True Blue Pay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Companies looking to improve their payment products, both with mobile and with POS integration.

Specializes in

Providing multiple options for payment processing products. They offer a gateway to integrate with POS systems and also focus on top-level security for the whole business process. With offices in Canada and Australia, they do work with American companies but offer a more worldwide scope.

Pricing Summary

Setup Fee: 

Monthly Fee: 

Swipe Rate: 

Keyed-in Rate: 

Early Termination Fee : 

Contract Terms:

Visit True Blue Pay

Claudio Lai is listed as the company president.

The home office for True Blue Payments is located in Vancouver, CA.

They have been in business for over 20 years.

True Blue Pay Overview


True Blue Pay was established over twenty years ago to develop a technologically integrated payment processor. In the past two decades, they have made it their goal to remain on that cutting edge and offer the highest level to their customers.

They provide the front end of the credit card processing system and work with some of the largest merchant account providers on the back end.

The goal is to provide a seamless and secure gateway to every merchant they work with. By focusing on mobile and brick-and-mortar operating systems, they have been able to create a product that offers above industry standard processing to their clients.

Despite being in business for over twenty years, there is no information to be found on them anywhere. They do not have a Better Business Bureau profile or rating and there are no company reviews to be found anywhere online.

Quick Facts

Head Quarters

Year Founded



Merchant Provider Risk Tolerance

What We Like

Specializes in small and local businesses and e-commerce and POS merchants.

No set up fees.

Processes point of sale, mobile, EMV and e-con transactions.

Zero account set up fee.

United States based customer service.

What We Don't Like

Early termination fee.

Three year contract term.

Variable monthly fee.

Uses telemarketers and independent sales agents to increase business.

Pricing information is not available.

Industries Served

Business Types Served

True Blue Pay Products & Services


Hardware and Software

True Blue does offer a single EMV/swipe card option. They don’t offer any variety in this department to suit different business levels and needs.

In contrast, they have multiple scalable options for software to integrate with merchant POS systems. They also offer a mobile payment processor that works with all tablets and smartphones.

With their integrated software and payment options, they focus most of their efforts on streamlining the virtual terminal instead of actual payment terminals.

Value-Added Services

There are no value-added services listed on their website. They do however boast of the third-party integrations they are capable of offering.

True Blue Payment is compatible with almost every major eCommerce shopping cart system.

They make mention of gift cards and loyalty cards in their accepted payments, but do not reference being the ones to set them up.

Supported Payment Types and Services

American Express
Pin Based Debit
Electronic Benefits (EBT)
Flexible Spending Cards (FSA)
Gift Cards
Loyalty Cards
Electronic Check Conversion (ACH)
Alternative Payments

They do not list any other forms of accepted payment on their website, however, they do mention accepting tap payment, which may mean they accept Apple Pay and Google Pay.

True Blue Pay Payment Processing

True Blue Pay Billing & Invoicing

True Blue Pay Advertising & Sales

There is no mention on their website as to the types of marketing they employ.

It appears they rely on their partners for a portion of their advertising. The list of other companies they work with, both merchant account providers and front-end integrated partners, is extensive.

There is no link on their website to careers. This prevents the assumption of marketing type based on their employee needs.

Truth in Marketing

Discloses All Important Terms

Public Pricing Available

True Blue Pay Pricing, Rates & Fees


There are no prices listed on their website. When compared to other payment aggregators like Square, Stripe, and PayPal, it can be assumed that True Blue Payments charges a set rate per transaction.

There are no real numbers presented on their website. This may be an indication that pricing can vary depending on the merchant. If this is the case they will take into account the size of the business, the risk of the business, and the volume of the transactions processed.

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

True Blue Pay Contract & Terms

There are no listed contracts or terms to be found on the company website.

They do advertise being able to work with any business, regardless of size or risk level. The lack of contract disclosure is most likely because each contract needs to be specific to the business.

Terms and rates are most likely negotiated with the contract when the contract is signed.

Contract Length

Early Termination Fee

True Blue Pay Setup & Support


True Blue Payments states there is minimal application and setup time required to get the merchant to accept payments.

This is most likely about using their online payment app and software. There would be a delivery wait period for the arrival of the hardware. This can often take 7-14 days depending on the delivery service.

The website offers the industry-standard telephone number and email address to cover customer and tech support.

There is no indication of available hours and this could be problematic as it looks like their offices are either in Western Canada or in Australia.

Setup Highlights

Support Highlights

True Blue Pay Complaints, Ratings & Reviews

BBB Rating

There is no Better Business Bureau rating or profile.

Other Online Reviews

There are no reviews found anywhere online. Both internal and external reviews are nonexistent. Even on their website, it is impossible to find customer reviews.







Total Online Reviews

Total Online Complaints


True Blue Pay Alternatives


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