Best Virtual Terminals in Canada
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Compare the Top Virtual Terminals in Canada as of October 2026
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What are Virtual Terminals in Canada?
A virtual terminal is an online tool used to process payment transactions. It connects customers to a secure payment gateway and enables merchants to accept credit card payments from anywhere, any device. Virtual terminals are especially useful for businesses that do not have access to physical checkout equipment or lack the resources to set up traditional methods of processing payments. These terminals provide a convenient alternative when dealing with customers who prefer online transactions rather than face-to-face interactions. Compare and read user reviews of the best Virtual Terminals in Canada currently available using the table below. This list is updated regularly.
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1
Square POS
Block
Square POS is a simple and intuitive point-of-sale (POS) solution that delivers a robust set of tools for sales tracking, inventory, online payment processing, digital receipts, and analytics. Available for Android and iOS devices, Square POS provides a recording of transactions offline by storing data locally and then automatically syncing all information when their is an Internet connection. Additionally, Square POS enables users to seamlessly manage details, such as names, prices, and quantities and provides features such as a barcode scanner, discounts, credit card processing, gift cards, refunds, and more. Whether or not your business has a brick-and-mortar location, building a robust online presence can help you engage customers from a distance. Square’s online solutions work with any of the above point-of-sale systems, or you can use them on your own. We give you the tools to create thumb-stopping, compelling, and on-brand ads that perform. -
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Square Payments
Block
Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. -
3
PayPal Point of Sale
PayPal
PayPal Point of Sale is an in-person payment and business management platform designed to help merchants accept payments, manage sales operations, track inventory, and streamline retail workflows across physical and mobile selling environments. The platform combines POS hardware, payment processing, and business management software into one integrated system that enables businesses to accept credit cards, debit cards, contactless payments, digital wallets, PayPal, Venmo, Apple Pay, Google Pay, and QR code payments. PayPal Point of Sale includes hardware options such as card readers and payment terminals, along with a POS application that supports inventory management, sales tracking, discounts, reporting, customer transactions, and business insights. Businesses can manage payments, monitor inventory levels, access analytics, and integrate ecommerce and accounting workflows from a centralized dashboard. -
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GoDaddy Poynt
GoDaddy
GoDaddy Poynt is a leading open commerce platform designed to help resellers grow revenue by offering smart terminal solutions for merchants. The platform features easy installation, automated onboarding, and remote device management through Mission Control, enabling efficient estate management. Resellers can create custom-tailored merchant solutions by launching configurable apps and services like eCommerce and gift cards. The platform supports integration with popular peripherals such as printers, cash drawers, and scanners to streamline business operations. GoDaddy Poynt provides 24/7 advanced technical support and dedicated account managers for personalized assistance. This platform empowers resellers and developers to deliver fully integrated, scalable commerce solutions.Starting Price: 2.3% flat processing fee -
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Computop Paygate
Computop
Computop offers its customers around the world local and innovative omnichannel solutions for payment processing and fraud prevention, for e-commerce and POS. With the Computop Paygate payment platform, retailers, service providers and industrial enterprises have the flexibility to choose from over 350 payment methods. Computop, a global player with locations in Germany, England and the USA, has been servicing large international companies for more than 25 years, including global brands such as C&A, Fossil, Otto Group, Sixt, Swarovski and Wargaming. Computop carbon-neutrally processes transactions with a combined value of USD 33 billion in 127 currencies.Starting Price: $29 per month -
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Durango Merchant Services
Durango Merchant Services
When it comes to credit card processing, certain industries are considered low risk, while others are considered high risk. Low-risk industries are generally those that have a low incidence of fraud and chargebacks, and as a result, they typically pay lower processing fees and have fewer restrictions on their accounts. It’s important to note that while these industries are generally considered low-risk, every business is unique and may be subject to different processing fees and restrictions based on a variety of factors. Additionally, even low-risk industries may still experience occasional fraud or chargebacks, so it’s important for businesses to take steps to minimize risk and protect themselves. Merchants can process payments, manage transactions, and generate reports on all payment processing activity from a single account. Give your merchants valuable insights into customer behavior with a single view of data across channels.Starting Price: $5 to $60/month -
