> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/resources/virtual-terminal.md).
# Virtual Terminal
Accept payments, manage transactions, and configure Virtual Terminal in Merchant Portal.
Xplor Pay Virtual Terminal lets you accept online payments from a browser using a computer, tablet, or mobile device.
Learn here how to take payments, manage transactions, create recurring plans, and configure settings in the Virtual Terminal.
### Sign in and open Virtual Terminal
Go to [Merchant Portal](https://merchantportal.xplorpay.net/) and enter your credentials.
If needed, select **Forgot Username/Password** to recover your username or reset your password.
{% hint style="info" %}
Your Xplor Pay username also works for Compass. Changing your password updates it in both places.
{% endhint %}
After you sign in, select the business or MID. Select **Virtual Terminal** in the navigation. Then select the page you need.
### Take a payment
{% stepper %}
{% step %}
#### Select the account and terminal
Select the MID, if needed.
Select **Take a Payment** under **Virtual Terminal**.
Select the terminal identification number (TID), if needed.
{% endstep %}
{% step %}
#### Choose the transaction type
For card payments, select **Sale**, **Authorization**, **Forced Sale**, or **Unmatched Refund**.
Available transaction types depend on your access level.
{% endstep %}
{% step %}
#### Enter card information
Use a connected device or peripheral to swipe, dip, or tap the card. After capture, card fields display asterisks.
For manual entry, enter:
* Card number, expiration date, and card security code (CSC).
* Amount, including the decimal point.
* ZIP code, if available.
{% endstep %}
{% step %}
#### Enter ACH information
If ACH is enabled, select the ACH transaction tab. Enter the transaction type, account type, ownership type, account holder name, routing number, account number, and amount.
{% endstep %}
{% step %}
#### Add optional details and submit
Use **Additional Information** to add billing, shipping, or order details. Submit the transaction when ready.
{% endstep %}
{% endstepper %}
### View and send receipts
After a successful payment, open **Virtual Terminal → Transaction Search**. Use filters to find the transaction.
Select the transaction to open its details. Then select **Print/Email Receipt**. You can print or email the receipt and view the customer copy.
### Void a transaction
Open **Virtual Terminal → Transaction Search**. Select **Void** beside the transaction.
Review the details. Select **Process Void Now** to complete the void.
### Issue a refund
A matched refund applies to a previous transaction. The card does not need to be present. You can refund part or all of the original amount. You cannot exceed the original amount.
An unmatched refund is not linked to an earlier transaction. Most users cannot issue unmatched refunds by default. Contact Support if you need access.
To issue a matched refund:
1. In **Transaction Search**, use filters to find the transaction.
2. Select the transaction actions, then select **Refund**.
3. Adjust the amount or add notes, if needed.
4. Select **Issue Refund**.
### Find pending authorizations
Use **Transaction Search** to find authorizations that still need capture.
1. Select **Adv. Filters**.
2. In **Transaction Type**, select **Pending Auth**.
3. Select **Capture** beside the transaction.
4. Adjust the amount, add a tip or comment if needed, then select **Capture**.
You can capture the full amount or a lower amount. Add a tip to capture more than the original amount.
### Set up recurring payments
Recurring payments require additional setup. Create a customer, add a payment method, and then create a plan.
{% stepper %}
{% step %}
#### Create a customer
Select **Customers**, then select **Add Customer**. Enter the customer details and select **Save Customer**.
First name, last name, and billing address are required.
{% endstep %}
{% step %}
#### Add a payment method
Under **Payment Methods**, select **Add**. Enter card or ACH details, then select **Save**.
For cards, card number, expiration date, and CVV are required. For ACH, account type, account holder name, routing number, and account number are required.
{% endstep %}
{% step %}
#### Create a payment plan
Select **Add Plan**. Enter the amount, start date, end date, and payment frequency. Select **Save Plan**.
Virtual Terminal processes payments using the plan settings.
{% endstep %}
{% endstepper %}
If you use Account Updater Service, Xplor Pay updates eligible Visa, Mastercard, and American Express card data. Hover over a card on the customer page to view its last update.
### Process an ad-hoc card-on-file payment
1. Select **Take a Payment**.
2. On the **Sale** tab, select **Find Customer**.
3. Find the customer, then select the dollar icon.
4. Enter the amount and any additional details.
5. Select **Run Transaction**.
The saved card populates the card information fields.
### Manage Virtual Terminal settings
Open **VT Settings** to manage Merchant Settings, Terminal Settings, External Terminal, AVS, CSC, HPP, Paylink, and Customer Recurring Payments.
#### Terminal settings
Configure the terminal name, time zone, batch closing, and batch report recipients.
When **Enable Auto Close Batch** is enabled, the gateway submits open transactions for settlement daily. Set the closing time with **Auto Close Batch Time**.
Enable **Batch Close Report** to send daily batch reports. Add each recipient’s email address under **Batch Report Recipients**.
#### Address verification and card security codes
Address Verification Service (AVS) compares the entered billing address with the issuing bank’s records. It can help reduce fraud and processing costs.
Card security code (CSC) checks the three- or four-digit card code. Visa calls it CVV2. Mastercard calls it CVC2.
AVS and CSC are disabled by default. When disabled, Xplor Pay sends available information to the issuing bank. When enabled, Virtual Terminal can void transactions that return disallowed responses.
#### Hosted Payment Page
If enabled for your account, manage Hosted Payment Page (HPP) settings in the **HPP** tab.
You can enable or disable HPP, update the website domain, and copy the public key. Keep the public key within your implementation code.
#### Paylink
Use the **Paylink** tab to manage payment links. Configure whether Paylink is enabled, the payment URL, success and cancellation URLs, and configurable properties.
#### Customer recurring payments
Use the **Customer Recurring Payments** tab to review recurring customers. Follow the page instructions to upload a customer CSV, assign tokens, and connect customers to plans.
### Get support
Contact Xplor Pay Support for help with Virtual Terminal, Merchant Portal, or other Xplor Pay applications.
### Demo
Click the button to see Virtual Terminal demo.
Demo
---
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