Virtualpos

Virtualpos Overview For Merchants

If you sell in Chile and need a single platform to accept cards, transfers, and alternative methods across online and in-person channels, Virtualpos is worth evaluating. Virtualpos is a Chile-based payment service provider that connects businesses to multiple payment methods through Web Checkout, an embedded Quick Checkout, payment links, a self-service Portal de Pagos, and SmartPOS for subscriptions and PIX in-store.

What Is Virtualpos

Virtualpos is a payment service provider that processes and collects payments for merchants via a proprietary platform. According to its terms, it supports card payments, electronic transfers, prepaid cards, and PIX for Brazilian payers. The company provides an online portal where merchants can review sales, deposits, and invoices and manage their tools. Virtualpos also declares adherence to international security standards, including PCI DSS certification, and offers an incident status page for transparency on uptime.

Core highlights

• Payment acceptance across cards, transfers, digital wallets, QR, and PIX

• Omnichannel options: hosted checkout, embedded checkout, payment links, portal, and SmartPOS

• Two settlement schemes: T+3 business days or next business day, with published commission schedules

• PCI DSS security posture and no PCI certification required on the merchant side when using Quick Checkout

• API with REST endpoints, webhooks, sandbox, and status monitoring

Channels And Products

Web Checkout

A hosted checkout that consolidates card payments, bank transfers, and digital wallets through one integration. For ecommerce teams, this is the fastest way to activate a broad set of methods without heavy frontend work.

Key points

• Accepts credit, debit, and prepaid cards, electronic transfers, and digital wallets

• Plugins indicated for common platforms: VTEX, Jumpseller, Magento, PrestaShop, and WooCommerce

• Single integration to expand methods over time

Quick Checkout

An embedded checkout that places the payment form directly on your site to reduce redirections and potential drop-off.

Key points

• Plug-and-play UI modules for a fully integrated payment experience

• Merchant control over allowed card types, banks, and number of installments

• Supports national, international, and corporate cards

• The product meets PCI requirements so you do not need your own PCI certification to use it

Link De Pago

Payment links to collect without a storefront or cart.

Key points

• Included by default with a Virtualpos account

• Share via WhatsApp, email, social networks, or place as a QR for scanning

• Accepts cards, transfers, PIX, and QR via Onepay or MACH

• Email notifications on completed payments and real-time visibility in the merchant portal

Portal De Pagos

A branded, self-service portal for customers to consult and pay outstanding balances online 24×7.

Key points

• Configurable business rules such as forcing full payment, prioritizing oldest invoices, or allowing minimum payments

• Can publish under a Virtualpos subdomain or your company domain

• Integrates with ERPs, billing systems, databases, or files as debt sources

Suscripciones And Recurring Payments

Tools to create plans and charge rules in CLP or UF, with enrollment online or through SmartPOS for in-person subscription capture.

Key points

• Tokenization with or without issuer authentication

• Up to three configurable retry attempts

• Optionally collect an initial fee at subscription signup

• Use via API or directly from the portal

Cobro Masivo

Upload a debtor list and automate outreach and collection at scale.

Key points

• Automated buttons and links sent to payers

• Supports national, international, corporate cards, and electronic transfers

• Real-time online tracking

Payouts

Programmatic disbursements to customers via an API.

Key points

• Send funds in seconds and query balances and payout status via endpoints

• Bank code catalog support for Chilean banking rails

• Designed to pair with payins for closed-loop flows such as marketplace or gaming withdrawals

Supported Payment Methods

Virtualpos centralizes a broad set of methods with a single provider relationship:

• Cards: credit, debit, and prepaid via Webpay Plus

• Digital wallets and QR: Onepay wallet, MACH by Bci, Redpay QR

• Bank transfers: electronic transfer options

• PIX: for Brazilian tourists and residents paying in Chile, available for both online and SmartPOS in-store scenarios

This portfolio allows Chile-focused merchants to optimize acceptance for domestic buyers and tap into inbound Brazilian demand through PIX.

Developer Experience

Virtualpos provides a REST API with JSON responses and standard HTTP codes. Authentication requires API Key and message signature headers, and the platform offers a production-identical sandbox on request.

Key developer features

• Payment objects for creating, authorizing, canceling, listing, and retrieving logs

• Web Checkout link generation via API

• Subscriptions: plans, subscription lifecycle, and charges

• Payouts: create payout instructions, check balances, statuses by ID or merchant ID, and access Chilean bank codes

• Webhooks for asynchronous notifications on payments, subscriptions, and payouts

• Pagination, error and rejection models, and test data for sandbox verification

Documentation is versioned and publicly browsable. A status page displays uptime by component and incident history, and integration support is available via Slack and video sessions. For teams shipping quickly, Virtualpos indicates ready integration paths with VTEX, Jumpseller, Magento, PrestaShop, and WooCommerce.

Security And Compliance

Virtualpos states it complies with international security standards, including PCI DSS certification. For Quick Checkout, Virtualpos clarifies that merchants do not need to obtain their own PCI certification to use the embedded payment form, since the solution handles sensitive card data in a compliant manner.

Operationally, the status page provides real-time component health and historical uptime, and the terms outline chargeback handling, cancellation allowances for card credit transactions, and compliance responsibilities regarding data security, tax documentation, and the prohibition of illicit use.

Reporting, Reconciliation, And Merchant Portal

The merchant portal exposes real-time sales data, including applied commissions and deposit dates for each payment. The API mirrors this with endpoints to retrieve deposit files and authorized transaction lists. For finance teams, this supports daily reconciliation, fee verification, and cash-flow forecasting aligned with the chosen settlement cadence.

Additional operational controls are embedded across products:

• Portal de Pagos rules to shape how customers repay balances

• Quick Checkout controls over accepted methods, issuing banks, and number of installments

• Cobro Masivo dashboards to monitor collection progress

• Subscriptions with configurable retries, tokenization, and online or POS-based enrollment

Industry Fit And Use Cases

Virtualpos highlights solutions for several industries common in Chile:

• Insurance and financial services needing recurring billing and a self-service payments portal

• Education for tuition and fee collection with rules around partial or full payments

• Ecommerce teams seeking either rapid hosted checkout or an embedded form to lift conversion

• Gyms and clubs that require in-person subscription enrollment and recurring charges

• Gaming and gambling operators that need robust payin and payout APIs, fraud rules, and daily settlement visibility within Chile’s evolving regulatory context

For merchants with inbound Brazilian customers, PIX offers a clear cost and UX lever both online and in-store, with settlement in CLP and automatic FX conversion.

Conclusion

Virtualpos is a strong candidate for Chile-centric merchants that need broad domestic acceptance, straightforward installment financing, and a single provider to unify online, in-person, and self-service collections. It is also relevant for businesses targeting Brazilian travelers or residents through PIX. Product and fee transparency, developer tooling, and operational reporting make it suitable for teams that value fast integration with clear cash-flow timelines.