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Best Argent Virtual Terminal Alternatives in 2026

#23 of 29 in Virtual Terminal Software

The top Argent Virtual Terminal alternatives are Authorize.net, EBizCharge Virtual Terminal and CoreGateway Virtual Terminal: 15 virtual terminal software our editors would look at instead of Argent Virtual Terminal, in our ranking order.

6.9/10Editor score
Visit site
Argent Virtual Terminal6.9 Visit site

Argent Virtual Terminal: A practical browser terminal for staff-attributed card-not-present and invoice payments. Where it falls short: pricing requires a sales conversation and account-specific rates.

Switching from Argent Virtual Terminal? For most virtual terminal software buyers the best Argent Virtual Terminal alternative is Authorize.net, built for established businesses needing a full virtual terminal. On a budget, Chase Orbital Virtual Terminal starts at $9.95/mo. PayPal Payments has a free plan.

Why People Look for an Argent Virtual Terminal Alternative

  • Pricing requires a sales conversation and account-specific rates
  • Designed for browser use rather than a native desktop or mobile app
  • Best suited to card-not-present workflows, not physical-terminal payments

Quick Picks by What You Need

All 15 Argent Virtual Terminal Alternatives, Ranked

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.

  1. Authorize.net

    Best forEstablished businesses needing a full virtual terminal

    • Better than Argent Virtual Terminal:
    • Editor score 9.4 vs 6.9

    A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.

    • Recurring payments
    Our Authorize.net verdict → Visit Authorize.net
    9.4/10★★★★★
    Visit Authorize.net
  2. EBizCharge Virtual Terminal

    Best forBusinesses needing invoicing and accounting workflows

    • Better than Argent Virtual Terminal:
    • Editor score 9.2 vs 6.9

    A browser-based payment terminal with invoicing, recurring billing, and accounting integrations.

    • Invoices
    • Customer records
    • Refunds
    Pricing on request Our EBizCharge Virtual Terminal verdict → Visit EBizCharge
    9.2/10★★★★★
    Visit EBizCharge
  3. CoreGateway Virtual Terminal

    Best forTeams needing controls and payment flexibility

    • Better than Argent Virtual Terminal:
    • Editor score 9.0 vs 6.9

    A flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.

    • Invoices
    • Customer records
    • Refunds
    Our CoreGateway Virtual Terminal verdict → Visit CoreGateway
    9.0/10★★★★☆
    Visit CoreGateway
  4. PayJunction Virtual Terminal

    Best forBusinesses needing reporting and workflow integrations

    • Better than Argent Virtual Terminal:
    • Editor score 8.9 vs 6.9

    A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations.

    • Invoices
    • Customer records
    • Refunds
    Our PayJunction Virtual Terminal verdict → Visit PayJunction
    8.9/10★★★★☆
    Visit PayJunction
  5. Helcim

    Best forBusinesses wanting broad omnichannel payments

    • Better than Argent Virtual Terminal:
    • Editor score 8.8 vs 6.9

    A broad payment platform combining virtual terminals with online, in-person and bank payments.

    Our Helcim verdict → Visit Helcim
    8.8/10★★★★☆
    Visit Helcim
  6. NMI

    Best forComplex merchants needing broad payment infrastructure

    • Better than Argent Virtual Terminal:
    • Editor score 8.7 vs 6.9

    Broad payment infrastructure for complex merchants, with contact-sales pricing.

    • Recurring payments
    Pricing on request Our NMI verdict → Visit NMI
    8.7/10★★★★☆
    Visit NMI
  7. Cybersource

    Best forInternational and marketplace payment operations

    • Better than Argent Virtual Terminal:
    • Editor score 8.6 vs 6.9

    A broad payment platform for international, recurring, and marketplace operations.

    • Recurring payments
    Pricing on request Our Cybersource verdict → Visit Cybersource
    8.6/10★★★★☆
    Visit Cybersource
  8. Global Payments

    Best forGlobal omnichannel merchants and developers

    • Better than Argent Virtual Terminal:
    • Editor score 8.5 vs 6.9

    A broad payment stack for merchants and developers, with paid pricing and a checkout-led Ecommerce plan.

    • Recurring payments
    Our Global Payments verdict → Try Global Payments
    8.5/10★★★★☆
    Try Global Payments
  9. Chase Orbital Virtual Terminal

    Best forBudget-conscious card-only phone-order processing

    • Better than Argent Virtual Terminal:
    • Editor score 8.4 vs 6.9

    A low-cost virtual terminal for card-only phone, mail, and recurring payments.

