myPOS Virtual Terminal MO/TO
myPOS Virtual Terminal MO/TO lets businesses accept card payments from customers by phone or email.
What myPOS Virtual Terminal MO/TO is
myPOS Virtual Terminal MO/TO lets businesses accept card payments from customers by phone or email. It works on a computer, phone or tablet with an internet connection and requires no installation, complex integration, or additional software or hardware. Businesses can grant employees access to take payments and track transactions in real time from any location through the myPOS Mobile app. The product page says completed payments are settled immediately into the myPOS merchant account. Businesses apply from their myPOS merchant account, and myPOS confirms eligibility. The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction; the plan has no monthly fee, but transaction fees apply. Its displayed tariff table is a summary linked to a fuller breakdown. The product page says customer card information cannot be accessed once a transaction is completed. The UK pricing page lists 24/7 customer support as free.
Good
- Works on computers, phones and tablets with internet.
- Requires no installation or additional hardware.
- Employees can be granted payment access.
- Transactions can be tracked in real time.
- Completed payments settle immediately, according to the product page.
Watch out
- Service eligibility requires myPOS approval.
- Fees include the online payment fee plus 0.5% per transaction.
- Pricing table is a summary linked to a fuller tariff.
Who it suits
It suits businesses that need to take card payments remotely by phone or email. It is available to businesses only if myPOS confirms their eligibility.
Verdict
The virtual terminal is designed for remote card payments without installing software or adding hardware. Businesses should check eligibility and the full tariff breakdown before applying.
Plans and prices
From myPOS Virtual Terminal MO/TO's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| MO/TO Virtual Terminal | Free | Requires free e-money account · eligibility approval · internet-connected computer, phone or tablet · No monthly fee; transaction fees apply |
| Card-not-present online payments | — | Under €10,000 monthly turnover pricing shown · over €10,000 requires custom offer · 1.30% + €0.20 per domestic/EEA consumer-card transaction; 2.50% + €0.20 Amex; 2.90% + €0.20 other cards |
| MO/TO payments | — | Card-not-present pricing · UK-issued cards treated as non-EEA · Online payment fee + 0.5% per transaction |
The facts
Each one read from myPOS Virtual Terminal MO/TO's own pages, with the date it was checked.
What it does
- API capabilities
- The API catalogue includes Checkout, Payment, PSD2 open banking and Cash Register Remote APIs with purchase, refund, preauthorization, webhooks and remote fiscal receipt functions.checked 15 Oct 2026
- Customer-card retention
- The product page states that customer card information cannot be accessed after a transaction is completed.checked 15 Oct 2026
- Developer documentation
- The portal provides getting-started guides, sandbox and test-card instructions, API references, troubleshooting and migration guidance.checked 15 Oct 2026
- Eligibility
- Businesses apply from the myPOS merchant account, and myPOS confirms whether the business is eligible for the service.checked 3 Oct 2026
- Employee access
- Merchants can grant specific employees access to take payments.checked 15 Oct 2026
- Hosted checkout security
- The eCommerce API says hosted checkout keeps card data off the merchant server and provides PCI compliance out of the box.checked 15 Oct 2026
- Installation
- The virtual terminal requires no software installation, extra hardware or complex integration.checked 15 Oct 2026
- Integration requirements
- The online integration guide requires public-IP requests, PHP 5.4.8 or later for its PHP SDK, and an HTTPS URL_Notify endpoint returning HTTP 200 with body OK.checked 15 Oct 2026
- Licence status
- The reviewed developer and GitHub pages expose SDK source and usage instructions but do not identify an open-source licence or self-hosting option.checked 15 Oct 2026
- Limit: customer support
- Trustpilot’s summary notes that some users found support difficult to reach or unresponsive during urgent account problems.checked 15 Oct 2026
- Limit: fees
- Trustpilot’s review summary reports complaints about unexpected transaction charges and monthly rental fees being taken earlier than expected.checked 15 Oct 2026
- .NET SDK
- The public .NET SDK integrates myPOS terminals over USB, supports payments, refunds, receipt printing and terminal management, and requires .NET Framework 4.5.2 or newer.checked 15 Oct 2026
- Node.js SDK
- myPOS publishes a Node.js package installable as @mypos-ltd/mypos with Checkout, transaction, device and webhook methods.checked 15 Oct 2026
Where it runs
- Application process
- Activation requires logging into the merchant account, applying under Take payments, and passing an eligibility review.checked 15 Oct 2026
- Device access
- It works on a computer, phone or tablet with an internet connection.checked 3 Oct 2026
- Device coverage
- The virtual terminal is advertised for computers, phones and tablets, requiring only an internet connection.checked 15 Oct 2026
- Limit: app pricing complaint
- A recent Google Play review complains that fees had risen to almost 3% per transaction.checked 15 Oct 2026
The company
- Company headquarters
- Crunchbase lists London, England, United Kingdom as the headquarters.checked 15 Oct 2026
- Company history
- myPOS says its idea began in 2012 and that it was presented at Mobile World Congress in 2014 as a platform offering instant payouts.checked 3 Oct 2026
- Company legal name
- Crunchbase lists the legal name as myPOS World Ltd., also known as myPOS Europe Ltd.checked 15 Oct 2026
- Company origin
- myPOS says its idea began in 2012 and that the platform launched publicly at Mobile World Congress in 2014.checked 15 Oct 2026
- Company scale
- myPOS reported a 600-person international team for its 2024 tenth-anniversary celebration.checked 15 Oct 2026
- Founded
- 2012checked 28 Sep 2026
- Headquarters
- The company story says London was the company's headquarters in 2017.checked 3 Oct 2026
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