Invoices: Ideal for sellers 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 by email.
Square’s standard processing fee for processing Invoices is 2.9% + 30¢. For Virtual Terminal payments, the fee is 3.5% + 15¢ per manually entered payment and 2.6% + 10¢ per swipe. Learn more about Square’s processing fees.
Yes! If you’re eligible to accept Afterpay, you can send your customer a payment link. Payment links are a secure payment method customers can use to pay right from their mobile device using their debit or credit card – including mobile wallets such as Apple Pay or Google Pay – or via Afterpay where available.
Payment links are for taking Afterpay payments in real time, like while you’re on the phone with the customer. The link will expire if you close the window or if the customer doesn’t pay as soon as the link has been opened.
There are no additional fees to swipe credit cards on your computer beyond Square’s processing fee. The fee for swiping a card on Virtual Terminal is 2.6% + 10¢ of the total amount being charged. If you’re manually entering the card details, the fee is 3.5% + 15¢ due to the higher risk involved in accepting this type of payment.
For Afterpay payments, the processing fee is 6% + 30¢ (excl. GST) per transaction. Note: There are no monthly fees or startup costs to start processing Afterpay with Square. You only pay processing fees when you make a sale. Afterpay rates are fixed and do not vary by subscription type, hardware or custom pricing.
You’ll need the following information to accept a manually entered payment with Virtual Terminal:
Billing Postal Code
We also provide you a field to include a note for your records, with a length of up to 60 characters. If your customer has requested a digital payment confirmation, you can provide their email or mobile number. This will be used to automatically send your customer a customized digital payment confirmation of the transaction.
Note: The note field is for your records and you should not record personal, card or other sensitive information in that field.
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 Itemized Sale option.
You can process in-person credit and debit card transactions from the Virtual Terminal Overview page in your online Square Dashboard by connecting Square Terminal and selecting Take a Payment. Using Square Terminal, you can take card payments by inserting, tapping or swiping cards.
Payments processed using Virtual Terminal will be included in your sales reports. Visit the Sales section of your online Square Dashboard and click Transactions. You can also view full transaction details, including the payment source, by exporting your Transactions CSV.
Yes, you can customize the Statement Identification field, also known as Billing Descriptor, for any transactions taken on Virtual Terminal. This Statement ID field has a limit of 20 characters, including spaces, to help you and your customer identify the transaction on their billing statements. If you’re interested in this feature, please reach out to us so we can activate it on your account.
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.
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:
Go to Team > Team Members from your online Square Dashboard.
Click the name of the team member whose permissions you’d like to update.
Click Edit Role.
If it has not been checked already, toggle on Access Dashboard.
Tick Take Payments with Virtual Terminal. If applicable, check 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.