Accept payments in person
Virtual terminal, card readers, and unified reporting. Everything you need for retail, restaurants, and service businesses.
Built for in-person businesses
Virtual Terminal
Key in transactions from any browser. Perfect for phone orders, mail orders, and walk-in customers without dedicated hardware.
Card Reader Support
Connect EMV chip, contactless (NFC/Apple Pay/Google Pay), and magstripe readers for secure in-person payments.
Omnichannel Reporting
See online and in-person transactions in one dashboard. Unified reporting across all channels.
Tip & Tax Support
Add tips, apply tax rates, and handle partial payments right from the terminal interface.
Employee Permissions
Create user accounts with role-based access. Cashiers ring up sales; managers view reports and process refunds.
Lower Card-Present Rates
In-person (card-present) transactions qualify for lower interchange rates — debit cards as low as 0.05% + $0.22.
Hardware & software that works together
Authorize.net Virtual Terminal
Browser-based — no software to install. Works on any device.
USB / Bluetooth Card Readers
Compatible EMV readers for chip, swipe, and tap payments.
POS Systems
Integrates with popular POS software via Authorize.net API.
QuickBooks / Xero
Sync transactions to your accounting software automatically.
Lower rates for in-person payments
Card-present transactions have lower interchange fees. On our Growth IC+ plan, a debit card tap costs as little as $0.35 on a $100 sale.
Ready to accept in-person payments?
No contracts, no hidden fees. Start accepting cards today.