can anyone recommend a good company that provides virtual terminals, where you can take peoples credit cards over the phone or in person through a virtual terminal online?

Any Internet payment gateway these days comes with a virtual terminal.

Do you have a merchant account already? If so, your processor bank should be able to help you activate a gateway account w/ a virtual terminal or setup a MOTO/Internet account if needed.

If not, then where are you based? If you are in the U.S. - there are many merchant account providers who offer a bundled solution of the merchant account + gateway.

Most can do that as mentioned. Paypal even offers it now as well, if you have a Paypal account you can apply once logged in.