How the Valmar Referral Program Works
If you work with business owners every day, you’re sitting on an untapped revenue stream. Bankers, CPAs, consultants, ISOs, agents, SaaS companies, and industry experts all have one thing in common: their clients need reliable payment processing, and most of them are not thrilled with what they have.
The Valmar Referral Partner Program turns those relationships into recurring income. You make the introduction, we handle everything else, and you earn residuals for the lifetime of the referral. No minimum submissions, no sunset clauses, and no cap on what you can earn.
Here’s exactly how the program works, what happens after you refer a merchant, and why partners who start small tend to stick around.
How It Works: 4 Simple Steps
The program is built to be low effort on your end. You don’t need payments expertise, and you don’t need to close anything yourself. Here’s the full lifecycle:
1. Refer merchants. Send us the businesses in your network that need payment processing. That could be a client struggling with a sudden account shutdown, a merchant in a high-risk vertical who keeps getting declined, or a business owner who just wants better pricing and support.
2. Valmar closes the deals. Our team takes it from there. We handle the conversations, the underwriting, and the onboarding. You’ll have visibility into where each referral stands, so you’re never left wondering what happened after the handoff.
3. Merchants start processing. Once approved, your referral goes live and starts accepting payments. We support them from onboarding through live processing, risk mitigation, and beyond.
4. You get paid. Every live merchant generates monthly residuals for you. Not a one-time bounty, but ongoing income for as long as that merchant processes with Valmar.
You make the introduction. We do everything it takes to keep that merchant processing.
Unlimited Earning Potential
Most referral arrangements pay you once. You send a lead, collect a bounty, and that’s the end of it. The Valmar program works differently: every merchant you refer becomes a source of monthly residual income.
Here’s what that means in practice. When your referral goes live and starts processing payments, you earn a share of that activity every single month. Refer one merchant, and you have one stream of recurring income. Refer ten, and you have ten. There’s no cap on how many merchants you can refer and no ceiling on what your portfolio can pay.
The math compounds quickly. Because residuals stack with every live merchant, partners who refer consistently watch their monthly income climb from side-hustle territory into serious revenue. And since there’s no sunset clause, the residuals you build stay yours for the lifetime of each merchant relationship, even if you never refer another business again.
Want to see real numbers? Our referral partner deck breaks down exact monthly residual figures based on live merchant counts and processing volume. Download it here.
Why Merchants Stay (and Why That Matters to You)
As a referral partner, you never have to service the merchants you send us. But you do have a stake in whether they stay, because every live merchant in your portfolio is paying you monthly. The longer they process, the more you earn.
The good news is that this is where Valmar is strongest. We have the highest retention rate in the industry, and it comes down to a few things merchants genuinely care about:
We say yes where others say no. With direct banking relationships, Valmar supports merchants across all sectors, including high-risk and specialized verticals like CBD, lending, telehealth, and firearms. The clients other processors turn away are often the ones who become your most loyal residual streams, because once they find a processor that actually supports them, they don’t leave.
Real support from real humans. Customer service is at the core of what we do. Merchants get fast answers from actual people, not ticket queues, and our risk and compliance teams work to keep them processing instead of freezing them out at the first sign of trouble.
Transparent pricing, no surprises. Merchants leave processors over hidden fees more than almost anything else. Valmar’s pricing is transparent, which removes the most common reason to shop around.
Technology that keeps improving. From fraud mitigation tools to our own proprietary gateway that keeps getting better, merchants get a platform that grows with them instead of one they outgrow.
Every one of these is a retention driver, and every point of retention is money that keeps landing in your account each month.
What You Get as a Partner
Referring merchants is the core of the program, but Valmar backs you up with the tools and support to make every referral count. From day one, partners get:
A dedicated Partner Success Manager. You’ll have a real point of contact from the start, someone who knows your account, answers your questions, and helps you sell, support, and succeed as your portfolio grows.
Full visibility into your referrals. Track every application with live status updates and notes, so you always know exactly where each merchant stands. No chasing anyone down for updates.
Commission transparency. See your commissions and track your lead sources in one place. You’ll never wonder what you’re owed or where it came from.
Selling points your referrals will love. Your merchants get access to Valmar’s full suite of payment solutions, plus a complete hardware lineup, from mobile POS devices to countertop terminals and self-service kiosks. That makes your introduction an easy pitch.
Start Earning from the Relationships You Already Have
You don’t need to learn payments, hire anyone, or change how you work. If you know business owners who need better processing, you have everything the program requires.
Becoming a Valmar Referral Partner is quick and easy. Apply today at vlmr.com/referral-partner/ and start turning introductions into monthly residual income.
Want the full breakdown, including real earning figures? Download the Referral Partner Deck for exact residual numbers by merchant count and processing volume.
Still weighing it? Read more about why partners choose Valmar.
