Virtual Terminal

What it does

• Online checkout and payment acceptance
• Money transfers and remittance
• Invoicing and payment links
• In-person payments and POS
• Buy now, pay later installment payments
• Embedded payments for platforms and marketplaces
• Business lending and debit cards

Category

Banking and payments

Built for

Financial services and insurance

Users

Consumers, Small and medium businesses, Enterprises, Platforms and marketplaces

Public API

Not offered

Not yet disclosed: deployment options, platforms, languages and support channels.

Pricing

• Free plan$0
• Usage-based$0.29

Prices as published by PayPal, checked Oct 2026.

Security and compliance

As reported by PayPal. Ask for audit reports before you buy.

• PCI DSSCompliant

• Payment encryption
• Full financial information not shared with merchants
• Buyer Protection
• Seller Protection
• Fraud Protection Advanced
• Chargeback Protection

Reviews

• 

  Square Banking

  by Square

  Business banking services including checking accounts, savings accounts, loans, and business credit cards.

• 

  Open Banking Services

  by Dwolla, Inc.

  Instant account verification, balance checks, and fraud mitigation for account-to-account payments.

• 

  Banking as a Service

  by Airwallex

  Natively embed white-labeled global banking capabilities including accounts, card issuing, and payments into your platform via APIs.

• 

  SIREN Card

  by cred.ai

  Credit card for Starbucks Partners, issued by WSFS Bank under a Visa license.

• 

  Capital & Treasury

  by Owny, Inc.

  Core infrastructure to manage USD payments and settlements with direct USD accounts at top-tier U.S.

• 

  MX Mobile Banking

  by MX Technologies, Inc.

  Fully-featured digital banking platform with mobile SDKs that empowers financial institutions and fintechs to deliver data-driven, contextual, and personalized mobile banking ex...