Note: As of January 2022, the Tru Blu Pay website is down, and the BBB has a note on the company's profile saying they believe they are out of business. We believe the company is no longer in operation and will therefore no longer update this review. If you have information that Tru Blu Pay is still operating, please let us know in the comments below.
A Company With No Clear History
Based in Portland, Oregon, Tru Blu Pay is a merchant account provider that resells First Data (now Fiserv) contracts. There is no record of the company's website before 2019, and the company does not provide any details about its ownership or history to the general public.
Possible Affiliated Companies
Tru Blu Pay's address is the location of a virtual office in Portland, which means that multiple companies may list it; it is also worth noting that the low-rated processors Riverside Payments, National Paymentech, United Card Solutions, National Card Solutions, Chyp, and Securus also operate out of the Portland area.
Possible PayPartners DBA
One commenter has suggested that the company is connected to a processor called One Connect Processing, and both the One Connect Processing website and the Tru Blu Pay website share strong similarities with the website of PayPartners, yet another low-rated payment processor in Portland. A few online complaints about One Connect Processing refer to a sales representative named “Jon E*******”, who may be Jon Erickson, a National Card Solutions sales agent who is the subject of frequent online complaints. In fact, the bulk of the available evidence strongly suggests that One Connect Processing and Tru Blu Pay are both DBAs of PayPartners, which is itself a rebranding of National Card Solutions.
Tru Blu Pay Payment Processing
Tru Blu Pay appears to process most major debit and credit cards. Their site lists services including EMV swipers, POS systems, mobile payments, e-commerce solutions, MOTO pay processing, and digital wallets. It is unclear what specific options are available for each of these.
Tru Blu Pay Location & Ownership
Tru Blu Pay is headquartered at 111 SW 5th Street, Suite 3150, Portland, OR 97204, though the BBB lists 121 SW Salmon St. 11th Floor Portland, Oregon 97204. The company does not list its acquiring bank. Tru Blu Pay does not disclose the names of its management team.
Tru Blu Pay Review Table of Contents
- Costs & Contract: Tru Blu Pay offers a three-year contract through First Data (Fiserv) with an undisclosed early termination fee.
- Complaints & Service: Tru Blu Pay complaints number fewer than 10 on public complaints websites.
- BBB Rating: Tru Blu Pay currently has a no rating with the Better Business Bureau and has received 6 complaints and 3 informal reviews in the last 3 years.
- Sales & Marketing: Tru Blu Pay appears to hire independent sales agents and has received some complaints about its sales practices.
Frank Prisco
Signed up with TruBluPay starting 11/1/2019. They hooked us up with FirstData as our processor, I thought that was odd. TBPay promised us exceptional processing rates and also offered a signing bonus to ice the deal. We do process well over a mill a year in cc transactions. WHAT A MISTAKE it was going thru TBP. It appears they will say and promise anything in order to get you onboard. I am now locked in pitch battle with First Data trying to get the rates promised by TBP. First Data hit us with super max fees for the first month of processing. I was livid when I audited our first months statement, It felt like we had been absolutely robbed. The processing industry has become a totally lawless frontier where anything goes. Businesses Beware!
CPO
Frank,
Resellers of First Data or any major processor reserve the right to alter the terms and conditions of standard merchant contracts from the provider they are reselling. Understanding the rates and fees attached to major resellers whose contracts are being resold is one way a merchant can have some insight into the prospective cost.
Frank Prisco
Brian:
If that is the case then what is the purpose of the “agreement” . It appears that you all can operate with impunity and reckless abandon. It is simple, companies like yours are predatory and will do and say anything to get the signatures in the right places thereby unknowing obligating hard working managers and owners.
Scott Holgate
I’ve had Tru Blu Pay processing for about 5 months and it’s been TERRIBLE. Their customer service hardly answers the phone – it feels like this is run out of some guy’s garage. The tech support is all out of country with very hard to understand English. HORRIBLE