Valor PayTech

What Valor PayTech does

Valor PayTech, founded in 2019 and headquartered in Jericho, New York with an engineering and operations center in Chennai, India, is a privately held payment technology company that provides a unified payment ecosystem spanning e-commerce, in-person, and mobile acceptance channels. Its core platform, the Valor Payment Gateway, is a cloud-based processing backbone supporting multiple currencies, ACH, dual pricing, recurring billing, tokenization, and Level 2/3 transactions, augmented by software modules including ValorPay (mobile POS), Virtual Terminal, The Vault (secure card storage), Valor Shield (fraud controls), Valor Updater (automatic card refresh), FlexFactor (decline recovery), Deferred Auth (offline capture), and Engage My Customer (SMS/email marketing). The hardware portfolio spans 14+ certified (PCI PTS 5.x/6.x) countertop, PIN pad, wireless, next-gen Android, and mobile POS devices, with Remote Key Injection and Remote Diagnostics as differentiating deployment capabilities.

The company monetizes through transaction processing fees, software subscriptions, hardware sales, and dual-pricing/surcharging programs. Distribution is overwhelmingly channel-led: 150+ ISO partners resell to merchants, 30+ certified ISV partners (eHopper, retailcloud, 4LeafLabs, D3 Salon Solutions, LithosPOS, and others) embed Valor as their payments rail, and developer-facing APIs/SDKs (including Passage.JS) enable semi-integration for software platforms and shopping carts (WooCommerce, Magento, BigCommerce, OpenCart, OsCommerce). Customer segments span retail, restaurant/hospitality, B2B/field services, and petroleum/fleet merchants, with primary buyer personas being ISO sales organizations and software vendors rather than direct end-merchants.

In October 2025, Valor secured institutional backing from Lovell Minnick Partners, a financial services-focused private equity firm, marking a transition from founder-led growth to scaled-platform mode. Subsequent 2026 partnerships with LANDI Global (multi-year device alliance) and Visa (Visa Platform Connect integration) signal intent to expand into next-generation Android device development and unattended commerce. Leadership comprises Eric Bernstein (CEO/COO), Daniel O'Connell (CFO), Abubacker (Global CTO), Josh Johnstone (CMO), Gene Schenberg (SVP Sales), Todd Harris (SVP Business Development), and Lori Pagnozzi (VP POS Integrations), supported by a Chennai-based engineering and QA organization.

Name

Valor PayTech

Legal name

Valor PayTech

Website

https://valorpaytech.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Valor PayTech is a US-based payment technology company founded in 2019 that provides a unified payment ecosystem — gateway, mobile POS, virtual terminal, hardware terminals, and software add-ons — distributed primarily through 150+ ISO partners and 30+ certified ISV integrations for SMB merchants.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Payment processing
• Payment gateway
• Point of sale
• Merchant services
• Mobile POS

Headquarters

HQ city

Uniondale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Supply Chain, Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Payment Processing & Transaction Fees: Revenue from processing payment transactions across in-store, mobile, and e-commerce channels with transaction-based fees
2. Subscription & SaaS Fees: Recurring fees from software products including payment gateway subscriptions, Virtual Terminal access, ValorPay mobile app, and cloud-based solutions
3. Hardware Sales: Sales of POS terminals, PIN pads, wireless POS devices, and mobile POS devices including VL100 Pro, VP100, VP350, VL300, VP300, VL110, VP550, VP550E, VP800, and RCKT
4. Dual Pricing & Surcharging Programs: Revenue from Dual Pricing program which displays different cash vs card prices, enabling merchants to maximize profits while offering customer payment choice flexibility

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

Valor PayTech provides a unified payment ecosystem that includes a cloud-based payment gateway, a virtual terminal, a mobile POS application (ValorPay), and recurring billing services, along with a portfolio of PCI-certified POS hardware terminals. Its platform supports e-commerce, in-person, and mobile payment acceptance through APIs, SDKs, and integrations with shopping carts and ISV software platforms, and is distributed primarily through a 150+ ISO partner network.

