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From online payments and recurring billing to countertop terminals, mobile readers, and complete POS systems, The Valley List helps you find a payment processing setup that fits your business. We compare suitable options, help with the application and setup, and remain available when you need support.
Online | In person | On the go | Recurring
The right payment setup depends on more than a low advertised rate. Your industry, monthly volume, average ticket, sales channels, software, equipment, processing history, and customer experience all matter.
The Valley List takes a consultative approach. We review your needs and research available processing relationships to help match you with an appropriate merchant account, gateway, software, and hardware solution. Depending on the business, that may include North and its in-house processor EPX, Fiserv (formerly First Data), or another compatible provider.
Once a solution is selected, we help coordinate the application, underwriting, integration, equipment, testing, and launch. You get a knowledgeable point of contact throughout the process instead of being left to sort through providers and technical requirements alone.
Accept payments through your website, hosted checkout, payment links, invoices, or an integrated checkout experience. Available options may include PayBridge, Authorize.net, NMI, EPX, and other compatible platforms, depending on your approved setup.
Choose from countertop terminals, smart terminals, mobile readers, or
complete point of sale systems for retail, restaurant, service, and mobile businesses.
Support modern card-present payments such as EMV chip cards, contactless cards, Apple Pay, and Google Pay when offered by the selected equipment and processor.
Securely enter authorized payments from a computer for phone orders, mail orders, deposits, or remote service transactions.
Set up repeat payments for memberships, subscriptions, retainers, service plans, and other ongoing customer relationships.
Send a professional invoice or secure payment link so customers can pay from their computer or phone.
Offer bank-based payment options when supported by the selected solution.
For qualifying B2B transactions, we can explore Level 2 or Level 3 data options that may improve reporting and interchange qualification.
Instead of forcing every business into the same platform, we look at the full picture and help identify a suitable processing relationship.
If you already accept payments, we can review recent statements to better understand your current rates, fees, equipment, and processing structure.
We coordinate documents, applications, underwriting questions, gateways, integrations, equipment, and testing so the process is easier to manage.
The Valley List is built around responsive customer service. You have a local point of contact who can help direct questions and work with the processing partners supporting your account.
Whether customers pay at a counter, online, by invoice, over the phone, or on a recurring schedule, we build the recommendation around the way your business actually gets paid.
Use the calculator below to estimate how a different processing rate could affect your monthly costs. For a more accurate review, send us recent processing statements and we will evaluate the actual pricing and fees shown on your account.
Quick Savings Estimate
Use the sliders to see how even a modest reduction in processing cost can add up over a year. This is a planning tool, not a rate quote.
Request a Processing ReviewEstimates are illustrative and exclude account fees, transaction fees, chargebacks, and other terms. Actual rates and savings are determined after merchant review and approval.
A 1 percent reduction in processing cost can mean $1,000 saved for every $100,000 processed.
Small rate differences add up quickly when payments are a meaningful part of your monthly revenue.
Calculator results are estimates for illustration only and are not a quote or guarantee of savings. Actual rates, fees, interchange costs, equipment costs, and savings vary by business, transaction mix, card types, processing method, selected provider, and underwriting approval.
We learn how you accept payments today, what is working, what is not, and what you need from your next setup.
When available, recent processing statements help us evaluate pricing, volume, average ticket, chargebacks, and other details. We also review software integrations and hardware needs.
We compare available processors, merchant account structures, gateways, and equipment based on your business and industry.
We help organize the required information and coordinate the application with the selected provider. Qualifying businesses can be approved as soon as the same day or next business day after complete documentation is submitted, subject to underwriting. Timing varies by business, industry, processing history, risk profile, and provider.
We help coordinate gateway credentials, integrations, terminals or POS hardware, payment flows, and testing before launch.
After setup, The Valley List remains available to help with questions and coordinate support when needed.
PayBridge is one available option for businesses that want a simpler way to connect invoicing and payment collection. It can be a strong fit for service businesses, agencies, consultants, contractors, and other organizations that regularly bill customers by invoice.
Give customers a convenient way to review and pay from their computer or phone.
Depending on the approved configuration, PayBridge can support workflows involving platforms such as FreshBooks, QuickBooks, and GoHighLevel.
A more connected invoice and payment workflow can help reduce duplicate entry and make payment tracking easier.
The Valley List can help determine whether PayBridge fits your workflow and assist with onboarding and setup.
PayBridge is not the only option. If your business needs a different gateway, a custom integration, in-person hardware, a POS system, or another processor relationship, we will research those needs as part of the recommendation.
The Valley List works with North and its in-house processor, EPX. North has worked in payments since 1992 and reports processing more than $100 billion annually. EPX supports payment processing and gateway capabilities across online, in-person, mobile, virtual terminal, recurring, and integrated payment environments.
