Frequently Asked Questions

How do I pay less for purchases?

Just select Valsto as your payment method or click the Valsto Payment button during checkout at online merchants. All Valsto merchants offer different discounts that vary from 5 to 45 percent and can change at any time. All discounts are applied at checkout.

How do I earn money with vGift payments?

Valsto members receive vGift payments from merchants when they launch their advertising campaigns. At that time you will receive a mobile notification which will ask you if you want to get paid for your time and attention watching an Ad and visiting the merchant.

When you receive a vGift payment notification you can:

  • Accept the payment to watch the Ad and visit the merchant right away.
  • Reject the payment. In this case you won't be able to claim the payment at a later time.
  • Do nothing and claim the payment later on.

Valsto advertising campaigns can last hours or days depending on how fast members claim their vGift payments. If you haven't claimed your vGift payment by the time the campaign ends, you won't be able to claim the payment afterward.

What is the difference between Member and Merchant accounts?

Member accounts are recommended for individuals who want to pay less when they shop online, or wish to get paid for their time and attention watching Ads and visiting merchants. Members can also send or receive personal payments for shared expenses such as splitting of bills or rental charges.

Merchant accounts are recommended for merchants who operate under a company/group name. It allows merchants to connect with customers in real time, promote products at low cost, convert more sales without hurting their profit margins and receive payment transactions that are guaranteed against fraud-based chargebacks.

How do I link a bank account to my Valsto account?

You can link up to 5 bank accounts to your Valsto account to send money or pay for things. Here's how to link a bank account to your Valsto account:

  1. Click the gear icon at the top of the page.
  2. Click on Funding Accounts and then on Add Bank
  3. Select Checking or Savings.
  4. Enter the bank's routing number and your account number, then click Save.
  5. You will be prompted to agree with our bank account certification process and fee. Basically we'll make 2 debits to your bank account for a total combined amount that is equal to our bank account certification fee. You will see those amounts on your bank account statement after 3-5 days. At that time we will notify you via email or Valsto mobile application "vApp" from where you must enter those 2 amounts. You can also check the pending actions screen in your vApp to see if the transactions have already been processed and we are waiting for your response.
I forgot my password. How do I reset it?

If you've forgotten your Valsto password but you remember your email address, follow these steps to regain access to your account:

  1. Go to our Log In page.
  2. Click on Forgot your Password?
  3. Enter the email address you use for Valsto and click Next.
  4. The system will confirm that a password recovery email was sent.
  5. Follow the instructions in the email.
How do I view or edit my personal information?

Here's how you can view or edit your personal info:

  1. Click the gear icon at the top of the page.
  2. Click on Personal Profile.
  3. Look for the Personal Information section and then click on Edit.
  4. Update your personal info and click Save.

You can update the name on your account if it's misspelled or if you've legally changed your name. However, you should not change the name on your account to another person's name.

Account Types

What is the difference between Member and Merchant accounts?

Member accounts are recommended for individuals who want to pay less when they shop online, or wish to get paid for their time and attention watching Ads and visiting merchants. Members can also send or receive personal payments for shared expenses such as splitting of bills or rental charges.

Merchant accounts are recommended for merchants who operate under a company/group name. It allows merchants to connect with customers in real time, promote products at low cost, convert more sales without hurting their profit margins and receive payment transactions that are guaranteed against fraud-based chargebacks.

Fees

What are the member account fees?

Opening an account:

Valsto does not charge a fee to open a Valsto account.

Sending money - Personal payments:

There are no fees within the U.S. to send money to individuals when you use your Valsto balance or bank account.

Receiving money - Personal payments:

It's free to receive money from individuals in the U.S. when they send the money from the Valsto website using their Valsto balance or their bank account.

Goods and services - Purchase payments:

There's no fee to use Valsto to purchase goods or services.

Withdrawing money:

You can withdraw money from your Valsto account to your bank account at no cost.

Certifying bank account:

There is a $2.75 USD fee for certifying each bank account that you link to your Valsto account.

