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Learn without leaving your office what a dataphone is and how this most used payment system in the world works.


Learn more about the best online methods used on the Internet.


Simple requirements to identify our clients (KYC). It has never been so easy to contract a Virtual POS terminal services without leaving your office.

The most used payment methods 

E-Commerce and online credit and debit cards processing have changed the way we do business making it cheaper, faster and more reliable. Nowadays, we don’t have to wait days and weeks in order to charge our clients or to pay providers. With one click we can transfer any amount we need or introduce our credit card details and within seconds receive the confirmation of successful payment. 

Currently, the most commonly used online payment methods are: 

  • Cash: “Cash is king” was one of the first concepts that we were taught in our classes of economics. It is the oldest methods of payment and the one that is often related to money laundering and illegal activities. Therefore, the authorities of many states are not implementing the policies towards reduction of cash payments and its circulation in one country´s economy. However, for many startups accepting cash is a necessity since they cannot afford merchant fees.
  • Wire transfer: This payment method allows transferring large amounts of money under high level of security but it is not very convenient for small and urgent payments. Even though, in last 20 years the period of reception of money was reduced: for Europe-IBAN 1-2 days and for the rest of the world-SWIFT 2-5 days, it still takes from 2 to 3 days, an average, for other part to receive the money.
  • Money transfer by Western Union: This payment method is one of the oldest ones and it is widely used in Latin America where sometimes the option of opening a current bank account is denied to the population. It is very fast and takes only 5-10 minutes to transfer and receive the funds but it is one of the payment systems with the largest number of Internet frauds.
  • Check: Checks is an outmoded and unsafe payment method. There are a lot of businesses that don’t have enough knowledge or facilities to verify the validity and authenticity of checks and for this reason decide not to accept it. Moreover, it is a payment method where the receptor of the money has to wait from 20 days to 1 month for the transaction to be executed.
  • Bitcoin virtual currency: It is the most modern online payment method on the Internet. It is instant but still very risky since it is not regulated by any central bank yet. The high risks of fraud and its unpredictability make its implantation into our every day life almost impossible.
  • Virtual POS terminal or payment gateway: Payment processing and E-commerce are the present and the future of online payment methods and world economy. This online payment method allows paying for goods and services instantaneously and without any risk. The cards used for purchases include insurances offered by issuer banks and payment gateways, in its turn, involve latest technologies incorporated in secure 3D fraud prevention (Visa, MasterCard) and Safe Key (Amex).

What is a Payment gateway? 

Payment gateway or Virtual POS terminal is a technology whose main functions are to accept and process online payments being a link between a website and acquiring partner. Theoretically it is a software app that assures secure exchange of buyer´s credit card information through data encryption. The examples of this information can be credit card number, CVV, secret code for online purchases.   

The term “Virtual POS” means Virtual Point Of Sale, point of sale that allows online stores accepting payments on websites and provides verification of client´s card information. 

Payment gateway and Virtual POS terminals accept and process the payments of all major card brands such as Visa, MasterCard, Amex, Dinners Club, JCB, Discover, Maestro and Union Pay.

In order to use payment gateway or Virtual POS terminal it is essential to have a merchant account connected to it. 

Virtual POS terminal

Types of payment gateways 

The most requested Payment gateways for online sales are:

  • High and low risk POS CMS for online stores (Woocommerce, Prestashop, Magento, Zen Cart, VirtueMart, WHMCS, OctoberCMS). 
  • MOTO (Mail Order/Telephone Order) processing to accept remotely card-not-present payments.   
  • High-risk, non-contact virtual POS terminal for recurring payments or subscriptions.
  • "Buy now" buttons or payment links.
  • POS terminal for webcam sales.
  • Low risk payment gateway for I.V.R. (interactive voice response system). 
  • High risk POS terminal for proxy reservations.

Security of payment gateways 

Currently, payment gateway is the most secure way to accept and process online payments. In last 5 years anti-fraud protocols incorporated and upgraded constantly by major card brands have lowered considerably the rate of fraudulent operations that take place on Internet. Now all the payment gateways that follow 3D Secure protocol request a cardholder to identify himself by introducing a unique code in order to process the payment. This code can be either sent to the cell phone of the buyer at the moment of purchase or has been given to the cardholder when he was picking up his credit card from the bank.  

The merchants that are connected to payment gateways also have its numerous rules to combat online fraud. The main merchant anti-fraud rules are: 

  • The operation is declined if the debit card doesn’t have 3D Secure mode activated. 
  • Detected transactions whose origins are historically fraudulent countries, such as Nigeria, Senegal, Ivory Coast, Guinea, Cameroon, Turkey, Ukraine, Romania, Poland, Bulgaria, Brazil get automatically blocked and declined.
  • Simultaneous transactions from the same IP are rejected.
  • Uses of newly created e-mails and domains raise red flag.
  • If the buyer uses a fake billing address his payment wont be processed. 
  • When transferring suspiciously high amounts the bank might request information about the origins of funds. 
  • Invalid phone numbers get detected and verified. 

Payment gateway: Advantages for online stores

Apply for a Virtual POS Terminal to accept online payments over the Internet and enjoy the following advantages: 

  • The virtual POS terminal or Payment gateway is the fastest online payment method. It takes from 3 days to 3 weeks, depending on whether your business activity is considered HIGH or LOW risk, to collet the revenue from the sales and have it on your bank account. 
  • Usage of payment gateway as an online payments processer stimulates compulsory purchases. Buyers who tend to do online shopping spend less time when deciding whether they want to proceed with the purchase or not.   
  • High level of security due to the use of SSL protocols and Fraud Scrubbing anti-fraud rules.
  • Easy and fast refunds. Payment gateway allows returning money to the client whenever requested.  Usually the client receives the money on his card in 1-3 working days.
  • Relatively low payment gateway fees comparing to traditional payment methods such as wire transfers, Checks or Western Union.
  • The integration and configuration of the payment gateway for your online store is simple and intuitive process.


We guarantee
Secure Merchant Account
WITH and WITHOUT 3D Secure
Personalized service
Response in less than 24h.
100% secure payments
Online protocols anti fraud.
Transparent Commissions
No hidden expenses.
We speak your language
Spanish, English and Russian
Client identification protocol.
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