Virtual Terminal Merchant Services
Require to accept payments without a physical terminal? We’ve got your back. Payvergé has a virtual terminal where you can accept credit card payments with your phone at any location with no hardware needed. You can use it whether you are managing phone orders, invoices, or remote transactions, and our platform is quick, compliant, and high-risk.
Top Virtual Terminal Credit Card Processing Company
Customers prefer card-not-present payments because they are convenient; however, they are dangerous to businesses. We ensure your protection at Payvergé. Designed and supported by high-risk industries, our virtual terminal services provide secure, compliant, and efficient credit card processing without hardware. Whether you process face-to-face, in a shop, online, or in an app, we provide the resources and services so that regardless of what and where you process, the cash flow remains stable and customers have the confidence to process with you.
Why Choose Payverge
Multi-Currency Capability
Operate confidently across borders. Payverge supports transactions in over 170 currencies, enabling seamless international operations with competitive conversion rates and compliance-ready infrastructure.
Competitive, Scalable Pricing
Our rate structures are designed to scale with your business. Enjoy transparent, cost-efficient processing that supports your growth without sacrificing profitability.
Streamlined Integration
Our platform integrates smoothly with your existing ERP, CRM, or accounting systems, reducing onboarding time and allowing your teams to maintain operational continuity.
Industry-Specific Expertise
With deep experience in high-risk and B2B payment environments, our support team offers strategic guidance, risk mitigation planning, and real-time assistance tailored to your sector.
How It Works
Apply Online
It all starts with our simple online application. Briefly describe your business, what industry you deal with, what monthly volumes you deal with, what product/service it is, and what processing history do you have? It takes a few moments.
Underwriting & Approval
As soon as we have your info,o we will start working with our highly skilled underwriting team. We will look at the documentation and find an appropriate match with our network of high-risk banking partners. We do that during this review as well: we also have clear communication between us: should we require some further documents or we have certain questions, we will provide them in time.
Onboarding & Integration
Once approved, we will take you step by step through the setup of your new merchant account. You will be given the payment gateway or API access credentials with which you can start processing. We have technical support that will facilitate the integration of the gateway into your website, shopping cart, or point of sale. All popular e-commerce solutions are supported by u, and we deliver both the plugins/SDKs.
Accept Payments & Grow
Begin accepting payments securely with your customers! It is then live and you can see and monitor all the transactions in real-time using our online dashboard,,d which has the analytics and reporting side. However, that is not all with our relationship. Your account is furnished by continuous monitoring of frauds and chargeback alerts/management, as well as compliance support.
About our services
Virtual Terminal Payment Gateway
Secure remote payments with Payvergé virtual terminal gateway are fast, encrypted and simple to manage. Our system supports real time authorizations, sends the payment data safely- you can use it to accept transactions in card not present locations with absolute confidence no matter where you do business.
Virtual Terminal Payment Processing
Our payment terminal solution is designed to facilitate fast and accurate virtual payments regardless of origin to support high-risk, remote transactions. Payvergé reduces chargebacks and maintains your cash flow steady no matter whether you accept payments by phone or invoice customers directly. It does not require any physical equipment or complicated set up.
Industries That Thrive with Our Virtual POS Terminal
Professional Services
From legal firms to consultants, remote payments are the norm. With Payvergé, you can securely process retainers, invoices, and project fees by phone or email, while keeping sensitive financial data protected and client trust intact.
Healthcare Providers
Our HIPAA-compliant virtual terminal simplifies billing for remote consultations, follow-up care, and insurance co-pays. It’s secure, easy to use, and built to handle sensitive patient payments with complete privacy and peace of mind.
Nonprofits
Manual donations don’t have to be a headache. Accept pledges by phone or virtual form with secure processing that makes fundraising seamless. Our terminal helps nonprofits save time, reduce friction, and focus on their mission, not their merchant account.
Contractors
You don’t always have a card reader in your pocket, and honestly, you shouldn’t have to. Whether you're out fixing a pipe or handling a last-minute callout, Payvergé lets you accept payments right from your phone or tablet. Generate invoices on the go, get paid fast, and skip the awkward “I’ll send it later” follow-ups.
B2B
If your business runs on big transactions, multiple vendors, or steady invoice cycles, you need something that just works. With Payvergé, you can accept payments by phone or email, track everything clearly, and keep your cash flow moving. No chasing. No chaos. Just clean processing that keeps up with your operation.
Travel Companies
Bookings. Deposits. Last-minute reservations. If you’re in the travel space, you already know how messy payments can get. Payvergé gives you a secure way to process everything, whether it's over the phone or online, and supports payments from clients across the globe. Multiple currencies? No problem. We’re built for that kind of hustle.
Our Virtual Terminal POS Solutions
Running a business doesn’t always mean being behind a checkout counter, and your payment system should reflect that. With Payvergé, you get flexible options that fit how you work.
- Virtual Terminal
- Mobile
- In-Store Retail
- eCommerce
Transforming Virtual POS Problems into High Profits
Upgraded Payment Solutions
When it comes to running your business, clunky payment tools shouldn't slow you down. At Payvergé, we help you take payments wherever you are without the stress. Our virtual terminal gives you the flexibility to charge customers by phone, email, or even through a tablet on-site. It’s secure, simple, and designed to work the way your business already does. Fewer steps. Fewer chargebacks. More time to focus on what matters, like actually growing your revenue.
Strategic Advantage
At Payvergé, we keep things simple where it counts. Our virtual payment solutions are built to give your business a real edge with smoother workflows, better security, and support that doesn’t disappear when things get tricky. You don’t just get a tool, you get a team that knows how to make payments work for your business.
Expert Payment Solutions for High-Risk Merchants
Running a high-risk business is hard enough—your payment processing shouldn’t make it harder. At Payvergé, we specialize in simplifying complex transactions for industries that traditional providers avoid. From secure merchant accounts to advanced fraud tools, we give you the infrastructure to grow confidently and stay compliant, without the usual red tape. Let us handle the payment complications, so you can focus on what you do best: scaling your business.
Talk to our team today and experience high-risk payment support done right.
Ready to Get Started?
Don’t let the “high-risk” label hold your business back. With the right merchant account partner, even the most challenging industries can secure reliable payments and flourish. We have the experience, technology, and dedication to support your business every step of the way – from fast approvals to safeguarding your transactions long-term.
Take the next step now: Reach out to our team for a free consultation or simply fill out our quick application to apply for a high-risk merchant account today. The sooner you get set up, the sooner you can focus on growth without worrying about payments. Let us handle the risk and heavy lifting, so you can concentrate on what you do best – running your business successfully. We’re ready to help you succeed. Let’s get started!
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Frequently Asked Questions
A virtual terminal is basically a web-based payment tool. You log in, type in the customer’s card info, and process the payment, no card reader, no physical POS machine. It’s perfect for taking payments over the phone, through email, or in any situation where the customer isn’t right in front of you.
Nope. All you need is a device with internet access, laptop, tablet, desktop, or even your phone. It’s built for flexibility, especially for businesses that operate remotely or don’t want to mess with hardware.
Traditional POS systems are great—if you’re behind a counter. Virtual terminals are built for businesses on the move, remote teams, or anyone doing card-not-present transactions. They’re simpler, faster, and way less bulky.
Yes, really. Every transaction is encrypted end-to-end, with fraud tools and chargeback mitigation baked in. If you’re in a high-risk industry, PayVergé is designed to handle the mess most processors avoid.
Tons of businesses. Think: legal services, consultants, healthcare providers, tradespeople, B2B vendors, nonprofits, you name it. If you take payments without a card swipe or chip dip, this is for you.