A virtual terminal is the link merchants need to accept credit card and ACH payments online securely and efficiently from their own computer. TransFirst® offers an easily accessible virtual terminal through Transaction Express®, our front-end payment platform.
A virtual terminal can be used to process credit card and ACH transactions from any computer with Internet access anywhere in the world, allowing you to securely and efficiently handle a series of additional tasks including the verification, reporting and processing of credit card and ACH payments.
How Transaction Express Works
With an Internet merchant account from TransFirst, you can use your computer’s web browser, an Internet connection and a USB credit card swipe reader to log into the Transaction Express secure website and perform a variety of functions, including:
Process swiped retail credit card transactions
Manually enter mail order/telephone order (MOTO) credit card transactions
Manually enter ACH transactions using one of the following Standard Entry Class Codes: PPD, CCD, WEB or TEL
Receive authorizations responses
Issue refunds to a customer’s credit card or ACH Account
Capture previously authorized transactions
Store credit card or ACH payment information in a customer wallet for future billing
Set up automatic customer billing for recurring charges
Confirm transaction status
Upload batch files
Access, create and save a variety of standard and customizable reports
Shopping Cart Integration
Virtual shopping carts allow visitors to your website to choose items for immediate purchase or to be stored for later purchase. Virtual shopping carts facilitate the collection of billing address, shipping address and payment information to be processed by the Transaction Express system, which can be integrated with Shopsite, SEO Cart, Zen Cart and OS commerce carts.
Transaction Express Features
The Transaction Express electronic payment system supports a multi-user environment, so additional users can be created and registered in the virtual terminal by the merchant account administrator. Additionally, a single user can be granted access by the administrator to more than one merchant account as long as the accounts are related.
Transaction Express’ multi-merchant environment allows the grouping of related merchant accounts and access via a single login at no extra cost — a real boon to merchants who have diversified their business, operate out of multiple locations or plan to expand their business. Seasonal merchants can also benefit from Transaction Express since the account can be placed in an inactive state during the off-season to help reduce operating costs.
Secure and Versatile
Transaction Express is a fully PCI-compliant and PA-DSS-certified payment application. It’s also versatile, supporting both multi-merchant and multi-user environments. Related merchant accounts can be grouped and access allowed through a single log-in; additional users can be granted access to the virtual terminal at the discretion of the merchant account administrator.
Virtual terminals take credit card and ACH processing beyond landlines and into the 21st century, and TransFirst leads the way with Transaction Express. If you have questions about virtual terminals in general or Transaction Express in particular, fill out the form on this page and a TransFirst consultant will be in touch to give you the answers.
Richard Hari in your Colorado credit card customer service operation is one the best people I've ever dealt with in any type of business. I had a problem with credit card processing for my very, very small business. I was told I would get a call in two business days. Richard called in about 20 minutes. He was patient and took time to walk me through the process. Great job and a credit to TransFirst.
- Online Retailer | Bruceton Mills, WV
Two key things here. #1 – This program has saved me hundreds of dollars a year, and #2 – the service. The last time I called my question was answered in one simple phone call. We didn't take credit cards for a long time due to the expense ... I am so glad I took the time to listen when you came in because this is so much better.
- Restaurant Owner | Palm Bay, FL
TransFirst has done everything they said they would do, and they do it every month with service and savings. We are saving very big dollars each month, so we are very happy with the service.
- Police Benevolent Association | McDonough, GA
I'm writing to thank you for the superb customer support you've offered us in the setting up of our account. Your prompt replies to my questions, even through your illness, speaks very well of your organization and your own sense of responsibility. I would ask you to kindly forward this note to your supervisor, because I want him/her to appreciate your 'above and beyond' approach to your clients.
- Vision Care Provider | Windham, VT
I am extremely happy with TransFirst! The Transaction Express saves me hours a week with the ease of transactions and the up-to-date reporting. The service team is knowledgeable and eager to help. The best part, though, is the savings. Patrick made it so easy to switch merchant accounts. I wish I would have done it years ago!