Advertiser Disclosure

BluePay Review

Compare

BluePay Review

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Taking $3,000 per month or less in card payments?

You’ll save with Square

Date Established
2002
Location
Naperville, IL
Rose Holman

Rose Holman

Writer
Rose Holman is a writer, blogger, and educator from Portland, OR with an MA in Teaching from Western Oregon University. She enjoys educating SMB owners about the complicated (and notoriously sketchy) world of payment processing. Since starting at Merchant Maverick in 2016, she has also added eCommerce software to her areas of expertise.
Rose Holman



To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.
Leave a comment

41 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Shelby

    Absolutely horrible experience with the program itself and the customer service.

    1
      YVETTE PEREZ

      Organization Name: LB Fitness

      DON’T trust this merchant services company. I would give zero stars if I could. They continued to bill me for 6 months after cancelling my account. They blamed me for not being a responsible consumer and as of today have not issued a refund they keep saying is on it’s way.

      1
      • Organization Name: LB Fitness

      This comment refers to an earlier version of this review and may be outdated.

      Alejandro

      Organization Name: Cleaner Vacuum Solutions LLC

      The Worst Service . Do not use . Customers Beware.

      1
      • Organization Name: Cleaner Vacuum Solutions LLC

      This comment refers to an earlier version of this review and may be outdated.

      Sue R.

      I cancelled this account shortly after starting it. It was my first time looking for a service such as this. I was never told about any fees except those from making a sale. They insist I never closed the account and still refused to close it now. They have cost me hundreds of dollars in bank fees because they continue to try and bill me and I keep a minimal balance in my account. The only way I could stop them was to put in a stop payment request. When I have requested a list of all payments I have made to them in the past, they say such a document does not exist because I put a stop payment on their attempts, so they could not receive payment, therefore there are no invoices (ever, from any time) to be sent. They also never tried to collect any early termination fee so I interpret this as; either they are denying I ever had an account before this time, or they are a shady business trying to take an inexperienced, “solo-preneur” for whatever they can get. I will be pursuing this matter further.

        This comment refers to an earlier version of this review and may be outdated.

        Max Kuecker

        Organization Name: Incarnation Ministries

        All the negative reviews are spot on. I have never dealt with such a devious company. They have hidden fees everywhere that they automatically withdraw from your account without notification. Over 90% of credit and debit cards are “non-qualified,” and thus, bill at a much higher rate. We have been trying to close our account for months, but they make it extremely difficult to do so. I do not know how they stay in business!

        1
        • Organization Name: Incarnation Ministries

        This comment refers to an earlier version of this review and may be outdated.

        Travis Holmes

        Organization Name: Holmes Property Maintenance

        Stay away from bluepay. They charged us nearly 40% more than we were originally quoted from them. They told us 3.2 percent all in plus $39 per month to run customer cardfs through bluepay. They ended up charging us 5.2% for the entire 2017 year. When I tried to resolve the problem, customer service was terrible to work with. They dodged my questions and tried to tell me I was still at 3.2%. I was pulling reports directly from their own website and it showed 5.2% I recommend using someone like Open Edge who sticks to their quoted pricing

        1
        • Organization Name: Holmes Property Maintenance

        This comment refers to an earlier version of this review and may be outdated.

        Michael

        BluePay is a total rip off!! They change transaction cost at will! Hold money from transactions without explanation. And the customer service department is a boiler room! And don’t forget the crazy cancellation fees! There are so many other companies with better terms and fees. And yes with some integrity!!!

          This comment refers to an earlier version of this review and may be outdated.

          Wayne B

          Organization Name: Affordable lawn care

          Canceled service but they just keep invoicing me for $24.00 {the minimum } and then billed me for $39.. two days later on occasions.. what a nightmare! I have done everything they requested me to do to cancel my account but to no avail. I may even have to start a new checking account because of this; I would not recommendBlue Pay to anyone and would advise to avoid them at all cost.

          1
          • Organization Name: Affordable lawn care

          This comment refers to an earlier version of this review and may be outdated.

          Randy Lasn

          Organization Name: Master sign

          Terribly dishonest!Every month I have to keep an eye on them so they are not raising my rates or charging me for some service I dont need or use.Stay clear.

          1
          • Organization Name: Master sign

          This comment refers to an earlier version of this review and may be outdated.

          roger mason

          DO NOT DEAL WITH THESE PEOPLE.they have been crooks from the beginning.they don’t warn you about charges. theywithhold your money without cause orreason. they are lousy at what they do.why they are still in business is a mystery.AVOID THEM LIKE THE PLAGUE.

          1

            This comment refers to an earlier version of this review and may be outdated.

            Frank Fornaris

            BluePay provides everything we want and need from our credit card processor. Their competitive pricing, easy-to-use and secure online portal, and exceptional customer service allows us to focus on growing our business rather than the day-to-day administration. I definitely recommend working with BluePay.

