BluePay

What you should know

BluePay's product offering is vast, and has solutions for just about every business type out there (they don’t support high-risk merchants though). Their greatest strength lies within their gateway, which enables you to accept payments online and integrate into hundreds of software platforms, and their omni-channel reporting, which reconciles all your transactions into one single reporting system, no matter how or where you accepted a payment. This video gives a quick introduction to BluePay.

Omni Channel Reporting

With an Omni-Channel payment processor like BluePay, you can accept payments in-store, online, over the phone, through their app - wherever. All those transactions are processed through a single payment processing platform, giving you access to in-depth business reporting. Understand your customers' behavior across all sales channels, locations, divisions and more. You can even add custom fields to your transactions so you can slice and dice your reports however you see fit.

B2B Payments

BluePay offers Level II and Level III payment processing for business to business transactions. These types of transactions are able to take advantage of lower credit card processing fees because much more information is required at the time of sale, which reduces the risk of fraud to BluePay. You'll have to jump through some extra hoops to qualify for Level II/III payments, but it's definitely worth it if a good chunk of your transaction volume is with other businesses.

Industry specializations

BluePay has specialized solutions for a plethora of industries. You can see a small sample of their industry specializations below, but keep in mind BluePay could be a great choice even if your industry isn't listed. 

• B2B

• eCommerce

• Community Banks or Credit Unions

• Government

• Property management

• Restaurants

• Retail stores

• Gas stations

• Hotel and Lodging

• Car and truck rental

• Nonprofits

• Churches

Accept Payments In-store

Bluepay is compatible with many major terminal manufacturers, including Verifone, Equinox, First Data, and more. You’ll be able to accept card payments, like swiped and EMV transactions, as well as NFC payments for your customers that have digital wallets, like Apple Pay.

Restaurant POS Systems

In addition to hardware terminals, BluePay integrates with the most popular restaurant point-of-sale systems. Aldelo, Micros, Squirrel, and Aloha are just a few of the POS systems that work seamlessly with BluePay.

Gas Station POS Sytems

If you run a gas station or convenience store, BluePay has integrations with the biggest gas station POS processing equipment. You’ll be able to accept fleet cards, like Voyager® and Wright Express®, take advantage of AFD (automated fuel dispenser) and pay at the pump processing, and utilize other features tailored specifically for gas station businesses. 

Hotel and Resort POS Systems

BluePay also integrates with hospitality POS systems. During your initial consultation, BluePay will help you customize your POS software so you can track data that is important to your business, like Folio number, incidental charges, arrival date, and departure date.

Accept Payments from Your Mobile Device

For accepting payments on your mobile phone or tablet, BluePay offers the Clover Go card reader and Clover iOS and Android mobile app. Take a peek at this 60 second video for a quick intro to the product.

Clover Go app

The Clover Go app is more than just a payments app. You can manage inventory, items counts, issue refunds and more. Check out the highlights:

• Accept swiped, EMV, manually entered, and NFC payments

• Scan cards with your device’s camera instead of typing in card number manually if your card reader isn’t working or MIA

• Create custom transactions on the fly with Quick Pay mode

• Customizable tip entering with pre-set amounts

• Issue refunds

• Create a full catalog of your inventory, including name, descriptions, and prices

• Quickly find inventory using the Search functionality

• Scan bar-codes on iOS devices

• Email or SMS receipts

• Integration with other Clover products, and you can even open  incomplete orders from other Clover devices

Clover Go card reader

When paired with the Clover Go app, the Clover Go “All-In-One” EMV card reader allows you to accept card and digital payments anywhere you go. It connects to your iOS or Android device via Bluetooth. 

Accept Payments Remotely

If your business needs to take card payments without your customer being physically present, like MOTO (mail order telephone order) transactions, you can key-in card information and accept ACH transactions from any internet connected device with BluePay’s Virtual Terminal.  The virtual terminal is part of the BluePay Gateway product, which is detailed in full in the Online tab.

