Best Virtual Terminal Software in 2026
Updated
In short: Dojo is ranked #1 of 28 as of 4 October 2026, ahead of Helcim and PayPal Invoicing. The best-ranked option with a free plan is Helcim. The lowest first paid tier on this page is SumUp Invoices at £7/mo.
Taking payments through a virtual terminal means comparing transaction options as well as the tools around them. Compared on payment methods, currency support and supported platforms, these entries help you assess how a service may fit your payment workflow. Invoices, refunds and recurring payments are also listed, along with customer records for transaction details. Check free-plan availability and paid-from pricing when weighing costs. Dojo, Helcim and PayPal Invoicing are among the options shown. Compare their listed payment and record-keeping features with the way you need to accept and manage payments.
28 virtual terminal software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
6 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | DojoWeb · Android · iPhone · API | Three bars | — | 3 of 6 | % 11.99/mo | 6.6 | |
| 2 | HelcimWeb · Windows · Mac · Android · iPhone · API | Three bars | — | 5 of 6 | Free | 6.6 | |
| 3 | PayPal InvoicingWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 6.6 | |
| 4 | myPOS Virtual Terminal MO/TOWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 6.5 | |
| 5 | SumUp InvoicesWeb · Android · iPhone | Three bars | — | 3 of 6 | £7/mo | 6.5 | |
| 6 | SwipeSimpleWeb · Android · iPhone | Three bars | — | 3 of 6 | — | 6.5 | |
| 7 | NMIWeb · Windows · Linux · Android · iPhone · API | Two bars | — | — | 5 of 6 | — | 5.7 |
| 8 | GivePayments Virtual TerminalWeb · API | One bar | — | — | 1 of 6 | — | 5.5 |
| 9 | Heartland RetailWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | $89/mo | 5.5 |
| 10 | Cashflows Virtual TerminalWeb | One bar | — | — | 1 of 6 | — | 5.4 |
| 11 | Blackbaud Merchant Services Virtual TerminalWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 12 | Fluid Pay Virtual TerminalWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 13 | Moneris Merchant Resource CenterWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 14 | Payline Virtual TerminalWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.2 |
| 15 | STEPpay Virtual TerminalWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 16 | Argent Virtual TerminalWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 17 | CybersourceWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 18 | PayLolly Virtual TerminalWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 19 | Redde Virtual TerminalWeb · Android · iPhone | Two bars | — | — | 3 of 6 | — | 5.1 |
| 20 | EBizCharge Virtual TerminalWeb | One bar | — | — | 1 of 6 | — | 5.0 |
| 21 | PayJunction Virtual TerminalWeb · API · Extension | One bar | — | — | 1 of 6 | — | 5.0 |
| 22 | Worldline Food Services Payments SuiteWeb | No signal | — | — | 1 of 6 | — | 5.0 |
| 23 | CoreGateway Virtual TerminalWeb · API | One bar | — | — | 1 of 6 | $15/mo | 4.9 |
| 24 | Global PaymentsWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 4.9 |
| 25 | Paymentsense Virtual TerminalWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 4.9 |
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which virtual terminal software is ranked first on Freedom251?
Dojo is ranked #1 of 28 with a score of 6.6. Helcim is second and PayPal Invoicing third.
How many of these have a free plan?
5 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, SumUp Invoices has the lowest first paid tier we found: £7/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation. Paid placements never change a rank.