Accept payments online with Virtual Terminal

Don’t have a Clover® device or away from it and don’t want to miss a sale? Clover Virtual Terminal gives you the flexibility and convenience of processing payments – and, refunds – wherever you happen to be. Log into your Clover Web Dashboard from a smartphone, tablet, or computer and you’re ready for business anytime, anywhere.

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Convenient

Take credit and debit card payments without a Clover device.

Safe & secure

Our online Virtual Terminal helps keep your payment environment PCI compliant and secure with end-to-end encryption.

Worry‑free

No additional monthly fees when using our Virtual Terminal. Transactions are charged at the keyed-in rate.

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Run your business from anywhere

Accept credit and debit card payments directly on any computer, tablet, or smartphone.
Request customer payments by email and allow customers to pay you by credit or debit card online.
Take care of all incoming payments: in-store orders, mail or telephone orders, or invoices.
Send digital receipts via email and monitor all transactions in one dashboard.
Store your regular customers' card information securely for faster transactions.
Protect against fraud with address verification service (AVS) and card verification value (CVV).

Virtual Terminal comes pre‑loaded on your dashboard

Already a Clover merchant? Simply log into your Clover Web Dashboard to fire up your virtual point of sale terminal and request or take payments.

Business benefits of using Virtual Terminal

Enables all merchantsAny business can use Virtual Terminal to securely process credit cards – from restaurants and retailers to services businesses who take payments over-the-phone or by mail.
Helps avoid payment disruptionsTechnical difficulties happen. Using a Virtual POS Terminal gives your business a backup plan in case your normal payment system is interrupted.
Supports PCI complianceCustomers trust you with their payment data. Our Virtual Terminal credit card processing solution can help shield this payment information from fraud and abuse.
Syncs seamlesslyAll Virtual Terminal payment processing transactions sync with your Clover POS devices to help ensure all sales are tracked in one place.

The right Virtual Terminal for your business

We help merchants overcome the challenges of growing a successful business. In addition to payment processing, our POS solutions can help with inventory management, employee scheduling, loyalty programs, and more. Our cloud-based point-of-sale solutions allow you to run your business anywhere, anytime.

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Peace of mind with your system

Free overnight shipping*

Once you’re approved, your system will arrive in one business day. *Online orders only.

Quick and easy set up

Set up your business and start taking payments all in the same day with the Clover Dashboard.

Consistent rates

All cards, including AMEX and rewards cards, feature the same low rates.

Help when you need it

Ready to assist you with everything from setting up to troubleshooting.

Frequently Asked Questions

What is a virtual terminal?

A virtual terminal is a web-based application that allows businesses to manually process credit card transactions online. It functions as a digital version of a physical credit card terminal, enabling merchants to input customer card information for payments.

While Clover is known for its point-of-sale (POS) hardware, it also offers the option of using its virtual terminal payment processing feature independently. This feature allows you to accept payments using a web-based interface, making it a practical solution for businesses that don’t require a full POS system but still need to process transactions securely. Whether you’re a service provider or need to accept payments remotely, Clover’s Virtual Terminal provides flexibility, convenience, and the reliability of a trusted payment processing solution.

How does using a virtual terminal benefit my business?

Using a virtual terminal offers many benefits for businesses of all types and sizes, which can include but are not limited to:

Versatility: Accept payments directly on any computer, tablet, or smartphone with an internet connection.

Flexibility: Process payments from multiple sales channels–by phone, email, and regular mail for card-not-present transactions.

Efficiency: Streamline payment processes by allowing customers to save their information for faster future transactions.

Accessibility: Access transaction history and business reporting 24/7.

How do I access and use the Clover virtual terminal?

Accessing Clover’s virtual terminal is simple and starts with creating an account. Once you have completed this first step, the following will help you locate and use the virtual terminal:

Log in: Sign into your Clover dashboard from any web browser.

Set account security preferences: Enable two-factor authentication (2FA). This will be required to issue refunds.

Navigate to the virtual terminal: Once logged in, find the “Virtual Terminal” option in the menu, and activate your location.

Enter payment details: Select the transaction type before inputting the card information, transaction amount, and required customer details.

Process payment: Click the “Charge” button to complete the transaction.

Confirmation: You’ll receive confirmation of the payment, and a receipt can be emailed to your customer, if desired.

Record transactions: The virtual terminal keeps a record of all transactions for your convenience.

To learn how to authorize transactions, issue refunds, and set employee permissions, watch the demo video here.

Is Clover’s virtual terminal secure for processing payments?

Yes. Clover’s virtual terminal credit card processing is designed with robust security features to help keep payments safe. It complies with Payment Card Industry Data Security Standard (PCI DSS) requirements to help protect sensitive payment data.

Clover uses encryption to secure payment information during transmission and tokenization to replace card data with secure tokens. Additionally, regular security updates and monitoring help safeguard against potential threats. Clover’s virtual terminal is a secure and reliable platform for processing payments, giving you and your customers peace of mind regarding data protection.

Are there any additional fees for using the virtual terminal?

No. There are no additional monthly fees when using our virtual terminal. It is already pre-loaded in your dashboard. Transactions are charged at the rate based on your payment processor and the specific terms of your service agreement with Clover. Keep in mind, hand-keyed payments in the Virtual Terminal are considered card-not-present transactions, which may have different fees and PCI requirements than card-present transactions.

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