Web and Phone Check Payment

Commerce Bank's Virtual Terminal system allows your customers to pay by check for orders placed by phone or via the Internet.

Benefits for your business:

  • Cost savings - No need to purchase expensive POS terminals.
  • Faster access to funds - Funds are credited to your account within 48 to 72 hours.
  • Convenience - Accept check payments anywhere you use the web at anytime, such as a trade show or conference.  Learn how to take Virtual Terminal anywhere you use the web.
  • Security - Secured gateway, firewall and SSL encryption for all transactions.
  • Reduced risk of returned checks - System has access to national database of over 15 million high-risk accounts.*
  • Customer Convenience - Customers have the option to pay using their checking account for online or telephone purchases.

How web payments work >>

How phone payments work >>

Interested in learning more?


  • High-risk accounts are those prone to have insufficient funds.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.