ValPay

Financial Services70% confidence

ValPay is a payment technology company that provides embedded payment processing for software platforms, handling card and ACH transactions on behalf of thousands of downstream merchants.

Clearwater, FL, USA
valpay.com
Owned by Valsoft America Inc

About ValPay

This transaction is most likely from ValPay, an embedded payments provider that powers in‑app and online payment processing for SaaS and vertical software platforms. ValPay offers payment gateway and Payfac‑as‑a‑service capabilities, allowing software vendors to onboard merchants, accept cards and ACH, and manage settlements and reporting on a single platform.([valpay.com](https://www.valpay.com/?utm_source=openai)) The Florida corporate filing for ValPay LLC lists its principal place of business in Clearwater, Florida, with Valsoft America Inc as a member, indicating that the U.S. operation is organized there.([search.sunbiz.org](https://search.sunbiz.org/Inquiry/CorporationSearch/GetDocument?aggregateId=forl-m23000003886-255fdf23-4f2b-4a88-a4c1-d1c2b54dadad&formatType=PDF&transactionId=m23000003886-d73a7c16-9f08-406c-8de0-432f54c37904))

In your descriptor, the leading **"vpy*"** corresponds to ValPay as the payment facilitator, and the ACH Company/Originator ID **8263863381** is documented as an Adyen/Alternative Payments / ValPay ACH ID used for pulling funds from business accounts.([intercom.help](https://intercom.help/valpay-partner/en/articles/12587821-understanding-how-valpay-bills-processing-fees?utm_source=openai)) The text **"PE SHOPPING"** is most likely an internal billing label or plan name (for example, a particular product bundle or shopping‑related processing profile), while **INDN:Lutz Connection** refers to the downstream merchant or account on whose behalf ValPay is processing fees or settlements. This means the underlying business you interacted with is “Lutz Connection,” but the entity actually pulling funds via ACH is ValPay acting as the payment processor.

Charges like this typically appear when (a) ValPay is debiting monthly or periodic processing fees for a merchant account, or (b) consolidating settlement adjustments, refunds, or other payment‑related debits on behalf of a software platform you use (for example, practice‑management, business‑management, or vertical SaaS tools). These are usually B2B debits authorized under an agreement with that software platform or merchant, not a consumer online store purchase, even though the descriptor includes the word “SHOPPING.” If you are a business, you’d most often see this after enabling ACH auto‑debit for processing fees or platform invoices.

To verify the charge, first match the amount and date to any invoices or merchant statements you receive from vendors branded as “Lutz Connection” or from a software platform that recently enabled integrated payments. Then check your bank’s ACH detail screen for the Company Name and the CO ID 8263863381, which should match documentation for Adyen/ValPay / Alternative Payments.([intercom.help](https://intercom.help/valpay-partner/en/articles/12587821-understanding-how-valpay-bills-processing-fees?utm_source=openai)) If you still cannot identify it, contact the vendor’s billing department and ask if they bill via ValPay/Adyen under a descriptor containing “PE SHOPPING.” You can also contact your bank to request the ACH originator contact information for that debit or to dispute/return the item if it is not authorized based on your business’s ACH agreement.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ValPay.

  1. vpy*PE SHOPPING DES:PURCHASE ID:TWG3CVBKPHH2SBF INDN:Lutz Connection CO ID:8263863381 CCD

Frequently Asked Questions

Why does my bank statement show “vpy*PE SHOPPING” with Company ID 8263863381?

This descriptor indicates an ACH debit initiated through ValPay’s embedded payments platform, using Adyen/Alternative Payments’ ACH Company ID 8263863381. The “vpy*” prefix reflects ValPay as the payment processor, while “PE SHOPPING” is an internal billing label and “INDN:Lutz Connection” is the downstream merchant or account associated with the charge.

Is “PE SHOPPING” the actual store that charged me?

Probably not. In this context, “PE SHOPPING” functions more like a plan or product label inside ValPay’s billing system rather than a public‑facing retailer name. The real business relationship is usually with the entity shown in the INDN field (in your case, “Lutz Connection”) or with a software platform you use that has integrated payments via ValPay.

What kinds of fees or payments does ValPay typically debit via ACH?

ValPay usually debits monthly processing fees, gateway fees, or other payment‑related charges on behalf of software platforms and merchants, and sometimes collects consolidated adjustments or refunds. These are most often recurring B2B debits authorized in your merchant services or software subscription agreement rather than one‑off consumer purchases.

How can I confirm which vendor used ValPay for this “PE SHOPPING” charge?

Start by checking invoices and statements from any software or service providers tied to payments—such as practice‑management software, vertical SaaS tools, or a merchant account labeled “Lutz Connection.” Look for language about integrated payments, ValPay, Adyen, or ACH auto‑debit. If you still can’t identify it, provide your bank with the ACH Company ID 8263863381 and the full descriptor; they can confirm the originator and sometimes supply a contact phone or remittance data.

Can I get a refund for a ValPay / PE SHOPPING charge I don’t recognize?

Refunds depend on the underlying merchant or software provider’s policies, not ValPay’s directly. First, contact the vendor you believe is associated with “Lutz Connection” or the platform that uses ValPay and request a refund or invoice clarification. If the debit is unauthorized or cannot be resolved, your bank can advise on returning the ACH item (for example, using return reason codes such as corporate customer advises not authorized) within the applicable NACHA time frames.

How do I stop future ValPay / PE SHOPPING debits from my account?

To stop future debits, revoke or modify your ACH authorization with the underlying vendor or software platform that bills through ValPay—typically by updating your billing settings, cancelling the service, or requesting invoice‑only terms. Then notify your bank in writing that you are revoking authorization for ACH debits from Company ID 8263863381 tied to that agreement; they may be able to block or filter future items if they occur.

Why is this labeled as a CCD (Corporate) ACH transaction and what does that mean for me?

The “CCD” code in the descriptor indicates a Corporate Credit or Debit entry, which is used for B2B ACH payments. This means the debit is treated as a business transaction with shorter dispute windows and different NACHA rules compared with consumer (PPD) debits. If you believe the debit is in error, contact your bank quickly—business ACH items typically have a much shorter return timeframe than consumer debits.

How can I get an itemized breakdown of what the PE SHOPPING charge covers?

Log into the billing or merchant portal of the vendor that uses ValPay (for example, a software platform’s payment or billing dashboard) and check recent invoices and payment history. Many ValPay‑powered portals show line‑item details for processing fees and subscriptions. If you don’t see enough detail, reach out to that vendor’s billing or accounts receivable team and request an invoice matching the exact amount and date of the ACH debit.

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