Virtual Terminal Gateway

Secure and Efficient Online Processing

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With our secured gateway, we make it easy to accept credit cards from your computer. By using a web browser, you are able to accept card payments through a USB Card Reader. Furthermore, you can also setup Recurring Payments with secured tokenization.

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Virtual Credit Card Terminals With PCI Security

At Bankcard Associates, we make security a top priority for every merchant. PCI Compliance is a requirement for any business that accept and process any type of credit card payments. All of our payment processing solutions are backed by PCI compliant security features designed to protect you and your customers. 

Reliable, Cost-Effective Virtual Merchant Account

If you own a small business, work from home or accept payments mainly from mail order and telephone order sales, then our virtual credit card processing services can help streamline your payments for quick, efficient and secure services. By either manually keying-in or swiping card data from your computer, you can speed up the authorization process and enjoy improved profits right away. The only requirement for our virtual terminal is an internet connection.

Recurring Payments With Secured Tokenization

Customers expect flexibility and convenience when making online payments. With recurring billing options, customers can set up weekly or monthly payments and have receipts emailed directly to their inbox. To ensure the safety of these payments, all card data is stored in our secured gateway under tokenization.

What Is Tokenization?

Tokenization is a security method that reduces merchant liability of handling sensitive data and reduces their PCI scope. It replaces sensitive payment data with a unique token that is worthless to thieves. This process safeguards sensitive customer payment information and ensures safe, secure transactions.

A Four Step Solution

  • Customer supplies method for purchasing. Merchant sends payment data to the Gateway via swipe, key-in, e-commerce or batch mode processing.
  • Gateway creates a token for the transaction and encrypts the data so that no one is able to read it while the transaction is waiting for authorization.
  • The transaction is either approved or declined and the transaction details are returned to the Gateway.
  • Finally, the Gateway returns the token and transaction data back to the merchant. Now, the merchant has the ability to store the token in place of the credit card data in their system.

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