virtual terminal     1.888.303.0877


payment gateway

  Virtual Terminal provides a risk free payment gateway for small businesses. Our virtual credit card terminal is easy and simple to use; and best of all, it's affordable.  Get started today!

Easy to Use
No Software or Programming Required.  

Lower Cost
Compare our rates and fees to the rest!

Faster Approval
Account approval in 24 hours or less.

More Features
Free online account management
.  Recurring billing and much more!

Better Support
Award winning tech support at your service!

Why use a virtual credit card terminal? 

Virtual Terminal Credit Card Processing is Convenient

Is your business short on extra phone lines?  Is your business sometimes mobile?  No problem!  Unlike having to use a credit card machine, allows you to process credit cards anywhere that there is a computer or laptop with internet access.

Using a Virtual Terminal Reduces Processing Costs

No need to buy expensive equipment or software.  No need to pay monthly minimum fees or annual fees.  It is also the most cost effective way to accept payments since there is just one low monthly fee. 

Credit Card Processing Increases Your Cash Flow

In good economic times, people use their credit cards as a convenience.  In bad economic times, people pay with credit cards out of necessity.  Either way, in order to maximize the amount of paying customers for your business, you need to accept credit cards.

Our Payment Gateway Adds Professionalism

You only have a few seconds to make the right impression with your customers.  Accepting credit cards with helps you do just that.  It establishes you as a "legitimate business" or as a "professional" in your field.  Using our payment gateway on your laptop or computer makes an even better impression with your customers.




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Our Low Rates & Fees...

*Fees below include gateway fees.


  • $19.99/month
  • 2.50% Discount rate
  • .30 cent Transaction Fee
  • No Downgrades
  • No Expensive Equipment
  • No Monthly Minimum
  • No Annual Fee
  • No Cancellation Fee
  • Free PCI!!!  


    How our pricing compares:

    Other companies do not disclose hidden fees upfront.  These fees can include downgrades (mid or non qualified charges) for many card types.  They also charge high monthly fees, annual fees, transaction fees  and cancellation fees.  Our philosophy is: Keep it affordable and keep it simple!


    Types of businesses that use our credit card virtual terminal:

    Medical Offices, Massage Therapists, Contractors, Attorneys, Artists, Moving Companies, Auto Detailers, Home Businesses, Landscaping Companies, Consultants, Locksmiths...and many more!



    National Payment Processing is a registered ISO of First National Bank of St Louis, Mo.