Overview
The Virtual Terminal allows you to manually enter card payments directly in the Valpay Unified Portal. This feature is controlled by user permissions — it only appears for authorized accounts.
Key benefits and use cases
Collect a payment quickly without using a physical terminal
Process MOTO (Mail Order / Telephone Order) payments
Use previously saved cards
Strengthen security through CVC and billing address controls
Centralize payments in the same portal as your other transactions
How to use the Virtual Terminal
1. Access the Virtual Terminal
In the left navigation menu, click Virtual Terminal
Important: If the Virtual Terminal option is not visible, this is likely a permissions issue. Contact the address listed in your portal (often support@valpay.com).
2. Select the store
Choose the store under which you want to process the transaction
If multiple currencies are available, select the currency to use
If only one currency is configured, it will be applied automatically
3. (Optional) Select a saved card
Select an existing saved card from the dropdown list
Or skip this step to manually enter a new card
4. Enter the payment amount
Enter the amount to charge to the card
5. Configure security options
You can enable additional controls:
Billing address required
CVC required
Pro tip: Valpay strongly recommends enabling these options. They help reduce processing fees and lower the risk of payment refusals or rejections.
6. Initialize the payment
Click Initialize Payment
This opens the card information entry form.
7. Review the transaction summary
Before proceeding, verify:
The store name
The amount charged
Click the pencil icon if you need to modify any information.
8. Enter the card information
Fill in the following details:
Card number
Expiration date
CVC
Cardholder name
You can check Save card for future use to securely store the card.
9. Enter the billing address
Complete the billing address:
Country / region
Street and number
City
Postal code
Tip: Accurate information improves the chances of payment authorization.
10. Submit the payment
Click Pay to submit the transaction
Payment result
Once the payment is processed, you will see:
An authorization confirmation or a decline
The transaction reference numbers
Transaction tracking and verification
Finding the transaction in Payments
After processing, you can view the transaction at any time:
Go to the Payments tab
Search for the transaction to see its details, status, and references
FAQ
Why don't I see the Virtual Terminal option in the portal? This depends on user permissions. If the option does not appear, contact Valpay support to request access.
Can I save a card for a future payment? Yes. By checking Save card for future use, the card is stored securely.
Where can I view payments made through the Virtual Terminal? All transactions appear in the Payments tab of the Valpay Unified Portal.
Are the security options mandatory? No, but they are strongly recommended to reduce processing costs and improve authorization rates.