Introduction

Virtual Terminal is a secure, browser-based solution that enables you to process payments in card-present, card-not-present, and ACH scenarios. Card-not-present transactions (also referred to as CNP, MO/TO, or Mail Order/Telephone Order transactions) are credit card purchases made over the telephone, Internet, or through mail order, where the cardholder is not present with the physical card at the time of purchase and the card is not swiped through a terminal. Unlike card-present transactions—where liability typically rests with the issuing bank—Mail Order/Telephone Order (MOTO) transactions place liability with the acquiring bank. Virtual Terminal can be used for transactions received by mail, telephone, email, or other remote methods, as well as in-person payments using compatible card readers. You can also configure Virtual Terminal settings to suit your business needs and capture custom merchant-defined and Level II/III data.

Overview

With Virtual Terminal, you can:

• Process one-time transactions, including authorizations, sales, credits, ACH debits, and eChecks.
• Accept payments using card readers such as Magstripe, Bluefin, or BBPOS EMV readers.
• Capture Level II and Level III data for enhanced transaction detail.
• Configure global, receipt, and reader settings for streamlined order entry.

Processing One-Time Payments

1. In the left navigation pane, click the Virtual Terminal icon.
2. Select One-Time Payment to open the payment page.
3. Under Customer Presence, choose Present or Not Present. The page updates based on your selection.
4. In Order Details, select the transaction type (Authorization or Sale), enter the amount, and select the currency.
5. Enter merchant-defined values in Merchant-Defined Fields if applicable.
6. Enter Level III values in Level III Fields if applicable.
7. Enter billing and shipping information.
8. Under Payment Information:
   • Select Scan Card to use a connected reader, or key in card details manually.
   • Optional: Enable split tender, save payment instrument for later use, or create additional transactions using the same card data.
   • Optional: Create a payment token or set up recurring/installment payments via the Subscription Type menu.
   • Optional: Set up on-demand transaction defaults.
9. Click Submit to process the payment.

Important: The total displayed includes amounts from Level II fields. Level III fields may override Level II values.

Card Present Transactions

1. In Customer Presence, select Present.
2. Use Scan Card with your EMV reader or MSD device to capture card data.
3. Continue from Step 4 in the main procedure to complete the transaction.

Processing with BBPOS EMV Reader

Note: Card-present via BBPOS is available only in the US for merchants using the FDC Nashville Global processor.

1. Ensure the BBPOS reader is connected and your system meets compatibility requirements.
2. In Virtual Terminal, select One-Time Payment.
3. Click Check reader connection to verify connectivity.
4. Select Present or Not Present under Customer Presence.
5. Enter order details, Level II/III values, and billing information.
6. Click Scan Card and have the cardholder insert, swipe, or tap their card.
7. Follow prompts on the reader and retry scan if capture fails.
8. If scanning fails, manually enter card details.
9. Click Submit and then Confirm to finalize the payment.

Processing ACH Transactions

1. Select One-Time Payment in Virtual Terminal.
2. Choose Present or Not Present under Customer Presence.
3. Under Order Details, select eCheck Debit, enter amount, currency, and Level II values if applicable.
4. Enter merchant-defined and Level III values as applicable.
5. Enter billing and shipping information.
6. Under Payment Information, enter ACH account details.
7. Read and agree to terms and conditions.
8. Click Submit to process the payment.

Using Merchant-Defined and Level III Fields

Merchant-defined fields capture custom business data such as store number or region. Do not include personal customer data in these fields. Level III fields enable detailed transaction reporting. If enabled, these fields appear during order entry on the Advanced Fields tab.

Important: Level III fields may override Level II values and affect the displayed total.

Managing Virtual Terminal Settings

Configure Virtual Terminal to match your business processes. Settings include:

• Global Settings – Define default transaction types, form view, accepted card types, and required fields.
• Receipt Settings – Customize customer receipts with order, customer, and merchant-defined data.
• Reader Settings – Configure connected card readers for card-present transactions.

Configuring Global Settings

1. Click Virtual Terminal > Terminal Settings.
2. Select the Global Settings tab.
3. Choose the card status to configure (Present or Not Present).
4. Complete settings as described below:

Click Submit and then Confirm to save settings.

Configuring Receipt Settings

1. Click Virtual Terminal > Terminal Settings.
2. Select the Receipt Settings tab.
3. Complete the following sections:

Click Submit and then Confirm to save receipt settings.