Bluefin's payment and data-security solutions are best suited for E-commerce businesses, small to medium-sized companies, and larger enterprises including financial institutions. Bluefin offers payment processing for both mobile and point of sale (POS) transactions.
Payment and data-security technologies for secure online and POS transaction processing. Bluefin works primarily with companies in the healthcare, higher education, and retail industries.
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : Undisclosed
Bluefin Payment Systems is a registered ISO/MSP of Deutsche AG in New York and Wells Fargo Bank in California. Bank Bluefin Payment Systems, formally called Capital Payments, was founded in 2007 and is based in Atlanta, Georgia.
Bluefin Payment Systems, formally known as Capital Payments, is a company that specializes in providing payment and data security technologies to protect online POS systems. The company currently operates with 130 processors and gateways and serves in 32 countries.
Bluefin's services include secure payment processing for mobile, face-to-face, and contactless in-person transactions. The firm also employs a PCI-validated point-to-point encryption to offer service to call centers. The pricing structure is not outlined on Bluefin's website but potential customers can quickly get quoted for their business by submitting an application through the Bluefin website. Pricing is not generalized and all price quotes are specific to the merchant client's unique situation. Getting quoted for Bluefin's service does not require any upfront obligation.A previous FTC settlement from 2016 required Bluefin Payment Systems to reduce the types of merchants that they work with, which could indicate to high-risk companies that there are cheaper and/or stronger-equipped alternatives that would better suit their business model.
Merchant Provider Risk Tolerance
Bluefin’s ShieldConex platform ensures that PII (Personally Identifiable Information), payment data, and PHI (Personal Health Information) are tokenized upon entering the system. ShieldConex helps merchants create an organization process by ensuring that they follow data security compliance standards using hardware-based encryption and tokenization and taking out any sensitive data that shouldn’t be there.
Decryptx is one of Bluefin’s solutions and allows partners to combine the Decryptx P2PE solution with their gateways and platforms, delivering PCI P2PE directly to clients. This aspect of the service won’t change the payment processing relationship. Using Decryptx, Bluefin only requires the P2PE payload part of the transaction.
Bluefin’s PayConex gateway allows retail, call center, mobile, e-commerce, and other unattended payments in North America to be processed with debit/credit cards. PayConex is supported by Bluefin’s security solutions suite, including their PCI-validated P2PE for POS payments, tokenization, and ShieldConex for securing online financial data. Other features of PayConex include hosted payment forms, batch file processing, and integrated salesforce.
Discloses All Important Terms
Public Pricing Available
Bluefin Payment Systems doesn’t publicly disclose its pricing and fees for contracts. If a merchant is interested in getting an obligation-free quote, they can request one through the Bluefin website. While much is unknown about its pricing system, the company has stated that contracts are tailored to each merchant; There is no generic list of fees to reference.
1.00% - 4.99%
1.00% - 4.99%
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
From the information made publicly available, Bluefin Payment Systems appears to have a three-year contract for its customers using First Data.
Former clients of Bluefin have said that there are early termination fees that can range in amount. The best way to find out Bluefin's pricing and contract terms is to contact them directly.
Early Termination Fee
The company has received 25 complaints to date but still maintains an "A" rating with the BBB. Many of the complaints have to do with delayed payouts, difficulty reaching customer service, and issues and delays canceling their services.
One customer, in particular, has stated that, after leaving Bluefin a bad review on Google, their company was harassed to change their public opinion.
3.6 Stars / 49 Reviews
1 Star / Based on the opinion of 1 person
Total Online Reviews
Total Online Complaints
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks