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†

Square vs Payline


 SquarePayline
 Visit SiteVisit Site
 

Square

Payline

SPECIAL OFFER
Square Reader: Free Mobile Credit Card Reader - Learn More

Read Square Review

SPECIAL OFFER
Free 1st Month of Processing - Learn More

Read Payline Review

 

Benefits and Features

Customer ServicePhone, Email, Live Chat Support, Seller Community
Phone, Email
Good ForMobile & small businesses with average transaction over $100Businesses processing $5,000 or more per month
EquipmentFree magstripe card reader; $49 for contactless + chip reader; Stand, Terminal, and Register available for purchase.POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Pricing Model
Flat rate
Interchange-Plus
ACH Payments
1% ($1 minimum)
 
Swipe Rate
2.6% + 10¢
Interchange + 0.4% + $0.10
Online Rate
2.9% + 30¢
Interchange + 0.75% + $0.20
Monthly Fee
No monthly fees
  • $10 per month for in-person processing
  • $20 per month for online processing
  • $10 per month for virtual terminal
Keyed-in Transaction Fee
3.5% + 15¢
Interchange + 0.75% + $0.20
Deposit TimePayments before 5PM PT / 8 PM ET is available the next business day
Next business day
Chargeback Fee
None
$25
 

CreditDonkey® Reviews

 SquarePayline
PriceStarStarStarStarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
EquipmentStarStarStarStarStarStarStarStarStarEmpty Star
ContractStarStarStarStarStarStarStarStarStarStar
EcommerceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
High Volume BusinessStarEmpty StarEmpty StarEmpty StarEmpty StarStarStarStarStarEmpty Star
Low Volume BusinessStarStarStarStarStarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • 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
Pros:
  • User-friendly interface
  • Transparent interchange-plus pricing model
Cons:
  • Monthly fee
  • $25 monthly minimum processing requirement
Bottom LineGood credit card processor for low-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.

Square Reader: Free Mobile Credit Card Reader

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

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

Square POS: Point of Sale System

  • Advanced analytics and insights
  • Inventory and customer management
  • Track employee time cards and grant permission levels

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.

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.

Which Do You Think is Best?





You Might Also Like

Chase Business Complete Banking Review
Chase

Chase Business Complete Banking Review

Chase Business Complete Banking offers an all-in-one account with business checking and credit card processing. Is it right for you?
Best Credit Card Processing for Nonprofits

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

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

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.
How Credit Card Processing Works

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

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

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 for different businesses.

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
© 2022 CreditDonkey Inc. All Rights Reserved.