North is an important processing relationship, but our goal is to help place each business with an appropriate solution. Depending on the industry, risk profile, integration, equipment, pricing, and underwriting requirements, the recommended relationship may be EPX, Fiserv (formerly First Data), or another provider. The Valley List | Payment Processing Page Content
Optional trust line Experienced payment technology. Flexible solutions. Personal support from The Valley List.
Payment security should be built into the entire setup. Through North and other available providers, qualifying businesses may have access to PCI-aligned technology and tools such as tokenization, encryption, point to point encryption, real-time fraud monitoring, address and card verification, and chargeback management support.
North states that its platform is PCI DSS 4.0 compliant. The exact security, fraud prevention, and chargeback tools available to a merchant depend on the selected provider, gateway, equipment, integration, and approved program. We will help identify the features that matter for your payment environment.
Use available tokenization and point-to-point encryption tools to reduce the exposure of sensitive card information.
Apply available fraud screening and real-time monitoring tools based on the way your business accepts payments.
Use reporting and chargeback management resources to track and respond to disputes more efficiently.
We can help connect you with the selected provider's PCI resources and requirements.
Countertop terminals, contactless payments, smart terminals, and POS options.
Flexible in-person equipment and payment workflows for customer-facing teams.
Invoices, payment links, deposits, mobile acceptance, and recurring billing.
Virtual terminals, recurring payments, invoicing, ACH, and eligible Level 2 or Level 3 processing options.
Gateways, hosted checkout, website payments, fraud tools, and developer-friendly integrations.
Recurring billing, cards on file, and account updater options when supported.
Portable readers and mobile-friendly payment options for accepting payments away from a fixed location.
PayBridge currently supports FreshBooks, with additional platform connections in progress.
You invoice clients regularly and want a lower-cost payment path without retraining your team.
You like your current business software. You just want more control over the processing behind it.
Your payment volume has increased enough that small rate improvements could create meaningful savings.
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The Valley List team helped my business stand out and grow. Chris Jorvig was patient and understanding. They helped me build a website I feel proud of. I couldn’t recommend them highly enough.
It’s rare to find a team that is not only fast and responsive, but proficient and thorough as well. The team at The Valley List strikes that balance. Throughout our collaboration they have been highly attentive to the fine details that often go overlooked. On top of it all, they are incredibly friendly and easy to work with. Highly recommended web professionals.
I have been very happy with The Valley List’s help regarding our website and IT needs. The team is knowledgeable, dependable, and trustworthy. I will continue to use their services and recommend them to others.
No. The Valley List works with North and EPX and can also research other processing relationships when a different provider is a better fit for the business, industry, software, hardware, or underwriting requirements.
Yes, those gateways may be part of a recommended setup when they are compatible with the selected merchant account, processor, software, and business requirements. We can also evaluate other gateway and integration options.
Yes. Available solutions may include countertop terminals, smart terminals, mobile card readers, and complete POS systems. The right equipment depends on your business type, workflow, connectivity, and selected processing relationship.
Often, yes. We will review the payment capabilities and integrations supported by your website, invoicing platform, CRM, accounting software, or POS. Compatibility depends on the specific platform and approved payment setup.
Qualifying businesses can be approved as soon as the same day or next business day after complete statements and required documentation are submitted, subject to underwriting. Timing varies based on the business, industry, processing history, risk profile, requested products, and selected provider.
Requirements vary, but businesses are commonly asked for ownership and business information, identification, banking details, processing history or recent statements, expected volume, average ticket, products or services sold, website information, and supporting documents requested by underwriting.
Funding schedules vary. Approved merchants may qualify for next business day or same day funding options depending on the processor, batch cutoff time, financial institution, risk review, and approved program terms.
Yes. We can review your current statements, rates, fees, equipment, gateway, contract structure, and workflow, then identify options that may better fit the business.
It may, but savings are not guaranteed. The clearest way to evaluate potential savings is to review recent statements and compare the complete cost structure, including interchange, processor markup, monthly fees, gateway fees, equipment, and other account charges.
Yes. We can help identify available security, fraud prevention, PCI, reporting, and chargeback tools offered by the selected provider. Features vary by platform and approved setup.
The Valley List remains a point of contact after launch. We can help direct service questions, coordinate with processing partners, and assist when changes, equipment, or additional payment capabilities are needed.
Tell us how you accept payments today and what you want to improve. The Valley List will review your needs, research suitable processing options, and help you move from application to setup with a knowledgeable point of contact along the way.
Already processing? Have recent statements ready so we can complete a more detailed review.