Guide to Accepting Payments with Virtual Terminal

You have registered for Virtual Terminal and want to start taking remote payments? This guide will help you get started quickly and securely.

Not registered yet? Find out more about the registration here.

Follow these steps to take card-not-present transactions with Virtual Terminal

Step 1:
Login to your SumUp Account at and select the “Virtual Terminal” option from the menu on the left-hand side.
Using the SumUp App? Navigate to settings and select the Virtual Terminal option from the menu.

VT-Screenshot.png Step 2:
Enter the payment amount and a service/item description. To prevent chargebacks, the description should be as accurate as possible so your customer can recognize the charge.
Note: Entering a description is mandatory for charging the payment.

Step 3:
Enter the customer card details into the corresponding fields.
Finished? Click Continue.

Step 4:
A tab will now pop up and show you a summary of the transaction details.
Does everything look in order? Have you double-checked?
If so, click "Process Payment" to confirm the transaction.

Step 5:
Once the payment has been successfully processed, you can provide the customer with a receipt via email or text. Alternatively, you can download a PDF to print.
In order to prevent chargebacks, it is important to send a receipt to your customer to ensure any charges are recognized by them at a later stage.

Congratulations – all done!

You can now find this transaction like any other transaction in the Transaction section of your SumUp account.

Always ask yourself the following questions when taking payments remotely:

  • Do I know the cardholder?
  • Is the cardholder the card owner?
  • Is the customer verifiably satisfied with the services?

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

Still concerned? Do not accept the payment.

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 credit card authorization form here:

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