Virtual terminal


  • Accept payments over the phone or by mail order
  • Take payments remotely
  • Flexible, fast and secure
  • Improve cash flow and get your money the next banking day*
  • No joining or set-up fees






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What is a virtual terminal?


A virtual terminal is a handy tool that allows you to take payments remotely.

It saves your customers the hassle of visiting your shop to pay using your card machine. Instead, a virtual terminal lets them pay over the phone, or even by mail order.

Handepay’s virtual terminals are totally flexible, allowing you to accept payments wherever you are. All you need is a device that’s connected to the internet; such as a laptop, tablet or smartphone.

You simply log into your virtual terminal online and enter your customers card details into the secure form. The virtual terminal carries out checks on the billing address provided, confirming that it matches with their bank.

Once the cardholder's bank has authorised the payment, the money is settled into your account according to your settlement timescale.

Taking payments remotely has never been easier!


Increase payment flexibility with a virtual terminal

Relying on a customer to pop into your shop to make a payment is frustrating.

Not only for you, but for your customer too. With busy schedules and hectic lives, many people struggle to find the time to visit in-store.

You could be missing out on sales!

Why not make everyone’s lives easier? With a virtual terminal, you can accept payments over the phone or by mail order.

No more waiting for payments. No more missing out on sales.

What are the benefits of Handepay’s
virtual terminal?


When you join Handepay, we don’t just provide you with a flexible virtual terminal.

We make sure that you receive a package to enable you to take payments over the phone or by mail order quickly, securely and at the most cost-effective price.

If you need some help setting up your virtual terminal, you can get in touch easily. Our dedicated support team is based in the UK and only a phone call away. If you’re pressed for time, we can provide support via email too!

Plus, you receive access to our fantastic online reporting dashboard. Keep track of your sales wherever you are, and make your virtual terminal work for your business.

Included in our virtual terminal package is:


All this for only
£9.99 per month
  • Includes 200 transactions per month
  • Internet Merchant Account
  • Integration assistance
  • Dedicated UK technical support team
  • Online business management dashboard with real-time reporting
  • Security checks
  • Bonus Pay by Link function
  • Send e-invoices

Transactions above inclusive amount are 10p each. Price excludes VAT.




Handepay Guides

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Why choose Handepay?


Accept payments remotely without worrying about your monthly invoice.

When you choose a Handepay virtual terminal, you don’t have to worry about hidden fees. Included in your package are 200 free transactions.

We make it affordable.

Join us, and benefit from:


  • No hidden fees

    No hidden fees

    In contrast to other card machine providers, we don't charge many of the fees you may find on your statement

  • Hassle-free switching

    Hassle-free switching

    Switching provider needn’t be a chore - as we’ll cover your fees in most cases. Our helpful team works to ensure you switch and save.

  • 28,000 customers

    28,000 customers

    It’s fair to say we have lots of experience when it comes to great customer service - which is why we’re rated as ‘Excellent’ on Trustpilot

  • Service & support

    Service & support

    24/7 service and support and gateway assistance available Monday to Friday 9am - 5.30pm




What our customers say






The Archer

“Handepay gave me £3,432 to cover my card terminal switching fees! Handepay made switching to use their card terminal simple by offering to cover the exit fees for me!"






Virtual Terminal FAQs



As long as you’ve got an internet-connected device to hand, you can access your virtual terminal. Once you join Handepay, you’ll be provided with a secure link to your own payments portal. You can access this from any device you choose.

You can grant access to your virtual terminal to anyone you choose. Multiple users can even use the portal to accept payments simultaneously.

Of course. Payments are processed using a secure payments page to ensure that your customer data is protected.

If you’re taking a lot of payments over the phone or by mail order each month, you can still use our great virtual terminal package. Once you have processed 200 transactions per month, you will simply incur a fee of 10p for any additional transactions. 

Find out how a virtual terminal can benefit you


Improving your payment process improves your customer experience.

Who wouldn’t want that?

Giving your customers more flexibility when making payments can increase sales and boost customer retention.

Our virtual terminal packages allows you to open up your payment process while remaining cost-effective.