# Merchant Services Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Merchant Services Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/110828/PayConex --- # Merchant Services Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 24, 2025 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider’s website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Merchant Services ## What is Merchant Services? Bluefin specializes in integrated and stand-alone payment and data security technologies. Our PayConex gateway provides debit/credit card and ACH processing for face-to-face contactless, mobile, call center, Ecommerce and unattended payments in the U.S. and Canada. PayConex is backed by our suite of security solutions including PCI-validated point-to-point encryption (P2PE) for POS payments and iFrame, tokenization and hosted payment forms for Ecommerce. ## What is Merchant Services used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 9 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $9.95 Flat Rate, Per Month Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Merchant Services?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.bluefin.com&name=Merchant Services) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Merchant Services 3.7 (9) VS. [4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/) Starting Price $9.95 Flat Rate, Per Month Starting Price $30 Usage Based, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 3.6 (9) Ease Of Use 4.6 (103) Value For Money 3.5 (8) Value For Money 4.6 (93) Customer Service 3.4 (8) Customer Service 4.5 (92) ## Merchant Services alternatives Highest Rated [4.7 (3,630)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting price $23.99 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [4.1 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 76% of reviewers rated it above 4 stars [4.6 (3,330)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/110828/PayConex/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Debit/Credit Card Processing 3.8 (6) 50.00% of 6 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Online Payments 4.5 (4) 50.00% of 4 reviewers that rated this feature as important or highly important Accept and process online payment transactions Recurring/Subscription Billing 3.5 (4) 50.00% of 4 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service ACH Payment Processing 4.3 (3) 0.00% of 3 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Data Security 4.7 (3) 66.67% of 3 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy In-Person Payments 4.7 (3) 66.67% of 3 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Merchant Services 12 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Protect sensitive data for digital privacy Accept and process credit/debit card transactions Digitally sign online documents Transactions that typically involve face-to-face interactions between the payer and the payee Clients can submit payments via mobile devices Accept and process online payment transactions Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Integration with payment gateways to facilitate online transactions Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Automated process of charging customers at regular intervals for repeated access or use of a product or service View and track pertinent metrics to find patterns and gain insights from data Get Advice We can help you find the software with the features you need. Features 3.6 (9) 3.6 Based on 9 reviews ## Pricing Value for money 3.5 (8) [View pricing plan details](https://www.capterra.com/p/110828/PayConex/pricing/) Basic $9.95 Flat Rate,Per Month Value for money 3.5 (8) 3.5 Based on 8 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 3.4 (8) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.4 (8) 3.4 Based on 8 reviews ## User reviews Overall rating 3.7 Based on 9 reviews Filter by rating 5(3) 4(3) 3(1) 2(1) 1(1) Mentioned topic Sorted by most recent WG Wendy G. Financial Director Education Management ### "Would not recommend" 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 1/10 March 5, 2026 My overall experience with Bluefin is disappointment. I have never been fully satisfied with this program. Lacks many things: ease of use, customer support, value for money, etc... Pros What I like most about Bluefin Merchant Services is that it processes our payments pretty seamlessly & quickly. Cons What I like least about Bluefin is not just one thing. They have so many hidden fees. Their customer support is seriously lacking. The cost of using the program is always rising. It is somewhat confusing to understand other than simple transferring of payments. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FA Felix A. Owner Professional Training & Coaching ### "DO NOT USE MERCHANT SERVICES" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 February 4, 2025 That sounds incredibly frustrating and unethical. If they continued to charge you after closing your account and harassed you with excessive calls, you might want to report them to the Better Business Bureau (BBB), the Federal Trade Commission (FTC), and possibly your state’s attorney general. You could also dispute any unauthorized charges with your bank to try to recover the money. They continued to take money out of my checking account after the account was closed over a year ago. Pros NONE DO NOT USE MERCHANT SERVICES THE WORST COMPANY Cons ALL DO NOT USE THE WORST COMPANY I HAVE EVER USED Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MP Marco P. Owner Health, Wellness and Fitness ### "Use Merchant Services Every Day" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 September 7, 2023 Good! I need it. Can’t do without it. Pros We use it every single day. Very important. Haven’t had much trouble with it. We need to process in person credit card payment all day long and we are of course concerned about security and we haven’t experienced any issues with this. Glad to have it. Cons Never an issue that they couldn’t help with. Always there for support. Just a few flukes that come up with a few transactions and payments but they were resolved Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. ES Emily S. Sr Staff Accountant Computer Software ### "Does what it needs to but difficult to navigate" 3.0 Overall Rating 3.0 3.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 3.0 3.0 Likelihood to Recommend 4/10 February 10, 2023 Pros The reporting feature is straightforward. Cons It is not user friendly or customizable. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JM Jessie M. Office Manager Medical Practice ### "Merchant Services provides our business with a valuable service." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 September 22, 2022 Overall our experience with Merchant Services is wonderful. The software is easy to use and processes payments quickly and efficiently. It saves us so much time which allows us to be more productive in other areas of our business. Pros This software is very user friendly, quick and saves us so much time with processing payments. Cons Very rarely, but once in awhile when we run a payment for a patient, it will somehow end up on another patient's credit card. It is always resolved quickly, but rather annoying. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SR Sarah R. Psychotherapist Mental Health Care ### "Merchant Services User and Operator " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 April 11, 2022 Pros Product is easy to use and intuitive. It is directly integrated into the software I am using for my business. I am able to see and adjust payments in real-time. Cons When I have had challenges with the software, customer service has helped me promptly. Reasons for choosing Merchant Services Merchant Services is integrated in other software programs I use. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JP Jeffrey P. Ceo Design ### "Merchant services" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 September 7, 2021 3.5/5 I had to find a better merchant Pros The merchant services were ok just not as quick Cons I didn't have any to keep using them for ,the payments were not as quick to me Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Daniel P. Franchisee Transportation/Trucking/Railroad ### "Encrypted card reader" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 October 16, 2018 After considering other vendors, PayConex appears to be the most secure mobile card reader solution. Encryption was a must for us, so that pulled PayConex ahead of competitors to start. The app is easy to use and user friendly. Necessary tool to have to avoid being the next company that had it's customer's security compromised. Pros It is encrypted and provides more security than other popular options. Cons With a mix of the chip cards and swipe cards, there are some issues with inserting/swiping and it depends on the card provider. Some cards with chips, still require a swipe for some reason, which remains unknown so there is that moment of confusion at times when collecting payment. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SA Sheldon A. ### "Review of Bluefin-PayConex" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 0/10 November 17, 2016 Accurate information, ease of use and excellent customer service. can always contact a customer service rep via call or email. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/110828/PayConex/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)