Fluid Pay Virtual Terminal
Fluid Pay Virtual Terminal is a browser-based tool for processing card and ACH payments, with transaction search, refunds, reconciliation, and batching.
What Fluid Pay Virtual Terminal is
Fluid Pay Virtual Terminal is a browser-based tool for processing card and ACH payments, with transaction search, refunds, reconciliation, and batching. It is designed for mail-order and phone-order merchants, call-center and accounts-receivable teams, and off-site sellers. Card and ACH payments share a form, customer record, and reporting flow. During a transaction, users can change processors, apply discounts, adjust shipping or tax, or split a sale between two payment methods. The form can save billing and shipping addresses, add a customer to Customer Vault, and include catalog products or custom line items. Branded email receipts and custom fields for details such as purchase-order numbers are also supported. Fluid Pay says Customer Vault tokenizes card and ACH data and that merchants’ PCI scope drops to SAQ A in most cases; the company identifies itself as a PCI DSS Level 1 service provider. The product pairs with Customer Vault, Recurring Billing, and Reporting. Pricing is available by contacting Fluid Pay; the company does not board merchants directly.
Good
- Accepts card and ACH payments in one form
- Supports refunds, reconciliation, and batching
- Can save customer addresses and records
- Branded receipts and itemized line items
Watch out
- Pricing is available by request
- Fluid Pay does not board merchants directly
Who it suits
It suits merchants and teams handling card or ACH orders by mail, phone, or off-site, particularly when they need transaction and customer-record tools in a browser. Businesses should note that they need to work through Fluid Pay partners rather than board directly with the company.
Verdict
The terminal brings card and ACH processing, transaction handling, and customer records into one browser-based workflow. Prospective customers must contact Fluid Pay for pricing and use its partner channel.
Plans and prices
From Fluid Pay Virtual Terminal's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Fluid Pay Virtual Terminal | Priced on request | Pricing not listed; contact Fluid Pay for details |
The facts
Each one read from Fluid Pay Virtual Terminal's own pages, with the date it was checked.
What it does
- API tools
- The developer documentation provides a sandbox for testing integrations without processing real money.checked 8 Oct 2026
- Availability
- The product page says the virtual terminal works from any browser, from anywhere.checked 8 Oct 2026
- Customer records
- The form can save billing and shipping addresses to a customer record, and a transaction can add the customer to Customer Vault at the same time.checked 8 Oct 2026
- Custom fields
- Custom fields such as purchase-order numbers and work-order IDs can flow into reporting automatically.checked 8 Oct 2026
- Designed for
- Fluid Pay describes it as suited to mail and phone order merchants, call center and accounts receivable teams, and off site sales.checked 8 Oct 2026
- Integrations
- Fluid Pay documentation lists REST APIs for transactions, refunds, recurring billing, invoices, batches, customer vault, custom fields, and webhooks.checked 8 Oct 2026
- Intended users
- It is built for mail-order and phone-order merchants, call-center and accounts-receivable teams, and off-site sellers.checked 8 Oct 2026
- Payment methods
- Card and ACH payments appear on the same form, share a customer record, and feed into the same reporting.checked 8 Oct 2026
- Pricing
- The virtual terminal page directs prospective customers to contact Fluid Pay; the company's white-label gateway pricing page describes a one-time activation fee and a monthly platform fee but gives no amounts.checked 8 Oct 2026
- Purpose
- The virtual terminal accepts card and ACH payments from any browser and provides transaction search, refunds, reconciliation, and batching.checked 8 Oct 2026
- Receipts and catalog
- Users can email branded receipts and add catalog products or ad-hoc line items to a transaction for itemized receipts and reporting.checked 8 Oct 2026
- Receipts and split payments
- The terminal supports one click branded email receipts and dividing a sale across two payment methods.checked 8 Oct 2026
- Related products
- The virtual terminal pairs natively with Customer Vault, Recurring Billing, and Reporting.checked 8 Oct 2026
- Security and compliance
- Fluid Pay identifies itself as a PCI DSS Level 1 Service Provider, and says its Customer Vault tokenizes card and ACH data across gateway products.checked 8 Oct 2026
- Support
- Fluid Pay lists [email protected] for existing partners and merchants and says engineers triage support tickets directly.checked 8 Oct 2026
- Transaction tools
- Users can switch processors, add discounts, override shipping or tax, and split a sale across two payment methods.checked 8 Oct 2026
- Transaction workflow
- Users can add custom fields, save billing and shipping addresses, and override processor, discount, shipping, or tax details per transaction.checked 8 Oct 2026
- Unified payments
- Card and ACH payment fields share one form, customer record, and reporting flow.checked 8 Oct 2026
- Vault and catalog
- Users can add a customer to Customer Vault while processing a transaction and search the product catalog or add ad hoc line items.checked 8 Oct 2026
- Vault and PCI
- Fluid Pay says Customer Vault stores card and ACH data within Fluid Pay and that merchants' PCI scope drops to SAQ A in most cases; Fluid Pay identifies itself as a PCI DSS Level 1 service provider.checked 8 Oct 2026
The company
- Company
- Fluid Pay says it was founded in 2017 and is a partner-only payment gateway; its listed address is 725 Cool Springs Blvd., Ste 440, Franklin, TN 37067.checked 8 Oct 2026
- Company and sales model
- Fluid Pay says it was founded in 2017, serves ISOs, agent groups, and ISVs through partners, and does not board merchants directly.checked 8 Oct 2026
- Founded
- 2017checked 28 Sep 2026
- Headquarters
- Franklin, Tennessee, United Stateschecked 28 Sep 2026
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