Square Virtual Terminal

Accept and record payments on your computer.

Get started in minutes, no monthly fees.

What’s a virtual terminal?

A virtual terminal turns your computer into a credit card terminal. It’s perfect for remote billing or taking credit cards over the phone.

Make payments simple to accept and track.

Charge cards from your computer

Key in and charge credit and debit card payments from any browser. No special equipment or devices required.

Record all types of payments

Accept and record cash, checks, Square Gift Cards, and other payments from your computer.

Request payments via text

Send customers a secure payment link via text so they can enter their credit card information privately and pay from anywhere.

Split any transaction

Split any transaction across different payment methods, including cash, Square Gift Cards, or multiple credit and debit cards.

Take buy now, pay later payments

Allow customers to pay in installments with Afterpay. There’s no risk. You get paid in full immediately, while they pay four interest-free installments over six weeks.

Learn more about AfterPay ->

Take payments anytime, right from your Mac desktop.

Never miss a sale again with Square Charge for Desktop, a free app that lets you process digital payments quickly and easily no matter where you are.

Explore Square Charge for Mac

Streamline your business with easy-to-use tools built into your POS

Speed up checkout

Charge customers by selecting items or scanning them with a USB barcode scanner. You can also add service charges, discounts, and taxes to any sale.

Issue professional receipts.

Email, text, or print professional receipts for every payment from your computer.

Schedule recurring payments

Bill your customers for recurring payments on a weekly, monthly, or yearly basis and securely store customer card information on file.

Manage and run your business more easily.

Keep track of your business

Stay up to date using the real-time reporting tools in your Square Dashboard.

Learn more about Square Dashboard

Build lasting customer relationships.

Create customer profiles with notes about your customers, see their purchase histories, and save their card on file to make checkout quick.

Learn more about Square Customer Directory

Access your payment processing funds quickly

Get paid as fast as the next business day free, instantly for a small fee, or with the free Square Checking as soon as a payment is charged.

Learn more about Square Checking

Take in-person payments, too.

Customize your solution to fit your needs

Connect Square Terminal wirelessly with your computer for smooth in-person transactions.

Accept every kind of payment

Let customers tap, dip, or swipe with a card, Apple Pay, or Google Pay. Record cash, checks, Square Gift Cards, and other payments with your computer.

See how to use Virtual Terminal for in-person payments.

Integrated with the rest of your business.

  • Automatically sync with other Square solutions like Square Point of Sale, Square Invoices, and more.
  • Quickly export Virtual Terminal transactions to accounting software such as QuickBooks.
  • Easily download and analyze records with data tools like Microsoft Excel and Google Sheets.

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.

Online refunds

Process customer refunds for payments directly from your online Square Dashboard.

24/7 support

Our highly trained support team is available via phone or email. Use online resources, such as the Square Seller Community forum and Square Support Center, to find answers to many common questions.


Monthly fee


per month

Remote processing fee

3.5% + 15¢

per typed-in transaction or payment link

In-person processing fee

2.6% + 10¢

per tap, dip, or swipe

Buy Square Terminal >

Swipe available on Mac (Safari and Chrome) and Chromebook (Chrome) only.

Buy now, pay later payments.

Allow customers to pay in installments with Afterpay. There’s no risk. You get paid the full amount, while they pay four interest-free installments over six weeks.

Monthly fee


Per month


6% + 30¢

per transaction
(Available for payment links sent via SMS)


6% + 30¢

per transaction

Late fees may apply. Eligibility criteria apply. See www.afterpay.com for more details.

Set up your free Square account now.

Start taking payments from your computer in minutes.


What can I actually do with Virtual Terminal?

You can use Virtual Terminal to charge customers, itemize sales, and create recurring payments to save time and get paid faster.

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 for your free account with Square. In Square Dashboard, click Virtual Terminal, then Take a Payment. Enter the amount and click Charge. More detailed steps below.

Does Virtual Terminal work for Windows or Mac?

Both. Square Virtual Terminal works as a Mac POS system or a Windows POS system. Because it’s browser based, it’s just a digital POS that lets you offer credit card processing, regardless of what operating system you use.

What is the difference between a quick charge vs. an itemized sale?

A quick charge is when you want to enter just the amount of the transaction. An itemized sale is possible after setting up an item library for your items or services, which provides you with better insights into sales and gives your customers more detailed receipts.

Square has more ways to help you run your business.

We make it easy to plug and play, and integrate the tools you need directly at the Point of Sale. Get personalized recommendations for tools that can help your business by answering a few quick questions.