Kantivo's virtual terminal isn't a side app or a separate browser tab — it's a charge screen wired into the same desktop accounting software where your customers, invoices, and ledger already live.
Download FreePhone payments, counter payments, and ad-hoc charges normally mean two systems: a Stripe dashboard for the actual card processing, and your accounting software for the bookkeeping that follows. Kantivo collapses both into a single screen. Enter the card, pick the invoice, hit submit — and the payment, the merchant fee, and the bank deposit are all posted to the right accounts the moment Stripe confirms the charge.
Because Kantivo is desktop accounting software with Stripe wired in at the gateway level, the virtual terminal works the same way the rest of the app does: a workflow, not an integration. There's no copy-paste of charge IDs, no end-of-day reconciliation chore, and no waiting on a webhook from a separate service.
The terminal sits inside the Payments menu of the Kantivo desktop app. Your active Stripe gateway is already connected.
Start typing — Kantivo finds the customer record and shows their outstanding invoices. Skip this if it's a one-off charge with no account.
Card fields are hosted by Stripe Elements. The number, expiry, and CVC never reach your machine or the Kantivo database — they go straight to Stripe.
Before you submit, Kantivo shows the merchant fee, the net deposit, and the GL accounts it'll touch — so there's no surprise when you reconcile.
The charge processes, the invoice closes, the bank account is debited (net of fees), and the fee expense is posted automatically. You're done.
Selecting an invoice during the charge auto-fills the amount, marks the invoice paid on success, and links the payment record to the invoice.
The card entry fields are Stripe-hosted iframes. Kantivo never sees the PAN, the CVC, or the expiry — only the resulting payment token.
Kantivo applies the percent + flat fee schedule from your gateway settings and posts the merchant cost to your fee expense account — no manual journal entries.
The Recent Payments feed on the terminal shows every charge you've put through, complete with Stripe charge ID, customer, amount, fee, and status.
You'll get the most out of Kantivo's virtual terminal if you regularly take payments where a self-serve checkout link doesn't fit:
The customer reads their card over the phone. You enter it in Kantivo. The invoice closes itself the moment Stripe says yes.
Service businesses billing directly from a workstation can skip the standalone POS — Kantivo's terminal is the cash register.
Take a deposit when work is scheduled, then apply it to the final invoice later. Pairs naturally with progress invoicing.
No customer record on file? Charge the card anyway and post the income to a generic account — no need to set up a customer first.
Kantivo's virtual terminal turns a five-step reconciliation into a one-step charge. Try it inside the desktop app.