Payment methods · Virtual terminal
Take payments over the phone, securely.
Key in card details from the dashboard or mobile app for phone and mail orders. Built-in fraud scoring, optional 3-D Secure via a text-to-customer link, card on file for repeat orders, and instant receipts.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- Browser + app
- No hardware
- 500+
- Fraud signals on keyed entries
- Card on file
- For repeat orders
- Instant
- Email and SMS receipts
What you get with Virtual Terminal & Phone Payments on HL Hunt
Browser and mobile
Key in payments from any device logged into your HL Hunt account.
Fraud protection
Keyed transactions are scored like any other, with AVS and CVV checks.
Secure link option
Text the customer a link to enter their own card and complete 3-D Secure, shifting liability.
Card on file
Save tokenized cards for repeat phone orders with customer consent.
Receipts and notes
Email or SMS receipts with order notes and reference numbers.
Role permissions
Control which staff can key in, refund, or save cards.
Turn on Virtual Terminal & Phone Payments in minutes.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Enable
Virtual terminal is available on every account.
- 02
Present at checkout
Enter the amount and card details, or text the customer a secure entry link.
- 03
Settle and reconcile
Payments settle with your other channels and appear on the unified ledger.
Phone orders without the risk
Keyed transactions carry higher fraud and dispute risk than card-present or 3-D Secure payments. HL Hunt mitigates that with full fraud scoring on keyed entries and a secure-link option where the customer enters their own card and completes 3-D Secure on their phone, which shifts liability to the issuer.
What changes
HL Hunt vs a typical processor for Virtual Terminal & Phone Payments
| HL Hunt | Typical processor | |
|---|---|---|
| Virtual Terminal & Phone Payments setup | Enabled from your dashboard in one click | Separate contract, separate integration |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Virtual Terminal & Phone Payments is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Virtual Terminal & Phone Payments is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Virtual Terminal & Phone Payments today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Virtual Terminal & Phone Payments FAQ
What does a keyed transaction cost?
Keyed rates are published on /pricing. Using the secure-link option typically qualifies for the lower online rate with 3-D Secure.
Can I save a customer's card?
Yes, with consent. Cards are tokenized and stored by HL Hunt, never on your systems.
Is there a monthly fee for the virtual terminal?
No. It is included with every account.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.