Virtual Terminal

Your secure, simple way to qualify for Level III

EMV 2.0 is our fast and easy card-present solution using a keyboard emulation reader. You can simply plug in and go. Accepting chip cards is simple: Merchants just need a computer with an Internet connection. Yes, it’s that easy.

Merchants can use ONE solution to accept both – card-not-present and face-to-face transactions with EMV security.

Reduce merchant security scope by using the PayTrace Virtual Terminal. We store customer data for merchants, reducing their liability on each transaction. Our tokenized payment acceptance is PCI-compliant, protecting cardholder data every step of the way.

Our account executive team is ready to discuss equipment, pricing, and demos. Connect with sales.


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Interchange Optimization

Reduced processing fees increases cash flow for B2B merchants

Transactions that qualify for Level III utilize interchange optimization, reducing processing fees for merchants accepting commercial credit cards. EMV 2.0 is the only payment solution available for Level III processing. We help merchants qualify for the best rates possible per transaction. This provides merchants with extra resources to build their business.


Visit interchange

Our EMV solution protects your data.


Plug in a few lines of code to access our secure-encrypted keyboard emulated EMV device.

EMV on Mobile

Delivering Level III processing from anywhere

We serve merchants with teams working from their iPhones or Android phones out in the field and across a variety of industries.

Our EMV 2.0 delivers security to a tremendous number of market verticals.

You can find our mobile EMV solution providing payment security for businesses ranging from: sales agents, construction workers, HVAC repair, plumbing, garage door companies, landscaping crews, bookkeepers in the field, automotive parts & repair, hardware stores, and more.

It doesn’t matter where your business takes you, we keep our promise by making sure your mobile transactions are secure. Connect with sales.


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Real merchants. Real happy.

“We love the phone app! Second, we receive a report every night of transactions. Third, we receive the money the next day! Fourth, the rates you charge are fair. Fifth, the customer support is awesome.”

—OLGA, Electronic Parts & Equipment

“We love the phone app! Second, we receive a report every night of transactions. Third, we receive the money the next day! Fourth, the rates you charge are fair. Fifth, the customer support is awesome.”

—OLGA, Electronic Parts & Equipment

“We love the phone app! Second, we receive a report every night of transactions. Third, we receive the money the next day! Fourth, the rates you charge are fair. Fifth, the customer support is awesome.”

—OLGA, Electronic Parts & Equipment

PayTrace API

Plug & play EMV

Use PayTrace’s semi-integrated EMV solution to add EMV functionality to your software.

PayTrace’s EMV 2.0 allows the host application to acquire card data from keyboard input to seamlessly acquire the secure-encrypted card information from the EMV device.

Add a layer of security to your card-present chip transactions and enable merchants to qualify for Level III interchange rates using PayTrace EMV 2.0.


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Processing Networks

Our certified processing networks


5-Star Support

Our purpose? To make you happy 🙂

Use PayTrace’s semi-integrated EMV solution to add EMV functionality to your software.

PayTrace’s EMV 2.0 allows the host application to acquire card data from keyboard input to seamlessly acquire the secure-encrypted card information from the EMV device.

Add a layer of security to your card-present chip transactions and enable merchants to qualify for Level III interchange rates using PayTrace EMV 2.0.

Upgrade to PayTrace EMV 2.0

Qualify Level III transactions with our secure, simple EMV solution.


Connect with Sales