Virtual Terminal

ONLINE PAYMENTS

Virtual Terminal:
The Simple Way to Take Payments Over the Phone or Bill Remotely

PayLow Pro lets you easily accept credit and debit card payments using just your computer—no additional equipment required.

PayLow Pro Invoicing: Efficient, Flexible, and Customizable

Fast Checkout

Process transactions instantly, even when your customer isn’t physically present.

Transaction Tracking

Easily track all your transactions, whether they're credit card, debit card, or cash payments.

Card on File

Speed up future transactions by securely storing customer card information on file.

It's so easy to use, you already have everything you need to get started.

A virtual terminal is the fastest and most cost-effective solution to get your business payments off the ground - all you need is your own computer and internet access.

Use your own computer to process payments—Virtual Terminal is ideal for any business.

Send digital receipts via email or text, or print them directly from your computer.

Automate billing by scheduling weekly, monthly, or yearly payments for your customers.

Key Benefits to a Virtual Terminal Solution

PayLow Pro’s Virtual Terminal allows you to easily and securely manage transactions, making it the perfect tool for businesses that operate beyond a traditional point of sale.

Process Payments Remotely

Accept payments from customers who aren’t physically present. Whether you’re taking orders over the phone or handling remote billing, a Virtual Terminal lets you process credit and debit card payments from any device with an internet connection.

No Additional Hardware

With PayLow Pro’s Virtual Terminal, you can process payments using just your computer or mobile device—no need for card readers, terminals, or specialized hardware. This makes it an affordable and flexible option for businesses of any size.

Secure Transactions

The Virtual Terminal is PCI-DSS compliant, ensuring all payments are secure and customer information is protected. This peace of mind is essential for both you and your customers when handling remote transactions.

Recurring Billing

Automate your billing with the option to set up recurring payments for customers. Schedule weekly, monthly, or yearly payments with ease, making it ideal for subscription services, memberships, or installment-based businesses.

Customer Information Storage

Store customer payment information securely for faster future transactions. This feature is perfect for businesses that regularly bill repeat customers or provide ongoing services.

Multiple Payment Methods

Accept a wide variety of payment methods, including credit cards, debit cards, ACH, and even digital wallets like Apple Pay and Google Pay. You can offer your customers the flexibility they need to pay how they prefer.

Digital Receipts

Easily send digital receipts via email or text, reducing paper usage and offering convenience to your customers. You can also print receipts directly from your computer if needed.

Real-Time Transaction Tracking

Keep track of all your transactions in real-time, whether they’re credit card, debit card, or ACH payments. With built-in reporting tools, you can monitor your sales activity and ensure your bookkeeping stays up to date.

Unlimited Uses for a Virtual Terminal

Phone Orders

Perfect for businesses that take orders over the phone, such as restaurants, retailers, and service providers.

Remote Billing

Bill clients or customers from anywhere, whether you’re sending an invoice or collecting a payment for a service provided.

Professional Services

Ideal for consultants, freelancers, and professionals who need to accept payments without a physical storefront.

Non-Profits & Charities

Easily accept donations over the phone or through remote fundraising efforts, ensuring your organization can collect funds quickly and securely.

Subscription Services

Automate recurring billing for memberships, subscriptions, or ongoing service contracts.

Invoicing & Payments

Perfect for businesses that send invoices to clients, allowing for easy remote payments with the click of a button.

Hear it from our community.

"Easy 5 out of 5 stars for these guys!"

Absolutely seamless transition from our former processor to PayLow Pro. Dealt with Nick from start to finish. He came out, set up the equipment and trained the staff just as he said he would. Everything has worked flawlessly. We get our deposits quicker and we are no longer bearing the burden of the processing fees. And believe it or not, we've only had one or two people complain about paying the convenience fee.

- Josh Szuba

"Absolutely PHENOMENAL!"

Derek Lapis set up our practice with PayLo Procredit processing services. I thought real customer service was dead and a thing of the past but Derek came along and changed my mind! He was and is absolutely PHENOMENAL! He goes above and beyond just selling processing services! He keeps his promises and does exactly what he says he is going to do. When you call him, he picks up the phone every time. He always gets back to you when he says he will! Who does that today??? Well I will tell you who will….Derek Lapis! Derek is a rarity for sure! I can honestly say he has proved the best customer based service I have ever experienced in my 45 years of doing business! God bless you Derek!

