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+1 (702)-623-3528Businesses that take phone orders, mail-in payments, B2B invoices, or email-based checkouts rely on virtual terminals daily — including call centers, home services, wholesalers, healthcare offices, and subscription businesses that can't rely on a card reader alone.
Log in from any browser to key in a payment, email a secure payment link, or save a customer's card for future billing. Level 2/3 data support also helps qualify B2B and government transactions for lower interchange rates.
CARDZ3N sets up your virtual terminal alongside your existing merchant account and gateway, so your team can start taking manual and phone-order payments without changing how you get funded or how disputes are handled.
Not sure whether a virtual terminal or a full gateway integration is the better fit? CARDZ3N will review how you take payments today and recommend the right setup.

Every virtual terminal session runs through a PCI DSS–compliant, encrypted connection, so keyed-in card data is protected the same way as a swiped or dipped transaction.
Saved cards are tokenized rather than stored as raw numbers, letting you securely bill returning customers without holding sensitive payment data yourself.
Address verification (AVS) and CVV matching run on every manually entered transaction, flagging mismatched or high-risk orders before they're approved.
Assign individual logins with permission levels so you can control who can process payments, issue refunds, or view stored customer profiles.
Every virtual terminal transaction appears in the same real-time reporting dashboard as your in-person and online sales, so nothing falls outside your normal reconciliation process.
A virtual terminal is a manual, browser-based tool for one-off and phone orders. A full gateway integration (NMI, Fluidpay, Authorize.net, and more) is built for automated ecommerce checkout and high-volume recurring billing. Many merchants use both side by side.
A physical terminal reads a card in person; a virtual terminal takes payment details entered by phone, mail, or email. CARDZ3N merchants can run both from the same account for a single, unified view of every transaction.
Virtual terminals work best for phone orders, deposits, invoices, and any transaction where the customer isn't in front of you — without the cost or complexity of building a full checkout integration.
If your team takes payments by phone, mail, or invoice and needs a secure way to key them in, contact CARDZ3N to set up a virtual terminal built for how you do business.
Have a question about our services or prices. Contact us using the form and information on this page
CARDZ3Nis a merchant services and gateway platform built for high risk ecommerce, large ticket B2B (like AerospacePay use cases), and growing local retailers. It connects your online store, invoices, and in person terminals into one unified payments stack so you can control approvals, fees, and reporting from a single place.
You complete a standard application, but underwriting is more detailed for high risk and large ticket models. CARDZ3N gives you a clear checklist (documents, policies, processing history) and works with our banking partners to help you get approved on terms that fit your risk profile and growth plans.
Most CARDZ3N merchants receive next day deposits, while high risk merchants typically receive funds within two business days of settlement. Some high risk, large ticket accounts may use rolling reserves or slightly longer payout windows to manage exposure, and we explain those terms up front. As your history stabilizes, we actively look for ways to improve your funding profile.
Pricing combines interchange, assessments, and a markup that depends on risk, channels, and ticket sizes. High risk ecommerce typically has higher base rates; large ticket B2B can reduce effective costs by qualifying for Visa’s Commercial Enhanced Data Program (CEDP), which rewards high quality enhanced commercial data with improved Product 3 interchange; and local retail often benefits from lower card present EMV contactless rates. CARDZ3N models all three segments, so you see a clear, channel specific effective rate instead of a generic number.
Yes! For B2B, we help you adopt Visa’s Commercial Enhanced Data Program (CEDP) and Large Ticket optimizations where possible, so big invoices carry the enhanced commercial data issuers expect and can qualify for better card pricing. For high risk ecommerce, we focus on reducing fraud and chargebacks; for local retail, we optimize your terminal and card present mix. CARDZ3N reviews your data regularly and recommends concrete changes rather than just promising “lower rates.”
CARDZ3N offers APIs and integrations for major ecommerce platforms, subscription tools, and B2B invoicing/ERP/CRM systems, plus certified EMV contactless terminals and POS options for in store. Our support team understands high risk, B2B, and retail environments and can help with underwriting questions, chargebacks, integrations, and hardware. As you scale, we revisit pricing, risk settings, and tech so your payments stack keeps pace with your business.
Start protecting your revenue from chargebacks today — schedule your complimentary consultation with CARDZ3N’s dispute management specialists.