How a Virtual Terminal Works: Step-by-Step with Paytia

Understanding the flow of a virtual terminal payment helps your team explain security to customers. Here is the Paytia journey complete.

Step 1: Agent initiates payment

The agent launches a secure session, either within a CRM integration or via the Paytia portal. Audit trails begin immediately.

Step 2: Customer enters details

Digits are captured through DTMF suppression or a Secure Code payment link. The PCI SSC recognises this as a valid method for keeping card data out of scope.

Step 3: Authorisation and settlement

Paytia routes the transaction to your acquiring bank or PSP (Stripe, Worldpay, etc.). Tokens are created for reuse, refunds, or recurring billing.

Step 4: Confirmation

The customer receives branded confirmation, and your agent can continue the conversation or schedule follow-up.

Want to optimise your virtual terminal workflows? Book a guided demo or discuss integration options.