Best Virtual Terminals with a Free Trial

Compare the Top Virtual Terminals with a Free Trial as of January 2026

What are Virtual Terminals with a Free Trial?

A virtual terminal is an online tool used to process payment transactions. It connects customers to a secure payment gateway and enables merchants to accept credit card payments from anywhere, any device. Virtual terminals are especially useful for businesses that do not have access to physical checkout equipment or lack the resources to set up traditional methods of processing payments. These terminals provide a convenient alternative when dealing with customers who prefer online transactions rather than face-to-face interactions. Compare and read user reviews of the best Virtual Terminals with a Free Trial currently available using the table below. This list is updated regularly.

  • 1
    NMI Payments
    NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently.
    View Software
    Visit Website
  • 2
    Square Payments
    Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on.
    View Software
    Visit Website
  • 3
    SpotOn

    SpotOn

    SpotOn

    SpotOn is one of the most comprehensive, integrated POS systems on the market. From cloud-based POS to commission-free online ordering and reservations to labor management software, it offers everything the modern restaurateur needs -- with none of the headaches that you get with other big POS companies, like long-term contracts, surprise fees and rate hikes, and impersonal service. SpotOn excels in serving full-service restaurants, bars, and nightlife venues by providing a single, integrated system to run their business. Designed with speed in mind, the SpotOn Restaurant point-of-sale includes easy-to-read table layouts, the ability to quickly add items to an order, and make menu changes on the fly. The platform includes email marketing, review management, and the industry’s best reporting and analytics - all in a single, integrated dashboard that’s available anywhere your business takes you.
    Starting Price: $0/month
  • 4
    Paytia

    Paytia

    Paytia

    Take secure & compliant payments over the phone and get real-time authorisation. With Paytia your customers use their keypad to communicate card data securely. They're protected, trust in your business is increased — plus it's no longer exposed to fines and charges for breaking payment-security rules. Paytia’s PCI-DSS certified phone-payment solutions give your customers the same protection they expect which shopping in-store or online, which means you no longer need to hear or store their card data.
    Starting Price: From $11.10
  • 5
    SimplyPayMe

    SimplyPayMe

    SimplyPayMe

    SimplyPayMe enables seamless payments, invoicing and simple business management solutions, all through your smartphone. 100% cloud-based, with low transaction rates and free subscription plans available, our aim is to make your working life simpler. SimplyPayMe works on all Apple and Android devices, as well as on web browsers, meaning you can use it nearly anywhere to take payments. No other hardware needed. You can still use the app without an internet connection*, as all changes will automatically sync up as soon as you’re back online. Get paid in minutes using only your mobile. No card reader required. Free subscription plan and no obligation. Take payments anywhere, anytime with SimplyPayMe’s flexible, low-fee payment options. With straightforward status tracking and paperless receipts, SimplyPayMe manages your payments from quotes to completion. With your smartphone or tablet and a 3G connection, you can process card payments as well as any bricks and mortar retailer.
    Starting Price: £10 per month
  • 6
    MagicPay

    MagicPay

    MagicPay Merchant Services

    Credit Card Processing & Merchant Services Simplified. Complete Payment Processing Solutions For Your Business Established in 2012, MagicPay Merchant Services has been providing merchant account services to thousands of merchants worldwide. Our credit card processing, ACH and eCheck solutions, along with our point-of-sale systems will support your business every step of the way, building successful business environment. Free EMV Terminal. Get a FREE credit card terminal, works with Dial-Up or Ethernet connection. Point-of-Sale Systems. Manage your business like a pro. Retail & restaurant POS solutions. Wireless Terminals. Take payments anywhere, with on-screen signature capture. Mobile Payments. Accept payments using your smartphone or tablet with our Bluetooth card reader. Online Payments Virtual terminal, recurring billing, electronic invoicing & E-Commerce. Multi-Currency Processing. Accept payments in 120+ currencies and settle in USD.
    Starting Price: $15 per month
  • 7
    Blackthorn Payments

    Blackthorn Payments

    Blackthorn.io

    Custom fields, pre-populated values using field mappings, and auto-deployed buttons, are all out-of-the-box features of our Virtual Terminal. Automatic reattempt logic with reattempt number tracking allows you to customize your business process through Process Builder. With each reattempt, you can email your customer for a new card, create a task, run reports, and more. Roll-up fields are auto-deployed to Transaction Parents, helping users view totals. Retained revenue is auto-calculated for each Transaction if refunds were processed. These and more combine for reduced setup time and cost. Simple, no code receipt management using Workflow or Process Builder. You can have different receipts per company with logic you define by point-and-click. Using custom settings and custom metadata by point-and-click, you can manage: reattempt settings, Apex validations, terminal field population and more.
    Starting Price: $575 per month
  • 8
    Web Payment Software

    Web Payment Software

    Mountain Media

    Web Payment Software™ offers merchants a cost-plus pricing model that can deliver rates as low as 0.4%. That would be a savings of $2.50 on a $100.00 transaction when compared to the bigger players in the industry. We also don't nickel and dime you with gateway, transaction and batch fees. Or fees for Address Verification Service (AVS) and fraud protection. Learn more about why our merchant accounts cost less. Web Payment Software™ also offers payment features like Payment Pages, Recurring Payments, Virtual Terminal as well as Next Generation Point of Sale solutions that can help streamline your business process.
    Starting Price: $15.99 per month
  • 9
    RevUP POS

    RevUP POS

    Impact TechLab

    RevUP POS offers an all-in-one POS solution designed to simplify business operations for small to medium-sized enterprises. With features that include payment processing, inventory management, and customer relationship tools. With the RevUP POS mobile app, businesses can efficiently manage operations from anywhere, supporting both Android and iOS platforms. Its user-friendly interface and seamless integration make it an ideal choice for retailers, restaurants, and service providers looking to enhance their operational effectiveness and improve customer experiences.
  • 10
    SwipeSimple

    SwipeSimple

    CardFlight

    SwipeSimple is the best way for small businesses to accept payments anywhere, on the go, in their store, and at their computer. Turns any iOS or Android device into a versatile credit card terminal. Several options available to merchants who want to accept payments in person. Gives merchants access to virtual terminal, invoices, payment links, and more. The SwipeSimple mobile app gives you everything you need to swipe, dip, or key-in credit cards no matter where you are. Item catalog helps you ring up your most popular items. Receipt printers are available, or send email or SMS text receipts instantly. With an optional SwipeSimple card reader, you can accept physical credit cards with support for swipe, dip, and contactless tap. The SwipeSimple Mobile App is packed with advanced features designed to make running your business easier than ever. Get cloud-based inventory, item tracking, and real-time transaction history right at your fingertips.
  • Previous
  • You're on page 1
  • Next