Cashflows Virtual Terminal
Cashflows Virtual Terminal is a browser-based tool for taking card payments by phone through a Cashflows Portal account.
What Cashflows Virtual Terminal is
Cashflows Virtual Terminal is a browser-based tool for taking card payments by phone through a Cashflows Portal account. It handles mail-order and telephone MOTO payments and accepts Visa, Mastercard, and American Express. Businesses can also create payment links so customers pay later; Cashflows says these links use Strong Customer Authentication and are more secure than phone-based MOTO payments. The terminal works anywhere with an internet connection and browser, is mobile optimised, and requires no setup, integration, or additional hardware. Cashflows places no limit on users, and businesses can choose which fields are shown and whether they are mandatory or optional. Listed functions include refunds, invoices, customer records, and multiple currencies, with cards as the payment method. Cashflows says it is PCI DSS Level 1 certified and encrypts transaction and cardholder information in transit. Developer documentation covers Shopify Hosted Checkout Pages and a WooCommerce plugin. Pricing is on request; office and specialist support have separate published hours.
Good
- Supports phone-based MOTO payments
- Payment links with Strong Customer Authentication
- No setup or integration required
- No limit on users
- Mobile-optimised browser access
Watch out
- Pricing is available on request
- Cards are the listed payment method
- Phone payments are less secure than stated payment links
- Requires internet and a browser
Who it suits
It suits multi-user operations such as health centres and central call centres that take card payments remotely. It also fits businesses wanting browser access, payment links, and no additional terminal hardware.
Verdict
Cashflows Virtual Terminal provides browser-based card acceptance with payment links, configurable fields, and multi-user access. Its security certifications and no-hardware setup are clear benefits for remote payment teams.
Plans and prices
From Cashflows Virtual Terminal's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Cashflows Virtual Terminal | Priced on request | No setup or integration · no limit on users · no additional hardware |
The facts
Each one read from Cashflows Virtual Terminal's own pages, with the date it was checked.
What it does
- Access
- The terminal can be used anywhere with an internet connection and a browser.checked 1 Oct 2026
- Card brands
- It accepts Visa, Mastercard and American Express over the phone.checked 1 Oct 2026
- Customisation
- Businesses can customise which Virtual Terminal fields are displayed and whether they are mandatory or optional.checked 1 Oct 2026
- Encryption
- Cashflows states that transaction information and cardholder information are encrypted in transit.checked 1 Oct 2026
- Hardware
- The product requires no additional hardware.checked 1 Oct 2026
- Integrations
- Cashflows developer documentation provides Shopify Hosted Checkout Pages and WooCommerce plugin integration guidance.checked 1 Oct 2026
- Mobile use
- Virtual Terminal is mobile optimised and accessible from any device.checked 1 Oct 2026
- Payment links
- Virtual Terminal can create payment links that customers follow to pay at their convenience.checked 1 Oct 2026
- Payment types
- The browser-based terminal supports mail-order and telephone MOTO payments.checked 1 Oct 2026
- Purpose
- Virtual Terminal is accessed through a Cashflows Portal account to take payments by phone.checked 1 Oct 2026
- Security
- Cashflows is PCI DSS Level 1 certified, described as the highest level of card data security.checked 1 Oct 2026
- Setup
- Cashflows states that Virtual Terminal requires no setup and no integration.checked 1 Oct 2026
- Strong authentication
- Cashflows says payment links use Strong Customer Authentication and are more secure than MOTO payments over the phone.checked 1 Oct 2026
- Support
- Cashflows lists office hours of 09:00–17:00 UK time Monday–Friday and specialist card-terminal support from 08:00–23:00 Monday–Saturday and 10:00–17:00 Sunday.checked 1 Oct 2026
- Target users
- Cashflows describes the multi-user terminal as ideal for health centres and central call centres.checked 1 Oct 2026
- Users
- Cashflows states there is no limit on users.checked 1 Oct 2026
The company
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
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