National Processing vs Payline

National Processing is a flat-rate processor with low in-person transaction fees. How does it compare to Payline? Read our comparison chart below.

	National Processing	Payline

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	Benefits and Features
Monthly Fee	Starts at $9.95/mo; custom pricing starts at $9.95+/mo	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal
Good For	Large and established businesses	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
Customer Service	Phone, email, live chat	Phone, Email
Pricing Model	Flat-rate pricing	Interchange-Plus
Swipe Rate	2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)	Interchange + 0.4% + $0.10
Online Rate	2.9% + $0.30 per transaction	Interchange + 0.75% + $0.20
Keyed-in Transaction Fee	3.5% + $0.15 per transaction	Interchange + 0.75% + $0.20
Deposit Time	2-3 business days	Next business day
Chargeback Fee	$15	$25
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: No long-term contracts Free equipment available No monthly minimums Cons: Conditions to waive termination fee Pricey with larger sales	Pros: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement
Bottom Line	Flat-rate processor with low in-person transaction fees... 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 is worth mentioning. Payline's price and contract are noteworthy. In particular, the contract is impressive.