Fluid Pay Virtual Terminal

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What Fluid Pay Virtual Terminal is

Fluid Pay Virtual Terminal is a browser-based payment tool for merchants handling card and ACH transactions. Both payment types use the same form, customer record, and reporting flow. The terminal supports transaction search, refunds, reconciliation, and batching, with per-transaction options to change processors, apply discounts, adjust shipping or tax, and split a sale across two payment methods. Users can save billing and shipping addresses to a customer record and add a customer to Customer Vault while processing a payment. They can also select catalog products or enter ad-hoc line items, then email branded receipts with itemized transaction details. Custom fields such as purchase-order numbers and work-order IDs can flow into reporting. Fluid Pay says Customer Vault stores and tokenizes card and ACH data within its service, and that merchants' PCI scope drops to SAQ A in most cases; the company identifies itself as a PCI DSS Level 1 service provider. The terminal pairs with Customer Vault, Recurring Billing, and Reporting. Fluid Pay was founded in 2017 and operates as a partner-only payment gateway; it says it does not board merchants directly. Pricing is available by contacting Fluid Pay.

Who it suits

It suits mail-order and phone-order merchants, call-center and accounts-receivable teams, and sellers taking payments off-site. It is also relevant to teams that need card and ACH activity in a shared customer and reporting workflow.

What it does well

Accepts card and ACH payments through a shared form and reporting flow.
Search, refund, reconcile, and batch transactions in the terminal.
Split sales across two payment methods.
Save customer addresses and add customers to Customer Vault during a transaction.
Send branded receipts with itemized catalog or ad-hoc line items.
Custom transaction fields can flow into reporting.

What to know first

Pricing requires contacting Fluid Pay.
Fluid Pay says it does not board merchants directly.
The product is available through browser and API platforms.

Plans

Plan	Billed and limits	Price
Fluid Pay Virtual Terminal	Pricing not listed; contact Fluid Pay for details	On request

As fluidpay.com lists them, read 8 Oct 2026. The maker's own page has the final word.

Getting started

Visit the Fluid Pay Virtual Terminal page.
Contact Fluid Pay about pricing and access through its partner model.
Use the browser-based terminal to enter card or ACH transaction details.
Add customer, catalog, or custom-field details as needed.
Process the transaction and use the terminal to search, refund, reconcile, or batch activity.

Verdict

Choose Fluid Pay Virtual Terminal if your team processes card and ACH payments through browser workflows and needs transaction controls, customer records, and itemized receipts. Merchants need to work through a Fluid Pay partner, and pricing requires contacting the company.

Questions

What does Fluid Pay Virtual Terminal cost?

Pricing is available by contacting Fluid Pay. The virtual terminal page directs prospective customers to contact the company.

Which payment methods does it accept?

It accepts card and ACH payments through the same form, customer record, and reporting flow.

Which platforms does it support?

The terminal is accessed through a browser. The listed platform details also include API.

Can it issue refunds?

Yes. The terminal supports refunds, along with transaction search, reconciliation, and batching.

Does Fluid Pay board merchants directly?

No. Fluid Pay describes itself as a partner-only payment gateway and says it does not board merchants directly.

Facts from Fluid Pay Virtual Terminal's own pages

API tools: The developer documentation provides a sandbox for testing integrations without processing real money. · sandbox.fluidpay.com, 8 Oct 2026
Availability: The product page says the virtual terminal works from any browser, from anywhere. · fluidpay.com, 8 Oct 2026
Company: Fluid Pay says it was founded in 2017 and is a partner-only payment gateway; its listed address is 725 Cool Springs Blvd., Ste 440, Franklin, TN 37067. · fluidpay.com, 8 Oct 2026
Company and sales model: Fluid Pay says it was founded in 2017, serves ISOs, agent groups, and ISVs through partners, and does not board merchants directly. · fluidpay.com, 8 Oct 2026
Customer records: The form can save billing and shipping addresses to a customer record, and a transaction can add the customer to Customer Vault at the same time. · fluidpay.com, 8 Oct 2026
Custom fields: Custom fields such as purchase-order numbers and work-order IDs can flow into reporting automatically. · fluidpay.com, 8 Oct 2026
Designed for: Fluid Pay describes it as suited to mail and phone order merchants, call center and accounts receivable teams, and off site sales. · fluidpay.com, 8 Oct 2026
Founded: 2017 · fluidpay.com, 28 Sept 2026
Headquarters: Franklin, Tennessee, United States · fluidpay.com, 28 Sept 2026
Integrations: Fluid Pay documentation lists REST APIs for transactions, refunds, recurring billing, invoices, batches, customer vault, custom fields, and webhooks. · sandbox.fluidpay.com, 8 Oct 2026
Intended users: It is built for mail-order and phone-order merchants, call-center and accounts-receivable teams, and off-site sellers. · fluidpay.com, 8 Oct 2026
Payment methods: Card and ACH payments appear on the same form, share a customer record, and feed into the same reporting. · fluidpay.com, 8 Oct 2026
Pricing: The virtual terminal page directs prospective customers to contact Fluid Pay; the company's white-label gateway pricing page describes a one-time activation fee and a monthly platform fee but gives no amounts. · fluidpay.com, 8 Oct 2026
Purpose: The virtual terminal accepts card and ACH payments from any browser and provides transaction search, refunds, reconciliation, and batching. · fluidpay.com, 8 Oct 2026
Receipts and catalog: Users can email branded receipts and add catalog products or ad-hoc line items to a transaction for itemized receipts and reporting. · fluidpay.com, 8 Oct 2026
Receipts and split payments: The terminal supports one click branded email receipts and dividing a sale across two payment methods. · fluidpay.com, 8 Oct 2026
Related products: The virtual terminal pairs natively with Customer Vault, Recurring Billing, and Reporting. · fluidpay.com, 8 Oct 2026
Security and compliance: Fluid Pay identifies itself as a PCI DSS Level 1 Service Provider, and says its Customer Vault tokenizes card and ACH data across gateway products. · fluidpay.com, 8 Oct 2026
Support: Fluid Pay lists [email protected] for existing partners and merchants and says engineers triage support tickets directly. · fluidpay.com, 8 Oct 2026
Transaction tools: Users can switch processors, add discounts, override shipping or tax, and split a sale across two payment methods. · fluidpay.com, 8 Oct 2026
Transaction workflow: Users can add custom fields, save billing and shipping addresses, and override processor, discount, shipping, or tax details per transaction. · fluidpay.com, 8 Oct 2026
Unified payments: Card and ACH payment fields share one form, customer record, and reporting flow. · fluidpay.com, 8 Oct 2026
Vault and catalog: Users can add a customer to Customer Vault while processing a transaction and search the product catalog or add ad hoc line items. · fluidpay.com, 8 Oct 2026
Vault and PCI: Fluid Pay says Customer Vault stores card and ACH data within Fluid Pay and that merchants' PCI scope drops to SAQ A in most cases; Fluid Pay identifies itself as a PCI DSS Level 1 service provider. · fluidpay.com, 8 Oct 2026

Where Fluid Pay Virtual Terminal stands on Freedom251

Virtual Terminal Software#16 of 28
Payment Gateways#41 of 66