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eMerchantGateway
eMerchantGateway
Built on one of the largest payment gateway platforms in the world, eMerchantGateway is a trusted solution for accepting payments online, over the phone, or by mail. Secure, fast, and reliable, eMerchantGateway offers a variety of payment gateway features for processing and managing card-not-present payments. Full PCI-DSS compliance payment security. A convenient management console accessed through a web browser or an app. A virtual terminal function for orders by phone or mail. The ability to create invoices or web forms for online payment. Recurring billing options are customizable by the customer. 18 fraud modules with a variety of settings to suit your exact business needs. Detailed reporting to manage transactions by the minute. Batch and real-time payment processing options with mobile connections. Industry-specific software in a range of categories; examples include furniture, restaurants, and non-profits.Starting Price: Free -
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Helcim
Helcim
Helcim is on a mission to build the world’s most loved payments company by making it easier for businesses to get paid and grow. Helcim delivers a better payments service by making it easier to sign up, providing smarter payment tools, and making it more affordable to get paid. The Helcim Card Reader is EMV and NFC enabled, accepts all major credit and debit cards, and does everything a traditional credit card machine can do and more. Let your customers go contactless and pay in seconds by tapping their credit card, debit card, or smartphone with Apple Pay or Google Pay enabled. Your customers can insert their chip card and securely enter their PIN on the reader to protect larger purchases. -
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Payline
Payline Data
A dashboard that allows you to take payment in a variety of ways. View reports, key in transactions, store customer profiles, send invoices, and more all in one location. Integrate our services directly into your online shopping cart or use our hosted payments page. Connect our software to take payment through your website. Electronically collect payment from your customers through invoices. Send an invoice and collect one-time or recurring payments. Take payment with ease through our user friendly platform. Type in your client’s credit card information and receive funds next day. Store and tokenize your customer payment information with our secure software. Search for a customer by name and have their stored data populate instantly. Add and track custom fields, set user permissions, and customize your receipts all in one place.Starting Price: $15 per month -
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Payanywhere
Payanywhere
Payanywhere makes payments easy for business owners, employees, and customers. Accept payments any way your customer wants to pay. Accept credit cards in your store, on the job site, and online. Use one of our devices or your own. Payanywhere works around you. Use a Payanywhere device to accept payments at your location. Send invoices, accept phone orders, and more from your back office. Take your business with you with a Payanywhere mobile reader connected to your own smart device. Use every transaction to power your business. Payanywhere goes beyond payments, informing smarter business decisions that save you time and money. We just need some basic info about you and your business. Pay as you go or custom pricing for any business type. Choose a countertop or mobile device, or use your own. Payanywhere is designed to be flexible for you and your customers. Accept nearly any payment method in your store, on the go, and online. -
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Merchant One
Merchant One
We use state-of-the-art technology, and make compliance a top priority. We’re here to stay. We aren’t brokers, so you’ll be dealing directly with the source. We understand what it takes for merchants to be successful online. The Merchant One payment gateway offers data security, fraud detection, and lots of options for ease of use and, ultimately, your success. Virtual Terminal: Key in or swipe sales through our secure payment portal. Credit and ACH payments. If you prefer to do your own EMV Level 3 processor certification, you can interface directly with our unified payment enablement platform using our API. We’ll provide you with integration examples for your own applications as well as our integration guide and API documentation. Unlike with our SDKs, any development using our APIs will require additional processor certifications for your chosen payment device. -
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PaymentCloud
PaymentCloud
