---
description: Learn more about Merchant Services price, benefits, and disadvantages for businesses in Australia. Read reviews from verified users and discover similar tools that fit your business needs.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Merchant Services Cost & Reviews - Capterra Australia 2026
---

Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Merchant Services](/software/110828/payconex)

# Merchant Services

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> Payment platform that offers ISVs, SaaS providers and merchants a suite of highly secure technology features, reducing PCI Scope.
> 
> Verdict: Rated **3.7/5** by 9 users. Top-rated for **Likelihood to recommend**.

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## Overview

### Who Uses Merchant Services?

Bluefin provides both integrated and stand-alone solutions for retail, higher education, healthcare, hospitality and more, serving SMB's to enterprises to Fortune 500 companies.

## Quick Stats & Ratings

| Metric | Rating | Detail |
| **Overall** | **3.7/5** | 9 Reviews |
| Ease of Use | 3.6/5 | Based on overall reviews |
| Customer Support | 3.4/5 | Based on overall reviews |
| Value for Money | 3.5/5 | Based on overall reviews |
| Features | 3.6/5 | Based on overall reviews |
| Recommendation percentage | 60% | (6/10 Likelihood to recommend) |

## About the vendor

- **Company**: Bluefin Payment Systems
- **Founded**: 2007

## Commercial Context

- **Starting Price**: USD 9.95
- **Pricing model**: Flat Rate
- **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000
- **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile), iPad (Mobile)
- **Supported Languages**: English
- **Available Countries**: United States

## Features

- ACH Payment Processing
- Debit/Credit Card Processing
- In-Person Payments
- Mobile Payments
- PCI Compliance
- Payment Fraud Prevention
- Payment Gateway Integration
- Recurring/Subscription Billing
- Reporting/Analytics

## Support Options

- Chat

## Category

- [Payment Processing Software](https://www.capterra.com.au/directory/30232/payment-processing/software)

## Alternatives

1. [PayPal](https://www.capterra.com.au/software/179251/paypal) — 4.6/5 (26301 reviews)
2. [Venmo](https://www.capterra.com.au/software/182159/venmo-) — 4.7/5 (9271 reviews)
3. [Stripe](https://www.capterra.com.au/software/123889/stripe) — 4.6/5 (3309 reviews)
4. [Square Payments](https://www.capterra.com.au/software/170278/square-payments-processing) — 4.7/5 (2672 reviews)
5. [Square Point of Sale](https://www.capterra.com.au/software/154907/square-point-of-sale) — 4.6/5 (3021 reviews)

## Reviews

### "Would not recommend" — 2.0/5

> **Wendy** | *5 March 2026* | Education Management | Recommendation rating: 1.0/10
> 
> **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.
> 
> 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...

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### "DO NOT USE MERCHANT SERVICES" — 1.0/5

> **Felix** | *4 February 2025* | Professional Training & Coaching | Recommendation rating: 0.0/10
> 
> **Pros**: NONE DO NOT USE MERCHANT SERVICES THE WORST COMPANY
> 
> **Cons**: ALL DO NOT USE THE WORST COMPANY I HAVE EVER USED
> 
> 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.

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### "Encrypted card reader" — 4.0/5

> **Daniel** | *16 October 2018* | Transportation/Trucking/Railroad | Recommendation rating: 8.0/10
> 
> **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.
> 
> 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.

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### "Use Merchant Services Every Day" — 4.0/5

> **Marco** | *7 September 2023* | Health, Wellness & Fitness | Recommendation rating: 8.0/10
> 
> **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
> 
> Good\! I need it. Can’t do without it.

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### "Merchant Services User and Operator" — 5.0/5

> **Sarah** | *11 April 2022* | Mental Health Care | Recommendation rating: 10.0/10
> 
> **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.

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## Links

- [View on Capterra](https://www.capterra.com.au/software/110828/payconex)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.capterra.com/p/110828/PayConex/> |
| en-AE | <https://www.capterra.ae/software/110828/payconex> |
| en-AU | <https://www.capterra.com.au/software/110828/payconex> |
| en-CA | <https://www.capterra.ca/software/110828/payconex> |
| en-GB | <https://www.capterra.co.uk/software/110828/payconex> |
| en-IE | <https://www.capterra.ie/software/110828/payconex> |
| en-IL | <https://www.capterra.co.il/software/110828/payconex> |
| en-IN | <https://www.capterra.in/software/110828/payconex> |
| en-NZ | <https://www.capterra.co.nz/software/110828/payconex> |
| en-SG | <https://www.capterra.com.sg/software/110828/payconex> |
| en-ZA | <https://www.capterra.co.za/software/110828/payconex> |

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