Virtual Terminal

Virtual Terminal is part of our all-inclusive PayPal Payments Pro solution.

Turn your computer into a credit card terminal.

Simply log in to your PayPal account and instantly process phone, fax and mail orders online.

  • No card swiper to buy, no software to install
  • Use it anywhere you access the Internet
  • Accept
    Visa, Master Card,American Express, Discover, PayPal
    (See Pricing)
Get Started
Call: 1-866-745-4036

Accept credit cards virtually anywhere.

Use Virtual Terminal wherever you have Internet access-at your office, at a trade show, even at the airport. To take a credit card order, simply log in to your PayPal account and enter the payment details into the secure Virtual Terminal order form. We’ll process the payment and send you a confirmation.
How it works

Stay on top of your orders.

View easy-to-read reports of your account activity, quickly find a specific transaction and accept payments in up to six major currencies. All from one easy place, your PayPal account. Our customer service reps are on hand to help resolve any issues and make sure everything runs like clockwork.

Avoid expensive equipment.

Virtual Terminal is an affordable alternative to card swipe machines, letting you process credit cards quickly and securely online. We also offer a card swiper that plugs directly into your computer’s USB port and automatically adds the payment info to the Virtual Terminal order form. Call 1-866-745-4036 for details.

PayPal allows me to accept credit cards without having any real equipment.

— Christine Blumer, Wine Consultant

Get your money in minutes.

Once approved, the money quickly arrives in your PayPal account. From there, transfer it to your bank account, spend it wherever PayPal is accepted or use your PayPal Debit Card1 at the ATM or in stores. PayPal Debit Card You have fast access to your PayPal account, plus the PayPal Debit MasterCard® offers 1% cash back whenever you sign for purchases. Watch a Demo
1 You can apply for the PayPal Debit Card MasterCard® Business Card after your PayPal account has been in good standing for 60 days.

Virtual Terminal is just the start.

Want to start selling on your website? Or accept credit cards with your smartphone? When you sign up for Virtual Terminal, you also get our complete lineup of payment tools at no extra cost. Learn More

Get Started
Call: 1-866-745-4036


  • $30 monthly fee
  • No early termination fee
  • No setup charge
  • No withdrawal fee
$0 to $3,0003.1% + $0.30$3.40 fee on a $100 sale
$3,000+ to $10,0002.7% + $0.30$3.00 fee on a $100 sale
$10,000+2.4% + $0.30$2.70 fee on a $100 sale


If your transactions average less than $10, you could save money with our "5% plus 5¢" rate.

The pricing table above applies to domestic payments in US dollars. There's an additional 2.5% charge for any currency conversion and a 1% charge to receive payments from another country.

*Merchant Rate Qualification Required

When your monthly sales exceed $3,000 and you've been a PayPal member more than 90 days, please fill out a one-time application, subject to approval.

View All Merchant Fees

What do my customers see?