Dojo’s newest feature allows businesses to accept payments remotely, without a card necessarily being present. It’s quick to set up, secure and ideal for payments you need to take instantly.
But don’t just take our word for it, we’ve put together a handy guide to explain everything you need to know about Dojo’s virtual terminal, so let’s get started.
A virtual terminal essentially turns your operating system, whether that be a phone, laptop, computer or tablet, into a digital payment card terminal. It’s an ideal payment method for accepting credit and debit cards over the phone or for remote billing.
Systems from different providers will vary but typically you’ll need:
The below 4 steps provide a very basic overview of how a virtual terminal typically works, however, this can vary by provider:
Read our guide on how to take card payments over the phone or our help centre article on virtual terminals for a step-by-step breakdown of how Dojo’s virtual terminal operates.
It allows your small business, or medium-sized business, to process remote payments alongside physical face-to-face payments via a card machine. This can be truly beneficial in allowing you to:
We know security is paramount for small and medium businesses. You’ve worked hard for your money and you want to make sure it’s protected. Rest assured, we use secure technology that creates end-to-end encryption between our web server and your browser, helping keep both yours and your customers’ details safe.
All payments processed through Dojo’s virtual terminal are PCI DSS compliant and can be checked by Address Verification System (AVS).
We don’t stop there, we also use tokenisation to protect your customer’s card details. This just means that we help keep your customers’ private data safe by encrypting sensitive information to make it hard to decipher.
AVS is a security check performed by the cardholder’s issuing bank during the authorisation process that asks customers to confirm the debit or credit card’s associated billing address. It can be a useful indicator of fraud but if you or your staff are unsure about a transaction it’s always worth asking for additional identification from your cardholder.
The virtual terminal is part of our online payment offering, allowing you to accept online payments instantly, securely and with peace of mind. You can use the virtual terminal to take customer payment, refund transactions and track remote payments. You can also itemise your payments by printing receipts for both you and your customer.
Yes, a virtual terminal is designed to accept online or remote payments. This means you can process secure payments via telephone without having to worry about your security being compromised.
The virtual terminal is just one way to accept remote payments. If you’re signed up for a Dojo Go card machine monthly contract, you can also access payment links.
Virtual terminals are perfect for businesses to securely take payments in real time and are ideal for any business taking payments for goods and services over the phone where a payment link or online checkout slows down the speed of their service, and in-person payments aren’t practical.
Here are some great use-case examples of when a virtual terminal could be useful to process payments for small businesses:
For each transaction you take with your virtual terminal you will be charged +0.5% on top of the face-to-face rate, plus a 5p Secure Transaction Fee. The face-to-face rate just means the rate you would be charged per transaction if you were taking payment with a physical card machine. This is to keep your transaction safe against potential fraud which can be a higher risk with CNP, or card not present, transactions.
Read on to understand why virtual terminal transactions are priced differently to chip & pin and contactless transactions.
The payment details taken via virtual terminal are usually keyed-in and manually entered as the cardholder isn’t standing directly in front of you to tap their card. Chip and pin, or contactless, payments allow for vendors to ask for ID or a pin to authorise a sale. This is not possible with CNP (card not present transactions) so card networks deem this to be potentially higher risk in terms of fraud; so they charge you a slightly higher fee for protection.
First things first, in order to take remote payments or payments over the phone, you need a merchant account. Dojo provides a merchant account for free when you sign up to a monthly card machine contract with us.
if you’re not already a Dojo customer you’ll need to sign up for a Dojo account and card machine. Our virtual terminal can be accessed by signing in to your Dojo account on desktop or mobile, under the “Payments” button. If you don’t see that option in the app, please reach out to our customer service team and ask for authorisation to take “card not present transactions”.
If you’re looking to switch from another card payment provider to Dojo we can help - just fill out the short form here and we’ll be in contact within 24 working hours to set you up with a pricing package that suits your business.
If you’re not quite ready to talk to one of our friendly advisors yet, you can find more information on our pricing here.
In short, yes. The virtual terminal is essentially a digital POS system that can be accessed through your Dojo account and is browser based. This means that as long as you have access to a tablet, phone or computer and internet you’ll be able to take secure payments from your customers regardless of the operating system.
To accept card payments for your small business over the phone you will need to sign up to Dojo for a card machine. Remote payment options like payment links and virtual terminal, plus access to integrated accounting, are all freely available once you’ve signed up to a monthly contract.
Find out more about our pricing or get in touch with us for a package that suits your business.
Yes, all major card providers like VISA, Mastercard and AMEX plus those on the Discover Network© are accepted through the virtual terminal.
A payment gateway is technology that allows you to accept credit and debit card payments by sending money between a merchant account and a payment processor.
The virtual terminal gives you access to our payment gateway straight from our app so that you can process payments from internet enabled devices with a screen and keypad. You don’t need engineering or developer resources to build an integration to use it; it’s already set up to take payments instantly. This is especially useful for businesses that don’t require or have an online store but do need to take remote payments via fax, mail or phone.
If you already have a Dojo card machine and have signed up for a monthly subscription you could be taking online payments for both debit and credit cards in just 24 hours. If you have approval to take ‘card not present’ transactions, a virtual terminal should automatically appear. If you can’t see that option under the “Payments” button, call our customer service team to ask for card not present transactions. If you’re experiencing any issues check out our help centre for more guidance.
For more information, check out our help centre guide on how to access the virtual terminal tool, take payments, review transactions and refund customers all with Dojo’s virtual terminal.