BlueSnap’s Subscription Billing Engine includes features to help with this compliance, including

• mandatory consent checkboxes at checkout for the cardholder to consent to entering an ongoing subscription service with recurring payments
• a dedicated email for those who use our email solution providing the appropriate enhanced notification of the terms and conditions of the subscription to the cardholder and
• BlueSnap can also issue receipt emails that include a cancellation link that automatically cancels the subscription if the customer clicks on it

Non-compliance can lead to customer complaints and chargebacks, but also FTC investigations, lawsuits, financial penalties and reputational damage.

Any business that offers subscriptions, free trials or automatic renewals online to US consumers must comply with ROSCA.

ROSCA requires businesses that offer subscriptions or recurring billing to US consumers to:

• Clearly disclose material terms, including pricing, renewal details and cancellation method
• Obtain express, informed consent before charging customers and
• Provide a simple and accessible way to stop future charges

For additional information on ROSCA, see the FTC’s ROSCA page.

ROSCA, or the Restore Online Shoppers’ Confidence Act, is a regulation that protects US consumers from unexpected charges related to subscriptions, free trials or automatic billing. It requires merchants to clearly disclose terms, get express consent before charging the consumer and provide an easy way for customers to cancel recurring payments.

BlueSnap lets you manually re-sync invoices or payments when discrepancies arise. Common sync errors include duplicate invoice numbers, missing customers/items, closed accounting periods or mismatched statuses. These can be addressed via manual resync or adjustments within BlueSnap AR Automation or the accounting system.

BlueSnap Payment Link is a secure, unique URL embedded in an invoice or sent separately, enabling customers to pay online via a checkout page. Payment methods include credit cards, ACH, PayPal, and more. Settings like expiration date and user-defined amounts are customizable.

Yes. BlueSnap supports integrations with popular accounting and ERP systems like NetSuite, Sage Intacct, QuickBooks, Xero, Microsoft Business Central, and more – allowing seamless synchronization of customer accounts, invoices, payments and templates.

By replacing legacy processes with features like digital invoices, payment links, automatic payments, branded customer portals and robust reporting, businesses can speed up collections, reduce manual tasks and gain better forecasting capabilities.

BlueSnap’s Invoicing & Billing solutions enable businesses to digitalize the entire accounts receivable (AR) workflow, helping reduce Days Sales Outstanding (DSO), improve productivity and enhance cash flow — all through streamlined billing, invoicing and payment collection.

The platform’s modular architecture allows businesses to access additional services such as chargeback management, fraud prevention, compliance and tax, payment analytics and reporting, and more. These tools can be turned on or off as needed.

Absolutely. BlueSnap supports embedded payments, allowing software platforms to integrate payment flows directly into their offerings.

Yes. BlueSnap’s platform supports subscriptions and recurring billing, enabling customers to manage plans, update payment info and address expired cards. It also offers automated invoicing and AR workflows, making quote-to-cash, follow-ups and global invoice payments seamless and unified.

BlueSnap is uniquely positioned as a Global Payment Orchestration Platform that boosts ROI by increasing authorization success, reducing costs, enhancing user experience, and simplifying global scalability—supported by expert assistance and modular flexibility.

BlueSnap’s Global Payment Orchestration Platform employs Intelligent Payment Routing across a global network of acquiring banks, and offers your customers’ preferred local currencies and payment types, and local acquiring in 50 countries. These features help increase authorization rates, reduce checkout abandonment and minimize cross-border fees.

BlueSnap allows businesses to accept global payments as part of its Global Payment Orchestration Platform. With BlueSnap, businesses can accept payments from over 200 regions with a single integration and one account, streamlining their global sales operations substantially.

By offering a single integration to our Global Payment Orchestration Platform, BlueSnap reduces complex maintenance burdens and frees development resources to focus on strategic business growth.

Yes. BlueSnap’s architecture is modular and scalable, with robust APIs that support deep integration. You can easily turn features on or off based on your business needs. Our technology also natively integrates with popular software your business already uses, like Oracle NetSuite, QuickBooks, BigCommerce, Microsoft Dynamics 365 Business Central and more.

Unlike a standard gateway, which simply connects you to an acquirer, BlueSnap’s Global Payment Orchestration Platform controls the entire payments stack: routing, optimization, fraud, compliance, global coverage and flexible services — all within a single integration.

BlueSnap’s platform includes optional modules to manage:

• Fraud prevention
• Chargeback recovery
• Tax calculations
• AR automation

These value-added services are built right into the platform and are fully modular: they can be turned on or off by country, product, issuer or more, offering tailored flexibility.

