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Best Virtual Terminal Software in 2026

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 apps
Research read 23 Sept 2026
How the order is worked out

1

Dojo

Free plan AndroidAPIiPhone+1

Dojo combines payment processing, card machines, reconciliation, and business insights for varied payment settings. Listed plans include free options, while software and hardware charges vary.

7.5 Free plan Visit site
2

Helcim
by Helcim
Free plan AndroidAPIExtension+4

Helcim combines multiple payment channels with invoicing, recurring billing, payment links, and integrations.

7.3 Visit site
3

myPOS Virtual Terminal MO/TO

Free plan AndroidAPIiPhone+1

The virtual terminal is designed for remote card payments without additional hardware or software installation.

7.3 Free plan Visit site
4

SwipeSimple

Free plan AndroidiPhoneWeb

SwipeSimple combines mobile payment acceptance with invoicing and business reporting tools. Buyers should confirm plan terms and processing arrangements with their merchant service provider.

6.8 Visit site
5

Square Online
by Square Online
Free plan Web

6.6 Free plan · 30-day trial Visit site
6

Authorize.net

Paid AndroidAPIiPhone+1

Authorize.net supports several payment channels and recurring billing, with fraud tools and merchant support.

6.1 From $25/mo Visit site
7

Blackbaud Merchant Services Virtual Terminal

Paid AndroidAPIiPhone+1

The Virtual Terminal handles one-time card payments outside other Blackbaud solutions.

6.0 Pricing on request Visit site
8

PayPal Payments

Free plan AndroidiPhoneWeb

6.0 Free plan Visit site
9

Cybersource

Paid AndroidAPIiPhone+1

Cybersource offers broad payment method and checkout coverage, along with developer tools and fraud services.

5.9 Pricing on request Visit site
10

SumUp Virtual Terminal

Free plan AndroidiPhoneWeb

5.9 Free plan · paid from $49/mo Visit site
11

Global Payments

Paid AndroidAPIExtension+2

Global Payments offers multiple ways to connect checkout and manage payments across channels, with a broad set of payment methods and currencies.

5.8 Visit site
12

Argent Virtual Terminal

Paid Web

Choose Argent Virtual Terminal if your business needs to take card-not-present orders or process refunds through a browser, with staff activity linked to individual logins.

5.7 Pricing on request Visit site
13

CoreGateway Virtual Terminal

Paid APIWeb

CoreGateway Virtual Terminal provides payment entry, customer records, invoicing, recurring billing, and reporting without dedicated hardware.

5.7 Visit site
14

Cashflows Virtual Terminal

Paid Web

Cashflows Virtual Terminal combines phone-based card payments with customer payment links and browser access.

5.6 Pricing on request Visit site
15

Chase Orbital Virtual Terminal

Paid Web

Orbital Virtual Terminal covers browser-based keyed payments, recurring billing and transaction administration without extra equipment.

5.5 From $9.95/mo Visit site
16

Fluid Pay Virtual Terminal

Paid APIWeb

Choose Fluid Pay Virtual Terminal if your team processes card and ACH payments through browser workflows and needs transaction controls, customer records, and itemized receipts.

5.5 Pricing on request Visit site
17

GivePayments Virtual Terminal

Paid APIWeb

GivePayments combines virtual-terminal entry, hosted payment links, and API payment tools for merchants in higher-risk categories.

5.5 Pricing on request Visit site
18

PayJunction Virtual Terminal

Paid APIExtensionWeb

PayJunction brings invoicing, recurring payments, customer records, and integrations into a browser-based terminal. Review the listed rates and surcharge exclusions before selecting a plan.

5.5 Visit site
19

EBizCharge Virtual Terminal

Paid Web

EBizCharge Virtual Terminal combines browser payments with recurring billing, invoice handling, refunds, and broad business-system integrations.

5.4 Pricing on request Visit site
20

NMI

Paid AndroidAPIiPhone+3

NMI offers multiple payment channels, checkout options, and developer resources for embedded payments.

5.4 Pricing on request Visit site
21

Paymentsense Virtual Terminal

Paid AndroidiPhoneWeb

Paymentsense Virtual Terminal provides browser and mobile access for phone-based card payments, with receipts, records and recurring-payment support.

5.4 From £8.29/mo Visit site
22

Payline Virtual Terminal

Paid AndroidAPIiPhone+1

Payline Virtual Terminal is a staff-facing option for entering remote payments, with customer-facing hosted checkout and payment links also described.

5.3 Pricing on request Visit site
23

PayLolly Virtual Terminal

Paid AndroidAPIiPhone+1

PayLolly combines payment acceptance, routing, reporting, and a broad set of processor and cart connections.

5.3 Pricing on request Visit site
24

Redde Virtual Terminal

Paid AndroidiPhoneWeb

Redde Virtual Terminal focuses on keyed payments through a browser, with saved customer records, receipts, integrations, and APIs.

5.3 Visit site
25

Moneris Merchant Resource Center

Paid Web

Choose Moneris Merchant Resource Center if your Canadian merchant operation needs payment configuration, transaction administration, and store-level access controls in a browser.

5.0 Pricing on request Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

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