Virtual Terminal for Card-Not-Present Payments
Key in a payment from any browser. Midcove's virtual terminal payment processing screen gives your team a fast, secure way to run MOTO and phone-order transactions on the MID you already have.
No card reader. No new hardware. Just a screen.
Not every sale happens at a checkout page. When a customer calls in, mails an order, or needs a subscription updated, your team needs a fast way to key in a card by hand — securely, and without leaving your existing gateway.
- Built for MOTO and phone-order payments, plus invoice and subscription updates.
- AVS and CVV verification run on every keyed transaction.
- Runs on your boarded MID — NMI, Authorize.Net, Stripe, or PayPal.
- No physical terminal or card reader required — works from any browser.
Built for call centers and back offices
- Agents key card details while a customer is on the phone.
- Back-office staff process mailed-in orders and manual invoices.
- Update a card on file for a recurring subscription in seconds.
From keyed entry to approval in three steps
Open the terminal
Log in and select the MID you want to process the transaction on.
Key in the payment
Enter the card number, amount, and billing details. AVS and CVV checks run automatically.
Get an instant result
See the approval or decline immediately, with the transaction logged to your history.
Virtual terminal questions
What is a virtual terminal?
A virtual terminal is a secure web screen that lets your staff key in a customer's card details manually, without a physical card reader. It's built for phone orders, mail orders, and other card-not-present payments.
Can I use it for phone orders?
Yes. The virtual terminal is designed for MOTO (mail order/telephone order) use cases, so agents can enter card details while on a call and process the sale in seconds.
Does it work with my gateway?
Midcove's virtual terminal works with the MID you already have boarded through NMI, Authorize.Net, Stripe, or PayPal. There's no need to open a new merchant account.
Is it PCI compliant?
Yes. The virtual terminal runs over an encrypted connection and never stores raw card data outside your gateway's PCI DSS aligned environment.
Start keying in payments today
One secure screen for every phone, mail, and manual card payment.