Why UK Businesses Prefer
Paynetworx Virtual Terminal
3D Secure Email Payment Links (Lowest Risk)
All payment links are sent via email only, ensuring full security and 3D Secure authentication. This protects both your business and your customers.
No Additional Fees for Pay-by-Link
Payment links have no extra charges, and because they are 3D Secure authenticated, they carry lower fraud risk.
Safe Alternative to Over-the-Phone Payments
Phone payments (CNP) are less secure, higher risk, and typically have higher fees.
Email payment links avoid these risks entirely.
Flexible for Remote Orders
Perfect for online bookings, deposits, call-in orders and customers who are not physically present.
UK-Based Support Team in Essex
Real support from real people — fast, friendly and local.
Phone Payments vs Pay-by-Link
Important for Merchant Safety and Compliance
- Phone Payments
- Pay-by-Link
|
Merchant Safety & Compliance
|
Phone Payments
|
Pay-by-Link
|
| Card Presence | Cardholder Not Present | Cardholder Not Present |
| Security Level | High | Low |
| 3D Secure Authentication | No | Yes |
| Fraud Risk | High | Low |
| Chargeback Risk | High | Low |
| Liability | Merchant holds full liability | Liability significantly reduced |
| PCI Compliance Risk | High – card details spoken aloud | None – customer enters details securely |
| Customer Experience | Manual, error-prone | Simple, self-service |
| Processing Cost | Higher | No additional cost |
| Payment Completion | Staff-dependent | Customer completes payment independently |
| Recommended Usage | Only if unavoidable | Preferred remote payment method |
This is the recommended method for nearly all remote transactions.
Industry
Specific Use Cases
Hospitality
- Hotel bookings and reservations
- Event deposits and pre-payments
- Catering bookings
- Secure remote food orders
Retail
- Click & collect payments
- Home delivery payments
- High-value remote product orders
- Phone-based orders with delivery
Food & Takeaway
- Pre-orders and advance payments
- Deposits for large or custom orders
- Phone orders with remote payment
Events & Services
- Event businesses taking deposits or full pre-payments
- Builders or trades completing a job and collecting payment remotely
- Taxi businesses confirming pre-bookings
Office / Remote Payments
- Taking payments while the physical card machine is in use elsewhere
- Backup payment method for exceptional cases only
Important Security Note
Payment links must NOT be sent via SMS, WhatsApp or social media.
Email only.
This is required to maintain full 3D Secure protection.
Get Bespoke Pricing
Virtual Teminals
Supported Features
Details
-
Card payments via 3D Secure link (email)
-
Remote card entry by merchant (CNP — higher risk/cost)
-
Secure online checkout when connected to PayNetWorx Ecommerce gateway
-
Apple Pay
-
Google Pay
Supported / Not Supported
Unsupported features require an ecommerce payment gateway, not a virtual terminal.
Secure & Compliant Solutions
Our Virtual Terminal is built to meet strict PCI DSS requirements for secure remote payments. All data is encrypted in transit and at rest, reducing exposure to fraud, chargebacks, and compliance risk.
This makes PayNetWorx a safe, compliant choice for accepting remote payments.
3D Secure authentication
Adds an extra verification step to confirm the cardholder before payment is approved.
Email-only payment links
Payment links are sent by email so customers enter their card details themselves.
Tokenisation
Payment lonks are sent by email so customers enter their card details themselves.
Encrypted data processing
All payment data is encrypted during transmission and processing.
Safe handling of card details
Merchants never see, store, or handle full card information.
See What UK Businesses
Are Saying
I would highly recommend Paynetworx Virtual-Terminal and Pay-by-link system. What makes Paynetworx different from other companies we’ve used in the past, is the level of response we receive when faced with any problems. Well done Anthony and team.
We tailor your package based on:
Trusted by merchants locally and internationally.
Frequently Asked
Questions
Do you offer Google Pay through the Virtual Terminal?
Google pay is accepted but Apple Pay is not accepted. Apple Pay is accepted through our physical card machines or e-commerce payment gateway.
Are phone payments safe?
Phone payments are less secure (CNP) and carry higher fraud risk and cost.
Email payment links are recommended whenever possible.
Why must payment links be sent only by email?
Email is required for 3D Secure authentication, which protects you and your customers. SMS/WhatsApp links are not secure.
What if the customer has no email?
They must come into the shop to pay securely.
Can convenience stores use VT?
Yes — we recommend this as a backup if the physical terminal fails.
Is there an extra fee for using payment links?
No — payment links have no additional cost and are more secure.
