Virtual Terminal

Now you can process restaurant or retail POS transactions using our Virtual Point Of Sale (VPOS) through our Internet (IP) gateway and enjoy 2-4 second authorization and capture times while still qualifying for card swiped rates. If waiting 30-45 seconds for your dial terminal is affecting your checkout process, then our VPOS is the perfect solution.

U.S. Financial Consulting (USFC) VPOS allows you to process real time credit card transactions using your existing computer with an Internet connection.

Virtual Terminal


  • Low Processing Fees - Card swiped transaction rates are lower than non-swiped rates.
  • No Software Fees - Everything you need is included in your U.S. Financial Consulting (USFC) gateway service. No additional software needs to be purchased or installed. Also, there are no software licensing or upgrade fees for multiple installations --- use our VPOS it on as many computers at your location as you need.

  • Consolidated Reporting - All of your transactions (credit card, debit card, ACH, etc.) are available for viewing online 24x7 using the Online Merchant Center system.

  • Check Conversion - Accept checks by converting the transactions to electronic payments.

  • Debit card ready - Add on PIN-based debit card transaction processing to give your customers additional payment options and further reduce your processing fees.

  • Secure - All transactions are secured using SSL encryption.

What do I need to start processing card present transactions?

  • A computer with an Internet browser (Internet Explorer or Netscape)

  • An Internet connection, preferably full-time (for example, Cable or DSL)

  • A merchant account that is configured for card present (retail) transactions

  • A credit card swipe reader

Note: Card Present processing is currently only available for merchants processing through the Vital, FDMS Nashville, or FDMS North authorizing network platforms. Additional fees may apply.

To qualify for card present transaction rates, you only need to swipe the customers credit card at the time of sale. Swipe card readers are simple devices that attach to your computer via USB, serial port, or keyboard wedge (attaches between your keyboard and your computer).