Paymentsense Virtual Terminal

What Paymentsense Virtual Terminal is

Paymentsense Virtual Terminal lets businesses accept card payments over the phone without a physical card machine or the cardholder present. It works through a browser and on Android and iOS, and can be accessed from a computer, laptop, tablet or mobile phone. Payments are card-only, with support for Visa, Mastercard, Maestro and American Express. Businesses can send receipts, track payments in an online account and save card details as tokens for recurring payments. Paymentsense says the service uses end-to-end encryption between its web server and the browser, is PCI compliant and supports Address Verification System checks. It says businesses can be set up to take phone payments in 24 hours, with technical support available 24/7. There is no free plan. Starter costs £8.29 per month for annual transactions up to £50K; Regular costs £12.45 per month up to £250K; Advanced costs £16.62 per month up to £1.2M. Paymentsense says there are no setup fees and customers can switch packages or cancel free of charge.

Who it suits

It suits small and medium businesses, including taxi firms, small retailers, restaurants, pubs, bars and takeaways, that need to take card payments by phone. The three plans set different annual transaction limits.

Limits

Starter covers annual transactions up to £50K, Regular up to £250K, and Advanced up to £1.2M. There is no free plan.

Getting started

1. Open the Paymentsense Virtual Terminal website
2. Choose the Starter, Regular or Advanced monthly plan
3. Use a computer, laptop, tablet or mobile phone
4. Access the service through a browser, Android or iOS device
5. Set up phone payments, which Paymentsense says can be ready within 24 hours

Verdict

Paymentsense Virtual Terminal provides browser and mobile access for phone-based card payments, with receipts, records and recurring-payment support. Check the plan limits and monthly price against your expected annual transactions.