-Dr. Michael Gulino

"PayLo Pro si the best credit card processor we've ever used."

PayLo Pro is the best credit card processor and cash tracker that we have ever used. Derek Lapis is our contact and he came to the office to train everyone and setup all the machines. Everything has worked flawlessly and every oral promise has been more than fulfilled. We use the PAX A920 with Wi-Fi and cell data. This works automatically when on farm calls and away from the office with no user input required to switch to cell data. We have not had one complaint about the NCA surcharge after talking with anyone that had questions. The SwipeSimple web app is fantastic at evaluating and summarizing all transactions before closing the batch. There have been no problems at all. We had great expectations and they have been exceeded. Thank you PayLo Pro and Derek Lapis for such a great product and service.

-Dr. Timothy Lesch

"Saving upwards of $500-$700 per month!"

Derek and his team are great! Derek came by and updated our service to cash discounting. We are now saving upwards of 500-700 per month! Pat came out and did the installation of the new terminal, trained my employees, and cancelled my old company on the spot! Never have I had this kind of prompt service! I'm extremely happy with Derek and his team.

-Dr. Iggy Pfaff

"Couldn't be happier!"

My precious vendor was impossible to contact without having to stay on hold for an eternity. They made PCI extremely difficult because of all the forms that had to be completed. POS equipment was also expensive. This is now my second month with PayLo Pro. Couldn’t be happier! Derek is always available if we have questions. Very easy transition!

- Jeff and Nancy Thomas

"Makes my staff's life easier."

PayLo Pro has integrated into our practice management software making my staffs life easier. No more double entry. No more errors recording payments. Couldn’t be happier with PayLo Pro. Thank You!

- Theresa Peters

Get Started Today

Your path to better payment processing is just a conversation away. Contact us today to see what PayLow Pro can do for you.

What is a Virtual Terminal?

A Virtual Terminal is an online payment tool that allows businesses to process credit and debit card payments remotely using any internet-connected device, such as a computer or mobile device, without the need for physical card readers or terminals.

How do I process a payment using a Virtual Terminal?

To process a payment, simply log into your Virtual Terminal, enter the customer’s payment details, such as credit or debit card information, and submit the transaction. You can also add additional customer information like email or phone number to send receipts.

Do I need special equipment to use a Virtual Terminal?

No, a Virtual Terminal does not require any special hardware. You can process payments using just your computer, smartphone, or tablet with internet access.

What payment methods can I accept with a Virtual Terminal?

A Virtual Terminal allows you to accept various payment methods, including credit cards, debit cards, ACH payments, and digital wallets like Apple Pay or Google Pay, depending on your payment provider.

Is using a Virtual Terminal secure?

Yes, Virtual Terminals are PCI-DSS compliant, meaning they meet strict security standards to ensure that all sensitive customer payment data is encrypted and protected throughout the transaction process

Can I set up recurring payments through a Virtual Terminal?

Yes, many Virtual Terminals, including PayLow Pro’s, allow you to schedule recurring payments for customers. This is perfect for subscription services, memberships, or installment billing.

Can I store customer payment information for future transactions?

Yes, you can securely store customer card information for future use. This feature speeds up repeat transactions and is ideal for businesses that regularly bill the same customers.

Can I send digital receipts through a Virtual Terminal?

Yes, Virtual Terminals allow you to send digital receipts to customers via email or text message, and some platforms also offer the option to print receipts directly from your computer.

Is a Virtual Terminal suitable for my business?

A Virtual Terminal is ideal for any business that processes payments remotely or takes phone orders. It’s especially useful for service-based businesses, remote billing, professional services, subscription-based models, and nonprofits.

Can I track my sales and transactions with a Virtual Terminal?

Yes, Virtual Terminals offer real-time transaction tracking and detailed reporting tools, allowing you to monitor sales, view payment histories, and manage your business's financial data easily.

How do I access the Virtual Terminal?

You can access your Virtual Terminal by logging into your payment processor’s dashboard from any web browser or internet-connected device. There is no need to install additional software.