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Square Virtual Terminal

Charge credit cards from your computer.

Square Virtual Terminal

Customer not there in person? Use your computer to get paid.

Start taking payments in minutes

Sign up for a free Square account and you’re ready to go.

Get your money fast

Funds are in your bank account as fast as the next business day.

Easily charge repeat customers

Securely store customer card information.

Pay no monthly fees

There are no hidden fees or long-term contracts.

It’s simple: Sign in, fill out, charge.

Step 1: Log in to your Square account and go to Virtual Terminal.
Step 2: Fill in your customer’s information or choose a card on file.
Step 3: Charge your customer and you’re done!

Take in-person payments, too.

Turn your computer into an in-person terminal

Take in-person card payments by adding Square Reader for magstripe to your Apple computer or Chromebook.

Transparent rates for in-person and online payments

Accept in-person credit card payments at a rate of 2.6% +10¢ for every swipe and 3.5% + 15¢ for card-not-present transactions.

Let your team take payments (and track every sale).

All they need is a computer

Set up employee access so your team can take card-not-present transactions and over-the-phone payments. With customizable permissions, you get to control who can do what.

See every payment in real time

Square Dashboard lets you see all your sales in real time in one central place—no matter how many payment terminals you have.

We’ve got your back.

Data security

We keep card data safe from end to end and track fraudulent cards to protect you and your customers.

Dispute management

When payment disputes occur, our team of experts deals with the bank for you so you can focus on your business.

All-in-one setup

Your Square account gives you everything you need to take payments—no need to visit a bank.

On-demand analytics

Run real-time reports anytime from any device so you can see how your business is doing.

Get your money fast.

Fast transfers come standard

Get your money in your bank account as soon as the next business day. Unlike with many other payment processors, this comes standard—no extra fees required.

Even faster access available with Square Card

Sign up for Square Card to get free, real-time access to your funds. It’s a business debit card with no monthly fees, sign-up fees, or any other hidden fees.

Learn more about Square Card >



monthly fee

3.5% + 15¢

per typed-in transaction

2.6% +10¢

per swipe

Set up your free Square account now.

Start taking payments from your computer in minutes.


  • What is a virtual terminal?

    A virtual terminal turns your computer into a credit card terminal—it allows you to manually process payments right from a web browser. It’s great for remote billing or taking credit cards over the phone.

  • Why are Virtual Terminal payments priced differently?

    Manually entered, keyed-in card transactions are a potentially higher risk than swiped transactions because the cardholder isn’t standing in front of the seller where an ID and signature can be checked. So credit card networks put measures in place to protect against this potentially higher risk of fraud, including charging Square higher fees.

  • How can I get started with Square Virtual Terminal?

    First you need to sign up free with Square. It only takes a few minutes, and there are no long-term contracts or commitments. Get started by clicking the blue button at the top of this page.

    Once you’re signed up, log in to your Square Dashboard. In the left-side panel of your Dashboard, click Virtual Terminal, then Take a Payment. Enter the payment amount followed by your customer’s card number, expiration date, CVV (that three-digit number on the back of the card or four-digit number on the front of American Express cards), and billing ZIP code. Add a note for your customer or describe the purchase, then click Charge. You’re all set.