Fluid Pay Virtual Terminal

Spec sheet

What it does

The cloud based virtual terminal processes card and ACH payments from a browser and supports searching, refunding, reconciling, and batching transactions.Read 8 Oct 2026 · fluidpay.com

Purpose

The virtual terminal accepts card and ACH payments from any browser and provides transaction search, refunds, reconciliation, and batching.Read 8 Oct 2026 · fluidpay.com

Intended users

It is built for mail-order and phone-order merchants, call-center and accounts-receivable teams, and off-site sellers.Read 8 Oct 2026 · fluidpay.com

Integrations

Fluid Pay documentation lists REST APIs for transactions, refunds, recurring billing, invoices, batches, customer vault, custom fields, and webhooks.Read 8 Oct 2026 · sandbox.fluidpay.com

Support

Fluid Pay lists [email protected] for existing partners and merchants and says engineers triage support tickets directly.Read 8 Oct 2026 · fluidpay.com

Headquarters

Franklin, Tennessee, United StatesRead 28 Sep 2026 · fluidpay.com

Founded

2017Read 28 Sep 2026 · fluidpay.com

Company

Fluid Pay says it was founded in 2017 and is a partner-only payment gateway; its listed address is 725 Cool Springs Blvd., Ste 440, Franklin, TN 37067.Read 8 Oct 2026 · fluidpay.com

API tools

The developer documentation provides a sandbox for testing integrations without processing real money.Read 8 Oct 2026 · sandbox.fluidpay.com

Availability

The product page says the virtual terminal works from any browser, from anywhere.Read 8 Oct 2026 · fluidpay.com

Company and sales model

Fluid Pay says it was founded in 2017, serves ISOs, agent groups, and ISVs through partners, and does not board merchants directly.Read 8 Oct 2026 · fluidpay.com

Custom fields

Custom fields such as purchase-order numbers and work-order IDs can flow into reporting automatically.Read 8 Oct 2026 · fluidpay.com

Customer records

The form can save billing and shipping addresses to a customer record, and a transaction can add the customer to Customer Vault at the same time.Read 8 Oct 2026 · fluidpay.com

Designed for

Fluid Pay describes it as suited to mail and phone order merchants, call center and accounts receivable teams, and off site sales.Read 8 Oct 2026 · fluidpay.com

Payment methods

Card and ACH payments appear on the same form, share a customer record, and feed into the same reporting.Read 8 Oct 2026 · fluidpay.com

Pricing

The virtual terminal page directs prospective customers to contact Fluid Pay; the company's white-label gateway pricing page describes a one-time activation fee and a monthly platform fee but gives no amounts.Read 8 Oct 2026 · fluidpay.com

Receipts and catalog

Users can email branded receipts and add catalog products or ad-hoc line items to a transaction for itemized receipts and reporting.Read 8 Oct 2026 · fluidpay.com

Receipts and split payments

The terminal supports one click branded email receipts and dividing a sale across two payment methods.Read 8 Oct 2026 · fluidpay.com

Related products

The virtual terminal pairs natively with Customer Vault, Recurring Billing, and Reporting.Read 8 Oct 2026 · fluidpay.com

Security and compliance

Fluid Pay identifies itself as a PCI DSS Level 1 Service Provider, and says its Customer Vault tokenizes card and ACH data across gateway products.Read 8 Oct 2026 · fluidpay.com

Transaction tools

Users can switch processors, add discounts, override shipping or tax, and split a sale across two payment methods.Read 8 Oct 2026 · fluidpay.com

Transaction workflow

Users can add custom fields, save billing and shipping addresses, and override processor, discount, shipping, or tax details per transaction.Read 8 Oct 2026 · fluidpay.com

Unified payments

Card and ACH payment fields share one form, customer record, and reporting flow.Read 8 Oct 2026 · fluidpay.com

Vault and catalog

Users can add a customer to Customer Vault while processing a transaction and search the product catalog or add ad hoc line items.Read 8 Oct 2026 · fluidpay.com

Vault and PCI

Fluid Pay says Customer Vault stores card and ACH data within Fluid Pay and that merchants' PCI scope drops to SAQ A in most cases; Fluid Pay identifies itself as a PCI DSS Level 1 service provider.Read 8 Oct 2026 · fluidpay.com

Plans and prices

Every Fluid Pay Virtual Terminal plan and price →

Where Specifiction places it

• Virtual Terminal Software#8 of 287.9
• Payment Gateways#22 of 667.9