Virtual terminal

      • Accept payments over the phone or by mail order
      • Take payments remotely
      • Flexible, fast and secure
      • Improve cash flow and get your money the next banking day*
      • No joining or set-up fees


What is a virtual terminal?


A virtual terminal is a handy tool that allows you to take payments remotely. It saves your customers the hassle of visiting your shop to pay using your card machine. Instead, a virtual terminal lets them pay over the phone, or even by mail order.

Handepay’s virtual terminals are totally flexible, allowing you to accept payments wherever you are. All you need is a device that’s connected to the internet; such as a laptop, tablet or smartphone. You simply log into your virtual terminal online and enter your customers card details into the secure form. The virtual terminal carries out checks on the billing address provided, confirming that it matches with their bank. Once the cardholder's bank has authorised the payment, the money is settled into your account according to your settlement timescale.

Taking payments remotely has never been easier!


What are the benefits of Handepay’s
virtual terminal?


When you join Handepay, we don’t just provide you with a flexible virtual terminal.

We make sure that you receive a package to enable you to take payments over the phone or by mail order quickly, securely and at the most cost-effective price.

If you need some help setting up your virtual terminal, you can get in touch easily. Our dedicated support team is based in the UK and only a phone call away. If you’re pressed for time, we can provide support via email too!

Plus, you receive access to our fantastic online reporting dashboard. Keep track of your sales wherever you are, and make your virtual terminal work for your business.

Included in our virtual terminal package is:



All this for only
£9.99 per month
  • Includes 200 transactions per month
  • Internet Merchant Account
  • Integration assistance
  • Dedicated UK technical support team
  • Online business management dashboard with real-time reporting
  • Security checks
  • Bonus Pay by Link function
  • Send e-invoices

Transactions above inclusive amount are 10p each. Price excludes VAT.

Handepay Guides

To learn more, click below >

Card Not Present Transactions

Why choose Handepay?


Accept payments remotely without worrying about your monthly invoice.

When you choose a Handepay virtual terminal, you don’t have to worry about hidden fees.
We make it affordable.

Join us, and benefit from:



  • No hidden fees

    No hidden fees

    In contrast to other card machine providers, we don't charge many of the fees you may find on your statement

  • Hassle-free switching

    Hassle-free switching

    Switching provider needn’t be a chore - as we’ll cover your fees in most cases. Our helpful team works to ensure you switch and save.

  • 28,000 customers

    28,000 customers

    It’s fair to say we have lots of experience when it comes to great customer service - which is why we’re rated as ‘Excellent’ on Trustpilot.

  • Service & support

    Service & support

    24/7 service and support and gateway assistance available Monday to Friday 9am - 5.30pm.

What our customers say


Trustpilot logo for being rated excellent by customers


The Archer


The Archer

“Handepay gave me £3,432 to cover my card terminal switching fees! Handepay made switching to use their card terminal simple by offering to cover the exit fees for me!"



Virtual Terminal FAQs




As long as you’ve got an internet-connected device to hand, you can access your virtual terminal. Once you join Handepay, you’ll be provided with a secure link to your own payments portal. You can access this from any device you choose.

You can grant access to your virtual terminal to anyone you choose. Multiple users can even use the portal to accept payments simultaneously.

Of course. Payments are processed using a secure payments page to ensure that your customer data is protected.

If you’re taking a lot of payments over the phone or by mail order each month, you can still use our great virtual terminal package. Once you have processed 200 transactions per month, you will simply incur a fee of 10p for any additional transactions. 


Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

Sometimes, we link to other third-party websites to provide you with additional information. At the time of publication, we consider the information accurate, however, we do not have control over their content and are not responsible if any information on these websites change.

The products we display on our website are for illustrative purposes only - if your business requires additional facilities, you may receive a different model than advertised.

All of the information contained on this website, including fees, services and functionality, are correct at time of publishing. E&OE.