Accept approved payments from a web browser, smartphone, or tablet with CardPointe Virtual Terminal and CardPointe Mobile.
CardPointe gives service businesses, professional offices, mobile merchants, and multi-channel sellers flexible ways to accept card-present and card-not-present payments while keeping activity connected to CardPointe reporting and customer-management tools.
CardPointe Virtual Terminal
The Virtual Terminal allows an authorized user to accept approved credit and debit card payments from a web browser. It can support card-not-present entry for telephone and remote transactions and connect with compatible devices for supported card-present EMV acceptance.
- Browser-based acceptance: take approved payments from a computer without relying on a traditional standalone terminal.
- Card-not-present transactions: enter customer payment information for authorized phone and remote orders.
- Integrated devices: pair selected compatible readers for supported EMV card-present acceptance.
- Custom receipts: add approved business messaging and deliver receipts for completed transactions.
- Connected reporting: review Virtual Terminal activity through CardPointe Desktop reporting.
- Customer management: support approved saved-payment and repeat-customer workflows through tokenization.
CardPointe Mobile
CardPointe Mobile extends payment acceptance to compatible Apple and Android phones or tablets. With an approved reader, merchants can accept supported EMV chip and NFC/contactless payments away from a fixed counter.
- Mobile app: access CardPointe tools from compatible iOS and Android devices.
- EMV and NFC: use an approved reader for supported chip and contactless transactions.
- Cash tracking: record cash payments in the app for consolidated activity reporting.
- Mobile customer service: accept payments at jobsites, events, client locations, throughout a store, or wherever the merchant is approved to operate.
- Connected reporting: keep mobile transaction activity visible within CardPointe.
Compatible Device Examples
Current partner materials identify ID TECH VP3300 for CardPointe mobile SDK workflows and ID TECH Augusta for supported desktop or Virtual Terminal use. CardPointe Integrated Terminal options can include selected Ingenico Lane devices, iSMP4, Clover Mini, and Clover Flex. Device support depends on the exact application, processor, certification, connection method, encryption, and merchant account.
Best Fits
- Professional offices taking authorized payments by phone
- Contractors and field-service businesses
- Events, delivery, mobile sales, and pop-up merchants
- Businesses using a computer as the checkout interface
- Multi-location or multi-channel businesses that want connected reporting
- Repeat-customer businesses using supported tokenized payment methods
Card-Present vs. Card-Not-Present
A chip or contactless transaction captured through an approved device is generally card-present. Manually entering card information from a phone order is card-not-present. These transaction types can have different interchange, processing costs, verification methods, fraud exposure, and chargeback risk.
VCCP helps merchants select the appropriate workflow, equipment, AVS and verification settings, receipt practices, customer authorization, and processing configuration.
Security
- P2PE: supported devices use PCI-validated point-to-point encryption to protect card data through the transaction lifecycle.
- Tokenization: replace sensitive payment details with non-reversible tokens for supported customer and repeat-payment workflows.
- EMV: use certified chip acceptance to reduce counterfeit-card exposure.
- PCI tools: manage applicable compliance requirements through CardPointe resources.
Related CardPointe Options
- CardPointe Platform — compare reporting, recurring billing, terminals, security, account updater, and integrations.
- CardConnect Merchant Services — review the processing and merchant-services relationship behind CardPointe.
- Mobile Card Processing — compare CardPointe with SwipeSimple, NMI, Clover, PAX, and other mobile options.
- POS Equipment Guide — compare readers, countertop terminals, smart devices, and customer-facing equipment.
Frequently Asked Questions
What is CardPointe Virtual Terminal?
It is a browser-based payment interface for approved card-not-present transactions and supported device-connected card-present acceptance.
Can CardPointe take telephone payments?
Yes. Authorized users can enter approved card-not-present payments through the Virtual Terminal.
Does CardPointe have a mobile app?
Yes. CardPointe Mobile is available for compatible Apple and Android devices.
Can CardPointe Mobile accept contactless payments?
With a supported mobile reader and merchant configuration, CardPointe Mobile can accept approved NFC/contactless transactions.
Can I use any Bluetooth reader?
No. The reader must be supported for the CardPointe application, processor, mobile device, encryption, firmware, and merchant configuration.
Can the Virtual Terminal accept chip cards?
The Virtual Terminal can connect with selected compatible devices for supported EMV card-present acceptance.
Are manually entered transactions priced differently?
They may be. Card-not-present transactions can have different interchange, fees, verification, and risk than chip or contactless payments.
Choose a Remote or Mobile CardPointe Setup
Tell VCCP whether you take payments by phone, from a computer, at customer locations, or through a mobile device. We will compare the Virtual Terminal, mobile readers, integrated devices, and other available platforms.