Take phone, keyed, invoice, deposit, and remote payments without a physical checkout counter
SecureTrust helps businesses accept payments when the customer is not standing in front of a Clover device. A virtual terminal can support phone payments, keyed transactions, invoices, deposits, service balances, back-office payments, and other remote-payment workflows.
Because card-not-present activity can be priced differently by many processors, SecureTrust focuses on making the full cost easier to understand with our published 2.00% + 3¢ standard processing structure for approved merchant accounts.
Serving businesses across Florida, with sales representatives in New York and additional expanding markets.
Per transaction for approved SecureTrust merchant accounts.
Gateway, software, equipment, and other optional or account-specific charges may apply depending on the selected setup. Card-brand assessments are not added separately on top of SecureTrust standard 2.00% + 3¢ processing.
Phone and keyed payments
Accept card information through an authorized back-office workflow when the customer is paying by phone or remotely.
Invoices and deposits
Collect deposits, balances, invoice payments, service payments, reservations, and other amounts without requiring the customer at a physical POS.
Gateway and payment-link workflows
Connect remote payment activity with payment links, hosted checkout, reporting, receipts, and other gateway tools.
Why keyed and remote payment pricing can become confusing
Many processors treat keyed and card-not-present transactions differently from chip or tap payments. The actual cost can depend on card type, transaction method, rewards level, gateway charges, monthly fees, and other account-level costs.
Do not compare a virtual terminal by one advertised keyed rate
A processor can advertise an attractive keyed or gateway rate while the merchant’s real cost is affected by transaction fees, gateway fees, monthly charges, card mix, and other account costs.
SecureTrust can review the current statement and compare the total effective cost against our published 2.00% + 3¢ standard structure.
When a virtual terminal makes sense
Virtual terminals are useful when the customer does not pay at a physical POS device or when staff need a controlled back-office way to accept and track payments.
Virtual terminal vs payment gateway vs Clover POS
| Tool | Best fit | What to review |
|---|---|---|
| Virtual terminal | Phone, keyed, deposit, invoice, and back-office payments | User permissions, keyed activity, receipts, reporting, gateway fees, and transaction controls |
| Payment gateway | Online checkout, hosted pages, payment links, invoices, and remote customer payments | Gateway fees, website workflow, payment status, receipt flow, integrations, and reporting |
| Clover POS | In-person checkout, counter payments, mobile checkout, tips, receipts, and customer-facing payments | Device fit, staff workflow, customer-facing screen, reporting, and payment-program setup |
Related pages: payment gateway setup, Clover POS, and merchant services.
Virtual terminal setup and control checklist
Remote payments should be configured with clear staff controls and repeatable procedures.
Your agent stays involved after the virtual terminal goes live
SecureTrust agents remain involved with the merchant relationship, giving the business a continuing point of contact for statement questions, virtual terminal setup, gateway workflows, payment questions, and support.
Businesses that often use virtual terminals
Service businesses
Collect deposits, phone payments, invoice payments, final balances, and customer payments after work is completed.
Professional offices
Accept phone payments, invoice payments, office payments, and controlled back-office customer transactions.
Auto and repair businesses
Collect deposits, service invoices, parts payments, repair balances, phone payments, and remote customer payments.
Contractors
Accept project deposits, progress payments, invoice payments, and balances after service or installation.
B2B companies
Support account payments, invoice payments, keyed transactions, and payment-link workflows.
Reservations and hospitality
Review deposits, reservation balances, remote payments, and receipt delivery through an approved workflow.
Virtual terminal questions
What is a virtual terminal?
A virtual terminal is a payment tool that allows an authorized user to enter payment information without a physical card reader. It is commonly used for phone payments, keyed transactions, deposits, invoices, and remote customer payments.
What is SecureTrust standard pricing for virtual terminal transactions?
SecureTrust standard processing is 2.00% + 3¢ per transaction for approved SecureTrust merchant accounts, plus a $25 monthly platform fee. Gateway, software, equipment, and other optional or account-specific charges may apply. Card-brand assessments are not added separately on top of SecureTrust standard 2.00% + 3¢ processing.
Why can keyed or remote payment costs be confusing with other processors?
Keyed and card-not-present transactions may be priced differently by some processors, and the final cost can depend on card type, transaction method, gateway fees, and account-level charges. The better comparison is the total effective cost.
Can a virtual terminal work with a payment gateway?
Yes. Depending on the setup, a virtual terminal can be part of a payment gateway, invoicing, payment-link, hosted checkout, or other remote-payment workflow.
Can SecureTrust review my virtual terminal fees?
Yes. SecureTrust can review keyed transaction activity, gateway costs, virtual terminal fees, monthly fees, transaction volume, average ticket, and payment workflow before recommending a setup.
Do SecureTrust merchants get a dedicated agent?
Yes. SecureTrust merchant accounts receive ongoing support from a dedicated agent who can help with virtual terminal setup, statement reviews, payment questions, gateway workflows, and support after activation.
Want to compare your current virtual terminal costs?
Send SecureTrust your current statement. We can review keyed activity, gateway fees, monthly charges, transaction volume, average ticket, and payment workflow against our published processing structure.