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.

		PayPalSquareVenmo
	Payline	PayPal
	Benefits and Features
Customer Service	Phone, Email	Phone, Email, Live Chat Support, PayPal Community
Good For	Businesses processing $5,000 or more per month	Accepting Paypal payments; Small businesses with average transaction under $100
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	POS (Chip, Swipe, Tap), Marketplaces & Partners, Invoicing, Online Processing
Pricing Model	Interchange-Plus	Flat rate
Swipe Rate	Interchange + 0.4% + $0.10	2.7%
Online Rate	Interchange + 0.75% + $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 + 0.75% + $0.20	3.5% + 15¢
Deposit Time	Next business day	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	$25	$20
	CreditDonkey® Reviews
Price
Customer Service
Equipment
Contract
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
Bottom Line	Good credit card processor for most businesses... Read full review

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.

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.

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• Payline vs Square

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