Here at PaymentCloud Merchant Services, we provide credit card processing for businesses of all types. From Fortune 100 companies to small, local storefronts, ecommerce or retail, and all levels of risk, we can support each and every business. We have a robust toolset of integrations with nearly any platform, shopping cart, and CRM, unified fraud detection software, and chargeback mitigation tools that allow you to reduce your risk and amplify your reward. Talk with one of our dedicated account managers to get personalized care and a real person every single time. PaymentCloud lays the foundation businesses need to thrive. With 50+ years of combined experience within the payments industry, we look forward to paving the way to your business’ success. Free cost comparison. Seamless setup. Chargeback and fraud prevention. Hundreds of integrations. Low risk and hard to place industries accepted. -
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Cashflows
Cashflows
Cashflows is a payment processing platform designed to help businesses accept and manage payments securely across online and in-person channels. It offers a reliable payment gateway that delivers a smooth checkout experience for customers while keeping businesses in control of their transactions. Cashflows supports fast payouts, including real-time payments to Visa cards, helping businesses improve cash flow and customer satisfaction. The platform processes the majority of applications within 24 hours, allowing companies to get up and running quickly. Through the Cashflows Portal, businesses can manage payments, view data, and monitor performance from a single intuitive dashboard. Cashflows supports all major payment methods, including Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, and Samsung Pay. With a strong focus on security, compliance, and customer experience, Cashflows serves businesses across retail, financial services, and insurance. -
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Ingenico TETRA
Ingenico
TETRA enables you to leverage Ingenico’s tried and trusted technology, while transitioning to a digital environment. Powered by an OS with a 40-year pedigree, it deploys eco-friendly payment devices backed up by an extensive services suite – including various remote operations in line with our global sustainability policy. Designed for any environment, TETRA terminals enable you to accept any payment method with seamless security and user-friendly interfaces. TETRA is powered by a proprietary OS that has stood the test of time. Adapted to countertop, portable, mobile, lane and self-service applications, it incorporates a broad range of devices. Designed with varying environments in mind, they cover every payment scenario. TETRA provides you with the world’s largest portfolio of payment applications, all of them compatible with any generation of the platform. Over 3,500 individual payment methods, including contactless and QR-code-based payments. -
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PayPal Virtual Terminal
PayPal
PayPal Virtual Terminal is a browser-based payment solution that allows businesses to manually process credit and debit card transactions without needing a physical point-of-sale system or website. The platform is designed for businesses that accept phone orders, custom orders, wholesale purchases, or service-based payments. Users can securely enter customer payment information through a web browser using their PayPal Business account. Virtual Terminal requires no additional software, coding knowledge, or specialized hardware, making setup fast and simple for businesses of all sizes. Merchants can process payments, send digital receipts, and print shipping labels directly from the platform after transactions are completed. Payments are typically deposited into the business account within minutes once approved, helping improve cash flow and operational efficiency. -
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CardX
CardX
When consumers pay with a credit card or debit card, your institution receives 100% of its billed amount. CardX collects the service fee and pays all transaction costs, so you get every dollar you’re due. In Government and education, most payment providers haven’t kept up with the times. Intelligent Rate is powered by our patent-pending technology that determines card type and cost of acceptance in less than a second. The result is a forward-thinking payment solution that provides the transparent experience today’s consumers expect. With intelligent rate, consumers are responsible for covering only the costs they create, just like with utility bills and other consumer services. In contrast, a flat-rate service fee forces a consumer with a low-cost card, such as a debit card, to subsidize a consumer who prefers a card that’s more costly to accept. -
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Dharma Merchant Services
Dharma Merchant Services
Let us explain the mysterious world of payment processing, and shine a light on a notoriously dark industry. No secrets here, the code word is transparency on all fronts. We strive to pull away the veil most merchant providers and merchant processors put up. Instead, we provide a credit card processing service that business owners can be proud to use for their credit card merchant accounts. What does top merchant services processing get you? Enquire about our merchant credit card services to find out. Upon request, we can provide a full-disclosure rate comparison that highlights the savings Dharma can offer. We’ll share our assumptions, and we’ll even tell you if our rates are not the most competitive. We’ll point you in the right direction regardless of how it impacts us. -
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KORT
KORT Payments
