myPOS Virtual Terminal MO/TO

Overview

myPOS Virtual Terminal MO/TO is a browser-based service for taking card payments from customers by phone or email. It is best suited to businesses handling remote sales that want staff to take payments without dedicated equipment. The lack of a monthly charge is attractive, but transaction fees and eligibility approval shape the decision.

Key features

Employees can be given specific access to accept payments, while the business can follow transactions in real time through the myPOS Mobile app from any location. That makes it practical for teams sharing remote-payment duties, rather than relying on a single person or device to monitor activity.

The terminal works on an internet-connected computer, phone or tablet and needs no software installation, complex integration or additional hardware. This keeps the technical burden low, although businesses must apply through their myPOS merchant account and wait for myPOS to confirm eligibility.

Completed payments are settled immediately into the myPOS merchant account. The product says card information cannot be accessed after a transaction is complete. The terminal supports cards only, but also handles refunds, invoices, customer records and multiple currencies. Those tools cover common tasks around remote card sales; businesses needing non-card payment options should look elsewhere.

Pricing

MO/TO Virtual Terminal

The plan is free, with no monthly fee. That makes it inexpensive to keep available for occasional or seasonal phone and email orders, but it is not fee-free to use: UK pricing puts MO/TO payments at the online payment fee plus 0.5% per transaction. The UK tariff table is a concise summary, so businesses should check the full tariff breakdown to understand applicable charges. Service access also requires approval.

myPOS lists 24/7 customer support as free on its UK pricing page. This is a useful inclusion for businesses taking payments outside standard office hours, though it does not change the per-transaction cost.

Platforms

The service supports browser and mobile use, with Android and iOS among its platforms. Its device flexibility suits staff who need to take or monitor remote payments from an internet-connected computer, phone or tablet, without installing dedicated software.

Who it's for

myPOS Virtual Terminal MO/TO is a good fit for businesses that take orders remotely by phone or email, want employee access controls, and value immediate settlement into a myPOS merchant account. It is less suitable for businesses that require a guaranteed approval path, non-card payment methods, or a cost model without transaction charges.

Pros and cons

• Pro: No monthly fee lowers the cost of keeping a remote-payment option available; transaction fees still apply when it is used.
• Pro: Immediate settlement and real-time transaction tracking support closer cash-flow and payment monitoring.
• Pro: No installation or extra hardware requirement reduces setup demands for internet-connected teams.
• Con: Eligibility requires myPOS approval, so businesses cannot assume they will be able to use the service.
• Con: UK MO/TO pricing adds 0.5% to the online payment fee per transaction, making the full tariff important for businesses with frequent remote sales.
• Con: Cards are the only supported payment method, limiting its use where customers need alternatives.

Alternatives

For a broader directory of products in this category, see Virtual Terminal Software.

Choose Dojo instead if its freemium plan and free trial suit your evaluation needs; its Essential plan is £0.00 per month/location and includes core tools, major card types, real-time transactions and PCI-compliance support.

Helcim is another option for businesses comparing payment processing: its free plan has no account monthly fees, with interchange-plus transaction rates that vary by volume.

PayPal Invoicing may suit businesses focused on creating and sending invoices without setup or subscription fees, with transaction fees applying when customers pay.

SumUp Invoices is worth considering when invoicing and quotes are the priority: its free plan includes unlimited invoices and quotes, recurring invoices, and related document and customer-management tools.

SwipeSimple offers a different cost structure through its Connect Zero plan: eligible businesses pay $0 to process, while card-paying customers cover a 3.5% card fee.

PayPal Checkout is another payment option with a free plan; transaction fees apply when customers pay.

NMI is an alternative for businesses comparing payment platforms.

Blackbaud Merchant Services Virtual Terminal is another option, with per-transaction pricing that depends on contract.

Verdict

Choose myPOS Virtual Terminal MO/TO if your business takes card orders by phone or email and wants a no-monthly-fee service with immediate settlement, employee access and mobile transaction tracking. Its main advantage is the low setup burden and lack of a recurring charge; its main reasons to look elsewhere are approval requirements, per-transaction fees and card-only acceptance.