National Processing vs Payline

National Processing is a provider worth considering if lowest processing rates is your biggest priority. How does it compare to Payline? Read our comparison chart below.

	National Processing	Payline


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	Benefits and Features
Customer Service	Phone, email, live chat	Phone, Email
Good For	Small-medium businesses processing $5,000+ per month; Restaurants	Businesses processing $5,000 or more per month
Equipment	Card readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH payments	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Pricing Model	Interchange-Plus; Subscription available for high-volume businesses	Interchange-Plus
Swipe Rate	Retail: Interchange + 0.18% + 10¢ Restaurants: Interchange + 0.14% + 7¢	Interchange + 0.4% + $0.10
Online Rate	Interchange + 0.29% + 15¢	Interchange + 0.75% + $0.20
Monthly Fee	$9.95/mo for Interchange-Plus plans Subscription plans are $59/mo or $199/mo	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal
Keyed-in Transaction Fee		Interchange + 0.75% + $0.20
Deposit Time	Next day funding	Next business day
Chargeback Fee	$15	$25
	CreditDonkey® Reviews

Price
Customer Service
Equipment
Contract
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: Low interchange-plus rates Free equipment available Dedicated account manager Cons: Conditions to waive termination fee Free equipment has cancellation fee	Pros: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement
Bottom Line	Provider worth considering if lowest processing rates is your biggest priority... Read full review	Good credit card processor for most businesses... Read full review

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Which is Better: National Processing or Payline?

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing National Processing or Square.

In short: National Processing's ecommerce and high volume business are worth mentioning. In particular, the high volume business is impressive. Payline's contract is impressive.

Articles on National Processing

National Processing

National Processing offers low rates and free equipment. But what's the catch? See if this low-cost merchant services provider is right for your business.