Virtual Terminal & Payment Gateway — MBI Merchant Solutions

Payment Gateway

Your entire payment operation — from one secure login.

A payment gateway is the technology that securely transmits card data from your customer to the card network and back. MBI's gateway combines a full virtual terminal, hosted payment pages, invoicing, and recurring billing into one simple dashboard.

Log in from any computer, tablet, or smartphone
Manually key in card numbers for phone orders
Send payment links customers click to pay instantly
Store cards securely for repeat customers
View all transactions and run reports in real time
No software to install — works in any browser

Talk to a rep →

Today's Activity

Live

Transactions

Volume

$3,847

Jane Smith

Phone order · Visa ••4242

$125.00

Approved

Robert Chen

Invoice link · MC ••8891

$240.00

Approved

Acme Corp

Recurring · Amex ••3309

$499.00

Approved

Use Cases

Built for how you actually do business.

Whether you take orders by phone, send invoices, run a website, or bill customers monthly — the gateway handles all of it.

$142.00 ✓

Phone Orders

Key-in · MOTO

SMS

Invoicing

Branded · secure link

PAY NOW

Online Payments

Hosted checkout

Monthly · $99Active

Recurring Billing

Set once · bill forever

Phone / MOTO Orders

Take card payments over the phone — no terminal required.

Perfect for service businesses, contractors, and any merchant who closes sales by phone. Simply pull up the virtual terminal in your browser, key in the customer's card number, and charge — from any device.

No physical terminal needed — works from any computer
Card data encrypted immediately on entry
Instant approval and digital receipt emailed to customer
Full transaction log with search and export
Void or refund any transaction in seconds

Get started →

$142.00

Charged ✓

How it works

Customer calls. They provide card number, expiry, CVV, and billing zip.

You key it in. Open the virtual terminal in your browser and enter the details.

Instant approval. The card is charged in seconds. Customer gets an emailed receipt.

Funds settle. Money deposits to your bank account in 1–2 business days.

Invoicing

Send an invoice. Get paid. That's it.

Create and send branded invoices by text message or email in seconds. Customers click a secure link and pay with any card — no login, no app, no friction. You get notified the moment they pay.

Send via text (SMS) or email in seconds
Custom invoice with your business name and logo
Customer pays through a secure hosted page
Automatic payment notification sent to you
Set automatic reminders for unpaid invoices
Export invoice history for bookkeeping

Get started →

📄

Sample invoice flow

Create invoice. Enter amount, description, and customer contact info.

Send it. Customer receives a text or email with a secure payment link.

They click and pay. No login required — just card details on a clean, secure page.

You're notified instantly. Invoice marked paid. Funds settle in 1–2 days.

Online / Website Payments

Add a secure checkout to your website in minutes.

MBI's hosted payment page or simple API integration lets you accept card payments directly on your website — without storing sensitive card data on your server. Works with most website platforms.

Hosted payment page — no coding required
API integration for custom checkout experiences
Supports all major card brands
Mobile-optimized checkout flows
3D Secure / additional authentication support
Compatible with most website builders

Get started →

🌐

Two setup options

→

Hosted page (no code). MBI provides a secure URL you link to from your site. Customers pay there.

→

API integration. Your developer embeds the payment form directly into your site using our REST API.

✓

Either way: card data never touches your server. All PCI compliance is handled by MBI.

Recurring Billing

Set it once. Get paid automatically, every time.

For subscriptions, service retainers, membership fees, or any regular billing arrangement — store a customer's card securely and charge it on your schedule. No manual processing required.

Set daily, weekly, monthly, or custom billing cycles
Cards stored using PCI-compliant tokenization
Automatic retry on failed payments
Customer notified before each charge
Easy to update, pause, or cancel any subscription
Full audit trail of every recurring charge

Get started →

Monthly · $99 Active

Annual · $499 Active

Set once · bill forever

How recurring works

Enroll customer. Collect card details once — stored as a secure token.

Set schedule. Choose billing frequency, amount, and start date.

Automatic charging. Card is charged on schedule. Customer gets a receipt each time.

You stay informed. Dashboard shows upcoming charges, successes, and any failures.

Full Feature Set

Everything you'd expect —
and a few things you won't.

The MBI gateway is a complete payment operations platform, not just a transaction processor.

Virtual Terminal

Manually key in card details from any browser. No software install, no hardware needed. Works on Mac, PC, tablet, and phone.

Text & Email Invoicing

Build and send branded invoices in seconds. Customers pay through a secure link — no login required on their end.

Payment Links

Generate a secure, one-time or reusable payment link and share it anywhere — text, email, social media, or your website.

ACH / eCheck

Accept direct bank transfers alongside card payments. Lower processing costs and great for large B2B transactions.

Recurring Billing

Store cards securely and charge on any schedule. Perfect for subscriptions, retainers, memberships, and service plans.

Customer Vault

Save customer payment profiles securely for future transactions. Never ask a repeat customer to re-enter their card details.

