Argent Virtual Terminal review
A practical browser terminal for staff-attributed card-not-present and invoice payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Argent Virtual Terminal is a browser-based payment portal for businesses accepting card-not-present transactions. It supports manual payment entry for phone orders, mail and email orders, one-off invoice payments and businesses operating without a physical terminal. Individual staff logins connect transactions to specific team members, making it a fit for organizations that need accountability across invoice and phone-based payment work. Businesses can use it alongside a point-of-sale system or as a primary gateway.
The broader Argent Payments offering adds recurring billing through stored customer payment methods, electronic invoice payment links and ACH payment support. PCI-compliant payment processing is part of the offering, while customer records and recurring payments are reflected in the product’s category capabilities. Integrations with Authorize.net, NMI and Nuvei extend its fit for businesses already working with those payment platforms. POS and gateway integrations also make Argent relevant where the virtual terminal needs to sit alongside existing payment operations rather than replace them.
Pricing is account-based rather than organized around published fixed software plans. Argent describes account-specific processing rates, with rates and fees disclosed before signing, and offers a free statement review. That structure may suit businesses seeking a payment account tailored to their processing setup, but it gives buyers less upfront plan-level comparison. Argent Virtual Terminal is a strong match for teams handling phone, mail, email or invoice payments that want browser access and staff-level transaction attribution. Businesses primarily needing in-person terminal hardware, or a standalone native application, should consider a different type of payment solution.
Argent Virtual Terminal pros and cons
- Where it wins
- Supports phone, mail, email and invoice payment workflows
- Individual staff logins attribute transactions to team members
- Connects with Authorize.net, NMI, Nuvei, POS and gateway systems
- Where it doesn't
- 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
Argent Virtual Terminal fact sheet, pricing and score →
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