Virtual Terminal Credit Card Processing

The word “virtual”, as it’s most often used today, means “not real” or “imaginary”. For many people, virtual has become synonymous with the Internet. A virtual terminal uses the Internet to provide credit card processing that’s quick, efficient, cost effective and as real as the processing provided by a countertop terminal.

With the right merchant account, retailers and service providers can use a virtual terminal to process payment cards from any computer or mobile device with Internet access, including laptops, smartphones and tablets. For example, Transaction Express™ from Merchant Express® is a web-based electronic payment gateway that offers, among other features, a virtual terminal that can seamlessly verify, document and process all major credit cards and signature debit cards.

Virtual terminal credit card processing can benefit a variety of businesses, including diversified merchants, merchants with multiple locations, mobile merchants and merchants who are planning to expand their business.

After accessing the Transaction Express processing platform from our secure website, you can choose from a long list of versatile services that supplement its virtual terminal:

• manual or swiped entry of transactions (USB cardreader required for latter)
• automatic recurring billing option
• transaction authorizations
• receipt generation
• refunds to a customer’s card
• transaction status confirmation
• capture of previously authorized transactions
• secure storage of customer payment information
• batch file upload
• standard and customizable reports
• support for multi-merchant/multi-user environments
• single log-in for related merchant accounts
• authorization for additional users

To keep your credit card processing secure, Transaction Express is both a fully PCI-compliant and PA-DSS-certified payment application. And, by using the USB cardreader, you can qualify for lower, card-present processing rates with every card you swipe, eliminating the time-consuming and error-prone manual entry of account information.

Transaction Express is easy to learn, easy to use and works for any business of any size. If you’re looking to expand your sales opportunities and your customer base, this payment gateway can be a game-changer. Talk to a Merchant Express representative today about credit card processing with Transaction Express and its applications for your operation.