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Virtual terminals & eCommerce

Take payment without a card in the room — by phone, by link, or on your own site.

Sometimes the best hardware is software

Card-not-present business has its own economics and its own risks. The setup should account for both instead of bolting a website onto a countertop account.

Virtual terminal

Key a sale from any browser

Take a payment over the phone, from an invoice, or in the field, using a secure browser page instead of dedicated hardware. Store customer credentials for repeat billing where you have permission to do so.

  • Browser-based, no equipment needed
  • Secure stored credentials
  • Recurring and scheduled payments
  • User permissions and audit trail
Online checkout

Gateways and online stores

Hosted checkout pages, payment links you can text or email, and direct integration with the major shopping carts. Tokenised so card data never touches your server and your compliance scope stays small.

  • Hosted and embedded checkout
  • Payment links by SMS or email
  • Shopping cart plugins
  • Tokenisation and 3-D Secure

What you get

Built in from day one

Fraud screening

Rules-based filters on velocity, geography and mismatched addresses, tuned to your risk profile.

Recurring billing

Subscriptions and payment plans with automatic retry on declines and card-updater support.

Invoicing

Send a branded invoice with a pay button and see in real time when it's opened and paid.

Reporting and reconciliation

Transaction data exportable to your accounting system without manual re-keying.

Chargeback tools

Early alerts and a structured response process so disputes don't quietly become losses.

Developer access

APIs and documentation if you're building the checkout yourself.

Selling online or over the phone?

We'll configure the gateway and fraud rules with you, not just hand over a login.

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Special Ops Payments is a full-service merchant services ISO (Independent Sales Organization) and a leader in the payments industry. We were among the first in the country to run a Visa/Mastercard-approved Dual Pricing Program, and we are proud to help business owners fight back against credit card processing fees that climb every single year. Founded and staffed by veterans of the special operations community — we hold ourselves to the standard we were trained to.

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