Accept Payments Without a Card Reader

Accept payments by phone, email, invoice, or secure payment link—no hardware required. Whether you're billing customers remotely or collecting deposits before the job begins, Pinpoint makes getting paid simple.

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Getting Paid Remotely Comes With

Different Challenges

Whether you're taking payments over the phone, sending invoices, or collecting deposits before work begins, your payment process should be fast, secure, and easy for your customers to complete.

Businesses that rely on remote payments need more than a way to process transactions. They need tools that simplify billing, accelerate cash flow, and make getting paid effortless.

Phone Payments

Customers shouldn't have to visit your office just to pay. A secure virtual terminal lets you kley in card payments over the phone quickly and professionally.

Slow Invoice Payments

Waiting days—or weeks—for checks or unpaid invoices slows your cash flow. Digital invoices make it easier for customers to pay immediately.

Missed Payment Opportunities

When customers are ready to pay, the process should take seconds. Payment links eliminate unnecessary back-and-forth by letting customers pay securely from any device.

Disconnected Billing

Invoices, phone payments, payment links, receipts, and reporting should all work together from one platform instead of requiring multiple systems.

Trusted by Business Owners Everywhere

Getting paid remotely should be just as simple as getting paid in person. Whether you're taking payments over the phone, sending invoices, or sharing secure payment links, you need technology that makes it easy for customers to pay and easy for your business to stay organized.

Recognized nationally for outstanding customer service delivered daily by our US based operations team.

The Talk Award Winner - 3 Years In A Row

The Talk Awards is a nationally recognized award honoring businesses with outstanding customer service, based on real customer feedback. Pinpoint Payments earned this recognition 3 years in a row for the service delivered by our Clearwater operations team.

The Talk Award Winner - 3 Years In A Row

Frequently Asked Questions About Virtual Terminals & Online Invoicing

What is a virtual terminal?

A virtual terminal is a secure, web-based payment tool that allows businesses to manually enter a customer's credit or debit card information without needing a physical card reader.

Virtual terminals are commonly used for:

Phone orders
Mail orders
Professional services
Deposits
Customer service payments
Remote billing

As long as you have an internet connection, you can securely process payments from virtually anywhere.

Can I accept credit card payments using my phone?

Yes. Compatible smartphones can accept contactless card and digital wallet payments using Tap to Pay technology without requiring additional hardware.

For businesses that also need to accept chip cards, swipe cards, or process larger transaction volumes, mobile card readers and wireless terminals are also available.

The best solution depends on how and where your business gets paid.

What's the difference between a virtual terminal and a payment gateway?

Although they're often mentioned together, they serve different purposes.

A virtual terminal allows you to manually process payments through a secure web interface.

A payment gateway connects your website, shopping cart, or software application to the payment processing network so customers can complete transactions online.

Many businesses use both depending on how they accept payments.

What's the difference between Tap to Pay and a mobile card reader?

Tap to Pay allows compatible smartphones to accept contactless payments without additional hardware.

A mobile card reader or wireless terminal can also accept chip cards, magnetic stripe cards, and larger transaction volumes while offering additional features such as receipt printing, barcode scanning, and longer battery life.

The right option depends on your business, payment volume, and customer experience goals.

Can I send invoices customers can pay online?

Absolutely.

Digital invoices allow customers to securely pay online using a credit card, debit card, or other supported payment methods.

Invoices can often include:

Itemized products or services
Due dates
Payment reminders
Company branding
Secure online payment buttons

This makes getting paid faster while reducing paperwork and manual collections.

What are payment links?

Payment links allow you to create a secure checkout page that can be shared by email, text message, or chat.

Instead of collecting payment over the phone, simply send a secure link and allow customers to pay when it's convenient for them.

Payment links are ideal for:

Estimates
Deposits
Service businesses
Remote sales
Social media
Customer support

Do customers need an account to pay online?

No.

Customers simply click the secure payment link or invoice, enter their payment information, and complete the transaction.

There's no need to create an account or download additional software.

Can I save customer payment information securely?

Many businesses choose to securely store customer payment credentials using tokenization, allowing future transactions or recurring payments without storing sensitive card information directly.

Available features depend on your payment solution and business needs.

Who should use a virtual terminal?

Virtual terminals are a great fit for businesses that regularly accept payments without customers being physically present.

Examples include:

Professional services
Medical practices
Home service businesses
Consultants
Law firms
Accounting firms
Insurance agencies
Nonprofits
B2B companies
Customer support teams

If you frequently take payments over the phone or invoice customers after completing work, a virtual terminal can simplify your payment process.

Are virtual terminal payments secure?

Yes.

Modern virtual terminals use encrypted technology and industry-standard security measures designed to help protect payment information during every transaction.

Additional security features may include:

Encryption
Tokenization
User permissions
Fraud monitoring
Secure payment gateways
PCI-compliant processing environments

Working with the right payment partner helps ensure your business has the tools needed to process remote payments confidently.

Let's Build the Right Payment Solution for Your Business.

Not every business accepts payments the same way. Tell us a little about your business, and we'll recommend a payment solution built around how you actually get paid.

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Accept Payments Without a Card Reader

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