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myPOS Virtual Terminal MO/TO

mypos.com

Free plan WebiOSAndroidAPI
Visit mypos.com
Spec score 8.5 #3 of 28 in Virtual Terminal Software

What it is

myPOS Virtual Terminal MO/TO lets businesses take card payments by phone or email when a customer is remote. It works on a computer, phone, or tablet with an internet connection and requires no installation, complex integration, or additional software or hardware. Businesses can give employees specific access to accept payments, then track transactions in real time from any location using the myPOS Mobile app. The product page says completed payments settle immediately into the myPOS merchant account. Businesses apply through that account, and myPOS confirms eligibility for the service. The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction. The plan has no monthly fee, but transaction fees apply, and the displayed tariff table is a concise summary linked to the full tariff breakdown. The product page says customer card information cannot be accessed after a transaction is complete. The UK pricing page lists 24/7 customer support as free.

Spec sheet

What it does
myPOS MO/TO Virtual Terminal lets merchants manually process mail-order and telephone-order card payments when the customer is remote.Read 15 Oct 2026 · mypos.com
Purpose
The MO/TO Virtual Terminal lets businesses accept card payments by phone or email when the customer is remote.Read 3 Oct 2026 · mypos.com
Security
The product page says the customer's credit card information cannot be accessed once the transaction has been completed.Read 3 Oct 2026 · mypos.com
Support
The UK pricing page lists 24/7 customer support as free.Read 3 Oct 2026 · mypos.com
Headquarters
The company story says London was the company's headquarters in 2017.Read 3 Oct 2026 · mypos.com
Founded
2012Read 28 Sep 2026 · mypos.com
.NET SDK
The public .NET SDK integrates myPOS terminals over USB, supports payments, refunds, receipt printing and terminal management, and requires .NET Framework 4.5.2 or newer.Read 15 Oct 2026 · github.com
API capabilities
The API catalogue includes Checkout, Payment, PSD2 open banking and Cash Register Remote APIs with purchase, refund, preauthorization, webhooks and remote fiscal receipt functions.Read 15 Oct 2026 · developers.mypos.com
Application process
Activation requires logging into the merchant account, applying under Take payments, and passing an eligibility review.Read 15 Oct 2026 · mypos.com
Company headquarters
Crunchbase lists London, England, United Kingdom as the headquarters.Read 15 Oct 2026 · crunchbase.com
Company history
myPOS says its idea began in 2012 and that it was presented at Mobile World Congress in 2014 as a platform offering instant payouts.Read 3 Oct 2026 · mypos.com
Company legal name
Crunchbase lists the legal name as myPOS World Ltd., also known as myPOS Europe Ltd.Read 15 Oct 2026 · crunchbase.com
Company origin
myPOS says its idea began in 2012 and that the platform launched publicly at Mobile World Congress in 2014.Read 15 Oct 2026 · mypos.com
Company scale
myPOS reported a 600-person international team for its 2024 tenth-anniversary celebration.Read 15 Oct 2026 · mypos.com
Customer-card retention
The product page states that customer card information cannot be accessed after a transaction is completed.Read 15 Oct 2026 · mypos.com
Developer documentation
The portal provides getting-started guides, sandbox and test-card instructions, API references, troubleshooting and migration guidance.Read 15 Oct 2026 · developers.mypos.com
Device access
It works on a computer, phone or tablet with an internet connection.Read 3 Oct 2026 · mypos.com
Device coverage
The virtual terminal is advertised for computers, phones and tablets, requiring only an internet connection.Read 15 Oct 2026 · mypos.com
Eligibility
Businesses apply from the myPOS merchant account, and myPOS confirms whether the business is eligible for the service.Read 3 Oct 2026 · mypos.com
Employee access
Merchants can grant specific employees access to take payments.Read 15 Oct 2026 · mypos.com
Hosted checkout security
The eCommerce API says hosted checkout keeps card data off the merchant server and provides PCI compliance out of the box.Read 15 Oct 2026 · developers.mypos.com
Installation
The virtual terminal requires no software installation, extra hardware or complex integration.Read 15 Oct 2026 · mypos.com
Integration requirements
The online integration guide requires public-IP requests, PHP 5.4.8 or later for its PHP SDK, and an HTTPS URL_Notify endpoint returning HTTP 200 with body OK.Read 15 Oct 2026 · developers.mypos.com
Licence status
The reviewed developer and GitHub pages expose SDK source and usage instructions but do not identify an open-source licence or self-hosting option.Read 15 Oct 2026 · github.com
Limit: app pricing complaint
A recent Google Play review complains that fees had risen to almost 3% per transaction.Read 15 Oct 2026 · play.google.com
Limit: customer support
Trustpilot’s summary notes that some users found support difficult to reach or unresponsive during urgent account problems.Read 15 Oct 2026 · trustpilot.com
Limit: fees
Trustpilot’s review summary reports complaints about unexpected transaction charges and monthly rental fees being taken earlier than expected.Read 15 Oct 2026 · trustpilot.com
No installation
The service requires no software installation, complex integration, or additional software or hardware.Read 3 Oct 2026 · mypos.com
Node.js SDK
myPOS publishes a Node.js package installable as @mypos-ltd/mypos with Checkout, transaction, device and webhook methods.Read 15 Oct 2026 · github.com
Online integrations
The developer portal lists plugins for WooCommerce, Magento, PrestaShop, OpenCart, Zen Cart, X-Cart, osCommerce, CloudCart, GombaShop, Joomla, HotelRunner and Exely.Read 15 Oct 2026 · developers.mypos.com
Ownership news
Advent International announced on November 16, 2023 that its Circle platform had agreed to acquire myPOS; the announcement described myPOS as having over 500 employees.Read 15 Oct 2026 · adventinternational.com
Praise: speed and flexibility
Trustpilot reviewers commonly praise fast transaction processing, instant funds and operational flexibility.Read 15 Oct 2026 · trustpilot.com
Praise: support and onboarding
Trustpilot’s review summary repeatedly praises helpful professional staff, clear guidance and smooth onboarding.Read 15 Oct 2026 · trustpilot.com
Pricing
The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction.Read 3 Oct 2026 · mypos.com
Pricing model
The Ireland pricing page describes pay-per-transaction pricing with no lock-in contract and free merchant IBAN account, payout, business Mastercard, mobile app and 24/7 support.Read 15 Oct 2026 · mypos.com
Pricing scope
The UK pricing page says its displayed tariff table is a concise summary and links to the full tariff breakdown.Read 3 Oct 2026 · mypos.com
Rating on Apple App Store
4.5 out of 5 from 2.5K ratingsRead 15 Oct 2026 · apps.apple.com
Rating on G2
5.0 out of 5 from 1 reviewRead 15 Oct 2026 · g2.com
Rating on Google Play
3.8 out of 5 from 23.6K reviewsRead 15 Oct 2026 · play.google.com
Rating on Trustpilot
4.2 out of 5 from 21,699 reviewsRead 15 Oct 2026 · trustpilot.com
Real-time tracking
Transactions can be monitored in real time from any location through the myPOS mobile app.Read 15 Oct 2026 · mypos.com
Regulatory status
The site footer identifies myPOS Payments as a UK FCA-authorised electronic-money institution, reference 900826.Read 15 Oct 2026 · mypos.com
SDK availability
The developer portal offers PHP, embedded, TypeScript, Node.js, Android, iOS and .NET SDK options.Read 15 Oct 2026 · developers.mypos.com
Security certification
myPOS states that it is PCI DSS Level 1 certified and undergoes an annual audit to maintain certification.Read 15 Oct 2026 · mypos.com
Settlement
Completed payments are settled immediately into the merchant’s myPOS account.Read 15 Oct 2026 · mypos.com
System status
The public status page lists the virtual terminal, online payments, mobile apps, account opening and customer service as operational, with no incidents shown for October 1–10, 2026.Read 15 Oct 2026 · status.mypos.com
Transaction tracking
Transactions can be tracked in real time and from any location using the myPOS Mobile app.Read 3 Oct 2026 · mypos.com
WooCommerce plugin
The official WooCommerce plugin supports one-click or manual setup, sandbox testing, configuration packs and optional logging.Read 15 Oct 2026 · developers.mypos.com

