STEPpay Virtual Terminal
STEPpay Virtual Terminal: A focused terminal for one-time, recurring, card, and ACH payment workflows. Ranked #24 of 29 in Virtual Terminal Software by our editors (6.8/10); pricing: Pricing on request; best for teams needing controlled ACH and card processing.
At a glance
- Editor score6.8 / 10
- PricingPricing on request
- Best forTeams needing controlled ACH and card processing
- Payment methodsCards and bank payments
- Founded2008 · Memphis, Tennessee, United States
- Facts checked20 Sep 2026
Where it wins
- Supports one-time and recurring card and ACH payments
- Adds tokenization, refunds, reversals, and batch settlements
- Includes multi-user controls, custom fields, search, and reporting
Where it doesn't
- Pricing requires a sales conversation
- Customer-record and invoice functionality is limited
- Best suited to payment operations rather than broader billing workflows
Our verdict on STEPpay Virtual Terminal
STEPpay Virtual Terminal is a cloud-based payment system for merchants accepting card and ACH payments through an online terminal. It supports one-time transactions, recurring payments and schedules, refunds and reversals, tokenized payment data, transaction reporting, customizable fields, batch settlements, and historical searches. The product is positioned for organizations managing one or multiple merchant accounts, including businesses and public-sector customers that need PCI-focused payment infrastructure. Browser access and an API give teams two ways to connect payment operations with their workflows.
Payment coverage is the product’s central strength. Teams can process credit card and ACH payments, retain tokenized payment data, issue refunds or reversals, and complete end-of-day batch settlements. Multi-user administration and authentication support controlled access, while custom transaction fields can capture operational information alongside payment activity. Historical transaction search and reporting add visibility for reconciliation and review. Integrations with multiple acquiring banks, payment processors, and third-party software also support a broader processing setup.
STEPpay uses contact-sales pricing rather than published plan tiers, so the commercial evaluation happens through a sales process. Its documented scope is narrower around customer records and invoices, making it a less natural fit for teams seeking a full customer billing system. Choose STEPpay when controlled card and ACH processing, recurring schedules, payment-data protection, user administration, and settlement workflows are the priority. Consider an alternative when invoice management or richer customer-account functionality is central to the buying decision.
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STEPpay Virtual Terminal pricing
STEPpay Virtual Terminal fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Payment methods | Cards and bank payments |
| Recurring payments | Yes |
| Refunds | Yes |
| Invoices | Not verified |
| Customer records | Not verified |
| Supported platforms | Browser |
| Currency support | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | PCI DSS, HIPAA |
| Support | Email, Phone |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Integrations | 3 integrations: Multiple acquiring banks, Payment processor integrations, Third-party software integrations |
| Pricing | Pricing on request |
| Website | coalescesolutions.com |
| Facts checked | 20 Sep 2026 |
STEPpay Virtual Terminal integrations
STEPpay Virtual Terminal lists 3 integrations on its own site.
- Multiple acquiring banks
- Payment processor integrations
- Third-party software integrations
Alternatives to STEPpay Virtual Terminal
- Authorize.netA full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.9.4
- EBizCharge Virtual TerminalA browser-based payment terminal with invoicing, recurring billing, and accounting integrations.9.2
- CoreGateway Virtual TerminalA flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.9.0
See all STEPpay Virtual Terminal alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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