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Virtual Merchant Services makes it easy to compare and get the best rates in a few simple steps. When merchant providers compete for your business, you win!

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Virtual Merchant Account - Payment Gateway Devices

Virtual Merchant

What is a virtual merchant? The definition of a virtual merchant is a business that provides goods and services with the flexibility to accept payments anywhere. Here are a few examples. A virtual dealer may have a computer with a virtual terminal, an e-commerce website to accept online payments, use a credit card terminal at their place of business with a point of sale system, or use a mobile app to take payments at a trade show.

With today’s technology, it’s easier than ever to accept credit card payments. Virtual merchants have many options to receive payments. Some of the most popular payment options include a virtual terminal on a computer, mobile phone, tablet, or shopping cart. Additionally, you can accept payments by mail or telephone, mobile devices with an app, or traditional credit card terminals with a POS. The advantage of this type of credit card processing is having all these payment options combine with one merchant account.

Saving on a virtual merchant account, virtual terminal, payment gateway, or credit card processing has never been easier. We’ve made it easy to compare merchant service providers and rates, so you know you’re getting the best deal on merchant services for your online store, e-commerce site, or brick and mortar store.

How Does a Virtual Merchant Account Work?

A merchant account, payment gateway, and virtual terminal converge to deliver the means to accept credit card payments online. The best merchant service providers offer a free virtual terminal, competitive pricing, and a free mobile app for processing payments. Virtual Merchant Services’ goal is to help you find the right merchant provider, hardware, and pricing that works best for your business. Complete our simple merchant connect form, and you’ll get multiple rate quotes to compare from the top virtual merchant providers in the market.

Latest News: We’ve partnered with a leading SETC provider to help self-employed merchants get up to $32,200 from the IRS as part of the COVID relief fund. Find out if you qualify for a refund here through The SETC Tax Program.

Virtual Merchant Account Credit Card Terminals

How to Save On Credit Card Processing

Not all credit card processing companies are created equal. When selecting a merchant services provider and merchant account, here’s a checklist of some questions to ask before making your final decision:

  • Is there any Setup Fees or Up Front Costs?
  • Is there 24/7/365 Live Customer Support?
  • Is there a Free Online Login Portal with Reporting?
  • Is there Free Hardware Included?
  • Is there a Free Virtual Terminal?
  • Will they Meet or Beat any Pricing Model?
  • Are the Company Online Reviews Positive?
Accept Mobile Online Payments With a Mobile Card Reader

What’s a Payment Gateway?

A payment gateway is a payment service, like AuthNet Gateway, that is converged with a merchant account to authorize and settle credit card payments for mobile merchants, online businesses, e-commerce, retail stores, service-based businesses, and traditional storefronts. Complete our form to hear from the best vendors offering payment gateway services and top-rated credit card processing for all business types and sizes.

Compare Merchant Account Rates

Get the best rates by comparing quotes from multiple credit card processing vendors. Let our merchant providers work for you to find the best merchant services for your business.

There’s a lot to consider when selecting a merchant connection account – the application process, setup fees, processing fees, funding times, PCI compliance, and the list goes on and on.

Let our experts present you with options, answer all your important questions, and help you find the perfect solutions. You focus on running your business.

Do you need a new virtual merchant account, payment gateway, or virtual terminal?

By completing our simple form, we connect you with some of the best payment gateway providers and online payment providers available for your credit card processing needs.

Merchant Account Credit Card Terminal

By offering specific payment solutions for your industry, we eliminate the frustrations of shopping within a crowded market with way too many options.

After you complete the form, vendors will contact you, provide quotes, and compete for your business. Virtual Merchant Services holds the highest standards for our partners and only works with the top credit card processors in the market.

How to Get Affordable Credit Card Processing

Fast, reliable, and secure transactions at the most affordable rates available. By completing the form, you’ll get very competitive rates and pricing with our dealer payment gateway services.

Need to accept credit cards on your computer? You can quickly key in credit cards manually, no matter where you are, with a free virtual terminal. If you have a computer with an internet connection, you can also turn your computer into a point-of-sale terminal with the addition of a credit card reader.

Accept mobile payments wherever you go, on any device with a virtual merchant terminal or mobile App. Accept credit cards “on-the-go” with your mobile device, Android, iPhone, iPad, or computer on the web. Use mobile payments to complement your existing payment processing built into your POS or credit card terminal. Plan ahead, have a backup method to accept payments if your primary merchant connecting system goes down.

Virtual Credit Card Processing Terminal

With our free comparison form, you’ll get the advantage of picking the provider that offers the best rates. Coming soon, for those that are looking for an all-in-one POS solution with merchant services, we will be offering Harbortouch POS point of sale software and hardware. So check back for updates to our website!

