Best STEPpay Virtual Terminal Alternatives in 2026
The top STEPpay Virtual Terminal alternatives are Authorize.net, EBizCharge Virtual Terminal and CoreGateway Virtual Terminal: 15 virtual terminal software our editors would look at instead of STEPpay Virtual Terminal, in our ranking order.
STEPpay Virtual Terminal: A focused terminal for one-time, recurring, card, and ACH payment workflows. Where it falls short: pricing requires a sales conversation.
Switching from STEPpay Virtual Terminal? For most virtual terminal software buyers the best STEPpay 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 a STEPpay Virtual Terminal Alternative
- Pricing requires a sales conversation
- Customer-record and invoice functionality is limited
- Best suited to payment operations rather than broader billing workflows
Quick Picks by What You Need
- Best overallAuthorize.net9.4
Established businesses needing a full virtual terminal
Visit Authorize.net - Lowest priceChase Orbital Virtual Terminal8.4
Paid plans from $9.95/mo
Visit Chase Orbital Virtual Terminal - Best free optionPayPal Payments7.9
Has a free plan
Visit PayPal Payments
All 15 STEPpay 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.
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Best forEstablished businesses needing a full virtual terminal
- Better than STEPpay Virtual Terminal:
- Editor score 9.4 vs 6.8
A full virtual terminal with recurring billing, ACH, fraud tools, reporting, and APIs.
- Recurring payments
9.4/10★★★★★Visit Authorize.net -
Best forBusinesses needing invoicing and accounting workflows
- Better than STEPpay Virtual Terminal:
- Editor score 9.2 vs 6.8
A browser-based payment terminal with invoicing, recurring billing, and accounting integrations.
- Invoices
- Customer records
- Refunds
9.2/10★★★★★Visit EBizCharge -
Best forTeams needing controls and payment flexibility
- Better than STEPpay Virtual Terminal:
- Editor score 9.0 vs 6.8
A flexible browser terminal for teams managing card, ACH, recurring, and invoice payments.
- Invoices
- Customer records
- Refunds
9.0/10★★★★☆Visit CoreGateway -
Best forBusinesses needing reporting and workflow integrations
- Better than STEPpay Virtual Terminal:
- Editor score 8.9 vs 6.8
A reporting-focused payment portal with recurring billing, invoices, and broad workflow integrations.
- Invoices
- Customer records
- Refunds
8.9/10★★★★☆Visit PayJunction -
Best forBusinesses wanting broad omnichannel payments
- Better than STEPpay Virtual Terminal:
- Editor score 8.8 vs 6.8
A broad payment platform combining virtual terminals with online, in-person and bank payments.
8.8/10★★★★☆Visit Helcim -
Best forComplex merchants needing broad payment infrastructure
- Better than STEPpay Virtual Terminal:
- Editor score 8.7 vs 6.8
Broad payment infrastructure for complex merchants, with contact-sales pricing.
- Recurring payments
8.7/10★★★★☆Visit NMI -
Best forInternational and marketplace payment operations
- Better than STEPpay Virtual Terminal:
- Editor score 8.6 vs 6.8
A broad payment platform for international, recurring, and marketplace operations.
- Recurring payments
8.6/10★★★★☆Visit Cybersource -
Best forGlobal omnichannel merchants and developers
- Better than STEPpay Virtual Terminal:
- Editor score 8.5 vs 6.8
A broad payment stack for merchants and developers, with paid pricing and a checkout-led Ecommerce plan.
- Recurring payments
8.5/10★★★★☆Try Global Payments -
Best forBudget-conscious card-only phone-order processing
- Better than STEPpay Virtual Terminal:
- Editor score 8.4 vs 6.8
A low-cost virtual terminal for card-only phone, mail, and recurring payments.
- Customer records
- Refunds
- Recurring payments
8.4/10★★★★☆Visit Chase Orbital -
Best forMerchants needing reconciliation and batch controls
- Better than STEPpay Virtual Terminal:
- Editor score 8.3 vs 6.8
A Moneris-focused virtual terminal with strong reconciliation and batch controls.
- Customer records
- Refunds
- Recurring payments
8.3/10★★★★☆Visit Moneris -
Best forSmall businesses needing browser and mobile access
- Better than STEPpay Virtual Terminal:
- Editor score 8.2 vs 6.8
A practical virtual terminal for remote payments, with pricing and integrations requiring closer review.
- Invoices
- Customer records
- Refunds
8.2/10★★★★☆Visit Payline -
Best forBusinesses prioritizing integrations and customer records
- Better than STEPpay Virtual Terminal:
- Editor score 8.1 vs 6.8
A flexible payment terminal for businesses that value integrations and customer records.
- Invoices
- Customer records
- Recurring payments
8.1/10★★★★☆Visit Redde -
Best forOmnichannel merchants needing terminal and online payments
- Better than STEPpay Virtual Terminal:
- Editor score 8.0 vs 6.8
A broad payment platform for merchants that need virtual terminal and omnichannel capabilities.
8.0/10★★★★☆Visit Heartland -
Best forBusinesses wanting broad payment-method coverage
- Better than STEPpay Virtual Terminal:
- Editor score 7.9 vs 6.8
Broad payment coverage with APIs, hosted checkout, links, invoicing, and marketplace support.
- Recurring payments
7.9/10★★★★☆Visit PayPal -
Best forMobile-first merchants needing a virtual terminal
- Better than STEPpay Virtual Terminal:
- Editor score 7.8 vs 6.8
A flexible virtual terminal with mobile payments, invoices, ACH, and recurring billing.
- Recurring payments
7.8/10★★★★☆Visit SwipeSimple
STEPpay Virtual Terminal Alternatives: Common Questions
What is the best alternative to STEPpay 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 STEPpay Virtual Terminal?
Yes. PayPal Payments has a free plan or a free tier.
What is the cheapest paid alternative to STEPpay 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 STEPpay Virtual Terminal alternatives?
Pricing requires a sales conversation; Customer-record and invoice functionality is limited; Best suited to payment operations rather than broader billing workflows.
How do I switch from STEPpay Virtual Terminal?
Export your data from STEPpay 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 STEPpay Virtual Terminal.
How to Switch from STEPpay Virtual Terminal
- Export your data from STEPpay 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 STEPpay Virtual Terminal.
STEPpay Virtual Terminal vs Each Alternative
| # | Tool | Free plan | Paid from | Recurring payments | Score |
|---|---|---|---|---|---|
| 24 | STEPpay Virtual Terminal | Yes | 6.8 | ||
| 1 | Authorize.net | No | $25/mo | Yes | 9.4 |
| 2 | EBizCharge Virtual Terminal | No | Yes | 9.2 | |
| 3 | CoreGateway Virtual Terminal | No | Yes | 9.0 | |
| 4 | PayJunction Virtual Terminal | No | Yes | 8.9 | |
| 5 | Helcim | No | 8.8 | ||
| 6 | NMI | Yes | 8.7 | ||
| 7 | Cybersource | Yes | 8.6 | ||
| 8 | Global Payments | No | Yes | 8.5 | |
| 9 | Chase Orbital Virtual Terminal | No | $9.95/mo | Yes | 8.4 |
| 10 | Moneris Merchant Resource Center | Yes | 8.3 | ||
| 11 | Payline Virtual Terminal | No | Yes | 8.2 | |
| 12 | Redde Virtual Terminal | No | Yes | 8.1 | |
| 13 | Heartland Payments+ | 8.0 | |||
| 14 | PayPal Payments | Yes | Yes | 7.9 | |
| 15 | SwipeSimple | Yes | 7.8 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update