Valued Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Valued Merchant Services (VMS) is best for all types of mobile, online, and in-store businesses operating in both standard-risk and high-risk industries.

Specializes in

VMS specializes in processing credit and debit card and mobile payment processing for both standard and high-risk businesses. VMS offers mobile payment through Clover and ROAMPay and Internet Gateways solutions for e-commerce through The company is also a reseller of EMV-compatible mobile and traditional equipment through numerous vendors, including PAX, Verifone, PAX, Ingenico, and First Data. The company looks to serve as a one-stop-shop by offering an entire suite of gift-card, fleet cards, eCheck and ACH processing, gift cards, loyalty programs, and QuickBooks integration.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : $395 (typically waived)

Contract Terms:

Visit Valued Merchant Services

VMS is an ISO/MSP of Wells Fargo, N.A. in Walnut Creek, CA. The company is a reseller of payment processing services of First Data Corporation.

The company was founded in 2006 and is currently led by its co-founders Chris Del Grande, President, and Sean Ruppel, CEO. VMS is based out of Ammon, Idaho.

VMS has multiple pricing plans, including tiered pricing and interchange-plus. The company has a dedicated support email address and phone number and has had zero complaints in the last three years on the Better Business Bureau's (BBB) website.

Valued Merchant Services Overview


VMS looks to serve as a one-stop-shop for merchants. Founded in 2006, the Ammon, Idaho-based company has no complaints on BBB's website or other online forums.

The company has a dedicated Support phone number and email address and is available 24/7. With VMS, merchants can set up payment processing for debit and credit cards, traditional and mobile POS terminals, and payment gateway and mobile payment services. The company also offers merchants financing in loans, cash advances, and a line of credit.

The company may not have any complaints. However, it is not very proactive in educating clients. There are minimal resources online that may help merchants make informed decisions about payment processing. There is no help section to reference at one's convenience on setting up or troubleshooting common issues that arise.

Quick Facts

Head Quarters

Idaho Falls, ID

Year Founded



Sean Ruppel



Merchant Provider Risk Tolerance

What We Like

Spotless track record

Compatible with a wide variety of industries

eCheck processing offered

High-risk accounts offered

What We Don't Like

Limited pricing disclosed online

Early termination fee

Expensive hardware leases

Deceptive website & advertising

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • Enterprise Merchant Accounts
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Valued Merchant Services Products & Services


Payment Processing: VMS is a reseller of First Data for both standard and high-risk merchant processing services.

Point of Sale: The company resells EMV-compatible POS equipment of Clover, PAX, Verifone, PAX, and Ingenico.

Tertiary Services: VMS offers Mobile payment processing through Clover and ROAMPay. The company provides Internet Gateways solutions for e-commerce through CardConnect and

The company also offers financing options for businesses, including traditional loans, credit lines, and cash advances.

VMS also helps businesses with services such as Payroll/HR processing through a partnership with ADP, social media management, and web development services for merchants' to create websites and apps for them.

Valued Merchant Services Payment Processing

  • ACH Check Transactions
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • POS Equipment

Valued Merchant Services Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Valued Merchant Services Advertising & Sales

We have not found any complaints about VMS' sales tactics, nor have they been accused of misrepresenting their terms. The company advertises via a combination of outside sales teams and affiliate partnerships. External sales teams are notorious for being more aggressive and less ethical in their sales practices. However, VMS has extensive sales training guidelines and manuals the company has drafted and used for years to train their sales staff.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Valued Merchant Services Pricing, Rates & Fees


VMS is a reseller of First Data for its payment processing services and uses both tiered and interchange-plus pricing model. The company's rates are;

Swiped Rate - 2.69% + $0.19

Keyed-In Rate - 3.69% + $0.19

Monthly minimum fee - $25

Annual Service Fee - $120

PCI Fee - $120

Early Termination fees - $395

Based on our research of internal company documents, management encourages sales staff to waive one-time fees.

Merchants utilizing e-commerce and online/mobile processing services may incur Gateway and Terminal charges, batch fees, and technical support fees. We weren't able to locate disclosures of these charges from VMS.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

3.69% + $0.19

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

$395 (typically waived)

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

$120 annual service fee

Monthly Minimum


Statement Fee

Valued Merchant Services Contract & Terms

VMS offers both tiered and interchange-plus for payment processing with an early termination fee, but sales staff have much leeway and are encouraged by company management to waive.

A standard agreement through First Data is usually three years. However, the company usually waives their early termination fee; the service agreement is effectively a month-to-month.

Contract Length


Early Termination Fee

$395 (typically waived)

Valued Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Valued Merchant Services Complaints, Ratings & Reviews

VMS has been accredited with the Better Business Bureau (BBB) since 2012. The company is rated an A+ with zero complaints in the last three years. There are no outstanding lawsuits or federal complaints, and VMS has no complaints on any online forums or platforms.



A+(0 complaints)




4.9 Stars / Based on the opinion of 24 people


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Total Online Reviews


Total Online Complaints




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