Updated September 12, 2019

Payline Data Review

This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Payline Data offers merchant services but can it help your business? Read this review to find out how the fees compare to processors like Square, PayPal and Stripe.

What is Payline Data?

Payline Data is a merchant account provider based in Chicago. It provides flexible credit card processing solutions for mobile, retail, and online stores.

Payline Data is known for its low, transparent pricing. It uses an interchange-plus pricing model, which often comes out to be the best value for businesses. This makes it ideal for businesses of all sizes, from startups to Fortune 500 companies.

Read on for our full Payline Data review to see if it's right for your business.

Who Payline Data is Best For

© CreditDonkey

  • Established businesses
    Since there is a monthly fee and minimum, it may be better for businesses that have more established cash flow each month.

    Very new business owners may feel more comfortable with a processor with no monthly fees. This way, you're only charged when there's a transaction. So if you have a slow month, you won't be paying for a monthly fee that eats into your profits.

  • High volume businesses
    Businesses that process a lot of transactions per month will benefit most with the interchange-plus model. It usually comes out cheaper than flat-rate pricing models.

  • High-risk businesses
    Not all providers approve high-risk merchant accounts, but Payline will work with you. Note that high-risk merchants may have different terms and pricing.

Payline Data Pros & Cons

Pros:

  • Transparent interchange-plus pricing model
  • First month free
  • User-friendly interface
  • Monthly billing with no cancellation fees
  • Deposits funds within 2 business days
  • Positive customer service reviews
  • Fraud protection and account security
  • Accepts high-risk merchant accounts

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

Cons:

  • Monthly fee
  • $25 monthly minimum processing requirement
  • More difficult to predict payment processing costs
  • Fees for losing a chargeback dispute and not completing a PCI compliance survey
  • Limited customer support hours from Monday–Friday, 8 am–5 pm (CT)

Keep reading for the in-depth review.

Pricing & Fees

Payline Data has simplified to just 2 pricing plans: swiping cards in person or taking payments online or by phone.

Payline's pricing is one of the lowest among all credit card processors.

1. Swiping in Person (Payline Start)
This plan is for physical retailers. Fees include:

  • Interchange + 0.2% + $0.10 per transaction
  • $10.00 monthly fee
  • $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.

2. Credit Cards Not Present (Payline Connect)
This plan is for businesses that take online, phone, and mail orders. It includes a virtual terminal. Fees include:

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

Other expenses can include:

  • Equipment costs (more below)
  • $25 if you lose a chargeback dispute
  • Free PCI compliance–however, there is a charge of $19.95 if you do not complete a compliance survey within 90 days.

Contract and Termination

Payline Data requires no long-term contract. All plans are month-to-month. You can cancel your account at any time if you no longer want to use them.

There are no early termination fees. This flexibility is great so you don't feel like you're locked into a contract.

Products and Services

© CreditDonkey

Payline Data provides a wide range of credit card processing solutions that can be tailored to your business.

Mobile Payment Processing
Using the Clover Go card reader, you can swipe or dip straight from your smartphone, whether you are at your business or on-the-go.

Online Payment Processing
This online gateway can process cards, 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 e-commerce shopping carts. This gives you the ability to collect payments online and through the app.

Medical Provider Plan
Payline offers healthcare providers an integrative healthcare credit card processing program that aligns with HIPPA guidelines and integrates with your software (more below).

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

If you're opening a high-risk merchant account, 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.

Features & Equipment for Retailers

For retail merchants taking credit cards in-person, Payline Data offers the following equipment options for purchase:

Clover Go ($70 + $11/month)
The Clover Go is an all-in-one mobile credit card reader suited for on-the-go merchants. Functions include:

  • Accepts swipe, chip, and NFC/contactless transactions (like Apple Pay or Samsung Pay)
  • Email or text receipts
  • Set custom tip and tax rates
  • Set permissions for employees
  • See transaction history

Ingenico iCT220 ($150)
This is a countertop device aimed at brick-and-mortar shops. It has the ability to:

  • Accept swipe, chip, and NFC/contactless transactions
  • Integrate with your POS or cash register (or use without)
  • Option to print paper receipts

Features for E-Commerce

© CreditDonkey

For eCommerce stores, Payline Data's payment gateway allows you to receive web orders. Features include:

  • Over 175 online shopping cart integrations
  • Full customization with Gateway and Mobile APIs
  • Recurring billing service
  • Manage multiple merchant accounts and determine which accounts to route transactions to
  • Batch process large volumes of transactions at once
  • Inventory management
  • Sync your transactions with QuickBooks SyncPay

Popular integrations include:

  • WooCommerce
  • CoreCommerce
  • Shopify
  • OpenCart
  • BigCommerce

Features for Phone Orders

If you take credit cards by phone, Payline Data has a virtual terminal that lets you manually key-in orders directly into a web browser. You can:

  • Store customer data for future use
  • Review monthly reports
  • Email receipts, voids and refunds
  • Accept ACH payments
  • Create and send invoices
  • Set recurring billing and scheduled payments
  • QuickBooks integration
  • Add unlimited users

This feature costs an extra $10 monthly fee.

