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Finance & Accounting

Best Virtual Terminal Software in 2026

Dojo leads this list of 28 (9.2/10, free plan). Helcim is next (9.1/10, free plan), and myPOS Virtual Terminal MO/TO is the next highest-placed option with a free plan (8.5/10). Virtual terminal software supports taking payments through supported platforms. Compare payment methods and currency support with invoices, refunds, and recurring payments to see which transaction tasks are specified.

  1. 01 Dojo

    Dojo is suited to businesses taking card payments in person, online or by phone, from cafes and other small businesses to expanding enterprises.

    From £11.99/mo Free plan Web · iOS · Android · API
    9.2 Visit Specs
  2. 02 Helcim

    Helcim suits businesses seeking in-person and online payment processing, invoicing, or recurring billing.

    From $0.40/mo Free plan Web · Windows · macOS · iOS
    9.1 Visit Specs
  3. 03 myPOS Virtual Terminal MO/TO

    This service suits businesses that need to accept card payments remotely by phone or email.

    Free plan Web · iOS · Android · API
    8.5 Visit Specs
  4. 04 SwipeSimple

    SwipeSimple suits small businesses taking payments on the go, in retail or food-and-beverage settings, or through a computer for B2B and back-office billing.

    From $19.95/mo Free plan Web · iOS · Android
    8.5 Visit Specs
  5. 05 Authorize.net

    Authorize.net suits small businesses looking to accept payments across online, in-person and phone channels.

    From $25/mo Web · iOS · Android · API
    8.2 Visit Specs
  6. 06 Blackbaud Merchant Services Virtual Terminal

    It is for organizations in the social good community using supported Blackbaud products that need to process one-time card payments.

    Web · iOS · Android · API
    8.2 Visit Specs
  7. 07 Global Payments
    Web · iOS · Android · API
    8.2 Visit Specs
  8. 08 Fluid Pay Virtual Terminal
    Web · API
    7.9 Visit Specs
  9. 09 Square Online
    From $49/mo Free plan Web
    7.8 Visit Specs
  10. 10 Chase Orbital Virtual Terminal
    From $9.95/mo Web
    7.7 Visit Specs
  11. 11 CoreGateway Virtual Terminal
    From $15/mo Web · API
    7.6 Visit Specs
  12. 12 NMI

    NMI is aimed at ISOs, software companies, and payment facilitators embedding payment acceptance.

    Web · Windows · Linux · iOS
    7.6 Visit Specs
  13. 13 Cashflows Virtual Terminal
    Web
    7.5 Visit Specs
  14. 14 Cybersource

    Cybersource is intended for businesses accepting online payments, including medium and large merchants.

    Web · iOS · Android · API
    7.5 Visit Specs
  15. 15 Payline Virtual Terminal
    Web · iOS · Android · API
    7.5 Visit Specs
  16. 16 Argent Virtual Terminal
    Web
    7.3 Visit Specs
  17. 17 EBizCharge Virtual Terminal
    Web
    7.3 Visit Specs
  18. 18 GivePayments Virtual Terminal

    This terminal suits merchants needing browser-based phone, mail-order, invoice, recurring, or hosted-page payments.

    Web · API
    7.3 Visit Specs
  19. 19 Paymentsense Virtual Terminal
    From £8.29/mo Web · iOS · Android
    7.2 Visit Specs
  20. 20 Moneris Merchant Resource Center
    Web
    7.1 Visit Specs
  21. 21 PayJunction Virtual Terminal
    Web · API · Browser extension
    7.1 Visit Specs
  22. 22 PayLolly Virtual Terminal

    The Virtual Terminal suits businesses that need to accept payments online through a browser, payment links, shopping platform integrations, or APIs.

    Web · iOS · Android · API
    6.9 Visit Specs
  23. 23 Redde Virtual Terminal
    Web · iOS · Android
    6.9 Visit Specs
  24. 24 STEPpay Virtual Terminal
    Web · API
    6.8 Visit Specs
  25. 25 Worldline Food Services Payments Suite
    Web · API
    6.4 Visit Specs
How this list is ordered. Specifiction scores each tool on how fully its maker documents it, whether its prices are published, where the research puts it, the platforms it runs on and whether it can be tried for free (how we rank). Makers can also buy a numbered place (how Specifiction is paid for).

Customer records may be relevant to how payment details are associated with buyers, and supported platforms indicate where the terminal can be used. Check free-plan availability and paid-from pricing for cost context. Dojo, NMI, and myPOS Virtual Terminal MO/TO are among the entries. Weigh the listed payment, record, and platform features against the way your business handles payments.

Compare Dojo and Helcim Get a place on this list

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