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Virtual Terminal allows you take payments from your computer without a payment terminal hardware present. Virtual Terminal is a cost-effective way of processing card payments online via a the web browser on a laptop, desktop or tablet.

Zeller Virtual Terminal

Accept payments from your web browser.

What is a virtual terminal?

A virtual terminal enables you to process a payment from any browser, smartphone or computer, or send your customer a secure payment link via email or SMS. 

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No terminal required

Key in and charge card payments securely from any browser. 

Send payments

Request payments

Send payment links to customers via email or SMS to request payment.

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Add to contacts

Assign virtual terminal payments to contacts to track over time.

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Enable surcharging

One low fee per payment for all cards — or on-charge the fee to customers. 

How to get started with Virtual Terminal.

Zeller Virtual Terminal makes accepting online payments simple, secure, and affordable.

Counter – 1

Select a site

Settings you've applied to that site, such as surcharging, will also apply to Virtual Terminal payments.

Counter – 2

Add an amount

Enter the payment amount to be charged to your customer.

Counter – 3

Link a contact

Link Virtual Terminal transactions to a customer from Zeller Contact Directory, or add a new customer.

Counter – 4

Include a note

Add a note for your customer or describe the purchase.

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Send via email or SMS

Request payment from customers by sending a link via email or SMS.

Counter – 6

Process card payment

Input your customer’s card number, expiration date, CVV, and press pay.

Email and SMS payment links.

Customer card details not handy? No problem. Send a secure payment link via email or SMS.

  • Customers can enter card details privately and pay from anywhere.

  • Track virtual terminal payment status from Zeller Dashboard.

  • Copy a payment link to your clipboard, and send your own way.

Virtual Terminal Send SMS payment links

Connect payments to contacts.

Assign virtual terminal payments to customers with Zeller Contact Directory.
  • See payments made via Zeller Virtual Terminal in contact profiles. 

  • Monitor payments owed from outstanding email and SMS links sent.

  • Track customer payments over time to better manage relationships.

Virtual Terminal connect payments to contacts

Get your funds faster.

Settle virtual terminal payments to any bank account — or to your free Zeller Transaction Account for faster access.
  • Track and report on payment status by invoice.

  • Send personalised automated reminders.
  • Accept payment online quickly and securely 24/7.

Accepting payments has never been this simple.

Zeller Virtual Terminal is packed with powerful features to help you get paid faster.


Send payment links via email or SMS.


Assign virtual terminal payments to contacts.


Add transaction notes to virtual terminal payments.


Secure, 24/7 online payment acceptance.


Issue customers an email or SMS receipt.


Recover transaction fees with built-in surcharging.

Affordable pricing, with no hidden fees.

Transaction fee

1.75% +25c

For domestic cards, with separate pricing for international cards. 

Subscription fees


Free to use, with no monthly subscription fees.

Payment links


Send unlimited payment links via email or SMS.

Settlement fees


Fast nightly settlement your free Zeller Account.


Accepting in-person payments?

Zeller Terminal is an all-in-one EFTPOS solution.

Get started with Zeller today.


Sign up online.

Create a free Zeller Account online in minutes.


Accept a payment.

Accept your first payments with Zeller Virtual Terminal.


Explore Zeller.

Choose other products you'd like to use in your Zeller Account.

Frequently Asked Questions

What are the benefits of Virtual Terminals?

What's the difference between a terminal and a Virtual Terminal?

Are Virtual Terminal payments safe?

What's the difference between a MOTO payment and a Virtual Terminal payment?

Why are Virtual Terminal payments priced differently?

Are there any subscription fees to use Zeller Virtual Terminal?

Learn More About Virtual Terminals & How It Can Benefit Your Business