Lower your processing costs without guessing.
Send us a recent processing statement and we will show your real effective rate, monthly fees, possible savings, and whether your current setup is already good enough to keep.
No pressure. No vague rate talk. Just a clear side-by-side review from a real person.
Takes about 5 minutes. No obligation. A real statement creates real answers.
Request your free rate review.
Send your info and a real person from Valued Merchant Services will review your rates, fees, equipment setup, and possible savings.
Simple review. Clear answer. No pressure.
The form is first because ad visitors should not have to hunt for the next step. After that, the rest of the page gives them tools, proof, and support details.
Curious what your current processing may really be costing you?
Use this quick calculator to estimate your effective rate and explore possible savings scenarios. Then upload your statement so we can verify the numbers.
This tool is for directional estimates only. Your actual merchant statement is required for a true review.
Option 1: VMS Rate Reduction
This shows a conservative rate-reduction scenario using estimated benchmark pricing and your transaction profile.
Estimated VMS effective rateOption 2: $0 Cost Program
For eligible merchants, a properly structured cash discount or dual pricing program may help offset processing costs.
Estimated VMS effective rateThese are estimates only. Your actual statement gives us the clearest view of your real costs.
Takes about 5 minutes. No obligation. A real statement creates real answers.
Cash discount and dual pricing programs must be set up properly and may be subject to card brand rules, debit card restrictions, business type limitations, and state requirements.
Cost is one part. How your business actually runs day-to-day is the other.
After cost, the next question is support.
This quick video explains how VMS helps businesses beyond rates, including setup, tools, support, and long-term accountability.
This is especially useful if processing fees feel unclear.
You do not need to be ready to switch. You only need a recent statement and a desire to understand what you are paying.
Numbers matter. But what happens after you sign matters more.
Most processors close the deal. Then disappear.
That is why so many business owners are tired of banks, processors, call centers, trouble tickets, and email-only support. VMS was built to feel different before, during, and after the sale.
What many merchants are used to
Too often, payment processing feels personal until the account is signed. Then support gets handed off to systems that do not know your business.
- You call support and get a different person every time.
- You wait on hold just to ask a simple question.
- You submit a ticket and hope someone follows up.
- The person who signed you up is nowhere to be found.
That’s the normal experience in this industry.
That’s exactly what we built VMS to fix.
What VMS means by people before profits
People before profits means we tell you when not to switch.
It is not a slogan. It is how we make decisions when a merchant trusts us with their business.
- We tell you when your current setup is already good.
- We help you keep your existing equipment when it still makes sense.
- You have a real local person who lives and works in your community.
- The person who earns your business remains accountable after the sale.
- You are backed by real people in our US-based offices in WA, ID, and UT.
Real names. Real roles. Real ways to reach us.
These are real people you can call, text, or email directly.
St George, Utah
Idaho Falls, Idaho
Newport, Washington
Newport, Washington
Here is what most business owners actually want to know before switching.
You do not need another payment processing pitch.
You need to know whether the savings are real, whether setup will interrupt your business, whether deposits will be reliable, and whether the person who earned your trust will still answer after the sale.
We make payment processing easier to understand before asking you to change anything.
We start with your statement, equipment, business model, and goals. Then we show what is working, what is costing you, what could be better, and what we would leave alone.
A good review should help you make a clean decision.
Better payment processing starts with one statement.
Three simple steps. Clear numbers. No pressure.
Send your statement
Send a recent merchant processing statement so we can review your actual rates, fees, and monthly costs.
See your options
We show whether VMS can lower costs, improve support, keep your current setup, or offer better tools.
Decide with clarity
You get a people-first recommendation from a real person, even if staying put makes the most sense.
Start with the review. If we cannot improve your rates and fees, ask us about our $500 rate review promise.
All we need is a recent processing statement. We will show whether we can improve your bottom line, improve your support, or whether your current setup is already a good fit. Terms and eligibility apply.
Business owners remember when setup is easy and support actually shows up.
I had a very positive experience with Valued Merchants. Opening up a retail business, I had so much to do. Fortunately, setting up the credit card terminals and merchant account was seamless. It was one less thing I had to worry about.Anthony T.
Spry Cricket, Charlotte, NC
We were locked into a contract with another merchant services company. We reached out to Chris at Valued Merchants. Not only did he help get us out of our contract, but got us a way better deal.Dr. Syd D. Dhillon
Chiropractic, Charlotte, NC
Common questions before sending a statement.
Do I have to switch processors to get the review?
No. The review is meant to help you understand your current costs first. If switching makes sense, we will explain why. If it does not, we will tell you that too.
What do you need from me?
A recent merchant processing statement is best. It lets us review your true effective rate, monthly fees, assessments, markups, equipment charges, and possible savings.
Can I keep my current equipment or POS?
Often, yes. It depends on your current setup, processor compatibility, software, and business needs. We will review what should stay, what could improve, and what should not be touched.
Is the $0 cost option right for every business?
No. Cash discount and dual pricing programs must be structured correctly and may not fit every business type or customer experience. We will explain the rules, limitations, and practical fit before recommending it.
Will this hurt my current account or lock me into anything?
No. Reviewing your statement does not change your current processing account. You decide what to do after seeing the numbers.
More ways VMS can support your business.
Start with your payment processing review. Then, when it makes sense, VMS can also help with payment tools, capital, payroll, HR, websites, apps, financing, and marketing.
Upload your statement. Get clear numbers. Decide without pressure.
Get a free rate review from Valued Merchant Services, backed by local accountability, clear explanations, and real human support.
Recognized for Trust and Performance
Nearly 20 years of doing business the right way, backed by third-party recognition.
