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Get Started with Virtual Terminal

With Square’s Virtual Terminal, you can accept manually keyed-in payments right from your online Square Dashboard and charge your customers in seconds – no hardware, reader or app installation required.

Manually Enter Payments From Your Computer

To manually enter a payment using a computer:

  1. Log in to your online Square Dashboard using a supported browser.
  2. Navigate to Virtual Terminal > Take a Payment.
  3. Select Quick Charge to charge your customer a single dollar amount or Itemised Sale to add an item, modifier, discount, and tax to the sale. You’re also able to apply taxes and discounts to custom dollar amounts using Itemised Sale.
  4. Add an optional note to the sale.
  5. Under Payment Method, select Manually Enter Card.
  6. Enter the card details provided by your customer.
  7. Click Charge.

Payment Successful in Virtual Terminal

Once you see Payment Successful, you’re all set and can print or send a digital receipt to your customer via email or SMS message. You can review and confirm this payment was successful from Transactions in your online Square Dashboard.

Review Square’s transfer schedule.

Save Customer Information with Virtual Terminal

Square’s Customer Directory and Card on File features make it easier to save and charge returning customers using your online Square Dashboard.

When you accept a payment using Virtual Terminal, you’ll be given the option to save the customer’s name and payment card to their profile in your Customer Directory for future payments. You’re also able to securely store a customer’s card on file from your Customer Directory.

Learn more about managing team permissions.

Charge a Saved Card on File

  1. From the Virtual Terminal section of your online Square Dashboard, click Take a Payment.
  2. Under Payment Method, click Customer Card on File.
  3. Search and select a customer > select a card on file.
  4. Click Charge.

Schedule Recurring Payments

Streamline and automate your recurring payments right from your computer with Virtual Terminal. Save time, get paid on time, improve your cash flow and enhance customer relationships by easily scheduling recurring quick-charge or itemised sales for your repeat customers.

The only requirement to schedule your first recurring payment is to add or charge a customer’s Card on File. The processing fee for charging a Card on File is 3.5% + 15¢.

To schedule a recurring payment series in Virtual Terminal:

  1. Sign in to the Virtual Terminal section of your online Square Dashboard.
  2. Click Take a Payment.
  3. Select Quick Charge to charge a custom amount, or Itemised Sale to add an item, modifier, discount and tax to the sale.
  4. Add a Customer Card on File or select an existing one.
  5. Click Make this a recurring payment.
  6. Select a daily, weekly, monthly or yearly interval, and add a unit – such as every two weeks or every three months.
  7. Choose whether to end the recurring series on a specific date, after a certain number of payments or never.
  8. Click Save.
  9. Review the recurring payment details, then click Charge to confirm.

Your customer will receive a digital receipt for this and all subsequent recurring charges.

Note: The first charge in the recurring series will occur immediately in Virtual Terminal. All subsequent charges will occur via recurring invoices.

Learn more about scheduling recurring payments with Virtual Terminal.

Manage Recurring Payments

You can view and manage your recurring payments at any time from your online Square Dashboard. To do so:

  1. Sign in to the Invoices section of your online Square Dashboard.
  2. Click the Recurring tab on the left panel.
  3. Select a recurring series from the list to view, edit or cancel.

Give a Team Member Access to Use Virtual Terminal

You can configure your Team Management settings to grant access to Virtual Terminal. Before you can get started, you’ll need to create at least one team member.

Team members who wish to save customer information and charge a card on file using Virtual Terminal must have the following permissions enabled for their permission set:

  • View, Edit, Create and Delete Customer Directory Data
  • Add and Remove Customer Cards on File
  • Use Virtual Terminal

To give a team member access to Virtual Terminal:

  1. Visit Team > Permissions in your online Square Dashboard.
  2. Select the permission set the team member is assigned to.
  3. Tick Use Virtual Terminal. If applicable, tick Add and Remove Customer Cards on File and View, Edit, Create and Delete Customer Directory Data to allow this team member to save and charge cards on file using Virtual Terminal.
  4. Click Continue > select the access points at which the team member can use their permissions.
  5. Save.

Keep in mind: Changes made to a permission set’s permissions apply to all team members assigned to that permission set. Learn more about managing permission sets and permissions.

After you grant Virtual Terminal access to your team member, they will receive an email with instructions for setting up their account. Team members will be able to see only the account elements for which you have granted access.

Note: Permissions are only available through Square’s Team Management.


The fee for transactions manually processed through Virtual Terminal is 2.2% per transaction. The same fee applies to Virtual Terminal payments accepted using a card on file.