Credit Teminal Web

One of the 'additional' paypal merchant services they offer is called 'Virtual Terminal' which allows you to take credit card orders over the phone. They charge an extra $20 a month for this.

What is to stop me however, simply taking customers' orders over the phone, and entering their details into my standard website shopping cart (e.g. simply doing the checkout for them)? - thereby not having to pay for the extra service.

Is there something illegal, or against PayPal policy in this?

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