Secure Payment Processing for High-Risk Businesses
Purpose-built for high-risk businesses, Valmar keeps your payment solutions up and running. Don’t think we’ll work with you? You might be surprised.
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1-866-825-6271
High Risk? High Five.
Your business keeps moving. We make sure your payments do, too. Valmar’s powerful banking network, honest pricing, personalized compliance guidance, and real human support drive the highest retention rate in the industry.
Merchants Like You Trust Valmar
- CBD & Hemp Retailers
- Kratom & Botanical Shops
- Seed Banks
- Smoke & Vape Shops
- Consumer/B2B Lending
- Tribal-Owned Businesses
- Gun & Tactical Gear Retailers
- Telemedicine & Online Pharmacy
- Debt Collection Agencies
- Adult Products
- High-Risk E-commerce
- Subscription Products
- …and more
Don’t see your industry listed? Don’t worry.
Explore Our High-Risk Payment Solutions
Bank-Direct Advantage • Plug-and-Play Integration • Industry-Specific Expertise
Fast Access. Fair Rates.
Credit & Debit Card Processing
Our direct-to-bank relationships remove the layers that slow you down and inflate your rates. Integrated tokenization, gateway vaulting, and dynamic descriptors are all supported out of the box. Plug in instantly to all major processing gateways and start processing payments—without delays or drama.
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Lower Costs, Smoother Transfers
ACH Processing
Skip the credit card fees and start processing payments directly with ACH. Set fraud rules, monitor in real-time, and automate batch visibility—all within the Valmar Gateway. Whether you need standard or same-day originations, Valmar makes it easier, more reliable, and cheaper to move money.
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Win Loyalty in Real-Time
Real-Time Payments
Move money instantly—no waiting, no banking delays. Valmar’s RTP solution supports loan disbursements requiring time-sensitive fulfillment with instant, 24/7 settlement and full visibility in your Valmar Gateway dashboard.
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Instant Loan Funding
Push-to-Card Payouts
Send money straight to your borrowers’ debit cards in seconds. Track payout velocity and receive instant alerts from your Valmar Gateway dashboard. Instant Debit Card Funding helps you deliver fast, secure cash transfers when it matters most—no waiting, no guessing.
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More Options for Customers
eCheck & Check 21 for Lenders
Ditch the delays of mailed checks while giving your customers another payment option.
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Why Valmar?
Built for High-Risk. Designed to Say Yes.
Dropped, delayed, or overcharged just for operating in a high-risk market? Valmar was built to fix that. With roots in online lending, collections, and high-risk merchant services, we know the operational hurdles, regulatory headaches, and funding pressures you face every day.
We work directly with the banks, cut out the middlemen, and pair you with real humans who know your industry. It’s why our clients stick with us—and why you’ll never want to switch.
Total Visibility. Smarter Protection.
Powered by Valmar Gateway
Our innovative Valmar Gateway puts everything you need in one intuitive platform—so you can move faster, stay compliant, and protect every dollar.
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Real-time transaction data, funding status, and batch tracking
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ACH return visibility—before it becomes a problem
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Accounting-friendly exports and detailed historical insights
Specialized Partners. Steady Payments.
Trusted Banking for High-Risk Processing
In high-risk industries, you can’t afford uncertainty. That’s why Valmar partners with banks that specialize in regulated and complex verticals—so your payment processing stays consistent, compliant, and built for growth.
- Long-standing relationships with risk-tolerant institutions
- Purpose-built support for CBD, lending, and more
- Scalable configurations to match your operation
Solid partners. Stable rails. Confidence baked in.
Start Fast. Feel Supported.
White Glove Payment Processing Onboarding for High-Risk Merchants
Getting started shouldn’t mean jumping through hoops. Valmar makes onboarding seamless, so you can get back to business.
- Pre-integrated with all major gateways
- Full-service setup, underwriting & compliance
- Real humans, not call centers
From paperwork to payment-ready—we’ve got you covered.
No Guesswork. No Gotchas.
Transparent Pricing for High-Risk Merchants
You deserve to know exactly what you’re paying for. Valmar’s transparent pricing models make it clear, simple, and fair.
- No hidden fees or surprise markups
- Upfront rates that actually make sense
- Built for merchants who’ve been burned before
What you see is what you pay—and what you get is peace of mind.
Real People, Real Support
Top Notch Customer Service for High-Risk Merchants
Get paired with a dedicated team of experts who know your industry—and actually answer the phone—when you need help with your merchant services or payment processing.
- In-house team trained in risk, compliance & high-risk verticals
- Consistent Client Success Team by your side from setup through scale
- Proactive, personal support that grows with you
The kind of service you'd expect if we were your business partner. Because to us? We are.
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Bank-Direct Advantage
Cut out middlemen and lower costs with direct-to-bank payment processing.
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Fraud Defense, Built In
Valmar puts fraud controls in your hands—custom filters and permissioning and built-in card-brand compliance.
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Merchant Portal Visibility
Search, filter, and export every transaction in real time. The Valmar Gateway delivers unmatched clarity and control.
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Plug-and-Play Integration
No dev drama. Connect instantly to major commerce platforms with simple, flexible API access.
The Highest Retention Rate in the Industry—Here’s Why
From CBD to collections, high-risk merchants choose Valmar—and never look back.
“I started Rochester Roofing in August of 2024 and quickly realized that I needed to be able to accept credit card payments. I was referred to Valmar Merchant Services by a friend, and couldn’t be happier with the service I have received.”
“The implementation was simple and anytime I need assistance, Lena and John are there to help. I would recommend Valmar to anyone in need of merchant services.”
Ron Green
Owner, Rochester Roofing - Rochester, NY
“Really appreciate having the team at Valmar to reach out to for questions or issues. They’re always eager to help. It wasn’t like that for us with our last processor.”
Nino
CEO, Empower Processing
“We couldn’t grow without partners like Valmar that take the stress out of wondering if payment transactions will be processed in a timely manner.”
Ann Gauger
Owner - Caprock Family Hemp Farms, Texas
“Really appreciate having someone to reach out to for questions or issues. They’re always eager to help. It wasn’t like that for us with our last processor.”
Antonio Pecoraro
Owner, Empower Processing - Buffalo, NY
” We couldn’t grow without partners like Valmar that take the stress out of wondering if payment transactions will be processed in a timely manner. “
Ann Gauger
Owner, Caprock Family Farms
“Their entire team was great from the first phone call!”
Daniel Grandfield
Owner - Elysian Pads Real Estate, California
“They are so fast. Peter Notaro moved mountains for us going above and beyond to help us get our store up and running. I would recommend him and his team 100x over. Thank you Peter!”
Jacob Pridy
Owner - GreenHead Botanical Cocktails, Missouri
“Just an absolutely wonderful company to do business with!”
Amber & Collin
Owners, Cascade Processing - Lockport, NY
Refer With Confidence.Earn With Every Yes.
Where Valmar’s high approval rate and top retention mean more value per lead.
Become a Valmar Referral PartnerSimple, Scalable,and Built to Last
From retail and healthcare to SaaS and professional services, Valmar delivers reliable processing, real-time reporting, and standout service—without the surprises. If you need payment solutions you can grow with, we’ve got you covered.
Explore All Merchant ServicesInsights for High-Risk Merchants
Stories, trends, and answers to help you navigate payments with confidence.
Becoming a Referral Partner with Valmar
Discover how becoming a Valmar Referral Partner can unlock a new revenue stream while helping the businesses in your network access reliable, high-quality payment processing, especially in high-risk or specialized industries. Earn competitive commissions, boost your clients’ success, and grow alongside a trusted payments provider.
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