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 | |
|---|---|---|
Square Reader: Free Mobile Credit Card Reader - | ||
Benefits and Features | ||
| Customer Service | Phone, Email, Live Chat Support, Seller Community | |
| 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. |
| Pricing Model | ||
| ACH Payments | ||
| Swipe Rate | ||
| Online Rate | ||
| Monthly Fee |
| |
| Keyed-in Transaction Fee | ||
| Deposit Time | Payments before 5PM PT / 8 PM ET is available the next business day | |
| Chargeback Fee | ||
CreditDonkey® Reviews | ||
| | |
| Price |   |  |
| Customer Service | | |
| Equipment | | |
| Contract | | |
| Ecommerce | | |
| High Volume Business | | |
| Low Volume Business | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Good credit card processor for most businesses... | Good credit card processor for low-volume businesses... |
| | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. | ||
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
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
Square POS: Point of Sale System
- Advanced analytics and insights
- Inventory and customer management
- Track employee time cards and grant permission levels
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 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.
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.
Best Square POS Alternatives
Square is one of the best free POS for small businesses. Before you commit, see how it compares to alternatives like Clover, Shopify, and Lightspeed.
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 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.
Which Do You Think is Best?
You Might Also Like
Best Credit Card Processing for Nonprofits
These credit card processing providers offer special discount rates for nonprofits. Save on fees so you can keep more funds for what truly matters.
National Processing Review
National Processing offers low rates and free equipment. But what's the catch? See if this low-cost merchant services provider is right for your business.
Merchant Account Requirements
Does your business qualify for a merchant account? Here are 10 merchant account requirements you need to provide for your application.
Interchange Rates
See detailed breakdowns of the current interchange rates for Visa, Mastercard, Discover, and Amex. Plus, learn how you can save on interchange fees.
Helcim Review
Helcim is a top-rated merchant account provider for customer service. It offers interchange-plus pricing with volume discounts. Is it right for you?
10 Cheapest Ways to Take Credit Card Payments
Taking credit card payments is crucial, but unnecessary fees can destroy your profits. Here are 10 of the cheapest options to reduce processing costs.
How Credit Card Processing Works
What happens during credit card processing? Knowing the process will let you understand where the processing fees go and why. Read on.
Virtual Terminals
A virtual terminal lets you process credit cards from anywhere without needing a physical machine. But it can be an expensive way to take payments.
Best Credit Card Processing for Small Business
The best credit card processing companies offer transparent pricing, flexible terms, and good features. Here are the top processors to choose from.
How to Accept Credit Card Payments Without a Merchant Account
Merchant accounts can be too complicated for small businesses. Here's how to quickly accept credit card payments without a merchant account.
Next Page: Payline Data
