Accept Any B2B Payment, On Demand — No Card Reader Required

Paystand's virtual terminal lets your AR team process one-time and on-demand payments by phone, email, or link — securely, instantly, and directly inside your ERP workflow.

Powered by Paystand’s blockchain-based payment network, enabling secure, zero-fee bank payments in real time.

Get Paid Faster — On Demand

A virtual terminal gives your team the power to accept one-time or on-demand payments anytime, anywhere — without waiting on mailed checks, physical POS systems, or back-and-forth emails.

With Paystand's virtual terminal, your AR team can:

• Take manual payments over the phone or via email
• Enter customer payment details securely in any browser
• Accept ACH, bank transfers, or credit cards instantly
• Close out invoices and apply payments without leaving your ERP
• Post directly to your GL for clean, audit-ready reconciliation

Why Finance Teams Choose Paystand’s Virtual Terminal

Zero-Fee Payment Options

Avoid sky-high card processing rates. With Paystand's B2B network, process virtual terminal payments via ACH and bank transfers at zero transaction fees.

Built for AR — Not Retail

Unlike consumer-grade virtual terminal providers, Paystand's is purpose-built for B2B accounts receivable. Pre-fill invoices, auto-apply payments, and sync with your ERP in real time.

Frictionless Payer Experience

No logins. No portals. Send a secure payment link and your customer pays instantly — on desktop or mobile — with the method that works best for them.

One Gateway, All Payment Methods

Accept credit cards, ACH, and bank transfers through a single virtual terminal payment gateway. No separate integrations, no duplicate reconciliation.

Real-Time Transaction Visibility

Track every payment as it happens. Monitor status, fees, and cash position across your entire AR portfolio from a single dashboard.

PCI-Compliant and Audit-Ready

Paystand is PCI-compliant and SOC 2 Type II certified. Every virtual terminal transaction is encrypted, logged, and available for audit at any time.

Your AR Process, Supercharged

Traditional virtual terminals are built for small retailers — not complex B2B finance operations. Paystand fits directly into your existing AR workflow:

• Pre-fill invoice data pulled from your ERP
• Apply payments to customer accounts automatically
• Trigger follow-ups and dunning without leaving the terminal
• Push reconciled data back to your GL instantly
• Maintain a complete, clean audit trail across every transaction

Don’t Just Take Our Word for It

“It’s almost creepy how easy Paystand makes my job. It’s unbelievable how automated it is. It’s been an even better experience than we anticipated. . . We just fully trust Paystand.”

John Dybwad

Vice President of Finance & Budget, Edgewood Healthcare

Frequently Asked Questions

1. What is a virtual terminal and how does it work?

A virtual terminal is a browser-based tool that lets your team manually process one-time payments — no card reader required. It's designed for phone orders, email requests, and manual payment collection in B2B environments.

2. How is a virtual terminal different from recurring payments?

A virtual terminal is built for on-demand, one-time transactions where your team initiates each payment manually. Recurring payments are automated on a schedule. Paystand supports each through distinct, purpose-built workflows.

3. What payment methods does Paystand's virtual terminal support?

Paystand's virtual terminal accepts ACH, bank transfers, and credit cards — all through a single gateway, with zero-fee options available via our B2B payment network.

4. Is Paystand's virtual terminal secure?

Yes. Paystand is PCI-compliant, SOC 2 Type II certified, and uses end-to-end encryption on all transactions. Role-based access controls and a full audit log are included by default.

5. How does the virtual terminal integrate with my ERP?

Paystand integrates natively with NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica, and others. Invoice data pre-fills automatically, payments apply on posting, and reconciliation data syncs back to your GL — no manual entry required.

Start Processing On-Demand B2B Payments Today

Say goodbye to expensive hardware and manual follow-up. See how Paystand's virtual terminal fits into your AR operations.