BlueSnap Overview

Payment Processing for E-Commerce Businesses

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 Location and Ownership

BlueSnap is headquartered at 800 South Street, Suite 640 Waltham, Massachusetts, but has offices in Canada, Israel, and London. Ralph Dangelmaier is the CEO of BlueSnap.

BlueSnap Review Table of Contents

  • Costs & Contract: BlueSnap offers pay-as-you-go pricing with no early termination fee.
  • Complaints & Service: BlueSnap has received more than 50 public complaints.
  • BBB Rating: BlueSnap has an “A+” rating and has received 13 complaints and 3 reviews in the last 3 years. The company has been accredited by the Better Business Bureau since 2015.
  • Sales & Marketing: BlueSnap does not appear to hire independent sales agents and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With BlueSnap
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Products & Services Offered

  • Debit and credit card processing
  • Multi-currency support
  • Recurring billing
  • Hosted checkout pages
  • Online shopping cart integration
  • API integration

Types of Businesses Served

  • E-commerce
  • International
  • B2B

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BlueSnap Rates, Fees, and Costs

Key Points

Flat Domestic Rate 2.90% + $0.30
Early Termination Fee $0
PCI Compliance Fee $0
Monthly Minimum Processing $2,500
Account Maintenance Fee $75
Equipment Lease Terms TBD By Third Party Agreement

BlueSnap Pricing

BlueSnap charges merchants a flat fee of 2.90% plus $0.30 for transactions made in the US. The rate for international transactions users varies between countries. It waives its $75 monthly minimum fee but merchants will be charged this it each month during which they process less than $2,500 in transactions making it a less than desirable option for low volume businesses. 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 merchant’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.

High Risk Terminations

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. Merchants are encouraged to read and understand the company’s current list of prohibited business types to avoid an unexpected account shutdown. Merchants who sell items prohibited by BlueSnap may need to work with a high risk specialist.

Other BlueSnap Fees

The company also charges dormant account fees to merchants 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.

Are you happy with your BlueSnap fees? Tell us about them before your go!

Response from BlueSnap

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BlueSnap Complaints & Customer Reviews

Key Points

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 (example here), poor account support (example here), and confusion regarding the company’s real name.

BlueSnap Lawsuits

A suit was filed in January of 2012 by a Kimberly Yordy and 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.

Do you have a complaint or testimonial about BlueSnap? Make your voice heard before you go!

Response from BlueSnap

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BlueSnap BBB Rating Summary

Key Points - BBB

Product & Service Complaints 5
Billing & Collection Complaints 7
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 1

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 10 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 13 complaints in the last 36 months, with 7 related to the billing or collections, 5 having to do with problems with a product or service, and 1 concerning a delivery issue. The company has successfully resolved 5 complaints, while the remaining 8 either were resolved to the dissatisfaction of the merchant or did not receive a final evaluation from the merchant.

What Merchants Say

BlueSnap has also received 1 positive informal review and 2 negative informal reviews to its profile. The most recent negative review describes concerns over an unfulfilled order from a merchant:

Purchased one quilt on ********. Paid $76.90 on credit card. Did receive my order, however, I received two quilts. How nice of them to send me two for the price of one! Just checked my ******** statement. They did charge me for two, when I ordered only one. At least I received my mdse.

This instigated a response from Bluesnap’s customer service:

Purchased one quilt on ********. Paid $76.90 on credit card. Did receive my order, however, I received two quilts. How nice of them to send me two for the price of one! Just checked my ******** statement. They did charge me for two, when I ordered only one. At least I received my mdse.

Customer service is an essential component of a merchant account provider’s ability to effectively resolve complaints like these. Merchants 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.

A “B” Performance

In light of the company’s complaint rate and resolution ratio, we have slightly adjusted the BBB’s rating to a “B.”

How has BlueSnap treated you? Tell us about it here!

Response from BlueSnap

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates 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 complaints that describe unethical conduct by the company’s sales staff.

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.

Add-On Fees

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. Merchants 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.

BlueSnap Rebranding

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 (example found here) that the company rebranded itself as BlueSnap to escape the negative publicity surrounding the Plimus business name. This strategy is slightly deceptive, since merchants who 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.

Did you get what you expected from BlueSnap? Tell us why, or why not.

Response from BlueSnap

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BlueSnap Marketing Example

BlueSnap Logo

Our Opinion of BlueSnap

An Average E-Commerce Option for Most Businesses

BlueSnap rates as an average merchant services provider according to all available information. The company’s alleged history of partnering with illegitimate businesses calls into question its internal safeguards against fraud, but it does appear that the company has taken steps to improve its policies and its reputation in the past two years. BlueSnap’s overall rating may improve as it puts the negative legacy of Plimus behind it. For now, merchants should compare BlueSnap’s pricing and services to those offered by top-rated merchant account providers.

 

We rely on your feedback about BlueSnap to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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31 Reviews Leave Your Review for BlueSnap Below

  1. Ron Mighton says:

    BlueSnap sent me an email on behalf of Reimage PC repair stating the software was due to Renew on January 22. I was unable to cancel the product so I sent them a note same day January 15 asking them to immediately cancel the product Within a hour again on January 15 they renewed the product and thanked me for my order.