Certifying credit card:

There is a $3.75 USD fee for certifying each credit card that you link to your Valsto account.

What are the merchant account fees?

Opening an account:

Valsto does not charge a fee to open a Valsto account.

Selling with Valsto:

If you receive money for goods or services, the fee for each sale is 2.75% plus $0.25 USD.

Withdrawing money:

You can withdraw money from your Valsto account to your bank account at no cost.

Sending money - Personal payments:

There are no fees within the U.S. to send money to someone when you use your Valsto balance or bank account.

Receiving money - Personal payments:

It's free to receive money from someone in the U.S. when they send the money from the Valsto website using their Valsto balance or their bank account.

Sending vAds payments:

There is a $0.10 USD fee for each payment accepted by our members when you run your advertising campaigns.

Verifying bank account:

There is a $2.75 USD fee for verifying each bank account that you link to your Valsto account.

How Valsto works

What members can do with Valsto?

With Valsto you can:

  1. Earn money for your time and attention to messages from merchants.
  2. Pay less by receiving an additional discount on all your online purchases.
  3. Avoid being victim of online fraud using our advanced anti-fraud technology.
  4. Send and receive money online without sharing your financial information.
What merchants can do with Valsto?

With Valsto you can:

  1. Promote your products and services to real customers in real time at a very low price.
  2. Increase your web traffic with the guarantee of receiving visitors for every dollar spent.
  3. Enhance the spending power of your buyers.
  4. Convert more sales by providing additional discounts on purchases without hurting your profit margins.
  5. Avoid chargebacks with the guarantee of no payment fraud up to $500 per unauthorized transaction.
I don't have a Valsto account. Why did I get an email from Valsto that I received a payment?

Valsto is an account-based system that allows affiliates to send online payments to anyone with an email address.

If you received a payment notification from Valsto, someone may have sent a payment to you. If you don't have a Valsto account, you must create one in order to receive the payment.

What is Valsto's Privacy Policy?

Valsto is an account-based system that allows affiliates to send online Valsto's Privacy Policy describes Valsto's information collection practices, and how we use, store, disclose and protect that information. The Privacy Policy applies to the Valsto website and all related sites, applications, services and tools regardless of the device or method you use to access those platforms.

Security & Protections

Does Valsto cover my purchase if there's a problem?

When members pay with Valsto on any website and their item doesn't arrive or is significantly not as described, they must contact the merchant to get a full refund.

The easiest way to settle this kind of problem is for members to connect with merchants and work together to solve it. All Valsto merchants have a Customer Service department to help buyers with complaints and returns. Different merchants may have different returns and complaints management policies. We strongly recommend members to contact merchants directly before contacting us for help.

In the unlikely event where members and merchants can't come to an agreement, we can help them arrive at a solution.

Members can contact us in the following cases:

  • They made a purchase from a Valsto merchant but haven't received the item or it was different than described or damaged and the merchant is uncooperative or nonresponsive.
  • They want to report an unauthorized purchase.

Members have 180 days from the payment date to open a dispute.

How are chargebacks reported?

Valsto does not initiate or handle chargebacks - the member's credit card issuer does. So that process follows the issuer's policies. The four common types of chargebacks are:

  • FBNA: The member says that he/she didn't authorize a purchase through Valsto.
  • CSNR: The member says that he/she has not received their purchase.
  • CSRE: The member says that they returned the merchandise, or that the merchant agreed to issue a refund on an order.
  • CSDD: The member says that their purchase was defective, damaged, or not received as advertised.

Valsto will help the card issuer judge the validity of a chargeback when the member claims a FBNA chargeback. On all other cases, judging the validity of a chargeback is the responsibility of the card issuer and our role is simply to collect information about the transaction and help merchants work with the card company to resolve the chargeback.

Here's a quick overview of the chargeback process:

  • The member requests a chargeback from their credit card company.
  • The credit card company notifies our merchant bank and withdraws the funds from Valsto.
  • We place a hold on the merchant's funds related to the chargeback.
  • We notify member and merchant via email and request information that could help to dispute the chargeback.
  • We may ask merchants to provide the information needed to help them resolve the chargeback.
What is the Valsto non-fraudulent purchase guarantee?

