Tru Blu Pay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small and local businesses, E-commerce and POS-based merchants. Advertised to "serve every type of business across a variety of industries."

Specializes in

Processing POS payments, mobile payments, EMV payments, and e-com sales via the company's payment gateway.

Pricing Summary

Setup Fee: $0

Monthly Fee: Variable

Swipe Rate:  1.00% - 4.99%+

Keyed-in Rate:  1.00% - 4.99%+

Early Termination Fee : Variable

Contract Terms:

3 Years
Visit Tru Blu Pay

Tru Blu Play is a merchant account provider that resells the contracts of electronic payment processing company, First Data. Under these contracts, Tru Blue Play provides merchants with the equipment necessary for accepting POS, mobile, EMV, and e-commerce transactions. Each merchant contract depends uniquely on that merchant's specific business needs.

Tru Blu Pay Overview


Tru Blu Play is a merchant account provider based in Portland, Oregon. The company was established in 2019 and its newness currently reflects in the company's very limited website. Tru Blu does not disclose any information about its current ownership, the firm's acquiring bank, or its company history.

Tru Blu Play resells the contracts of First Data to new merchant clients. These contracts are meant to provide merchants with the equipment and connections to financial institutions needed to accept POS, E-com, Mobile, and EMV payments from their clients.

Quick Facts

Head Quarters

Portland, OR

Year Founded






Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Tru Blu Pay Products & Services



Tru Blu Pay offers a fully-integrated payment processing solution for Point of Sale (POS) transactions, which is advertised to be an "efficient, reliable and customizable" solution.

Payment Processing Gateway

Tru Blu Pay administers a payment processing gateway that e-commerce merchants can connect their online stores' shopping cart to in order to securely process customer transactions made online.

Mobile Payment Solutions

Tru Blu Pay provides the equipment necessary for merchants to use their smart devices to accept payments on-the-go. This mobile payment solution is said to handle both chip and swipe card transactions.

EMV Payments

Tru Blu Pay Provide merchants with the necessary equipment to accept EMV transactions. EMV chip technology is meant to provide an additional layer of protection against fraud and counterfeit purchases. Most credit and debit cards today are designed with an EMV chip for

Moto Payments

Solutions to assist merchants with accepting "card-not-present" transactions such as mail or telephone-order sales. This can be helpful for businesses whose customer base is reluctant to entering payment information online.

Tru Blu Pay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Virtual Terminal

Tru Blu Pay Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Tru Blu Pay Advertising & Sales


Tru Blu Pay's marketing consists primarily of contracted, independent sales agents and telemarketing callers. As common when employing both of these sales tactics, Tru Blu has faced multiple complaints regarding its persistent calling tactics.

On its official website, Tru Blu Pay states that the company is committed to being transparent with their pricing and only selling merchants on services that would fit their unique business model. Despite this, however, there is no mention of pricing anywhere on the company's website.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Tru Blu Pay Pricing, Rates & Fees


Pricing information is not disclosed on Tru Blu Pay's official website, however, Tru Blu's affiliation with One Connect Processing can give us an indicator of what the contract terms might look like. One Connect's contracts, which are also commonly used among other similar-tier merchant providers, are advertised to merchant clients as being: "0% for debit transactions, 1% for credit transactions, and $79/month."

It is advised to be very careful about entering these types of contracts because of reported hidden fees and 4-year, un-cancellable agreement with $79/month payments. This contract type is criticized because it locks the merchant into paying $79/month for 4 years to lease a credit card terminal(s), which are worth approximately $300 a piece.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

1.00% - 4.99%+

Keyed-in Rate

1.00% - 4.99%+

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%+

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

Tru Blu Pay Contract & Terms

Allegedly, Tru Blu Pay's standard contract involves a 3-year agreement along with a 4-year equipment lease agreement. The former is a contract administered with Fiserv and the latter (4-year) contract is a fixed monthly fee for leasing transaction-processing equipment.

Potential clients should also expect to see an Early Termination Fee (ETF) in the contract however Tru Blu has not specified one at this time.

Contract Length

3 Years

Early Termination Fee


Tru Blu Pay Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Tru Blu Pay Complaints, Ratings & Reviews

There are currently a small number of complaints against Tru Blu Pay, however the company was also recently established (2019.) A majority of those complaints are criticisms of the company's aggressive sales tactics and telemarketing.

There are currently no outstanding FTC violations or class-action lawsuits against Tru Blu Pay.

Tru Blue is not a BBB-accredited business but it does maintain a profile with the Better Business Bureau. The company's BBB profile has a current "D-" rating with 7 complaints - 5 of which have been resolved, and the other 2 have to do with billing and collection issues.



D-(7 complaints)








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