BlueSnap Credit Card Processing 2023: Reviews & Complaints
Headquartered in Waltham, Massachusetts, BlueSnap is a merchant account provider specializing in online processing solutions for e-commerce businesses. The company was founded under the name “Plimus” in 2001, was acquired by Great Hill Partners in 2011, and was rebranded in 2013 following some negative publicity surrounding a class-action lawsuit filed against the company.
BlueSnap has partnered with a number of other businesses, including Splitit, TreviPay, KeyBank, and BitPay, and in 2019 they acquired Armatic.
BlueSnap Payment Processing
BlueSnap processes all major debit and credit cards for most business types. Their services include POS systems, mobile solutions, access to virtual terminals and payment gateways, accounts receivable automation, fraud prevention, subscriptions, and data reporting and analytics.
Global Payment Gateway
One of BlueSnap’s most notable features is its global payment gateway, which allows businesses to accept payments in over 100 currencies and supports more than 110 payment methods. This feature enables businesses to expand their reach, catering to customers worldwide and simplifying international transactions.
The company provides a mobile payment solution that enables businesses to process transactions on smartphones and tablets. This feature helps businesses offer a convenient and seamless payment experience for their customers, especially when making in-person transactions.
BlueSnap offers a subscription billing service that automates the billing process for businesses with recurring payment models. This feature reduces administrative tasks, ensures timely payments, and helps businesses maintain a consistent cash flow.
Security is a top priority for BlueSnap, and the platform includes a built-in fraud prevention system that utilizes machine learning and customizable rules to detect and prevent fraudulent transactions. This feature helps protect businesses and their customers from potential financial losses.
Reporting and Analytics
BlueSnap’s platform includes robust reporting and analytics tools that provide businesses with insights into their payment processing performance. This information helps businesses make informed decisions, optimize their payment processes, and identify areas for improvement.
BlueSnap offers seamless integrations with popular e-commerce platforms, accounting software, and CRM systems. These integrations help businesses streamline their operations and manage their payment processing within their existing workflows.
Location & Ownership
BlueSnap is headquartered at 800 South Street, Suite 640 Waltham, Massachusetts 02453, but has offices in Ireland, Israel, and London. Ralph Dangelmaier is the CEO of BlueSnap.
Table of Contents
- Costs & Contract: Offers pay-as-you-go pricing with no early termination fee and…
- Complaints & Service: Has received more than 50 public complaints in regards to its…
- BBB Rating: Has been accredited by the Better Business Bureau since 2015 with an “A+” rating but has received 6 complaints and 5 reviews in the last 3 years.
- Sales & Marketing: Does not appear to hire independent sales agents and has received some complaints about its…
BlueSnap Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||50+|
|Live Customer Support||Yes|
|Most Common Complaint||Fraudulent Partners|
Moderate Complaint Total
We have located at least 50 negative BlueSnap reviews, many of which accuse the company of being a ripoff or scam operation. Some of the older complaints refer to Plimus rather than BlueSnap, but BlueSnap has accumulated its own moderate body of complaints over the past few years. Most complainants report being scammed by a vendor using BlueSnap to sell illegitimate goods, but there are also complaints of hidden fees, poor account support, and confusion regarding the company’s real name. If you have your own BlueSnap review to make, please do so in the comments below.
BlueSnap Lawsuits and Fines
A suit was filed in January of 2012 by Kimberly Yordy, which alleged that Plimus, the companies previous brand, knowingly provided its affiliates with false testimonials and reviews intended to deceive customers into purchasing access to illegal channels for downloading digital content. The case was denied class-action status in October of 2013 and appears to have been dismissed, but Plimus had already changed its name to BlueSnap by that time.
BlueSnap Customer Support Options
Although most complainants were technically scammed by unethical vendors using the BlueSnap e-commerce platform, it appears that BlueSnap has historically done a poor job of vetting the businesses it partners with. BlueSnap offers phone, email, and ticket-based support to its merchants. While these options exceed those offered by some of its e-commerce competitors, their performance falls short of our demands of top-rated payment processors for great customer service.
BlueSnap Customer Service Number
- (866) 312-7733
BlueSnap Online Ratings
Here's How They Rate Online
Online Ratings Summary
Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.
Over 5 Complaints
BlueSnap currently maintains an “A+” rating with the Better Business Bureau and has been accredited with the BBB since August 2015. The company is showing 6 complaints in the last 36 months.
Note from the BBB
The BBB has deemed it necessary to add the following note to the BlueSnap profile:
“Please note that BlueSnap is a third party processing company. BBB would like to make you aware, when making a purchase from a company that uses Bluesnap, the name of the vendor does NOT appear on the transaction rather the name BlueSnap appears on the consumers checking/credit card account. When filing a complaint with BlueSnap please make sure your purchase was not with another merchant.”
