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GivePayments Virtual Terminal
What GivePayments Virtual Terminal is
GivePayments Virtual Terminal lets merchants take card payments in a browser for phone orders, mail orders, and invoices, without payment hardware. Merchants can enter card details for real-time approval or decline, or send a hosted payment page so customers enter their own details. With consent, a card can be kept on file for repeat billing; refunds and voids are also available from the terminal. Keyed payments are screened using AI fraud checks alongside AVS, CVV, velocity, pattern, and behavioral checks. Eligible commercial-card transactions can include Level 2 data such as tax and customer code, or Level 3 line-item details. Integrations include WooCommerce, Shopify, other carts, QuickBooks, CRM and ERP systems, and webhook automation. Its API supports tokenization, hosted pages, webhooks, SDKs, recurring billing, and card and ACH processing. GivePayments says its PCI DSS Level 1 infrastructure uses tokenization and hosted pages to keep card data out of merchant systems. It is aimed at high-risk sectors, with pricing and processing rates depending on category and underwriting.
Who it suits
It suits merchants in high-risk sectors such as supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B that need browser-based or API payment tools. Merchants should account for underwriting-based rates and possible rolling reserves.
What it does well
- Takes browser-based card payments without hardware
- Offers hosted payment pages and stored cards
- Supports refunds, voids, and recurring billing
- Integrates with carts, accounting, CRM, and ERP systems
- Screens keyed entries with multiple fraud checks
What to know first
- Pricing is on request
- Underwriting sets the final processing rate
- Higher-risk accounts may carry a rolling reserve
- Currency support is single currency
Limits
The listed category prices are per contact and paired with a discount rate plus a per-transaction fee. Final processing rates are set through underwriting based on vertical, volume, average ticket, and chargeback history; higher-risk accounts may carry a rolling reserve.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Travel & tour operators | discount rate + per-transaction fee · Advance-booking models supported | $33.75 |
| SaaS, courses, fitness, pet, moving, retail, property | discount rate + per-transaction fee · Standard mid-risk band | $34 |
| B2B, invoicing & pay-by-link | discount rate + per-transaction fee · Level 2/3 data can lower interchange | $35 |
| Nutraceuticals & supplements | discount rate + per-transaction fee · Continuity-billing ready · FTC-compliant offers | $46 |
| Subscription & continuity billing | discount rate + per-transaction fee · Dunning + account-updater included | $46 |
| Peptides, GLP-1 & telehealth | discount rate + per-transaction fee · Reserve typically 10–15% · LegitScript required for GLP-1/Rx models | $59 |
| Tobacco & vape | discount rate + per-transaction fee · Age-verification required | On request |
| High-ticket coaching & info-products | discount rate + per-transaction fee · May carry a reserve · FTC earnings-claim review | On request |
The first 8 of 10 plans, as givepayments.com lists them, read 1 Oct 2026. The maker's own page has the final word. Every plan
Getting started
- Visit the GivePayments Virtual Terminal website.
- Contact GivePayments for pricing and underwriting review.
- Use the service in a browser or connect through its API.
- Choose the relevant business category and payment setup during the review.
- Connect a listed cart, accounting, CRM, ERP, or webhook-based system if needed.
Verdict
GivePayments combines virtual-terminal entry, hosted payment links, and API payment tools for merchants in higher-risk categories. Final costs depend on underwriting, and some accounts may have a rolling reserve.
Questions
How much does GivePayments Virtual Terminal cost?
Pricing is on request, with paid category listings. Listed amounts include price on request for Travel & tour operators, price on request for SaaS, courses, fitness, pet, moving, retail, property, price on request for B2B, invoicing & pay-by-link, price on request for Nutraceuticals & supplements and Subscription & continuity billing, and price on request for Peptides, GLP-1 & telehealth; each is paired with a discount rate plus a per-transaction fee. Final processing rates are set through underwriting.
What payment types and currencies does it support?
It supports card and bank payments, recurring payments, refunds, and invoices. Currency support is single currency.
Which platforms can I use?
The virtual terminal supports browser use, and the product lists API access.
What integrations are listed?
GivePayments connects with WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook-based automation.
Who is the service designed for?
It targets high-risk verticals including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B.
What may affect the final processing rate?
Underwriting sets the final rate based on vertical, volume, average ticket, and chargeback history. Higher-risk accounts may carry a rolling reserve.
Facts from GivePayments Virtual Terminal's own pages
- B2B data
- Eligible commercial-card transactions can include Level 2 data such as tax amount and customer code and Level 3 line-item data. · givepayments.com, 1 Oct 2026
- Compliance
- Before boarding, GivePayments reviews licensing, certifications, KYC/AML procedures, card-network rules, KYB, beneficial ownership, and OFAC and PEP screening. · givepayments.com, 1 Oct 2026
- Core function
- The virtual terminal turns any browser into a secure payment terminal for card payments by phone, mail order, or invoice without hardware. · givepayments.com, 1 Oct 2026
- Developer API
- The API provides tokenization, hosted payment pages, webhooks, SDKs, recurring billing, and card and ACH processing. · givepayments.com, 1 Oct 2026
- Fraud controls
- Every keyed entry is screened with AI fraud screening, AVS, CVV, velocity, pattern, and behavioral checks. · givepayments.com, 1 Oct 2026
- Headquarters
- Phoenix, Arizona, United States · givepayments.com, 28 Sept 2026
- Integrations
- GivePayments connects with WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook-based automation. · givepayments.com, 1 Oct 2026
- Invoice links
- Merchants can send a hosted payment page when customers should enter their own card details. · givepayments.com, 1 Oct 2026
- MOTO payments
- It supports mail-order and telephone-order payments with real-time approval or decline. · givepayments.com, 1 Oct 2026
- Notable limit
- The final processing rate is set by underwriting based on vertical, volume, average ticket, and chargeback history, and higher-risk accounts may carry a rolling reserve. · givepayments.com, 1 Oct 2026
- Refunds and voids
- Refunds and voids can be run from the same virtual-terminal screen. · givepayments.com, 1 Oct 2026
- Security
- GivePayments says it operates on PCI DSS Level 1 infrastructure, with tokenization and hosted pages that keep card data out of merchant systems. · givepayments.com, 1 Oct 2026
- Stored cards
- With consent, merchants can keep a card on file for customers they bill repeatedly. · givepayments.com, 1 Oct 2026
- Support
- GivePayments says it provides US-based support for American merchants on domestic, USD-settling accounts. · givepayments.com, 1 Oct 2026
- Target customers
- The processor is built for high-risk verticals that mainstream processors decline, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B. · givepayments.com, 1 Oct 2026
Where GivePayments Virtual Terminal stands on Freedom251
- Virtual Terminal Software#17 of 28