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Accept and Process Payments Online with Our Virtual Payment Terminal

Accept and Process Payments Online with Our Virtual Payment Terminal

With our representative-facing virtual terminal, your business will be equipped with enterprise-level customer management, communication, security, analytics and reporting, payment acceptance and processing CRM software.

Get a Demo Today
Virtual Payment Terminal Screenshot

What Is a VirtualPay Terminal?

For over a quarter of a century, E-Complish has been helping companies thrive by offering hosted Internet-based customer relationship management, payment acceptance, and processing portals. Our industry expertise and robust solutions have taken the technical resources and capital burden off our client’s shoulders, freeing them up to focus on their core business model and increasing their bottom line.

VirtualPay is an innovative customer and payment management system that is full-featured, providing a one-stop shop for your business. Our scalable and customizable solution gives your representatives the tools to provide the ultimate convenience for your customers.

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Our Virtual Payment Processing Solutions

Implement a virtual terminal payment processing system that makes it easier than ever before to receive and request payments.

Debit & Credit Card Processing

We offer a combined payment solution for businesses that allows for both fast and secure debit card processing, as well as convenient virtual terminal credit card processing. With VirtualPay, you can accept all major credit cards, including Visa, MasterCard, American Express, Discover, Diners, EnRoute, and JCB, and enjoy the benefits of instant payments, saving you time and money.

ACH Payment Processing

Want improved cash flow and collections? Our ACH payment processor featuring 128-bit encryption security spares your accounting team from the tiresome job of manually processing ACH payments.

Text Payments

Our SMS payment system is user-friendly and eliminates paperwork. There's no need for customers to re-enter credit card or banking info, or log in and search for usernames/passwords.

Email Payments

Payment links simplify paying online without a website, writing code, or setting up extra infrastructure. You can quickly generate a link that leads customers to a specific checkout page to finish the purchase.
All Payment Solutions

Other E-Complish products VirtualPay works with

VirtualPay’s payment processing integrations let you manage and track transactions while accessing real-time data and analytics.

Customer Payment Portal (HostPay)

Link our HostPay system to your website for a unique and customized payment experience. Upon payment completion, your customers will receive personalized email responses and receipts.

IVR Payment System (DirectPay)

E-Complish's DirectPay phone-based payment IVR system saves businesses time, money, and effort by automating inbound customer phone calls, increasing accuracy and productivity.

Automated Payment Assistant (CallSentry)

An advanced three-way telephone system that offers customers a safe way to make payments via telephone using their credit cards, CallSentry ensures that all data remains secure.

Customize Your Payment Solutions

Offer your customers multiple payment options and watch both their satisfaction and your sales soar!
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Customize Your Payment Solutions

Streamline Your Operations with Online Payment Processing

Online Point-of-Sale Console

An online point-of-sale console integrated with all E-Complish services (including DirectPay), that enables merchants to authorize credit card transactions, accept payments, and offer refunds.

Merchant Customization

Our software facilitates customized emails and receipts with your corporate branding. It also supports manual data input of in-person charges, phone orders, and payments by check, credit, or debit card.

Robust Security

Store customers' payment information such as ACH, checks, and credit cards on Level One PCI Compliant servers to authorize future and recurring payments.

Analytics and Reporting

A comprehensive web-based interface that shows customer payment history and all E-Complish sources of payments for easy tracking, analysis, and reporting

We Work with Your Industry

From facilitating credit card payments to processing fees, VirtualPay has helped many companies across industries improve revenue through better payment processing.

E-Complish-8-min

Utilities

Our online virtual terminal feature offers an improved way for customers to pay their utility bills online, enhancing security and convenience. VirtualPay ultimately helps utility companies build customer trust and loyalty by providing a secure and reliable payment experience.
E-Complish-7-min

Financial Institutions

Virtual terminals are essential for financial businesses as they can guarantee secure customer transactions and minimize costs related to traditional payment processing, such as transaction fees and processing times.
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Property

Online, phone, and mobile payments are beneficial for multi-location businesses. Features such as fraud protection, data encryption, and customer tracking also protect against financial and data security risks.
View All Industries
Our Clients’ Reviews

Our Clients’ Reviews

5.0
Very appreciative of the good support I received I specifically want to thank Matt, Bill, and Stephen
Alec K.
Waste Management Industry, Pasco, WA
5.0
The E-Complish team helped us decrease our delinquencies by 15% and increased our online payments by 80%!! I cannot say enough about how this team works with us to analyze the problem and provide a solution. Not once did they try to upset us on a product that we did not need. I consider E-Complish a partner and consultant, not just a vendor.
Angie S.
Major Auto Finance Company (1500 Branches), South Carolina
5.0
Wow – Just Super and Thanks! Can’t tell you all how much I really appreciate your staff is always looking into stuff so quickly… I wish all of my vendors were as responsive as you all have always been!
Brittany Johnson | Accounting Director
OnePoint Technologies, Inc., Woodstock Georgia Area
5.0
You guys continue to be one of the best vendors I work with. Keep it up, since you set the bar high, I have come to expect it going forward! Thanks for your support.
Bennett L.
Auto Finance Industry, Evanston, IL
5.0
The support team is always making sure our needs are met.
Crystal M.
County Supervisor, West Virginia County Water & Sewer Utility
5.0
Jason is awesome as usual and pulled through for us with never a complaint. If only he could be cloned…then the world of IT would be in a much better place.
D’Anne K.
City Utility Services, Boulder, CO
5.0
E-Complish set the standard for what U.S. Auto Credit expects of its vendors. E-Complish has brought together a group of professionals that have created a partnership with U.S. Auto Credit, and provide a level of support one expects of full-time hires. Their knowledge of collection practices, card processing and software development has furthered our collection activities, while promoting profitability and decreasing collectors’ talk time. I am a self-professed fan of E-Complish, and I would not hesitate recommending E-Complish for any job they solicit. Greg hired E-Complish as an Online Payment Processor in 2009 and hired E-Complish more than once Top qualities: Great Results, Expert, High Integrity
Greg Gaines | eCommerce Director
U.S. Auto Credit, Jacksonville, Florida Area
5.0
E-Complish has provided SMECO with outstanding payment processing services over the years. The pay-by-phone and electronic bill payment services that they provide are best-in-class, and extremely cost effective. The E-Complish team are extremely customer focused, flexible, and have successfully implemented payment processing solutions for us under very aggressive timelines. They are truly a valued service provider for our organization, and I highly recommend their solutions.” Joe hired E-Complish as an Automated Payment Services in 1999 and hired E-Complish more than once Top qualities: Great Results, Expert, Good Value
Joe Trentacosta | SVP & CIO
Southern Maryland Electric Cooperative, Inc., Washington D.C. Metro Area
5.0
Your company came up in a discussion here the other day. They were discussing different E-Complish APIs than E-Complish offers. I told them to be nice to you because your group always does an excellent job for us. One of the other people in the discussion agreed. He said something along the lines of wanting to kick most vendors but he was very positive about working with E-Complish. Thanks, all. You are appreciated!
Kim R.
RTO Software Provider, Kansas City, MO
5.0
The guys always come through. I never worry when sending a question or issue because I know it will be resolved.
Kim R.
Rent-To-Own Chain (5,500 stores), National and Canada
5.0
Since bringing E-Complish into the fold as our overall payment processor we have experienced little to no problems with processing while reducing our cost by over 30%. They are quick to respond to any question or problem that we have and do a great job of keeping informed as to the ever changing world of electronic payments. I would highly recommend E-Complish as a payment processor as they will streamline your processes and take many of the headaches out this necessary business application. I checked off the three attributes but could easily make a case that our relationship with E-Complish has been personable, they have vast expertise in this area, they produce the files in a timely manner every time, and they also operate with the highest amount of integrity. I don’t give recommendations lightly as a matter of business practice but this is one I have no problem giving. These guys do a great job! Ronald hired E-Complish as a Payment Processor in 1999 Top qualities: Great Results, Good Value, Creative
Ronald Kline | Accounting Director
SMECO, Washington D.C. Metro Area
5.0
Everyone is impressed with the IVR and webpage, very excited we partnered with you guys for this, already have the wheels turning on more we can do in the future.
Robert F.
Financial Services, Tampa, Florida
5.0
I always enjoy working with your team – the IVR enhancement effort could not have gone anymore smoothly! Your teams’ willingness to implement changes -and make insightful recommendations (to said changes) – were greatly appreciated!
Susan Norris
SMECO, Energy Provider
5.0
E-Complish is a proficient, detail oriented, personable and knowledgeable payment partner that helped us setup and streamline our on-line payment processes. E-Complish is always very prompt in responding to our inquiries and we appreciate the relationship we have developed with the E-Complish team! Thomas hired E-Complish as a ON LINE PAYMENT PROCESSOR in 2007 Top qualities: Great Results, Personable, Expert.
Thomas Oberwetter | Attorney
Paskin & Oberwetter Law Office Ltd, Madison, Wisconsin Area
5.0
Jason was terrific. He responded immediately to my ticket and quickly fixed the problem. Thanks!
Weygandt, B.
City Government, Colorado Utility Services

Drive Business Growth with Virtual Payment Processing

Make sure your customers are always content with a user-friendly payment system. Let our experts assist you in creating safe, swift, and accurate virtual terminal payments for your business with VirtualPay.
Get a Demo Today
Drive Business Growth with Virtual Payment Processing

Frequently Asked Questions about Our Virtual Terminal

How do I know the VirtualPay terminal is the right solution for my business?

Virtual pay offers a no-hassle setup and fully customized implementation to suit your business's unique needs. It's ideal if you:
  • Accept phone or in-person payments.
  • Want instant ACH and a virtual terminal for credit card processing.
  • Would like a branded and custom call center solution.
  • Want to send automated email receipts to customers.
  • Are looking for a Comprehensive web-based interface that shows customer payment. history and all E-Complish sources of payment.
  • Need the capability to run in-person charges or manually enter data phone orders, with payments by check, credit, or debit card.
  • Wish to reduce your monthly fee for payment processing.
  • Are an existing E-Complish customer, ready to integrate current tools seamlessly with the VirtualPay console for better results.
When you chat with us during a free consultation, we'll evaluate the benefits of VirtualPay for your business.

How much does your virtual terminal cost?

The cost of our virtual terminal depends on the number of integrations you require. Please contact us with your business requirements, and we can schedule a free consultation to discuss your specifications and provide you with a quote.

Does VirtualPay integrate with third-party software?

Yes, VirtualPay offers full integration with PayPal, ApplePay and other. You can manage all payments from start to finish using all E-Complish solutions within one comprehensive system.