System updates

We’re experiencing issues that may affect your Square services. We’ll continue to update our status page with more information.

Home>Taking Payments On A Computer

Virtual Terminal FAQ

Find answers to commonly asked questions about processing payments with Virtual Terminal.

How is Virtual Terminal different from using Square Invoices?

You can use both Square’s online invoices and Virtual Terminal to bill your customers via the online Square Dashboard.

Invoices: Ideal for merchants who don’t need to instantly collect payment, want to bill their customers via email or set up recurring payments. Customers will receive an emailed invoice and enter their payment card details on their end. Learn more about sending Square Invoices.

Virtual Terminal: Suited for sellers who want to immediately charge their customers using a computer, either in person or remotely, for orders received over the phone or email.

Square’s standard processing fee for processing Invoices and Virtual Terminal payments is 2.2% per transaction. Learn more about Square’s processing fees.

Which payment details do I need to collect from my customer to key in a payment?

You’ll need the following information to accept a payment with Virtual Terminal:

  • Card number

  • Expiration date

  • CVV/CVV2

  • Postcode*

*You will need to enter a postcode when processing cards issued in the United States, Canada or United Kingdom on the Virtual Terminal.

Please note that payments will not be processed without a valid postcode.

Postcodes are used as an additional form of security to verify the card is being used by the cardholder or authorised person. 

We also provide you with a field to include a note for your records, with a length of up to 60 characters. Note: The note field is for your records and you should not record personal, card or other sensitive information in that field.

If your customer has requested a digital payment confirmation, you can enter their email or mobile number. This will be used to automatically send your customer a customised digital payment confirmation of the transaction.

Can I connect Square Readers and take in-person transactions?

Not at this time, but you can connect Square Terminal with Virtual Terminal to take payments wirelessly through a connected computer or laptop.

Can I add items, taxes and discounts to a sale with Virtual Terminal?

Yes. You’re able to add existing items from your Item library to a sale – including modifiers, taxes and discounts. You’re also able to apply discounts and taxes to a single-use custom amount or item using the Itemised Sale option.

Can I add a tip to a sale with Virtual Terminal?

Yes, when taking an itemised sale or a Quick Charge payment in Virtual Terminal, you can click Add Tip, then select an amount of 10%, 15%, 20% or add a custom tip amount. To enable Tipping in regions where Tipping is available, from the Virtual Terminal Overview page click on Settings and then Checkout. Toggle Collect Tips on and then make any desired changes to settings and click Save. Add Tip will display in the payment page and be clickable once you add in an amount to the cart.

Can I split a payment with Virtual Terminal?

Yes, you can split a payment so your customer can pay by multiple payment methods. You can also record cash or other tender payments for record purposes. 

If I split a payment with Virtual Terminal, will I be charged for each credit or debit card?

Yes, there is a per-transaction fee for split payments on card. You will not be charged if you are recording the split payments as cash or other tender payment methods. 

Can I add a tip to a sale using split tender payments with Virtual Terminal?

No, the Add Tip feature is not available when splitting tender payments. Simply add the tip to the original payment amount before splitting. 

Does Virtual Terminal work with Card on File?

Yes, you can securely store and charge a customer’s card on file using Virtual Terminal.

Can I schedule recurring payments with Virtual Terminal?

Yes, you can schedule recurring quick-charge or itemised sales using a customer’s Card on File. Learn how to schedule and manage Recurring Payments with Virtual Terminal.

Can I use Virtual Terminal on my mobile device to swipe, insert or tap payments?

You can key in transactions through Virtual Terminal. To swipe, insert or tap payments, purchase a Contactless and Chip Card Reader and download Square Point of Sale, which is designed to accept payments on a compatible mobile device.

How do I see transactions processed through Virtual Terminal?

Payments processed using Virtual Terminal will be included in your sales reports. Visit the Reports section of your online Square Dashboard to view your sales reports. You can also visit the Transactions section to view full transaction details, including the payment source, by exporting your Transactions CSV.

Should I provide an email or a mobile number for my customer?

You should only provide a customer email or mobile number if your customer has requested a digital payment confirmation. This email or mobile number will be used to automatically send your customer a digital payment confirmation of the transaction.

How can I process a refund for a transaction taken through Virtual Terminal?

You can process refunds directly from the Transactions section of your online Square Dashboard or Square app in the same way as any other payment. Learn how to process a refund.

Can my team member access Virtual Terminal if they do not have access to Square Dashboard?

Team members need to have access to the online Square Dashboard to use Virtual Terminal. Should you prefer limiting their access to taking payments, follow these steps:

  1. Log in to the Team Members section of your online Square Dashboard.

  2. Select the name of the team member whose permissions you’d like to update.

  3. Click Edit next to Permissions.

  4. Select a role which has Access Team Dashboard enabled, or click Edit Permissions and toggle Access Team Dashboard on.

  5. Select Take Payments with Virtual Terminal. If applicable, select Manage Customer’s Cards on File and Use Customer Directory and Feedback to allow this team member to save and charge cards on file using Virtual Terminal.

  6. Click Save.

Learn more about: Point of Sale

Can't find what you need?