Valued Merchant Services Review: Fees, Complaints, & Lawsuits

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Valued Merchant Services
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Valued Merchant Services

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PhonePhone(800) 531-8575 View Pricing

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A First Data Reseller

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 as well as the Clover and Vital POS systems.

Valued Merchant Services Payment Processing

Valued Merchant Services processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS solutions, mobile payments, business loans, gift and loyalty programs, and check and ACH processing.

Valued Merchant Services Location and Ownership

The company was established in 2006 and maintains its headquarters at 3544 East 17th Street Ammon, Idaho 83406. Valued Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A. Sean Ruppel is the CEO and Chris Del Grande is the president of Valued Merchant Services.

Valued Merchant Services Review Table of Contents

  • Costs & Contract: Valued Merchant Services appears to offer a multi-year agreement through First Data with an early termination fee of $395. However, this fee is waived according to representatives of the company.
  • Complaints & Service: Valued Merchant Services complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Valued Merchant Services has an “A+” rating and has received 0 complaints and 1 review in the past 3 years. The company has been accredited by the Better Business Bureau since 2012.
  • Sales & Marketing: Valued Merchant Services appears to hire independent sales agents but has not received any serious complaints about its sales practices.

Valued Merchant Services Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Clean Complaint Record

We have found almost no Valued Merchant Services complaints across all consumer protection websites, which is a good sign that the company is not 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 TSYS’s customer support. If you have your own Valued Merchant Services complaint to make, please do so in the comments below.

Valued Merchant Services Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Valued Merchant Services. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Valued Merchant Services Customer Service Options

Valued Merchant Services offers a phone number and a dedicated customer support email address on its website. This is consistent with our expectations for great payment processing customer service. At this time, the company’s low complaint volume inclines us to award Valued Merchant Services an “A” in this category.

We have located multiple Valued Merchant Services customer service phone numbers:

(800) 531-8575 – Toll-Free Support
(877) 885-1740 – Alternate Number

Valued Merchant Services also offers a customer service email address at [email protected]

Valued Merchant Services BBB Rating and Report

Our Better Business Bureau Profile Assessment

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Product & Service Complaints
Billing & Collection Complaints
Advertising & Sales Complaints
Guarantee & Warranty Complaints
Delivery Complaints

No BBB Complaints

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.

What Merchants Say

The company has received 1 positive informal review on its BBB profile. One review details excellent customer service:

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

Merchants 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, merchants should be aware that there are reasons to be skeptical of the BBB’s rating methodology.

Valued Merchant Services Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
2.69% + $0.19
Keyed-in Rate
3.69% + $0.19
Monthly Minimum Fee
Early Termination Fee
$395 (typically waived)
PCI Compliance Fee
Equipment Lease Terms

Month-to-Month Contract

The standard Valued Merchant Services rates and contract include an agreement through First Data which involves a five-year commitment, a $120 annual PCI compliance fee, and a $395 early termination fee. According to a company representative, agents are encouraged to waive early termination fees, effectively making merchant agreements month-to-month contracts. This contract also includes a monthly minimum fee of $25.

First Data contracts typically include a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. However, as a reseller of these services, Valued Merchant Services reserves the right to alter the terms and conditions of merchant agreements. This means that merchants are likely to receive lower rates, as it is a popular misconception that signing up with a direct processor like First Data is cheaper than signing up with a First Data reseller. Since no online complaints refer to high rates through Valued Merchant Services, it is fair to assume the company reserves its right to offer merchants lower rates.

Terms May Vary

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. In the event that a merchant is also signed up for an equipment lease through the company, that lease may be subject to its own cancellation policy.

Improved Contract Terms

The new Valued Merchant Services contract is a major improvement over its previous agreement, and we are currently unable to locate any Valued Merchant Services reviews that complain about the company’s contract terms. Under certain circumstances, it is possible that the company’s pricing could rival the savings offered by the cheapest merchant account providers.

We also encourage merchants to check out our list of the providers of the best merchant services.

Valued Merchant Services Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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 Review Summary

Our Final Thoughts and Opinions

A Solid Options for Most Standard-Risk Businesses

Valued Merchant Services rates as an above-average merchant account provider according to our rating system. The company is not showing any publicly listed complaints, and its contract terms have improved since our last update. Taking into account all available indicators, clients of Valued Merchant Services should expect competitive contract terms paired with better-than-average customer service. Merchants can ensure that they get a great deal by comparing Valued Merchant Services with top-rated merchant account providers.

Valued Merchant Services Competitors

Compare Quotes From These Processors

Customer & Employee Reviews

What Others Are Saying About Valued Merchant Services

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2 Responses

  • 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

    • Phillip CPO

      Hi Joe,

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


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