By offering preferred payment types and currencies, local acquiring in 50 countries and support in regions worldwide, BlueSnap helps businesses localize checkout experiences and significantly reduce cross-border fees all with a single integration and a single account. This allows businesses to streamline their operations and reduce technical debt.

BlueSnap enables payment acceptance across a wide array of use cases, including:

• Online and mobile checkout
• Subscriptions & recurring billing
• Invoicing & automated billing (AR automation)
• Virtual terminal payments
• Embedded payments for software platforms

The BlueSnap Payment Orchestration Platform offers businesses several benefits, allowing them to:

• Increase authorizations & lower costs: Use tools like tokenization, Level 2/3 data, Intelligent Payment Routing and failover logic.
• Scale globally with ease: A single integration provides global payment acceptance with preferred global payment types, currencies and local acquiring to help avoid cross-border fees.
• Support various payment use cases: From online checkout and subscriptions to invoicing, embedded payments, virtual terminals and more.
• Modular value-added services: Turn fraud prevention, tax calculations, chargeback management and reporting on or off as needed.
• Reduce technical debt: Streamlines operations by replacing multiple integrations and accounts with a single integration.

BlueSnap’s Global Payment Orchestration Platform is a unified payments solution that consolidates multiple payment methods, acquirers and geographies into a single integration and account – it’s the payment processing and the orchestration in one. It offers a modular, API-driven infrastructure that allows businesses to turn services on or off by country, product, issuer and more.

BlueSnap supports a global shopper base from virtually everywhere. View this list of shopper countries for more information.

Unlike many providers, BlueSnap offers a single integration with built-in global acquiring, proprietary Intelligent Payment Routing, smart retries and detailed analytics — all designed to improve conversions and reduce costs. This approach streamlines operations and accelerates international growth.

Absolutely. BlueSnap offers pre-built integrations with platforms like BigCommerce, Salesforce, NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, and more. This enables easy adoption of BlueSnap’s payment optimization without disrupting your existing tech stack.

BlueSnap provides a robust reporting and analytics dashboard that offers insights into approval rates, declines, fees, retries and more. Businesses can use this data to identify trends, optimize strategies, and improve their bottom line.

Yes. BlueSnap supports preferred global payment types and currencies, including digital wallets, ACH, SEPA, major cards and local payment methods. This ensures that customers can pay how they prefer, improving your conversions and customer satisfaction.

By optimizing transaction routing and using local acquiring banks, BlueSnap helps reduce cross-border fees, interchange rates and gateway charges. BlueSnap also consolidates reporting and third-party integrations, reducing operational overhead.

Yes. BlueSnap’s Intelligent Payment Routing and failover capabilities help reduce false declines by ensuring each transaction has multiple opportunities for approval. These systems use machine learning and transaction history to improve approval success.

BlueSnap offers your customers’ preferred global payment types and currencies and works with 30+ global acquiring banks. By routing transactions through local acquirers, BlueSnap increases approval rates and reduces transaction fees that can occur from cross-border processing. This is especially valuable for businesses with a global customer base.

Yes. BlueSnap's Account Updater helps you automatically update card details — such as expiration date changes, account number changes or account closures — so you do not have to contact each customer individually.

BlueSnap offers multiple Account Updater services, and which service you use depends on which solutions you use to store card details and manage subscriptions:

• Card storage — BlueSnap vaulted shoppers or store cards on your system.
• Subscriptions — BlueSnap Subscriptions or merchant-managed subscriptions

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We support full and partial refunds through the Merchant Portal or through the API.

You can view many card details using our Retrieve Card Info API Request.

Yes. BlueSnap supports partial captures for card transactions. To have this capability enabled, contact your Implementation Specialist or Merchant Support. For more details on how to perform partial captures, visit the Developer Hub.

Card processing is categorized into levels, based on the amount of data required to process the transaction. Enhanced data levels like Level 2/3 require additional information to process the transaction. BlueSnap's Payment API supports Level 2/3 data processing for all currencies, enabling you to expand your business-to-business (B2B) and business-to-government (B2G) sales opportunities.

BlueSnap offers local acquiring in 50 countries. Local acquiring provides both lower cost and higher authorization rates. To take advantage of local acquiring, merchants may use existing legal entities or choose to open legal entities in regions where BlueSnap offers local acquiring.

