Bluestone Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Merchants in need of card-not-present payment processing services as well as those that have B2B businesses.

Specializes in

Bluestone Payments specializes in providing electronic payment solutions to businesses in all types of industries. This company works with many B2B clients and offers card-not-present payment processing services.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: Unknown

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Visit Bluestone Payments

Bluestone Payments is a merchant services provider, and the company was founded in 1997.

It is located in Atlanta, Georgia, and the company’s founder is Linda Rossetti.

Bluestone Payments is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, and First National Bank of Omaha, Omaha, NE.

Bluestone Payments Overview


Bluestone Payments is a merchant account provider and payment processor that is located in Atlanta, Georgia. The company was founded by Linda Rossetti in 1997, and some online directories list Dave Rossetti as its contact person. He serves as the company’s Vice President of Operations.
Bluestone Payments states on its About page that the strives for business relationships that are built upon honesty, integrity, and reliability. In 2020, this company partnered with Payroc, which is a high-growth international payment facilitator and merchant acquirer. Bluestone Payments’ client list is varied, and the company works with merchants in various industries, including restaurants, retail stores, and those that accept MOTO payments.

Quick Facts

Head Quarters

1029 Peachtree Parkway N., Suite 314 Peachtree City, GA 30269

Year Founded



Linda Rossetti



Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

What We Don't Like

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

Bluestone Payments Products & Services


Hardware & Software

Bluestone Payments offers a variety of equipment for merchants in need of hardware. This includes:

The Clover Station Duo bundle
The Clover Mini
Mobile POS systems, including credit card terminals and apps

This company can also work with merchants in need of payment terminals, gateways, and shopping cart integrations.

Value-Added Services

Bluestone Payments offers a few value-added services for merchants, including:

Website design for ecommerce merchants
Social media marketing features
Inventory management software
A gift card program

Supported Payment Types & Services

Merchants that choose Bluestone Payments as their merchant services provider will be able to accept the following forms of payment:

American Express
Debit cards
Electronic checks
Gift cards
Apple Pay
Google Pay
WeChat Pay

Bluestone Payments Payment Processing

  • Check Services
  • Credit Card Processing
  • Debit Card Processing
  • Mobile Commerce
  • Online Payments
  • Payment Gateway

Bluestone Payments Billing & Invoicing

  • Mobile Payments
  • Online Payments

Bluestone Payments Advertising & Sales

It does not appear that Bluestone Payments uses any unethical or deceptive marketing practices to gain new business. The company seems to primarily use its website and traditional sales methods to market its products and services. There is no evidence that Bluestone Payments is working with any type of independent contractors or outside sales team members.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Bluestone Payments Pricing, Rates & Fees


The Bluestone Payments website does not have a lot of information available about the company’s payment processing prices and fees. On the company’s Payment Terminals page, it mentions credit card processing rates as low as 3.79%.

However, Bluestone Payments also advertises a program it offers called the Choice Program or RewardPay Choice. This program is a surcharging model that allows businesses to lower their processing costs by adding a credit card fee to the customer’s final sale price. This program can be used to offer discounts to customers who choose to pay with cash or checks.

Bluestone Payments claims to be able to save merchants as much as 90% on their credit card processing costs.

Pricing at a Glance

Pricing Model


Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee

Equipment Lease Terms

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum

Statement Fee

Bluestone Payments Contract & Terms

Bluestone Payments offers contracts to merchants that have 48-month terms. This is called the “initial term” that automatically renews for an additional 24 months unless the services are canceled before the contract automatically renews.

Early termination of services will incur an early termination fee as liquidated damages unless this is prohibited by local laws. The termination fee will be $595 or the maximum amount set by local laws. If the company terminates the agreement, the termination fee will be $1,500.

Upon termination of services, all equipment must be returned to the company within 14 days at the merchant’s expense. Otherwise, the merchant’s account will be debited $525 for each piece of equipment.

Contract Length


Early Termination Fee


Bluestone Payments Setup & Support


Getting started with Bluestone Payments is fairly straightforward, although the company does not specify how long it might take to get set up with their services.

Merchants only need to submit a couple of months’ worth of processing statements and an application. Bluestone Payments will submit a report regarding costs and savings, and then if the merchant is in agreement, their merchant account will be open and the proper steps will be taken to prepare the business to accept payments.

Bluestone Payments offers customer and technical support 365 days a year, 24 hours a day. The company website has a Get Started page with a simple contact form for merchants to fill out and get an email response.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Bluestone Payments Complaints, Ratings & Reviews

BBB Rating

Bluestone Payments does not have a profile or a rating with the Better Business Bureau.

Other Online Reviews

There are no other online reviews available for Bluestone Payments by present or former merchant customers. However, it is possible that some of those reviews are left for Payroc, the company Bluestone Payments partners with for processing services.

There are currently no outstanding class-action lawsuits or FTC complaints for Bluestone Payments.











Total Online Reviews


Total Online Complaints




Bluestone Payments Alternatives


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