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STEPpay Virtual Terminal
What STEPpay Virtual Terminal is
STEPpay Virtual Terminal is a cloud-based payment system for online checkout, available through a browser. It supports credit card and ACH transactions, including one-time payments and recurring schedules. The listed card networks are Visa, MasterCard, American Express, and Discover. Users can process refunds and reversals, create custom transaction fields, run end-of-day batch settlements, and search historical transactions. Reporting includes standard and customizable options. Merchant-defined rules route transactions to merchant accounts, and one gateway can connect to multiple acquiring banks and merchant accounts. Coalesce offers an integration testing environment and a development and integration partner program. The system status page lists STEPpay JSON and legacy SOAP API endpoints and reports on system components and historical uptime. Coalesce describes tokenization that keeps card and banking information in its vault and says card data is not exposed to merchants. It says STEPpay is QSA validated as a PCI DSS 4.0.1 Level 1 Service Provider and is tested annually against standards including HIPAA. Its payment solutions are built on AWS. Pricing is available on request.
Who it suits
STEPpay may suit organizations that need browser-based card and ACH processing with recurring payments, transaction routing, and reporting. Its integration options are relevant to organizations working with merchant accounts and acquiring banks.
What it does well
- Processes credit card and ACH transactions.
- Supports one-time and recurring payments.
- Includes refunds, reversals, and batch settlements.
- Routes transactions using merchant-defined rules.
- Lists JSON and legacy SOAP API endpoints.
What to know first
- Pricing is available only on request.
- The listed access platforms are web and API.
- Requires integration with merchant accounts for transaction routing.
Getting started
- Visit the Coalesce payments website.
- Use the browser-based terminal.
- Contact Coalesce for pricing on request.
- Ask about the integration testing environment or development and integration partner program if needed.
Verdict
STEPpay combines online payment processing with recurring schedules, routing rules, and transaction reporting. Organizations evaluating it will need to request pricing and assess its integration setup for their payment arrangements.
Questions
How much does STEPpay cost?
Pricing is available on request.
What payment methods and cards does it support?
It supports credit card and ACH transactions. Named card networks are Visa, MasterCard, American Express, and Discover.
Can it handle recurring payments?
Yes. Users can set up and process one-time or recurring payments and schedules.
What platforms are listed?
The terminal is available through a browser, and the system also lists API endpoints.
Does STEPpay provide an API?
The system status page lists STEPpay JSON API and legacy SOAP API endpoints.
Who makes STEPpay?
Coalesce Solutions provides STEPpay. The company says it has delivered technology solutions since 2008 and is headquartered in Memphis, Tennessee, United States.
Facts from STEPpay Virtual Terminal's own pages
- API
- The STEPpay system status page lists STEPpay JSON API and legacy SOAP API endpoints. · status.coalescepayments.com, 8 Oct 2026
- Card networks
- The virtual terminal lists Visa, MasterCard, American Express, and Discover. · coalescesolutions.com, 8 Oct 2026
- Cards
- The product names Visa, MasterCard, American Express, and Discover as supported card networks. · coalescesolutions.com, 8 Oct 2026
- Company history
- Coalesce says it has delivered technology solutions since 2008. · coalescesolutions.com, 8 Oct 2026
- Compliance
- The maker says STEPpay is QSA validated as a PCI DSS 4.0.1 Level 1 Service Provider and states it tests annually against standards including HIPAA. · coalescesolutions.com, 8 Oct 2026
- Founded
- 2008 · coalescesolutions.com, 28 Sept 2026
- Headquarters
- Coalesce says it is headquartered in Memphis, Tennessee. · coalescesolutions.com, 8 Oct 2026
- Infrastructure
- The maker says its payment solutions are built on AWS. · coalescesolutions.com, 8 Oct 2026
- Integration
- Coalesce offers a developer integration testing environment and invites organizations to ask about its STEPpay development and integration partner program. · coalescesolutions.com, 8 Oct 2026
- Integrations
- STEPpay is designed to route transactions to merchant accounts using merchant-defined rules, and the page offers a development and integration partner program. · coalescesolutions.com, 8 Oct 2026
- Payment methods
- The terminal supports credit card and ACH transactions. · coalescesolutions.com, 8 Oct 2026
- Payments
- Users can set up and process one-time or recurring payments through the terminal. · coalescesolutions.com, 8 Oct 2026
- Product
- STEPpay Virtual Terminal is a cloud-based payment system for fast, secure online checkout. · coalescesolutions.com, 8 Oct 2026
- Purpose
- STEPpay Virtual Terminal is a cloud-based payment system for online checkout. · coalescesolutions.com, 8 Oct 2026
- Recurring payments
- Users can set up and process one-time or recurring payments and schedules. · coalescesolutions.com, 8 Oct 2026
- Reporting
- The product provides standard and customizable reporting options. · coalescesolutions.com, 8 Oct 2026
- Routing and scale
- Merchant-defined rules route transactions, and one gateway can transact with multiple acquiring banks and merchant accounts. · coalescesolutions.com, 8 Oct 2026
- Security
- The maker describes tokenization that keeps card and banking information in its vault and says card data is not exposed to merchants. · coalescesolutions.com, 8 Oct 2026
- Status visibility
- A system status page reports on the virtual terminal, reporting and analytics, servers, API endpoints, notification services, and third-party services, including historical uptime. · coalescesolutions.com, 8 Oct 2026
- Support
- Coalesce lists [email protected] as its support contact. · coalescesolutions.com, 8 Oct 2026
- Terminal features
- STEPpay supports refunds, reversals, recurring schedules, custom transaction fields, end-of-day batch settlements, and historical transaction searches. · coalescesolutions.com, 8 Oct 2026
Where STEPpay Virtual Terminal stands on Freedom251
- Virtual Terminal Software#27 of 28