E-Complish
Agent Virtual Terminal (VirtualPay)

Virtual Terminal Processing: Secure Online Payment Processing with Virtual Terminal Solutions

Name: Agent Virtual Terminal (VirtualPay)
Brand: E-Complish
Rating: 5 (15 reviews)

Transform your business with E-Complish’s secure virtual terminal payment processing. Accept credit cards, debit cards, and ACH payments online or by phone, without the need for expensive hardware.

For over 25 years, we have delivered scalable, customizable virtual terminal payment solutions that enhance revenue while upholding the highest security standards.

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What Is Virtual Terminal Payment Processing?

In today’s digital economy, where 73% of consumers prefer contactless payments, virtual terminal payment processing is no longer optional; it’s essential. A virtual terminal is a web-based solution that turns any internet-connected device into a secure payment terminal.

Unlike traditional credit card machines that require physical hardware, virtual terminals provide the flexibility to process payments remotely—whether it’s phone orders (MOTO), mail-in payments, or manual transactions for in-person customers.

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Benefits of E-Complish Virtual Terminal Solutions (VirtualPay)

For over two decades, E-Complish’s VirtualPay virtual terminal processing system has helped countless businesses transition from cumbersome hardware to streamlined cloud-based solutions that provide:

Reduce Costs & Increase Savings

Virtual terminal processing helps reduce transaction costs by up to 40% by bypassing traditional card fees and hardware expenses. This keeps your processing fees minimal, saving on the cost of physical point-of-sale systems.

Speed Up Payment Processing

With virtual terminal solutions, payment processing becomes 3x faster compared to traditional methods. The result is quicker access to funds and improved on-time payments by 47%, enhancing overall cash flow.

Boost Security & Protection

Enjoy PCI-DSS Level 1 compliance and end-to-end encryption to protect your customer data. Businesses using E-Complish’s virtual terminal report 70% fewer chargebacks and 30% fewer fraud-related losses, providing greater security and invaluable peace of mind.

Enhance Customer Satisfaction

Offering multiple secure payment options (credit, debit, ACH, eCheck) improves customer convenience. The result is a 35% increase in customer satisfaction and a 25% boost in repeat payments, helping to build loyalty.

Streamline Operations and Reduce Workload

Automating tasks like invoicing and payment reminders with a virtual terminal reduces administrative workload by up to 50%, allowing your team to focus on more strategic tasks.

Scale Your Business with Ease

Whether you process five or 5,000 transactions a day, our virtual terminal solutions are designed to scale with your business. Companies see 20% faster growth in processing capacity over the first year.

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Our Virtual Terminal Payment Processing Solutions

E-Complish has invested millions in developing the most comprehensive virtual terminal payment processing platform available. We’ve developed each solution to address specific business challenges while working seamlessly together to create a unified payment ecosystem.

PayLink

Generate secure payment links via text, email, or chat, allowing customers to pay anytime, anywhere. This speeds up your collection process, eliminates delays, and offers ultimate convenience for both you and your customers.

AutoAssistant

Harness AI-powered automation to manage collections, schedule calls, capture payments, and send reminders 24/7. This minimizes manual work, ensures timely payments, and improves cash flow, all while reducing operational effort.

eDocSign

It’s never been easier to collect instant electronic authorizations for recurring payments, contracts, and agreements. With pre-populated forms, you can streamline customer approvals, speed up payment plans, and reduce paperwork, boosting operational efficiency.

EBPP

Send invoices instantly via text, email, or chat, and get paid the same day. This solution reduces paper and processing costs while speeding up payment collection, offering your business and customers a more efficient and cost-effective billing experience.

Complete Integration with E-Complish Payment Ecosystem

Virtual terminal payment processing reaches its full potential when integrated with our comprehensive payment platform. Each component amplifies the others to create compound benefits for your business.

Customer Payment Portal (HostPay)

While virtual terminals manage agent-assisted payments, HostPay allows customers to conveniently self-serve on their own schedule. This dual approach maximizes payment collection opportunities by catering to both customer preferences. The result is faster payments and greater customer satisfaction.

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IVR Payment System (DirectPay)

DirectPay complements virtual terminal processing by automating routine phone payments. This solution helps businesses streamline payments over the phone, freeing up your staff to focus on more complex customer interactions while ensuring consistent and secure transactions.

Automated Payment Assistant (CallSentry)

For customers who prefer speaking with agents, CallSentry bridges the gap between human interaction and PCI compliance. It ensures secure payments during calls while automating the process, helping you stay compliant and improve operational efficiency simultaneously.

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Industries We Serve with Virtual Terminal Processing

E-Complish’s Agent Virtual Terminal supports businesses across industries, providing flexible and secure payment solutions:

Utilities

Utility companies often deal with seasonal payment spikes, regulatory compliance, and the essential nature of their services. Our virtual terminal processing is designed to manage these complexities, offering secure and efficient payment collection that adapts to high-demand periods and ensures timely payments.

Financial Institutions

In the financial services industry, compliance and security are non-negotiable. Our virtual terminal exceeds industry standards, providing PCI-DSS Level 1 security while optimizing collections. We help financial institutions maintain maximum compliance and improve operational efficiency with streamlined, secure payment solutions.

Property Management

Property managers handle a variety of properties, tenants, and payment types. Our virtual terminal consolidates these processes into one easy-to-manage platform, making it simple to collect rent, process deposits, and track payments across multiple locations, while ensuring payments are collected seamlessly.

Healthcare

Healthcare payments are often complicated by insurance processing, patient responsibility, and privacy requirements. Our HIPAA-compliant virtual terminal streamlines these transactions to ensure secure and compliant processing, while simplifying payment management for both providers and patients.

Insurance Companies

Insurance companies need flexibility in payment processing to manage varying policy types and payment schedules. Our virtual terminal adapts to these needs, providing customizable payment options that accommodate different billing cycles, ensuring timely and accurate collections.

Retail & eCommerce

In today’s retail and eCommerce environments, businesses need flexible payment solutions across various channels. Our virtual terminal supports unified commerce so that businesses can seamlessly manage online, in-store, and phone-based payments in one integrated system, improving customer satisfaction and operational efficiency.

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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

Ready to Transform Your Payment Processing?

Don’t wait any longer! Start improving your cash flow, security, and customer satisfaction today with E-Complish’s Virtual Terminal. Our team is ready to help you implement a seamless payment solution that grows alongside your business.

Get a Demo Today

FAQs About Virtual Terminal Processing

How does virtual terminal payment processing work?

Our Agent Virtual Terminal allows your representatives to securely log into a web-based platform and process payments by entering customer information. The system processes payments instantly and includes features like tokenization and end-to-end encryption to keep your data secure.

Is virtual terminal payment processing secure?

Yes, absolutely. Our system is PCI-DSS compliant and employs end-to-end encryption and tokenization to protect customer data. Real-time fraud detection also ensures that all transactions are processed securely.

Can the Agent Virtual Terminal integrate with my existing systems?

Yes, VirtualPay integrates with platforms like PayPal, Apple Pay, CRMs, and other business applications, allowing you to manage payments seamlessly within your existing infrastructure.

What does virtual terminal payment processing cost?

Pricing depends on the features and integrations you need. Contact us for a free consultation, and we’ll provide a tailored quote based on your specific business requirements.

What types of payments can I process with the virtual terminal?

You can process credit cards, debit cards, ACH payments, eChecks, and recurring payments. This is a versatile solution designed to manage various payment types across multiple channels.

How quickly can I start using the virtual terminal?

Once your account is set up, you can start processing payments immediately. Most businesses are up and running within 1-2 business days.