We designed PayHQ to make running and growing your business easy. As one of the most innovative payment platforms on the market, PayHQ by KORT Payments simplifies accepting all types of payments under a single view of your payment data for smarter decision-making. Today, thousands of businesses across North America trust us to process their payments. PayHQ is a complete end-to-end solution, handling authorization, settlement, and funding. Accept payments in-person or online with features like invoicing, recurring billing, and seamless integrations with a single merchant number. Our online gateway offers your customers a secure, simple way to buy from you. Accept payments with an online solution built for businesses of all sizes. Seamlessly integrate your card terminals with PayHQ’s omni-channel solution to accept credit, debit, and other payment methods, using both contactless and mobile for in-person transactions. -
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Kody
Kody
The all-in-one platform to simplify your business. From intuitive payment solutions to instant access to cash and powerful management tools, we’ve got you covered. Fast, reliable, and feature-rich. We’ve developed an all-in-one toolkit for your business to take payments your way. You’ll see an increase to your profit margin from the moment you start with us, thanks to the power and efficiency of Kody’s payment ecosystem. Access funds from the second you make a sale with KodyCard. Better yet, spending limits help you control staff expenses, for improved cash flow management. Understand your customers like never before with automatic shopper identification and cross-venue tracking. Your customers order and pay without leaving their seats. Fast and reliable card payments, anytime, anywhere. We know your business is unique. That’s why we’re committed to providing our merchants with the most personal customer service available, through day and night. -
20
GoDaddy POS
GoDaddy
GoDaddy POS software is integrated into sleek Smart Terminals designed to streamline checkout and boost productivity for businesses. The platform offers simplified checkout with quick access to product images, favorites lists, and preset taxes or discounts. Inventory management features include real-time stock counts, low-stock alerts, and mobile app syncing to prevent overselling. GoDaddy POS supports omni-channel selling, enabling sales across online stores, social channels, and marketplaces like Amazon and Etsy. The system provides detailed dashboards and sales reports to help business owners make informed decisions quickly. Flexible payment options include credit, debit, contactless, and split payments with low transaction fees. -
21
Flatpay
Flatpay
Flatpay is a payment processing and point-of-sale platform that enables businesses to accept secure, electronic payments in-person, online, and via integrated POS systems with simple, transparent pricing and no hidden fees. It supports payment terminals that accept major credit and debit cards (including contactless and mobile wallets), are wireless with Wi-Fi and cellular connectivity, and include features like receipt printing, automatic reporting, transaction history, and configurable tip management, all designed to streamline checkout and reduce administrative work. Flatpay’s POS system brings together sales processing, inventory management, sales analytics, and real-time reporting in one intuitive interface, letting businesses track product movement, manage accounts, and gain insights into performance. For online sales, the solution offers a secure, ecommerce payment integration that works with leading web platforms to handle card and digital wallet transactions. -
22
Clover
Clover Network
Clover POS is an all-in-one cloud-based solution for processing and accepting payments. With Clover POS, business owners and retailers get secure access to a complete suite of products and features that replaces standard cash register, stand-alone terminal, receipt/label printer, and barcode scanner. The platform includes features such as fast checkouts, inventory management, time clock, purchase orders and vendor maintenance, cloud reporting and management, QuickBooks integration, lifetime hardware warranty option, and so much more. Clover builds smart, customized point of sale systems to make running your business easier. Join the mass migration to online orders. We’ve got you covered from click to pickup. Shopping and dining should be enjoyable—and worry-free. Keep it that way with contact-free orders and payments. Counterside, curbside or home office-side, Clover is as mobile and flexible as you need it to be. -
23
Gotmerchant.com
Gotmerchant.com
Gotmerchant.com is a credit card processing provider for Visa, MasterCard, Discover & Amex. We offer a wide variety of credit card equipment so your business can accept cards. We have been providing a level of personal service unmatched by most merchant providers since 1998. Sign up today by filling out our online application and receive approval within 24 hours! We are now offering the fully loaded Harbortouch POS system for free and it doesn't matter how many you need. Why not upgrade to a POS system and take advantage of this offer! Many retailers sign up for our Casio electronic cash register with integrated credit card processing. It acts as a register while giving you the ability to take credit card payments. Internet and ecommerce merchants can accept credit cards using an Internet gateway service such as Authorize.net. It also includes the virtual terminal feature.Starting Price: $39.00/month -
