GivePayments Virtual Terminal
givepayments.com
What it is
GivePayments Virtual Terminal turns a browser into a payment terminal for card payments by phone, mail order, or invoice, without dedicated hardware. Merchants can key mail-order and telephone-order transactions for real-time approval or decline, or send hosted payment pages for customers to enter card details. With consent, cards can be stored for repeat billing, while refunds and voids are handled from the same screen. Keyed entries receive AI fraud screening alongside AVS, CVV, velocity, pattern, and behavioral checks. Eligible commercial-card transactions can include Level 2 tax and customer-code data or Level 3 line-item data. Connections are described for WooCommerce, Shopify, other carts, QuickBooks, CRM and ERP systems, and webhook automation. The developer API includes tokenization, hosted pages, webhooks, SDKs, recurring billing, and card and ACH processing. GivePayments says its PCI DSS Level 1 infrastructure uses tokenization and hosted pages to keep card data out of merchant systems. It targets high-risk businesses, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B. Pricing is on request, and underwriting sets the final processing rate; higher-risk accounts may have a rolling reserve.
Spec sheet
- Integrations
- GivePayments connects with WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook-based automation.Read 1 Oct 2026 · givepayments.com
- Security
- GivePayments says it operates on PCI DSS Level 1 infrastructure, with tokenization and hosted pages that keep card data out of merchant systems.Read 1 Oct 2026 · givepayments.com
- Compliance
- Before boarding, GivePayments reviews licensing, certifications, KYC/AML procedures, card-network rules, KYB, beneficial ownership, and OFAC and PEP screening.Read 1 Oct 2026 · givepayments.com
- Support
- GivePayments says it provides US-based support for American merchants on domestic, USD-settling accounts.Read 1 Oct 2026 · givepayments.com
- Headquarters
- Phoenix, Arizona, United StatesRead 28 Sep 2026 · givepayments.com
- B2B data
- Eligible commercial-card transactions can include Level 2 data such as tax amount and customer code and Level 3 line-item data.Read 1 Oct 2026 · givepayments.com
- Core function
- The virtual terminal turns any browser into a secure payment terminal for card payments by phone, mail order, or invoice without hardware.Read 1 Oct 2026 · givepayments.com
- Developer API
- The API provides tokenization, hosted payment pages, webhooks, SDKs, recurring billing, and card and ACH processing.Read 1 Oct 2026 · givepayments.com
- Fraud controls
- Every keyed entry is screened with AI fraud screening, AVS, CVV, velocity, pattern, and behavioral checks.Read 1 Oct 2026 · givepayments.com
- Invoice links
- Merchants can send a hosted payment page when customers should enter their own card details.Read 1 Oct 2026 · givepayments.com
- MOTO payments
- It supports mail-order and telephone-order payments with real-time approval or decline.Read 1 Oct 2026 · givepayments.com
- Notable limit
- The final processing rate is set by underwriting based on vertical, volume, average ticket, and chargeback history, and higher-risk accounts may carry a rolling reserve.Read 1 Oct 2026 · givepayments.com
- Refunds and voids
- Refunds and voids can be run from the same virtual-terminal screen.Read 1 Oct 2026 · givepayments.com
- Stored cards
- With consent, merchants can keep a card on file for customers they bill repeatedly.Read 1 Oct 2026 · givepayments.com
- Target customers
- The processor is built for high-risk verticals that mainstream processors decline, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B.Read 1 Oct 2026 · givepayments.com
Plans and prices
Travel & tour operators Priced on request discount rate + per-transaction fee Advance-booking models supported Read 1 Oct 2026 · givepayments.com
SaaS, courses, fitness, pet, moving, retail, property Priced on request discount rate + per-transaction fee Standard mid-risk band Read 1 Oct 2026 · givepayments.com
B2B, invoicing & pay-by-link Priced on request discount rate + per-transaction fee Level 2/3 data can lower interchange Read 1 Oct 2026 · givepayments.com
Nutraceuticals & supplements Priced on request discount rate + per-transaction fee Continuity-billing ready · FTC-compliant offers Read 1 Oct 2026 · givepayments.com
Subscription & continuity billing Priced on request discount rate + per-transaction fee Dunning + account-updater included Read 1 Oct 2026 · givepayments.com
Peptides, GLP-1 & telehealth Priced on request discount rate + per-transaction fee Reserve typically 10–15% · LegitScript required for GLP-1/Rx models Read 1 Oct 2026 · givepayments.com
Dropshipping & high-risk e-commerce Priced on request discount rate + per-transaction fee Depends on fulfillment model and dispute rate Read 1 Oct 2026 · givepayments.com
High-ticket coaching & info-products Priced on request discount rate + per-transaction fee May carry a reserve · FTC earnings-claim review Read 1 Oct 2026 · givepayments.com
Ticket brokers & event resale Priced on request discount rate + per-transaction fee Advance-sale exposure factored in Read 1 Oct 2026 · givepayments.com
Tobacco & vape Priced on request discount rate + per-transaction fee Age-verification required Read 1 Oct 2026 · givepayments.com
Strong points and limits
Strong points
- Browser payments without dedicated hardware
- Hosted pages and stored cards
- Refunds and voids from one screen
- API supports card and ACH processing
- PCI DSS Level 1 infrastructure
Limits
- Pricing is on request
- Underwriting sets the final processing rate
- Higher-risk accounts may carry a rolling reserve
- Single-currency support
Who it suits
This terminal suits merchants needing browser-based phone, mail-order, invoice, recurring, or hosted-page payments. GivePayments specifically targets high-risk verticals and B2B businesses.
Verdict
GivePayments combines virtual-terminal entry, hosted payment pages, recurring billing, and developer integrations. Businesses should account for underwriting-based rates and possible reserves, especially in higher-risk categories.
Where Specifiction places it
- Virtual Terminal Software#18 of 287.3
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