Save money and be informed. CreditDonkey is a credit card processing comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

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 ProcessingPayline
 Visit SiteVisit Site
 

National Processing

Payline

SPECIAL OFFER
Start Processing Payments Today - Learn More

Read National Processing Review

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer Service
Phone, email, live chat
Phone, Email
Good ForSmall-medium businesses processing $5,000+ per month; RestaurantsBusinesses processing $5,000 or more per month
EquipmentCard readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH paymentsPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Pricing ModelInterchange-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

 National ProcessingPayline
PriceStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarEmpty StarStarStarStarStarStar
EcommerceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarStarStarStarStarStarStarEmpty Star
Low Volume BusinessStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • 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 LineProvider worth considering if lowest processing rates is your biggest priority... Read full reviewGood credit card processor for most businesses... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

National Processing

Start Processing Payments Today

  • Free Reprogram of Existing Equipment
  • Free Gateway Setup
  • Free Mobile Reader
National Processing

Free Mobile Swiper

Get approved for a new merchant account and get a free SwipeSimple mobile swiper

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.

Articles on Payline

Payline Data

Payline Data offers merchant services but can it help your business? Find out how the fees compare to processors like Square.

Which Do You Think is Best?





You Might Also Like

Best Credit Card Processing for Nonprofits

Best Credit Card Processing for Nonprofits

These credit card processing providers offer special discount rates for nonprofits. Save on fees so you can keep more funds for what truly matters.
Best Credit Card Processing for Small Business

Best Credit Card Processing for Small Business

The best credit card processing companies offer transparent pricing, flexible terms, and good features. Here are the top processors for different businesses.
Credit Card Machine

Credit Card Machine

Credit card machines will keep your business running smoothly. But they aren't created equal. Find the best card machine for your business.
Cheapest Credit Card Processing

Cheapest Credit Card Processing

Looking for a cheap credit card processor for your small business? The right one can help you keep more profits. Here is a list of the top options.

About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2022 CreditDonkey Inc. All Rights Reserved.