Retail & Specialty Stores
Support everyday checkout with compatible POS systems, card terminals, contactless payments, inventory integrations, and gift or loyalty program options.
Valued Merchant Services:
Solutions for the Point of Sale (POS) and Beyond
Valued Merchant Services helps businesses nationwide simplify credit card processing with competitive pricing, reliable payment technology, and personalized support. Since 2006, we’ve helped merchants find the right solutions for their businesses, from everyday card acceptance and point-of-sale systems to ecommerce payments and beyond.
Built for Real Business Owners
Why Businesses Trust Valued Merchant Services
Since 2006, Valued Merchant Services has helped businesses nationwide with far more than credit card processing. From modern point-of-sale technology and secure payments to business financing, payroll, digital marketing, and personalized support, we provide solutions that help businesses operate and grow.
The Valued Merchant Services Difference
Transparent, Competitive Pricing
Understand your processing costs, fees, and pricing options with straightforward explanations.
Flexible Pricing Programs
Explore interchange-plus, flat-rate, cash discount, and dual pricing options based on your business needs.
Flexible Agreements
Evaluate processing arrangements suited to your business rather than a one-size-fits-all approach.
Dedicated, Personalized Support
Work with knowledgeable representatives who understand your account, equipment, and day-to-day operations.
Local Relationships, Nationwide Reach
Benefit from personal relationships and support backed by merchant services coverage in all 50 states.
Instant, Same Day & Next Day Funding
Access available instant, same day, and next day funding options to help improve cash flow and keep your business moving.
Choice in Payment Technology
Compare POS systems, terminals, mobile solutions, and integrations based on how your business operates.
Security & Compliance Guidance
Explore EMV, encryption, tokenization, and PCI-related resources to support safer payment acceptance.
Solutions Beyond Payments
Work with one team to explore additional services that support everyday business operations.
Financing & Growth Support
Explore eligible funding options and practical business services as your needs evolve.
Experience Since 2006
Rely on years of industry experience helping merchants evaluate payments, technology, and business solutions.
Our focus is simple: reliable payment technology, competitive options, responsive support, and valuable business solutions that help you operate with confidence.
More Than Merchant Processing: What We Offer
Credit Card Processing
Accept major credit and debit cards, contactless payments, and modern checkout methods in-store or online.
POS Systems & Payment Terminals
Find POS hardware and software tailored to retail, restaurants, services, and other industries.
Ecommerce & Online Payments
Use payment gateways, virtual terminals, shopping carts, APIs, and website integrations to accept payments.
Check & ACH Processing
Accept electronic checks and ACH payments through convenient business payment solutions.
EMV & Payment Security
Explore chip-card terminals, encryption, tokenization, PCI resources, and fraud prevention tools.
Business Loans & Funding
Explore working capital, business loans, lines of credit, and other financing options for eligible businesses.
Social & Digital Marketing
Build visibility and reach customers through digital advertising, social media, and content marketing.
Payroll & HR Services
Explore payroll processing, human resources tools, and workforce management solutions.
Gift Cards & Loyalty Programs
Encourage repeat business with gift cards, customer rewards, and loyalty program options.
Mobile Payment Solutions
Accept payments on the go with compatible mobile card readers, devices, and payment applications.
ATM Services
Explore ATM placement, equipment, and related service options for eligible businesses.
Website & Mobile App Development
Create or improve business websites, mobile applications, and digital customer experiences.
Solutions for Your Industry
Merchant Services for the Way You Do Business
Different industries have different payment challenges. Valued Merchant Services helps businesses evaluate processing, point-of-sale technology, and additional solutions suited to their operations.
Restaurants & Hospitality
Explore restaurant POS systems, tipping and checkout capabilities, tableside payment options, and processing solutions for busy service environments.
Automotive & Repair Services
Accept payments for repairs, parts, maintenance, and service work with suitable terminals, invoicing options, and supported business integrations.
Healthcare & Professional Services
Evaluate secure payment acceptance, recurring billing, virtual terminals, and eligible HSA/FSA acceptance for practices and service providers.
Contractors & Field Services
Take payments on-site or remotely with mobile card acceptance, payment links, virtual terminals, and compatible invoicing tools.
Ecommerce & Online Businesses
Explore online gateways, shopping cart integrations, recurring billing, APIs, and secure checkout options for digital transactions.
Credit Card Processing Cost Analysis
Know What You're Paying. See What You Could Save.
A merchant processing statement tells a story. We look beyond the advertised rate to evaluate your actual processing costs, card mix, and pricing structure, then compare options that may better fit your business.
Complimentary Statement Analysis
See Where Your Processing Fees Go
No Obligation
We examine processing volume, transaction counts, effective rate, interchange qualification, card-brand fees, processor markup, and other charges to help identify potential savings.
Merchant Processing Summary
Example monthly statement
Illustrative Data
Not an actual merchant account
Monthly Card Volume
$42,860.00
Card Transactions
1,240
Total Processing Fees
$1,491.53
Effective Processing Rate
3.48%
Interchange / Issuing Bank Costs
$1,067.40
Card-Brand Dues & Assessments
$64.29
Processor Markup & Other Fees
$359.84
Total Monthly Fees
$1,491.53
Example figures are hypothetical. Actual statement detail and fee categories vary by provider, processor, and pricing arrangement.
