Cashflows Virtual Terminal review
A multi-user virtual terminal for card-only phone, mail-order and link payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Cashflows Virtual Terminal is a browser-based payment service for businesses taking card payments by phone, mail order, fax and payment links. It is aimed at sales and service teams, call centres and other operations that need card acceptance without physical terminal hardware. Multiple simultaneous users can access one account from computers and mobile devices, while stored customer and card details support future payments. The service accepts Visa, Mastercard and American Express for telephone payments, with payment links supporting additional wallet options.
Pricing is handled through sales rather than published plan tiers, so the buying process is oriented toward a direct conversation with Cashflows Europe Limited. The product connects with Cashflows Portal and the Cashflows Gateway API, giving it a fit within the Cashflows ecosystem. Its operational tools include payment reporting, transaction search, refunds, invoice support and permissions for refund and transaction management. Support for multiple currencies also suits businesses handling payments across more than one currency.
The product’s focus is narrow and clear: browser-based, card-led payments for remote sales and service workflows. It suits teams that need several users to process transactions, manage customer records and create checkout links without issuing each operator a physical terminal. It is less suitable for businesses seeking a broader payment-method mix within the virtual terminal, or for buyers who require transparent self-serve plan pricing. Choose Cashflows Virtual Terminal when phone and mail-order card acceptance, shared access and transaction administration are central requirements; consider another option when non-card payment methods or publicly defined plans are priorities.
Cashflows Virtual Terminal pros and cons
- Where it wins
- Supports phone, mail-order, fax and payment-link card payments
- Multiple users can work from computers and mobile browsers
- Includes stored customer details, refunds, permissions and reporting
- Where it doesn't
- Pricing is handled through a contact-sales process
- Payment methods are limited to cards in the virtual terminal
- Requires an internet-connected browser to access the service
Cashflows Virtual Terminal fact sheet, pricing and score →
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