Your customer
wants to pay.
Let them.
They're on the phone. They're at your counter. They're in another city. It doesn't matter — create a charge in 10 seconds, they transfer, you get paid. No card machine. No payment gateway. No developer.
New Charge
Your customer pays via bank transfer
Amount
₦25,000
What's it for
Photography — engagement shoot deposit
Customer transfers to
How do you collect money today?
You share your personal bank details on WhatsApp. You ask “have you sent it?” three times. You scroll through your bank statement trying to match names to payments. You have no receipts, no records, and no idea who owes you what.
Today
Share personal account on WhatsApp
With Terminal
Generate a unique account per charge
Today
"Have you sent it?" — check bank app, refresh, wait
With Terminal
Instant confirmation the moment they transfer
Today
Scroll bank statement to find who paid what
With Terminal
Every payment tied to a customer, description, and receipt
Two ways to get paid
In person. Or from anywhere.
Quick Charge
You're face-to-face with your customer, or on the phone. Enter the amount, show them the account details (or read it out), and they pay on the spot.
How it works:
- 1Tap "New Charge" and enter amount
- 2A one-time account number appears instantly
- 3Customer opens their bank app and transfers
- 4You see "Paid" on your screen in seconds
Perfect for: shops, markets, counters, phone orders
Payment Link
Your customer is somewhere else — different city, different country. Create a charge and send them a payment page via SMS. They open the link, see the transfer details, pay, and you're both done.
How it works:
- 1Tap "New Charge" → enter amount + customer phone
- 2Terminal sends an SMS with a payment link
- 3Customer opens the link and sees transfer details
- 4They pay — you both get instant confirmation
Perfect for: deposits, remote services, invoices, e-commerce
What your customer sees
A clean payment page.
No app download. No signup.
When you send a payment link, your customer gets an SMS. They tap the link and see a branded page with the exact transfer details — bank name, account number, amount. They transfer from their banking app. The page updates to “Paid” automatically.
- Works on any phone with a browser
- No app or account required — your customer just transfers
- Page updates in real-time without refreshing
- Receipt available instantly for both parties
Studio Adefemi
₦25,000
Engagement shoot deposit
Transfer to
Built for
Any business that takes payments.
If someone owes you money and you're currently sharing your personal bank details, Virtual Terminal is for you.
Freelancers & creatives
"Send me your account" → Send a payment link
Online sellers
Collect before shipping, no payment gateway setup
Tutors & coaches
Students pay before the session starts
Photographers
Booking deposits without sharing personal accounts
Caterers & food vendors
Event advance payments with proper receipts
Logistics & delivery
Collect COD via transfer before handover
Event planners
Ticket sales, vendor deposits, client payments
Salons & wellness
Appointment deposits, walk-in payments
What you get
Everything to collect payments professionally.
Instant confirmation
Payment confirms the moment the transfer lands. No more refreshing your bank app.
Customer book
Every payment captures the sender's name and bank. Your CRM builds itself — no forms, no sign-ups.
Receipts & records
PDF receipts for you and your customer. Full payment history with search, filters, and CSV export.
Analytics
Daily and weekly collection totals. Top customers. Average transaction value. Peak payment hours.
Works everywhere
Starting in Nigeria. Expanding to Ghana, Kenya, South Africa, and beyond as Numero grows.
Secure by design
One-time accounts. No card data. No sensitive info on payment pages. NDPR compliant.
Stop sharing your personal bank details.
Virtual Terminal is free to start. You only pay 0.5% when you actually get paid. Sign up, create a charge, and collect your first payment — today.
Get early accessFree. No card required. Live in 60 seconds.