One of the fastest growing segments of credit card use today is in “card-not-present" transactions in which a customer orders by mail, telephone, fax, or via the Internet instead of being physically present at the merchant's location. Merchants can process mail/telephone orders quickly and easily by using a virtual terminal, or Point-of-Sale (POS) credit card processing software. A third option would be to simply manually enter transaction data through a traditional POS credit card terminal.

M & M Card Services enables brick-and-mortar merchants to accept and process credit card payments from their website. When a customer initiates a transaction, your website sends credit card information to an Internet Payment Gateway/Virtual Terminal. The gateway passes the information on to the credit card processing network and then forwards the approval back to the virtual terminal in real-time. The entire process takes just seconds to complete.

A virtual terminal can be used to perform all of the same functions of a physical credit card terminal. Through Internet access and a secure website, you are able to manually process credit card transactions from orders received offline, issue credits, void transactions, and view your online list of transactions, from any computer in the world.