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Yes. Presenting in local currency is when a merchant charges a customer in the currency local to them. Many merchants instead charge in the currency local to their business, which has negative impacts including:

• Higher cart abandonment due to the cardholder not knowing the final cost.
• Higher rate of declines from the cardholders’ banks due to perceived risk.
• Higher billing inquiries from cardholders confused by converted amounts on statements.
• Higher chargebacks from cardholders seeing a price they didn’t agree to on their statements.

By offering local currencies to your shoppers, you decrease the likelihood of cart abandonment, declined transactions and chargebacks.

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BlueSnap uses a variety of strategies to optimize payments, including:

• Intelligent payment routing through a global network of banks and acquirers
• Failover transactions to secondary acquiring banks if the first attempt fails
• Smart retry logic that reattempts failed transactions at the best possible time
• Local acquiring to reduce cross-border fees and increase approval rates
• Real-time analytics to identify and act on payment issues quickly

BlueSnap does all of this to help you increase your authorization rates and lower the costs associated with payments.

Unlike many AR solutions that require separate payment processors or third-party integrations, BlueSnap provides a single integration that combines AR automation with built-in global payment processing. This means faster time-to-value, fewer integration headaches and better payment optimization — helping you collect invoice payments faster and operate more efficiently worldwide.

Yes. BlueSnap AR Automation is designed to scale with your business as it grows, supporting multiple entities, currencies and global payment methods. Whether you have a small AR team or a large finance department, the platform adapts to your needs.

BlueSnap AR Automation provides real-time reporting dashboards that provide visibility into outstanding invoices, payment statuses and customer payment behavior. These insights help finance teams make data-driven decisions to optimize collections and cash flow.

BlueSnap is PCI DSS Level 1 compliant and uses advanced encryption to protect sensitive financial and customer data. The solution is built with robust security protocols to safeguard transactions and ensure compliance with global data protection regulations.

Yes. By eliminating manual processes such as printing, mailing and manually tracking invoices, your business can reduce administrative overhead. Additionally, automation reduces the risk of human error, late payments and lost invoices, ultimately improving financial efficiency.

BlueSnap supports preferred global payment methods, including credit cards, ACH, wire transfers, and local payment methods across multiple currencies. This flexibility allows your customers to pay using their preferred method, which increases convenience and improves customer satisfaction.

Yes. BlueSnap AR Automation integrates with leading ERP and accounting platforms, including NetSuite, QuickBooks, Microsoft Dynamics 365 Business Central, Sage Intacct and others. BlueSnap offers a bi-directional sync with these systems to reduce manual data entry, maintain accurate financial records and allow your ERP to be the single source of truth for your business.

By automating manual AR tasks such as invoicing, billing setup and regular customer communication, your team spends less time chasing payments and more time on strategic financial initiatives. Automated payment reminders and a self-service payment portal make it easy for customers to pay quickly and schedule automatic payments, resulting in faster cash collection and reduced days sales outstanding (DSO).

BlueSnap’s AR Automation solution streamlines the entire accounts receivable process, from invoice creation and delivery to payment collection and reconciliation. It helps businesses reduce manual effort, accelerate cash flow and improve the customer payment experience by leveraging automation, integrated payment processing and real-time reporting.

BlueSnap's AR Automation provides enablement, automation and insights to help businesses operate more efficiently.

AR Automation works in conjunction with your current accounting system or as a stand-alone service. We work with companies of all sizes and across most industries, focusing on these key areas.

• Automate repetitive AR tasks — Create unlimited payment follow-up and billing communication rules (known as Cadences). These cadences automate tasks that don't need your attention and notify you of those that do.
  
• Streamline billing — Create recurring payments, manage subscriptions, enable customer automatic billing, automatically apply late fees, manage coupons, and create payment plans. Speed up payments and increase transparency with interactive customer portals and online payment options.
  
• Unlock user and customer insights — Automatically log all user and customer events. Review full communication logs, call duration, email open tracking, and invoice views. Customer health, average time to payment, and aging trends are all calculated automatically. Review real-time team activity and performance.

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Both BlueSnap Dash™ and BlueSnap Relay™ partners have multiple options to offer prospective merchants that need to complete our application process:

• Hosted Application (Dash) — Code-free, localized application that you share with your merchants. BlueSnap securely collects your merchant's data so you can onboard merchants quickly and with minimal effort—your platform does not need to develop or maintain any portion of the data collection or application submission process.
  
• White-Labeled Hosted Application (Dash and Relay) — Completely white-labeled version of our Hosted Application. You provide a corporate logo and brand colors to go live quickly with minimal effort while providing a custom application experience. The only indication that you use a hosted solution is that BlueSnap is present in the application URL.
  