Payline Medical

© CreditDonkey

Payline Data also has a special plan tailored to healthcare and medical providers, including:

  • Dedicated account representative to help with your needs
  • Regulatory and HIPAA compliance
  • Integration with most practice management software
  • Can take mobile payments anywhere for on-the-go healthcare professionals (such as trainers and physical therapists)
  • Can set up recurring installment billing for patients

The fees for Payline Medical are:

  • Interchange + 0.1% + $0.10 per transaction
  • $0.25/transaction for ACH
  • $20 monthly fee
  • Includes a virtual terminal

If you're currently using another processor, Payline Data will cut your current rates in half when you switch. Just send your last billing statement to qualify for this offer.

High Risk Account

Payline Data is one of the few credit card processors that deals with high-risk merchants. This could include:

  • Industries with a high risk of chargebacks or fraud
  • Industries with high rate of failure
  • Industries that require a lot of legal regulation
  • If you have a history of bad credit
  • Companies with large transaction amounts

Most credit card processing companies don't approve these kinds of merchants. Payline is willing to take on the risk and work with you to find your best options for your unique needs. Payline leverages their 20+ bank partnerships to find a merchant account match for you.

Note that a high-risk account will have higher processing fees and more stringent contract terms, but the prices are fair.

Examples of a high-risk business can include:
  • Adult entertainment
  • Cigarettes, e-cigs and vape shops
  • Travel related companies
  • Auto parts and accessories
  • Computer software or hardware

Additional Services

Payline Data also has these following add-on benefits. Ask your account representative if interested.

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
For subscription based services, you can bill an unlimited number of customers. This plan costs an extra $29.95 fee.

ACH Payments
Give your customers more options to pay by accepting eChecks. ACH cost less to process, giving you more profit in your pocket for this added convenience.

Payline API
This allows developers to integrate Payline solutions, including merchant onboarding and funding.

Customer Service

Payline's customer service is available from 8am - 5pm CST, Monday to Friday.

You can reach the company at:

  • Sales: 888-503-1486 (for new customers)
  • Support: 800-617-9342, Ext. 2 (for existing customers)

In general, customers give positive Payline Data reviews. Customers say they like the low pricing, quick set-up time, and overall smooth process.

While Payline does not offer 24/7 support, its customer service is not outsourced overseas. Customers report the sales team to be responsive, as well as receiving excellent technical support whenever there are issues.

Payline Data vs Square

© CreditDonkey

Square is one of the most popular credit card processors for mobile businesses. Some top features include:

  • Fixed rate at 2.75% per swipe
  • No monthly or annual fee
  • Free swipe card reader
  • Free POS app
  • Free Virtual Terminal
  • No chargeback fees

Do you have a small mobile business? Read our in-depth Square review.

Square's fixed-rate pricing may be a little higher compared to interchange +. But it allows small business owners to better predict the processing costs. It may also be more affordable if you have low average transaction amounts. And there are no monthly fees so you only pay when you have a transaction.

Square provides one free swipe reader. Chip and contactless payments require a separate device, but the price is lower than Payline's. Also, Square's virtual terminal is free, whereas Payline charges extra for it.

Square also has a powerful all-in-one POS app. It has many functions including employee and inventory management, invoicing, gift cards, customer installment plan, and loyalty program. All in all, Square provides a comprehensive solution for small business owners.

Which should you choose?
  • Square is better for small on-the-go businesses, new businesses, companies with low average transaction amounts
  • Payline Data is better for more established businesses; high-risk merchants; medical providers

How It Compares

Here's how Payline Data compares with other popular credit card processors.

PayPal
PayPal is another popular payment processor known for its low fees. It specializes in web 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.

However, one advantage of using PayPal is the ability to accept PayPal on your website, which is a popular payment option with online shoppers. If you want to enter phone orders, PayPal charges $30/month for their virtual terminal.

Stripe
Stripe started as an online-only credit card processor (though they do now offer a terminal for physical retailers). Stripe has a flat-rate fee and no monthly fee.

Stripe is known for its advanced tools which allow for complete customization of your checkout experience. However, you'd have to have a developer. So it may not be ideal for small e-commerce businesses that don't need advanced customization.

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.

These days, it's crucial for a small business to be able to process credit cards. It's important to carefully review the different processors to find one that fits your needs. Compare the pros and cons of each company before making your choice.

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.

More from CreditDonkey:


Credit Card Processing Fees


Venmo Review


POS System for Retail

More Articles in Reviews


Leave a comment about Payline Data Review?

Name
Email (won't be published)


November
02
2019

OppLoans Review

OppLoans is a short-term lender that offers installment loans and lines of credit in as little as a few business days. Read this review to learn how OppLoans works and whether it's worth it.

    Credit Card Processing Fees: What You Need to Know

    Accepting credit cards is crucial for the success of your business. But it comes at a cost - one that could put you in over your head if you aren't careful.

    Online Credit Card Processing

    What's the best online credit card processing company? We explain the cheapest one for small businesses, high/low volume transactions and eCommerce.

    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 are the top options for every kind of business.
More Articles in Business Card Reviews







About CreditDonkey®
CreditDonkey is a credit card 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 card 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.