    • Customer records
    • Refunds
    • Recurring payments
    Our Chase Orbital Virtual Terminal verdict → Visit Chase Orbital
    8.4/10★★★★☆
    Visit Chase Orbital
  10. Moneris Merchant Resource Center

    Best forMerchants needing reconciliation and batch controls

    • Better than Argent Virtual Terminal:
    • Editor score 8.3 vs 6.9

    A Moneris-focused virtual terminal with strong reconciliation and batch controls.

    • Customer records
    • Refunds
    • Recurring payments
    Pricing on request Our Moneris Merchant Resource Center verdict → Visit Moneris
    8.3/10★★★★☆
    Visit Moneris
  11. Payline Virtual Terminal

    Best forSmall businesses needing browser and mobile access

    • Better than Argent Virtual Terminal:
    • Editor score 8.2 vs 6.9

    A practical virtual terminal for remote payments, with pricing and integrations requiring closer review.

    • Invoices
    • Customer records
    • Refunds
    Pricing on request Our Payline Virtual Terminal verdict → Visit Payline
    8.2/10★★★★☆
    Visit Payline
  12. Redde Virtual Terminal

    Best forBusinesses prioritizing integrations and customer records

    • Better than Argent Virtual Terminal:
    • Editor score 8.1 vs 6.9

    A flexible payment terminal for businesses that value integrations and customer records.

    • Invoices
    • Customer records
    • Recurring payments
    Our Redde Virtual Terminal verdict → Visit Redde
    8.1/10★★★★☆
    Visit Redde
  13. Heartland Payments+

    Best forOmnichannel merchants needing terminal and online payments

    • Better than Argent Virtual Terminal:
    • Editor score 8.0 vs 6.9

    A broad payment platform for merchants that need virtual terminal and omnichannel capabilities.

    Our Heartland Payments+ verdict → Visit Heartland
    8.0/10★★★★☆
    Visit Heartland
  14. PayPal Payments

    Best forBusinesses wanting broad payment-method coverage

    • Better than Argent Virtual Terminal:
    • Editor score 7.9 vs 6.9

    Broad payment coverage with APIs, hosted checkout, links, invoicing, and marketplace support.

    • Recurring payments
    Free plan Our PayPal Payments verdict → Visit PayPal
    7.9/10★★★★☆
    Visit PayPal
  15. SwipeSimple

    Best forMobile-first merchants needing a virtual terminal

    • Better than Argent Virtual Terminal:
    • Editor score 7.8 vs 6.9

    A flexible virtual terminal with mobile payments, invoices, ACH, and recurring billing.

    • Recurring payments
    Our SwipeSimple verdict → Visit SwipeSimple
    7.8/10★★★★☆
    Visit SwipeSimple

Argent Virtual Terminal Alternatives: Common Questions

What is the best alternative to Argent Virtual Terminal?

Authorize.net: #1 in our Virtual Terminal Software ranking, with an editor score of 9.4 out of 10. A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.

Is there a free alternative to Argent Virtual Terminal?

Yes. PayPal Payments has a free plan or a free tier.

What is the cheapest paid alternative to Argent Virtual Terminal?

Of the alternatives here that publish a price, Chase Orbital Virtual Terminal starts lowest, at $9.95/mo.

Why do people look for Argent Virtual Terminal alternatives?

Pricing requires a sales conversation and account-specific rates; Designed for browser use rather than a native desktop or mobile app; Best suited to card-not-present workflows, not physical-terminal payments.

How do I switch from Argent Virtual Terminal?

Export your data from Argent Virtual Terminal (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Argent Virtual Terminal.

How to Switch from Argent Virtual Terminal

  1. Export your data from Argent Virtual Terminal (most tools have an export in their settings).
  2. Sign up for the alternative; start on its free plan or trial if it has one.
  3. Import your export and set up the integrations your team relies on.
  4. Run both side by side for a short while, then cancel Argent Virtual Terminal.

Argent Virtual Terminal vs Each Alternative

#ToolFree planPaid fromRecurring paymentsScore
23Argent Virtual TerminalYes6.9
1Authorize.netNo$25/moYes9.4
2EBizCharge Virtual TerminalNoYes9.2
3CoreGateway Virtual TerminalNoYes9.0
4PayJunction Virtual TerminalNoYes8.9
5HelcimNo8.8
6NMIYes8.7
7CybersourceYes8.6
8Global PaymentsNoYes8.5
9Chase Orbital Virtual TerminalNo$9.95/moYes8.4
10Moneris Merchant Resource CenterYes8.3
11Payline Virtual TerminalNoYes8.2
12Redde Virtual TerminalNoYes8.1
13Heartland Payments+8.0
14PayPal PaymentsYesYes7.9
15SwipeSimpleYes7.8

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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