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6400 Sheridan Drive

Suite 120

Buffalo, NY 14221

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Buffalo & Western New York

Buffalo payment processing, backed by a local team

Reliable payment processing. Transparent pricing. Real support right here in Buffalo.

Your business depends on getting paid. You shouldn't have to worry about surprise fees, unreliable technology, frozen funds, or getting passed around a call center when something goes wrong.

Whether your payments are simple, high-risk, or highly complex, we'll help build a solution that fits.

Talk to a local expert

Already processing? Send a statement — we'll review pricing, technology, and reliability.

Free payment review
Let's talk about your payments
No sales pitch — just a straightforward look at your current setup.
Registered ISO/MSP NACHA Member ETA Member OLA Member A+ BBB Accredited

Actually here

Payment processing from a Buffalo company that's actually here

There are thousands of companies that can process a credit card. Far fewer will know your name.

Valmar is a local Buffalo payment processing company — when you work with us, you're not sending your business to a faceless provider hundreds of miles away.

Talk to a local payment expert

A team you can actually talk to

Not a queue. Not a ticket number. People who know your account.

A team that understands WNY business

Retail, restaurants, services, ecommerce — across Western New York.

A team that will be here when you need help

Local business. Local support. Better payments.

The people behind it

Real people, a few miles away

When something goes wrong with your payments, you're not opening a ticket in a queue. You're calling someone whose kids go to school in the same district as yours.

The Valmar team in Buffalo
Valmar at a Buffalo business event
Bryan and Joe of Valmar Merchant Services
The Valmar team in Western New York

Based in Buffalo. Serving merchants across Western New York.

Built around your business

Payment processing built around your business

A neighborhood retailer has different needs than a restaurant. An ecommerce company has different challenges than a professional service business.

That's why we don't force every Buffalo business into the same payment system. We help you find the right combination of processing, technology, banking relationships, and support for the way you actually operate.

Credit and debit card processing
In-store payments
Online and ecommerce payments
Mobile payments
Payment gateways
POS integrations
Recurring and subscription payments
ACH and alternative payments
High-risk merchant accounts
Complex payment environments
Fraud and chargeback management
Multi-location businesses

Tell us how you accept payments. We'll help you find a better way to do it.

Merchant story
Alyssa Russilio inside ROAM Children's Boutique Watch ROAM's full story
Customer story video · 2 min
How ROAM Children's Boutique grows with the right support
ROAM is a local children's boutique in Lancaster that uses Valmar to power its payments.
Behind every great in-store experience is operational work: managing inventory, keeping checkout smooth, handling busy weekends. With dependable payment tools and responsive support, ROAM stays focused on customers instead of the register.
We've had such an incredible experience with Valmar when it comes to accepting payments.
Alyssa Russilio
Owner, ROAM Children's Boutique · Buffalo, NY
Read the full story
Where experience matters
High-risk or complex? That's where experience matters.
Some businesses can sign up for a basic processor and be accepting payments the same afternoon. Others can't.
If you operate in a regulated, high-risk, high-volume, subscription-based, or otherwise complex environment, choosing the wrong processor can create serious problems.
Valmar specializes in helping businesses that don't always fit neatly into the box.
Underwriting and banking relationships
We work to understand complexity upfront instead of hiding it — so your account is placed where it can stay.
Risk, chargebacks, integrations
The realities of keeping a complex merchant account running, handled by people who've done it.
Fewer surprises down the road
A payment solution designed around your actual business means a more stable foundation.
Been declined or dropped by another processor?
Talk to us before assuming you're out of options.
Let's talk about your business
Stable, secure, evolving
Stability you can build a business around
It's about staying operational
When your processing goes down, your ability to do business can go down with it.
We focus on stable, secure payment environments designed for the long term — starting with understanding your business before placing your account.
Secure without sacrificing simplicity
Payment technology should make running your business easier — not create another problem to manage.
From the terminal on your counter to the checkout on your website, we build for security, reliability, and ease of use.
Technology that keeps getting better
Payment technology moves fast. Your processor should keep up.
Better hardware, smarter integrations, improved reporting, stronger security — so our merchants aren't stuck using yesterday's tools.
No games
Transparent pricing. No games.
Payment processing statements shouldn't require a finance degree to understand. You should know what you're paying for.
We take a transparent approach to pricing so you can understand your processing costs, identify unnecessary expenses, and make an informed decision about what's best for your business.
Already have a processor?
Send us your current statement. We'll help you understand:
What you're currently paying
Where those costs are coming from
Whether your pricing is competitive
Whether your current technology still fits
Where there may be opportunities to improve
No confusing sales pitch. Just a straightforward conversation about your payments.
Request my free payment review
Seven reasons
Why Buffalo businesses choose Valmar
Local Buffalo team
Work with payment experts based right here in Western New York — not another national call center.
Stable processing
Payment solutions designed with long-term reliability in mind, including more complicated requirements.
High-risk & complex expertise
If other processors struggle to understand your business, there's a good chance we can help.
Transparent pricing
Understand what you're paying and why you're paying it, without unnecessary surprises.
Secure payment technology
Modern payment solutions designed to keep transactions secure and your business moving.
Technology that evolves
We continually evaluate new payment technology, integrations, and tools to give merchants better ways to accept payments.
Real customer support
When you need help, talk to knowledgeable people who care about resolving the problem.
Big payment technology. Buffalo-level service.
You shouldn't have to choose between powerful payment technology and personal service. With Valmar, you get both — from straightforward retail processing to complicated high-risk merchant accounts.
FAQ
Frequently asked questions
Is Valmar actually located in Buffalo?
Yes. Valmar is a local Buffalo-area payment processing company serving businesses in Western New York and beyond. You get the capabilities of a sophisticated payment provider with the accessibility and service of a local team.
What types of Buffalo businesses does Valmar work with?
We work with businesses across a wide range of industries and payment environments — from straightforward retail and service businesses to ecommerce, recurring-payment, high-risk, regulated, and complex merchants.
Can you help if my business is considered high-risk?
High-risk and complex payment processing is one of Valmar's areas of expertise. We understand that businesses rejected by mainstream processors may still be legitimate, successful businesses that simply require the right underwriting and banking relationships.
Approval is never something a responsible processor should blindly guarantee, but we'll take the time to understand your business and determine what options are available.
Can Valmar review my current processing rates?
Yes. If you're already accepting cards, we can review your existing processing statement and help you better understand your current pricing and payment setup.
Can you help if I've been dropped by another payment processor?
If you've experienced account termination, processing restrictions, or difficulty getting approved, talk to us. We'll learn more about your business and determine what processing options may be available.
Do I need to be a high-risk business to work with Valmar?
Not at all. We support businesses with straightforward payment needs as well as merchants with more complicated processing environments.
What payment technology does Valmar offer?
Solutions vary based on your business and may include in-person payment technology, ecommerce gateways, integrations, recurring payments, reporting tools, and other payment solutions. Rather than pushing one system on every merchant, we'll help determine what makes sense for your operation.
Why should I use a local Buffalo payment processor?
Payment processing is easy to ignore until something goes wrong. Working with a local provider means having an accessible team that understands your business and can help when you need it — not simply a support ticket sent into a national queue.
Secure. Stable. Transparent. Local.
Buffalo businesses deserve better payment processing
Whether you want to lower unnecessary processing costs, upgrade outdated technology, improve your support, or find a processor capable of handling a complex business — start with a conversation. We're local. We're here. And we'd like to earn your business.

Get in Touch

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