Host Merchant Services

Menu
Facebook-f X-twitter Linkedin-in

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, Web-Based Gateway Built for Modern, Multi-Channel Payments.
HMS Pay is the proprietary payment gateway developed by Host Merchant Services, designed to give merchants complete control over their payment ecosystem. It’s a web-based, all-in-one processing platform built for speed, security, and simplicity across channels.

Key Capabilities:
  • Credit, Debit, and ACH/eCheck Processing
  • Hosted Payment Page Functionality
  • Recurring Payments and Subscription Billing
  • Customer Vault with Tokenization
  • Level 3 Data Support for B2B Transactions
  • Automated Surcharging Tools
  • Security Controls and Compliance Support
Best For: Medical, Nonprofits, eCommerce, and Service-Based Businesses.

Authorize.Net Virtual Terminal

A Trusted Virtual Terminal with Strong, Rules-Based Fraud Controls.
Authorize.net provides a connected way to accept payments online, in-person, or by phone. It includes advanced fraud tools to help businesses process transactions quickly and confidently.
Key Capabilities:
  • Manual Card-Not-Present Payment Entry
  • Velocity Filtering Controls
  • IP Filtering Controls
  • Transaction Filtering Controls
  • AVS Filtering Controls
  • CVV/CCV Filtering Controls
  • Fraud Rules Setup Tools
Best For: eCommerce, Nonprofits, and Businesses Needing Tunable Fraud Rules.

NMI Virtual Terminal

Flexible Virtual Terminal with B2B and Recurring Workflows.
NMI’s browser-based terminal supports card, check, and cash processing with deep customization options. It’s built for merchants needing flexibility, controls, and processor-level routing options.
Key Capabilities:
  • Recurring Plans and Subscription Management
  • Level III Processing Support (When Enabled)
  • Multi-Processor Routing Support (When Applicable)
  • User Permissions and Role-Based Access
  • AVS and CVV Verification Tools
  • API and Integration Support
  • Reporting and Reconciliation Workflows
Best For: Multi-Location, High-Volume, and B2B Merchants Needing Flexibility and Control.

SwipeSimple Virtual Terminal

Simple Browser-Based Payments with Invoicing and Receipts.
SwipeSimple enables fast browser-based payments without special equipment. It’s designed to keep checkout easy while supporting customer history and recurring billing.
Key Capabilities:
  • Virtual Terminal Access from a Web Browser
  • Invoice Creation and Delivery via Email or SMS/Text
  • Customer Receipt Delivery via Email or Phone Number
  • Refund and Void Tools
  • Payment Links as Part of Invoicing Workflows
  • Customer and Sales Tracking Tools
  • Remote Billing Support for Service Businesses
Best For: Contractors, Field Services, Salons, and Small Merchants.

TSYS WebPASS Virtual Terminal

Web-Based Acceptance with Reporting and Multi-User Access.
TSYS WebPASS provides a browser-based portal for payment processing with reporting access and billing management features that vary by program setup.
Key Capabilities:
  • Card-Not-Present and Card-Present Processing Options
  • Recurring Payment Capabilities
  • Multi-User Access
  • Reporting Access 24/7
  • Plug-and-Play Card Reader Support
  • Level III Data Acceptance (Where Supported)
  • Billing and Payment Management Options
Best For: Merchants Wanting a TSYS-Hosted Portal with Simple Add-On Capabilities.

USAePay Virtual Terminal

Security-Forward Virtual Terminal with Customer Database and Recurring Tools.
USAePay supports a virtual terminal merchant console with recurring billing tools and customer profile management focused on secure processing.
Key Capabilities:
  • PCI Level 1 Compliant Processing Environment
  • Virtual Terminal Merchant Console Tools
  • Customer Database for Stored Profiles and Billing
  • Recurring Billing Scheduling and Monitoring
  • Fraud Controls for Risk Management
  • Reporting Tools for Billing and Activity
  • ACH Support
Best For: Merchants Prioritizing Compliance, Customer Profiles, and Recurring Billing Controls.