Virtual Merchant Mobile Payments

Virtual Merchant Services is dedicated to finding the best payment options for your business. By utilizing our expertise in the latest mobile technologies, including virtual terminals, Apple Pay, and EMV (chip and pin), you can accept secure mobile payments on your mobile device through a Mobile Payment App.

This allows you to keep up with the changing way customers interact with business owners. Whether you need to process payments online or through mobile devices or are looking to lower your current credit card processing costs, our mobile payment services have you covered.

You can start accepting payments with just a smart device with a data plan or a computer with internet access. Fill out the form, and multiple dealers will contact you with quotes and rates. Our solutions help you streamline your business, improve efficiency, and strengthen customer relationships.

Mobile Payments
  • Fast Processing
  • Quick Payment Funding
  • Competitive Rates
  • Value-add options to help grow your business
  • Device and POS Flexibility
  • Secured Transactions

Credit Card Processing Equipment and Virtual Merchant Services available for every Industry


  • Quick Service Restaurant

  • Table Service Restaurant

  • Coffee Shop

  • Bar and Nightclub

  • Pizza Restaurant

  • Bakery

  • Brewery & Pubs

  • Deli’s

  • Fast Food


  • e-Commerce

  • Clothing Store

  • Bookstore

  • Convenience Store

  • Liquor Store

  • Gift Shop

  • Small Business Retail

  • Hospitality/Hotels

  • Retail iPad POS

Service Industries

  • Salon

  • Spa

  • Automotive

  • Golf Club

  • Gym Fitness Club

  • Car Wash

  • Professional Services

  • Education

  • Government & Healthcare

Virtual Merchant Terminal - Accept Credit Cards Online

Virtual Terminal

A virtual terminal turns your computer into a credit card processing device. Just log into your account with your merchant provider and instantly process phone, mail, or fax orders online. The top merchant providers all have some form of a virtual terminal. Get a quote for the best rates.

Mobile Payments Credit Card Processing

Mobile Payments

Having the ability to accept mobile payments is a necessity for almost any business nowadays. People are carrying less paper money, and technology has advanced to the point where people expect the ability to use their credit card anywhere they are making purchases. Be prepared.

eCommerce Payment Gateway - Virtual Online Credit Card Processing

eCommerce Payment Gateway

Online businesses need an online payment gateway that is fast, accurate, and secure. Online stores are more popular than ever before, so stay ahead of the eCommerce curve. Our virtual merchant providers work across multiple platforms to accept credit card payments online and create profitable, longer-lasting relationships and connect with customers like never before.

Retail Merchant Services and Credit Card Processing

Retail Merchant Services

Find low cost and affordable retail merchant services for a broad range of business types. Retail establishments will need a POS system, credit card machines and will also generally accept online payments with e-commerce solutions through a payment gateway.

EMV Chip and Pin Credit Card Reader

EMV Chip and Pin

For card-present transactions, you’re going to need an EMV chip-and-pin credit card reader for contactless payments. Now mandatory, EMV is the next security level for protecting your customer’s credit card data. Customers expect EMV card data protection from the businesses they shop with to protect against fraudulent charges and identity theft.

Apple Pay Credit Card Machine

Apple Pay

More and more businesses are beginning to accept Apple Pay. A great convenience for customers, Apple Pay is an excellent way to accept mobile payments with an iPhone or iWatch. Many of the latest technologies of credit card machines accept Apple Pay with near field communication. Check with your vendor for availability.

Restaurant Merchant Services and Credit Card Processing

Restaurant Merchant Services

At a minimum, for a restaurant, you’re going to need a credit card machine to accept payments. Ideally, you’re going to want a POS system that’s best suited for your industry because they are no one size fits all. Many merchant service providers work with a POS system company to help you find and compare the best POS solution with the features you need most.

Store Credit Card Processing and Merchant Services

Store Credit Card Processing

Coffee shops, juice bars, quick service restaurants, and other small businesses need credit card processing. The key is to find the best merchant provider with affordable rates. We highly recommend working with someone local for support and sign up with a merchant connect company near you that offers Interchange Plus pricing.

Restaurant and Bar Merchant Services and Credit Card Processing

Pubs / Bars / Nightclubs

Brewpubs, bars, and nightclubs all have specific needs regarding reporting and closing out credit card sales. These types of establishments have special requirements for merchant services and pos systems. Many providers on the market specialize in these environments. Check with your merchant provider for more information.


With thousands of customers and counting, you cannot go wrong with our free virtual merchant services quote from multiple providers.

Compare Virtual Merchant Account Providers Today!