BlueDog is a merchant account provider that provides several payment processing solutions. They work with merchants across varying risk profiles, including those that operate in high-risk industries. A merchant can use BlueDog to procure payment processing, terminals, POS software, mobile payment solutions, and several related services.
|Swipe Rate||1.49% + $0.15|
|Keyed-in Rate||2.98% + $0.15|
|Early Termination Fee||$0|
|Contract Terms||3 Years|
BlueDog was founded in 2010 by a co-founder of the Eliot Management Group. The company is headquartered in Vero Beach, Florida, and is a registered ISO/MSP of Wells Fargo Bank. BlueDog works with a wide variety of merchants, including those who operate in sectors like:
- Guns and firearms
- Restaurants and bars
BlueDog resells payment processing products from First American Payment Systems and First Data. They also resell Clover POS products. The company offers a variety of payment processing solutions, including terminal leases, ACH processing, and mobile payment processing.
BlueDog gives merchants the option of using an interchange+ or flat-rate pricing model. Its rates vary based on the merchant’s risk profile and the type of payment that’s being processed. The company favors a three-year contract with an early termination fee.
There have been some complaints about BlueDog’s sales tactics. But the company doesn’t advertise misleading quotes and it currently has an A rating with the BBB.
BlueDog Pros & Cons
BlueDog Products & Services
Payment Processing and Virtual Terminals
BlueDog stands out from its competitors by offering a variety of payment processing pricing models to choose from. Merchants can pick between the following options:
- Cash discount
This gives you some flexibility in finding the fee structure that works best for your company. BlueDog’s virtual terminal lets you run a variety of transaction types, securely store customer records, and set up recurring billing, among other useful features.
BlueDog says that its POS solutions let you run your business through a single device. That might be a bit overstated. But the company’s POS products do offer a lot of capabilities. There are several different options to choose from, including Vend. This is a POS solution that offers a number of helpful tools to make selling, managing, and reporting easier for merchants.
You can also get a terminal through BlueDog. The company’s options include the following:
- Fetch A920
- Fetch Z11
- Fetch Z9
- Fetch Z6
- Clover Flex
- Clover Mini
Each of these devices has its own set of features. But all of them will accept virtually any payment type that you might want to process in person.
BlueDog Advertising & Sales
BlueDog’s advertising practices seem pretty fair on the whole. The company does say that it offers great low rates but it’s not specific about what those look like. But this is fairly standard practice across the payment processing industry.
The company’s sales practices are a bit disappointing. They use independent sales agents alongside in-house telemarketers. Several merchants have complained about BlueDog’s misrepresentation of rates and nondisclosure of fees during the sales process.
Truth in Marketing
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||Yes|
|Public Pricing Available||Yes|
BlueDog Pricing, Rates & Fees
The company’s pricing structure can vary a bit depending on the risk profile of the merchant. But we do know a bit about what their standard fees look like.
For its virtual terminal, BlueDog charges 1.89% + $0.23 – 2.9% + $0.30. The company’s keyed-in rate starts around 2.98% + $0.15. And its interchange-plus rate is IC + 0.3% + $0.15 usually.
BlueDog does not charge any payment gateway fees or PCI compliance fees. But the company does have an early termination fee of $495. It also charges a $9.95 monthly fee and a $5 statement fee.
Pricing At A Glance
|Pricing Model||Interchange Plus, Flat Rate|
|Swiped Rate||1.49% + $0.15|
|Keyed-in Rate||2.98% + $0.15|
|Mobile Payment Rate|
|Virtual Terminal Rate||1.89% + $0.23 - 2.90% + $0.30|
|Payment Gateway Fee||None|
|Early Termination Fee||$0|
|PCI Compliance Fee||$495|
|Equipment Lease Terms||48 Month (locked)|
|Address Verification Service (AVS)|
|Account Setup Fee||$0|
|Gateway Setup Fee|
|Statement Fee||$5 Per Month|
BlueDog Contract & Terms
BlueDog favors a three-year contract. This has an early termination fee of $495. So you want to make sure that you’re going to be a long-term client of BlueDog before agreeing to sign a contract with them.
The company also offers equipment leases. Merchants can purchase terminals outright or lease them over the course of a 48-month contract.
BlueDog Setup & Support
Setting up your service with BlueDog is a pretty straightforward process. The company doesn’t charge any onboarding fees. It also has an online knowledge base you can refer to if you run into any issues. Additionally, BlueDog offers recorded video training and live 1-on-1 support to make sure you can set up its products correctly.
The company’s support offerings are also solid. BlueDog has domestic phone support available during business hours. It also has an online FAQ you can refer to for answers to common questions. BlueDog even provides after-hours offshore tech support as well.
BlueDog Complaints, Ratings & Reviews
BlueDog currently has an A rating with the Better Business Bureau. The company has received a moderate number of merchant complaints. Most of these revolve around unexpected fees, deceptive sales tactics, and poor customer service. But BlueDog’s low number of complaints suggests that experiences like these aren’t common.
|BBB||A- and has been Accredited since 2019. (5 Reviews; 19 Complaints)|
|4.7 Stars / 380 Reviews|
|Total Online Reviews||400+|
|Total Online Complaints||20+|