Best Virtual Terminal Software in 2026
Updated
In short: Helcim is ranked #1 of 25 as of 4 October 2026, ahead of NMI and SwipeSimple. The best-ranked option with a free plan is myPOS Virtual Terminal MO/TO. The lowest first paid tier on this page is Dojo at % 11.99/mo.
Businesses handling payments remotely can compare virtual terminal software by the transaction options and records it supports. Look at payment methods and currency support alongside refunds, invoices, and recurring payments to see which functions align with your payment workflow. Customer records may also be relevant when you need details associated with transactions. Supported platforms indicate where the software can be used, while free-plan availability and paid-from pricing add cost context. Dojo, PayPal Invoicing, and myPOS Virtual Terminal MO/TO are among the named entries. Consider which payment and record-keeping capabilities fit the way your business takes payments.
25 virtual terminal software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 Helcim iPhone + Android RecognisedPhone appDocumentedFree plan 9.2Free
- 2 NMI iPhone + Android RecognisedPhone appDocumentedFree plan 8.7 Recurring payments: Yes
- 3 SwipeSimple iPhone + Android RecognisedPhone appDocumentedFree plan 8.5 Recurring payments: Yes
- 4 myPOS Virtual Terminal MO/TO iPhone + Android RecognisedPhone appDocumentedFree plan 8.2Free Payment methods: cards onlyRefunds: Yes
- 5 Payline Virtual Terminal iPhone + Android RecognisedPhone appDocumentedFree plan 8.0 Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 6 Redde Virtual Terminal iPhone + Android RecognisedPhone appDocumentedFree plan 7.8 Payment methods: cards and bank paymentsRecurring payments: Yes
- 7 Dojo iPhone + Android RecognisedPhone appDocumentedFree plan 7.8% 11.99/mo
- 8 Global Payments iPhone + Android RecognisedPhone appDocumentedFree plan 7.7 Recurring payments: Yes
- 9 EBizCharge Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 7.2 Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 10 CoreGateway Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 7.1$15/mo Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 11 PayJunction Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 7.1 Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 12 Authorize.net No phone app RecognisedPhone appDocumentedFree plan 7.0$25/mo Recurring payments: Yes
- 13 Paymentsense Virtual Terminal iPhone + Android RecognisedPhone appDocumentedFree plan 6.9 Payment methods: cards onlyRecurring payments: Yes
- 14 GivePayments Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 6.5 Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 15 Cybersource No phone app RecognisedPhone appDocumentedFree plan 6.3 Recurring payments: Yes
- 16 Moneris Merchant Resource Center No phone app RecognisedPhone appDocumentedFree plan 6.3 Recurring payments: YesRefunds: Yes
- 17 Chase Orbital Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 6.2 Payment methods: cards onlyRecurring payments: YesRefunds: Yes
- 18 Cashflows Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 6.1 Payment methods: cards onlyRefunds: Yes
- 19 Square Online No phone app RecognisedPhone appDocumentedFree plan 6.0Free
- 20 Fluid Pay Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 5.9 Payment methods: cards and bank paymentsRefunds: Yes
- 21 Argent Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 5.4 Recurring payments: Yes
- 22 STEPpay Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 5.4 Payment methods: cards and bank paymentsRecurring payments: YesRefunds: Yes
- 23 PayLolly Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 5.1 Payment methods: cards and wallets
- 24 Blackbaud Merchant Services Virtual Terminal No phone app RecognisedPhone appDocumentedFree plan 4.9 Payment methods: cards onlyRecurring payments: NoRefunds: Yes
- 25 Worldline Food Services Payments Suite No phone app RecognisedPhone appDocumentedFree plan 4.6
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Payment methods | Recurring payments |
|---|---|---|---|---|---|---|---|---|
| 1 | Helcim | 9.2 | Free plan | Free | No | — | — | — |
| 2 | NMI | 8.7 | No | — | — | — | — | Yes |
| 3 | SwipeSimple | 8.5 | No | — | — | — | — | Yes |
| 4 | myPOS Virtual Terminal MO/TO | 8.2 | Free plan | Free | Yes | — | cards only | — |
| 5 | Payline Virtual Terminal | 8.0 | No | — | No | — | cards and bank payments | Yes |
| 6 | Redde Virtual Terminal | 7.8 | No | — | No | — | cards and bank payments | Yes |
| 7 | Dojo | 7.8 | Free plan | % 11.99/mo | Yes | — | — | — |
| 8 | Global Payments | 7.7 | No | — | No | — | — | Yes |
| 9 | EBizCharge Virtual Terminal | 7.2 | No | — | No | — | cards and bank payments | Yes |
| 10 | CoreGateway Virtual Terminal | 7.1 | No | $15/mo | No | — | cards and bank payments | Yes |
| 11 | PayJunction Virtual Terminal | 7.1 | No | — | No | — | cards and bank payments | Yes |
| 12 | Authorize.net | 7.0 | No | $25/mo | No | 25 /mo | — | Yes |
| 13 | Paymentsense Virtual Terminal | 6.9 | No | — | No | — | cards only | Yes |
| 14 | GivePayments Virtual Terminal | 6.5 | No | — | — | — | cards and bank payments | Yes |
| 15 | Cybersource | 6.3 | No | — | — | — | — | Yes |
| 16 | Moneris Merchant Resource Center | 6.3 | No | — | — | — | — | Yes |
| 17 | Chase Orbital Virtual Terminal | 6.2 | No | — | No | 9.95 /mo | cards only | Yes |
| 18 | Cashflows Virtual Terminal | 6.1 | No | — | — | — | cards only | — |
| 19 | Square Online | 6.0 | Free plan | Free | Yes | — | — | — |
| 20 | Fluid Pay Virtual Terminal | 5.9 | No | — | — | — | cards and bank payments | — |
| 21 | Argent Virtual Terminal | 5.4 | No | — | — | — | — | Yes |
| 22 | STEPpay Virtual Terminal | 5.4 | No | — | — | — | cards and bank payments | Yes |
| 23 | PayLolly Virtual Terminal | 5.1 | No | — | — | — | cards and wallets | — |
| 24 | Blackbaud Merchant Services Virtual Terminal | 4.9 | No | — | — | — | cards only | No |
| 25 | Worldline Food Services Payments Suite | 4.6 | No | — | — | — | — | — |
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which virtual terminal software is ranked first on Samsung Mobile US Press?
Helcim is ranked #1 of 25 with a score of 9.2. NMI is second and SwipeSimple third.
How many of these have a free plan?
4 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Dojo has the lowest first paid tier we found: % 11.99/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.