  2. Henry says:

    Awful company and definitely do not do business with them.

    After 2.5 years of processing with them, they turned off our account with less than a day notice. Left our company high and try scrambling to find a new processor.

    They don’t care about their customers, and this is par for the course from our 2+ years working with them. Save yourself headache and heartache – work with someone else.

  3. Pablo says:

    Worst Experience we ever had.

    We have receive a termination letter without any advise:

    “Dear Merchant,

    This letter is to inform you of our decision to suspend your account and payment due to violations to our merchant agreement. Suspension of your account means that you are no longer able to process transactions through BlueSnap.

    All payments and funds will be held for 6 months to cover potential refunds and chargebacks, as well as any legal costs incurred to BlueSnap. If violations or chargebacks continue to occur during this timeframe, the hold time can be extended. After the applicable period of time, any balance will be paid to you. In case of a negative balance in your account, BlueSnap will send an invoice for the balance amount that will be due within 30 days. If you have any reason to dispute the action being taken on this account, please contact our Risk department at (risk department email).

    At this time, you are required to remove all BlueSnap references from your website.

    Please let us know if you have any questions or concerns.

    Regards,
    Sandra David”

    This letter was received after a month of working with them, and we have not received a single payment from them. They accuse us of violations of the agreement and they will not give any information about what kind of violations. And we’ve been held 9200 GBP. We have contacted every day by phone and email and after 8 days MARK (support team agent) and he told us they weren’t going to provide more information because they didn’t want to (as incredible as it may seem).

    From the risk department, they NEVER ANSWER.

    We can’t access our account or see any information, process refunds, answer chargebacks, or do anything else.

    Absolute shame, stay as far away as you can or you are going to lose your business and a lot of money.


    This post will help: How to Make Your Payment Processor Release Your Money

    -Phillip

  4. Mary Todd says:

    If you are a crook then this is the company for you! The professional thieves from American Alarm Security which is a shell company in Costa Mesa with a bogus telephone number successfully use Blue Snap to rob account numbers and steal money using ACH methods! I certainly don’t hold Blue Snap responsible however I would expect for them to have interest in hearing this information and possibly helping future transactions. But that’s just me, a honest hardworking person. I’m certainly not the kind of customer who Blue Snap wants. Best of wishes to you and all your thieving clients!


    This post will help: How to Report Bad Credit Card Processors

    -Phillip

  5. Dani says:

    DO NOT HAVE ANYTHING TO DO WITH BLUESNAP. Some serious investigating needs to be done.

  6. Justin Rochleau says:

    To all the people who left reviews. When you see “BLUESNAP” on your credit card statement, that means the merchant or website who you purchased a service or item from, forgot to change the soft descriptor in their Bluesnap console to reflect the name. This is why so many people see charges they are unfamiliar with and scream bloody murder that Bluesnap is scamming them. Bluesnap or any other processor just processes the payments on the backend from the merchants they partner with. Although they should take some higher measure to ensure merchants set up their soft descriptors correctly, its the actual merchant who is at fault and who you should contact for a refund.

  7. This company is not very good. I would highly recommend Bran Tree Payments who we will be switching back to now since they closed our account without ever giving us any of our money. They claim that because a phone number was on a website that says the word “DEBT” they cannot process our payments. Even though we are not affiliated with the so called company or website their “risk” team shut it down and won’t release our funds. Over $10K in revenue they claim they can now hold on to for 60 days and then only release a portion back to us and then we have to wait longer.

    Either way we were told it would be fine. They banked up a bunch of our money and then said we can’t release your funds. You can keep processing but we aren’t going to release your funds. These guys are crooks.

  8. hunter says:

    just got ripped of by the egnima channel through bluesnap. bluesnap is totally giving me the run-around. going to call my bank and have them removed , hopefully

  9. Brad Medine says:

    FRAUD! This company is still under investigation. Skimmed debit cards!

  10. Paul says:

    Have never heard of Bluesnap yet they keep charging my Amex fro $21.95 a month. Finally had to order new card. This company is a criminal organization.

  11. Sue burgin says:

    I have had to cancel my debit card due to BlueSnap dodgy dealings. They don’t reply to emails , they just keep taking your money . Lesson learnt the hard way !!!!!

  12. charles luick says:

    bad,bad,bad, don’t do any thing with them you will be sorry!

  13. Toni says:

    They just stole R2200 in the name of Bluesnap from my credit card. FRAUD FRAUD FRAUD FRAUD!!!!!!

  14. Kleslie says:

    This company allowed. Fraudulent activity to be charged to my debit card which led me to have to close my account. Ibe had my card for years and because of this company I have now had to be inconvenienced and are skeptical of putting my information in on websites who use third party billing companies for payment. You guys are pathetic.

