Best Virtual Terminal Software in 2026
Updated
In short: Dojo is ranked #1 of 28 as of 4 October 2026, ahead of PayPal Invoicing and NMI. The best-ranked option with a free plan is PayPal Invoicing. The lowest first paid tier on this page is SumUp Invoices at £7/mo.
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. 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.
28 virtual terminal software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
28ranked
5free plans on this page
£7/molowest paid tier
4 Oct 2026last checked
Input list Virtual Terminal Software 25 channels on this page · 104 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromPayment methodsRecurring paymentsRefundsInvoicesCustomer recordsSupported platforms Spec sheet Score
01 Dojo Free planYesPaid fromnot statedPayment methodsnot statedRecurring paymentsnot statedRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 1/8spec lines stated 7.7
02 PayPal Invoicing Free planYesPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 2/8spec lines stated 7.4
03 NMI Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 1/8spec lines stated 7.3
04 Helcim Free planNoPaid fromnot statedPayment methodsnot statedRecurring paymentsnot statedRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 1/8spec lines stated 7.2
05 myPOS Virtual Terminal MO/TO Free planYesPaid fromnot statedPayment methodscards onlyRecurring paymentsnot statedRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser and mobile 6/8spec lines stated 7.2
06 SumUp Invoices Free planYesPaid from$49/moPayment methodscards onlyRecurring paymentsnot statedRefundsYesInvoicesnot statedCustomer recordsnot statedSupported platformsbrowser and mobile 5/8spec lines stated 7.1
07 SwipeSimple Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 1/8spec lines stated 7.1
08 Heartland Retail Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring paymentsnot statedRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 0/8spec lines stated 6.8
09 Payline Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser and mobile 7/8spec lines stated 6.8
10 GivePayments Virtual Terminal Free plannot statedPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser 6/8spec lines stated 6.7
11 Redde Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsnot statedInvoicesYesCustomer recordsYesSupported platformsbrowser and mobile 6/8spec lines stated 6.6
12 Cashflows Virtual Terminal Free plannot statedPaid fromnot statedPayment methodscards onlyRecurring paymentsnot statedRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser 5/8spec lines stated 6.5
13 EBizCharge Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser 7/8spec lines stated 6.3
14 PayJunction Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser and mobile 7/8spec lines stated 6.3
15 CoreGateway Virtual Terminal Free planNoPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesYesCustomer recordsYesSupported platformsbrowser 7/8spec lines stated 6.1
16 Paymentsense Virtual Terminal Free planNoPaid fromnot statedPayment methodscards onlyRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsYesSupported platformsbrowser and mobile 5/8spec lines stated 6.0
17 Worldpay 360 Hospitality Free planNoPaid fromnot statedPayment methodscards onlyRecurring paymentsYesRefundsYesInvoicesnot statedCustomer recordsnot statedSupported platformsbrowser and mobile 5/8spec lines stated 6.0
18 Authorize.net Free planNoPaid from$25/moPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 3/8spec lines stated 5.8
19 Blackbaud Merchant Services Virtual Terminal Free plannot statedPaid fromnot statedPayment methodscards onlyRecurring paymentsNoRefundsYesInvoicesnot statedCustomer recordsnot statedSupported platformsbrowser 4/8spec lines stated 5.8
20 Fluid Pay Virtual Terminal Free plannot statedPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsnot statedRefundsYesInvoicesnot statedCustomer recordsYesSupported platformsbrowser 4/8spec lines stated 5.8
21 Global Payments Free planNoPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesnot statedCustomer recordsnot statedSupported platformsnot stated 2/8spec lines stated 5.8
22 Moneris Merchant Resource Center Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsYesInvoicesnot statedCustomer recordsYesSupported platformsbrowser 4/8spec lines stated 5.8
23 STEPpay Virtual Terminal Free plannot statedPaid fromnot statedPayment methodscards and bank paymentsRecurring paymentsYesRefundsYesInvoicesnot statedCustomer recordsnot statedSupported platformsbrowser 4/8spec lines stated 5.8
24 Argent Virtual Terminal Free plannot statedPaid fromnot statedPayment methodsnot statedRecurring paymentsYesRefundsnot statedInvoicesYesCustomer recordsYesSupported platformsbrowser 4/8spec lines stated 5.7
25 Chase Orbital Virtual Terminal Free planNoPaid from$9.95/moPayment methodscards onlyRecurring paymentsYesRefundsYesInvoicesnot statedCustomer recordsYesSupported platformsbrowser 7/8spec lines stated 5.7
Is your tool on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which virtual terminal software is ranked first on Specifiction?
Dojo is ranked #1 of 28 with a score of 7.7. PayPal Invoicing is second and NMI third.
How many of these have a free plan?
5 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, SumUp Invoices has the lowest first paid tier we found: £7/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing. Paid placements never change a rank.
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