• API Application (Dash and Relay) — Leverages our APIs to create a completely white-labeled application. This solution requires initial and ongoing development efforts on your part.

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Whether you use BlueSnap Dash™ or BlueSnap Relay™, accepting payments on behalf of your merchants is simple and requires only a few lines of code. BlueSnap's global payment ecosystem gives you access to currencies, countries and payment methods from around the world.

BlueSnap supports card, mobile wallet and direct debit payment methods. For additional information, refer to the following:

• Payment Methods Overview — Comprehensive details about each supported payment method.
  
• BlueSnap Payment API — Guides and endpoint reference documentation to help you integrate payment methods into your platform.

BlueSnap offers the option to white-label our Embedded Payments platform. White-labeling a software platform means one company – such as BlueSnap – develops the software, and another company – such as your platform – resells it under its own brand, without the end-user knowing the original creator.

Your implementation engineer reviews your merchant onboarding and payment flows to ensure the integration is optimized and meets your expectations.

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You will need to work with our implementation team to determine how to integrate our solution into your platform. This might occur in any of the following areas:

• Merchant Onboarding
• Payments
• Reporting

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BlueSnap Implementation Services prepare your platform for success by delivering embedded payments best practices on key integration and operational areas. Many platforms find it helpful to include the BlueSnap integration project in meetings where payments are discussed, including backlog grooming and sprint planning. Our implementation teams work with your product and development teams to ensure the project progresses on schedule.

During implementation, you can expect a series of discussions led by our Embedded Payments experts on key topics, such as:

• Merchant Onboarding
• Payment Method Flows
• Subscriptions
• Payouts
• Fraud Prevention
• Launch Planning

In addition, we provide comprehensive live support throughout the process, including BlueSnap product training and email integration.

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BlueSnap Embedded Payments has two different product types to choose from: BlueSnap Dash™ and BlueSnap Relay™. Both solutions give you access to our global payments system and our world-class automated onboarding solution.

• BlueSnap Dash™ gives your merchants a direct relationship with BlueSnap, including individual logins for access to the BlueSnap Merchant Portal. The BlueSnap team provides ongoing support to your merchants and manages heavy lifting for any extra document collection during the onboarding stage. With BlueSnap Dash™, you can leverage any of our application options, including our hosted and white-label hosted solutions that let you go live with minimal development required.
  
• BlueSnap Relay™ is our full white-label solution. As a platform, you will be responsible for hosting your account application on your platform or website. You will also be responsible for collecting all required information from your merchants and passing it to BlueSnap via our API. BlueSnap Relay™ is ideal for platforms that would like to create an experience for their merchants that is white-labeled and seamless from end to end.

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When deciding between BlueSnap Dash™ and BlueSnap Relay™, you need to determine which of the following options fit your needs:

• Merchant Application — Which merchant application option best suits your business needs?
  
• Document Requests — Can BlueSnap reach out directly to your merchant for underwriting document requests, or do you want to build a custom solution that collects and submits requested documents?
  
• Merchant Portal access — Do you want your merchants to have access to the Merchant Portal to manage reporting, chargebacks, and other administrative tasks?
  
• Reporting — Do you want your merchants to run reports themselves from the BlueSnap Merchant Portal, or do you want to use our Reporting API to deliver a custom reporting experience?

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BlueSnap offers two solutions for embedding payments into your platform – Dash and Relay. Depending on your goals, one solution may be a better fit for your business.

White-label payment processing enables software platforms to sell branded payments capabilities that are developed by another company. Essentially, a software platform can brand and customize the entire payment experience for its clients. Neither the end user nor the platform’s clients see the facilitator or interact with it directly.

B2B payments are transactions made between businesses for goods or services. Unlike consumer payments, they often involve larger amounts, more complex invoicing, and require flexible payment options like ACH, virtual cards or wire transfers.

Payment optimization is the process of improving how payments are routed and processed to increase approval rates, reduce costs, and enhance the user payment experience.

A full payment platform is an end-to-end solution that lets you accept global payments through one integration, one contract, and one account. 

Payment routing data includes details like card type, issuing bank, currency, and transaction history. Using this data intelligently helps payment platforms optimize routing decisions, boost authorization rates, and lower transaction costs.

Integrations streamline your AR process by connecting systems like accounting, CRM and invoicing tools — reducing manual work and helping you get paid faster.

The AR process includes sending invoices, following up on unpaid ones, receiving payments and updating records. In many businesses, this process is mostly manual.

