Valmar Merchant Services
From retail to services, Valmar provides merchants the stability, transparency, and support they deserve. Smarter processing, real people, and results that stick.
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1-866-825-6271
You don’t need to be a payments expert—you just need a processor that works. Valmar delivers transparent pricing, simple integrations, and real-time insights through our innovative Valmar Gateway. We make setup easy, support consistent, and growth seamless.
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Bank-Direct Advantage • Plug-and-Play Integration • Built-In Fraud Defense
Fast Access. Fair Rates
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 from the start. Enjoy clean PCI compliance and easy POS integrations to start processing payments without delays or red tape.
Start Processing Cards Faster
Lower Costs, Smoother Cash Flow
Skip the credit card fees, improve cash flow, and fund and pull payments directly with ACH. Whether you need standard or same-day originations, Valmar configures ACH to your exact workflow, such as setting your fraud rules, real-time monitoring, and automated batch visibility. Valmar makes it easier, more reliable, and cheaper to move money.
Explore ACH Options
Win Loyalty in Real Time
Send funds in real time—day or night. Valmar’s RTP delivers immediate settlement and live status tracking inside your Valmar Gateway dashboard.
Add Real-Time Payments
Instant Loan Funding
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.
See How Instant Funding Works
More Options for Customers
Ditch the delays of mailed checks while giving your customers another payment option.
Learn About eCheck Solutions
Designed to Say Yes
Dropped, delayed, or overcharged just for operating in a high-risk market? Valmar was built to fix that.
Explore High-Risk Payment Solutions
Tired of being treated like just another ticket number? Valmar gives modern businesses the tools and support they need to scale with confidence. From e-commerce brands and healthcare providers to consultants and SaaS platforms, we help you accept payments quickly and securely without delays, surprises, or support runarounds.
We work directly with banks, eliminate unnecessary layers, and support you with real humans who care about your business. It’s why our merchants stick with us, and why you’ll actually enjoy working with your processor.
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.
Real-time transaction data, batch tracking, and visibility
Accounting-friendly exports and smart reconciliation views
Permissioning and roles that support growing orgs
Trusted Banking for Merchant Processing
Valmar works with a reliable network of bank partners to deliver stable, secure payment processing for today’s merchants. You get dependable uptime, seamless settlement, and room to grow.
Reliable partners. Room to grow. No surprises.
White-Glove Onboarding for Growing Businesses
Don’t waste time chasing approvals or wrangling integrations. We’ll get you up and running quickly with dedicated support from start to finish.
From paperwork to payment-ready—we’ve got you covered.
Transparent Pricing for Scaling Merchants
Our pricing is made for clarity, not confusion. Whether you’re just getting started or scaling up, you’ll know exactly what you’re paying for, with no padded markups or vague explanations.
Know your costs. Grow with confidence.
Customer Service Built for Growth
Whether you need help reconciling a transaction or scaling to new tools, you’ll always reach someone who knows your account and actually picks up the phone.
You focus on growth. We’ll keep the payments flowing.
Cut out middlemen and lower costs with direct-to-bank payment processing.
Valmar puts fraud controls in your hands—custom filters, chargeback tools, and built-in card-brand compliance.
Search, filter, and export every transaction in real time. The Valmar Gateway delivers unmatched clarity and control.
No dev drama. Connect instantly to major commerce platforms with simple, flexible API access.
From retail to SaaS, low-risk businesses trust Valmar to keep payments flowing—clearly, securely, and without surprises.
“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.”
“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.”
“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.”
“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.”
” 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. “
“Their entire team was great from the first phone call!”
“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!”
“Just an absolutely wonderful company to do business with!”
Valmar’s high approval rate and top retention mean more value per lead.
Become a Valmar Referral PartnerFrom CBD and firearms to subscriptions and lending, Valmar supports regulated and emerging industries that others avoid. If any part of your business touches high-risk territory, we’ve got compliant, secure solutions ready to go.
Explore High-Risk ProcessingStories, trends, and answers to help you navigate payments with confidence.
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.
Starting a small business is exciting but it can also feel overwhelming when it comes to marketing. A few smart marketing moves can help you reach customers, build credibility, and boost revenue from the start. Here are some proven tips to get your marketing off the ground.
Starting a small business is exciting but it can also feel overwhelming when it comes to marketing. A few smart marketing moves can help you reach customers, build credibility, and boost revenue from the start. Here are some proven tips to get your marketing off the ground.
Chargebacks can be prevented or greatly reduced. In this article, we’ll break down why chargebacks happen and the practical steps merchants can take to reduce them in 2025.
High-risk merchants face a unique set of challenges – from payment processor instability and elevated chargeback rates to regulatory complexity. These obstacles can hinder growth and create operational uncertainty. Navigating these hurdles requires the right partner.
CBD and hemp merchants are traditionally labeled as “high-risk” leading to difficulties finding a payment processor. That’s why Valmar is considered the best payment processor for CBD and Hemp merchants in 2025.
I was recently contacted by the owner of a CBD eCommerce business. He had been using Square for payment processing since he opened his business and suddenly was told his account was going to be shut down. He needed a new payment processor ASAP to keep his business up and running!
