Which products are you interested in? (select all that apply)*

- Accounts Receivable
- Accounts Payable
- Expense Management
- Global Payouts
- Mexico Finance Operations

Paystand's virtual terminal lets your AR team process one-time and on-demand payments by phone, email, or link — securely, instantly, and directly inside your ERP workflow.

Powered by Paystand’s blockchain-based payment network, enabling secure, zero-fee bank payments in real time.

## **Get Paid Faster — On Demand**

A virtual terminal gives your team the power to accept one-time or on-demand payments anytime, anywhere — without waiting on mailed checks, physical POS systems, or back-and-forth emails.

With Paystand's virtual terminal, your AR team can:

- Take manual payments over the phone or via email
- Enter customer payment details securely in any browser
- Accept ACH, bank transfers, or credit cards instantly
- Close out invoices and apply payments without leaving your ERP
- Post directly to your GL for clean, audit-ready reconciliation

## **Your AR Process, Supercharged**

Traditional virtual terminals are built for small retailers — not complex B2B finance operations. Paystand fits directly into your existing AR workflow:

- Pre-fill invoice data pulled from your ERP
- Apply payments to customer accounts automatically
- Trigger follow-ups and dunning without leaving the terminal
- Push reconciled data back to your GL instantly
- Maintain a complete, clean audit trail across every transaction

Paystand is on a mission to create a more open financial system, starting with B2B payments. Using blockchain and cloud technology, we pioneered Payments-as-a-Service to digitize and automate your entire cash lifecycle. Our software makes it possible to digitize receivables, automate processing, reduce time-to-cash, eliminate transaction fees, and enable new revenue.

# Accept Any B2B Payment, On Demand — No Card Reader Required

[Talk to an Expert](https://www.paystand.com/receivables/virtual-terminal#form-virtual-terminal)

## **Why Finance Teams Choose Paystand’s Virtual Terminal**

### **Zero-Fee Payment Options**

Avoid sky-high card processing rates. With Paystand's B2B network, process virtual terminal payments via ACH and bank transfers at zero transaction fees.

### **Built for AR — Not Retail**

Unlike consumer-grade virtual terminal providers, Paystand's is purpose-built for B2B accounts receivable. Pre-fill invoices, auto-apply payments, and sync with your ERP in real time.

### **Frictionless Payer Experience**

No logins. No portals. Send a secure payment link and your customer pays instantly — on desktop or mobile — with the method that works best for them.

### **One Gateway, All Payment Methods**

Accept credit cards, ACH, and bank transfers through a single virtual terminal payment gateway. No separate integrations, no duplicate reconciliation.

### **Real-Time Transaction Visibility**

Track every payment as it happens. Monitor status, fees, and cash position across your entire AR portfolio from a single dashboard.

### **PCI-Compliant and Audit-Ready**

Paystand is PCI-compliant and SOC 2 Type II certified. Every virtual terminal transaction is encrypted, logged, and available for audit at any time.

## **Don’t Just Take Our Word for It**

“It’s almost creepy how easy Paystand makes my job. It’s unbelievable how automated it is. It’s been an even better experience than we anticipated. . . We just fully trust Paystand.”

John Dybwad

Vice President of Finance & Budget, Edgewood Healthcare

## **Frequently Asked Questions**

#### 1\. What is a virtual terminal and how does it work?

A virtual terminal is a browser-based tool that lets your team manually process one-time payments — no card reader required. It's designed for phone orders, email requests, and manual payment collection in B2B environments.

#### 2\. How is a virtual terminal different from recurring payments?

A virtual terminal is built for on-demand, one-time transactions where your team initiates each payment manually. Recurring payments are automated on a schedule. Paystand supports each through distinct, purpose-built workflows.

#### 3\. What payment methods does Paystand's virtual terminal support?

Paystand's virtual terminal accepts ACH, bank transfers, and credit cards — all through a single gateway, with zero-fee options available via our B2B payment network.

#### 4\. Is Paystand's virtual terminal secure?

Yes. Paystand is PCI-compliant, SOC 2 Type II certified, and uses end-to-end encryption on all transactions. Role-based access controls and a full audit log are included by default.

#### 5\. How does the virtual terminal integrate with my ERP?

Paystand integrates natively with NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica, and others. Invoice data pre-fills automatically, payments apply on posting, and reconciliation data syncs back to your GL — no manual entry required.

## **Start Processing On-Demand B2B Payments Today**

Say goodbye to expensive hardware and manual follow-up. See how Paystand's virtual terminal fits into your AR operations.