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Virtual Payment Processing That Fits How You Sell

Handle phone orders, invoices, and remote payments securely through a browser-based virtual terminal.

Virtual Payment Processing That Fits How You Sell

Handle phone orders, invoices, and remote payments securely through a browser-based virtual terminal.

Online, Over the Phone, or In Store — Get Paid Your Way

Online, Over the Phone, or In Store — Get Paid Your Way

At times, businesses need to process transactions without the customer being physically present — also known as card-not-present transactions. That’s where Host Merchant Services (HMS) solutions make the difference. Our web-based tools let you accept credit cards, debit cards, and ACH payments from any computer browser or mobile device — no physical card reader required.

Whether you’re taking orders over the phone, processing invoices, or accepting payments remotely, HMS provides flexible options that handle every transaction quickly and securely.

Everything You Need, Built Right In

Accept Payments Remotely

Accept payments over the phone, email or mail invoice. Ideal for service-based or remote businesses.

Easy Billing & Invoicing

Create and send professional invoices that customers can pay instantly online. Track who’s paid, resend reminders, and manage recurring billing with ease.

Security You Can Trust

Our virtual terminal secures every transaction against fraud and breaches with PCI DSS compliance, encryption and tokenization.

Complete Control & Reporting

Easily access real-time transaction data, sales reports and customer information from one simple dashboard.

Modern Virtual Terminal Solutions

HMS Pay Virtual Terminal

All-in-one cloud payment solution built for today’s businesses. HMS Pay is the proprietary payment gateway developed by Host Merchant Services (HMS), designed to give merchants complete control over their payment ecosystem. It’s a web-based, all-in-one processing platform that brings together speed, security, and simplicity for modern businesses of every size. Built for flexibility and scalability, HMS Pay enables merchants to process transactions 24/7 from any device or location with enterprise-grade reliability. The gateway is fully PCI-compliant and uses advanced 256-bit encryption and data tokenization to secure customer payment information at every step. Whether you’re managing online transactions, mobile sales, or point-of-sale integrations, HMS Pay delivers fast authorizations, simplified reconciliation, and powerful reporting, all through a single, easy-to-use interface.

Key Capabilities of HMS Pay Virtual Terminal:
  • Credit, Debit & ACH/Check Processing
  • Level 3 Processing for B2B transactions
  • Automated Surcharge & Cash Discount Options
  • Multi-MID Capability for multi-location merchants
  • Hosted Payment Page Functionality
  • Recurring Payments & Subscription Management
  • API Gateway Integration for custom workflows
  • Secure Customer Vault for card-on-file transactions
Ideal for: Medical, nonprofit, eCommerce, and service-based businesses.

Authorize.net

A Visa-powered virtual terminal with built-in fraud prevention.
Authorize.net offers a smart, connected way to accept payments across channels — online, in-person, or by phone. With advanced AI-based fraud tools, businesses can process transactions quickly and confidently.
Top Features:
  • Fast Onboarding and Real-Time Fraud Detection
  • Virtual Terminal for Phone and Mail Orders
  • Support for Apple Pay, PayPal, and eCheck
  • Smart Dashboards With Analytics and Insights
  • Add “Buy Now” or “Donate” Buttons for Instant Checkout
Perfect for: eCommerce stores, nonprofits, and hybrid retailers.

NMI Virtual Terminal

Advanced control for multi-location or high-volume merchants.
NMI’s browser-based terminal enables merchants to process transactions via card, check, or cash and provides extensive customization.
Highlights:
  • Recurring Payments and Invoicing
  • API Gateway Integration and Level 3 Processing
  • Load Balancing Between Multiple Processors
  • Sub-User Permissions for Team-Based Access
  • Fraud Tools Including AVS and CVV
Best for: Large retailers, B2B companies, and high-risk merchants needing flexibility and control.

SwipeSimple Virtual Terminal

Simple, intuitive, and perfect for small businesses.
SwipeSimple allows you to take payments instantly via any browser — no special equipment needed.
Core Capabilities:
  • Accept Card-Not-Present Transactions Easily
  • Save Customer Data for Future Transactions
  • Schedule Automatic Recurring Billing
  • Send Email or Text Receipts Instantly
  • Track Sales, Top Products, and Customer History
Best suited for: Contractors, salons, service providers, and small merchants.

TSYS TransIT Virtual Terminal

A flexible solution with strong data management. TSYS’s virtual terminal enables real-time payment processing and powerful reporting. Features Include:

  • Customer Vault for Secure Data Storage
  • Electronic Invoicing
  • Recurring Payment Scheduling
  • Inventory Management
Ideal for: Businesses managing repeat billing or large inventories.

USAePay Virtual Terminal

Security-first payment processing for remote and recurring billing.

