6 Top Virtual Terminals In 2025 – Thrifty Payments
As an entrepreneur or business owner, you're likely already acquainted with virtual terminals — those convenient little devices that allow you to accept payments online, safely and efficiently. Entering 2025, the virtual terminal services market is more vibrant and competitive than ever. And with so many options available at your fingertips, you may wonder how to choose the best virtual terminals that truly meet your business needs.
Don't worry — we've got you covered! In this blog, we'll guide you through the six best virtual terminals of 2025, explaining their advantages, key features, and why you should consider them for your list. Whether you're a small business owner, high-risk merchant, or simply someone who's looking for a one-stop shop POS solution, this guide is here to help you make the right decision. In addition, we'll also discuss serious topics, such as what exactly a virtual terminal is, how virtual terminal services are evolving to address B2B payment complexity, and much more.
What Is A Virtual Terminal?
Before we dive into the top 6 virtual terminal credit card solutions, let's talk about what a virtual terminal is. It's a secure online space — a virtual terminal for small businesses or big corporations — where you can enter your credit card data to make payments. It's convenient for phone sales, phone orders, or if a card reader is out of reach.
Example Virtual Terminal:
One of your customers calls your store and would like to place an order. Online, you type their credit card information right into your secure portal, and you've got immediate processing. It's a hassle-free, virtual terminal solution that simplifies payment capture.
Why Are Virtual Terminal Services So important?
In the age of speed, the benefits of virtual terminals are undeniable. They offer:
· Flexibility: Make payments anywhere, anytime.
· Security: Minimize fraud with encrypted transactions.
· Convenience: No card readers are required.
· Integration: Seamlessly integrate with your existing point-of-sale (POS) or e-commerce platforms.
· Versatility: Best suited for cross-border commerce, high-risk sellers, or intermittently selling companies.
As virtual terminal services evolve, they're grappling with the sophistication of B2B payments, offering more functionality such as multi-currency support, anti-fraud capabilities, and integration with accounting software.
The 6 Best Virtual Terminals Of 2025
Now, without any further delay, here are the 6 best virtual terminals of 2025 to look out for your business:
1. Square Virtual Terminal
Why it's the best: Square has been a household name in payment processing for decades. It offers its virtual terminal POS, which is ideal for small businesses and off-site sales. It is simple to use, dependable, and has excellent integration with other Square products.
Best for: Full POS solution, ideal for growing remote sales, and a virtual terminal for small businesses.
Key features: No monthly fees, customizable receipts, real-time reporting, and support for Linux virtual terminal environments.
2. PayPal Virtual Terminal
Why it's the best: A favorite among families, PayPal's virtual terminal is easy to use and widely accepted. It's a virtual terminal for credit card processing that's ideal for occasional sales or small businesses.
Advantages of Virtual Terminals: PayPal's clear fee model (e.g., a PayPal fee of $0.50) is simple to budget. It's also a solution best suited for cross-border transactions due to its global presence.
Best for: Occasional sales, best virtual terminals compared, and online virtual terminals.
3. Helcim Virtual Terminal
Why it's one of the best: Helcim is a solid virtual terminal solution provider with a reputation for transparency and superior customer service. Its virtual terminal Linux support and virtual terminal POS capabilities make it a versatile solution.
Recommended for: Recommended for B2B traders, high-risk traders, solutions most appropriate for cross-border transactions.
Key features include Competitive pricing, multi-currency support, and bespoke invoices.
4. ThriftyPayments Virtual Terminal
Why it's a top pick: ThriftyPayments, as a virtual terminal solutions provider, is being rewarded for its affordability and comprehensive set of features. their web-based virtual terminal is ideal for companies seeking solutions best suited for small businesses and high-risk merchants.
Best for: Opt for the best solution for your business requirements, ideal for B2B traders and small businesses with a virtual terminal.
Features: Easy installation, flexible integrations, and high-priority customer support.
5. Stripe Virtual Terminal
Why it's a best bet: Stripe is a virtual terminal solutions company that excels at cross-border payments and B2B payments. Its virtual terminal online option is part of a solid API, making it ideal for developers.
Best for: All-in-one POS solutions, growing remote sales, and cross-border transactions.
6. Helcim Virtual Terminal:
Why it's among the best. Another Helcim offering, its platform is especially favored by high-risk merchants and those requiring virtual terminal Linux support. Best suited for: High-risk merchants, solutions optimized for cross-border transactions, and virtual terminal POS. How Virtual Terminal Services are Evolving to Address B2B Payment Complexity. As of 2025, what virtual terminal services are doing to keep pace with the increasing complexity of B2B payments is a top question.
Integration, multi-currency support, increased security, and flexible billing capabilities. New virtual terminal services are designed to support large, recurring transactions, provide detailed reporting, and facilitate multi-user access, making them the best virtual terminal solution for B2B merchants. Besides that, they are adopting AI-based fraud and compliance solutions to facilitate cross-border transactions. As more businesses become global, solutions best suited for cross-border transactions are more critical than ever.
Pick The Best For Your Business Needs
Selecting the best virtual terminals depends on your particular needs. Are you a small business virtual terminal? Do you require solutions ideal for cross-border transactions? Or are you a high-risk merchant seeking a reliable platform?
The 6 top virtual terminal credit card choices we discussed today — Square Virtual Terminal, PayPal Virtual Terminal, Helcim Virtual Terminal, ThriftyPayments, Stripe, and Helcim — are industry leaders for a reason. They're reliable, highly featured, and flexible for virtual terminal Linux and other platforms.
Remember, the benefits of virtual terminals are vast: they streamline your payment processes, enhance cash flow, and provide your customers with a seamless experience. Whether you’re processing occasional sales or running a high-volume B2B operation, choosing the right virtual terminal online can make all the difference.
Frequently Asked Questions
Q: What is an example of a virtual terminal?
A: One is when a business owner personally types in a customer's credit card information into an online virtual terminal to make a payment, rather than swiping or inserting a card.
Q: Who are the top 10 payment processors?
A: Large processors are PayPal, Stripe, Square, Helcim, Adyen, Worldpay, Authorize.Net, Braintree, Amazon Pay, and Payoneer.
Q: What is a virtual terminal for credit card processing?
A: It's a web-based system that allows you to enter credit card information manually for secure payment processing.
Q: Is PayPal's virtual terminal free of charge?
A: PayPal typically charges a per-transaction fee of 2.9% + $0.30, with no monthly charge for standard use. Fees might be tiered depending on volume.
Q: How does PayPal's virtual terminal function?
A: You log into your PayPal business account, choose the virtual terminal, enter the customer's card information, and accept the payment securely.
Q: What is the PayPal fee for $ 500?
A: You log into your PayPal business account, choose the virtual terminal, enter the customer's card information, and accept the payment securely.
Conclusion:
Selecting the optimal virtual terminals is not solely a function of features; it's about choosing one that aligns with your company's objectives, security requirements, and expansion plans. The top 6 virtual terminal credit card options of 2025 cater to a wide range of needs, from those best suited for B2B merchants to those ideal for high-risk merchants.
If you're looking for a virtual terminal solution provider that provides affordability as well as reliability, look no further than ThriftyPayments. They're dedicated to supporting your business with solutions ideal for all-in-one POS and Linux compatibility, as well as virtual terminals.
Remember, in the current digital economy, a virtual terminal is not merely a tool — it's a strategic asset. Make the correct decision today, and strengthen your business for tomorrow!
