Online merchants and service sellers can utilize a solution called the Virtual POS (Point-of-Sale) Terminal, a solution that simplifies the credit and debit card processing, and reduces the inconvenience associated with additional hardware and software. Using the VPOS, the merchant can generate a payment link and send to their customers via an e-mail, SMS, WhatsApp or any other similar methods. VPOS will come in as a solution for those merchants to get remotely paid. In fact, the TukTuk drivers have become individuals providing delivery services. Using the VPOS solution, these TukTuk drivers too can accept digital payments.