Real-Time Reporting

Live dashboard showing every transaction, batch total, and settlement. Export to CSV or PDF for bookkeeping and tax prep.

Voids & Refunds

Void unsettled transactions or issue full or partial refunds directly from the dashboard in seconds — no phone calls needed.

QR Code Payments

Generate a QR code linked to your payment page. Display it at your counter, on an invoice, or anywhere customers can scan.

Security

Your customers' card data
is safe with us.

Every transaction through the MBI gateway is protected by multiple layers of enterprise-grade security — so you never have to worry about data breaches or compliance.

TLS Encryption

All data transmitted through the gateway uses 256-bit TLS encryption — the same standard used by banks — from the moment a customer enters their card number.

Tokenization

Card numbers are never stored in plain text. Every saved card is converted to a secure token — a meaningless string that can only be used by MBI's system.

PCI DSS Level 1

MBI's gateway is certified at the highest level of PCI DSS compliance. You benefit from our certification — reducing your own compliance burden dramatically.

Fraud Detection

Real-time fraud screening on every transaction. AVS (address verification), CVV matching, and velocity checks flag suspicious activity automatically.

3D Secure

Optional additional authentication step for online transactions that shifts chargeback liability to the card issuer — protecting your revenue on disputed charges.

Full Audit Trail

Every action in your account — charges, refunds, logins, settings changes — is logged with timestamp and user, giving you a complete record for any dispute.

Integrations

Works with the tools you already use.

The MBI gateway connects to your existing workflow — no ripping and replacing anything.

E-Commerce Carts

WooCommerce, Shopify, BigCommerce, and other major platforms via API or plugin

QuickBooks

Export transaction records directly compatible with QuickBooks and common accounting software

POS

Gateway integrates with your hardware for a unified in-person and online payment experience

Mobile Devices

Full virtual terminal functionality from any iOS or Android device — no app download required

REST API

Full API access for custom integrations — detailed documentation and developer support included

Email Platforms

Generate payment links that work inside Mailchimp, Constant Contact, and other email tools

Website Builders

Hosted payment pages work with Wix, Squarespace, WordPress, and any site that allows embedded links

CRM Systems

Connect payment data to your CRM via webhooks for automatic customer record updates on every transaction

FAQ

Common questions.

No — that's the whole point. The virtual terminal runs entirely in a web browser on any internet-connected computer, tablet, or smartphone. There's nothing to install and no physical card reader required. You can be accepting payments within minutes of getting your account set up.

Most transactions settle in 1–2 business days. Batches are typically processed at the end of each business day, and funds arrive in your designated bank account within the next 1–2 days. New merchants may have a slightly longer hold period during the first few weeks, which is standard across the industry and typically lifts quickly.

Yes — MBI's gateway is certified at PCI DSS Level 1, which is the highest level of compliance. Because card data flows through our certified infrastructure, your own PCI scope is dramatically reduced. You'll still need to complete an annual Self-Assessment Questionnaire (SAQ), but MBI's team walks you through the process and can provide guidance at every step.

Absolutely — in fact, most MBI merchants use both. Your Clover handles in-person transactions at the counter, and the virtual terminal handles phone orders, invoices, and online payments. Both feed into the same reporting dashboard so you have a complete view of all your sales in one place.

Yes. You can create separate logins for each employee or location, with customizable permission levels. For example, a staff member might be able to process charges and issue refunds but not see full transaction history or change account settings. Every action is logged by user for accountability.

The MBI gateway accepts all major card brands — Visa, Mastercard, American Express, and Discover — as well as debit cards. ACH (electronic check) acceptance is also available for bank-to-bank transfers at lower processing costs. Apple Pay and Google Pay are supported for online/hosted page transactions where customers are on a compatible device.

Accept payments
from any device,
anywhere.

Your entire payment operation — from one secure login.

Built for how you actually do business.

Take card payments over the phone — no terminal required.

Send an invoice. Get paid. That's it.

Add a secure checkout to your website in minutes.

Set it once. Get paid automatically, every time.

Everything you'd expect —
and a few things you won't.

A gateway built for real merchant volume.

Your customers' card data
is safe with us.

Works with the tools you already use.

Common questions.

Ready to accept payments
from anywhere?

Accept paymentsfrom any device,anywhere.

Your entire payment operation — from one secure login.

Built for how you actually do business.

Take card payments over the phone — no terminal required.

Send an invoice. Get paid. That's it.

Add a secure checkout to your website in minutes.

Set it once. Get paid automatically, every time.

Everything you'd expect —and a few things you won't.

A gateway built for real merchant volume.

Your customers' card datais safe with us.

Works with the tools you already use.

Common questions.

Ready to accept paymentsfrom anywhere?

Accept payments
from any device,
anywhere.

Everything you'd expect —
and a few things you won't.

Your customers' card data
is safe with us.

Ready to accept payments
from anywhere?