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A virtual terminal is a payment processing solution that allows merchants to accept credit and debit card payments through their computer or mobile device. It provides a secure and convenient way for businesses to process transactions without the need for a physical terminal. With a virtual terminal, merchants can easily manage their transactions, issue refunds, and track sales. Additionally, virtual terminals are often used for online and phone orders, making it an essential tool for businesses that operate in the digital space. Overall, a virtual terminal offers a reliable and flexible payment processing solution that can help businesses streamline their operations and