Turn your computer into a credit card terminal.

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

How Virtual Terminal works

Step 1:
You log in to Virtual Terminal.

When you're ready to process a payment, go to PayPal.com and log in to your account. Click the link for Virtual Terminal.

Step 2:
You enter the order.

Enter the order details and credit card information. If you're mailing an item, include the shipping info.

Step 3:
You complete the transaction.

You'll receive a confirmation for successful transactions. You'll then have the option to print a receipt or packing slip—or process another payment.

Step 4:
You get paid. (The fun part.)

When your customer's payment hits your PayPal account, transfer the money to your bank account (bank transfers usually take 2–3 days to clear) or spend it online anywhere PayPal is accepted.

With a PayPal Business Debit MasterCard, you can spend your balance anywhere MasterCard is accepted or withdraw it as cash at ATMs.

You can 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 Business Debit MasterCard® at the ATM or in stores. You have fast access to your PayPal account, plus the PayPal Business Debit MasterCard offers 1% cash back whenever you sign for purchases.

Only $30/month, with no setup or termination fees.

Access the convenience of Virtual Terminal for only $30/month, with no setup, termination, or withdrawal fees in the U.S. Per transaction fees of 3.1% + $0.30 help keep your costs under control.

See pricing details


• $30 monthly fee • No setup charge • No early termination fee • No withdrawal fee
$0 to $3,000 3.1% + $0.30 $3.40 fee on a $100 sale
$3,000+ to $10,000 2.7% + $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

View all merchant fees

Virtual Terminal is just the start.

Want to start selling on your website? Process credit cards online 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 about PayPal Payments Pro

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

Christine Blumer, Wine Consultant

Accept credit card orders by phone, fax and mail.

Get Started Today

Merchant Services and Business Products