Valued Merchant Services Review

Category Breakdown
Sales & Marketing rated A
Costs & Contract rated C minus
Complaints & Service rated A
BBB Rating rated A

Overall Rating

"A-" Credit Card Processor Rating


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 contracts. 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. The company’s president is Chris Del Grande.

Valued Merchant Products and Services Industries Served
  • Debit and credit card processing
  • Electronic check conversion
  • Gift and loyalty programs
  • POS equipment
  • ATM placement
  • E-commerce solutions
  • Retail
  • Restaurant
  • E-commerce
  • Mobile

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Sales & Marketing | A

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? Yes

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 Marketing Example

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Costs & Contract | C-

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $395+
PCI compliance fee: $120/year
Equipment lease: Variable

According to the standard merchant account program guide provided by the Valued Merchant Services website (available below), 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 First Data Global Leasing 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 much 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, but we have seen no evidence of this. See the Valued Merchant Services Program Guide.

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Complaints & Service | A

Key Points – Complaints & Service
Total complaints: <10
Live customer support? Yes
Most common complaint: N/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 inclines us to award Valued Merchant Services an “A” in this category.

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BBB Report | A*

Key Points – BBB Report
Product/service: 1
Billing/collection: 1
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 0

Valued Merchant Services has been an accredited business of the Better Business Bureau since 2012 and presently holds an “A+” grade. Within the last three years, a total of two merchant complaints have been registered to its profile. One has been categorized under billing and collection and one under problems with products and services. One was successfully resolved, while the other either was resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. Since we believe that “A+” ratings should be reserved for companies with zero complaints, we have adjusted the BBB’s rating to an “A.”

* Denotes CPO-adjusted BBB score

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Valued Merchant Services Bottom Line

Valued Merchant Services Review

Rated 3.9 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2016-03-02

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.

This review was originally published on 5/23/12 and was last updated on 3/2/16.

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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. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

2 reviews Leave Your Review Below

  1. 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

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