Virtual Terminal

Save Payment Data Confidently


Now, if you have a PC, you can take payments – quickly and securely, anywhere, any time – without a major investment of money or effort. Converge (formerly virtual merchant) payment gateway is a complete hosted payment solution that instantly transforms your PCs into “virtual” payment terminals. Accept a full range of payment types – from credit and debit cards to electronic checks and gift cards. Process transactions in physical face-to-face, mail order/telephone order, or e-commerce environments. Easily handle recurring and installment payments. Reduce your risk and compliance headaches by letting Converge protect your financial data and ensure you’re in compliance with the latest industry security standards and regulations. Best of all, Converge is designed to accommodate organizations of any size in any business segment. The online account information and robust reporting gives your business the tools needed to manage your payment processing more efficiently and effectively.

Billing & Invoicing

  • Go global by billing international clients in their local currency. Converge supports up to 91 currencies
  • Customize the invoice and payment pages to reflect your company’s brand
  • Schedule invoices or send them right away

Benefits at a Glance

  • Turns any web enabled PC into a payment terminal
  • Supports all payment environments including retail face-to-face, mail order, telephone order and e-commerce
  • Accommodates up to 5,000 user and merchant numbers to grow with you as your business grows


Converge’s mobile payments leverages a secure, hosted environment with quick upgrades and end to end connectivity while eliminating the cost and complexities of a third-party provider. Plus, Converge is focused, stable and trusted in the marketplace and is backed by 20 years experience in the industry allowing us to support our mobile solution with five key elements:

  • Turns any PC into a virtual payment solution in both physical (face-to-face) and mail order/ telephone order (MO/TO) environments
  • Integrates “Buy Button” functionality easily and affordably with your shopping cart to securely process e-commerce transactions
  • Allows for face-to-face retail integration through 3rd party software
  • Processes a full array of payment types – credit, PIN-based debit, electronic benefits transfer (EBT), electronic check and gift card
  • Supports dynamic currency conversion (DCC) in both physical and e-commerce environments enabling customers to make purchases in U.S. dollars or their home currency, and providing your business a new source of revenue
  • Supports real-time processing and also features a highly efficient multiple-entry mode for key entering a series of non-real-time transactions
  • Accommodates up to 5,000 users and Merchant IDs and easily scales over time, making VirtualMerchant ideal for any size business and any number of locations
  • Allows smaller businesses to leverage existing PCs to handle all their accounting, inventory management, and payment processing needs
  • Eliminates fees for software upgrades, new releases, and technical support – all of which are provided as part of the hosted service – greatly reducing the total cost of ownership
  • Fully-hosted solution by First Data minimizes your security liability and
    ensures card association regulations and standards are met – without the
    need for expensive compliance audits
  • Allows you to establish business rules for e-commerce transactions that fall outside your normal business patterns – flagging transactions by type, value, or other criteria – to process most transactions automatically, but “pend” those that need further review
  • Allows IP limitation for users logging into the user interface. Up to 50 IP addresses can be set for security
  • Exports comma separated value (CSV) data into other applications for further analysis or tracking
  • Maintains a detailed, 12-month history and supplies powerful, easy-to-use tools to identify trends and analyze transactions over time
  • Employs the latest SSL certificate encryption technologies to ensure transactions are processed in a safe and secure manner
  • Can be easily configured to ensure users only view and have access to appropriate data and reports

Efficient & Cost-Effective

  • Leverages your existing PC and internet connections, eliminating the expense of investing in dedicated payment terminals and telephone lines
  • Processes transactions in as little as three seconds over an always on, high-speed Internet connection
  • Enables you to process authorizations at the time of sale, but submit transactions for settlement at a later date, without re-keying the transaction data – ideal for MO/TO or delayed delivery environments

Reliable & Easy to Use

  • Can be quickly and easily accessed from any PC with an Internet connection, using a secure login; no hardware specifications, network infrastructure, or software installation required
  • Relies on a familiar browser-based interface, making screens very easy to navigate
  • Offers instant assistance when needed using screen-sensitive “help”
  • Allows for face-to-face retail integration through 3rd party software
  • Supports widely used eXtensible Markup Language (XML) as well as http post integration, for easy integration into most payment environments
  • Supports a variety of peripherals, including mag-stripe readers, PIN pads and receipt printers