Virtual Terminal and Payment Processing Software Tools

Invoice clients and accept card payments from anywhere you have an internet connection, whether you're at home, in the office, in the car, or at the airport. Clearwater Processing's virtual terminal, invoicing, and payment processing software tools, together with recurring billing, online gateways, reporting, and PCI compliance, help businesses get paid faster, improve cash flow, and reach dedicated US-based assistance whenever payment questions arise.

Merchant using a virtual terminal on a laptop to process a customer card payment

Our Payment Processing Services

Flexible tools for invoicing, virtual transactions from anywhere, recurring billing, online payments, reporting, compliance, and tailored merchant processing environments.

Virtual Terminal

Take client payments anywhere you have an internet connection: your home or office, in the car, or at the airport. The web-based virtual terminal works on any internet-connected device, so you can key in card payments by phone or email without terminal hardware.

Recurring Billing

Manage recurring or subscription-based transactions through back-office billing capabilities, so repeat clients are charged on schedule without re-entering card details each time. Clearwater can also automatically update customers’ cards that are about to expire, saving time and retaining revenue.

Payment Gateways

Accept card payments online through ecommerce gateway solutions with API integration, reporting, PCI compliance support, and payment processing capabilities.

Merchant Reporting

Review transaction details, merchant statements, and account information through a secure reporting portal available through an online login.

PCI Compliance

Support secure card transactions with PCI compliance solutions, fraud-prevention best practices, and $100,000 breach protection insurance.

Invoicing

Send custom invoices that clients can pay by card, from the office or on the road. Invoicing supports dual pricing and zero-fee programs, invoice payments show up in your merchant reporting, and records can sync with QuickBooks or Xero.

Dual Pricing & Surcharge Options

Decide how card fees are handled before an invoice goes out. Custom invoicing supports dual pricing, which shows clients a cash price and a card price, and zero-fee (surcharge) programs, so you can keep more of each invoice paid by card. Card-network rules and state laws set disclosure requirements, so confirm what applies to your business before you switch.

QuickBooks & Xero Sync

Invoice payments, virtual terminal sales, and recurring charges can sync with QuickBooks or Xero, so paid invoices are recorded in the accounting software you already use instead of being re-keyed by hand. Your books, your merchant reporting, and your next-day deposits tell the same story at month-end.

Payments From Anywhere

All you need is an internet connection and a web browser. Sign in from a laptop or tablet at home, in the office, in the car between appointments, or at the airport before a flight, then key in a card payment while the client is on the phone or send the invoice they have been waiting for. There is no terminal to carry and no hardware to set up.

Invoicing And Mobile Payments

Get Paid Anywhere, Invoice Anytime

Your clients don't always pay while you're at your desk, and your payment tools shouldn't be tied to one either. With Clearwater Processing, you can process client payments wherever you have an internet connection: your home or office, in the car between appointments, or at the airport before a flight. The virtual terminal is web-based, so there is no terminal to carry; sign in from a laptop, tablet, or other internet-connected device, key in the card details a client gives you by phone or email, and the payment lands in the same account as the rest of your sales. Invoicing works the same way. Send custom invoices that clients can pay by card, choose dual pricing or a zero-fee (surcharge) program where card-network rules and state laws allow, and bill repeat clients on a schedule with recurring billing, while automatic card updating refreshes cards that are about to expire so those payments keep going through. Invoice and virtual terminal payments flow into comprehensive reporting and can sync with QuickBooks or Xero, so your books match your deposits, with next-day funding, PCI compliance support, and acceptance of all major card types behind every transaction.

Business team reviewing payment processing software and transaction reports
The Clearwater Difference

Why Choose Clearwater Processing?

Get payment technology paired with transparent guidance and personalized merchant support.

Proven Experience

Clearwater Processing has set up payment processing environments for merchants since 2003.

Personal Support

Your dedicated representative is a single point of contact with industry experience, a real person you reach on a personal cell phone rather than a chat box, backed by US-based backend phone support available 24/7/365.

Work From Anywhere

Process payments and send invoices from any internet-connected device, whether you are at home, in the office, in the car, or at the airport.

Fee Visibility

Merchant statement analysis helps clarify confusing charges, with clients seeing 10%–30% savings on average.

Meet The Clearwater Team

Experienced payment professionals supporting merchants with tailored technology and guidance.

Clearwater Processing’s tools include ecommerce gateways, virtual terminals, back-office billing, standalone terminals, PCI compliance, merchant statement analysis, reporting, and funding support. Clearwater maintains locations in South Florida, New York City, and Arizona while serving clients in 32 states across the United States. Its approach combines payment technology with transparent merchant services, dedicated representatives, and US-based support designed to help businesses understand processing and manage payments with greater confidence.

EstablishedServing merchants since 2003
CoverageServing clients in 32 states
SupportUS-based backend support 24/7/365

Frequently Asked Questions

What is a payment solution?

A payment solution is a combination of technology and merchant services that helps a business accept, process, manage, and monitor customer payments. It may include a virtual terminal, ecommerce gateway, merchant account, recurring billing, reporting, PCI compliance support, or back-office billing. Clearwater Processing creates tailored processing environments based on how a business collects payments.

What is a virtual terminal used for?

Can I send invoices and get paid by card?

Can I process client payments when I'm away from the office?

What invoicing features does Clearwater Processing offer?

What do I need to take client payments from home, the car, or the airport?

Can I bill repeat clients automatically instead of sending a new invoice each month?

Do invoice payments sync with QuickBooks or Xero?

Can payment processing software support recurring billing?

Can I accept payments online with these tools?

Does Clearwater Processing offer payment software integrations?

How can I understand the fees on my merchant statement?

Is customer support available for payment processing issues?

What types of businesses can use these payment tools?

Can I offer dual pricing or a zero-fee program on my invoices?

Have More Payment Questions?

Talk with Clearwater Processing about a tailored merchant services environment.

Find The Right Payment Processing Tools

Tell Clearwater Processing how your business accepts payments, and the team can discuss suitable software, merchant services, and support options.

Contact Us Today

For immediate assistance, feel free to give us a direct call at 973-715-5416.