What do I need to get started with Virtual Terminal?

To use PayPal's virtual payment terminal, you need a PayPal business account and a web browser, with no extra hardware, software, or coding required. Applications are typically reviewed within two business days. Once approved, you can start accepting credit and debit card payments immediately from any internet-connected device.

Are charities eligible for reduced fees?

Qualifying registered nonprofit organizations qualify for discounted transaction fees when they use Virtual Terminal. Learn how to register as a charity with PayPal.

Are Virtual Terminal transactions covered by Seller Protection?

Virtual Terminal transactions aren’t included in the PayPal Seller Protection Policy. Learn more about Seller Protection.

Does my customer need to have an account with PayPal?

With Virtual Terminal you can accept payments from customers who don’t have an account with PayPal.

Is PayPal's virtual payment terminal PCI compliant?

Yes. PayPal's virtual payment terminal is PCI compliant. Card data is processed through PayPal's secure payment gateway, which uses encryption to protect sensitive information in transit. You are responsible for securing the device and browser used to access the terminal. For additional details, review our security technology documentation.

What is the difference between a virtual payment terminal and a payment gateway?

A virtual payment terminal is a browser-based interface where a merchant manually enters card details to process a payment. A payment gateway is the underlying technology that securely transmits that payment data to the card network for authorization. PayPal's Virtual Terminal uses a built-in payment gateway, so no separate gateway setup is required.

What types of payments can I accept with PayPal's virtual payment terminal?

PayPal's virtual payment terminal accepts Visa, Mastercard, American Express, and Discover credit and debit cards. You can process payments taken over the phone, for mail orders, custom orders, wholesale orders, and in-person transactions where no card reader is available. Customers do not need a PayPal account to pay.

Virtual Terminal | Credit Card Processing

PayPal for You

Shopping & Rewards

Send & Receive

Manage Your Money

PayPal for Business

Business Types

Industry Types

Accept Payments Overview