Telephone payments made easy.

Virtual Terminal from PayPal is your one-stop payment solution.

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Your online terminal

Use Virtual Terminal to process mail order and phone payments where you have an internet connection and a modern computer, smartphone or tablet. Up to 200 staff can log in at the same time, from multiple locations.

All for just £20 per month plus transaction fee.

Virtual simplicity

Getting paid is so easy. There's no software to install. Just log in, enter the order and customer payment details and you're done. All major cards are accepted and the money should be in your PayPal account within minutes.

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Fast payments

With Virtual Terminal money is paid into your PayPal account straight away, even from cards. You don't need a traditional merchant account. You don't pay for equipment you don't want. And you're not surprised by hidden costs or set-up charges.

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Add a card reader

Add PayPal Here to take card and contactless payments in person. There are no monthly fees. The card reader is a one off purchase and then you just pay a small fee per transaction.

Explore PayPal Here

Consider our 'all-in-one'

If you want to create an online checkout for customers, consider Website Payments Pro, which you can use alongside Virtual Terminal (Note: it is not included as standard and requires additional approval).

Explore our Pro solution

Real support

We're there for you, every step of the way. Whether it's conducting powerful fraud projection for you behind the scenes or talking you through the implications of PCI compliance over the phone.

Protection against fraud

With Virtual Terminal you benefit from 3-D Secure, the industry wide initiative that adds another layer of safety to your business. Reduce unauthorised chargebacks to save time and money. We also conduct powerful fraud protection through our fraud screens, address (AVS) and card verification (CVV2) checks and 128-bit encryption.

Help with compliance

When you handle credit and debit card data directly you need to fulfil Payment Card Industry Data Security Standard (PCI DSS), also known as PCI compliance. Our dedicated customer service team will be happy to support you through this process - just ask.

Explore PCI compliance

Got questions?

We're here to help make getting paid easy. Call us on:
0800 368 7177*
*Freephone from a UK landline. However, costs from mobile may apply and are dependent on the terms of agreement with your network operator. If you are calling from outside the United Kingdom, use the following phone number: 00353 1 436 9004 (international call charges may apply)

Or contact us

Merchant Rate

You can apply for Merchant Rate pricing if you’ve processed more than £1,500 in total payments through PayPal in the previous calendar month and your account is in good standing (not currently under investigation). We will look at your total payments processed to determine your merchant rate on a monthly basis.

Merchant Rate fee table
Your monthly sales up to £1,500 £1,500.01 - £6,000.00 £6,000.01 - £15,000.00 £15,000.01 - £55,000.00 +£55,000
Transaction fee 3.4% + 20p 2.9% + 20p 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing
PayPal Here Card Reader1 2.75% 2.75% 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing

Maintaining your Merchant Rate
After qualifying for Merchant Rate pricing, you need to maintain a payment volume of more than £1,500 to remain eligible for Merchant Rates. In the event that a payment volume of more than £1,500 is not maintained in the previous calendar month, or if you have unresolved chargebacks, you will no longer be eligible for Merchant Rate pricing and Standard Rate pricing will apply. You don’t need to re-apply for Merchant Rate pricing if your payment volume drops below £1,500 in the previous calendar month. Merchant Rate will automatically apply again when you reach the qualifying payment volume.

If you’re interested in the Merchant Rate, log in to your PayPal account and apply via the online application form. In the event that your request is refused, please note that you may only submit an application once every 30 days.