STEPpay Virtual Terminal
STEPpay Virtual Terminal is Coalesce Solutions’ cloud payment system for browser-based online checkout.
What STEPpay Virtual Terminal is
STEPpay Virtual Terminal is Coalesce Solutions’ cloud payment system for browser-based online checkout. It processes credit card and ACH transactions, including one-time charges and recurring schedules. Supported card networks are Visa, MasterCard, American Express, and Discover. Payment operations include refunds, reversals, custom transaction fields, end-of-day batch settlements, and searches through historical transactions. Standard and customizable reporting are available. Merchant-defined rules route transactions to merchant accounts, and one gateway can transact with multiple acquiring banks and merchant accounts. The system lists STEPpay JSON API and legacy SOAP API endpoints, with an integration testing environment and development partner program available from Coalesce. Coalesce describes tokenization that keeps card and banking information in its vault rather than exposing card data to merchants. It says STEPpay is QSA validated as a PCI DSS 4.0.1 Level 1 Service Provider and tested annually against standards including HIPAA. Its payment solutions are built on AWS. Pricing is available on request.
Good
- Processes credit card and ACH transactions
- Supports one-time and recurring payment schedules
- Offers refunds, reversals, and batch settlements
- Provides standard and customizable reporting
- Lists JSON and legacy SOAP APIs
Watch out
- Pricing is available only on request
- The SOAP endpoint is described as legacy
- Access is provided through browser and API platforms
Who it suits
STEPpay suits organizations needing browser-based card and ACH checkout with recurring billing, reporting, routing rules, and integration options. It is intended for businesses managing merchant accounts and payment operations.
Verdict
STEPpay provides checkout processing with recurring payments, operational controls, routing, reports, and API connectivity. Its pricing requires contacting Coalesce, so organizations should request details before planning adoption.
The facts
Each one read from STEPpay Virtual Terminal's own pages, with the date it was checked.
What it does
- API
- The STEPpay system status page lists STEPpay JSON API and legacy SOAP API endpoints.checked 8 Oct 2026
- Card networks
- The virtual terminal lists Visa, MasterCard, American Express, and Discover.checked 8 Oct 2026
- Cards
- The product names Visa, MasterCard, American Express, and Discover as supported card networks.checked 8 Oct 2026
- Compliance
- The maker says STEPpay is QSA validated as a PCI DSS 4.0.1 Level 1 Service Provider and states it tests annually against standards including HIPAA.checked 8 Oct 2026
- Infrastructure
- The maker says its payment solutions are built on AWS.checked 8 Oct 2026
- Integration
- Coalesce offers a developer integration testing environment and invites organizations to ask about its STEPpay development and integration partner program.checked 8 Oct 2026
- Integrations
- STEPpay is designed to route transactions to merchant accounts using merchant-defined rules, and the page offers a development and integration partner program.checked 8 Oct 2026
- Payment methods
- The terminal supports credit card and ACH transactions.checked 8 Oct 2026
- Payments
- Users can set up and process one-time or recurring payments through the terminal.checked 8 Oct 2026
- Product
- STEPpay Virtual Terminal is a cloud-based payment system for fast, secure online checkout.checked 8 Oct 2026
- Purpose
- STEPpay Virtual Terminal is a cloud-based payment system for online checkout.checked 8 Oct 2026
- Recurring payments
- Users can set up and process one-time or recurring payments and schedules.checked 8 Oct 2026
- Reporting
- The product provides standard and customizable reporting options.checked 8 Oct 2026
- Routing and scale
- Merchant-defined rules route transactions, and one gateway can transact with multiple acquiring banks and merchant accounts.checked 8 Oct 2026
- Security
- The maker describes tokenization that keeps card and banking information in its vault and says card data is not exposed to merchants.checked 8 Oct 2026
- Status visibility
- A system status page reports on the virtual terminal, reporting and analytics, servers, API endpoints, notification services, and third-party services, including historical uptime.checked 8 Oct 2026
- Support
- Coalesce lists [email protected] as its support contact.checked 8 Oct 2026
- Terminal features
- STEPpay supports refunds, reversals, recurring schedules, custom transaction fields, end-of-day batch settlements, and historical transaction searches.checked 8 Oct 2026
The company
- Company history
- Coalesce says it has delivered technology solutions since 2008.checked 8 Oct 2026
- Founded
- 2008checked 28 Sep 2026
- Headquarters
- Coalesce says it is headquartered in Memphis, Tennessee.checked 8 Oct 2026
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