Take payments without a terminal.
Key in credit cards from any browser — for phone orders, mail-in payments, B2B invoicing, and backup when your hardware isn't the right fit. Tampa Bay Pay offers five virtual terminal options — we match you to the one that fits your business.
A payment page that lives inside your browser.
A virtual terminal is a secure web interface where you manually key in a customer's card details and charge the sale — no physical terminal, no app, no swipe hardware required. Virtual terminal functionality is standard at the payment gateway level, which means the gateway you choose is the virtual terminal you get.
Most providers lock you into a single gateway. Tampa Bay Pay doesn't. We work with five different payment gateways — each with its own virtual terminal — and we match you to the one that fits your business, your workflow, and your integrations.
Built for businesses that take payment after the job, over the phone, or in the mail.
B2B Companies
Invoice clients, collect payment over the phone, and reconcile directly into QuickBooks when you pair it with our Hyfin integration.
Professional Services
Attorneys, accountants, consultants, and agencies taking card-not-present payments on retainers, installments, and scheduled billing.
Field Service & Trades
Plumbers, electricians, HVAC, landscapers, pest control — bill after the work is done, no terminal in the truck required.
Medical & Dental
Store a card on file, charge between visits, collect copays and balances without the patient walking back into the office.
Phone & Mail Order
The classic MOTO use case — catalog orders, subscriptions, reservation deposits, and anything else that closes over the phone.
Terminal Backup
Your POS goes down, your internet drops, your Clover won't sync — you still take cards. A virtual terminal is the safety net.
Everything you need to run card-not-present payments.
Keyed Card Entry
Enter card details manually — Visa, Mastercard, Amex, Discover.
Customer Vault
Tokenize and store cards on file — charge repeat customers in two clicks.
Email Invoicing
Send a branded pay-link by email; customer clicks, pays, you're done.
Recurring Billing
Schedule automatic charges — weekly, monthly, or custom intervals.
AVS + CVV Screening
Built-in fraud checks on every transaction to cut chargebacks.
Multi-User Access
Give your team role-based logins — track who ran which sale.
Detailed Reporting
Filter by date, user, card type, status — export to CSV any time.
Works on Mobile
Same interface on your phone's browser — take a payment from anywhere.
Five virtual terminals. One right fit.
Each of the five gateways we work with has its own virtual terminal with its own strengths — built-in QuickBooks sync, cash discounting, advanced fraud tools, API-first architecture, or the industry-standard interface your bookkeeper already knows. We'll recommend the right one based on how you actually run your business.
Compare gateway features →From application to first charge — typically under a week.
Apply
Fill out our short merchant application — we match you with the right gateway based on your business.
Get approved
We handle underwriting and stand-up of your merchant account and gateway login credentials.
Log in
Open the gateway dashboard in any browser — desktop, tablet, phone. No installation.
Start charging
Key in the card, hit charge, get paid. Funds hit your bank in 1–2 business days on standard ACH.
Frequently asked.
Start taking payments without a terminal.
Apply in under five minutes. We'll match you with the right gateway and have your virtual terminal live within a week.
What Our Clients Are Saying
Tampa Bay businesses share their experience working with Tampa Bay Pay — from setup through ongoing support.
The Highest Rated Payment Team in Tampa Bay
Don't take our word for it — here's what local business owners say after switching to Tampa Bay Pay.
Verified Reviews