Take payments over the phone

Accept phone payments with a virtual terminal

A virtual terminal is secure page that you can log in to online to process a card payment whilst you've got a customer on the end of the line. You won't need a website to take payments with a virtual terminal, just an internet-enabled device, like a laptop, tablet or smartphone, to access the pay page. 

Your customers can give you a ring with their credit or debit card details, which you just need to enter into a form on the page. Easy.

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Why use a virtual terminal?

Why use a virtual terminal?

Take payments from anywhere

Take remote payments from your customers no matter where they are in the UK. All they need to do is call with their card details at hand.

Easy to set up

Virtual terminals are straightforward to use and you don’t need to be a technical whizz to get started.

It's quick and simple

You’ll give your customers a quicker way to pay. No more long waits for an invoice or until they can see you in person.

Connect with more customers

Reach out to people outside your local area by giving them a way to pay remotely. They can simply call up to make their order and pay.

Real time reporting

You get real-time reporting too, which helps you keep track of your payments.

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Looking to switch?

If you're already taking payments online with a different provider, our dedicated Switching Team will take care of everything and they'll be there if you've any questions. 

How does a virtual terminal work?

How does a virtual terminal work?

It's easy.

1. Log into the online system

You can use any device that's connected to the internet.

2. Enter the card details

Fill in the form with your customers' payment details.

3. Take the payment

Submit the form, send the receipt and that's it, you’re done!

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Why choose takepayments

Why choose takepayments

5 Star Service
5 star customer service

Thousands of customers have already gone online to express their satisfaction with the 5 star service we provide.*

You Re Not On Your Own
You're not on your own

Our Welcome Team will get you transacting quickly, and confidently. They'll be there to answer any questions.

No Set Up Fees
No fees to get set up

We don't charge you a penny to get set up with a virtual terminal, and our experts are on hand to get you up and running. 

A Different Approach
A different approach

There's no one size fits all. One of our specialists can visit your business and find you our best solution.

See what our happy customers are saying

See what our happy customers are saying

Visa payment accepted Mastercard payment accepted Maestro payment accepted Mastercardpay payment accepted

We do things differently.

We do things differently.

We don’t do one-price-fits-all. One of our payment consultants will come and meet you to learn more about your business. They’ll work with you to create a pricing package to suit the type of card payments you want to take.

When you choose takepayments, our Welcome Team will help get you up and running so you're taking payments over the phone quickly and confidently. Plus, our dedicated UK support team is on hand 7 days a week to help if you need them.

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I'd absolutely recommend takepayments. The way the whole team has been, you feel helped every step of the way, and everything has been so easy.
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Jake Johnson

Matrix Combat



Why should I take payments over the phone?

It’s simple. You can take faster payments from your customers. You won’t need to wait up to 30 days for an invoice or until your customer can pay in person. Instead, you sign into the virtual terminal, take their details over the phone, and enter them into the system.

You can reach out to more customers because they don’t need to be there to make payment. So, if you want to run adverts and promotions to customers further away than where you’re based – you can!

You can take payments using all the main credit cards and debit cards such as MasterCard, Visa, Maestro and American Express.

You can take card payments a number of ways! So, if you want to take payments over the phone, face to face or online, there’s an option for you:

  • Card machines– take payments from your counter, around your shop, or whilst you’re out on the go, with our choice of machines.
  • Online payment gateway – take card payments through your website.
  • Pay by link – take card payments by sending your customers a link.

The virtual terminal is equipped with the latest security, so you can safely take payment. To protect your customers from fraud, you can use security checks including:

  • Address Verification System (AVS) – where your customers are asked for their billing address details.
  • Card Verification Value (CVV or CV2) – where your customers are asked to provide their card security code.

So, when you take payment, the details are checked with what’s stored with their bank to check that they own the card.

All our phone payment systems are also PCI DSS compliant. PCI compliance is the security standard backed by credit card and debit card companies like Visa, Mastercard and Maestro. It means you’ll have all the right controls in place to protect yourself and your customers when they pay.

It’s easy. Fill in one of our quote forms with your details and we’ll give you a call. We’ll confirm a time for your local card payments specialist to meet you. They’ll then work with you to create your own personalised quote.

You can also give us a call on 0808 274 2017.

You may also be interested in:

You may also be interested in:


An all-in-one point of sale system. 

Tpos (Mobile)@2X


A no-frills card machine with an Android operating system.

PAX A920


Take fast and secure card payments.

DX8000 card machine

Terms and conditions apply.

Businesses will be required to enter into and maintain a separate contract with an acquiring bank nominated by takepayments for the processing of the card transactions. Under the contract with the acquiring bank, transaction charges and other fees will apply.


*Correct as of May 2024.

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