Not one we lead with. We can board this if you want it. It is not one we know inside out, so we would be setting it up rather than advising you on it — and we would tell you that before you signed anything. Talk it through with us.
Terminals · Valor PayTech · via PayCompass
Valor PayTech
Terminals purpose-built around a compliant dual pricing display.
- Retail
- Restaurant
- Professional services
- Automotive
- Any business
An independent assessment. Vigilant can place Valor PayTech, and is paid the same either way — which is why the drawbacks are on this page too.
What it is
Valor's terminals are ordinary good Android devices; what sets the line apart is that dual pricing is designed into the interface rather than bolted on. The home and payment screens show card and cash prices side by side, and the receipt only ever shows a discount for cash — no positive adjustment, no added line at the end.
That detail matters legally and practically. A cash-discount programme presented as a surcharge is the version that generates chargebacks, complaints and — in Florida — a genuinely unsettled legal question. Presented as two displayed prices with a cash discount on the receipt, it is a far more defensible construction.
Reverse Fee Enablement lets the operator key the card price and have the terminal derive the cash price, which is the thing staff actually get wrong on other systems.
Who it fits
Best for
Counter and service businesses running a cash-discount or dual-pricing programme who want the display and receipt to be right.
Probably not ideal for
Anyone wanting a POS. These are terminals, and they are terminals on purpose.
Key capabilities
- Dual pricing display
- Card and cash prices shown clearly on the home and payment screens.
- Receipt handling
- Receipts show a cash discount only — no increases or positive adjustments.
- Reverse Fee Enablement
- Staff key the card price; the terminal derives the cash price.
- Device range
- VL100, VL110, VL500, VP100, VP500, VP550, VP800 and the RCKT.
Strengths and tradeoffs
Strengths
- Dual pricing is the core product rather than a feature, and the compliance handling reflects that.
- A strong merchant and reseller portal — remote terminal management, reporting and updates without a visit.
- A range from the VL100 up to the VP800 Android device, so the hardware can match the counter.
- Clear reporting on exactly what the programme is saving, which makes the decision reviewable rather than a leap of faith.
- Works across multiple acquirers, keeping the processing relationship negotiable.
Tradeoffs
- If dual pricing is not right for your customers, most of the value disappears — this is not a general POS.
- Surcharging and cash-discount rules differ by state and card brand and must be configured exactly right.
- Some customer bases genuinely dislike it, and in a competitive trade that can cost more than the savings.
- No inventory, table service or staff management.
- The portal is powerful but takes a little learning.
Pricing
Terminals bought outright, quoted per device. Dual pricing programmes are configured at boarding.
Pricing reflects what the vendor publishes or what we have seen quoted. Your actual terms depend on volume, card mix and what is negotiated — which is the part we do.
Hardware
- VL100 / VL100 Pro
- VL110
- VL500
- VP100
- VP500
- VP550
- VP800
- RCKT
Specifications
Drawings are schematic — they show the shape and rough proportions of each device, not an exact rendering of one model. Valor PayTech hardware options and pricing depend on the programme, so ask and we will quote it.
Vigilant's assessment
The most thorough dual-pricing implementation we place. The technology is not the risk — the customer reaction is. We will look at your ticket size, your competition and your regulars before recommending it, and sometimes the answer is that it is not worth it.
How it compares
If you are considering dual pricing, these are the three realistic paths, and they differ mainly in how seriously each takes the compliance.
| Criterion | Dejavoo & iPOSpays Terminals + dual pricing | Valor PayTech Dual pricing specialist | SwipeSimple Simple mobile & countertop |
|---|---|---|---|
| Best at | Terminals plus a dual-pricing option | Dual pricing as the main event | Straightforward acceptance |
| Compliance handling | Good | Most thorough | Not applicable |
| Savings reporting | Available | Clear and detailed | No |
| Hardware | Wide range | VL100 to VP800 Android | Reader and countertop |
| Portal | iPOSpays | Strongest of the three | Simple |
| If customers object | Switch the programme off | Switch it off; value drops sharply | Not an issue |
| Pick it when | You want both options open | You are committed to cutting card cost | You want none of this complexity |
Verdict. Committed to dual pricing: Valor. Want the option without building the business around it: Dejavoo. Would rather not have the conversation with customers at all: SwipeSimple and a negotiated rate.
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