Offline Payments

Take payments with a virtual payments terminal

Virtual Terminal

Offline Payments

Taking card payments using a virtual terminal is a convenient way for businesses to process transactions without needing a physical card reader. Virtual terminals are typically web-based applications  that allow you to manually enter payment details and process transactions.



Using a virtual terminal to take card payments is a flexible solution for businesses that need to process transactions without a physical card reader. By choosing CardPayGO for your offline payments  and following the steps outlined, you can efficiently and securely handle payments, enhancing your business’s capability to serve customers who prefer card payments.



Best Practices for Using a Virtual Terminal


  • Security: Always ensure your internet connection is secure when accessing the virtual terminal. Use strong passwords and enable two-factor authentication (2FA) on your account.
  • Compliance: Ensure that your use of the virtual terminal complies with PCI DSS standards to protect cardholder data.
  • Verification: For higher-risk transactions, consider additional verification steps, such as contacting the customer directly or requiring further identification.
  • Regular Audits: Periodically review your transaction records and settings to ensure everything is functioning correctly and securely.

Once your account is set up and approved, log in to the PSP’s dashboard and navigate to the virtual terminal feature.

  1. Enter Payment Details

    • In the virtual terminal interface, you’ll need to manually enter the customer’s payment details, including:
      • Cardholder Name: The name as it appears on the card.
      • Card Number: The 16-digit card number.
      • Expiration Date: The card’s expiration month and year.
      • CVV/CVC: The three or four-digit security code found on the back of the card.
      • Billing Address: The customer’s billing address, including ZIP/postal code (some virtual terminals may require this for additional security).
    • Input the amount to be charged and any additional information such as an invoice number or description of the goods/services.
  • Review the entered information for accuracy and click on the button to process the payment (e.g., “Submit,” “Process Payment”).
    • After processing, you’ll receive a confirmation indicating whether the transaction was approved or declined. If approved, a receipt can often be printed or emailed to the customer.
      • Ensure you keep a record of the transaction for your bookkeeping and reconciliation purposes. Most virtual terminals provide a transaction history feature for easy tracking.

    Powerful Features

    All of thefeaturesyou need...

    We provide a complete omni-channel payment solution with a fully integrated payment hub to enable you to manage your payments from a single platform.

    PDQ Transactions

    For any face-to-face card transaction, a PDQ device is required in order to authenticate the transaction using the cardholders PIN. CardPayGo is able to supply a wide range of PDQ terminal devices.

    Direct Integration

    With direct integration, your website (complete with SSL certificate) payment pages capture the cardholders personal and credit card details and then forwards these behind the scenes to the secure CardPayGo Payment Gateway.

    Hosted Form

    In order to make the Hosted Form process a little more seamless for the cardholder, we are able to fully customise the payment page. Either the merchant can supply us with full CSS design or we can simply apply a customised header and footer with your company logo to the page

    Payment Modules

    To help our merchants integrate with our Payment Gateway we have taken the time to create plugins for various systems, these are provided as is under a GPL licence.

    Fraud Management

    Customisable fraud management tools that provide the Merchant with the ability to dictate the levels to which the Merchant’s account will automatically check transaction authenticity.

    Mobile Apps

    With mobile technology and applications becoming more popular and part of everyday commerce, CardPayGo have embraced m-commerce and have the ability to process payments across these devices

    24/7 Customer Service

    The best customer support, always ready to assist...

    Our Business Support Team are on hand all year round, everyday to assist our merchants with technical support to ensure you are always one step ahead…

    We will usually need some details about the business and the owners. 

    Once your account is  approved we will provide a dedicated Business Support Assistant to get you set up.

    We have a team of technical experts that will be able to resolve any support requirements promptly.

    Global Payment

    We provide global payment solutions to over 128 countries. Our payment support teams have local knowledge on how to get the best out of your ecommerce strategy helping you to increase your sales.


    CardPayGo offers the most advanced and secure Level 1 PCI:DSS compliant online payment processing to thousands of merchants and in turn millions of cardholders.

    Merchant Account

    Our Online Payment Gateway is highly flexible and can be integrated easily into numerous shopping cart systems. From startups to global corporations and charities

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