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myPOS Virtual Terminal MO/TO
The company story says London was the company's headquarters in 2017.
What it is
myPOS Virtual Terminal MO/TO lets a business accept card payments when customers pay by phone or email. It works on a computer, phone, or tablet with an internet connection and requires no installation, complex integration, or additional hardware. Businesses can grant specific employees access to take payments, then track transactions in real time from any location through the myPOS Mobile app. The product page says completed payments are settled immediately into the myPOS merchant account. Businesses apply through that account, and myPOS confirms whether they are eligible. The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction; there is no monthly fee, but transaction fees apply. The displayed tariff table is described as a concise summary with a link to a fuller breakdown. The product page says customer card information cannot be accessed once a transaction is complete. The UK pricing page lists 24/7 customer support as free.
For and against
For
- Accepts remote card payments by phone or email
- Works on internet-connected computers, phones, and tablets
- No installation or extra hardware required
- Transactions can be tracked through the myPOS Mobile app
- Completed payments settle immediately into the merchant account
Against
- myPOS approval is required for eligibility
- A per-transaction fee applies
- UK tariff table links to a fuller breakdown
The verdict
MO/TO Virtual Terminal is a browser-based option for taking remote card payments without installing software or adding hardware. Businesses should account for the online payment fee plus 0.5% per transaction and confirm eligibility with myPOS.
Who it suits
This terminal suits businesses that need to take card payments remotely by phone or email, including when employees handle payments. Eligibility must be confirmed by myPOS after applying from a merchant account.
Plans and prices
MO/TO Virtual Terminal
Requires free e-money account · eligibility approval · internet-connected computer, phone or tablet
Read 15 Oct 2026 · mypos.com
Card-not-present online payments
Under €10,000 monthly turnover pricing shown · over €10,000 requires custom offer
Read 15 Oct 2026 · mypos.com
MO/TO payments
Card-not-present pricing · UK-issued cards treated as non-EEA
Read 15 Oct 2026 · mypos.com
On the record
- API capabilities
- The API catalogue includes Checkout, Payment, PSD2 open banking and Cash Register Remote APIs with purchase, refund, preauthorization, webhooks and remote fiscal receipt functions.developers.mypos.com · read 15 Oct 2026
- Application process
- Activation requires logging into the merchant account, applying under Take payments, and passing an eligibility review.mypos.com · read 15 Oct 2026
- Company headquarters
- Crunchbase lists London, England, United Kingdom as the headquarters.crunchbase.com · read 15 Oct 2026
- Company history
- myPOS says its idea began in 2012 and that it was presented at Mobile World Congress in 2014 as a platform offering instant payouts.mypos.com · read 3 Oct 2026
- Company legal name
- Crunchbase lists the legal name as myPOS World Ltd., also known as myPOS Europe Ltd.crunchbase.com · read 15 Oct 2026
- Company origin
- myPOS says its idea began in 2012 and that the platform launched publicly at Mobile World Congress in 2014.mypos.com · read 15 Oct 2026
- Company scale
- myPOS reported a 600-person international team for its 2024 tenth-anniversary celebration.mypos.com · read 15 Oct 2026
- Customer-card retention
- The product page states that customer card information cannot be accessed after a transaction is completed.mypos.com · read 15 Oct 2026
- Developer documentation
- The portal provides getting-started guides, sandbox and test-card instructions, API references, troubleshooting and migration guidance.developers.mypos.com · read 15 Oct 2026
- Device access
- It works on a computer, phone or tablet with an internet connection.mypos.com · read 3 Oct 2026
- Device coverage
- The virtual terminal is advertised for computers, phones and tablets, requiring only an internet connection.mypos.com · read 15 Oct 2026
- Eligibility
- Businesses apply from the myPOS merchant account, and myPOS confirms whether the business is eligible for the service.mypos.com · read 3 Oct 2026
- Employee access
- Merchants can grant specific employees access to take payments.mypos.com · read 15 Oct 2026
- Hosted checkout security
- The eCommerce API says hosted checkout keeps card data off the merchant server and provides PCI compliance out of the box.developers.mypos.com · read 15 Oct 2026
- Installation
- The virtual terminal requires no software installation, extra hardware or complex integration.mypos.com · read 15 Oct 2026
- Integration requirements
- The online integration guide requires public-IP requests, PHP 5.4.8 or later for its PHP SDK, and an HTTPS URL_Notify endpoint returning HTTP 200 with body OK.developers.mypos.com · read 15 Oct 2026
- Licence status
- The reviewed developer and GitHub pages expose SDK source and usage instructions but do not identify an open-source licence or self-hosting option.github.com · read 15 Oct 2026
- Limit: app pricing complaint
- A recent Google Play review complains that fees had risen to almost 3% per transaction.play.google.com · read 15 Oct 2026
