Home > Processor Research > Valued Merchant Services

Read This Before Signing With Valued Merchant Services

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Valued Merchant Services

Rating
A
5/5
full starfull starfull starfull starfull star

Pros and Cons of Valued Merchant Services

Pros

Competitive processing rates
Diverse payment solutions
Flexible contract terms
Advanced POS systems
Secure transaction processing

Cons

Potential hidden fees
Potential cancellation fees
Equipment leasing costs
Contract term variability
Transparency concerns

Overview

In this review of Valued Merchant Services, we take a closer look at the company’s credit card processing solutions. Their offerings include point-of-sale systems, mobile payments, and e-commerce options designed for a variety of businesses. We’ll highlight which businesses may benefit most from these services. We’ll also review customer feedback to show common trends and concerns. In addition, we’ll break down pricing, contract terms, and included services. By the end, you’ll know whether Valued Merchant Services is the right fit for your business.

About Valued Merchant Services

Screen Capture of Values Merchant Services Homepage
Valued Merchant Services Homepage

Valued Merchant Services is a nationwide merchant account provider specializing in all forms of electronic payment processing services for businesses of most types and sizes. Valued Merchant Services appears to be a reseller of First Data (now Fiserv) contracts as well as the Clover and Vital POS systems.

Products & Merchant Services

Payment Processing

Valued Merchant Services processes all major debit and credit cards for most business types.

EMV Card Readers and Swipers

EMV card readers and swipers enable businesses to securely accept payments from credit and debit cards, whether they use chip technology or traditional magnetic stripes. With the growing emphasis on payment security, EMV card readers help reduce fraud and ensure that transactions are processed smoothly.

POS Solutions

Point of Sale (POS) solutions are integral to the daily operations of many businesses, from retail stores to restaurants. These systems not only facilitate transactions but also manage inventory, track sales data, and provide insights into customer behavior. Modern POS solutions offer a wide array of features, including multi-payment processing options, cloud-based data storage, and integration with other business tools.

Mobile Payments

Mobile payments allow customers to complete transactions using their smartphones or other mobile devices, often through apps or digital wallets.

Business Loans

Business loans are essential financial tools that help companies grow, expand, and manage cash flow. Business loans can be used for purchasing new equipment, expanding a location, or covering operational expenses. Different types of loans are available depending on the specific needs of the business, ranging from short-term loans to more substantial financing options.

Gift and Loyalty Programs

Gift and loyalty programs are effective strategies for building customer loyalty and increasing repeat business. These programs reward customers for their continued patronage, whether through discounts, points, or special offers.

Check and ACH Processing

Check and ACH (Automated Clearing House) processing offer businesses reliable methods for handling payments that aren’t made by card. ACH payments are commonly used for direct deposits, bill payments, and recurring transactions.

Customer Reviews & Sentiment

Positive Reputation

Across various consumer protection websites, we’ve discovered very few negative Valued Merchant Services reviews, indicating that the company is likely not involved in any fraudulent activities or scams. The scarcity of negative feedback suggests that Valued Merchant Services maintains a responsive and effective customer service department. However, it’s worth noting that some clients may be interacting with TSYS’s customer support instead. If you have your own experience with Valued Merchant Services, please share it with us in the comments below.

Legal Status and Regulatory Compliance

As of our research, there are no ongoing class-action lawsuits or FTC complaints against Valued Merchant Services. Clients dissatisfied with their experiences are encouraged to report concerns to relevant supervisory organizations for further investigation.

Efficient Customer Support

Valued Merchant Services provides a phone number and dedicated customer support email address on its website, aligning with our expectations for excellent payment processing customer service. Given the low volume of complaints, Valued Merchant Services earns high marks in this category.

Industry Scores & User Ratings

Online Ratings Summary
BBB Rating5
Google Maps4.9
Average Rating4.95

PaymentPop Rating for Valued Merchant Services

Negative Feedback

This company charged my clients a very high rate. Told me .10 is way too low and the merchants will pay .85 and refused to pay bonuses if I charged below .50 they rip off merchants.

Positive Feedback

Their name says it all,Valued! Very nice company, which other company owners take time from their busy schedule to hold meetings weekly, answering any and all questions we (independent contractors) need support with?!

