Streamline Payments Anywhere

Stacks Technology Virtual Terminal

Unlock seamless transactions and unparalleled flexibility for your business, no matter the size or location. Discover how integrating Stacks Technology Virtual Terminal can revolutionize your payment processing and raise your bottom line.

Business owner taking a payment via a virtual terminal

Virtual Terminal for Modern Businesses

Stacks Technology is at the forefront of digital payment solutions, pioneering innovative technologies designed to simplify and secure transactions for businesses worldwide. Our mission is to empower merchants, big and small, with tools that not only meet their current needs but also scale for future growth. 

Eliminate credit card processing fees
Ease of Use
Seamless integration into existing POS systems
Cost Efficiency
Cash vs. credit card incentives
Ironclad Approvals for Merchants
Customer Trust
Brian Anderson, CFO

Steven Martinez


With Stacks we unlocked an entirely new revenue channel —their cash discount program earned us 17% more margin that we reinvested to fund rapid expansion.

Catherine White, Founder

Catherine White


Utilizing Stacks’ integrated payment solutions and customizable POS future-proofed our systems while boosting profit on every transaction

James Allen

Financial Director

Once Stack streamlined our payments ecosystem, we realized a 21% increase in annual profitability and used the lift to hire talent to support larger omni-channel growth.

Process Payments Anytime, Anywhere

Stacks Technology’s Virtual Terminal is a cornerstone of modern e-commerce and in-person transactions, providing a secure, flexible platform for processing payments without the need for physical hardware. 

Agile Point-of-Sale Transactions

Our Virtual Terminal enables users to process payments from any location, as long as there’s an internet connection — allowing you to extend your sales reach beyond traditional boundaries.

Automated Billing Cycles

Setting up subscription-based or recurring billing is a straightforward process, allowing businesses to automate their billing cycles. This feature is perfect for service providers and subscription models, reducing administrative workload and ensuring steady cash flow with minimal effort.

Enhanced Team Collaboration

Our Virtual Terminal is designed to accommodate multiple users, making them an ideal payment solution for businesses of all sizes. From granting different levels of access to managing transactions across various departments or locations, Stacks Technology streamlines operations and enhances team collaboration.

Secure payments with Stacks Virtual Terminal

Advanced Security Features

Security is paramount at Stacks Technology. Our Virtual Terminal comes equipped with advanced security features, including encryption and fraud detection, to protect sensitive data. Businesses can trust that their transactions and customer information are secure, adhering to the highest standards of payment industry compliance.

WAVit Cash Discount Pricing

WAVit is Stacks’ proprietary cash discount software that allows merchants to customize payment options for their customers — allowing for purchasing flexibility on every product. With WAVit’s cash discount model, you can save on processing fees and raise your margins on every transaction.

Get Stacks Now

Start Driving Sales and Maximizing Every Transaction with Cutting-Edge Virtual Terminals

Have Questions? We Have Answers.

Virtual terminals are online systems that allow businesses to process credit and debit card payments without the need for physical payment terminals. They enable merchants to enter payment details manually via a web interface, facilitating transactions received through various channels such as phone, mail, or online, making it possible to accept payments remotely from anywhere with an internet connection.

An example of a virtual terminal is the Stacks Technology Virtual Terminal, which offers businesses the ability to process payments through a secure, web-based interface without the need for physical hardware, allowing for transactions via phone, mail, or online.

The main difference between a POS (Point of Sale) system and a virtual terminal is that a POS system is designed for in-person transactions, typically involving physical hardware for processing card payments at retail locations.

In contrast, a virtual terminal is a web-based application that allows businesses to manually enter payment information received via phone, mail, or online, enabling payment processing without physical interaction with the customer’s card.

A physical terminal is a device used to process credit or debit card payments in person, requiring the card to be swiped, inserted, or tapped. Conversely, a virtual terminal is a web-based application that allows merchants to process payments without a physical card present, by manually entering payment details received via phone, mail, or online, making it versatile for remote transactions.

A virtual terminal protocol is needed to ensure secure, efficient, and flexible payment processing in scenarios where physical card transactions are not possible. It allows businesses to accept payments remotely, expanding their capacity to serve customers via phone, mail, or online. This protocol also supports various business models by facilitating immediate payment processing without the need for specialized hardware, making it essential for enhancing operational efficiency and customer convenience.

The most commonly used protocol for a virtual terminal is the Secure Sockets Layer (SSL) or its successor, Transport Layer Security (TLS). These protocols ensure secure data transmission between the virtual terminal and the payment processor by encrypting the information to protect it from unauthorized access or fraud during online transactions.