PayPal Here User Privileges
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What are the minimum privileges for a user to download the mobile app and accept credit card transactions on a phone or tablet?
I see a virtual terminal privilege in the documentation but it doesn't appear in the interface.
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Assumiing you have Business Account, suggest checking out the info in this guide concerning Multi-User Access:
Ref section Adding Users to your PayPal Account (starts on page 15)
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Selecting "Request money and send invoices" is the minimum: that means users can accept payments (by swiping the credit card or keying in the information) but can't do anything else with the account (e.g. can't see balances, transfer money, or make payments).

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