Thanks for allowing me to share!

Christine

Valued Merchant Services BBB Rating

Valued Merchant Services has been an accredited business of the Better Business Bureau since 2012 and presently holds an “A+” grade. Within the last 36 months, 0 complaints have been registered to its profile. Valued Merchant Services has a 5 out or 5 star rating based on 2 user reviews on the Better Business Bureau website.

What Merchants Say

The company has 0 informal reviews on its BBB profile. One previous review details excellent customer service:

Great! VMS is the company that actually cared about my business.

Businesses searching for payment processing services should consider providers who are rated for their excellent customer service.

An “A” Performance

Since we believe that “A+” ratings should be reserved for companies with 0 complaints, we agree with the BBB‘s rating. However, business owners should be aware that there are reasons to be skeptical of the BBB’s rating methodology.

Google Maps Rating for Valued Merchant Services

Valued Merchant Services has a 4.9 out of 5 star rating based on 67 user reviews on Google Maps.

Positive Feedback

Excellent Service! I’ve done business with other payment processors, and I did not receive the same level of service as I have with Valued Merchant Services. I highly encourage any business owner to connect with Valued Merchant.

Negative Feedback

There are no negative reviews published about Valued Merchant Services on Google Maps.

Processing Rates & Fees

Month-to-Month Contract

Valued Merchant Services’ standard agreement with First Data (Fiserv) initially outlines a five-year term, featuring a $120 annual PCI compliance fee and a $395 early termination fee. However, agents have the discretion to waive the early termination fees for merchants, effectively allowing for month-to-month flexibility. This agreement also stipulates a monthly minimum fee of $25.

While First Data (Fiserv) typically offers a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19, Valued Merchant Services, as a reseller, may adjust these rates. The potential for customized rates underlines a common misunderstanding that direct processing with First Data is less expensive than through a reseller like Valued Merchant Services. The absence of complaints about excessive rates from Valued Merchant Services suggests the company takes advantage of its reseller status to negotiate more favorable rates for its clients.

Terms May Vary

Due to Valued Merchant Services’ engagement of independent sales agents, contract terms might differ based on the agent responsible for setting up the account. Variations are common and often depend on the specific needs and characteristics of the business. Additionally, any equipment lease agreement entered into through the company may have its own set of cancellation terms.

Improved Contract Terms

Valued Merchant Services has significantly updated its contract terms, leading to a notable improvement over previous agreements. Current feedback does not highlight any issues with these updated terms. Under specific conditions, the company’s offerings could potentially match or exceed the value found with the most affordable merchant account providers.

Business owners looking for competitive services are advised to explore our selection of the best merchant services.

Employee Reviews & Sales Practices

Outside Sales Team

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 Valued Merchant Services complaint describing a persistent and irritating series of telemarketing calls made by the company, but a company representative responded to this complaint in a proactive and professional manner.

This compares favorably to our list of best credit card processors.

No Deceptive Quotes

Valued Merchant Services does not list any rate quotes or unrealistic guarantees on its website. If you suspect that the company is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate them.

Valued Merchant Services Competitors

Compare Valued Merchant Services to competitors that earned top marks.

Bottom Line

Valued Merchant Services ranks as an above-average credit card processing provider according to our rating system. The company has maintained a clean record with no publicly listed complaints, and its contract terms have seen marked improvement since our previous evaluation. Given these favorable indicators, clients of Valued Merchant Services can anticipate competitive contract terms coupled with superior customer service.

To secure the best possible deal, businesses are encouraged to compare Valued Merchant Services with other top-rated merchant account providers. This approach will help them find the most suitable solution tailored to their specific requirements while ensuring they benefit from transparent pricing and high-quality support.

Read Actual User Reviews

All user reviews have been moved to our partner, PaymentPop.com

Contact Valued Merchant Services

Contact & Customer Support
CEOSean Ruppel
PresidentChris Del Grande
Headquarters3544 East 17th Street Ammon, Idaho 83406
Toll-Free Support(800) 531-8575
Alternate Number(877) 885-1740
Websitevaluedmerchants.com