Is there any such thing as access to the credit/debit/prepaid cards (issued worldwide) online charging Virtual Terminal without having to be approved for merchant account? So without owning it. I recently started my 3D HOME modelling services, targeting clients and potential clients who want to either buy new apartment/house or renovate existing one. Due to good online marketing, I am getting new clients every day but the problem is that I don't have company (it is my own business - only me and no ''company'' at all) documents. Every merchant account provider, being able to offer me virtual terminal, want from me those documents. Since I am not interested about card processing gateway, the Virtual Terminal is a must for me. How and where could I get access to it?

  • The most basic business model is you as a sole proprietorship. Barbers and stylists often rent space in a shop, and have the services of providers like Paypal, Square or Intuit to bill their clients; the SHOP doesn't have to get a merchant account. So barber Joe Jones swipes your card (or enters it into the virtual terminal on his phone) and your c/c statement shows a $15 charge from Joe Jones. Seems you're overcomplicating this. You don't need a business entity (corporation, LLC) to get a virtual terminal.
    – Xavier J
    Commented Apr 21, 2017 at 20:40

1 Answer 1


You would need to setup a company (even if it's just a sole proprietorship, in the US) to be able to apply for a true merchant account. And thus have a terminal; either real or virtual in your home or business.

However, many services such as paypal allow you to accept credit cards (both online and with a card reader) and when the customer is billed it appears as paypal + your account name. So you essentially have the benefits of a merchant account, without having to set one up.

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