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Valued Merchant Services Review: Fees, Complaints, & Lawsuits

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see who will offer you the lowest pricing and best service

Rating

5/5
Valued Merchant Services Logo
Website
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(800) 531-8575

Most Recent Comment

  • 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 busine..." Read More
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Rating:
5/5

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Valued Merchant Services Logo
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(800) 531-8575

Most Recent Comment

  • 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 busine..." Read More
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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.

Is the BBB Rating for Valued Merchant Services Accurate?

Better Business Bureau Profile

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see who will offer you the lowest pricing and best service

BBB Summary

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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.

How Expensive is Valued Merchant Services?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost Summary

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Monthly Minimum Fee $25
Early Termination Fee $395 (typically waived)
PCI Compliance Fee $120
Equipment Lease Terms Undisclosed

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.

Does Valued Merchant Services Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms Yes

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.

Does Valued Merchant Services Deserve Your Business?

Review Summary & Our Thoughts

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.

5-Star Rated Valued Merchant Services Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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This processor offers the lowest rates and best service we've seen

What Others Are Saying About Valued Merchant Services

Customer & Employee Reviews

2 Responses

  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

    Reply

    1. Hi Joe,

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

      Reply

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