Virtual terminal

You can use the virtual terminal to take payments over the phone or in person. You cannot use Apple Pay or Google Pay with the virtual terminal.

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

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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.

Stripe virtual terminal

With a Stripe merchant account, when you use the virtual terminal, the cardholder's issuing bank will decide if the transaction requires 3DS verification.

The Stripe virtual terminal allows customers to pay with Visa, MasterCard, and Amex. You cannot use Apple Pay or Google Pay with the virtual terminal.

CardCorp virtual terminal

With a CardCorp merchant account, you must use 3DS verification with the virtual terminal by default. Depending on your business model, you may also be able to use the virtual terminal without requiring 3DS verification. You cannot use Apple Pay or Google Pay with the virtual terminal.

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 e-commerce payment.

By default, the phone payments or non-3DS channel is inactive 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!