Product overview

Valor PayTech offers a unified payment ecosystem encompassing a core payment gateway platform, a suite of software add-on modules, and a comprehensive range of POS hardware devices. The platform is architected as a modular payment ecosystem where the Valor Payment Gateway serves as the core backbone, supported by software products including ValorPay (mobile POS app), Virtual Terminal, Dual Pricing, The Vault (secure payment storage), Valor Shield (fraud protection), Valor Updater (card data auto-update), and Engage My Customer (marketing automation). Hardware spans countertop POS terminals (VL100 Pro, VP100, VP550C, VP350), PIN pads (VL300, VP300, VP300 Pro), wireless POS (VL110), Next-Gen Android POS devices (VL550, VP550, VP550E, VP800), and the RCKT mobile card reader. The platform is designed for ISOs, ISVs, developers, and merchants across retail, restaurant, B2B, field services, and hospitality industries, with cloud-based management, Remote Key Injection, Remote Diagnostics, FlexFactor decline recovery, and Deferred Auth offline payment capabilities completing the ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• ValorPay: Mobile POS app that puts the power of POS in your pocket, enabling payments smarter, faster, and hassle-free on iOS and Android.
• Valor Shield
• Engage My Customer
• Valor Updater
• The Vault
• Valor Connect
• FlexFactor
• Deferred Auth

Products and services

• Valor Payment Gateway A cloud-based payment gateway that processes secure card and ACH transactions across e-commerce, in-person, and mobile environments for merchants. Supports multiple currencies, dual pricing, recurring billing, tokenization, batch processing, and Level 2/3 transactions.
• ValorPay Mobile POS App A mobile point-of-sale application for iOS and Android that turns a phone or paired device into a payment terminal. Accepts tap, dip, swipe, and card scanning; supports QR codes, PayNow links, SMS/email invoicing, and digital signature capture for small and mobile merchants.
• Virtual Terminal An all-in-one web-based terminal that lets merchants accept card payments over the phone or internet without additional hardware. Includes E-Invoice, Valor Connect, QR payments, menu and inventory management, and Engage My Customer integration.
• Dual Pricing A transparent pricing program that displays both cash and card prices from shelf through checkout so customers can choose their payment method while merchants maximize profits through flexible pricing strategies.
• The Vault A secure repository that stores tokenized customer payment information using advanced encryption and data-leakage prevention for recurring payments and faster repeat checkouts.
• Valor Shield A fraud-protection solution that helps merchants prevent card phishing, unauthorized international transactions, and chargebacks with customizable transaction limits and real-time monitoring alerts.
• Valor Updater An automatic card-data updater that keeps stored customer payment card information current, reducing declines from expired cards and improving authorization rates for recurring payments.
• Engage My Customer A customer engagement and marketing tool that enables merchants to identify customers, track visits, analyze shopping patterns, and run personalized SMS/email campaigns, surveys, and digital-receipt promotions.
• VL100 Pro Countertop POS An economical PCI PTS 6.x-certified countertop POS terminal with 3.5-inch touchscreen, integrated keypad, EMV dip/tap/swipe and EBT support, Wi-Fi and Ethernet connectivity for small and mid-size merchants.
• VP100 Countertop POS A countertop POS terminal with 3.5-inch touchscreen, dual-MID processing, auto-connection failback, digital signature capture, and SMS/email receipts for retail and restaurant merchants.
• VP550C Android Countertop POS An Android 12 countertop POS with 5-inch touchscreen, 8GB flash, PCI PTS 6.x certification, menu and inventory management, Dual Pricing and Engage My Customer support for high-demand environments.
• VP350 Android PIN Pad A compact Android 12 PIN pad with 5-inch touchscreen, NFC, EMV chip and QR code payment support, and PCI PTS 6.x certification for retail and restaurant checkout lanes.
• VL300 PIN Pad A standalone PCI PTS 6.x PIN pad with LCD display, integrated customer feedback rating system, and RS232/USB connectivity for secure PIN entry at checkout.
• VP300 PIN Pad

Quantifiable outcome

• Reduced card declines through automatic card data updates with Valor Updater
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature16 records

Partnerships

Six partnerships are on record, tiered core.