24
J.P. Morgan Payments Platform
J.P. Morgan
Pulling from best practices and deep expertise, we offer a one-stop shop with customized solutions that can help you deliver simple, fast, and secure payments. J.P. Morgan delivers industry-leading payment solutions for ecommerce in the United States. It’s why merchants of all sizes trust us to process one out of every two ecommerce transactions. As the world becomes more digitally connected, you can count on J.P. Morgan to provide the financial experience and tools needed to take your business to the next level. -
25
OmniFlex
WorldPay
Safely accept any card type wherever you are with OmniFlex from WorldPay. Our easy-to-use web-payment solution is the perfect complement to the way you process payments. -
26
RevUP POS
Impact TechLab
RevUP POS offers an all-in-one POS solution designed to simplify business operations for small to medium-sized enterprises. With features that include payment processing, inventory management, and customer relationship tools. With the RevUP POS mobile app, businesses can efficiently manage operations from anywhere, supporting both Android and iOS platforms. Its user-friendly interface and seamless integration make it an ideal choice for retailers, restaurants, and service providers looking to enhance their operational effectiveness and improve customer experiences. -
27
Verifone
Verifone
The world’s best-known retail brands, major financial institutions, and millions of merchants worldwide trust Verifone for tech-forward, simple, and secure ways to accept payments from anyone at any time. Our passion is to empower you with the systems and data you need to refine your customer journey and accelerate growth. Start accepting online payments today with a flexible and scalable commerce solution. Verifone’s eCommerce API is a merchant-hosted solution built on Verifone REST architecture that enables merchants to securely accept online and mobile payments A quick, easy, and secure way to start accepting online payments without extensive web development, our Hosted Checkout solutions are easy to integrate and offer merchants multiple options. Virtual Terminal is also an out-of-the-box payment interface and can be used to process mail order and telephone order (MOTO) card transactions on behalf of customers through Verifone’s Central Portal. -
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Authorize.Net
Visa
Repeat business should be quick and easy. Card on file simplifies returning customers’ checkout experience so they can purchase your products with fewer clicks instead of re-entering payment info. And storing payment information on our secure servers reduces your security liability. Your customers make purchases in person, on computers and on their mobile devices, and we offer solutions to support the evolving payment landscape. Authorize.net enables you to process payments in any way that works for your business, whether it’s through your website, mobile app, or manual transactions. We make it easy to accept credit cards and help ensure you get paid. It’s that simple. Browse our list of integration partners and find the best solution for your business. Integrate a simple, one-time payment button. It's perfect for donation forms. -
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CardPointe
CardConnect
Our merchant processing solution gives you a single, user-friendly portal. This payment processing platform also features numerous integrations and add-ons that boost its functionality and allow you to offer even greater convenience to your customers. This is the most comprehensive credit card processing option available when you want to create a seamless experience for transactions. From this comprehensive portal, get a high-level overview of your business’s payments in real-time, or drill into each transaction to conduct refunds, voids, or resend and reprint receipts. You can even go more granular than this to isolate new vs. returning customers and how both segments choose to pay, whether they use magstripe plastic, EMV chip cards, or NFC-enabled cards and mobile devices. All these transaction management analytics are viewable in real-time — directly through your POS reporting software. -
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SwipeSimple
CardFlight
SwipeSimple is the best way for small businesses to accept payments anywhere, on the go, in their store, and at their computer. Turns any iOS or Android device into a versatile credit card terminal. Several options available to merchants who want to accept payments in person. Gives merchants access to virtual terminal, invoices, payment links, and more. The SwipeSimple mobile app gives you everything you need to swipe, dip, or key-in credit cards no matter where you are. Item catalog helps you ring up your most popular items. Receipt printers are available, or send email or SMS text receipts instantly. With an optional SwipeSimple card reader, you can accept physical credit cards with support for swipe, dip, and contactless tap. The SwipeSimple Mobile App is packed with advanced features designed to make running your business easier than ever. Get cloud-based inventory, item tracking, and real-time transaction history right at your fingertips.
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