CardPointe Virtual Terminal

Browser-Based MOTO Acceptance with Tokenization and Billing Plans.
CardPointe delivers browser-based processing across devices with encryption and tokenization. It also supports storing customer data and integrating with EMV devices.
Key Capabilities:
  • Payments from Any Mobile or PC Browser
  • Secure Storage for Recurring Billing and Scheduled Payments
  • Tokenization for Stored Customer Data
  • Point-to-Point Encryption Options with Compatible Devices
  • Simple Integration with EMV-Capable Hardware
  • Email Receipt Delivery
  • Billing Plans and Recurring Payment Plan Creation
Best For: Professional Services, Hospitality, Remote Teams, and MOTO-Heavy Operations.

FluidPay Virtual Terminal

Modern Gateway Workflows with Invoices and Batch Uploads.
FluidPay combines a virtual terminal with automation features for invoicing and batch workflows. It also supports Level 3 processing and surcharging options for advanced business needs.
Key Capabilities:
  • Electronic Invoicing with Email and Text Notifications
  • Customer Vault Saving Options for Card-on-File
  • Partial Payment Support on Invoices
  • Invoice and Tax Handling Options
  • Multiple Payment Methods (Card and ACH)
  • CSV Batch Upload Processing
  • Downloadable Batch Results
Best For: B2B Billing Teams, High-Volume Merchants, and Ops Teams Running Batch Workflows.

Valor Virtual Terminal

Virtual Terminal with E-Invoice, QR Payments, and a Deep Feature Set.
Valor includes strong compliance and fraud tools, plus added features for invoicing, QR payments, reporting, and customer engagement. It’s built for businesses needing a broader commerce toolkit.
Key Capabilities:
  • E-Invoice Payment Links via Text or Email
  • QR Code Payments Generation from the Virtual Terminal
  • Tokenization with Stored Credentials
  • Recurring Payments Setup
  • Cash Discounting, Dual Pricing, and Surcharging Options
  • Level 2 and Level 3 Payment Options
  • Inventory and Reporting Tools
Best For: Merchants Wanting a Feature-Rich Portal with Engagement and Pricing Programs.

Dejavoo Payments

Omni-Channel Payment Tools with Hosted Checkout and Payment Links.
Dejavoo provides connected payment tools that support a virtual terminal, hosted checkout, payment links, and recurring billing across sales channels.
Key Capabilities:
  • Virtual Terminal and Hosted Checkout
  • Recurring Billing Tools
  • Secure Payment Links Shared via Email or SMS
  • PCI-Secure Tokenization and Fraud Protection
  • Dual Pricing and Cash Discount Options
  • Level 2 and Level 3 Data Support for B2B Payments
  • Cloud-Based Reporting and Customer Insights
Best For: Businesses Wanting 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 Long-Running Web-Based Virtual Terminal Still Used by Existing Merchants.
Transaction Express is a long-standing platform supported for merchants who rely on legacy workflows. It provides core processing and multi-location support features.
Key Capabilities:
  • ACH Services
  • Wireless Processing
  • Check Imaging
  • Batch Processing
  • Recurring Payments
  • Multi-Location Networking
  • Web-Based Access from Internet-Connected Devices
Best For: Existing Merchants Staying on a Familiar Legacy Gateway.

Transaction Central

Legacy Gateway Supported for Existing Users in Many Portfolios.
Transaction Central is a legacy TSYS gateway portal used by existing merchants for payment processing workflows and integrations.
Key Capabilities:
  • ACH Services
  • Wireless Processing
  • Tokenization Support
  • Recurring Payments
  • Multi-Location Networking
  • Legacy Portal Access for Existing Accounts
  • Payment Processing and Reporting Workflows
Best For: Existing Merchants Who Need Continuity with Stored Data or Older Integrations.

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.