Virtual POS: how it works and when it beats a physical terminal
A virtual POS accepts cards and wallets through a browser or app, without dedicated hardware. It supports e-commerce, phone orders, payment links and B2B invoices. RoxPay combines these channels with €0.15 + 0.35%-0.85% IC++ pricing and no monthly fee.
Estimated cost on €10,000 monthly volume
| Model | Price structure | Monthly estimate |
|---|---|---|
| RoxPay IC++ | €0.15 + 0.35%-0.85% | €65-€115 |
| Flat rate | 1.95% per transaction | €195 |
| Traditional bank POS | Monthly fee + negotiated rate | €10-€30 plus fees |
How a virtual POS works
The merchant creates a payment link, hosted checkout or MOTO transaction. The customer authenticates with 3D Secure 2, the network authorises the payment and the net amount is settled, typically within 1-3 working days.
Virtual or physical POS?
A physical terminal is best for face-to-face retail, while a virtual POS serves e-commerce, remote invoices and phone orders. Businesses with both channels should prefer one provider and one reconciliation flow. PCI DSS, PSD2, tokenisation and clear settlement times are essential checks.
Questions fréquentes
What is a virtual POS?
It is software that accepts card payments remotely through a hosted page, payment link, integrated checkout or MOTO flow.
Is a virtual POS cheaper than a flat-rate provider?
For recurring volume, IC++ can cost less because it exposes the card's real interchange and applies a clear markup rather than one blended percentage.
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