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Payment Depot vs Payline

Payment Depot is a cheap merchant account provider for high-volume businesses. How does it compare to Payline? Read our comparison chart below.

Payment Depot offers 4 pricing plans based on business volume. It starts at $49/mo, plus Interchange + $0.15 per transaction, whether swiped or online. Larger monthly processing volumes get larger discounts. There is no contract.

While 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.

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

 Payment DepotPayline
 Visit SiteVisit Site
 

Payment Depot

Payline

SPECIAL OFFER
Save 40% or More - Learn More

Read Payment Depot Review

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer ServicePhone, Email, Ticket Center, Social Media Platforms (Facebook, Twitter, LinkedIn)
Phone, Email
Good ForBusinesses processing $20,00 or more per monthBusinesses processing $5,000 or more per month
EquipmentPOS (EMV, Magstripe, NFC, Contactless, Smart Terminals), Mobile Payment Processing, Online Payment ProcessingPOS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Pricing Model
Subscription
Interchange-Plus
Swipe RateInterchange + 15¢ (for processing up to $25,000/mo; discounts for larger volume)
Interchange + 0.2% + $0.10
Online RateInterchange + 15¢ (discounts for larger volume)
Interchange + 0.40% + $0.20
Monthly Fee$49/month (process up to $25,000/mo)
$79/month (up to $75,000/mo)
$99/month (up to $150,000/mo)
$199/month (over $150,000/mo)
$10 per month for in-person processing
$20 per month for online processing
$10 per month for virtual terminal
Keyed-in Transaction FeeInterchange + 15¢ (discounts for larger volume)
Interchange + 0.40% + $0.20
Deposit Time
Next day deposits
1-2 business days
Chargeback Fee 
$15 - $25
 

CreditDonkey® Reviews

 Payment DepotPayline
PriceStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarEmpty StarStarStarStarStarEmpty Star
ContractStarStarStarStarStarStarStarStarStarStar
EcommerceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
High Volume BusinessStarStarStarStarStarStarStarStarStarEmpty Star
Low Volume BusinessStarEmpty StarEmpty StarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Affordable membership pricing
  • Free equipment with some plans
  • Cancel anytime
Cons:
  • Not ideal for small businesses
  • Equipment return fee
Pros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineCheap merchant account provider for high-volume businesses... Read full reviewGood credit card processor for most 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: Payment Depot or Payline?

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Payment Depot or Square.

In short: Payment Depot's ecommerce and high volume business are notable. In particular, the high volume business is excellent. Payline's low volume business is noteworthy.


Articles on Payment Depot

Payment Depot Review

Is Payment Depot the best merchant service provider for your business? See how it compares to credit card processors.

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.

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.

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