Valsto payment protects merchants against any unauthorized purchase chargeback or bank reversal a member files in relation to a particular transaction up to $500 USD even if the merchant loses the chargeback or reversal. Only fraud-based chargebacks or reversals are guaranteed. There is no guarantee on customer-service chargebacks or bank reversals.

Fraud-based chargebacks or bank reversals are those were the member claims that:

  • He/she didn't authorize the purchase.

Customer-service chargebacks or bank reversals are those were the member claims that:

  • He/she has not received their purchase.
  • He/she returned the merchandise, or that the merchant agreed to issue a refund.
  • Their purchase was defective, damaged, or not received as advertised.

Chargebacks and bank reversals are usually filed within 180 days of the transaction, but can be filed beyond this timeframe as well. Therefore, we suggest merchants retain their shipment information (including proof of shipment and online shipment tracking information) for a minimum of 180 days or longer.

Sign Up

I did not receive my email address confirmation - what should I do?

If you have not received the Valsto message to confirm your email address, please check your spam or junk mail folder. You may also try adding service@valsto.com to your address book to see if you can find the confirmation email.

If you still don't see the email, or do not confirm your email address within 24 hours after we send the first email, then we will send a second confirmation email. If for any reason you do not confirm your email address within 8 hours after we send the second email, then we will send a third confirmation email. If for any reason you do not confirm your email address within 8 hours after we send the third email, then we will send a fourth confirmation email. Finally, if for any reason you do not confirm your email address within 8 hours after we sent the fourth email, then your account will be locked until you find one of those emails and confirm your email address.

What information is required to open a member account?

To open a member account, you need to provide your first and last name, date of birth, sex and email address.

After you sign up for a member account, you can start receiving money right away. If you'd like to send money or pay for purchases online, simply add a payment method, like a bank account, credit or debit card. You must install the Valsto mobile application "vApp" in your mobile phone before adding a payment method to your Valsto account

What information is required to open a merchant account?

Visit our merchant sign up page.

Pay less for purchases

How do I pay less for purchases?

Just select Valsto as your payment method or click the Valsto Payment button during checkout at online merchants. All Valsto merchants offer different discounts that vary from 5 to 45 percent and can change at any time. All discounts are applied at checkout.

Am I going to get a discount on my purchases all the time?

Yes, you will receive a discount on your purchases all the time every time you use Valsto to pay for them.

Will the online store where I make most of my purchases accept Valsto payments?

Most probably yes, the bigger the network, the more value affiliates derive from it. We're growing fast and want to affiliate most of the online stores that offer products and services in the US. Please feel free to contact us with the name of such store using the Ask Us a Question form.

Making a payment

How will my payments be funded?

When you pay for something, you need to select the payment method or combination of payment methods that you want to use to cover the payment. You can choose any of the payment methods linked to your account or a combination of your Valsto balance plus a bank account or a credit card.

What do I need to make a payment?

Here's what you need to do to make a payment with your member account:

  • Sign up for a Valsto member account.
  • Confirm your email address.
  • Install the vApp in your mobile device.
  • Link a bank account, credit or debit card to your Valsto account.
Can I cancel a Valsto payment?

If the payment is completed, you will not be able to cancel the payment, as the recipient will already have received the money. To reverse a completed payment, please contact the recipient and request a refund.

Payment methods

What is Instant Payment Notification (IPN)?

Instant Payment Notification is a message service that notifies you about updates to your Valsto transactions. You can use it to automate administrative functions, such as fulfilling orders, tracking shipments, and providing status updates.

Instant Payment Notification is automatically included with Valsto Payment services.

Payment tracking

How do I check the status of a transaction?

Here's how to check the status of a transaction:

  • On the Overview page you'll find your most recent account activity.
  • Click a transaction to view all of the details of that transaction including its status.
  • To view all of your transactions, go to the Activity page.
How do I find a monthly statement of my account activity?