• The use of open APIs to allow authorized third parties to have access to accounts
• Greater transparency in a provider’s terms and conditions and the details of their financial products
• Resolution of complaints and reporting of security incidents within a set amount of time
• No credit card surcharges to ensure equity among payment methods

• Something only the customer has
• Something only the customer knows
• Something only the customer is

• 2007: The European Economic Area (EEA) enacts the very first Payment Services Directive (PSD) to create a unified payment market in the European Union.
• 2013: The EEA recognizes the need to update PSD based on technological changes and formulates the groundwork for PSD2.
• January 2016: EEA member countries vote to pass the PSD2 regulation to be enacted in 2018.
• June 2017: An open, harmonized API for the EEA is introduced, enabling third-party access under PSD2 standards.
• November 2018: Strong customer authentication measures are introduced under PSD2 to better protect consumers from digital payment fraud.
• January 2018: All EEA member states officially pass PSD2 and agree upon a future timeline for implementation.
• December 31, 2020: After multiple deadline postponements, PSD2 SCA officially goes live and in effect for all EEA member countries.
• September 14, 2021: PSD2 SCA goes live and in effect for the UK post-Brexit. The UK had voted in favor of PSD2 when it was still part of the EEA.

• Payment network policies: These include any rules, regulations, guidelines or specifications put forth by payment networks, including EFT networks and Credit Card Associations. 
• Data privacy: These regulations cover the rights given to individual data subjects concerning the personal data being stored (information like an individual’s name, email, location, online identifier, IP address, home address, etc.), including the right to prior notification of what the data is being used for, how it will be processed and when it will be deleted. 
• Consumer security: These regulations protect consumers from fraud and theft, such as the Revised Directive on Payment Services (PSD2), enacted by the European Parliament, which requires Strong Customer Authentication (SCA) via three levels of identification for every transaction, from card number confirmations to texts with authorization codes.
• Payment Card Industry Data Security Standards: Payment Card Industry (PCI) is a Data Security Standard (DSS), which is a set of requirements established by the major card companies to ensure that all businesses that process, store and/or transmit credit and debit card information maintain a secure environment. These standards help to defend against cyber-attacks, data hacks and other security breaches, which can result in extensive costs associated with loss of business, credit monitoring, post-breach audits and security updates.
• Tax collection: Tax responsibilities for businesses depend on a variety of factors such as the sales revenue, transaction volume and the location in which sales occur. In addition to the specific local tax laws, the payment model under which your business operates also has an impact.
• IT security: These regulations ensure that businesses are protected against hackers, cybersecurity regulations have been drafted to cover elements including data center redundancy, data storage, data recovery and other security investments.

• A purchasing customer may choose their preferred payment plan and payment method (debit or credit card, direct deposit, digital wallet, etc.).
• The company will receive the order info and use a payment solution to manage the subscription billing details.
• The payment solution stores the payment information and processes the payment request.
• The customer is charged and then issued regular statements on the agreed-upon schedule.

• The gateway captures the transaction request and either encrypts or tokenizes the information, then routes it to an acquiring bank.
• The acquiring bank (which provides your merchant account) takes ownership of the transaction request. Its job is to get authorization for the transaction.
• The issuing bank assesses the request: Does the customer have sufficient credit or funds? The issuing bank generates a response — yes or no — and sends it back to the acquiring bank via the card network.
• The acquiring bank sends the response back to the payment gateway.
• The payment gateway’s final job is to present the answer either back to the merchant or to the shopper directly (if you’re using a hosted payment page). 

• Card number
• Expiration date
• CVV/CVV2
• Billing Zip Code

• Fewer manual tasks mean less busy work for your teams, allowing them to focus on higher value operations.
• Automatic account updating means immediate updates and instant notifications, reducing costly downtime and ensuring that payments are faster.
• Dashboards are updated in real time, providing instant insights into important metrics such as AR performance, customer accounts, payment processing and more, for better overall data management.
• Faster turnaround times and fewer errors result in less frustration for customers, while branded portals offer secure places for them to pay online.
• Overall improved efficiency saves your company money, makes it easier to scale and can lead to more business opportunities.

• Account level — You must configure an account-level statement descriptor, that serves as the default descriptor for all transactions. Refer to Defining the account-level statement descriptor.
• Per product (only with BuyNow hosted checkout) — If you are using our BuyNow hosted checkout pages, you can set up a separate statement descriptor per product on the Product Information page.
• Per transaction and per subscription — If you are using our Payment API or Extended Payment API, you can also define a descriptor dynamically per transaction and per subscription by including the soft-descriptor property in your request. Refer to the API documentation.