Updated August 21, 2019 10:17 AM PT

Payline Data Review

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Payline Data offers merchant services but can it help your business? Keep reading to find out how the fees compare to Square, PayPal and Stripe.

Payline Data offers flexible payment processing options for businesses of all sizes including startups, retail operations, ecommerce, and Fortune 500 companies.

Keep reading to see if Payline Data is right for your business.

Payline Data Pros & Cons

Pros:

  • Interchange Plus pricing model keeps pricing simple

  • Offers mobile, POS, and ecommerce payment processing options

  • Month-to-month contract with no cancellation fees

  • Payline deposits your funds within two business days

  • Phone and email customer support

  • User-friendly gateway interface

  • Chargeback prevention with Verifi

  • Fraud protection and account security

  • Placement for high-risk merchant accounts through SMB Global

Payline partners with 12 charities by offering a portion of their proceeds to one charity each month.

Cons:

  • Customer support is only available Monday-Friday from 8 a.m.–5 p.m. Central Time.

  • Equipment must be purchased separately

  • Minimum monthly charge for every package, which increases overhead

  • Additional fees for losing a chargeback dispute and not completing a PCI compliance survey

Products and Services

Payline Data offers a wide range of payment processing options that can be tailored to your business. Keep reading to find the right option for you.

Mobile Payment Processing
Using the Clover Go device, you can accept payments on any Apple or Samsung device, whether you are at your business or on-the-go.

Online Payment Processing
This online gateway can collect payments, store customer payment information, handle invoicing, and set up recurring billing.

In-Store Payments
Choose from credit card terminals, mobile readers, or integration with your current POS system.

Integrated Payments
Payline's gateway can seamlessly integrate with more than 175 online shopping carts. This gives you the ability to collect payments online and through your mobile app.

Medical Payments
Payline offers healthcare providers an integrative healthcare credit card processing program that aligns with HIPPA guidelines and integrates with your software.

High-Risk Payments
Payline partners with 20+ banks to make it easier to obtain a high-risk merchant account.

If you are a high-risk merchant, make sure you read the fine print on your contract. You'll likely have different terms that may include a cancellation fee or required term length for your contract.

Packages & Fees

Payline offers month-to-month contracts. You can cancel at any time without facing any early cancellation fees. The only factor that determines what fees you pay is whether a card is present for the transaction. Read on for Payline Data's fee structure.

Swiping in Person
Recommended for retail merchants. Fees include:

  • Interchange cost + 0.2%
  • $0.10 per transaction
  • $10.00/month
  • $25.00 monthly processing minimum

Interchange fees are charged by the cardholder's credit card company (Visa, Mastercard, etc.) every time the card is used. The networks set the fee and divide the cost between the network and the issuing bank.

Credit Cards Not Present
Recommended for Internet/MOTO (Mail Order/Telephone Order) merchants. Fees include:

  • Interchange + $0.30%
  • $0.20 per transaction
  • $20.00/month
  • $25.00 monthly processing minimum

Payline also offers a plan tailored to healthcare and medical providers. It includes a dedicated account manager and no monthly or hidden fees.

Payline Medical
Fees include:

  • Interchange + $0.1%
  • $0.10/transaction
  • 0.4% for ACH payments
  • $0/month for a virtual terminal

Additional Options

Payline Data offers add-on benefits that are available for purchase with certain plans. Ask your account representative about the following options:

Business Loan
Payline processes your application through up to 75 partner lenders. Funds can be received in as soon as 24 hours.

Chargeback Prevention
Payline offers chargeback prevention tools from Verifi to help protect against fraud and chargebacks. This tool also helps you avoid costly fees, fines and penalties.

Subscription Billing
Payline offers subscription billing to bill an unlimited number of customers for certain plans for an additional $29.95 fee.

ACH Payments
Accept eChecks with your Payline merchant account and give your customers more options to pay. eChecks cost less to process, giving you more profit in your pocket for this added convenience.

Equipment Costs & Features

If Payline Data is not compatible with your existing equipment, you can purchase equipment for a separate fee. Equipment options include:

Clover Go
The Clover Go is an on-the-go credit card reader. You can accept many forms of payment, including contactless, chip, and swipe cards. With Clover, you can instantly email receipts, set tax rates, and custom tips. The Clover Go costs $125.00 down plus $11.00/month.

Ingenico iCT220
This countertop device accepts swipe, chip, and contactless payments. You can integrate the system with your POS or cash register. The Ingenico iCT220 costs $275.00 up front.

How It Compares

Square
Square doesn't charge any monthly fees, which does make it a bit more attractive. Instead, they charge a percentage fee on each transaction. Square also offers several card readers, including a free mobile card reader.

PayPal
PayPal specializes in online payments rather than retail payments. They do offer two card readers, but they aren't as robust as the Payline options. PayPal also doesn't have a very user-friendly API. If you want to create a custom checkout, it may cost you an additional monthly fee for the "pro" service.

Stripe
Stripe is an online-only credit card processor. They offer simple pricing (one price for all cards) and a user-friendly API, which allows you to customize your checkout. Stripe doesn't charge monthly fees.

Bottom Line

No contract, easy cancellation, and low pricing makes Payline Data an attractive credit card processor for businesses of all sizes. They offer a wide range of low cost plans that can be tailored to any business need.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

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August
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