Complete Guide to Payment Methods with BlueSnap

BlueSnap is a global payment platform that helps e-commerce, B2B, and SaaS businesses grow. It lets companies accept payments in several international currencies and supports many alternative payment methods.

In this guide, we break down BlueSnap’s payment options and gateway features, and explain how they help improve global sales. We also mention Wise Business, which helps you accept card payments online in currencies - a great option if you have customers all over the world.

How does payment processing work with the Bluesnap payment method?

BlueSnap operates as a Global Payment Orchestration Platform ¹. This means it is serving as the single technical bridge between your business and a global network of acquiring banks.

Instead of just sending a transaction to a single processor, its intelligent routing engine automatically directs each payment to the local bank most likely to approve it based on the customer’s location and card type. This all-in-one system supports over 200 regions with a localised checkout experience ²

Accepting payments with BlueSnap as a business

Getting started with BlueSnap means going through a simple onboarding process that keeps everything secure and compliant worldwide. Since it works as both your payment gateway and merchant account, you don’t need to deal with a bank separately.

They handle the checks, set up, and route payments through the appropriate local banks behind the scenes. This means your payments go through more smoothly, no matter where your customers are.

Step 1: Account Application and Underwriting

The process begins with a formal merchant application to meet Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements ³. You’ll need to submit standard business documents, such as your Articles of Incorporation, government-issued IDs for the business owners, and a voided check or bank letter confirming your payout destination.

Their underwriting team then reviews this information to evaluate your business risk profile. They make sure everything aligns with global financial regulations.

Step 2: Selection of Integration Method

While your application is moving forward, the next step is deciding how you want to connect your store to BlueSnap’s Powered Buy platform.

You’ve got three main options, depending on how hands-on you want to be:

• BlueSnap Checkout: A ready-made, hosted payment page that needs very little coding and helps keep PCI compliance simple (SAQ-A) ⁴.
• Payment API: A fully flexible option for developers who want complete control and a custom-built checkout experience.
• Third-Party Plugins: Pre-built integrations for popular platforms like BigCommerce, WooCommerce, and Adobe Commerce (Magento), so you can get up and running quickly ⁵.

Step 3: Configuration of Payment Methods and Currencies

Inside the BlueSnap Merchant Portal, you simply choose which payment methods you want to accept. You can use global credit and debit cards, including Visa, Mastercard, and American Express, as well as digital wallets such as Apple Pay, Google Pay, and PayPal. You can also enable local payment methods like SEPA, ACH, and iDEAL to make checkout easier for international customers ⁶.

This is also where you set your Presentment Currencies, so customers can see prices and pay in their own local currency. That small detail makes the checkout process feel familiar and trustworthy. It also helps reduce cart abandonment.

Step 4: Sandbox Testing and Authentication

Before going live, BlueSnap gives you access to a Sandbox environment that works just like the real one ⁷. You can test payments using dummy card details to check that your integration, webhooks (Instant Payment Notifications), and automated emails are working correctly. That transaction data flows smoothly between your site and the BlueSnap gateway.

Step 5: Setting Payout Rules and Going Live

Next, you set up how and when you want to receive payments. Choose your payout currency (USD, EUR, GBP, etc.) and minimum payout amount. When your underwriting is approved, and test transactions pass, your account moves to Production mode. This lets you accept real payments from customers in over 200 regions.

BlueSnap accepted payment methods

BlueSnap helps you go global by supporting hundreds of payment types and currencies. Offering a localised checkout makes it easier for customers to pay. It also reduces cart drop-offs and boosts approval rates.

Below are the primary payment methods accepted by BlueSnap as of late 2025 ⁶:

1. Major Credit and Debit Cards

Full support for global networks, including:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• JCB
• UnionPay

2. Digital Wallets (eWallets)

Integration with popular mobile and online wallets:

• Apple Pay
• Google Pay
• PayPal
• Click to Pay

3. Direct Debit and Bank Transfers

• ACH/ECP: For transactions within the United States.
• SEPA Direct Debit: For regional payments across the European Union.
• iDEAL: The leading bank transfer method in the Netherlands.
• PAD (Pre-Authorized Debit): Specifically for Canadian customers.
• BECS: For direct entry payments in Australia.

4. Local and Alternative Payment Methods (APMs)

BlueSnap provides access to region-specific methods to cater to regional preferences, such as:

• Boleto Bancário: Essential for the Brazilian market.
• Alipay: Widely used in China and by Chinese shoppers globally.
• RuPay: Specifically for the Indian market.
• Local Cards: Support for regional cards like Elo and Hipercard (Brazil), Dankort (Denmark), and Cartes Bancaires (France).

5. Buy Now, Pay Later (BNPL)

• Splitit: Integration that allows customers to pay in interest-free installments using their existing credit cards.

BlueSnap payment fees and costs

BlueSnap’s pricing is flexible and grows with your business. Big companies can negotiate Interchange-plus rates, while small and mid-sized businesses usually use a clear flat-rate or pay-as-you-go model.

