The Best Virtual Terminal Software in 2026
We researched virtual terminal software from official vendor websites, including pricing pages, plan tables and product documentation. Products were ranked on their core job—accepting manually entered card payments—along with value for money and verified features relevant to virtual terminal software.
Our top picks
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Top ranked
Authorize.net#1 of 299.4/10A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.
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Runner-up
EBizCharge Virtual Terminal#2 of 299.2/10A browser-based payment terminal with invoicing, recurring billing, and accounting integrations.
Pricing on request
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Top-ranked free plan
PayPal Payments#14 of 297.9/10Broad payment coverage with APIs, hosted checkout, links, invoicing, and marketplace support.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 29 tools, best first
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Best forEstablished businesses needing a full virtual terminal
A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.
- Recurring payments
9.4/10★★★★★Visit Authorize.net -
Best forBusinesses needing invoicing and accounting workflows
A browser-based payment terminal with invoicing, recurring billing, and accounting integrations.
- Invoices
- Customer records
- Refunds
9.2/10★★★★★Visit EBizCharge -
Best forTeams needing controls and payment flexibility
A flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.
- Invoices
- Customer records
- Refunds
9.0/10★★★★☆Visit CoreGateway -
Best forBusinesses needing reporting and workflow integrations
A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations.
- Invoices
- Customer records
- Refunds
8.9/10★★★★☆Visit PayJunction -
Best forBusinesses wanting broad omnichannel payments
A broad payment platform combining virtual terminals with online, in-person and bank payments.
8.8/10★★★★☆Visit Helcim -
Best forComplex merchants needing broad payment infrastructure
Broad payment infrastructure for complex merchants, with contact-sales pricing.
- Recurring payments
8.7/10★★★★☆Visit NMI -
Best forInternational and marketplace payment operations
A broad payment platform for international, recurring, and marketplace operations.
- Recurring payments
8.6/10★★★★☆Visit Cybersource -
Best forGlobal omnichannel merchants and developers
A broad payment stack for merchants and developers, with paid pricing and a checkout-led Ecommerce plan.
- Recurring payments
8.5/10★★★★☆Try Global Payments -
Best forBudget-conscious card-only phone-order processing
A low-cost virtual terminal for card-only phone, mail, and recurring payments.
- Customer records
- Refunds
- Recurring payments
8.4/10★★★★☆Visit Chase Orbital -
Best forMerchants needing reconciliation and batch controls
A Moneris-focused virtual terminal with strong reconciliation and batch controls.
- Customer records
- Refunds
- Recurring payments
8.3/10★★★★☆Visit Moneris -
Best forSmall businesses needing browser and mobile access
A practical virtual terminal for remote payments, with pricing and integrations requiring closer review.
- Invoices
- Customer records
- Refunds
8.2/10★★★★☆Visit Payline -
Best forBusinesses prioritizing integrations and customer records
A flexible payment terminal for businesses that value integrations and customer records.
- Invoices
- Customer records
- Recurring payments
8.1/10★★★★☆Visit Redde -
Best forOmnichannel merchants needing terminal and online payments
A broad payment platform for merchants that need virtual terminal and omnichannel capabilities.
8.0/10★★★★☆Visit Heartland -
Best forBusinesses wanting broad payment-method coverage
Broad payment coverage with APIs, hosted checkout, links, invoicing, and marketplace support.
- Recurring payments
7.9/10★★★★☆Visit PayPal -
Best forMobile-first merchants needing a virtual terminal
A flexible virtual terminal with mobile payments, invoices, ACH, and recurring billing.
- Recurring payments
7.8/10★★★★☆Visit SwipeSimple -
Best forMOTO merchants needing fraud screening
A focused MOTO terminal with strong fraud checks, but contact-sales pricing limits comparison.
- Invoices
- Customer records
- Refunds
7.7/10★★★★☆Visit GivePayments -
Best forTeams needing reconciliation and custom transaction data
A browser terminal for card and ACH payments with strong reconciliation and transaction controls.
- Customer records
- Refunds
7.6/10★★★★☆Visit Fluid Pay -
Best forLow-cost, simple MOTO payment collection
A simple, low-cost option for manual MOTO card payments across web and mobile.
- Invoices
- Customer records
- Refunds
7.5/10★★★★☆Visit myPOS -
Best forSmall merchants wanting free remote card payments
A practical free POS option for small merchants taking remote card payments.
- Refunds
7.4/10★★★★☆Visit SumUp -
Best forCard-only businesses needing simple MOTO access
A practical virtual terminal for card-only, card-not-present payments.
- Refunds
- Recurring payments
7.3/10★★★★☆Visit Worldpay -
Best forMulti-user card-only mail-order operations
A multi-user virtual terminal for card-only phone, mail-order and link payments.
- Invoices
- Customer records
- Refunds
7.2/10★★★★☆Visit Cashflows -
Best forUK merchants wanting low-cost card processing
A low-cost virtual terminal for UK merchants taking remote card payments.
- Customer records
- Recurring payments
7.1/10★★★★☆Visit Paymentsense -
Best forBusinesses needing staff-attributed invoice payments
A practical browser terminal for staff-attributed card-not-present and invoice payments.
- Invoices
- Customer records
- Recurring payments
6.9/10★★★☆☆Visit site -
Best forTeams needing controlled ACH and card processing
A focused terminal for one-time, recurring, card, and ACH payment workflows.
- Refunds
- Recurring payments
6.8/10★★★☆☆Visit STEPpay -
Best forLarge payment ecosystems needing routing and reporting
A broad payment-orchestration layer for businesses managing complex processor ecosystems.
6.7/10★★★☆☆Visit PayLolly -
Best forOmnichannel merchants using terminals and EPOS
A broad omnichannel payments stack for merchants combining terminals, EPOS and online checkout.
6.6/10★★★☆☆Visit Dojo -
Best forBusinesses needing a free online storefront
A capable free storefront builder, but not a dedicated virtual terminal.
6.5/10★★★☆☆Visit Square Online -
Best forRestaurant groups needing omnichannel payment operations
A restaurant-focused suite connecting in-person, online, mobile, and reconciliation workflows.
6.4/10★★★☆☆Visit Worldline -
Best forOrganizations needing basic card transaction records
A focused browser terminal for recording one-time card transactions and refunds.
- Refunds
6.2/10★★★☆☆Visit Blackbaud
No tools match those filters.
Compare at a glance
Head-to-head All 28 comparisons →
- Authorize.net vs EBizCharge Virtual Terminal
- Authorize.net vs CoreGateway Virtual Terminal
- Authorize.net vs PayJunction Virtual Terminal
- Authorize.net vs Helcim
- Authorize.net vs NMI
- Authorize.net vs Cybersource
- Authorize.net vs Global Payments
- EBizCharge Virtual Terminal vs CoreGateway Virtual Terminal
- EBizCharge Virtual Terminal vs PayJunction Virtual Terminal
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How we rank virtual terminal software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update