Virtual Terminal

The Viva Wallet Virtual Terminal (also referred to as ‘web POS’) is an online application that enables you to receive payments via a debit, credit or prepaid card. It provides your business with the functionality of a physical card acceptance terminal.

Features

• Sales executed through the virtual terminal are processed, cleared and credited to your accounts on the next business day.
• You can access your trading history at any time by selecting the ‘Sales’ category.
• Under the same category, you can also access additional features including cancellations, reversals and charges.

Getting started

To take a payment using Virtual Terminal:

1. Log in to the Viva Wallet banking app and select the account you wish to use.

2. Click on Sales then Virtual Terminal in the left nav.
   A notification is displayed requesting that you:

   • Match the name on your customer’s ID against that embossed on your customer’s payment card.
   • Obtain customer’s signature on the transaction’s document (receipt, invoice or pro-forma) and store for 12 months minimum.
   • Cross-check customer’s signature on the transaction’s document against the ID specimen.
   • Take note of your customer’s name, address, telephone and e-mail.

3. Click on the Yes button if you agree to these necessary actions.
   The Virtual Terminal will be displayed:
   
   

4. Complete the mandatory fields:

   • Your reference – to help you identify the payment.
   • Amount
   • A short description for this payment - note for customer.
   • Customer e-mail
   • Customer phone number
   • Card number
   • Name on card
   • Exp. Month
   • Exp. Year
   • CVV – for Mastercard, Visa and Diners, the three digits on the back of the card. For Amex, the four digits on the front of the card.
   • Payment Source – Select ‘default’ unless you have set up multiple sources representing the different parts of your business, in which case, choose the most suitable category instead.
   • Tags – to group transactions together for easy retrieval later (optional).
   • Receipt language

5. Click on the Charge card button.
   The payment process is now complete.