# Virtual Terminal

![Virtual Terminal](/assets/virtual-terminal.ec12abd21153afb7fd08d11a82bbc9e0c9b95df4861c3760b04866bf4a45a282.fec90461.svg)

This article details how to create payments using the Virtual Terminal. The Virtual Terminal enables you to charge any credit or debit card directly from the Finix Dashboard.

## Step 1: Create a Payment

To access the Virtual Terminal and manually create a payment:

1. Log in to the Finix Dashboard.
2. Click **Transactions** > **Payments**.
3. Click **Create Payment**.


![Create a Payment](/assets/virtual-terminal-1.e204ea53b0085404f1205af6f6e77e683fee9bcb5f846462a442b63b5aa21498.08ff7529.png)

## Step 2: Enter Payment Details

After clicking **Create Payment**, you'll see the **Virtual Terminal** form.

![Payment Form](/assets/virtual-terminal-5.85bd61dfec8ac812c46d4aa15229a097313e7ea3f7bea918046a7bbf791c1028.08ff7529.png)

Entering payment details into the form is designed to be intuitive and straightforward. We recommend filling out every field in the **Create a Payment** form to make the payment easier to search for:

1. Start by entering the **Total Purchase Amount**; the amount entered gets charged to the buyer's debit or credit card.
2. In **Description**, enter any additional information, like order numbers or invoice details, that will help you easily reference the transaction later.
3. Choose the **Buyer**. Click **Add New Buyer** if you don't see the buyer's details.
4. Choose the **Payment Method** to charge. Only the first six digits and last 4 four of the card number will be visible. Click **Add a new payment method** if you don't see the last 4 digits of the buyer's card.
5. Click **Review Payment**.


![Review Payment](/assets/virtual-terminal-2.b2472d7095df5c3b744a8398e7c53ce66e8b989e937d08560fe2fd5c261238a4.08ff7529.png)

Review the **Purchase Details** and **Payment Details** to ensure the transaction gets processed alongside expectations. When you're ready, click **Process Payment**.

## Step 3: Payment Confirmation

Once you've submitted the payment, a confirmation message will appear confirming that the payment was initiated.

- A **Payment ID** gets returned to help you track the status of the payment. The **Payment ID** is taken from the `Transfer` created to debit funds from the buyer.
- Click **Print Confirmation** to print the **Payment Confirmation** page to provide your buyer with a receipt.


![Payment Confirmation](/assets/virtual-terminal-3.cf54fb1d4e37a180e614010c0890b18448c5308fc2bb24bdc35c61ad9eab788c.08ff7529.png)

## Step 4: Managing Payments

Click on the **Payment ID** to review the payment in detail, update the **Description**, or create a refund.

![Managing Payments](/assets/virtual-terminal-4.3ccec8850a2d173a4db31aae8baedb3122a288dfbe27b907fbb45b48094a3581.08ff7529.png)

You can also use the tools available on the **Payments** page in the sidebar to search and retrieve past transactions.