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1. Device Independent

All you need is a web browser with internet connection and your payment terminal / vPOS (virtual POS) is ready to go. One account allows you to run the terminal on multiple devices in multiple locations at the same time.

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2. Instant Setup

The virtual terminal comes preloaded with all Novalnet payment service account. Avoid all hassles of acquiring and setting up and maintaining physical devices.

3. Fully Secure

All payments are processed on a fully secure page hosted by Novalnet who collects, secures & tokenizes card data in real-time while processing payments. Our PCI/GDPR compliant Privacy Vault ensures all PII data are managed securely.

Why virtual terminal?

B2B / B2C / D2C payments

Collect payments straight from our dashboard or integrate into your
ERP/CRM (SAP, Salesforce, etc.) workflows using our APIs.

Small businesses

Brick and mortar businesseses without webshops or POS systems can accept payments in a fully secure environment. Security and safety of payment information is completely managed by Novalnet.

Multiple payment methods

Unlike conventional POS machines which can process only cards, Novalnet’s virtual terminal allows you to accept Direct Debit SEPA and invoice payments too.

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How to Implement the Virtual Terminal

Novalnet’s Virtual Terminal lets you process payments manually by phone, fax, email, or in person — directly through your Merchant Portal. It’s ideal for MOTO (Mail Order / Telephone Order) transactions and enables you to securely accept credit/debit cards and SEPA payments without a physical POS device.

Step 1: Activate and Access the Virtual Terminal

  • Log in to the Novalnet Merchant Portal.
  • Go to Manual Processing → Virtual Terminal in the main menu.
  • Choose the desired payment type (e.g., Card, SEPA Direct Debit, or Invoice).
  • Enter the customer’s payment and order details, then confirm the transaction.

Step 2: Monitor and Manage Transactions

  • All processed payments are displayed in real time in your Merchant Portal Dashboard.
  • You can issue refunds, partial reversals, or recurring charges directly from the portal.
  • For recurring or subscription payments, enable tokenisation to charge returning customers securely.
  • Generate transaction and audit reports for full visibility and reconciliation.
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Choose Your Integration Method

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Hosted Payment Page (HPP)

Extend your MOTO payments with branded hosted pages for remote authorisation and customer self-entry.

HPP Guide
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Direct API

If you want to automate Virtual Terminal logic (e.g., recurring phone orders), you can use Novalnet’s API endpoints to process payments securely.

API Reference
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Plugins

Shopware, WooCommerce, Magento, Shopify, and others — access manual payment entry and refund options directly in your plugin backend.

See all plugins

Frequently Asked Questions

A virtual terminal is a web-based interface that allows merchants to manually enter customer payment details (e.g., card or bank info) to process transactions without needing a physical card reader or point-of-sale device.

Novalnet’s virtual terminal allows your staff to log in via a secure web portal and enter customer payment data—such as card or SEPA details—to process payments in real time, ideal for MOTO (mail order/telephone order) and remote billing.

You can accept credit and debit card payments, SEPA direct debits, and other local options supported by Novalnet’s platform—enabling fast and flexible billing for phone, email, or offline orders.

Yes. The virtual terminal is PCI DSS Level 1 certified, ensuring that customer payment data is securely handled. No sensitive data is stored on your systems, reducing compliance burden.

Virtual terminals are widely used by customer service teams, accountants, B2B sales teams, law firms, healthcare providers, and service-based businesses that need to process payments manually or by phone.

Yes. Novalnet’s virtual terminal supports full and partial refunds, as well as recurring or subscription payments using tokenisation—without requiring the customer to re-enter their details.

Yes. Every transaction is recorded and viewable via the Novalnet admin portal, including timestamps, user details, and payment status—helping with reconciliation, audits, and customer service.

Yes. You can set up multiple team members with different access roles (e.g., read-only, refund-only, full access), ensuring secure and controlled usage of the terminal.

Accept MOTO payments the way you like it

In addition to virtual terminal, Novalnet also offers MOTO / Pay-by-Link payment with support for more than 100 payment methods

Telesales

Close a sale instantly by sharing a payment link instantly

Email

Include a payment link in your emails, complete with your own branding

Social media

Create sales channels out of your social networks

QR Code

Create QR Codes out of your payment link to offer better accessibility and reach

Invoice

Include payment links to your invoices or quotes to remove payment bottlenecks

Messaging

Send a payment request and redirect your customers to a fuly secure payment page