Valued Merchant Services Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

Valued Merchant Services

"A-" Credit Card Processor Rating
Last Updated: January 26, 2014
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Valued Merchant Services Overview

Valued Merchant Services Logo

Valued Merchant Services Logo

Valued Merchant Services ( is a nationwide merchant services provider specializing in all forms of electronic payment processing services for businesses of most types and sizes. These include (but are not limited to) retail, restaurant, web-based, home-based and mobile businesses. Valued Merchant Services appears to be a reseller of First Data contracts. The company’s services include debit and credit card processing, e-commerce services, electronic check conversion, check guarantee and gift/loyalty programs. The company also offers ATMs for sale or leases, credit card terminals and POS systems and software. The company headquarters is located at 3544 E. 17th St. #207, Idaho Falls, Idaho 83406 and was established in 2006. Valued Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A.

Valued Merchant Services Sales & Marketing Tactics | A

Valued Merchant Services utilizes telemarketing and independent sales agents to market its services. Although these practices are usually tied to elevated complaint rates, Valued Merchant Services does not seem to be plagued by the usual problems associated with them. We were able to locate one complaint online describing a persistent and irritating series of telemarketing calls made by the company, but this complaint was responded to by a company representative in a proactive and professional manner.

Valued Merchant Services Costs & Contract Terms | C-

Click here to see a copy of the standard Valued Merchant Services merchant application
Valued Merchant Services Merchant Application

Click here to see a copy of the standard Valued Merchant Services program guide
Valued Merchant Services Program Guide

According to the Standard Merchant Account Program Guide provided by the Valued Merchant Services website (available above), the company’s standard contract is an agreement with First Data for five years that includes a $395 early termination fee. Other fees include a one-time application fee of $199, an annual PCI Compliance fee of $120, and a $15 monthly minimum fee. In the event that a merchant is also signed up for an equipment lease through the company, that lease is subject to a liquidated damages fee. The company’s use of independently contracted sales agents means that it is possible for contract terms to vary depending on the agent setting up the account, and some deviation from the standard contract is to be expected in nearly all cases depending on a merchant’s business type, size, and time in business.

Although these terms are slightly less competitive than industry averages, we are currently unable to locate any Valued Merchant Services reviews that complain about the company’s contract terms. It is possible that such complaints have instead been registered with the customer service department and online profiles of First Data.

Valued Merchant Services Complaints & Service | A

A search of other consumer protection websites reveals that Valued Merchant Services is showing zero complaints accusing the company of being a ripoff or a scam. This absence of complaints suggests that Valued Merchant Services has a responsive and available customer service department, but it is also possible that the company’s clients are instead dealing with First Data customer support. Either way, the low complaint volume compels us to award Valued Merchant Services an “A” in this category.

Valued Merchant Services BBB Report | A (CPO Adjusted)

Valued Merchant Services has been an accredited business of the Better Business Bureau (BBB) since 2012 and presently holds an “A+” grade. Within the last three years, a total of seven merchant complaints have been registered. One has been categorized under billing and collection, four under problems with products and services, and two under advertising or sales issues. Five of these have been fully resolved and two have not, although the BBB believes a good faith effort was made by the company to resolve the complaints. Since we believe that “A+” ratings should be reserved for companies with zero complaints, we have adjusted the BBB’s rating to an “A.”

Bottom Line

Valued Merchant Services rates as an above average merchant account provider according to our rating system. The company is showing very few publicly listed complaints, but it appears to offer a long-term standard contract with high fees. Taking into account all available indicators, it seems to us that clients of Valued Merchant Services should expect average contract terms paired with better-than-average customer service.

Leave your review of Valued Merchant Services in the comment section below:

Valued Merchant Services Review

Rated 3.875 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-03-07 14:55:24

UPDATED: Jan 26, 2014 – Valued Merchant Services has a total of seven merchant complaints filed within the last three years, none of which accuse the company of being a ripoff… Valued Merchant Services ( appears to offer a long-term standard contract with high… Learn more in this Valued Merchant Services review.

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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Joe simone

    They have probably the lowest rates in my area of central new york and their service is great. I would recommend them to all my fellow business associates without question. Joe

    Did you find this review helpful? Yes   No

    1. Phillip Parker

      Hi Joe,

      Please reply to this comment with your business name and location to verify your testimonial.

      Did you find this review helpful? Yes   No

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