Payline vs Square

Payline is a good credit card processor for most businesses. How does it compare to Square? 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 Square has a low swipe fee of 2.6% + $0.10 per transaction. It has no monthly fees, no contract, and no chargeback fees. Square offers a free swipe reader, feature-rich POS app, free virtual terminal, and free online store.

Compare Payline with Square, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Payline	Square

	Visit Site	Visit Site
		SPECIAL OFFER Square Reader: Free Mobile Credit Card Reader - Learn More Read Square Review
	Benefits and Features
Monthly Fee	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal	No monthly fees
Good For	Businesses processing $5,000 or more per month	Mobile & small businesses with average transaction over $100
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	Free magstripe card reader; $59 for contactless + chip reader; Stand, Terminal, and Register available for purchase.
Accept International Payments		USD payments only
Customer Service	Phone, Email	Phone, Email, Live Chat Support, Seller Community
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange-Plus	Flat rate
Recurring Billing
ACH Payments		1% ($1 minimum)
Swipe Rate	Interchange + 0.4% + $0.10	2.6% + $.10
Online Rate	Interchange + 0.75% + $0.20	2.9% + $0.30
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	3.5% + 15¢
Deposit Time	Next business day	Payments before 5PM PT / 8 PM ET is available the next business day
Chargeback Fee	$25	None
	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 monthly or annual fee Free swipe card reader Low, predictable fixed rates Cons: Flat-rate pricing can be expensive for larger businesses Costly add-on services
Bottom Line	Good credit card processor for most businesses... Read full review	Good credit card processor for low-volume businesses... Read full review
	Visit Site	Visit Site
		Square Reader: Free Mobile Credit Card Reader Square Contactless and Chip Card Reader Square POS: Point of Sale System
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Square Reader: Free Mobile Credit Card Reader

Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
Accept Credit Cards Anywhere
Fast Setup, No Commitments

Get Free Reader

Square Contactless and Chip Card Reader

Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
Accept Chip Cards and Contactless Payments Anywhere

Learn More

Square POS: Point of Sale System

Advanced analytics and insights
Inventory and customer management
Track employee time cards and grant permission levels

Learn More

Which is Better: Payline or Square?

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.

In short: Payline's customer service and high volume business are noteworthy. Square's equipment, ecommerce, and low volume business are noteworthy. In particular, the equipment and low volume business are impressive.

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