# Merchant Services Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Merchant Services the right Payment Processing solution for you? Explore 9 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/110828/PayConex/reviews --- Merchant Services 3.7 (9) [View alternatives](https://www.capterra.com/p/110828/PayConex/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated August 24th, 2025 # Reviews of Merchant Services Ease of use 3.6 Customer Service 3.4 ## Showing most helpful reviews Showing 1-9 of 9 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Daniel P. Franchisee Transportation/Trucking/Railroad Used the software for: 1-2 years ### "Encrypted card reader" October 16, 2018 4.0 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 MP Marco P. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Use Merchant Services Every Day" September 7, 2023 4.0 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 WG Wendy G. Financial Director Education Management Used the software for: 2+ years ### "Would not recommend" March 5, 2026 2.0 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 SR Sarah R. Psychotherapist Mental Health Care Used the software for: 6-12 months ### "Merchant Services User and Operator " April 11, 2022 5.0 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. Reason for choosing Merchant Services Merchant Services is integrated in other software programs I use. Review Source JM Jessie M. Office Manager Medical Practice Used the software for: 2+ years ### "Merchant Services provides our business with a valuable service." September 22, 2022 5.0 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 FA Felix A. Owner Professional Training & Coaching Used the software for: Less than 6 months ### "DO NOT USE MERCHANT SERVICES" February 4, 2025 1.0 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 ES Emily S. Sr Staff Accountant Computer Software Used the software for: 2+ years ### "Does what it needs to but difficult to navigate" February 10, 2023 3.0 Pros The reporting feature is straightforward. Cons It is not user friendly or customizable. Review Source JP Jeffrey P. Ceo Design Used the software for: Less than 6 months ### "Merchant services" September 7, 2021 5.0 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 SA Sheldon A. Used the software for: ### "Review of Bluefin-PayConex" November 17, 2016 4.0 Accurate information, ease of use and excellent customer service. can always contact a customer service rep via call or email. Review Source Similar Products Featured ## Related categories [Payment Processing](https://www.capterra.com/payment-processing-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.