What is a virtual terminal?

A virtual terminal is a secure online app that lets you take payment card and eCheck payments using your computer. Simply enter a customer’s card details and process a card transaction online.

There’s no need for a physical card reader or any other expensive hardware. Instead, your computer becomes a secure payment terminal—and your customer may pay from anywhere.

The simplest way to process payment card transactions

Virtual Terminal is one of the quickest and easiest ways you can start accepting card payments.

Virtual Terminal is a web-based application you access via the Cybersource Business Center. All you need is an internet connection and web browser, and you can process payment card and eCheck (U.S.) payments securely over the phone or in person.

The benefits of Virtual Terminal

Simple setup

Virtual Terminal is a ready-to-go solution for quick one-time payments. It’s 100% browser-based, so no hosting, development, or additional hardware required.

Works with all payment cards

Virtual Terminal supports all major payment cards, as well as eCheck in the U.S.

Point-to-point encryption

Receive support for contact centers or customers who want to pay over the phone securely with point-to-point encryption (P2PE).


Apply Token Management Service by Cybersource for complete security and a seamless omnichannel experience.

Built-in security and compliance

Powerful, built-in security protects your brand and customers by storing sensitive payment data in Visa data centers.

Centralized management

Manage all your sales in one place with zero integration at no additional charge. Track real-time payment activity and manage your team’s access centrally. And speak to our award-winning support team when you need help.

Virtual Terminal: FAQs

Very easy. There’s no coding or even API integration needed. All you need to do is log in to the Cybersource Business Center to start accepting payments.

Virtual Terminal is a simple online payment form within the Business Center. Enter your customer’s payment card details into the fields. Then, submit the form, and Cybersource processes the payment for you.

You may access Virtual Terminal on a Windows or Mac laptop or desktop via web browsers including Chrome, Safari, Firefox, and Edge.

It’s free with your Cybersource account.

It's easy and intuitive to tailor Virtual Terminal to your business workflow, with features such as additional entry fields to help reduce processing fees and the ability to get custom receipts.

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Interested? Let’s talk.

Learn more about our Virtual Terminal, schedule a demo, or see our pricing.