One big plus is BlueSnap’s Local Acquiring network. By routing payments through local banks in 47+ countries ⁹, it helps businesses avoid the extra 1%-2% cross-border fees ¹⁰. It usually applies when customers pay with cards from another region.

International Payment Processing Fees

BlueSnap’s fees are determined mainly by the location of your business entity and the type of card being processed.

Below is a breakdown of the standard international and domestic rates as of late 2025: ²

Region	Transaction Fee (Standard)	Fixed Fee (per transaction)
United States	$2.90%	$0.30
United Kingdom	1.40% to 1.50%	£0.20
European Union	1.50%	€0.25
Australia	1.75%	$0.30 (AUD)
Canada	2.90%	$0.30 (CAD)
International Cards	3.90%	Varies by region

If you sell in one currency but get paid in another, BlueSnap adds a currency conversion markup. To avoid this, use “Like-for-Like” settlement and get paid in the same currency as the sale (up to 16 major currencies), as long as your bank account supports it ¹¹.

Tips for Managing Payments with BlueSnap

Looking ahead to 2026, businesses should focus on automation and built-in security. The more you automate, the less manual work you’ll deal with. Plus, the better protected your revenue will be!

Automate AR with ERP Sync

If you’re a B2B business, use BlueSnap’s BigCommerce B2B Excellence integration ¹². It automatically syncs payments with ERPs like NetSuite or Microsoft Dynamics 365. So, when an invoice is paid, your books update instantly. There’s no manual entry needed.

Use Integrated Tax Compliance

BlueSnap works with Avalara to handle tax and VAT at checkout ^{13 .} This means the correct tax rates are applied automatically based on location, helping you stay compliant with global rules like GDPR and PSD2 without tracking every tax law yourself.

Turn On AI-Driven Fraud Protection

BlueSnap’s built-in Kount integration uses smart identity and device checks to stop fraud before it happens ¹³. This helps reduce chargebacks while avoiding unnecessary declines for genuine customers.

Apply Compliant Surcharging

If your business model allows for passing on processing costs, use BlueSnap’s built-in surcharge logic. Updated for 2025 state-level regulations (such as those in California and Minnesota), this feature automatically calculates and applies compliant fees at the point of sale.

Set Up Automated Payment Reminders

Inside the BlueSnap AR portal, you can set up custom communication schedules. Creating automated email reminders for upcoming or overdue payments can meaningfully reduce your Days Sales Outstanding (DSO) and improve cash flow.

As BlueSnap continues to integrate more deeply with Payroc through late 2025, merchants should keep an eye out for new “Smart Failover” features. This update lets the system instantly retry a declined transaction with another local acquirer. It often turns a near-miss into a completed sale without the customer ever noticing a hiccup.

Accept online payments with Wise Business

Trade internationally? A cost-effective solution for accepting online payments from customers all over the world is Wise Business.

With your account, you can request payments from customers in just a couple of clicks. Send a Quick Pay link or QR code, or create an invoice, and select ‘Card’ as the payment method. The customer can simply enter their card details, and you’ll get a notification - the customer will also receive proof of payment by email. It’s easy, quick and convenient.

Best of all, it lets you accept card payments in currencies, so you can sell worldwide and let customers pay in their own currency.

It’s ideal for online sellers, remote and mobile businesses, subscription services, international B2B service providers, global freelancers and consultants alike.

Fees are low* and transparent at just 1% for domestic (UK) cards, and 2.9% for all international and business cards.

Get started with Wise Business 🚀

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

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FAQs

What are BlueSnap’s standard processing fees in 2025?

For US-based businesses, the usual rate is 2.9% + $0.30 per successful transaction. In the UK and EU, fees are lower and typically start at 1.5% + £0.20/€0.25 for consumer cards. Larger enterprises can often negotiate custom interchange-plus pricing to reduce costs further.

How does BlueSnap’s local acquiring help save money?

BlueSnap routes payments through local banks in 50 countries, treating international transactions like domestic ones. This helps businesses avoid the usual 1%-2% cross-border fees that card networks charge when a customer’s card is issued in a different region than the merchant’s bank.

Can I avoid currency conversion fees when receiving payouts?

Yes. With BlueSnap’s Like-for-Like settlement, you can get paid in 16 major currencies, including USD, GBP, and EUR, without paying extra conversion fees.

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Sources used:

1. Global Payment Orchestration and Processing All in a Single Solution
2. Global Payment Orchestration Custom Pricing
3. Underwriting FAQs
4. Solutions Overview
5. Partner Integrations
6. Payment Methods Overview
7. Sandbox & Production Environments
8. Payroc Completes Acquisition of BlueSnap
9. BlueSnap Local Card Acquiring
10. 3 Reasons Why Your International Business Needs Local Acquiring
11. Supported Currencies
12. BlueSnap Wins the 2025 BigCommerce Technology B2B Excellence Award
13. Fraud Prevention and Service Levels

Sources last checked on date: 21-Dec-2025