Unleash the Ultimate Virtual Payments
Process credit cards and ACH payments online without any hardware.
Get started nowDiscover Our Device Lineup
Aurora
A powerhouse countertop station featuring a built-in cash drawer, vivid customer display, and high-speed receipt printerâideal for busy storefronts.
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Prime
Sleek, compact station with integrated cash vault and thermal printerâno customer screen, perfect for low-footprint counters.
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Voyager
Rugged, full-touch handheld terminal built for mobilityâaccept cards & NFC payments on the go with enterprise-grade security.
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X1
Ultra-light pocket terminal with tactile buttons and barcode scannerâstreamline quick-serve transactions anywhere.
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Orbit
Whisper-quiet mini display designed for simple checkout promptsâmount anywhere and run lightweight payment flows.
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Core
Robust cash drawer & screen comboâno printer needed. Ideal for pop-ups and side-stations that need fast cash access.
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Halo
Interactive self-service kiosk with large touch displayâperfect for unmanned checkout, ticketing, and info stations.
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32-Pro
32âł rugged KDS screen engineered for back-of-house operationsâreal-time order routing and status updates.
Learn MoreMerchant services awards recognize companies that excel in providing payment processing solutions and services to businesses. These awards highlight innovation, customer satisfaction, and overall excellence within the merchant services industry.
Awards & Recognitions
2020
Gold for Best FinTech Solution
Stevie Awards
EBizCharge (Century Business Solutions)
2020
Bronze for Best Payment Solution
Stevie Awards
EBizCharge (Century Business Solutions)
2021
Best Payment Services & Compliance Solutions
CNP Awards
Century Business Solutions
2022
Customer Satisfaction in Merchant Services
Canstar Awards
Top-Rated Providers
2023
Outstanding Innovation in Payments
Digital Banker Global Cards & Payments Innovation Awards
Leading Payment Tech Firms
2024
Most Innovative Merchant Services
Pay360 Awards
YouLend
2024
Best Customer Facing Experience
Pay360 Awards
YouLend
2025
Merchant Acquirer of the Year (Carat OS)
Merchant Payments Ecosystem Awards
Fiserv
2025
Merchant Payment Acceptance of the Year
Merchant Payments Ecosystem Awards
Market Pay
2025
Excellence in Customer Care
ATSI Call Center Award of Distinction
Deluxe Merchant Services
Several organizationsâlike Stevie Awards, Canstar, and Merchant Payments Ecosystemâhost programs that evaluate payment processing, customer service, and technological innovation in merchant services.
Award-Winning Merchant Services
Best for Cheap
Payment Processing, 2023
Best for High-Volume
Sellers, 2025
Best for Overall
Payment Processor, 2024
Best for Small Business
2023
Best & Cheapest for Growing Businesses
2024
Best for Custom Rates
2025
Virtual Terminal
Virtual Terminal UI
Process payments from any computer or tabletâno hardware needed.
Secure Payments
Advanced encryption & real-time fraud detection keep you protected.
Enter Payment Details
Securely input card or ACH info directly into the terminal.
Authorize Transaction
Process payments instantly with PCI-compliant security.
Email Receipt
Automatically send branded receipts to your customers.
Track in Dashboard
View and manage all transactions in one unified interface.
Get Paid Faster in Four Steps
Start Your Transaction
Choose the transaction type and preferred payment method.
Add Tax
Select a preset tax rate or enter a custom percentage.
Include Details
Provide necessary info for accurate record-keeping.
Charge & Email
Charge your client and instantly email a digital receipt.
Collect Online Payments in One Place
All your transaction types and payment methodsâmanaged seamlessly from a single dashboard.
Transaction Types
Purchase
Capture funds immediately for a one-time sale.
Pre-Authorization
Place a hold on funds until you capture later.
Capture
Collect funds from a prior pre-authorization.
Refund
Return funds to your customer after a sale.
Void
Cancel a transaction before settlement.
Recurring
Automatically bill customers at scheduled intervals.
Tokenization
Securely store card data for repeat billing.
Payment Methods
Credit & Debit Cards
Visa, MasterCard, AMEX, Discoverâsupport them all.
ACH Bank Transfer
Direct bank debits for U.S. customers.
Digital Wallets
Apple Pay, Google Pay, Samsung Pay, and more.
Buy Now Pay Later
Interest-free installments at checkout.
eCheck
Electronic check payments straight from bank accounts.
QR & Contactless
Scan-to-pay with QR codes or NFC taps.
Payment Solutions Made Easy
All the tools you need to accept, protect, and reconcile paymentsâno extra cost or complexity.
Level 2/3 Interchange Optimization
Automatically optimize corporate & commercial credit card data to reduce your interchange fees by up to 30%.
Fraud Defender
AI-powered fraud prevention that blocks suspicious transactions before they hit your books.
Dispute & Chargeback Management
Streamline chargeback disputes ($15 per occurrence or free when won) and ACH reject handling with a few clicks.
More Ways to Get Paid
With one Mercury account you gain access to a suite of payment toolsâno extra fees, no extra logins.
Invoicing
Create and send fully customizable invoices and estimates to your customers in seconds.
Mobile Pay
Accept tap-to-pay, QR-code, and mobile wallet transactions on any smartphone or tablet.
Payment Links
Generate secure, shareable links to collect payments via email, chat, or social media.
Recurring Billing
Set up automated, subscription-style billing with flexible frequency and proration.
Hosted Checkout
Embed a fully-branded checkout page on your siteâno PCI-compliance headaches.