Potential Processing Cost Savings: 10%–100%
Conventional pricing changes, interchange optimization, and markup reductions may produce savings of 10%–20% or more. Properly implemented cash discount or dual pricing programs may allow eligible merchants to offset up to 100% of their processing costs.
Actual savings vary.
Results depend on existing costs, card mix,
transaction methods, pricing, customer payment
behavior, and program eligibility. Cash discount
and dual pricing do not eliminate underlying
card-network costs. All programs are subject
to applicable laws, card-brand rules, disclosures,
and implementation requirements.
Break Down Your True Processing Costs
Separate interchange, network dues and assessments, processor markup, and other fees where statement detail permits. Then evaluate your effective rate.
Compare Pricing Structures
Review interchange-plus, flat-rate, tiered, cash discount, and dual pricing options to see what fits your volume, transaction profile, and customers.
Identify Optimization Opportunities
Look for costly interchange downgrades, transaction qualification issues, avoidable fees, and payment technology that may better support your operations.
Get Experienced, Personal Support
Work with knowledgeable merchant services professionals who can explain your options, assist with implementation, and support your business after activation.
Since 2006
Merchant services experience
50 States
Nationwide service
Free
No-obligation analysis
Find Out What Your Statement Reveals
Send us your recent merchant processing statement for a free review. We'll evaluate your current costs, explain potential savings, and help you decide whether a different pricing model or payment solution makes sense.
Get My Free Analysis
Payment Types & Options We Support
In-store, online, mobile, recurring, ACH, and specialty payments.
Visa
Mastercard
American Express
Discover
UnionPay
Credit Cards
Debit Cards
Contactless Payments
Mobile Wallets
Online Payments
ACH
Gift & Loyalty
Recurring Billing
Fleet Cards
Prepaid Cards
EBT
HSA/FSA Cards
Acceptance of specific card brands and specialty payment types depends on merchant eligibility, equipment, processor support, and applicable program requirements.
Simple, Personalized, No Obligation
How Getting Started With VMS Works
You don't need to change processors just to understand your options. We start with your current business needs and help you make an informed decision.
Share Your Current Statement
Provide a recent merchant processing statement or tell us about your payment needs. We'll begin by reviewing your existing setup.
Review Your Costs & Options
We evaluate available fee details, effective rates, processing methods, pricing models, and opportunities that may fit your business.
Choose What Makes Sense
Compare recommendations for processing, POS technology, funding options, and integrations. Move forward only if the solution fits.
Get Setup & Ongoing Support
If you choose VMS, our team assists with the applicable application, activation, equipment, and support process.
No pressure and no obligation. Start by understanding your existing processing costs and available alternatives.
Request My Free Processing AnalysisSee Why People Trust Valued Merchant Services
Merchant Services Questions Answered
Frequently Asked Questions
Get straightforward answers about credit card processing, pricing models, payment equipment, funding, and working with Valued Merchant Services.
How much does credit card processing cost?
Credit card processing costs depend on your transaction volume, card mix, payment methods, pricing model, and processor fees. Costs may include interchange paid to issuing banks, card-brand dues and assessments, and processor markup. VMS can review your statement to help explain your effective processing rate and potential alternatives.
Can a business eliminate credit card processing fees?
Eligible merchants may be able to offset up to 100% of certain processing costs using properly implemented cash discount or dual pricing programs. These arrangements do not eliminate the underlying card-network costs. Results depend on the program, merchant eligibility, customer payment behavior, and applicable laws and card-brand requirements.
What is the difference between interchange-plus, flat-rate, and dual pricing?
Interchange-plus pricing generally separates applicable interchange, assessments, and processor markup. Flat-rate pricing typically combines processing costs into a simplified rate structure. Dual pricing uses separately disclosed cash and card prices. The best fit depends on business operations, costs, customer preferences, and program requirements.
How quickly can VMS merchants receive their funds?
Valued Merchant Services offers Instant Funding, Same Day Funding, and Next Day Funding options. Availability depends on the merchant account, processing arrangements, eligibility, settlement requirements, and applicable cutoff times.
Can I keep my existing POS system or payment terminal?
In some cases, yes. Compatibility depends on the equipment, POS software, processor, gateway, and supported integrations. VMS can evaluate your current setup before recommending replacement hardware or software.
Does Valued Merchant Services serve all 50 states?
Yes. Valued Merchant Services provides merchant services nationwide, serving businesses across all 50 states. Founded in 2006, VMS combines national service coverage with personalized account support.
Does VMS offer services beyond credit card processing?
Yes. In addition to merchant processing, VMS offers POS systems, payment terminals, ecommerce gateways, ACH processing, mobile payments, gift and loyalty solutions, business financing, payroll and HR services, ATM services, digital marketing, and website or app development. Availability varies by service and merchant needs.
How can I find out if VMS can save my business money?
Request a free, no-obligation processing statement analysis. VMS can evaluate your current fees, effective rate, transaction profile, and available processing options. Depending on your setup, opportunities may involve processor markup, interchange optimization, pricing structure, or payment technology. Savings are not guaranteed.
You can also explore additional answers on our full Frequently Asked Questions page .
Still have questions about pricing, equipment, or getting started? We're here to help you evaluate your options.
Get My Free Processing Analysis