eCheck/Check 21 Processing

Manage your return rate.

Businesses large and small are utilizing eChecks and Remotely Captured Checks. Our Remotely Captured Check (RCC) solution is a cost-effective way to manage your loan portfolio’s overall return rates and is compliant with the Uniform Commercial Code (UCC), Reg CC, Reg J, and the Check 21 Act.

eCheck/Check 21 Processing

Faster, Simpler, Safer

Enjoy eCheck Consistency

Since checking account numbers change less frequently than credit card numbers, eChecks are more likely to facilitate steady payments.

Manage Your Return Rate

Remain in compliance and keep your lending portfolio’s overall return rate low with payment processing solutions. These are tailored to the unique needs of your business, even with complex compliance needs.

Tag in Our Team of Experts

With Valmar Merchant Services, you will be paired with a Client Success Manager that will guide you through the setup process and continue to be the main point of contact actively invested in your success.

No Business Disruptions

Our seamless integration process ensures that your onboarding process won’t result in any downtime.
No business disruptions

Ready-to-Scale Solutions

Whether you’re just getting started or you’re leading a legacy enterprise, we’re here to help you. Let us assist you with navigating change, scaling your processing services with your business growth, and developing custom solutions for your business's unique needs and regulatory requirements.

Specialized Customer Service

Our experts have certifications in industry-specific verticals such as CBD and hemp, as well as risk and compliance, and in the overall payment space. We’re constantly sharpening our skills.
Specialized Customer Service

Let’s Talk

With multi-industry expertise, you know that we are the right fit for you.

News and Updates

Stay up to date with the latest news and information from Valmar Merchant Services.

How Merchants Can Reduce Chargebacks in 2025 (Free Checklist Included)

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. 

September 9th, 2025

The Top 4 Challenges High-Risk Merchants Face and How to Overcome Them 

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. 

August 13th, 2025

The Best Payment Processor for CBD and Hemp in 2025  

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.

August 25th, 2025
payment processor shutdown

How I Helped Save a CBD eCommerce Business from Payment Processor Shut Down

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!

August 8th, 2023

Top 5 Payment Processor FAQs

July 29th, 2022
PCI DSS Compliance

Securing Transactions: Your Guide to PCI DSS Compliance

With the increasing frequency and sophistication of cyber-attacks, safeguarding customer payment information has become a critical concern. A breach not only jeopardizes customer trust but can also lead to legal consequences and financial losses. PCI Compliance serves as a shield, assuring customers that their data is handled responsibly and securely.

November 7th, 2023
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