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.
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| | SPECIAL OFFER Square Reader: Free Mobile Credit Card Reader - Learn MoreRead Square Review |
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| Benefits and Features |
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Customer Service | Phone, Email | Phone, Email, Live Chat Support, Seller Community |
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Good For | Businesses processing $5,000 or more per month | Mobile & small businesses with average transaction over $100 |
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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. |
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Pricing Model | Interchange-Plus | Flat rate |
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ACH Payments | | 1% ($1 minimum) |
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Swipe Rate | Interchange + 0.4% + $0.10 | 2.6% + 10¢ |
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Online Rate | Interchange + 0.75% + $0.20 | 2.9% + 30¢ |
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Monthly Fee |
- $10 per month for in-person processing
- $20 per month for online processing
- $10 per month for virtual terminal
| No monthly fees |
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Keyed-in Transaction Fee | Interchange + 0.75% + $0.20 | 3.5% + 15¢ |
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Deposit Time | Next business day | Payments before 5PM PT / 8 PM ET is available the next business day |
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Chargeback Fee | $25 | None |
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| CreditDonkey® Reviews |
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Price |      |      |
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Customer Service |      |      |
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Equipment |      |      |
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Contract |      |      |
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Ecommerce |      |      |
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High Volume Business |      |      |
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Low Volume Business |      |      |
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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
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Bottom Line | Good credit card processor for most businesses... Read full review | Good credit card processor for low-volume businesses... Read full review |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. |
- Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
- Accept Credit Cards Anywhere
- Fast Setup, No Commitments
- Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
- Accept Chip Cards and Contactless Payments Anywhere
- 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 offers merchant services but can it help your business? Find out how the fees compare to processors like Square.
Articles on Square
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 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.
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, Stripe, and PayPal are the most popular credit card processors for small businesses. What's the difference and which is right for you?
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 is simple with flat rate pricing, but a merchant account can provide better savings. Which is better for your business? Read on to compare.
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 offers a free credit card reader. But there are transaction rates and processing fees you need to be aware of.
Is Square or PayPal better for your small business? Find out how they compare in pricing and features.
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