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Payline vs National Processing

Payline is a good credit card processor for most businesses. How does it compare to National Processing? Read our comparison chart below.

 PaylineNational Processing
 Visit SiteVisit Site
 

Payline

National Processing

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

SPECIAL OFFER
Start Processing Payments Today - Learn More

Read National Processing Review

 

Benefits and Features

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

CreditDonkey® Reviews

 PaylineNational Processing
PriceStarStarStarStarHalf StarStarStarStarStarStar
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarStarStarStarStarStarEmpty Star
EcommerceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
High Volume BusinessStarStarStarStarEmpty StarStarStarStarStarStar
Low Volume BusinessStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Pros:
  • Low interchange-plus rates
  • Free equipment available
  • Dedicated account manager
Cons:
  • Conditions to waive termination fee
  • Free equipment has cancellation fee
Bottom LineGood credit card processor for most businesses... Read full reviewProvider worth considering if lowest processing rates is your biggest priority... Read full review
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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: Payline or National Processing?

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

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


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.

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.

Which Do You Think is Best?





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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.

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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.

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