Take payments anywhere with a virtual terminal & mobile POS system
Turn any device into a mobile POS system. Accept payments on your computer with SpotOn Virtual Terminal. Or take payments on your mobile device with the SpotOn Payments app.
Because business happens
everywhere
Online. Over the phone. In person. You should get paid wherever you do business. SpotOn’s virtual terminal and mobile payments app make it simple to take payments from your phone or laptop without a special device—so you have the freedom to do business anywhere.
Digital payments that work for you
Take payments on the spot
Accept credit cards over the phone, in person, or even when a card isn't present. No hardware required.
Client
Charge credit cards from your computer. Just enter the card information in the virtual terminal of the SpotOn Client.
Mobile app
Process payments, voids, or refunds from your phone or tablet with our free app. Available for iPhone and Android.
Card reader
Tap, dip, swipe, and scan. Connect our optional Bluetooth card reader to make in-person payments even faster.
Automate your revenue
Create certainty for your business. SpotOn Virtual Terminal lets you accept up-front deposits and collect payments promptly without the stress.
Branded invoicing
Send out professional invoices in minutes with brandable templates that feature your business information and terms and conditions.
Email reminders
Let the tech follow up for you. Set up automatic email reminders to clients that stop as soon as you've been paid.
Recurring billing
Let regulars pay automatically. Keep customer cards on file and schedule payments and frequency according to your terms.
Do more with your data
Securely manage your information and use it to expedite transactions and drive more business.
Customer accounts
See all your customers at a glance. Add information and multiple payment methods, create payments, or view past transactions.
Transaction history
Get a summary of your payments from all devices. Search, filter, and export according to transaction status.
Marketing integration
Send out emails, create loyalty rewards, and manage your reviews by seamlessly connecting with SpotOn's marketing tools.
Power your business with tools that work together
Want more than virtual terminal payment processing? Check out our other solutions to see how we can help your business.
Work with real people who really care
We’re passionate about helping local businesses succeed. Our technology is customized for you and backed by a few promises:
- Honest pricing with no hidden fees and no long-term commitment
- A local account executive that's ready to assist whenever you need help
- 24/7/365 customer phone support that responds to requests within a few minutes
- Experts who'll ensure your tech is running smoothly—today and tomorrow
See how a virtual terminal can help your business
Looking for a way to accept payments on your terms? Get in touch with a sales representative today and see if SpotOn Virtual Terminal is right for your business.
Frequently asked questions
© SpotOn Transact, LLC. 2025. All Rights Reserved. SpotOn Transact, LLC. is a Registered Partner/ISO ofMerrick Bank, South Jordan, UT & Wells Fargo Bank,N.A., Concord, CA & Elavon Inc., Georgia [a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN].
Help Center
Please get in touch if you need one-to-one assistance getting started with new products or have questions for our Sales team.