• LANDI GlobalcoreStrategic or Co-development Partner · 30 June 2026Multi-year strategic alliance to bring LANDI's Android-based payment and POS devices to Valor's U.S. platform ecosystem. The partnership combines LANDI's global manufacturing scale and device engineering expertise with Valor's platform vision and distribution network, establishing a foundation for joint next-generation device development across merchant environments and vertical markets. Specific device launches will follow engineering collaboration and certification milestones later in 2026.
• Visa (Platform Connect)coreTechnology or Integration · 8 June 2026Integration with Visa Platform Connect (VPC) enabling Valor's terminal ecosystem to access Visa's global payment infrastructure across in-store, mobile, and unattended commerce environments. Supports digital wallet enablement, tokenization, real-time payment processing, and enhanced security frameworks. Partnership aims to simplify connectivity, reduce integration complexity, and support deployment of new payment capabilities through streamlined integration model.
• eHoppercoreTechnology or Integration · 3 December 2025Launched unified point-of-sale and payments platform through direct integration with Valor PayTech, supporting over 20,000 merchants nationwide. The new platform combines POS software, Valor's smart payment devices, and secure processing to streamline operations for small businesses.
• 4LeafLabscoreTechnology or Integration · 26 September 2025Partnership to deliver affordable, advanced POS solutions to small businesses nationwide through Valor's ISO network. Provides access to POS Lite, Kitchen Display Systems, online ordering, and self-service kiosks without heavy upfront costs, described as a game-changer enabling small businesses to access technology previously reserved for large enterprises.
• retailcloudcoreTechnology or Integration · 15 July 2025Strategic partnership to deliver pre-integrated point-of-sale solution combining retailcloud's 6IX software platform with Valor's VP800 smart payment terminal. The joint offering provides retailers with plug-and-play experience reducing onboarding time and eliminating common setup challenges, supporting all major payment types including tap, insert, swipe, and QR code.
• TSYScoreTechnology or IntegrationTSYS Gen2 Authentication integrated into Valor's payment ecosystem providing advanced security framework for transaction verification and fraud protection.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Block (Square): Block's Square business directly competes with Valor in SMB card-present payments, mobile POS hardware (Square Reader, Square Terminal), payment gateway, and ISO/ISV-style developer integrations, operating a near-identical unified software-plus-hardware SaaS-plus-fee model.
• Clover (Fiserv): Fiserv's Clover is a direct competitor offering Clover-branded countertop and mobile POS hardware, an app marketplace for ISVs, and full payment processing services — the same modular software-on-hardware-plus-ISO model Valor targets.
• Toast: Toast provides an integrated restaurant POS plus payments platform with proprietary hardware, which overlaps directly with Valor's restaurant/hospitality vertical, ValorPay mobile POS, and TSYS-backed processing.
• Stripe: Stripe competes head-on with Valor's online/e-commerce gateway, developer APIs (Passage.JS-like tokenization), recurring billing, and ISV-style embedded payments offerings for software platforms and marketplaces.
• Verifone: Verifone is a comparable POS hardware manufacturer and payment-acceptance platform provider (countertop, wireless, unattended terminals) selling into the same ISO and merchant channels Valor serves via its 14+ device lineup.
• Ingenico (Worldline): Ingenico/Worldline offers an overlapping portfolio of PCI-certified payment terminals (countertop, mobile, unattended) and payment-acceptance software used by ISVs and merchants — directly comparable to Valor's hardware-plus-gateway stack.
• PAX Global Technology: PAX is a leading global manufacturer of Android-based POS terminals (A920, A80, etc.) with a comparable device roadmap (Android smart POS) and ISO distribution that mirrors Valor's LANDI partnership direction.
• Stax (by Fattmerchant): Stax is a payment-facilitator-style subscription pricing platform targeting SMBs and ISOs/ISVs with transparent pricing (no dual-pricing but flat subscription) — directly comparable to Valor's transparent-pricing, ISO-led GTM.

Broad incumbents

• PayPal (Braintree, Zettle): PayPal/Zettle is a broad incumbent offering SMB POS hardware (Zettle), online payment gateway, and embedded payment APIs, overlapping with Valor across nearly every product line as part of a much larger global portfolio.
• FIS / Worldpay: Worldpay (FIS) operates as a broad payment-processing incumbent that competes with Valor on backend acquiring, gateway services, and ISO/partner programs for SMBs and ISVs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/valorpaytech
• YouTubeyoutube.com/channel/UCGhaaKAxffr_57eXAO-E2og
• Facebookfacebook.com/ValorPayTech
• LinkedInlinkedin.com/company/valor-paytech
• Instagraminstagram.com/valorpaytech

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Valor PayTech