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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.

 PaylineSquare
 Visit SiteVisit Site
 

Payline

Square

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

SPECIAL OFFER
Free Mobile Credit Card Reader - Learn More

Read Square Review

 

Benefits and Features

Customer Service
Phone, Email
Phone, Email, Live Chat Support, Seller Community
Good ForBusinesses processing $5,000 or more per monthMobile & small businesses with average transaction over $100
EquipmentPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online ProcessingFree magstripe card reader; $49 for contactless + chip reader; Stand, Terminal, and Register available for purchase.
Pricing Model
Interchange-Plus
Flat rate
ACH Payments 
1% ($1 minimum)
Swipe Rate
Interchange + 0.2% + $0.10
2.6% + 10¢
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
Keyed-in Transaction Fee
Interchange + 0.40% + $0.20
3.5% + 15¢
Deposit Time
1-2 business days
Payments before 5PM PT / 8 PM ET is available the next business day
Chargeback Fee
$15 - $25
None
 

CreditDonkey® Reviews

 PaylineSquare
PriceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarStar
ContractStarStarStarStarStarStarStarStarStarStar
EcommerceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
High Volume BusinessStarStarStarStarEmpty StarStarEmpty StarEmpty StarEmpty StarEmpty Star
Low Volume BusinessStarStarStarHalf StarEmpty StarStarStarStarStarStar
Pros & ConsPros:
  • 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 LineGood credit card processor for most businesses... Read full reviewGood credit card processor for low-volume businesses... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

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 Helcim.

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.


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 Square

Square vs Stripe vs Paypal

Square, Stripe, and PayPal are the most popular credit card processors for small businesses. What's the difference and which is right for you?

Square vs Clover

Square is cheaper to get started, while Clover offers more flexibility. Which one is better for your small business? Find out how they compare.

Square vs Merchant Account

Square is simple with flat rate pricing, but a merchant account can provide better savings. Which is better for your business? Read on to compare.

How Much Does Square Charge

Square's mobile card reader lets you accept credit card payments. But how much does Square cost? Read this review to see if it is good for your business.

Square Alternatives

Square is one of the most popular POS systems. But is it the best choice for your business? See how Square compares to top competitors and alternatives.

What is Square

Square offers mobile payment processing and a full POS for businesses. But is it good? Find out if the credit card processor is right for you.

Square Rates

Square offers a free credit card reader. But there are transaction rates and processing fees you need to be aware of.

Square vs PayPal

Is Square or PayPal better for your small business? Find out how they compare in pricing and features.

Stripe vs Square

What's better: Square or Stripe? Depends if you have an online business or physical store. Review fees, payment gateways, and integrations to help you decide.

Square Review

Square has no monthly fees and a low flat transaction rate. But is it safe? Find out if this credit card processor is good for 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.

*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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