Accept Payments Online Through Your Website or Remotely
More purchases move online every year. Whether you operate a full e-commerce store, take orders through your restaurant website, bill clients remotely, or run a subscription-based business, you need reliable, secure online payment processing tied to a properly configured merchant account.
We provide the gateway technology, account configuration, and integration support to make online payment acceptance work for your specific operation. Our online solutions cover virtual terminals for remote billing, payment gateway integration for e-commerce platforms, and all-in-one setups that combine both capabilities in a single account.
Who Needs Online Payment Processing
- E-commerce retailers selling physical or digital goods
- Restaurants and food businesses offering online ordering
- Professional service firms billing clients by email or phone
- Membership organizations and subscription-based businesses
- Nonprofits accepting online donations
- Healthcare providers collecting patient payments online
- B2B companies invoicing other businesses
- Any business that needs to accept payment without the customer physically present
Virtual Terminal
A virtual terminal lets you accept card payments from any computer or mobile device with an internet connection, without any physical card reader. You or your staff key in the customer’s card details through a secure web interface and process the transaction directly.
This is the right tool for businesses that take payment by phone, collect balances after a service has been delivered, or operate a mail order model where card details arrive by post or email.
What the virtual terminal supports:
- Card-not-present transactions from any internet-connected device
- MOTO billing for phone and mail order businesses
- Recurring and subscription billing from a stored card on file
- Re-charge capabilities for existing customer accounts
- In-person card entry when a card reader is connected to the same device
- User management so multiple staff members can process under the same account
- Fraud settings and velocity controls configured to your risk tolerance
- Consolidated reporting alongside any other transaction channels on your account
Payment Gateway for E-Commerce and Online Ordering
A payment gateway connects your website’s checkout to your merchant account so customers can complete a purchase online and the funds settle into your account. We provide gateway access that integrates with most major e-commerce platforms and supports both hosted and direct API connection options.
Platform and shopping cart compatibility:
- WooCommerce
- Shopify
- Magento
- OpenCart
- Volusion
- Custom-built platforms via direct API
- Online food ordering platforms for restaurants
Note: Please confirm current integration availability with your account manager, as platform support is updated periodically.
Gateway features:
- Hosted checkout pages for businesses that prefer not to handle card data directly on their server
- Direct API integration for developers building a custom checkout experience
- Mobile-optimized checkout for customers paying from a phone or tablet
- Multi-location reporting for businesses with more than one online channel
- Level 2 and Level 3 processing support for B2B transactions
- Fraud screening tools including AVS, CVV verification, and velocity controls
- Secure card tokenization so repeat customers do not need to re-enter their details
- Multiple payment method support including cards, ACH, and alternative payment options
All-In-One: Virtual Terminal and Payment Gateway Combined
For merchants who take payments both in person and online, or who need to bill some clients by phone and others through a website checkout, our all-in-one solution combines virtual terminal and payment gateway capabilities under a single account.
You are not managing two separate accounts or two sets of reports. Everything flows through one merchant account with one set of fees, one batch, and one reporting dashboard. In-person swipe, phone billing, and online checkout are all handled from the same account.
You are not managing two separate accounts or two sets of reports. Everything flows through one merchant account with one set of fees, one batch, and one reporting dashboard. In-person swipe, phone billing, and online checkout are all handled from the same account.
All-in-one capabilities include:
- In-person card-present transactions via connected terminal or card reader
- Remote payment via virtual terminal for phone and email billing
- Online checkout via integrated payment gateway
- Recurring and subscription billing
- Check by phone and internet check acceptance
- Multi-currency support for merchants with international customers
- Full fraud prevention suite including AVS, CVV, and payer authentication
- Consolidated reporting across all transaction channels
Note: Please confirm current integration availability with your account manager, as platform support is updated periodically.
Gateway features:
- Hosted checkout pages for businesses that prefer not to handle card data directly on their server
- Direct API integration for developers building a custom checkout experience
- Mobile-optimized checkout for customers paying from a phone or tablet
- Multi-location reporting for businesses with more than one online channel
- Level 2 and Level 3 processing support for B2B transactions
- Fraud screening tools including AVS, CVV verification, and velocity controls
- Secure card tokenization so repeat customers do not need to re-enter their details
- Multiple payment method support including cards, ACH, and alternative payment options
Security and PCI Compliance
All of our online payment solutions use SSL encryption, card tokenization, and data security practices that meet PCI DSS requirements. Tokenization means actual card numbers are never stored on your server or in your system. Instead, a secure token represents the card for future billing, which reduces the scope and cost of your annual PCI compliance assessment.
We also support payer authentication through 3D Secure for card-not-present transactions, which adds a verification step for the cardholder and shifts fraud liability away from your business in cases where authentication is completed.
Cost Savings on Online Processing
Merchants who process both retail and online transactions through the same TransNet account can receive consolidated statements and may be eligible for additional savings on online processing fees compared to carrying a separate online processing account. We review the numbers with you during setup so you know exactly what each channel will cost.
Compatibility and Integration Details
If you have existing e-commerce infrastructure or a development team working on your platform, we are happy to discuss compatibility before you commit to anything. We can confirm whether our gateway supports your platform, what the integration process looks like, and what technical resources are involved on your side.
For merchants without a development team, we can recommend options that do not require custom coding and can be set up with minimal technical effort.
Ready to Start Taking Payments Online?
Contact us and tell us how you need to accept online payments. We will identify the right solution for your business type, walk you through the setup process, and make sure your online and in-person payment channels work together correctly.