
- Sales Experience
- Rates
- Fees/Contracts
- Complaints/Ratings
- Support

BluePay is a registered ISO/MSP founded in 2002 and headquartered in Naperville, IL. They also have offices in Chicago and New York City and use Wells Fargo as their Acquiring Bank. BluePay has won two awards in the past two years ranking 128th out of 5,000 on the 2010 Inc. 500 list. They’ve also won the 2011 Constant Contact All Star Award for e-mail marketing and online surveys. BluePay offers solutions for e-commerce, telephone processing, and face-to-face transactions. While they are not a global processor, they do offer their services in the Unites States as well as Canada.
Reputation & Rating
BluePay is accredited with the Better Business Bureau and has an A+ rating with them. Over the past three years, they have had 27 complaints filed against them, with 11 closed within the past twelve months. Seven of the customers whom filed complaints felt that the response they received was unsatisfactory. The majority of the complaints filed cited billing/collection issues as well as problems with product/service. BluePay has had an A+ rating for the past two years since it upgraded from an A in 2010. 27 complaints is a very low number comparatively, however there is no option to read what the complaints were on the Better Business Bureau website. Sometimes quality outweighs quantity, and the most important factor is how the business responds to the complaints of their customers. When they don’t give that option it raises questions as to what they’re trying to hide.
Sales and Marketing Strategy
Although other reviews suggest that BluePay does not use independent sales agents, a little research has shown they do. Like most large processors, independent agents are usually listed under a different business name than their Merchant Service Provider. One that we found was Nations Transaction Services, Inc (www.ntspays.com).
Although they act as an independent sales agent for BluePay, their rates and fees might be completely different from what BluePay offers directly. For the most part, BluePay does rely on their inside sales force and do not advertise their independent sales program on their website. It is always advised to sign with the Merchant Service Provider directly as it provides a more uniform sales experience and relationship thereafter. BluePay also advertises their “all-in-one solution” where a business can take point of sale transitions as well as e-commerce with the same account, instead of two separate merchant accounts like other large processors will require.
Rates and Fees Schedule
BluePay does advertise some of their rates on their website but they’re listed as “as low as” which means they’re qualified transactions, generally only covering debit cards and non-rewards credit cards. For swiped accounts they offer rates “as low as” 0.95%, and for keyed accounts they offer rates as low as 1.99%. However, it is advised to call in and request the full schedule of rates and fees as it always depends on the type of business.
Stay or Switch from BluePay To Another Merchant Service?
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