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Payline vs Stripe

Payline is a good credit card processor for most businesses. How does it compare to Stripe? 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 Stripe has 2.7% + $0.05 per swiped transaction and 2.9% + $0.30 per online transaction. There is no monthly fees and no contract. With customizable API, Stripe offers complete personalization of your online checkout experience.

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

 Payline
 Visit SiteLearn More
 

Payline

Stripe

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer Service
Phone, Email
Phone (by request), Email, Live Chat, IRC
Good ForBusinesses processing $5,000 or more per monthOnline businesses; Customized checkout experience
EquipmentPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online ProcessingOnline Processing, Terminal, Stripe for Marketplace & Platforms, Billing Services (subscription & invoicing)
Pricing Model
Interchange-Plus
Flat rate
Swipe Rate
Interchange + 0.2% + $0.10
2.7% + 5¢
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
2.9% + 30¢
Deposit Time
1-2 business days
7-14 days after the first successful payment
Chargeback Fee
$15 - $25
$15
 

CreditDonkey® Reviews

 Payline
PriceStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty Star
ContractStarStarStarStarStar
EcommerceStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarStarEmpty Star
Low Volume BusinessStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineGood credit card processor for most businesses... Read full review Read full review
 Visit SiteLearn More

Which is Better: Payline or Stripe?

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.


Articles on Payline

Payline Data Review

Payline Data offers merchant services but can it help your business? Find out how the fees compare to processors like Square.

Articles on Stripe

Stripe Review

Stripe charges straightforward low fees for online credit card payments. But it's not right for all businesses. Read on to see if it's right for you.

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.

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