GivePayments Virtual Terminal
GivePayments Virtual Terminal lets merchants take card payments in a browser for phone orders, mail orders, or invoices, without payment hardware.
What GivePayments Virtual Terminal is
GivePayments Virtual Terminal lets merchants take card payments in a browser for phone orders, mail orders, or invoices, without payment hardware. For mail-order and telephone-order transactions, merchants can enter card details and receive real-time approval or decline. When customers should enter their own details, merchants can send a hosted payment page. With consent, a card can be kept on file for repeat billing, and refunds or voids can be handled from the same terminal screen. Keyed entries receive AI fraud screening that includes AVS, CVV, velocity, pattern, and behavioral checks. Eligible commercial-card transactions can include Level 2 data such as tax amount and customer code, or Level 3 line-item data. Integrations include WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook automation. The developer API includes tokenization, hosted pages, webhooks, SDKs, recurring billing, and card and ACH processing. GivePayments says its PCI DSS Level 1 infrastructure uses tokenization and hosted pages to keep card data out of merchant systems. Pricing is on request; final rates depend on underwriting, and higher-risk accounts may have a rolling reserve.
Good
- Accepts phone, mail-order, and invoice-related card payments.
- Supports hosted payment pages and repeat billing.
- Refunds and voids are available in the terminal.
- Keyed entries receive multiple fraud checks.
- API includes card and ACH processing.
Watch out
- Pricing is on request.
- Final rates depend on underwriting factors.
- Higher-risk accounts may have a rolling reserve.
Who it suits
It is aimed at merchants in high-risk verticals that mainstream processors decline, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B. It may also suit merchants needing browser-based keyed payments, hosted payment links, or repeat billing.
Verdict
GivePayments Virtual Terminal combines keyed payments, hosted pages, and repeat-billing options in a browser-based service. Merchants should account for underwriting-based rates and the possibility of a rolling reserve.
Plans and prices
From GivePayments Virtual Terminal's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Travel & tour operators | Priced on request | Advance-booking models supported · discount rate + per-transaction fee |
| SaaS, courses, fitness, pet, moving, retail, property | Priced on request | Standard mid-risk band · discount rate + per-transaction fee |
| B2B, invoicing & pay-by-link | Priced on request | Level 2/3 data can lower interchange · discount rate + per-transaction fee |
| Subscription & continuity billing | Priced on request | Dunning + account-updater included · discount rate + per-transaction fee |
| Nutraceuticals & supplements | Priced on request | Continuity-billing ready · FTC-compliant offers · discount rate + per-transaction fee |
| Peptides, GLP-1 & telehealth | Priced on request | Reserve typically 10–15% · LegitScript required for GLP-1/Rx models · discount rate + per-transaction fee |
| Dropshipping & high-risk e-commerce | Priced on request | Depends on fulfillment model and dispute rate · discount rate + per-transaction fee |
| Ticket brokers & event resale | Priced on request | Advance-sale exposure factored in · discount rate + per-transaction fee |
| Tobacco & vape | Priced on request | Age-verification required · discount rate + per-transaction fee |
| High-ticket coaching & info-products | Priced on request | May carry a reserve · FTC earnings-claim review · discount rate + per-transaction fee |
The facts
Each one read from GivePayments Virtual Terminal's own pages, with the date it was checked.
What it does
- B2B data
- Eligible commercial-card transactions can include Level 2 data such as tax amount and customer code and Level 3 line-item data.checked 1 Oct 2026
- Compliance
- Before boarding, GivePayments reviews licensing, certifications, KYC/AML procedures, card-network rules, KYB, beneficial ownership, and OFAC and PEP screening.checked 1 Oct 2026
- Core function
- The virtual terminal turns any browser into a secure payment terminal for card payments by phone, mail order, or invoice without hardware.checked 1 Oct 2026
- Developer API
- The API provides tokenization, hosted payment pages, webhooks, SDKs, recurring billing, and card and ACH processing.checked 1 Oct 2026
- Fraud controls
- Every keyed entry is screened with AI fraud screening, AVS, CVV, velocity, pattern, and behavioral checks.checked 1 Oct 2026
- Integrations
- GivePayments connects with WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook-based automation.checked 1 Oct 2026
- Invoice links
- Merchants can send a hosted payment page when customers should enter their own card details.checked 1 Oct 2026
- MOTO payments
- It supports mail-order and telephone-order payments with real-time approval or decline.checked 1 Oct 2026
- Notable limit
- The final processing rate is set by underwriting based on vertical, volume, average ticket, and chargeback history, and higher-risk accounts may carry a rolling reserve.checked 1 Oct 2026
- Refunds and voids
- Refunds and voids can be run from the same virtual-terminal screen.checked 1 Oct 2026
- Security
- GivePayments says it operates on PCI DSS Level 1 infrastructure, with tokenization and hosted pages that keep card data out of merchant systems.checked 1 Oct 2026
- Stored cards
- With consent, merchants can keep a card on file for customers they bill repeatedly.checked 1 Oct 2026
- Support
- GivePayments says it provides US-based support for American merchants on domestic, USD-settling accounts.checked 1 Oct 2026
- Target customers
- The processor is built for high-risk verticals that mainstream processors decline, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B.checked 1 Oct 2026
The company
- Headquarters
- Phoenix, Arizona, United Stateschecked 28 Sep 2026
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