A virtual terminal lets you key in card payments from any browser. It's ideal for phone and mail orders, invoicing, and businesses without a physical card reader. These processors include a virtual terminal in their dashboard.
24 processors
ACH-first payment processor owned by CSG, built for utility, government, healthcare and property management billing rather than card-led retail.
Reported 2.9% + $0.31
online rate
Reported $2.50 gateway
monthly fee
Varies
payout
Long-running Colorado high-risk ISO that places domestic, international and offshore merchant accounts, with month-to-month terms for most merchants.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.
Custom quote
online rate
Negotiated
monthly fee
Next day
payout
Global payment orchestration with local acquiring in 50 countries, published regional fee schedules and intelligent routing with failover.
2.9% + $0.30
online rate
$0 above $5,000 sales
monthly fee
2-day
payout
US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.
Custom quote
online rate
$5 to $25 reported
monthly fee
2-day
payout
US payment gateway built for B2B and B2G sellers, with automated Level 2 and Level 3 data to cut interchange on commercial cards.
Custom quote
online rate
Roughly $15 to $75
monthly fee
Next day
payout
Texas high-risk provider that returns a price the moment you finish the online form, across more than 50 regulated verticals. US businesses only.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Chicago ISO selling interchange-plus card processing, a branded gateway and its own Waves POS system. Sponsored into the card networks by Westamerica Bank.
Custom quote
online rate
Custom quote
monthly fee
2-day
payout
Stax-owned US merchant account provider that dropped the flat membership fee it was built on. Pricing is now interchange-plus, quoted account by account.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Payroc-owned New Jersey ISO selling a proprietary gateway to B2B and large-ticket merchants. No rates published, and the contract runs three years.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Merchant One is a Miami Beach-based ISO that resells Wells Fargo merchant accounts with tiered pricing, Clover hardware and a $13.95 monthly fee.
0.29% to 1.99% qualified
online rate
$13.95
monthly fee
Varies
payout
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