CoreGateway Virtual Terminal review
A flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
CoreGateway Virtual Terminal is a browser-based payment terminal for merchants collecting card-not-present payments without dedicated hardware. It is suited to phone and mail orders, field-service payments, accounts receivable, utilities, education, and nonprofit operations. Teams can process keyed credit-card and debit-card payments alongside ACH and bank transfers, while customer records, invoice lookup, and payment application keep transaction workflows connected to back-office tasks.
Its strongest case is control over payment operations. A customer vault stores tokenized payment credentials, and the platform supports email and SMS receipts, recurring billing, scheduled payments, refunds, and voids. Customizable user permissions help separate employee access, while surcharges, convenience fees, and L2/L3 data support address more specialized payment workflows. The hosted payments page and invoicing features extend the product beyond a simple keyed-entry screen.
CoreGateway also connects with a broad set of payment processors, including Elavon, Fiserv, Paya, TSYS, and Payroc, and provides a REST + JSON API for custom integration work. The Standard Platform plan includes the virtual terminal, hosted payments page, invoicing, recurring billing, customer vault, and surcharging. The platform fee excludes interchange and published transaction markup, while ACH pricing is separately quoted. Choose it if browser-based access, payment flexibility, permission controls, and processor choice matter more than a native desktop or mobile application. Organizations needing broader platform coverage should consider an alternative.
CoreGateway Virtual Terminal pros and cons
- Where it wins
- Accepts keyed card, ACH, and bank-transfer payments
- Adds vaulting, recurring billing, refunds, and invoice lookup
- Offers permissions, surcharges, and multiple processor integrations
- Where it doesn't
- Browser-only access limits platform coverage
- No free plan is available
- Platform fees exclude interchange and transaction markup
CoreGateway Virtual Terminal fact sheet, pricing and score →
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