Key Features:
  • PCI Level 1 Compliance and Fraud Prevention
  • Card-on-File Storage
  • Third-Party Security Scanning
  • Recurring Billing and ACH Support
Best for: Businesses that prioritize compliance and secure data handling.

CardPointe Virtual Terminal

A seamless browser-based POS for card-not-present transactions.

Capabilities:
  • Real-Time Processing via Desktop, Laptop, or Mobile
  • Tokenization and P2PE Encryption
  • Store Customer Data for Recurring Billing
  • Simplified Integration with EMV Devices
Ideal for: Professional services, hospitality, and remote teams.

FluidPay Virtual Terminal

Modern cloud-based solution with advanced automation tools. Features:

  • Electronic Invoicing via Email and SMS
  • Batch Uploads via CSV
  • API Gateway Integration
  • Level 3 Processing for Corporate Transactions
  • Secure Customer Vault
  • Online Surcharging Options
Perfect for: B2B, high-volume, and SaaS-based businesses.

Valor Virtual Terminal

Security-first payment processing for remote and recurring billing.

Key Features:
  • PCI Level 1 Compliance and Fraud Prevention
  • Card-on-File Storage
  • Third-Party Security Scanning
  • Recurring Billing and ACH Support
  • E-Invoice via Text or Email
  • QR Payments
  • Valor Connect (Cloud Integration with Handheld Terminals)
  • Menu & Inventory Management
  • EMC Engage My Customer™ Marketing Tools
  • Dynamic Descriptor for customized statements
  • Cash Discounts & Surcharges
  • Detailed Transaction and Sales Reports
  • Advanced Data Protection and Chargeback Prevention
Best for: Businesses that prioritize secure, compliant, and versatile payment solutions with tools for engagement and growth.

Dejavoo Payments

Smart and secure payment solutions for in-person and remote transactions.

Key Features:
  • All-in-One Gateway with Virtual Terminal and Hosted Checkout
  • Supports Recurring Billing and Payment Links via SMS or Email
  • PCI-Secure Tokenization and Fraud Protection
  • Dual Pricing and Cash Discount Options
  • Level 2 & 3 Data Support for B2B Payments
  • Works with Android POS Terminals and Mobile Tap-to-Pay
  • Cloud-Based Reporting and Customer Insights
  • Custom Integration and White-Label Options
Best for: Businesses that want flexible, secure, and connected payment tools for any sales channel.

Legacy Virtual Terminal Systems

While HMS focuses on modern solutions, we continue to support our long-time merchants with legacy systems that remain secure and reliable.

Transaction Express

A web-based, centralized payment processing platform with 24/7 access.

Features Include:
  • ACH Services
  • Wireless Processing
  • Batch Processing
  • Check Imaging
  • Recurring Payments
  • Multi-Location Networking

Transaction Central

Developed by TSYS, Transaction Central supports advanced payment functions and integrations.

Key Capabilities:
  • ACH Services
  • Wireless Processing
  • Tokenization and Recurring Payments
  • Multi-Location Networking
Note: Transaction Central is a legacy gateway no longer provisioned for new users but supported for existing HMS merchants.

Why Choose Host Merchant Services?

When you choose HMS, you’re not only getting a tool, rather an entire virtual payment ecosystem supported with years of experience and award-winning support.

Here’s why merchants choose us:
  • 24/7 Live Support
  • Next-Day Funding
  • Flexible Rates
  • Custom Setup for Every Business
  • Full Transparency, No Hidden Fees, and No Long-Term Contracts
Get Started Today

Start Accepting Remote Payments Today

Receive your payments faster and make your payment process easier with HMS Virtual Terminal — an intelligent and secure way of handling transactions remotely.

Call (877) 517-4678 or Request a Free Demo today and experience the next level of convenience and control.

Get Started Today

Start Accepting Remote Payments Today

Virtual Terminal FAQ

What types of businesses use virtual terminals?

Virtual terminals are perfect for service providers, healthcare offices, contractors, nonprofits and high risk merchants and anyone who takes phone orders or payments offsite.

Can I accept recurring or subscription payments?

Absolutely. You can schedule automatic recurring billing, manage subscriptions, and store payment details securely for future transactions.

Is the HMS Virtual Terminal secure?

Yes. HMS virtual terminals are PCI DSS compliant and use encryption and tokenization to secure all customer payment data from fraud or breaches.

What is a virtual terminal?

A virtual terminal is a digital version of the credit card terminal for an online business that enables merchants to enter payment information manually via a secure web browser. This is a good option for telephone or remote transactions.

What’s the difference between a virtual terminal and a payment gateway?

A virtual terminal is utilized by sellers to process payments manually, whereas, a payment gateway automatically processes customers’ transactions from an eCommerce website.

What are the main benefits of using a virtual terminal?

Convenience, flexibility, and speed. You will have the capability to accept payments wherever you are, generate invoices, maintain customer records, and securely access real-time transaction data.