ONE PARTNER FOR PAYMENTS, TERMINALS & FUNDINGUS-BASED SUPPORT · NO HIDDEN FEESCALL (888) 255-0425

Virtual Terminal Built to Save You

Key card payments by phone, mail, or email from any browser, store customer cards, recover fees with dual pricing, with US-based support.

$250 Million

 Payments Processed Annually

★★★★★5.0onGoogleUS-Based SupportNo Long-Term Contracts
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Recover Fees On Keyed Sales with dual pricing and cash discount
Save up to 100%on processing fees
Dual Pricing & Cash Discount
Recover Fees On Keyed Sales

Keyed and MOTO payments usually cost more than swiped cards, often pushing 3.5 percent. ProTech adds dual pricing to your virtual terminal so the card price covers that higher fee every time you key in an order.

You enter the sale, the screen shows the cash and card price, and the receipt records both. We set up the virtual terminal, post the required disclosure, and keep every transaction compliant with card brand rules and Texas law. US-based support, no long-term contract.

See how much you could save →
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Virtual Terminal

Key card payments from any web browser

Every remote sale gets billed differently. Whether you take phone orders, mail orders, or invoice after the job, ProTech gives you a secure virtual terminal in any browser, with saved profiles, recurring billing, and dual pricing so you recover most keyed fees, no hardware.

You get PCI-compliant encryption, a secure card vault, easy recurring charges, and U.S.-based support that walks you through setup. No hardware to buy, no long-term contracts, just keyed payments that clear and settle fast.

Talk to a payments specialist →
Merchant services and point-of-sale payment processing for your business
One platformevery way to get paid
For keyed orders

Charge any card from a browser

From phone and mail orders to follow-up invoices, your ProTech virtual terminal keys any card from a browser, with dual pricing built in.

Keyed and MOTO

Keyed and MOTO

Key phone, mail, and email orders by hand from any web browser.

Card on file

Card on file

Store customer cards in a secure vault for fast repeat charges.

AVS and CVV checks

AVS and CVV checks

Address and security-code checks help screen card-not-present risk.

Recurring

Recurring

Set automatic billing on a schedule for repeat customers.

E-invoicing

E-invoicing

Send an invoice with a pay link and reconcile it automatically.

ACH and eCheck

ACH and eCheck

Add low-cost bank payments alongside keyed card charges.

Start accepting every payment
All methods included, with no extra setup and no surprise fees.
Pricing options

Choose the pricing that saves you most

Three ways to price your credit card processing. Most ProTech merchants pick dual pricing to recover their fees.

01

Flat-rate

Simplest setup

One flat rate per sale, simple to read but usually the most expensive option.

  • One predictable rate
  • Easy to understand
  • Best for low volume
~2.6-2.9%effective rate
02

Interchange-plus

Most transparent

Wholesale cost plus a fixed markup, the most transparent rate for higher volume.

  • Full fee transparency
  • Lower cost at scale
  • Best for mid-high volume
~2.1-2.4%effective rate
★ Most popular 03

Dual pricing

Recover your fees

A cash price and a card price at checkout. Card customers cover the fee, so you recover most of your processing fees.

  • Recover most card fees
  • Cash & card price at checkout
  • No long-term contract
≈ $0net processing cost
See which fits my business

Not sure? We’ll recommend the best rate after a free statement review.

Why ProTech

The smarter keyed terminal

As a U.S.-based processor trusted by thousands of merchants, we put dual pricing on keyed and MOTO payments, so you recover the higher keyed fee instead of eating it, plus saved-card billing and support that actually answers when you call.

  • PCI DSS Level 1 secure processing with 256-bit encryption
  • Trusted by thousands of U.S. small businesses
  • Get approved in days, not weeks
  • Low transparent pricing with no hidden fees or long-term contracts
Get started today
01

Quick Setup

Get approved fast and start accepting credit card payments online.

02

Flexible APIs

Connect your store with flexible integrations and developer-friendly payment APIs.

03

Security

Built-in fraud prevention and chargeback management tools, ready whenever you need them.

04

Support

Real U.S.-based payment support, available 24/7 by phone and email.

What our merchants say

Rated 5.0 ★ from Google reviews by US businesses that trust ProTech with their payments.

How it works

Set up in three simple steps

From your first call to going live, ProTech makes switching payment processors simple.

1

Send your statement

We review your current credit card processing rates for free, with no obligation.

2

Get a terminal

We open your browser virtual terminal, set saved profiles, and built-in dual pricing.

3

Start saving

Go live with dual pricing and recover most of your credit card processing fees.

ProTech Payments specialists helping a merchant go live
Live in 1-3 daysReal US-based specialists
Start My Free Setup

No long-term contracts · No obligation

FAQ

Frequently asked questions

Everything US merchants ask before switching their credit card processing to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

Talk to a specialist →
or call (888) 255-0425
What is a virtual terminal?
A virtual terminal is a secure web page where you key in card details to charge a customer, with no physical card reader needed. You log in from any computer or tablet, type the card number, expiration, and amount, and process the sale. It is built for phone orders, mail orders, and invoicing. ProTech provides it through the NMI or Authorize.net gateway on a month to month account, so you can take card not present payments without buying hardware.
How do I take a payment over the phone?
Open the virtual terminal in your browser, enter the customer card number, expiration, CVV, and billing zip, type the amount, and submit, and the sale processes immediately. You can email or print a receipt. We recommend entering AVS and CVV details because they reduce fraud and can lower your rate. ProTech sets up the virtual terminal during onboarding and our US based team at (888) 255-0425 will walk your staff through the first few transactions.
Can I store a card on file for repeat customers?
Yes. The gateway tokenizes the card so you can securely store it on file and recharge the same customer later without rekeying the full number, which is useful for repeat orders, deposits, and balances. You can also build recurring billing on a stored card for subscriptions or installments. The real card number is not held on your systems, only a token, which keeps your PCI scope down. ProTech enables card on file and recurring during setup.
What are AVS and CVV and why do they matter?
AVS, the address verification service, checks the billing zip and street number against the card issuer, while CVV is the three or four digit security code on the card. Both confirm the buyer likely has the real card, which cuts fraud and chargebacks on keyed sales. Many processors also price card not present transactions better when AVS and CVV match. ProTech turns on these checks in your virtual terminal so your keyed sales are safer and priced more favorably.
Why are keyed in rates higher than swiped rates?
Keyed, or card not present, transactions cost more because the card is not physically present, so the fraud risk and the interchange the networks charge are both higher. A swiped or tapped card proves the card was there, which earns a lower rate. Keyed sales typically land toward the upper end of the 2.3 to 3.5 percent range. Using AVS and CVV can improve the rate, and ProTech can apply dual pricing to recover most of the cost regardless.
Do I need any hardware for a virtual terminal?
No, that is the point of a virtual terminal. It runs entirely in a web browser, so any computer, tablet, or phone with internet works, with nothing to buy or install. This makes it ideal for businesses that take orders by phone, mail, or invoice rather than at a counter. ProTech sets it up through the NMI or Authorize.net gateway on a month to month account, and you can add a reader later if you start taking cards in person.

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Join the US businesses that key phone and mail orders with ProTech, no hardware needed.

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