Its navigation buttons and design look like an early 2000s Windows interface, but the functions work fine. The font size is quite small, so those with poor eyesight might need to zoom in on the text. Although you can use the virtual terminal on a smartphone or tablet, the interface is clearly designed for a computer screen – it’s not easy to use or read the text on a small screen.
To accept a payment, you select a transaction amount, currency (GBP, USD, EUR), transaction type (sale, preauthorisation, refund) and order ID (generated automatically, but editable). The bill can be itemised further down the page with tax information. MMS isn’t linked with a product library, so items have to be added manually.
Not all virtual terminals accept different currencies, so that’s a nice extra. Preauthorisations are also useful for holding a payment amount before it actually takes place, for instance when booking a hotel room.
It’s up to you how many card details you submit, but required fields include name, the long card number and expiry date. You can also add a start date, issue number or CV2 code. Billing and shipping addresses can be submitted alongside a customer phone number and email address.
For extra flexibility around security, you get to decide if the payment system should override mistakes in the billing address or CV2 (card security code). We don’t recommend passing transactions if details aren’t 100% correct, but it can be a massive help if a payment on behalf of a trusted customer keeps having issues.