It is access to a part of the credit card processing for a business "merchant account". They are very hard to open unless you are a real business as they require documents and verification calls in almost all cases. If you have access to the virtual terminal you may be able to switch out the bank account associated with the terminal and charge cards to a bank drop. If you, or anyone else, can get access to merchant accounts like this it can be highly lucrative. PM if you have more questions.