The submission of payment information for a transaction by keying the customer's payment information into a hardware terminal or Virtual Terminal. For example, any transaction that is not submitted by allowing an organization or business to “swipe,” or read, payment information from a magnetic stripe on a credit, debit or stored-value card; or transactions that take place by physically keying in payment information using a keypad. Additionally, for Web merchants a manual transaction might be considered any transaction that is not entered at their e-commerce Web site by a customer.