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Accept payments on your computer.

Process credit cards and ACH payments online without any hardware.

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What is a virtual terminal?

A virtual terminal lets you securely process transactions from your laptop or tablet – no website or hardware needed. Enter the payment details and charge your customers online or over the phone.

  • Process payment when an order arrives by mail or over the phone.

  • Enable service professionals to accept payments on-site.

  • Process in-person payments when a card reader is not available.

  • Helcim virtual terminal icon

    Instantly collect payments for due and overdue invoices when you have your client’s payment info ready.

Get paid faster in four simple steps.

Start your transaction

Choose the transaction type and the preferred payment method.

Add tax

Choose from preset tax rates or enter a manual percentage.

Include transaction details

Provide the necessary information for accurate record-keeping.

Charge and email receipts

Charge your clients and email receipts to provide them with all the necessary information.

Collect online payments in one place.

Handle all types of transactions in one view.

Transaction type:

  • Purchase
  • Refund
  • Pre-authorization

Payment type:

  • Estimate
  • Invoice
  • Quote
  • Statement
  • Order
  • Many more...
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Use Helcim Virtual Terminal to accept credit card payments and ACH payments over the phone
Retrieve credit and debit card information of existing customers

Speed up repeat transactions.

Our CRM system securely stores customer and payment information, enabling faster processing of repeat transactions.

No more late invoices.

Don’t let late payments affect your cash flow. Process due and overdue invoices with a few clicks using saved payment information.

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Process late invoices with Helcim Virtual Terminal via internet browser
Processing partial payments and offering flexible payment options for remote billing

Easily process advance payments.

Process advance or partial payments on existing invoices by setting a custom payment amount or percentage. Offer flexibility to meet your customers' payment preferences.

Keep track of your paid transactions.

Our system records and stores all paid transactions in one view. Easily sort and manage your payment history, saving time and improving financial oversight.

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Successful virtual terminal credit card processing status

Making sure you get paid fast.

Free daily deposits for credit & debit batches

Within 2 business days

Free ACH payment deposits

3-4 business days

Get your money faster!

Enjoy next business day deposits for free when your customers pay with credit or debit cards!

Peace of mind shouldn’t cost extra.

We secure your customers' payment information and protect your business from legal exposure and data breaches using advanced security measures.

  • Helcim PCI Compliance

    PCI compliance

    Stay PCI compliant at no extra cost.

  • Helcim Secure Card Vault

    Helcim Credit Card Vault

    Securely store and protect customer information.

  • Helcim virtual terminal icon one free account all tools

    Efficient dispute management

    Quickly resolve disputes and counter chargebacks to access your funds faster.

  • Helcim virtual terminal icon one free account all tools

    Helcim Fraud Defender

    Receive risk estimation for each transaction, reducing fraud and chargebacks.

Don’t just take our word for it, hear from our merchants.

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  • “I've been using Helcim since Aug 2019. Very happy with the support and the low transaction fees. I've just signed onto their new platform and purchased my POS terminal. I also love their web-based user interface for info on batches, invoicing, and processing credit cards over the phone through their virtual terminal.”

    Airclix Photographic Scanning Services
     

  • “Absolutely superb merchant services. We only do online and direct sales with no face-to-face so their Virtual Terminal processor was a perfect solution. Quick, easy, good reporting, good history functions, and good fee structure...they may not be the cheapest, but for the service and functionality you get, we have found no better. Also great tech support, we have called 3 times and the problems were addressed quickly and solved quickly. We switched over from a major US bank and we could not be happier!”

    Sequoia Publishing Inc.
     

  • “What do I love about Helcim? EVERYTHING, the merchant fees are only charged when I am actually using the service. There are ZERO monthly charges. I have a terminal at my fingertips, should I have a sale off-season and when I set up my ONCE A YEAR booth, my Helcim terminal is ready to go. EASY setup, CLEAR instructions, and NO hassle.”

    Robin Glass Art
     

  • “We recently switched to Helcim and what a pleasant surprise this has been. First, the system is simple, the design is clean and the tools are easy to learn. Second, their customer experience team actually exists. We get prompt calls back and each person has been friendly and knowledgeable. I will use this company again and recommend them freely.”

    Harbor Hope Center
     

  • “Our company switched over to Helcim about a year ago and has never looked back. They have all the features of the other payment processors out there but with better prices and AMAZING customer service. Highly recommended!!”

    Innisfree Farm
     

More ways to get paid within one account.

With a Helcim account, you gain access to other tools to collect payments online and ensure smooth operations, all at no cost.

  • Helcim invoicing icon one free account all tools

    Invoicing  

    Generate, send, track, and manage invoices easily.

    Learn more
  • Helcim Recurring subscriptions

    Recurring Payments

    Create subscription plans and collect recurring payments.

    Learn more
  • Helcim Payment Pages

    Payment Pages

    Set up a checkout page and send it to customers for instant checkout.

    Learn more
  • Helcim free credit card processing

    Customer Manager

    Manage customer information, and accept payment faster.

    Learn more

FAQ.

  • Do I need to buy POS hardware to access the Virtual Terminal?

    No, that's the beauty of a Virtual Terminal! All you need to access this browser-based tool is a Helcim account and any device with an internet connection. Use your desktop computer, laptop, tablet, smartphones or other mobile devices to accept card payments or ACH. With no monthly fees, and no hidden chargers, it is that easy to use Helcim's Virtual Terminal for your payment processing needs.

  • What kind of transactions can the Virtual Terminal process?

    A Virtual Payment Terminal is used to process any remote credit and debit card payments. You can process a dollar amount (USD/CAD) or attach a Helcim invoice. You can also process bank transfers from ACH or EFT with a customer's banking information. The Virtual Terminal is especially useful when taking credit card payments over the phone, accessing card on file to quickly process repeat transactions, or handling overdue invoices efficiently.

  • How can I charge my customer on the Virtual Terminal?

    You can either manually key in your customers' credit card or banking information or pull up an existing customer or unpaid invoice to process the payment. When processing a transaction for a new customer, entering their billing address helps verify the legitimacy of the transaction and adds an extra layer of security.

  • Do I need a merchant account to use my Virtual Terminal?

    Yes. When you sign up for a merchant account with Helcim you will be granted a merchant ID. From here, you can get started with the Virtual Terminal and accept payments right away.

  • How will my customers know they've been charged when I use the Virtual Terminal?

    Helcim's Virtual Terminal works for you and your business. You can turn on automatic notifications so your clients and customers will receive a payment verification in their email.

  • Are virtual terminal payments secure?

    Yes, Helcim's virtual terminal uses AES-256 encryption, the most powerful encryption available today, to protect all sensitive data, ensuring PCI compliance and security.

  • What type of funding options does Helcim offer?

    Helcim uses gross deposits, meaning your total sales are deposited directly into your bank account, with processing fees deducted as a separate line item on the same day. This ensures accurate daily revenue and cash flow data so you always know exactly how much you've earned and what's available.

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Turn your computer into a virtual payment terminal.

No monthly fees, no contract, and no hidden fees.

Get started now
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We're always
here to help.

New to accepting card payments? We take the time to help you understand how it all works so you can make the best decisions for your business.

  • Speak to a real person, fast
  • Experts you can trust

Contact us today.

Toll-Free: +1 (877) 643-5246
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