            5

              This comment refers to an earlier version of this review and may be outdated.

              Paul gill

              They have 10366.00 of our money for 5 weeks my lawyer sent a letter three weeks ago they ignored it we are going to sue

                This comment refers to an earlier version of this review and may be outdated.

                Paul gill

                Organization Name: Buffalogillsllc

                I am still chasing blue pay the had a Address on there stament in Arizona tried to serve them there they have not been at that location in 3 years on and on will finally go to court in April they never responded to the court papers so we will see

                • Organization Name: Buffalogillsllc

                This comment refers to an earlier version of this review and may be outdated.

                MMontes

                After more than three years with this company we discovered they were charging us twice the fees for the last 16 months. When we called and complain about the situation they recognized that after some computer updates they erroneously set up the account twice. We asked for a refund of over changes and after much complain they refund us only 6 months stating they cannot do refunds (even if it’s their fault).

                1

                  This comment refers to an earlier version of this review and may be outdated.

                  Wyatt Green

                  Worst most unethical company for CC processing I have ever dealt with. We we’re dropped from a fraudulent charge back that was reversed yet Blue Pay decided to hold our money for over 90 days! Still have not got our money back!

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    Kimberly Gilster

                    It appears that they are so desperate for business now, they are going after people by disguising themselves as potential clients. I had someone come to me as a potential client and long story short, he spent 3 days asking questions via text. Then when it came time to pay, he insisted that he would not pay unless I downloaded their app? Huh? I use Square.com and it has been beautiful for me. Not one problem in 3 years.

                      This comment refers to an earlier version of this review and may be outdated.

                      Alex Vasquez

                      BUYER Beware. They caused a lot of grief for my customers. The sales staff is very nice and tell you what you want to hear, so take what they say with a grain of salt. The real service happens after they sign you up. The smartest thing I did was ask for a month to month contract which they gave me. So if you believe the bs they are selling, at the very least ask for that, or just be smart and avoid them all together. I am happy with Braintree, they do all the hard work before they sing you up so you don’t go through having your account frozen because they randomly decide your charges are suspect. I visit my customers every week and know them. They called in and told there credit card companies charges were valid but Blue Pay didn’t care. I was lucky to have a great relationship with my customers, so Ibwill survive but others aren’t so lucky. The option they gave me was to hold my money for 90-180 days and review or move to their “partner” company for the much higher rate. I just asked them to refund my customers the money ( tough decision because it makes us look bad) I switched to Braintree now and it’s just a better company, part of PayPal. Stay away from BluePay, you will save yourself a lot of grief. They will hopefully soon be out of business if Karma exists.

                      1

                        This comment refers to an earlier version of this review and may be outdated.

                        Alex Vasquez

                        My rating from above is 1 star. Sorry for misspelling

                        1

                          This comment refers to an earlier version of this review and may be outdated.

                          Janna

                          I had a very similar experience Jason! Now I have 4 charges/ withdrawls from them out of my checking account and no one will respond. They keep just sending me and my info to customer service. Bottom line… WORST company to deal with! Save your time, money and the headache! Don’t do business with them. I really really wish I had read these reviews and stayed clear of them. They deserve negative stars but that wasn’t an option.

                          1

                            This comment refers to an earlier version of this review and may be outdated.

                            jason croxford

                            this company is a joke. They opened the account for two days then froze it and a week later they said they were closing the account and refunding the money back to our clients. Its been two weeks and none of our clients has received the money back. Company is a scam to rip of business owners and rip of businesses clients.

                            1

                              This comment refers to an earlier version of this review and may be outdated.

                              FranzI

                              After over a year with this company I must said that they have bad business practices. I don’t recommended at all.

                              1

                                This comment refers to an earlier version of this review and may be outdated.

                                Nate

                                I initially was excited about this company, but what they told me for fee’s was significantly higher on the contract. Once approved they slapped a 3 year term on me that was never mentioned. I have two other merchant accounts with different companies. I was approved, spent 25 man hours with my team getting our api set up and worked on, but then for no reason, 48 hrs later these guys terminated my account without explanation. I asked why, they wouldn’t even tell me. I would never recommend this company and after reading the reviews above have chosen to post reviews in as many locations as I can to warn off the would be users of Blue Pay. Try anything else.

                                1

                                  This comment refers to an earlier version of this review and may be outdated.

