Take payments without the
national-chain stack.
Invoicing, payment links, a virtual terminal, POS, and hardware — a Square replacement built for shops, restaurants, and services in the Rio Grande Valley.
What you get
Everything you need to get paid.
Invoices, payment links, a virtual terminal when they're on the phone, POS when they're at the counter — so you can get paid however your customers want to pay.
White-labeled invoicing
Send invoices under your name and get paid by card or ACH — without chasing paper checks.
Online checkout
A hosted checkout your customers can finish on their phone.
POS
Take payments in person with a counter flow built for local shops.
Virtual terminal
Key in a card from the browser when the customer isn't at the counter — phone orders, quotes, clinic billing.
Payment links
Text or email a link. The customer pays on their phone — no invoice workflow required.
Hardware
Card readers and counter gear when you need to take payments on the floor.
Dashboard
Everything in one place.
See sales, manage locations and terminals, and keep a clear record of every payment — all from one place.
Reports & Analytics
Track sales, monitor payouts, and understand your business trends.
Location Management
Manage multiple storefronts or clinics from a single ValleyPay account.
Terminal Management
Keep track of all your card readers and hardware across your locations.
Audit Logging
Track every action, refund, and user change with complete history trails.
Who it's for
Local businesses that take payments.
If you take cards, send invoices, or check people out at the counter — this is built for you.
Retail & shops
Counter sales, invoices for special orders, and a checkout link when you sell online.
Restaurants & food
In-person payments and a simple way to take cards without a national chain stack.
Local services
Clinics, salons, contractors — invoice a job, take a deposit, get paid.
Us vs. Them
Why choose ValleyPay?
Get all the modern payment tools you expect, without the impersonal support of a massive national chain.
The cost of "flat rate" pricing
Estimated monthly processing fees on $100k volume.
* Example assumes $100,000/mo volume. ValleyPay rates are negotiable and customized based on your actual payment methods, volume, and business type.
Local roots.
Built for local businesses.
ValleyPay is based in McAllen, Texas. We sell payments to the businesses we actually see on the street — not a call center in another time zone.
Questions & Answers
Frequently Asked Questions
Get in touch.
Tell us about your organization. We'll get back to you within 24 hours.