What is a ‘Virtual Terminal’?

Our Virtual Terminal is a web-based, standalone Mail Order Telephone Order (MOTO) application software that allows you to process card payments over the phone, without the cardholder being present.

As its online, it can turn your laptop or tablet into a virtual card machine whenever you need to take a payment. It accepts all major credit and debit cards and as payments are made on our system, you don’t have to worry about storing sensitive cardholder data.

Taking card payments over the phone, means you can be ready to sell from anywhere, and your customers can call to pay for goods and services in a way that’s convenient and safe for them.


Take payments over the phone for £10 a month + VAT

Transactional fee:
10p + VAT per transaction

These costs are in addition to the standard fees for accepting card payments.

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Logos for types of payments used
Logos for types of payments used

Features and benefits of our Virtual Terminal


No need for a website, just a device with internet access


Send receipt notifications automatically


No requirement to store sensitive customer card data


Added protection against fraud

The Virtual Terminal is PCI DSS compliant and includes Address Verification Service (AVS) and Card Verification Value (CVV) to help protect against fraud.

You can also set up role-based access permissions and multiple user accounts, meaning you have complete control over who uses the terminal.

How to take a card payment over the phone

1: Take Call

A customer calls to order something and pay.

2: Log on

Log on to the Virtual Terminal via your computer, tablet, or mobile device.

3: Enter details

Enter the customer’s payment details, including billing and email address.

4: Complete

Complete the transaction. An electronic receipt is automatically sent.


Pay by link

Our Virtual Terminal is also where you can accept payments from customers through a secure payment link. The link can be sent by embedding it in an email, SMS, WhatsApp, or an invoice.

Customers will also have the option to pay with Apple Pay and Google Pay.

Pay by link

Take payments over the phone using a card reader

As well as taking card payments face to face, most of our card readers give you the option to key in a card number and expiry date, subject to our approval and a software update.

Card readers

Frequently asked questions

Do I have to bank with Lloyds to use the Cardnet® Virtual Terminal?

You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use the Cardnet Virtual Terminal. We assess each business individually to ensure we provide the right service, whether you’re a small enterprise or a larger organisation.

  • Any entity that stores, processes, or transmits payment card is required to be compliant with the Payment Card Industry Data Security Standard. Find out more about the PCI DSS at www.pcisecuritystandards.org.

    Our Virtual Terminal is a PCI-approved payment system. However, merchants still need to confirm that their organisation meets the requirements for PCI DSS compliance and provide an Attestation of Compliance on an annual basis or at any time they change how they accept card payments.

  • When taking payments over the phone, you can accept debit and credit card payments from Visa, Mastercard, Diners, Discover and American Express. Our Virtual Terminal supports payment from digital wallets such as Apple Pay, Google Pay and PayPal if you use the Virtual Terminal to create and send a payment link for customers to pay through.

  • Your Lloyds Bank Cardnet account will be set up within 7-10 days of your application, subject to our terms and conditions.

  • Your funds should land in your business bank account within three-to-five working days from the transaction date, if the settlement is made in sterling. Faster settlement options are available. Please note there is a charge for this service.

Ready to get started?

Ready to get started?

If your business would benefit from taking payments over the phone, please request a call back.

Enquire now

Other ways to take payments

Illustration of a card reader

Card readers

Take debit or credit card payments face to face at the till, at a table or away from your premises.

Card readers
Illustration of paying from a laptop


Take payments through your website and other digital channels, including pay by link.

Online payments

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk