Getting started with Virtual Terminal

Your customers want to pay with a credit card but are not physically present to make the payment? That’s why we’ve developed Virtual Terminal.

In this article:

  • What are the benefits of Virtual Terminal?
  • Who is eligible?
  • What are the business requirements? 
  • What does it cost?
  • How do I sign up?
  • Step-by-Step-Guide to using Virtual Terminal

What are the benefits of Virtual Terminal?

  • Accept card-not-present transactions over the phone, via email or app

  • Increase convenience for customers as they won’t have to be physically present for payments

Who is eligible to use Virtual Terminal?

Virtual Terminal is available to many businesses, however, there are some we cannot support:

Restricted businesses*
  • Alcohol sales
  • Bars/nightclubs
  • Currency exchanges (digital)
  • Debt collection 
  • E-cigarette sales
  • E-voucher merchant models 
  • Online pharmacies
  • PPI claims
  • Tattoo studios
  • Tobacco products 
  • Telemarketing
  • Unlicensed ticket agencies
  • Marijuana/CBD and other related products
  • Adult entertainment and other related services

*This is not an exhaustive list and is subject to change.

What are the business requirements?

To protect you and your customers, there are some requirements for you to fulfil before you can use Virtual Terminal.

When submitting a request for Virtual Terminal, please be aware that you will need to have a strong proof of your business’ online presence. Please provide us with links to your business’ online presence such as websites or social media.

We can verify your business with any of the following documentation:

  • Business registration number
  • Employer Identification Number/Copy of Employer Identification Number letter
  • Registration documentation issued by the official authorities
  • Annual business tax returns


These documents need to be issued in the applicant’s name or we will require a Power of Attorney for the person named in the application.

What does it cost?

For every transaction with Virtual Terminal, we charge a flat fee of 2.95% + 0,25 GBP/ 0,25 EUR. There are no other costs for using this service.

How do I sign up for Virtual Terminal?

If you have a business we can support, and you have the documentation ready, then let's get started.

New to SumUp?

  1. Create a SumUp account at
  2. After we’ve verified your account, send an email to the Support Team with your Virtual Terminal request.
  3. Fill out the Virtual Terminal application form that we’ll send you and send it back to us.

Already have an account?

  1. Send your request for Virtual Terminal to the Support Team from the email linked to your SumUp account.
  2. Fill out the Virtual Terminal application form that we’ll send you and send it back to us.

After we’ve reviewed your application, we’ll notify you of our decision.

Step-by-Step-Guide to using Virtual Terminal

You’re all set. Check out our Step-by-Step Guide for using Virtual Terminal, making it easy for you to start taking remote payments.

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