Fast keyed entry
Optimized fields and shortcuts for quick, accurate manual entry.
Virtual Terminal
Any browser becomes a payment terminal
Securely key in phone and mail orders, save customers, send receipts and issue refunds — with no hardware and full PCI protection.
New charge
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Get Started Today
Set up your account in 60 seconds.
Overview
Take payments wherever your customers call from
Not every sale happens on a website. Phone orders, invoices and mail orders still drive real revenue — but they need a secure, compliant way to capture card details.
Bear Merchant's virtual terminal gives your team a fast, keyboard-friendly screen to process card-not-present payments, save customers for next time and manage refunds, all inside your existing browser.
At a glance
- No hardware or installation
- PCI-compliant hosted fields
- Save customers & cards
- Role-based team access
- Refunds & emailed receipts
Features
A terminal your team will actually enjoy using
Fast entry, strong controls and full visibility.
Saved customers
Store tokenized cards and contact details for repeat orders.
Team roles
Assign permissions and attribute every transaction to a user.
Refunds
Issue full or partial refunds in a couple of clicks.
Emailed receipts
Send branded receipts automatically after each sale.
AVS & CVV
Address and security-code checks to reduce fraud and improve rates.
How It Works
How the virtual terminal works
01
Log in
Open the terminal in any modern browser.
02
Enter details
Key in the card and amount, or select a saved customer.
03
Charge
Run AVS/CVV checks and process the payment securely.
04
Receipt
Email a branded receipt and store the customer for next time.
Who It's For
Who uses a virtual terminal
Phone-order businesses
Teams taking orders and bookings by phone.
Professional services
Firms billing clients against invoices.
Field & delivery
Staff collecting payment on delivery or on site.
Clinics & practices
Front-desk teams processing patient payments.
B2B sales
Reps closing deals over the phone.
Omnichannel retail
Stores capturing occasional card-not-present sales.
Operating safely
Running a virtual terminal without inviting chargebacks
Card-not-present keying carries more liability than a card reader. These habits keep your ratios clean.
Staff controls
- One named login per agent — never a shared account
- Role limits on refunds and voids above a set amount
- Full audit trail of who keyed which transaction
- Auto-logout on idle workstations
Every transaction
- Capture AVS and CVV on every keyed sale
- Read the authorisation back to the customer before submitting
- Send an emailed receipt at the moment of capture
- Log the order reference against the payment record
Records to keep
- Written or recorded authorisation for phone orders
- Signed order form for mail and fax orders
- Proof of delivery for anything shipped
- Cancellation and refund policy the customer agreed to
Benefits
Revenue capture without the register
Start in minutes
No hardware to buy or install — log in and take a payment.
Stay compliant
Hosted fields keep card data out of your environment.
Empower your team
Multiple agents can process safely with clear audit trails.
Convert to recurring
Turn saved customers into subscriptions when it fits.
Results that compound
0
Hardware required
0s
To first charge
0%
PCI hosted fields
0/7
Availability
FAQ
Frequently asked questions
A virtual terminal is a secure web page where your staff can manually enter card details to take payments over the phone or by mail — no physical card reader or hardware required.
Yes. Card data is entered into PCI DSS Level 1 hosted fields and tokenized immediately, so raw card numbers never touch your systems.
Yes. You can create users with role-based permissions and see who processed each transaction for full auditability.
Yes. Save customer profiles and tokenized cards so repeat orders take seconds and can be turned into subscriptions.
Yes. Process full or partial refunds and email branded receipts directly from the terminal.
Card-not-present transactions carry different interchange than in-person ones. We provide transparent pricing and support AVS/CVV to help qualify for better rates.
Give your team a terminal in minutes
Start processing phone and mail orders securely — no hardware, no setup fees.