Virtual Terminal FAQs

How do I charge a card using Virtual Terminal?

You can take a payment with Virtual Terminal by entering the amount, full card number, expiration date, CVV, and billing zip code.

How do I charge an international card using Virtual Terminal?

You can charge an international card by entering the cardholder’s billing postal code, or entering 4 zeros (0000) instead of a postal code.

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

No, you can key-in transactions through Virtual Terminal from your online Square Dashboard on a desktop computer’s internet browser.

To swipe, dip, or tap payments, download Square Point of Sale. Square Point of Sale is designed to accept payments on a mobile device. If you have not done so already, download the Square app and request a Square Reader to take card payments on an iOS or Android device.

How do I see transactions processed through Virtual Terminal?

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.

Can Virtual Terminal payments be deposited using Instant or Scheduled deposits?

No, Virtual Terminal payments can only be sent to your linked bank account via our standard Next Day Deposit schedule.

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 your Square Dashboard or your Square app in the same way as any other payment. Learn how to process a refund.

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

Employees 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 Permissions section of your online Square Dashboard and select the role you’d like to edit. Keep in mind this will affect all employees assigned to that role.
  2. Toggle on the Access Dashboard permission section.
  3. Select Take Payments With Virtual Terminal and, if applicable, Manage Customer’s Cards on File for roles you want to grant access.

How is Virtual Terminal different from using Invoices?

You can use both Invoices and Virtual Terminal to bill your customers via the Square Dashboard. Invoices are ideal for merchants who don’t need to instantly collect payment, and want to bill their customers via email. Customers will receive the emailed invoice and enter their payment card details on their end. Learn more about sending Square Invoices.

Virtual Terminal is suited for sellers who want to immediately charge their customers remotely for orders received over the phone or online.

Square’s processing fee for Virtual Terminal payments is 3.5% + 15¢. The fee for processing Invoices is 2.9% + 30¢. Learn more about Square’s processing fees.

Does Virtual Terminal work with Card on File?

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

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