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
<table width="1000" border="2"> <tbody> <tr> <td colspan="3" style="background-color: gray; color: white;">Converge Product Feature Set</td> </tr> <tr> <td width="346">✔ = Available in the User Interface Only</td> <td colspan="2" rowspan="4"> </td> </tr> <tr> <td>⨂= Available in Integration Only</td> </tr> <tr> <td>✅ = Available in both the User Interface and Integration</td> </tr> <tr> <td>X = Available in product set</td> </tr> <tr> <td> </td> <td style="background-color: gray; color: white">Converge</td> <td style="background-color: gray;color: white">Converge Mobile</td> </tr> <tr> <td colspan="3">Market Segments</td> </tr> <tr> <td>Retail (Card Present)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Service (Tip Processing)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Mail Order/Telephone Order (MO/TO)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Internet (e-Commerce)</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Payment Types</td> </tr> <tr> <td>Credit Card</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>PIN Debit</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Electronic Gift Card</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Electronic Benefit Transaction</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Electronic Check Service</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Cash Tender</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Mobile Processing</td> </tr> <tr> <td>Converge Mobile</td> <td><center>✔</center></td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Transaction Types</td> </tr> <tr> <td>Sale / Purchase</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Force</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Partial Authorizations</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Refund</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Pre-Auth</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Pre-Auth Completion</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Void</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>No Card Required - Pre-Auth Completion</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>No Card Required - Refund</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white;">Transaction Options</td> </tr> <tr> <td>Batch Processing</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Multi Entry</td> <td><center>✔</center></td> <td> </td> </tr> <tr> <td>Dynamic Currency Conversion</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Multi-Currency Processing</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Installment</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Recurring</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Purchasing Card Level II</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Cashier Tip (Pre-Auth)</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Waiter Tip (Post-Auth)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Auto Tax Calculation</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white;">Product Feature Options</td> </tr> <tr> <td>Automatic Settlement</td> <td><center>✔</center></td> <td><center>✔</center></td> </tr> <tr> <td>Account Updater</td> <td><center>✔</center></td> <td> </td> </tr> <tr> <td>Settlement</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Business Card BIN Specific Prompting</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Cardholder Transaction Email Confirmation</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Merchant Transaction Email Confirmation</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Dynamic DBA</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Export Scripts</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Payment Form Customization</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Reporting</td> <td><center>✔ <br> Rolling 12 Months</center></td> <td><center>✔</center></td> </tr> <tr> <td>Transaction Search</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Self-Inititiated Password Resets</td> <td><center>✔</center></td> <td><center>✔</center></td> </tr> <tr> <td>User Defined Fields</td> <td><center>✅<br>25 fields</center></td> <td> </td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white;">Security Features</td> </tr> <tr> <td><strong>3D Secure (VbV, SecureCode)</strong></td> <td> </td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Verified by Visa (VbV)</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">MasterCard SecureCode</td> <td>⨂</td> <td> </td> </tr> <tr> <td>Address Verification (AVS)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Card Verification Value (CVV2)</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>IP Limitation for Virtual Terminal Logging In</td> <td><center>✔</center></td> <td> </td> </tr> <tr> <td>End to End Encryption</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Tokenization</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Tokenization with Card Manager</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Enhanced Login with IP Recognition</td> <td><center>✔</center></td> <td> </td> </tr> <tr> <td><strong>Pre-Auth & Post-Auth Rule Options</strong></td> <td><center>10 Business Rules</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Transaction Amount</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Return Amount</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Bill to Postal Code</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Ship to Postal Code</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">AVS Response</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">CVV2 Response</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Duplicate Checking</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Settlement</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td><strong>Security Filters</strong></td> <td> </td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">IP Address Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Email Address Filter</td> <td><center><center>⨂</center></center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Email Domain Filter</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Merchant IP Address Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Country Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">IP Address Mismatch Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Card Number Filter</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td style="padding-left: 20px;">Transaction Timeout Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Transaction Velocity Filter</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td style="padding-left: 20px;">Mobile Payment Filter</td> <td><center>⨂</center></td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white;">Shopping Cart Integration</td> </tr> <tr> <td>Hosted Payment Page</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td>API</td> <td><center>⨂</center></td> <td> </td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Multi-Lingual Translations (Payment Page Only)</td> </tr> <tr> <td>English</td> <td><center>✅</center></td> <td><center>✔</center></td> </tr> <tr> <td>Spanish</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td>French</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Maximum Capacities</td> </tr> <tr> <td>Maximum Number of Users</td> <td> </td> <td> </td> </tr> <tr> <td>Maximum Number of MIDS</td> <td> </td> <td> </td> </tr> <tr> <td>Number of Transactions allowed in an Open Batch</td> <td> </td> <td> </td> </tr> <tr> <td>Number of Transactions allowed in Recurring Batch</td> <td> </td> <td> </td> </tr> <tr> <td>Number of Transactions allowed in an Error Batch</td> <td> </td> <td> </td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Usability & Support</td> </tr> <tr> <td>Hosted</td> <td><center>X</center></td> <td><center>X</center></td> </tr> <tr> <td>Browser-Based User Interface</td> <td><center>X</center></td> <td><center>X</center></td> </tr> <tr> <td>On-Line Help</td> <td><center>X</center></td> <td><center>X</center></td> </tr> <tr> <td>24/7 HelpDesk Support</td> <td><center>X</center></td> <td><center>X</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Supported Peripherals</td> </tr> <tr> <td>Magtek Mini Wedge USB</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Magtek Dynapro Mini Wedge with End to End Encryption</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Magtek Mini Wedge Serial</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Equinox L5200 PINpad with Signature Capture</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>VeriFone PINpad 1000SE</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>RDM 7111F PC- Dual Sided Check Imager with Franking</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Epson ReadyPrint T20 Thermal Printer</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Star BlueTooth Printers SM-S220i and SM-T300i</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td>Magtek aDynamo</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td>Magtek BulleT</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td>Magtek uDynamo</td> <td> </td> <td><center>✔</center></td> </tr> <tr> <td colspan="3" style="background-color: gray; color: white">Technical Requirements</td> </tr> <tr> <td>Internet Connection</td> <td><center>✅</center></td> <td> </td> </tr> <tr> <td>Browser</td> <td><center>✅</center></td> <td> </td> </tr> </tbody> </table>