Accept Payments Online or through Your Software

BluePay’s claim to fame is their BluePay Gateway product. With 10 awards since 2016, over 450 different out of the box software integrations, developer SDKs and payment APIs, and a range of other custom solutions for your online business, you’d be hard pressed to find a more technically capable payment processor. You will be able to send online invoices, accept credit and debit cards, B2B Level 2 & 3, ACH, and even online Apple Pay payments.

This 3-minute video gives an overview of the BluePay Gateway, and you can read more details about the various features below.

Integrations

BluePay Gateway has a tremendous amount of integrations ranging from online shopping carts, like 3d Cart and Magento, accounting (Quickbooks), and beyond to SalesForce and more. The benefit of all these integrations is that you can quickly connect to services you already use without needing to build custom connections or switch service providers, streamline your reporting, and even bill customers from within your integrated apps. 

Interactive Voice Response

BluePay offers an Interactive Voice Response (IVR) solution that allows your customers to make payments and manage their accounts with a touchtone phone. You can customize the language, options, voice, and more. All IVR transactions flow into the BluePay Gateway, and you can even build integrations into your own software using the BluePay API.

Recurring Billing

If you need to bill your customers on a regular basis, BluePay’s recurring billing solution is made for you. Customize when your customers are billed and for how much, and even allow your customers to set up a schedule for when they want to be charged. You can also take advantage of the Account Updater feature, which automatically updates your customer’s card information when it changes, preventing interruptions of service and reducing declined authorizations.

BluePay APIs

BluePay has a robust set of payment APIs you can use to build a payments solution directly into your custom software. They have APIs for PHP, Ruby on Rails, Perl, Java, Python, C#, C++, and VB platforms, and gives you access to all of BluePay's product offerings. Their Developer Center has a full set of documentation, code library, access to sandbox accounts, tests, and more resources.

Security

As you would expect from a technology forward company, BluePay’s security is top notch. Their products include Point-to-Pont Encryption (P2PE) that encrypts data from the moment a card is swiped, Hosted Payment Forms, and more. Check it all out below.

Hosted Payment Form

The Hosted Payment Form is an online checkout form that is hosted by BluePay. When your customer decides to check out and make a purchase on your site, they are transferred from your site to the Hosted Payment Form. The payment form is on BluePay’s server, which means that no customer data ever passes through your systems, and can improve your site's security and reduce the cost and scope of PCI compliance. You have the option of using one of BluePay’s checkout form templates, or you can create your own custom checkout form and BluePay will host it on their server so a seamless customer experience is maintained. The Hosted Payment Form works with donations too.

Protection Transaction Keypad

Protect the payments you accept through the virtual terminal using the Protected Transaction Keypad (PTK). The PTK is an on-screen PIN pad that you click card data into rather than using a keyboard, which mitigates screen grabbing malware because numbers appear in random locations on the screen.

TokenShield

TokenShieldSM is BluePay’s tokenization product. Tokenization protects your customer’s stored credit card or bank account data by replacing sensitive information with encrypted IDs, AKA tokens. This means you never store your customer's unencrypted data on your systems, reducing your PCI compliance risk. BluePay has two tokenizations options:

• Customer-defined tokens - Use an existing customer number or another unique customer identifier that is already in your system to serve as the unique token identifiers

• BluePay-defined tokens - BluePay creates a unique identifier for all transactions, which means you don’t have to create your own custom numbering system for transactions

Fraud Protection

BluePay provides a variety of customizable fraud prevention and management tools so you can protect yourself and your customers against fraudulent activities. Some of the highlights include:

• On-Hold Functionality - Set parameters to allow specific transactions to remain on hold until you can manually approve or decline them. Parameters you can filter by include minimum and maximum sales amounts, Address verification, card verification, card issuing country, and Geographic IP address

• Create a database of identified fraudsters to reject transactions for by IP, email, or address, or use BluePay’s global database that is updated daily