Credit Card Processing and the Virtual Terminal


In credit card processing, the term “virtual terminal” refers to an application — usually bundled with an electronic payment gateway — that enables a merchant to process credit card transactions securely over the Internet. Such an arrangement has many advantages for all types of businesses, including convenience, versatility, flexibility and security. At TransFirst®, we offer a virtual terminal as part of our Transaction Express® processing platform.

Virtual terminals process credit and debit cards like a traditional countertop terminal but are accessible from any computer or mobile device with an Internet connection. For mobile merchants (or merchants who would like to be), a virtual terminal delivers the freedom to go wherever they need to be to make the sale. No extra equipment or software is required, nothing to slow you down.

A virtual terminal like Transaction Express’s performs payment processing of all major credit cards and signature debit cards in real time, delivering the immediacy that both you and your customers have come to expect. Direct swipe via a USB cardreader means no more time-consuming, error-prone manual entry of data. Merchants can also accept multiple payment types with one integrated system, maximizing revenue.

Other important Transaction Express features include:

  • tokenization for recurring payments (great for membership and subscription-based businesses)
  • batch processing
  • merchant and customer email management
  • advanced report search capabilities
  • emailed payment notification
  • Level 2 processing support for corporate/purchase card transactions
  • manual or automatic transaction capture
  • transaction duplicate check feature
  • multiple-user and multiple-merchant environments
  • supports AVS, CVV, CVC and CID fraud prevention tools

And, with a virtual terminal from a reputable merchant services provider like TransFirst, credit card association rule updates are automatic — you never need to worry about them again!

A virtual terminal has applications for many businesses, including traditional retail, e-commerce, MOTO, healthcare, non-profits, property management, local government and utilities.  Learning more about how your business might benefit is as easy as picking up the phone and talking to a TransFirst representative. We’ll answer your questions, ask a few of our own about your credit card processing requirements and help you decide if a virtual terminal is the way to go. If not, we have plenty of other processing options to choose from, and the experience to guide you in the right direction.


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businesses. We do not
accept adult businesses.

©2017 Total System Services, Inc. TSYS® is a federally registered service mark of Total System Services, Inc. All rights reserved. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA, and First National Bank of Omaha, Omaha, NE. TSYS Business Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY for Visa and Mastercard transactions only.

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