Sync your accounting seamlessly
Connect your Mercury account with leading accounting platforms and keep your books up to date automatically.
QuickBooks Online
Sync invoices, payments, and customer records directly into QuickBooks.
Connect QuickBooksNo manual exports. No missing entries. Ever.
Advanced Payment Solutions
Unlock flexible payment optionsâsubscriptions, installments, and moreâdesigned to fit your business needs.
Subscription Billing
Automate recurring payments and retain customers with flexible subscription models.
Learn MoreInstallment Plans
Break down payments into manageable installments to increase conversion and affordability.
Learn MoreOne-Time Splits
Distribute a single payment securely among multiple recipients in one seamless flow.
Learn MoreEquipment That Doesnât Break the Bank
Smart Terminal
$32/mo for 12 mo. or $349
All-in-one countertop smart terminal with touchscreen, receipt printer, and EMV.
Card Reader
$99
Portable Bluetooth card reader for magstripe, chip, and contactless payments.
Tap to Pay on iPhone
+10¢ per transaction
Turn your iPhone into a contactless terminalâno hardware needed.
Get Your Money Faster
Enjoy next-business-day deposits at no extra cost when your customers pay with credit or debit cards. No holds, no delaysâjust seamless cash flow.
Zero Fees
Next-day deposits are included free for all qualified credit & debit card payments.
Full Transparency
Know exactly when funds hit your accountâno hidden holds or surprises.
Any Card Type
From Visa to AMEX, get your funds next business dayâevery time.
Keep Track of Your Transactions
All your payment activityâpayments, refunds, invoices, quotesâat a glance.
| Date | Customer | Amount | Type | Status |
|---|---|---|---|---|
| 2025-07-30 | John Doe | $120.00 | Purchase | Completed |
| 2025-07-29 | Jane Smith | -$45.00 | Refund | Issued |
| 2025-07-28 | Acme Co. | $250.00 | Pre-authorization | Held |
| 2025-07-27 | Foo Bar | $75.50 | Invoice | Sent |
| 2025-07-26 | Baz Inc. | $300.00 | Quote | Accepted |
| 2025-07-25 | Qux LLC | $15.00 | Statement | Viewed |
| 2025-07-24 | Alpha Ltd. | $180.00 | Order | Completed |
| 2025-07-23 | Beta Pty. | $50.00 | Purchase | Completed |
| 2025-07-22 | Gamma GmbH | -$20.00 | Refund | Issued |
| 2025-07-21 | Delta SA | $90.00 | Pre-authorization | Held |
| 2025-07-20 | Epsilon AB | $40.00 | Invoice | Paid |
| 2025-07-19 | Zeta Co. | $65.25 | Quote | Declined |
| 2025-07-18 | Eta LLC | $120.00 | Statement | Viewed |
| 2025-07-17 | Theta Inc. | $200.00 | Order | Shipped |
| 2025-07-16 | Iota Ltd. | $15.75 | Purchase | Completed |
Speed Up Repeat Transactions
Securely store customer payment profiles and breeze through repeat charges in just a few clicks.
No More Late Invoices
Automatically charge saved cards on due datesânever chase down payments again.
Easy Advance & Partial Payments
Offer flexibilityâprocess deposits or partial charges by custom amount or percentage.
Security You Can Trust
Peace of mind shouldnât cost extra. We secure your customersâ payment information and protect your business from legal exposure and data breaches using advanced security measures.
Advanced Encryption
RealâTime Fraud Detection
PCI DSS Compliant
Tokenization
Accepting payments made affordable
Lower rates, no monthly fees, and no contracts.
In-person
1.83% + 8¢
Keyed & Online
2.61% + 8¢
ACH
1.00% + 8¢
Average in-person cost
Based on interchange+0.40% + 8¢ on $300K monthly volume.
Donât Just Take Our Word for It
âOur virtual terminal transformed checkoutâno hardware, no hassle, just click and charge.â
âRepeat transactions are now 50% faster thanks to saved profilesâtruly game-changing.â
âNext-day deposits keep our cash flow strongâMercury has our back.â
Frequently Asked Questions
Do I need to buy POS hardware to access the Virtual Terminal?
Not at allâMercuryâs Virtual Terminal is 100% browser-based. Simply log in on your computer or tablet, enter payment details, and hit **Charge**. No physical terminal or dongle required.
What kinds of transactions can the Virtual Terminal process?
Our terminal supports everything from one-time purchases and refunds to pre-authorizations, invoices, quotes, statements, and custom orders. All transaction types live in a single interfaceâno need to switch modes or apps.
How can I charge my customer on the Virtual Terminal?
Click âNew Transaction,â choose card or ACH, enter the amount and customer details, then press **Charge**. You can even add custom order notes or tax breakdowns before completing. A branded receipt is emailed automatically.
Do I need a merchant account to use my Virtual Terminal?
Mercury handles underwriting and compliance behind the scenesâno separate merchant account setup is required. Sign up, complete our quick KYC flow, and youâre ready to accept live payments.
Are Virtual Terminal payments secure?
Absolutely. Every transaction uses AES-256 end-to-end encryption and PCI-compliant tokenization. We also perform real-time fraud screening and give you chargeback alertsâso your data and customers stay protected.
What funding options does Mercury offer?
Choose next-business-day or same-day deposits for card payments at no extra cost. ACH transactions settle in 1â2 business days. You can even schedule weekly or monthly batch payouts in your dashboard.