Here's how you can find a monthly statement of your account activity:

  • Go to the Activity.
  • Click on the Statements link.
  • Click a statement to view or save (PDF).
  • Your most recent monthly statement is ready after the 10th of the current month and is available for three years. The statement includes all Valsto transactions and starting and ending balances.
Why can't I make or send a payment?

If you receive an error message when trying to send a payment, it could be because:

  • You may need to confirm the email address associated with your Valsto account.
  • There may be an issue with the funding source you've selected (insufficient balance or declined transaction). Contact your bank or card issuer for more information.
  • You don't have an active Valsto mobile application "vApp" in your mobile phone.
  • You may need to confirm your shipping address.
  • If your bank account, credit or debit card doesn't go through, try to change your payment method at checkout.
How do I request a refund?

You can request a refund of a completed payment by sending the merchant an email. Ask the merchant to go to the Activity page, select your transaction and click on Issue Refund. You can request a refund up to 60 days after you pay for your item.

Here's how to find the merchant's contact information to request a refund:

  • On the Activity page select the transaction you want to cancel.
  • Use the contact information to send the merchant an email.

If you sent the payment using a debit or credit card, bank account or Valsto balance, the refund will credit to your Valsto balance within 3-5 business days.

Receive money

How do I request money?

Here's how you can ask someone to send you money:

  1. Click Money at the top of the page.
  2. Click Request.
  3. Enter the required information and click Request Money.
  4. Review and confirm the information on the screen and click Submit.
Can I request money from someone who does not have a Valsto account?

Yes. Recipients receive an email notification prompting them to sign up for an account.

Can I receive money without linking a bank account or credit card to my member account?

Yes, you can receive money in your member account without having linked any funding account. However, you need to link at least one payment method to your Valsto account in order to send or withdraw money.

How do I get paid?

To get paid, someone must send a payment to your email address. We'll send you an email to let you know you have received a payment. Just log in to your account and click Activity at the top of the page to view the details of your payment.

As soon as you receive the payment, it goes into your Valsto balance. When you have a Valsto balance, you can either use those funds to send a payment or you can withdraw the funds.

Refunds

Where is my refund?

You can view the status of your refund in your Activity page.

Here's how to view the latest status:

  • Click Activity at the top of the page.
  • Click on the Refunds links.
  • Select the desired date range to see your refund.
  • Click the refunded transaction to view the details.
How is a refund credited?

If you paid with a credit card, bank account or your Valsto balance, the money is refunded to your Valsto account. After you have received the refund, you can withdraw money from your Valsto balance to your bank account.

Earn money with vGifts

How do I earn money with vGift payments?

Valsto members receive vGift payments from merchants when they launch their advertising campaigns. At that time you will receive a mobile notification which will ask you if you want to get paid for your time and attention watching an Ad and visiting the merchant.

When you receive a vGift payment notification you can:

  • Accept the payment to watch the Ad and visit the merchant right away.
  • Reject the payment. In this case you won't be able to claim the payment at a later time.
  • Do nothing and claim the payment later on.

Valsto advertising campaigns can last hours or days depending on how fast members claim their vGift payments. If you haven't claimed your vGift payment by the time the campaign ends, you won't be able to claim the payment afterward.

Can I receive vGift payments if I don't have the Valsto mobile app?

Yes, you can receive, accept and reject vGift payments using a web browser. Just log in to your account and check the overview or activity page to see if you have any pending vGift payment from merchants.

Can I receive vGift payments without linking a bank account or credit card to my account?

Yes, you can receive vGift payments in your member account without having linked any funding account. However, you need to link at least one payment method to your Valsto account in order to send or withdraw money from your account.

Can I receive vGift payment notifications via email?

No, vGift payment notifications are sent to your Valsto mobile application, but if you haven't install the vApp yet, you can log in to your account via a web browser and check the overview or activity page to see if you have any pending vGift payment from merchants.

Can merchants contact me directly?