  15. warwick says:

    Saw a transaction from onlydomains using these lowlife.I got a swift email reply but still waiting for action.I informed my bank straight away and told them it was a scam but the fuckwits continued to let the transaction go ahead (anz)

  16. Hillary Olivier says:

    Bad bad bad. Bought VPN last year for a friend on my credit card. They automatically renewed contract for VPN using same credit card details after requesting them to cancel transaction. No corporate governance. No business ethics

  17. Luke says:

    This was pretty disappointing to find out that the company was charging me for more than three months without alerting me through any means. I would recommend not to subscribe to their vpn at all and go for another firm. This company apparently does not plan to run on honesty and morality.

  18. Josephine says:

    FRAUDULENT COMPANY. Still not 100% how they skimmed my card details but they charge nominal amounts you might overlook but for no service. I cancelled my card but it’s a pain in the a** especially for a business owner.

  19. Venkat Kucherlapaty says:

    STAY AWAY. I cancelled the account on the day of billing and they claim they already sent 400 people to my website, which is outright lie as google or my web counter says only few people which is pretty normal. They don’t refund the amount they charged my CC.

  20. Tonya Gordon says:

    This company is extremely dodgy! They got hold of my card details and have billed me several times.

    BEWARE of Bluesnap!!!

  21. Marie Colby says:

    Beware, Sprout uses this company for it billing AND it next to impossible to cancel. They just act (are) stupid and keep taking your money. They need to figure this out before I lodge a complaint with the BBB.

  22. Shan Barkataki says:

    BEAWARE and BE ON GUARD I bought one product through BLUESNAP in 2013, called DVDnextcopy. Never used it; upon inspection saw that the product would make me break copyright/intellectual property laws. They try to charge my card every year. I asked the company to stop this, no response, no result. AVOID, AVOID, AVOID.

  23. DEEPAK says:

    Bluesnap has auto renewed my membership by debiting my credit card, which I have not requested.
    How can i get rid of this. I have already marked a complaint to bluesnap team for refund of charges. Kindly help.

    1. Antar Dayal says:

      Signed up with StoreYa a BlueSnap/ Plimus company promising to send customers to your online store. Billing is monthly taken out of your account. I canceled after three weeks because product didn’t stand up to it’s claims and after 3 emails finally got a refund. Only to be charged again a month later…..These people should not be in the merchant business!!

  24. Patricia Borns says:

    Blue Snap sells a scam PDF converter, bills you monthly for the product and doesn’t take responsibility for what it sells. The particular product promised to convert PDFs to Word but converted them to a picture file instead.

  25. Serhan says:

    I’m trying to open an account through their get started form but no response after my 4th trial in 3 weeks. I’ve even emailed them about the issue but again sound of silence. I don’t know what but certainly smth. is off with this company. I think I’d better stay away from them for a while…


    Are you with BlueSnap? Learn how to resolve this complaint.

  26. Dlip says:

    This company is a fake one and I recently did a merchandise with them. They charged me a whopping 600 % than normal fee. I tried to cancel them transactions but no response as the calling number was fake and no email responses, as given on website

    All my transactions went through AMEX card and Amex was not trying to stop this as well


    Are you with BlueSnap? Learn how to resolve this complaint.

  27. Paul says:

    BlueSnap got hold of my card details and have billed my card many times pushing my account into negative 1k.

    Have filed a chargeback , if you see any debits from BLUESNAP on your account , file a chargeback against these scammers.

    AudioShop

  28. BlueSnap/Plimus merchant says:

    We’ve been working with Plimus/Bluesnap for many years.
    Cons:
    * Transaction fees were incredibly high (starting at >10%) and only after many years and volume they agreed to lower them to 3.9%+0.30 which is still not as good as the official rate they promise.
    * When a customer is charged in any non-USD currency, a hefty conversion fee of ~6% is added. This is much higher than what most people around the world pay for conversion fees with their plastic cards (usually 0%-3%) so by offering additional currencies you’re charging your customer a lot more. Needless to say, they don’t mention it anywhere and don’t allow the merchant to disable non-USD transactions.
    * Not easy to understand their monthly reports when some payments are processed via PayPal. Such payments are transferred directly to your PayPal and BlueSnap only charges the fee difference between their fees and PayPal’s. However, the sales reports show all sales and you may expect a different payout from BlueSnap from what you actually get. Very confusing.

    Pros:
    * Many different payment methods available which make customers around the world more likely to sign up. Contrary to what you may think, not all the world is fine with plastic cards or PayPal.
    * Setting up contracts and having them in multiple languages is relatively easy.
    * They have affiliate network setup although all affiliates that ever contacted us never sold anything for us. Many of them seem like automated operations to place links for contracts. Maybe it’s better when you find your own affiliates.

    Conclusion:
    If your volume is very low, you may not care too much about the fees and having an easy setup and many payment options may be lucrative. However, we would not recommend them as a primary payment processor due to their HIGH fees.

    1. JHO says:

      Bought a software online that used Bluesnap for payments. The first time I used it , Amex called /texted to verify this was a charge I authorized.
      The next time Amex was calling again because another charge “service transaction” for $112 showed up the same day as my authorized $40 charge.
      They (Amex) are now changing my CC because # has been compromised. I suspect as others mention in this article a Bluesnap issue either they themselves and/or vendors they allow compromise your CC info.
      Wish I had seen this article earlier.

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