Virtual terminal cost calculator
Compare what taking phone and email payments costs with a virtual terminal and with payment links: the monthly fee, the charge on each payment and the effective rate on your takings. Free, no sign-up, nothing leaves your browser.
Use the prices you have been quoted; the starting figures are only an example. Keyed-in phone payments often cost more than other card payments, so check the rate for those specifically.
How a virtual terminal works
A virtual terminal is a web page from your card provider where staff key in the customer's card details. It suits businesses that take many phone orders, such as hotels, but staff hear and type every card number, so you have to keep those details safe under the card industry's security rules.
How a payment link works
A payment link is a secure page you send by text, email or WhatsApp. The customer opens it on their phone and pays with their own card, so the card number never passes through you or your staff. The same link works for a customer in the shop, on the phone or on the other side of the world.
Offer payment links to your own customers
SendPay Business does not sell virtual terminals. Its platforms include payment links and invoicing, so if you run your own payments app, every business on it can send a link and get paid without handling a card number.