Taking card-not-present transactions with Virtual Terminal

  1. Step 1:

    • Log in to your SumUp profile and select “Virtual Terminal” from the menu on the left-hand side.

    • Or: Open your SumUp App and navigate to “Settings” and select “Virtual Terminal” from the menu.

  2. Step 2:

    • Enter the payment amount and an item or service description. Note: You must enter a description to make a transaction. To prevent chargebacks, the description should be as accurate as possible so your customer can later recognise the charge.

  3. Step 3:

    • Enter the customer’s card details and select “Process Payment”.

  4. Step 4:

    • Once the payment has been successfully processed, you can provide the customer with a receipt via email or text. Alternatively, you can connect to a printer to offer a physical receipt.

We recommend that you always send receipts to your customers as this helps to remind them of the charges and therefore, helps you avoid chargebacks.

You can now find this transaction in the Sales History section of your SumUp profile (previously SumUp account). Note: The Virtual Terminal transaction will be listed just like the other transactions made with your SumUp Card Reader, in the Payout Report you will be able to see the difference in fees.

Always ask yourself the following when taking payments remotely:

  • Is the cardholder the card owner?

  • Is the customer satisfied with the goods/services provided?

If you ever answer any of these questions with “no”, please use our cardholder declaration form and request copies of the physical front of the credit card in order to match it with the customer's credentials.

Still, concerned?

If you are uncertain as to whether the person making the transaction is the owner of the card, you do not have to proceed. By not accepting card payments when you cannot confirm the cardholder's identity, you are avoiding the risk of a chargeback later or even the risk of fraud.


Download the cardholder declaration form here: