No annual or monthly fees
What is a Virtual Terminal?A virtual terminal is an Internet based replacement for the traditional "PDQ" style manual card terminal.
It provides an online login area for you to process your credit and debit card payments manually without having to use an electronic "PDQ" terminal. It includes all the functionality of a traditional terminal such as refunds etc. but with a lot more besides, eg. you can perform fraud checks prior to processing the payment. It is a completely "standalone" solution, ie. you cannot link it directly to your web site. If you want a complete checkout/payment system for your web site please see our eCOM packages. The virtual terminal is particularly useful if :-
- You have multiple operators inputting card payments
- You want to be able to process payments from any location
- You want extra fraud checks not available with many "PDQ" terminals
- You want a comprehensive database of payments made
- You want to keep your existing web site checkout system (if you have one)
And of course it will save you the cost of renting a terminal from your bank!
Please note that the virtual terminal is designed for Cardholder Not Present (CNP) payments, it is not suitable for Cardholder Present situations such as in a shop.
What will I need?
All you need to use the service is a computer with an Internet connection, as the virtual terminal is accessed using a standard Internet browser. You will also need an Internet merchant number from your bank. If you already process card payments using a PDQ terminal you just need an additional merchant number for Internet transactions from your acquiring bank. If you have never accepted card payments before you will need to contact one of the banks listed at the foot of this page to set up an Internet merchant account. If you are unsure how to go about this just contact us and we can help you to obtain it from your bank.
What to tell your bank
You will need to request the following :-
An Internet merchant number, for use with payment service provider "Universal Payment Gateway (UPG)".
How much does it cost?
The following table outlines the costs associated with the virtual terminal. There is a one-off setup fee of £25 and NO annual or monthly fees! Just a per transaction fee for successful payments, which you purchase as blocks of credits.
TRANSACTION FEES
No. of transaction credits purchased |
Total Cost |
Equivalent cost per transaction |
100 |
£25 |
25p |
250 |
£55 |
22p |
500 |
£99 |
19.8p |
1,000 |
£149 |
14.9p |
5,000 |
£499 |
9.98p |
10,000
|
£899 |
8.99p |
25,000 |
£2000 |
8p |
50,000 |
£3750 |
7.5p |
Please note :
We DO NOT charge for failed transactions.
Transaction credits do NOT expire after a certain period, however if you cancel your account with us then we cannot refund any unused transactions.
Try it now!
To get started, please contact your merchant acquiring bank using the phone numbers below, and ask them for :-
An Internet merchant number, for use with payment service provider "Universal Payment Gateway (UPG)".
Once you have your Internet merchant number, complete our application form and we will set up your virtual terminal. If you have any questions, or find that you are having difficulty communicating with your bank, please contact us.
List of current telephone numbers for all banks :
Lloyds TSB 0870 901 7915 (option 1)
HSBC 0845 7023344
Barclays 0800 616161
Streamline (Natwest & RBoS group) 0800 010166 Option 1
Bank of Scotland 0800 652 5808
What to do next
STEP 1 - Please complete our UPG online card processing application form.