Plans and prices

MO/TO Virtual Terminal Free No monthly fee; per-transaction fees apply; service eligibility requires approval Read 3 Oct 2026 · mypos.com
MO/TO Virtual Terminal Free No monthly fee; transaction fees apply Requires free e-money account · eligibility approval · internet-connected computer, phone or tablet Read 15 Oct 2026 · mypos.com
Card-not-present online payments Price not published 1.30% + €0.20 per domestic/EEA consumer-card transaction; 2.50% + €0.20 Amex; 2.90% + €0.20 other cards Under €10,000 monthly turnover pricing shown · over €10,000 requires custom offer Read 15 Oct 2026 · mypos.com
MO/TO payments Price not published Online payment fee + 0.5% per transaction Card-not-present pricing · UK-issued cards treated as non-EEA Read 15 Oct 2026 · mypos.com

Every myPOS Virtual Terminal MO/TO plan and price →

Strong points and limits

Strong points

  • No software installation or extra hardware required
  • Employees can be granted payment access
  • Transactions can be tracked in real time
  • Completed payments settle immediately into the merchant account

Limits

  • Service requires eligibility approval
  • Per-transaction fees apply
  • UK fee is online payment fee plus 0.5%

Who it suits

This service suits businesses that need to accept card payments remotely by phone or email. It is conditional on myPOS confirming the business is eligible, and works on internet-connected computers, phones, or tablets.

Verdict

The Virtual Terminal is for remote card acceptance without installing software or adding hardware. Businesses should confirm eligibility and consult the full tariff breakdown for transaction costs.

Where Specifiction places it

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