Looking to take payments over the phone?
Rvvup’s Pay by Card offers a Virtual Terminal feature in the Rvvup Dashboard that allows you to accept debit and credit card transactions over the phone.
What is a Virtual Terminal?
A Virtual Terminal is an online version of a physical credit card terminal. It is sometimes referred to as a “MOTO (mail order/telephone order) transaction” as it allows you to enter debit or credit card information directly into a web-based system to process a transaction without the customer’s physical card present for the sale.
Virtual Terminal vs Payment Links
Both Virtual Terminal and Payment Links allow you to take a payment from a customer directly (outside of a traditional online checkout) but there are a few differences.
Virtual Terminal is a customary way to create a payment on behalf of a customer, usually by taking their credit or debit card information over the phone. This allows you to quickly and easily take a payment, but given that the customer is not present, it doesn’t allow you to run 3D Secure and could expand your PCI compliance requirements.
Payment Links are a new take on manual payments that allow you to create a custom link that you send to your customer. When your customer clicks the link, they’ll be asked to complete the payment process on their own device (mobile phone or computer). This allows them to choose their payment method and securely enter their sensitive information, all while taking advantage of additional fraud protection and limiting your PCI burden.
ℹ️ How to enable Virtual Terminal
If you are interested in using, please contact us at support@rvvup.com. Our team will help you get activated and answer any questions you have along the way.
ℹ️ How to Create a Transaction using Virtual Terminal
- Log in to the Rvvup Dashboard
- Select Payments from the menu on the left-side
- Click on the Virtual Terminal button in the upper right corner
- Enter in the Amount and Card Details. Option Fields are Reference (The reference field is visible to you in the Rvvup Dashboard and to your customer in their email confirmation) and Billing Address
- Click Submit
🧾 Virtual Terminal Refunds
Refunds for Pay by Card payments taken through Virtual Terminal can be issued right from your Rvvup Dashboard.
Check out our Issuing a Refund guide for a detailed walk through!
💬 FAQs
What do I do if the Virtual Terminal button is disabled?
Virtual Terminal is only available for use with Rvvup’s Pay by Card. If the Virtual Terminal button is disabled in your Rvvup Dashboard, send us an email and we’ll help get you set up with Pay by Card & Virtual Terminal.
Who can create Virtual Terminal payments in my Rvvup Dashboard?
Every user in your Rvvup Dashboard will have access to collect new payments using Virtual Terminal. You can read more about creating & managing users in this support article.
How can turn on Virtual Terminal in my Rvvup Dashboard?
Send our support team an email at support@rvvup.com and we’d be happy to help get set up to use Virtual Terminal.
Virtual Terminal Data
For Virtual Terminal transactions, each bank has its own set of rules and rankings for data points e.g. 3DS, CVV, expiry date, location, address, blacklist databases, behaviour patterns etc when accepting payments. Where applicable and available, Rvvup will surface this information within the Rvvup Dashboard.
Does 3DS work on Virtual Terminal transactions?
Short answer: No. Virtual Terminal transactions, although convenient, carry inherent fraud risks, with the most prevalent being the use of stolen credit card information to place fraudulent orders. While 3D Secure offers an additional layer of authentication for Card Not Present (CNP) transactions and can shift liability for chargebacks during online transactions, this benefit does not typically extend to Virtual Terminal transactions.
- If a Card Not Present (CNP) transaction is disputed or fraudulent activity is detected after a Virtual Terminal transaction, the liability shift that protects merchants in online environments does not apply because Virtual Terminal payments don't pass through authentication.
- As you can't confirm the identity of your customer for orders received by mail or over the phone, merchants handling Virtual Terminal transactions may end up being responsible for financial losses resulting from chargebacks, even if 3D Secure is in place for other types of transactions.
An alternative option is to use Payment Links.