Payment processor
BlueSnap is a Boston-based payment gateway and processor, owned by Payroc since October 2025, with a published flat-rate fee schedule, multi-currency processing and built-in subscription billing.
Strengths
Watch out for
Best for
Subscription and cross-border merchants who want published pricing and can work with an itemized fee schedule.
| Type | Payment processor |
|---|---|
| Pricing model | flat rate (published schedule; may change after risk review) |
| Card rate | 2.90% + $0.30 (US-issued cards, US schedule) |
| International | Non-US issued cards: 4.40% + $0.30 |
| Monthly fee | $75 platform access fee in months with sales under $5,000 (waived for the first 6 months) |
| Setup fee | Not published |
| Chargeback fee | $25 per chargeback |
| High-risk businesses | Not published |
|---|---|
| Dropshipping | Not published |
| Reserves | Not published |
| Payout speed | Daily payouts, 2 business days from settlement (US schedule) |
|---|---|
| Merchant countries | Pricing schedules published for the US, Canada, UK, Europe, Israel, Australia and all other regions; the Shopify integration supports the US, Australia and Israel. |
| Currencies | Multi-currency processing; the US schedule settles in USD |
| Shopify | Third-party gateway |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Yes |
| Multiple MIDs | Not published |
| Token portability | Not published |
US schedule add-ons include Subscription Manager at 0.70% of recurring value, manually entered cards at 0.50%, default fraud screening at $0.05 per transaction, 3D Secure at $0.05, account updater at $0.50 per repair, and $50/month per MID without valid PCI documentation. Apple Pay and Google Pay add no fee beyond card rates. The US schedule requires a US legal entity.
BlueSnap's prohibited items list includes cryptocurrency, get-rich-quick schemes, credit repair, debt relief, outbound B2C telemarketing, replica goods and weapons. Supplements and dropshipping are not named.
The US schedule settles in USD; US ACH transfers cost $0.50 and wires $20.
On Shopify, BlueSnap connects as a third-party provider through the NMI gateway option, cards only and without 3-D Secure. The WooCommerce plugin supports Apple Pay, Google Pay, ACH and WooCommerce Subscriptions.
BlueSnap sources · checked 2026-10-21