Accept payment anywhere & basic online invoicing, helping to improve patient experience and office efficiency. Upgrade to a comprehensive virtual terminal with more features for a small monthly fee.
Talech Virtual Terminal
FREE, included with the purchase of any POS
This is a basic online virtual terminal that allows businesses to do basic online invoicing, helping to improve patient experience and office efficiency
*Recommended for business who does a limited amount of online invoicing
Features
- Basic Invoicing: Email customers invoices and allow them to pay online with a simple click with customized due date.
- No KEY TRANSACTIONS ON DESKTOP, only on iPad/iPhone/Android
- Connect a low-cost card-reader to to take payments to your mobile devices (iPhone, iPad, Android) by logging into your Talech mobile app. NOT available on Desktop.
Limitations:
- No off-line key transactions on desktop (only on Mobile/iPad)
- No secured card saved on file
- No scheduled & recurring payments/invoices
- No embedded website PAY ONLINE button/link.
- No Text to Pay or Direct Payment Link (Need to CC-Business email on invoice to get direct link)
POYNT HQ Virtual Terminal (GoDaddy Payments)
$15 per month, up to $40/mo for additional functions
POYNT HQ is a comprehensive online virtual terminal that any Elavon merchants can sign up on their own once they get their POYNT C device/account access. Allow businesses to accept payment anywhere via virtual transaction, online invoicing with direct link, payment button (beta) to improve patient experience and office efficiency
*Recommended by any POYNT Device for convenience (all in one dashboard)
Features (Al Carte)
- Flat-Rate 2.8 % + 30¢ per online transaction
- Invoicing: Email customers quotes and invoices and allow them to pay online with a simple click or direct payment link. Allow for scheduled & recurring payments/invoices.
- Virtual Terminal: Take payment on any desktop either in person or over the phone
- Card on File: Securely store customer profiles and card details for repeat, recurring and subscription payments.
Limitations:
- No Text to Pay but can send direct payment link with 3rd party application like WEAVE
- No embedded website PAY ONLINE button (Beta)
- No virtual transactions on Mobile application, only desktop if paid for features (Beta)
Converge Virtual Terminal
$20 per month
Converge is a comprehensive online virtual terminal that allows businesses to accept payment anywhere, from online invoicing, EMV-card reader to payment button to improve patient experience and office efficiency.
*Recommended for any large businesses who want the full capacity of virtual terminal with multiple stations card reader.
Features
- Card on File: Securely store customer profiles and card details for repeat, recurring and subscription payments.
- Advanced Billing and Invoicing: Email customers quotes and invoices and allow them to pay online with a simple click. Allow for scheduled & recurring payments/invoices. Allow for keyed payment online.
- Connect any card-reader (Lane 3000 or Moby 5500) to any desktop to take payments via swipe, chip or tap (Window only)
- Add a PAY ONLINE button/link on your website for instant payment
Limitations:
- Card reader add-on via ConvergeConnect is NOT currently compatible with Apple IOS Mac devices/ Desktop (Windows only). If you have an iPad and would like to process payments with Converge, log in to the Converge Virtual Terminal Mobile App using your Converge account.
- No Text to Pay or Direct Payment Link (Need to CC-Business email on invoice to get direct link)
FAQ.
Due to the higher risk of fraud, card-not-present transactions, such as phone orders or online invoicing, are inherently less secure than in-person transactions. This increased risk results in higher rates.
On average, if your effective in-person rate is around 1.73%, you can expect an online rate of around 2.25%, approximately 0.50% higher. Unlike providers such as Stripe or Square, which operate on a flat-rate model of 3.50%, up to 5.00%, our rates are determined by a low-cost interchange rate model.
We have negotiated features to provide Talech Virtual Terminal as a free service. We value technology and efficiency, especially solutions that reduce staff time, such as taking payments over the phone, which can lead to human errors and higher transaction rates.
Online invoicing mitigates these issues by allowing patients to pay directly online, resulting in a more secure and frictionless process, ensuring the lowest rate for card-not-present transactions.
Yes, to access the Talech Virtual Dashboard for free, you will need to sign up for a FREE Talech mobile account via purchase any of our POS devices
While the Talech terminal meets the needs of most optometry offices, some offices may require a more robust solution, making Converge or POYNT HQ a great option.
Key differences with Converge & POYNT HQ include:
- Card on File: Securely store customer profiles and card details for repeat, recurring, and subscription payments.
- Scheduled & Recurring Payments/Invoices: Support for subscriptions.
- Desktop Card-Reader Connection: Accept payments via swipe, chip, or tap (Converge only)
- Buy Payment Button: Add a payment button or hyperlink on your website for instant payment.
It is always good practice and compliant to include a disclaimer notice on invoices or within your practice’s website/signage stating that all unpaid balances will be automatically charged to the card on file within a specified number of days. Always inform the patient verbally or through a written agreement to avoid any unpleasant surprises.
Absolutely! This is a great service for your patients. For example, for a $2,200 annual myopia management program, you can collect a $1,000 deposit and set up a monthly recurring charge of $100 for the remaining 12 months.
Unfortunately, neither Talech, POYNT HQ or Converge allows for payment via text. Here are two workarounds if you are using third-party texting software:
- Talech/Converge: When sending an email, cc yourself on the invoice email, then copy/paste the payment link from your email into your texting program.
- POYNT HQ: Create a hyperlink with each invoice directly, then copy/paste that payment link into your texting program.
This practice is considered non-PCI compliant and is heavily advised against due to the liability risk if the physical device is hacked or stolen, potentially leading to lawsuits and non-compliance issues.
If you want the ability to automatically store CC information for in person transactions, we would need to do a CONVERGE SET-UP with card readers.
Its time to
cut payment costs
and increase business profitability
Sign up instantly, no paperwork,
no commitments.
**Estimated savings are calculated on annual processing rates and are based on Elavon’s analysis of The Strawhecker Group’s industry data survey in payment processing services as of December 2023 on net revenue from merchants of a similar size and type compared to the portfolio. Actual savings will depend on business type, card type, manner of card acceptance, and volume of transactions. ODoF Members pay an $0 Application Fee and Monthly Statement Fees. Services provided by Elavon.
**Receive a $200 credit towards wholesale purchases, only eligible for accounts processing over $30,000 monthly after 3 months. Eligibility is reassessed every quarter after the initial three months. Terminal purchases must be paid for upfront; eligible accounts will receive a rebate via ACH or check after three months of processing.