Take payments from your computer with Square Virtual Terminal.

Square Virtual Terminal

Accept payments online or over the phone.

Start taking payments fast

No new devices, no startup fees, no complicated software—your computer is your terminal. Just sign up for a free Square account and you’re ready to go.

Get instant payment confirmation

Know when you get paid with instant confirmation and send customized receipts to your customers.

Seamlessly charge repeat customers

Keep customer information secure. Use the Card on File feature to charge repeat customers at no additional cost.



Run your business from your computer.

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 2.75% for every swipe and online payments for 3.5% + 15¢ per keyed-in transaction.


Give your employees access
Set up employee access so everyone in your business can take payments from their computer.

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 terminals you have.


Virtual Terminal has everything you love about Square.

Secure payments

Keep card data safe from end to end, and stay protected from fraud, chargebacks, and more.

Transparent pricing

Free setup, no monthly fees, and no contracts. Accept all major credit cards.

On-demand analytics

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

Fast deposits

Keep your cash flow steady. See money in your account as soon as the next business day.

Pricing

3.5% + 15¢

per keyed-in transaction

2.75%

per swipe

Sign up for Square.


FAQ

  • 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.