Side by side

Argent Virtual Terminal vs Fluid Pay Virtual Terminal

Both stand on virtual terminal software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

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. Consider another arrangement if the applicable card-not-present rates or account-specific transaction fees do not suit your business.

Visit Argent Virtual Terminal

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. Merchants need to work through a Fluid Pay partner, and pricing requires contacting the company.

Visit Fluid Pay Virtual Terminal

The facts

	Argent Virtual Terminal	Fluid Pay Virtual Terminal
Free plan	Not published	Not published
Open source	Not published	Not published
Runs on	Web	API, Web
Lowest paid plan	Free or on request	Free or on request
Plans published	1	1
Maker	Not published	Not published
Website	argentpayments.com	fluidpay.com
On virtual terminal software	#12 of 28	#16 of 28

Argent Virtual Terminal: what it does well

Takes manual payments for phone, mail, and email orders.
Can complement a physical POS or serve as the only gateway.
Refunds do not require the customer’s card in hand.
Individual logins tie transactions to staff members.
Works in a browser on computers, tablets, and phones.

What to know first

Card-not-present rates apply.
Some accounts may have a per-transaction fee.
Access follows account approval and gateway setup.
Pricing is available on request.

Fluid Pay Virtual Terminal: what it does well

Accepts card and ACH payments through a shared form and reporting flow.
Search, refund, reconcile, and batch transactions in the terminal.
Split sales across two payment methods.
Save customer addresses and add customers to Customer Vault during a transaction.
Send branded receipts with itemized catalog or ad-hoc line items.

What to know first

Pricing requires contacting Fluid Pay.
Fluid Pay says it does not board merchants directly.
The product is available through browser and API platforms.

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