                                  Richard Holzer

                                  I signed up for BluePay in December of 2014 as a seasonal client with the season only being December of every year. Charges entered through their virtual terminal were promptly deposited in my account. The virtual terminal was easy to use. I was feeling good about BluePay.I was told the costs to operate the account would be $14.95 per month plus a fee of 2.6% of the transaction amount when using their virtual terminal. When the statement of charges came the following month, the fee should have been about $21, it was over $26. I called Blue Pay and they said there were “pass through fees” from the credit card company, one of which was $5.00 for a single transaction. I wasn’t happy about the lack of clarity for the costs of the transaction which according to the person I spoke with can vary from credit card to credit card.When I asked to be sure that I would only be charged the $14.95 for the one month my account was active I was told NO, I have to request that the account be put on hold in writing…even though the original agreement was for it only to be active in December. I had already been charged $14.95 for a second month (they might refund the second monthly charge) . What was truly unsettling was that they wanted an additional $25 fee to put the account on hold and that was only good for six months! Thus I would have to pay an additional $25 fee again after 6 months to renew the hold. I didn’t ask if an additional activation fee would be charged.I could have dealt with the fee over 2.6%, but the nonsense with the hold for an account that had originally been set up to only be active one month a year was too much. I have terminated my account and feel that they should be much clearer about their fee structure for pass through fees and charges associated with seasonal accounts. They could have been receiving kudos instead of a complaint and losing this client if they had been more open about their fees per transaction and were reasonable about their seasonal accounts. At this point they have lost my trust as well as my business.

                                  1

                                    This comment refers to an earlier version of this review and may be outdated.

                                    David Schoon

                                    A few days ago I got a call from a customer, paying via Bluepay, notice on screen, which she sent me via screenshot: The site’s security certificate is not trusted. You attempted to reach secure.bluepay.com, but the server presented a certificate issued by an entity that is not trusted by your computer’s operating system …Later that day, another customer with same problem. Both on Macintosh, one Chrome, the other Safari. So I contacted Bluepay. They said that the problem is that customers using XP need to upgrade to a better browser, such as Chrome or Firefox. I responded that this is from Chrome users, not XP users. No response from Bluepay. So I switched all of our traffic (about $600K/year) over to Elavon (fortunately we always have a backup cc processor.)

                                    1

                                      This comment refers to an earlier version of this review and may be outdated.

                                      Jeff Harrington

                                      Stay away from this company. Invoice intentionally confusing, nickle and dime-ing adds up to a lot of dollars at the end of the month. Deceptive sign up. I was told I needed to give 30 days faxed notice, I did and they shut me down immediately. My fault, I had seen other really bad reviews. I did transfer money out of my bank in case they froze the account (I have heard of that happening too). Just stay away. PayPal, anything but this company

                                      1

                                        This comment refers to an earlier version of this review and may be outdated.

                                        Ray Mueller

                                        Blue Pay started out great, then the time it took to get the funds to my account started getting lower an lower. Also, the fees I was being charge started at under 3% and gradually climbed to over 5%. They also started charging me monthly fees for not having the correct Federal ID number, which I gave them repeatedly. When I finally called to cancel due to my dissatisfaction, they removed $300 from my bank account for early termination. I highly recommend you avoid Blue Pay when ever possible.

                                        1

                                          This comment refers to an earlier version of this review and may be outdated.

                                          Will

                                          Tom your are Wrong. 1 out of 5 Tops and I would Not Recommend BluePay Services to a friend or business. Check out QuickBooks or Paypal. These people add additional bills and fees onto your account without proper notification. We have had a lot of issues with the company and getting ahold of management and with the customer service department. Good Luck and take care BluePay = RipOff

                                          1

                                            This comment refers to an earlier version of this review and may be outdated.

                                            Ruth Pham

                                            HORRIBLE – worst customer service and thieves. Account cancellation is taking more than 2 weeks.It is a nightmare to cancel this waste of money service – it has been 2 weeks and we still have not got our account cancelled.Our bank account is being charged monthly in spite of cancellation.Will complain to BBB and D&B.Bluepay is one of the worst processors (customer service goes to 3rd party outsourced crap)

                                            1

                                              This comment refers to an earlier version of this review and may be outdated.

                                              Werner C

                                              We were really glad this info was blogged, the bluepay website does not disclose any of the fees listed in the comments above, I was really thinking about giving them a call…….not anymore!!! I really dont think they deserve a 4.5 stars ratintg, they should be more like 2 or 3 stars. Paypal, here i cometh.

                                              2

                                                This comment refers to an earlier version of this review and may be outdated.

                                                Helen Baker

                                                I signed on with Blue Pay at the recommendation of my bank. It has been nothing but problems. The tech support was inadequate. They trained me over the phone 6 times only to find out at the end my ipad wasn’t compatible. The reader they sent didn’t work and they never sent a new one. They are charging 3.66 % !!! ( for unqualified cards) Often it has taken 4 days for money to get to my account. Not one customer has received an email receipt. I spoke to management and they promised to take care of all y complaints. It had been 18 days and NOTHING. Nobody follows up. This is a very poorly run service and I am very disappointed.

