Virtual terminal

You can use the virtual terminal to take payments over the phone or in person.

BillPro opens the virtual terminal when you add cards or update cards for customers, when you submit an initial payment or card registration for a draft or pending order, and for billing events when you submit an unscheduled payment.

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PCI DSS Level 1 compliance

In BillPro, merchants and customers enter card details directly into the payment gateway iframe. The payment gateway has PCI DSS Level 1 compliance. BillPro does not process or store sensitive card data. BillPro displays masked card numbers and stores tokens to represent the cards that are stored in the payment gateway.

By default, you must use 3DS verification with the virtual terminal. Depending on your business model, you may also be able to use the virtual terminal without requiring 3DS verification. If a transaction without 3DS verification is declined, you can select 3DS Verified and retry it, or send a payment link. If a transaction requires 3DS verification, then the payment will be processed in the same way as an ecommerce payment.

By default, the phone payments channel is not active in the merchant configuration.

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Checkout expiry

The virtual terminal is connected to a checkout in the payment gateway that expires in 25 minutes. If you enter card details after the checkout has expired, the transaction will be declined. Before you enter card details, refresh the BillPro page to refresh the virtual terminal's checkout.

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Wait for a response

When you enter card details, always wait for a response before you take another action, such as refreshing the page, or entering the card details again. Otherwise, problems can occur, such as a customer being charged twice!