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Payline vs PayPal

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

Payline uses an Interchange-Plus pricing model. Swiped transactions are Interchange + 0.2% + $0.10 per transaction, plus a $10 monthly fee. There is no contract and your first month is free. Payline is also known to work with high-risk merchants.

While PayPal has a low flat-rate fee of 2.7% per swiped transaction. It has the ability to accept PayPal payments both in-person and on your website. There is no contract and no monthly fees for the basic plan.

Compare Payline with PayPal, side-by-side.

 Payline
 Visit SiteLearn More
 

Payline

PayPal

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer Service
Phone, Email
Phone, Email, Live Chat Support, PayPal Community
Good ForBusinesses processing $5,000 or more per monthAccepting Paypal payments; Small businesses with average transaction under $100
EquipmentPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online ProcessingPOS (Chip, Swipe, Tap), Marketplaces & Partners, Invoicing, Online Processing
Pricing Model
Interchange-Plus
Flat rate
Swipe Rate
Interchange + 0.2% + $0.10
2.7%
Online Rate
Interchange + 0.40% + $0.20
2.9% + 30¢
Monthly Fee$10 per month for in-person processing
$20 per month for online processing
$10 per month for virtual terminal
No monthly fees; $30/month for PayPal Payments Pro
Keyed-in Transaction Fee
Interchange + 0.40% + $0.20
3.5% + 15¢
Deposit Time
1-2 business days
instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee
Chargeback Fee
$15 - $25
$20
 

CreditDonkey® Reviews

 Payline
PriceStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarStarStar
EcommerceStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarStarEmpty Star
Low Volume BusinessStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineGood credit card processor for most businesses... Read full review
 Visit SiteLearn More

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


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.

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.

*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.

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