Bluefin Payment Systems Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

Bluefin Payment Systems

"A" Credit Card Processor Rating
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Jump to: Sales & Marketing | Costs & Contract | Complaints & Service | BBB Complaints

Bluefin Payment Systems Overview

Bluefin Payment Systems Logo

Bluefin Payment Systems Logo

Bluefin Payment Systems ( is a merchant account provider headquartered in Atlanta, Georgia. The company was launched in 2007 and formerly operated under the name Capital Payments, but has grown rapidly under its new Bluefin name since mid-2012. Bluefin offers online payment gateways, debit and credit card processing, recurring billing services, PCI compliance, payment security, and ACH processing to merchants across North America. The company also offers a proprietary payment gateway called PayConex. Bluefin Payment Systems is a registered ISO/MSP of Deutsche Bank AG in New York and Wells Fargo Bank, N.A., in Walnut Creek, California.

Bluefin Payment Systems Sales & Marketing Tactics | A

Key Points – Sales & Marketing 
Uses independent resellers? No
Promotes deceptive rate quotes? No
Discloses all important terms? Yes

Bluefin’s website is easy to navigate and generally much more informative than the average industry website. The company markets its proprietary PayConex gateway and clearly explains the terms of PCI compliance, which it offers to its clients for free. Bluefin does not appear to use independent sales agents or practice deceptive marketing strategies.

Bluefin Payment Systems Costs & Contract Terms | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: Variable

Bluefin doesn’t appear to have any publicly listed complaints about its contract terms, but we were able to locate one complaint filed under the Capital Payments name regarding unauthorized fees. Since it has been some time since Capital Payments completed its rebranding, this older complaint will not negatively impact Bluefin’s score in this category. Given the absence of complaints about this company, Bluefin will be awarded an “A” rating. If you have any experience with Bluefin’s contract terms (including any early termination fees or PCI compliance fees), please share that information in a comment below this article.

Bluefin Payment Systems Complaints & Service | A

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

Bluefin’s website does not appear to offer a direct customer support line, instead providing an email template, live chat, and an 800 number for general inquiries. Although there are no complaints that explicitly refer to Bluefin’s customer service on consumer protection sites or the BBB, we did receive one report of poor customer service in the comments section of the Capital Payments review on this website in the last year. Because the author of the comment declined to elaborate after we responded to his complaint, we will not penalize Bluefin in this category.

Bluefin Payment Systems BBB Rating | A (CPO Adjusted)

Key Points – BBB Report
Product/service: 1
Billing/collection: 0
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

The Better Business Bureau (BBB) report for Bluefin appears to be filed under a different address than the company’s Atlanta, Georgia, headquarters. The BBB awards Bluefin BBB accreditation and an “A+” rating for its Melville, New York, location, citing two complaints filed in the last 36 months. One of these complaints was related to the product or service, and one of them had to do with advertising or sales issues. Neither was resolved to the merchant’s satisfaction. Given these resolution results and our policy regarding BBB ratings, we have slightly adjusted the BBB’s rating to an “A.”

Bottom Line

Bluefin Payment Systems appears to have carried over a low complaint record from its time as Capital Payments. The company’s straightforward website and lack of publicly listed complaints have resulted in a high overall grade. As always, merchants are encouraged to carefully read all contract terms, even when dealing with an “A” rated provider.

This review was originally published on 2/28/13 and was last updated on 7/8/2014.

Leave your review of Bluefin Payment Systems in the comment section below:

Bluefin Payment Systems Review

Rated 4.5 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-07-08 12:31:33

We cannot find any negative Bluefin reviews online, and we have no reason to believe that the company is a scam or a ripoff… Bluefin Payment Systems ( is a merchant account provider headquartered in Atlanta, Georgia. The company formerly operated under the name Capital Payments… Learn more in this Bluefin Payment Systems review.


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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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