This article will guide merchants through the virtual terminal product and how to use and configure it.

The Virtual Terminal is a feature offered by Authorize.net that allows businesses to process credit card and eCheck (ACH) transactions manually from any device with an internet connection and a web browser. This service is especially helpful for businesses that receive orders via mail or phone.

How to submit a charge transaction through your Virtual Terminal

Follow these steps:

1. Log into the Merchant Interface.
2. Click on Virtual Terminal in the main left-side menu.
3. Select the Payment Method for the customer.
4. Select the Transaction Type.
5. Enter the payment and customer information.
   1. For Credit Cards the minimum fields ae:
      1. Card Number
      2. Expiration Date
      3. Amount of charge
   2. For Bank Account (ACH/eCheck*) the minimum fields are:
      1. ABA Routing Number
      2. Account Number
      3. Name on Bank Account
      4. Bank Account Type
      5. eCheck Type
      6. Amount
6. Click Submit to process the charge.
7. The results of the charge attempt will be provided on the next page.

The minimum required fields by the processing networks are: credit card number, expiration date and amount. Some Merchant Service Providers (MSPs) may require additional fields of data to be submitted (ex: customer name, billing address, etc.). Please check with your Merchant Service Provider on what customer data maybe required for processing.

*eCheck is an additional service you must be enrolled in our eCheck service, find additional information here.

How to configure and edit fields in Your Virtual Terminal?

Virtual Terminal settings in the Merchant Interface allows you to customize the fields you want to include and/or require for transactions processed through the Virtual Terminal.

Follow these steps:

1. Log into the Merchant Interface.
2. Click on Settings in the main left-side menu.
3. Select Virtual Terminal in the Transaction Submission Settings section.
4. Choose which fields you want to be editable and/or required.
   • View/Edit: This information can be seen and edited in the Virtual Terminal but is not required to process a transaction.
   • Required: This information is necessary to process a transaction.
5. Click Submit to update your Virtual Terminal settings. A confirmation message will appear, indicating that your settings have been successfully applied.

Note: The payment gateway requires that every transaction must contain an amount and either a credit card number and expiration date or ABA bank routing number and account number. As a result, these fields and others required by the payment gateway are not configurable and will always appear on the Virtual Terminal.

After you have submitted the fields you want to include on the Virtual Terminal, click 'Virtual Terminal' in the main menu to view the updated Virtual Terminal transaction form. The fields displayed will match the values you specified on the Virtual Terminal Settings page. You may also want to check with your processor to verify if they require any other fields to process transactions.

Potential Virtual Terminal Fields

Fields that may be selected include:

• Payment Information
  • Currency
  • Recurring Billing Transaction
  • Card Code*
• Order Information
  • Invoice Number
  • Description
• Customer Billing Information
  • First Name
  • Last Name
  • Company
  • Address**
  • City**
  • State**
  • Zip Code**
  • Country**
  • Phone
  • Fax
  • Email
  • Customer ID
• Shipping Information
  • First Name
  • Last Name
  • Company
  • Address
  • City
  • State
  • Zip Code
  • Country
• Additional Information***
  • Tax
  • Freight
  • Duty
  • Tax Exempt
  • PO Number

*Enable and use/require this field if you want to perform Card Code Verification (CCV) – More information here.

**Enable and use/require these fields if you want to perform Address Verification (AVS) – More information here.

***Enable and use/require for Level 2 data processing - More information here.

How to find transactions?

For steps and information on how to find and search for transactions including Virtual Terminal transactions, see support article: What reporting and search options are available in the Merchant Interface?

How to edit and void or refund a Virtual Terminal transaction?

For steps and information on how to void or refund transactions, see support articles:

How do I void transactions?
How to issue a refund transaction?