Sending Payments
Use your VTN account to send money to any seller or person nationwide. To send a payment, log in to your virtualterminalnetwork.com account, and go to the "Send Money" tab. You can send money from the balance on your VTN account or funds already in your VTN  Account. We send recipients an email to let them know you've paid, so they can confirm payments in their VTN account athttp://www.virtualterminalnetwork.com/Invite.asp?ID=75429 Use your VTN account to shop online in Nigeria:

• Auctions - Enjoy a wide selection of merchandise when you shop with http://www.virtualterminalnetwork.com/Invite.asp?ID=75429; it's accepted avereywhere the the VTN logo is displayed auctions.
• Merchant Websites - Thousands of other online sites accept virtualterminalnetwork.com for purchases, donations, or subscriptions - Remember to check and see if they accept virtualterminalnetwork.com!
• Personal Payments - Use virtualterminalnetwork.com to pay rent, split a dinner bill, or exchange money with friends and family.

Receiving Payments

You can also use your virtualterminalnetwork.com account to accept Cash gifts from friends and family abroad The payment is credited to your VTN account instantly. You decide what to do with the funds in your virtualterminalnetwork.com account, withdraw it by cash or request a check to be mailed to your address on file It's a breakthrough!!.
  Please note that this is not the complete list of all the capabilities of VTN and features. All products, features, and policies are subject to change. Be sure to log in to your virtualterminalnetwork.com account on a regular basis to view the "Policy Updates" page which can be found in the "What's New" box.

Source:http://www.virtualterminalnetwork.com/Invite.asp?ID=75429