Valued Merchant Services Reviews & Complaints

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Company Overview

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.

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.

Location & 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 Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

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.

Valued Merchant Services Contact Information

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

Other Support Channels

Valued Merchant Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 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 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.

Valued Merchant Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Processing Rates Variable
Monthly & Annual Fees Yes
Cancellation Penalties Yes (typically waived)
Equipment Leasing Yes

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.

Valued Merchant Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing 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.

Our Valued Merchant Services Review Summary

Our Final Thoughts

Valued Merchant Services rates as an above-average credit card processing 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. Businesses can ensure that they get a great deal by comparing Valued Merchant Services with top-rated merchant account providers.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Valued Merchant Services Treat You?

2 User Reviews

Tell Us How They Treated You

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