Virtual Terminal Credit Card Processing & ACH Payments
Accept credit card and ACH payments from anywhere with RoxPay's secure virtual terminal. Process phone orders, mail orders, and recurring payments directly from your browser — no physical hardware required.
Why Businesses Need Virtual Terminal Payment Processing
Phone Orders Go Unpaid
Businesses that take orders by phone, email, or mail often have no way to accept card payments remotely, losing sales or relying on slow invoice payment cycles.
Process Payments Instantly
RoxPay's virtual terminal credit card processing lets you key in card details directly from your browser. Accept payments over the phone, by mail, or in person — instantly.
ACH Processing is Complex
Setting up ACH payment processing typically requires separate banking relationships, NACHA compliance, and complex integration work that's inaccessible to most small businesses.
Unified ACH Payment Gateway
RoxPay's ACH payment gateway is built into the same platform. Accept bank transfers, set up recurring ACH debits, and manage all payment types from one dashboard.
Manual Recurring Billing
Manually charging customers each billing cycle wastes time and increases the risk of missed payments, especially for service businesses with subscription models.
Automated Recurring Payments
Set up subscription plans, automated recurring charges, and retry logic for failed payments. Our virtual terminal handles billing cycles so you can focus on your business.
Security & Compliance Concerns
Keying in card numbers raises legitimate security concerns. How do you protect sensitive payment data without expensive PCI compliance infrastructure?
PCI-Certified Environment
Our virtual terminal runs on PCI DSS Level 1 certified infrastructure. Card data is tokenized instantly — it never touches your systems. Secure by default.
Complete Virtual Terminal & ACH Processing Platform
Everything you need to accept card and bank payments without physical hardware.
Browser-Based Terminal
Key in credit card or ACH details from any device with a browser. No software to install, no hardware to purchase. Virtual terminal credit card processing from anywhere.
ACH Payment Gateway
Accept ACH bank transfers for B2B payments, recurring billing, and high-value transactions. Lower processing costs compared to credit cards with our ACH payment processing.
Recurring Billing Engine
Automated subscription management with flexible billing cycles, proration, trial periods, and smart retry logic for declined payments.
Invoice & Payment Links
Generate branded invoices and payment links that customers can pay online. Combine virtual terminal capabilities with self-service payment collection.
Tokenization & Vault
Securely store card and bank account details for repeat customers. One-click charging for returning customers without re-entering payment information.
Real-Time Reporting
Track all virtual terminal transactions, ACH transfers, and recurring payments in a unified dashboard. Export reports, filter by date range, and monitor settlement status.
Start Accepting Payments in Minutes
No hardware, no complex setup. Your virtual terminal is ready as soon as your account is approved.
Create Your Account
Sign up online in under 5 minutes. Provide your business details and bank account for settlements. Approval typically takes less than 24 hours.
Access Your Virtual Terminal
Log into your RoxPay dashboard and navigate to the virtual terminal. It's a browser-based interface — no software to download or hardware to configure.
Process Your First Payment
Key in a credit card number, set up an ACH transfer, or create a recurring billing plan. Every transaction is encrypted and processed through our PCI-certified gateway.
Get Paid
Funds settle to your bank account on a T+1 basis. Track settlement status, download reports, and manage refunds from your dashboard.
Questions About Virtual Terminal & ACH Processing
What is a virtual terminal for credit card processing?
Virtual terminal credit card processing allows you to accept card payments through a web browser without physical card-reading hardware. You manually key in card details (number, expiry, CVV) to process transactions. It's ideal for phone orders, mail orders (MOTO), and any situation where the card is not physically present.
What is an ACH payment gateway?
An ACH payment gateway processes bank-to-bank transfers through the Automated Clearing House network (or SEPA in Europe). It enables direct debit from customer bank accounts for recurring payments, B2B transactions, and high-value transfers — typically at lower fees than credit card processing.
Is virtual terminal processing secure?
Yes. RoxPay's virtual terminal runs on PCI DSS Level 1 certified infrastructure. Card data is tokenized at the point of entry and never stored on your systems. All transmissions are encrypted with TLS 1.3, and the platform includes built-in fraud screening for every transaction.
How much does virtual terminal processing cost?
RoxPay offers transparent IC++ pricing for virtual terminal credit card processing: real interchange fee + a competitive markup starting at 0.45%. ACH transactions are priced at a flat fee per transfer. No monthly minimums, no hidden charges, no terminal rental fees.
Can I set up recurring payments through the virtual terminal?
Yes. RoxPay's virtual terminal includes a full recurring billing engine. Create subscription plans, set billing frequencies (weekly, monthly, annual), configure trial periods, and enable automatic retry for failed payments. Works with both card and ACH payment processing.
What's the difference between a virtual terminal and a payment gateway?
A virtual terminal is a manual entry interface where you key in payment details (for phone/mail orders). A payment gateway is the automated API that processes payments from websites and apps. RoxPay provides both in a single platform — virtual terminal for manual payments and full gateway API for automated e-commerce processing.
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Accept Payments Without Hardware
Start processing credit card and ACH payments from your browser today — no equipment, no long-term contracts.
✓ No monthly fixed costs · ✓ Activation in 24 hours · ✓ Dedicated technical support