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.

	Payline	National Processing

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	Benefits and Features
Monthly Fee	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal	Starts at $9.95/mo; custom pricing starts at $9.95+/mo
Good For	Businesses processing $5,000 or more per month	Large and established businesses
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	Card readers, terminals, and POS systems from Clover, SwipeSimple, Dejavoo, and Verifone; Mobile processing; Online gateway; ACH payments
Customer Service	Phone, Email	Phone, email, live chat
Pricing Model	Interchange-Plus	Flat-rate pricing
Swipe Rate	Interchange + 0.4% + $0.10	2.5% + $0.10 per transaction (Basic In-person Package), 2.41% + $0.10 per transaction (Advanced Package)
Online Rate	Interchange + 0.75% + $0.20	2.9% + $0.30 per transaction
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	3.5% + $0.15 per transaction
Deposit Time	Next business day	2-3 business days
Chargeback Fee	$25	$15
	CreditDonkey® Reviews

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