Save money and be informed. CreditDonkey is a credit card processing comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

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 Helcim.

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?





You Might Also Like

National Processing Review
National Processing

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.
How to Cancel a Merchant Account

How to Cancel a Merchant Account

Canceling a merchant account shouldn't be so difficult, but it often is. Read on to learn how to exit your processing agreement as smoothly as possible.
Merchant Account Requirements

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

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

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

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.
Best Credit Card Processing for Small Business

Best Credit Card Processing for Small Business

The best credit card processing providers offer transparent pricing, flexible terms, and good features. Here are the top processors for different businesses.
Square vs Merchant Account
Square

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 to Accept Credit Card Payments Without a Merchant Account

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.
Credit Card Processing Fee Calculator

Credit Card Processing Fee Calculator

Are your credit card processing fees too high? What is a fair rate? Use our calculator tool to see if you are overpaying.

Next Page:

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.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2021 CreditDonkey Inc. All Rights Reserved.