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GivePayments Virtual Terminal
Phoenix, Arizona, United States
What it is
GivePayments Virtual Terminal turns a browser into a payment terminal for card transactions taken by phone, mail order, or invoice, without dedicated hardware. Merchants can key telephone and mail-order payments for real-time approval or decline, or send a hosted page where customers enter card details themselves. With consent, cards can be stored for repeat billing, and refunds or voids are available from the same screen. Keyed entries are checked through AI fraud screening plus AVS, CVV, velocity, pattern, and behavioral controls. Eligible commercial-card payments can include Level 2 tax and customer-code data or Level 3 line items. Connections include WooCommerce, Shopify, other carts, QuickBooks, CRM and ERP systems, and webhook automation. The API offers tokenization, hosted pages, webhooks, SDKs, recurring billing, and card and ACH processing. GivePayments says its PCI DSS Level 1 infrastructure keeps card data out of merchant systems. Underwriting sets final rates, and higher-risk accounts may have rolling reserves.
For and against
For
- Browser payments without dedicated hardware
- Hosted pages for customer-entered cards
- Refunds and voids in one screen
- AI and rule-based fraud checks
- API supports card and ACH processing
Against
- Pricing is on request
- Underwriting sets final processing rates
- Higher-risk accounts may have rolling reserves
- Single-currency support
The verdict
GivePayments Virtual Terminal covers keyed, hosted, recurring, and integrated payment workflows with extensive fraud controls. Its underwriting-based pricing and possible reserves require attention before onboarding.
Who it suits
It suits merchants needing browser-based, keyed, hosted, recurring, or invoice payments, especially in high-risk sectors. Developers can use its API and webhook tools for custom payment flows.
Plans and prices
Travel & tour operators
Advance-booking models supported
Read 1 Oct 2026 · givepayments.com
SaaS, courses, fitness, pet, moving, retail, property
Standard mid-risk band
Read 1 Oct 2026 · givepayments.com
B2B, invoicing & pay-by-link
Level 2/3 data can lower interchange
Read 1 Oct 2026 · givepayments.com
Subscription & continuity billing
Dunning + account-updater included
Read 1 Oct 2026 · givepayments.com
Nutraceuticals & supplements
Continuity-billing ready · FTC-compliant offers
Read 1 Oct 2026 · givepayments.com
Peptides, GLP-1 & telehealth
Reserve typically 10–15% · LegitScript required for GLP-1/Rx models
Read 1 Oct 2026 · givepayments.com
Dropshipping & high-risk e-commerce
Depends on fulfillment model and dispute rate
Read 1 Oct 2026 · givepayments.com
Ticket brokers & event resale
Advance-sale exposure factored in
Read 1 Oct 2026 · givepayments.com
Tobacco & vape
Age-verification required
Read 1 Oct 2026 · givepayments.com
On the record
- B2B data
- Eligible commercial-card transactions can include Level 2 data such as tax amount and customer code and Level 3 line-item data.givepayments.com · read 1 Oct 2026
- Compliance
- Before boarding, GivePayments reviews licensing, certifications, KYC/AML procedures, card-network rules, KYB, beneficial ownership, and OFAC and PEP screening.givepayments.com · read 1 Oct 2026
- Core function
- The virtual terminal turns any browser into a secure payment terminal for card payments by phone, mail order, or invoice without hardware.givepayments.com · read 1 Oct 2026
- Developer API
- The API provides tokenization, hosted payment pages, webhooks, SDKs, recurring billing, and card and ACH processing.givepayments.com · read 1 Oct 2026
- Fraud controls
- Every keyed entry is screened with AI fraud screening, AVS, CVV, velocity, pattern, and behavioral checks.givepayments.com · read 1 Oct 2026
- Integrations
- GivePayments connects with WooCommerce, Shopify, other carts and stacks, QuickBooks, CRM and ERP systems, and webhook-based automation.givepayments.com · read 1 Oct 2026
- Invoice links
- Merchants can send a hosted payment page when customers should enter their own card details.givepayments.com · read 1 Oct 2026
- MOTO payments
- It supports mail-order and telephone-order payments with real-time approval or decline.givepayments.com · read 1 Oct 2026
- Notable limit
- The final processing rate is set by underwriting based on vertical, volume, average ticket, and chargeback history, and higher-risk accounts may carry a rolling reserve.givepayments.com · read 1 Oct 2026
- Refunds and voids
- Refunds and voids can be run from the same virtual-terminal screen.givepayments.com · read 1 Oct 2026
- Security
- GivePayments says it operates on PCI DSS Level 1 infrastructure, with tokenization and hosted pages that keep card data out of merchant systems.givepayments.com · read 1 Oct 2026
- Stored cards
- With consent, merchants can keep a card on file for customers they bill repeatedly.givepayments.com · read 1 Oct 2026
- Support
- GivePayments says it provides US-based support for American merchants on domestic, USD-settling accounts.givepayments.com · read 1 Oct 2026
- Target customers
- The processor is built for high-risk verticals that mainstream processors decline, including supplements, subscriptions, coaching, peptides, nonprofits, platforms, and B2B.givepayments.com · read 1 Oct 2026
