Virtual Terminal & Mobile Payments

We offer solutions for any business challenge.


Virtual Credit Card Terminal

EMS Virtual Terminal is a simple and robust processing solution which can be accessed on any computer or mobile device. Keeping up with consumer demands and evolving your business to meet them can be challenging. Accepting payments wherever your customers are. Now you can process Virtual Terminal payments from your customers quickly and securely, whether in-person, online or on the go. And we can help you manage it all in one place, easily and securely online – without a major investment of money or effort.  Virtual Merchant also known as Converge is a complete, hosted payment solution that allows you to process transactions in all payment environments, including in-store, back office mail/telephone order (MO/TO), mobile and e-commerce. EMS Virtual Credit Card Terminal accepts a full range of payment types – from credit and debit cards to electronic checks and gift cards. Easily handle recurring and installment payments. Reduce your risk and compliance headaches by protecting you and your customers’ payment data.


  • Processes a full array of payment types in online, in-person and mobile environments
  • Supports businesses of any size whether you need to process payments in one environment or many
  • Accommodates up to 5,000 users and merchant numbers to easily scale up as your business needs grow and evolve


  • Eliminates need for software upgrades, which are provided as part of the hosted service
  • Supports a variety of peripherals, including magnetic stripe readers, PIN pads, and receipt printers
  • Makes it easier for your international customers to do business with you by utilizing our currency conversion solutions


  • Minimizes stored data liability and reduces your compliance burden
  • Helps protect your customers’ data throughout the payment process by utilizing the latest encryption technologies
  • Allows you to securely store customer data and process payments using secure tokenization
  • Allows you to limit access by IP address to help keep out unauthorized users
  • Can be easily configured to ensure each user has the appropriate access level


  • Processes transactions quickly when using a high-speed Internet connection
  • Can be quickly and easily accessed from any web-browser using a secure login; no hardware specifications, network infrastructure, or software installation are required
  • Enables you to process authorizations at the time of sale, but submit for settlement later without re-keying the transaction data – ideal for MO/TO or delayed delivery environments
Converge Product Feature Set
✔ = Available in the User Interface Only  
⨂= Available in Integration Only
✅ = Available in both the User Interface and Integration
X = Available in product set
  Converge Converge Mobile
Market Segments
Retail (Card Present)
Service (Tip Processing)
Mail Order/Telephone Order (MO/TO)
Internet (e-Commerce)
Payment Types
Credit Card
PIN Debit
Electronic Gift Card
Electronic Benefit Transaction
Electronic Check Service
Cash Tender
Mobile Processing
Converge Mobile
Transaction Types
Sale / Purchase
Partial Authorizations
Pre-Auth Completion
No Card Required - Pre-Auth Completion
No Card Required - Refund
Transaction Options
Batch Processing
Multi Entry
Dynamic Currency Conversion
Multi-Currency Processing
Purchasing Card Level II
Cashier Tip (Pre-Auth)
Waiter Tip (Post-Auth)
Auto Tax Calculation  
Product Feature Options
Automatic Settlement
Account Updater
Business Card BIN Specific Prompting
Cardholder Transaction Email Confirmation
Merchant Transaction Email Confirmation
Dynamic DBA
Export Scripts
Payment Form Customization

Rolling 12 Months
Transaction Search
Self-Inititiated Password Resets
User Defined Fields

25 fields
Security Features
3D Secure (VbV, SecureCode)    
Verified by Visa (VbV)
MasterCard SecureCode  
Address Verification (AVS)
Card Verification Value (CVV2)
IP Limitation for Virtual Terminal Logging In
End to End Encryption
Tokenization with Card Manager
Enhanced Login with IP Recognition
Pre-Auth & Post-Auth Rule Options
10 Business Rules
Transaction Amount
Return Amount
Bill to Postal Code
Ship to Postal Code
AVS Response
CVV2 Response
Duplicate Checking
Security Filters    
IP Address Filter
Email Address Filter
Email Domain Filter
Merchant IP Address Filter
Country Filter
IP Address Mismatch Filter
Card Number Filter
Transaction Timeout Filter
Transaction Velocity Filter
Mobile Payment Filter
Shopping Cart Integration
Hosted Payment Page
Multi-Lingual Translations (Payment Page Only)
Maximum Capacities
Maximum Number of Users    
Maximum Number of MIDS    
Number of Transactions allowed in an Open Batch    
Number of Transactions allowed in Recurring Batch    
Number of Transactions allowed in an Error Batch    
Usability & Support
Browser-Based User Interface
On-Line Help
24/7 HelpDesk Support
Supported Peripherals
Magtek Mini Wedge USB
Magtek Dynapro Mini Wedge with End to End Encryption
Magtek Mini Wedge Serial
Equinox L5200 PINpad with Signature Capture
VeriFone PINpad 1000SE
RDM 7111F PC- Dual Sided Check Imager with Franking
Epson ReadyPrint T20 Thermal Printer
Star BlueTooth Printers SM-S220i and SM-T300i  
Magtek aDynamo  
Magtek BulleT  
Magtek uDynamo  
Technical Requirements
Internet Connection