Virtual Terminals

Process payments anywhere with confidence

Turn any web-enabled PC into a cost-effective payment terminal

Converge, formerly known as virtual merchant, is a versatile payment gateway that enables businesses to accept payments quickly and securely using their PCs. With Converge, your computer becomes a virtual payment terminal, requiring minimal investment and effort. It supports various payment methods, including credit and debit cards, electronic checks, and gift cards. Whether you process transactions face-to-face, through mail/telephone orders, or online, Converge has you covered. It also simplifies recurring and installment payments. By using Converge, you can reduce risk, comply with industry security standards, and safeguard your financial data. It caters to businesses of all sizes and sectors, offering online account information and comprehensive reporting tools to streamline your payment processing operations.

Converge mobile payments leverage a secure, hosted environment with quick upgrades and end-to-end connectivity while eliminating the cost and complexities of a third-party provider. Plus, Converge is focused, stable, and trusted in the marketplace and is backed by 20 years of experience in the industry. Our mobile solution is supported by five key elements:
  • Turns any PC into a virtual payment solution in both in-person and mail order/ telephone order (MO/TO) environments.
  • Integrates “Buy Button” functionality easily and affordably with your shopping cart to securely process e-commerce transactions.
  • Allows for face-to-face retail integration through 3rd party software.
  • Processes a full array of payment types – credit, PIN-based debit, electronic benefits transfer (EBT), electronic check, and gift card.
  • Supports dynamic currency conversion (DCC) in both physical and e-commerce environments enabling customers to make purchases in U.S. dollars, or their home currency, and providing your business a new source of revenue.
  • Supports real-time processing and also features a highly efficient multiple-entry mode for key entering a series of non-real-time transactions.
  • Accommodates up to 5,000 users and Merchant IDs and easily scales over time, making Virtual Merchant ideal for all business sizes and any number of locations.
  • Allows smaller businesses to leverage existing PCs to handle all their accounting, inventory management, and payment processing needs.
  • Eliminates fees for software upgrades, new releases, and technical support – all of which are provided as part of the hosted service – greatly reducing the total cost of ownership.
  • A fully-hosted solution by Elavon minimizes your security liability and ensures card association regulations and standards are met – without the need for expensive compliance audits.
  • Allows you to establish business rules for e-commerce transactions that fall outside your normal business patterns – flagging transactions by type, value, or other criteria – to process most transactions automatically, but “pend” those that need further review.
  • Allows IP limitation for users logging into the user interface. Up to 50 IP addresses can be set for security.
  • Exports comma-separated value (CSV) data into other applications for further analysis or tracking.
    Maintains a detailed, 12-month history and supplies powerful, easy-to-use tools to identify trends and analyze transactions over time.
  • Employs the latest SSL certificate encryption technologies to ensure transactions are processed in a safe and secure manner.
  • Can be easily configured to ensure certain users only view and have access to appropriate data and reports.
  • Leverages your existing PC and internet connections, eliminating the expense of investing in dedicated payment terminals and telephone lines.
  • Processes transactions in as little as three seconds over an always-on, high-speed Internet connection.
  • Enables you to process authorizations at the time of sale, but submit transactions for settlement at a later date, without re-keying the transaction data – ideal for MO/TO or delayed delivery environments.
  • Can be quickly and easily accessed from any PC with an Internet connection, using a secure login; no hardware specifications, network infrastructure, or software installation is required.
  • Relies on a familiar browser-based interface, making screens very easy to navigate.
  • Offers instant assistance when needed using screen-sensitive “help”.
  • Allows for face-to-face retail integration through 3rd party software.
  • Supports widely used eXtensible Markup Language (XML) as well as HTTP. post-integration, for easy integration into most payment environments.
  • Supports a variety of peripherals, including mag-stripe readers, PIN pads, and receipt printers.

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