                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Jeff

                                                  This has really become a nightmare. I have given them 30 days, ten phone calls, six emails, and three chat sessions to even remotely try and resolve this. Everything went fine opening my account, I used their service to charge my clients for services on three separate dates. After not receiving the funds in my account after several business days, I contacted them and was told my account was being reviewed further (Not sure why they would do that off the bat) because my business type was considered to be high risk for charge backs. They asked me to send some information over for their review. That same night, they sent an email saying they canceled my account. Up to that point it would certainly be frustrating and a bad experience that they would open the account and then close it in a week. But I have learned being in the travel business, it is considered high risk with merchants and that seems acceptable. What I find completely unacceptable and basically illegal is they have held the money for themselves, they have not released the charged funds to me (which I could understand since they chose to close the account), but despite all of the email requests and phone calls, they are refusing to refund my customers for six months. They claim it is for chargebacks, but again, I am asking them to refund my clients which would eliminate any need for the worry of chargebacks. So far for 30 days, they have not released the funds to my company and they have not credited back my customers and I have been flooded with calls and emails saying they still see charges on their account and I am completely at their mercy. The damage done to the reputation of my business has now reached a very serious level. From what I can see, they seem to think they have a license to take your money. I would seriously use a great deal of caution when considering using BluePay for your processing needs.

                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Tyler Jones

                                                    they screwed me as well … charging my account and then later canceling my account after taking my money and had not even used their services yet. when i complained about the charges they closed my account calling it high risk , but they had already approved my account . i lost money with my web developer and the money they took from my account. has anyone recouped any of their lost from them? is anyone going to do anything ? i am open to join forces. this is not right what they are doing to people they have to be stopped !

                                                      This comment refers to an earlier version of this review and may be outdated.

                                                      Funky Monkey Cafe & Gallery

                                                      BluePay and their subsidiary BuyPass failed to process my POS batches for 10 days, without notice. Then they double charged the missed transactions, and took a week to resolve the issue. We fielded a hundred complaints from customers, and suffered loss of revenue and reputation. BluePay’s staff were utterly unhelpful, and their manager refused multiple written requests for documentation to prove their assertion that they were not at fault. They were, and I can prove it. They refused to refund my $129 yearly fee paid less than 60 days prior, though I was on the hook for hundreds of dollars from multiple interest charges and late fees for the insufficient funds charges incurred due to their error. Be warned: BuyPass has glitches in their software’s ability to read files, and none of their staff know why or how to resolve it. BluePay uses BuyPass to process files from merchants.

                                                        This comment refers to an earlier version of this review and may be outdated.

                                                        Brad Jackson

                                                        Very dissatisfied with their service. Not only did they change their rates on me they held 10% of all transactions back to put in a reserve. They clamied it was for to protect the account agaist charge backs…which they charge a fee for. This 10% reserve was never discussed with me and they could not tell me when this money would be return. I contacted [edited: name removed] (the sales rep who sold we the program) and he wouldn’t help me and just sent me back to customer service. Their are much better options out there than Bluepay

                                                          This comment refers to an earlier version of this review and may be outdated.

                                                          Ed Ferri

                                                          I feel that BluePay was deceptive in their sale pitch. They did not tell me about all the other fees. I was told they would lower my cost and gave me examples of where their fees were slightly lower. I told them my reason for switching was to lower my costs and the cost actually went up do to the excessive fees. Try to resolve this with the salesman was a waste of time, he never returned calls. During the sales pitch he said I could cancel at ant time without penalty which is not true because they have a $295 cancellation fee buried in their documentation.

                                                          1

                                                            This comment refers to an earlier version of this review and may be outdated.

                                                            Bob

                                                            I signed up to be a bluepay customer but after several unreturned emails and phone calls I withdrew my application. Didn’t see the need to continue if that was the type of customer service I could look forward too.

                                                            1

                                                              This comment refers to an earlier version of this review and may be outdated.

                                                              Chris

                                                              This is good information as our company is considering using BluePay as an alternative.

                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                Noah B.

                                                                Blue Pay is a First Data ISO, they are not a processor as you have them listed.

                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                  Merchant Maverick Admin

                                                                  Thanks for the info Noah, but can you show us some proof of that? I’ve seen a program guide with both the First Data reference, and without it. Is it possible that they used to be a FD ISO, and now they handle the processing in-house? From what their rep told me, they process in-house, but they could have been ill informed.

                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                    JJ

                                                                    you hit it right on the money. We USED to be an ISO of First Data, but we are our own in house processor now. I am a marketing assistance for them and have worked in the west region office in Phoenix, AZ for quite some time now

                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                      Corey Manshack

                                                                      So why did I just get a check from first data and not blue pay?

                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                      Leave a Reply

                                                                      Your email address will not be published. Required fields are marked *

                                                                      Your Review

                                                                      Comment moderation is enabled. Your comment may take some time to appear.
                                                                      Please read the "User Review and Comment Policy" before posting.

                                                                      Share