What Merchants Say
BlueSnap has received 5 formal reviews in the past 36 months, all negative. The most recent negative review describes confusing charges and poor customer support:
I have a charge on my **** I cannot ID. The number beside it that **** tells me to call sends me to Blue Snap but the number always deadends and there is no ************ I can contact them to verify this charge was legit. They only want to talk to new businesses it seems. Could be legit but how would i know?Therefore a scam until they change their mode of doing business
Customer service is an essential component of a merchant account provider’s ability to effectively resolve complaints like these. Business owners should research how comprehensive their provider’s support options are to have confidence in being able to resolve any issues that may arise during their contract.
An “A” Performance
In light of the company’s low complaint rate and high resolution ratio, we agree with the BBB’s rating of an “A.”
BlueSnap Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Equipment Leasing||TBD By Third Party Agreement|
BlueSnap charges merchants a flat fee of 2.90% plus $0.30 for transactions made in the US. The rate for international transactions users is 3.90% plus $0.30. It waives its $75 monthly minimum fee but clients will be charged this in each month during which they process less than $2,500 in transactions making it a less-than-desirable option for low-volume credit card processing. BlueSnap also advertises that it does not charge any early termination fees
However, section 5.1. of its Merchant Terms & Conditions details the possible impact that terminating an account may have on a client’s funds:
5.1.1 “Holdbacks” are sums that BlueSnap may in its sole discretion without prior notice hold in reserve against Merchant’s account during exposure or potential exposure to high frequency of refunds or Chargebacks or following significant variations in monthly sales volume, so as to ensure there are sufficient funds held in Merchant’s account to meet potential Refund and Chargeback requests. Should BlueSnap be subject to, or have reasonable cause to believe that it may be exposed to any negative Merchant account balance, or any claims, fines, penalties, non-compliance charges or additional fees levied by any Acquirer, Card Association or legal authority due to Merchant’s acts or omissions, or as a result of default, breach or termination of this Agreement, fraud, money laundering, illegal, unauthorized or improper actions of Merchant and/or Merchant’s customers, BlueSnap may in its sole discretion and without prior notice holdback in reserve additional sums for such period as it deems necessary to secure and make whole its financial position.
In late 2011, some vendors received an email from Plimus stating that their PayPal accounts had been temporarily deactivated due to those vendors’ high-risk business types. This was possibly a result of high chargeback rates through the business types Plimus was partnered with at the time. Business owners are encouraged to read and understand the company’s current list of prohibited business types to avoid an unexpected account shut down. Businesses that sell items prohibited by BlueSnap may need to work with a high-risk specialist. We also encourage business owners to check out our list of the providers of the best merchant accounts.
Other BlueSnap Fees
The company also charges dormant account fees to clients who are inactive for over three consecutive months, which range from $5 to $50 per month. We have found no evidence that BlueSnap charges an early termination fee or a PCI compliance fee, but we welcome any feedback you can provide in the comment section regarding your own experiences with BlueSnap.
BlueSnap Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
Inside Sales Team
BlueSnap appears to primarily utilize its website and strategic partnerships to market its services. There is no indication at this time that the company hires independent sales agents, and we have not found any BlueSnap reviews that describe unethical conduct by the company’s sales staff. This compares favorably to our list of best credit card processors.
History As Plimus
One possible cause for concern in this section involves the numerous complaints about BlueSnap/Plimus’s former affiliations with fraudulent vendors. Although BlueSnap itself did not sell the products and services in question, it did provide payment processing through PayPal and other e-commerce features to these operations. By extension, the company was profiting off of unethical businesses on what appears to be a fairly wide scale. The complaints filed against BlueSnap regarding this issue have diminished in the last year, indicating that the company has taken steps to solve the problem. Still, the lawsuit was recent enough to warrant consideration in this review.
There are also a fairly large number of complaints online accusing BlueSnap of charging bunk fees and changing the terms of its contract without proper notification. Clients specifically claim that in early 2013 the company added a $75 monthly account maintenance fee for businesses that do less than $2,500 in sales per month. If you suspect that BlueSnap is overcharging you, you can double-check your monthly bill with a third-party statement audit.
The final noteworthy consideration when evaluating BlueSnap’s sales tactics is the company’s name change. While a name change alone is not a reason to lower a company’s score, there is some speculation that the company rebranded itself as BlueSnap to escape the negative publicity surrounding the Plimus business name. This strategy is slightly deceptive, since businesses that would ordinarily avoid Plimus may unwittingly sign up for the same company through the BlueSnap name. On its website, BlueSnap goes to great lengths to conceal its ties to Plimus, lending credibility to the claims that it changed its name to dodge the negative complaints it had attracted.
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