No, merchants cannot contact you directly. When they launch their advertising campaigns our system selects the audience they want to reach and sends the vGift payments. If you accept the vGift, you should watch the ad and visit their website in order to get paid, however all this is done without giving merchants your info. The certification status of your member account tells us whether you are a real person or not, that's all merchants need to know about you when they run their vAds campaign.

How does Valsto protect my privacy?

Protecting your privacy is part of our business. We ask merchants to pay for reaching you with their messages, but without revealing your identity. So we will never share, trade, sell, deliver, reveal or market your personal information.

Add or withdraw money

Will Valsto have the ability to withdraw funds from my bank account without my permission?

No. Valsto only withdraws or adds funds with your permission.

What should I do if my balance is negative?

When your Valsto balance is negative, we suggest that you review your recent activity to find out why. If your account balance is negative because of insufficient funds, please resolve it by adding funds to your account as soon as possible.

How long does it take to transfer money from a U.S. bank account to my Valsto account?

It usually takes 3 to 5 business days to transfer money from a U.S. bank account to your Valsto account.

Bank accounts and credit cards

Why should I link a bank account or a card to my Valsto account?

Linking your bank account or credit card to your Valsto account, is one of the steps you need to take in order to achieve 100 percent account certification status. By doing so, we can authenticate and protect your transactions within our network.

Can one bank account be used on two different Valsto accounts?

Yes, you can add the same bank account to more than one Valsto account.

How do I link a bank account to my Valsto account?

You can link up to 5 bank accounts to your Valsto account to send money or pay for things. Here's how to link a bank account to your Valsto account:

  1. Click the gear icon at the top of the page.
  2. Click on Funding Accounts and then on Add Bank.
  3. Select Checking or Savings.
  4. Enter the bank's routing number and your account number, then click Save.
  5. You will be prompted to agree with our bank account certification process and fee. Basically we'll make 2 debits to your bank account for a total combined amount that is equal to our bank account certification fee. You will see those amounts on your bank account statement after 3-5 days. At that time we will notify you via email or Valsto mobile application "vApp" from where you must enter those 2 amounts. You can also check the pending actions screen in your vApp to see if the transactions have already been processed and we are waiting for your response.
How do I link a credit or debit card to my Valsto account?

You can link up to 5 credit cards (Visa or MasterCard) to your valsto account to pay for things. Here's how to link a credit or debit card to your Valsto account:

  1. Click the gear icon at the top of the page.
  2. Click on Funding Accounts and then on Add card.
  3. Enter the card number, expiration date, security code and billing address then click Save.
  4. You will be prompted to agree with our credit card certification process and fee. Basically we'll make 2 charges to your credit card for a total combined amount that is equal to our credit card certification fee. You will see those amounts on your credit card statement after few hours. At that time we will notify you via email or Valsto mobile application "vApp" from where you must enter those 2 amounts. You can also check the pending actions screen in your vApp to see if the transactions have already been processed and we are waiting for your response.
Can I change the expiration date of my debit or credit card?

No, you must remove the expired credit card and link the new credit card.

How do I remove a debit or credit card from my Valsto account?

Here's how to remove a credit or debit card:

  1. Click the gear icon at the top of the page.
  2. Click on Funding Accounts and then on Manage cards.
  3. Find the card you want to remove.
  4. Click Remove.

Send money

How do I send money?

Here's how to send money with your Valsto account:

  1. Click on Money at the top of the page and make sure that you're on the Send tab.
  2. Type the email address to whom you are sending money, and the amount being sent.
  3. Select the account you're sending with and click Send Money.
  4. Review and confirm the information on the screen and click Submit.
  5. We'll send the recipient an email to let them know that you sent them money. If they don't have a Valsto account, we'll explain how to sign up for one.
What do I need to send or withdraw money?

Here's what you need to do to send or withdraw money from your member account:

  • Sign up for a Valsto member account.
  • Confirm your email address.
  • Install the vApp in your mobile device.
  • Link a bank account to your Valsto account.

Ask Us a Question

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