Square vs Payline

Square is a good credit card processor for low-volume businesses. How does it compare to Payline? Read our comparison chart below.

Square has a low swipe fee of 2.6% + $0.15 per transaction with Square Free. 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.

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

	Square	Payline

	Visit Site	Visit Site
	SPECIAL OFFER Square Reader: Free Mobile Credit Card Reader - Learn More Read Square Review
	Benefits and Features
Monthly Fee	$0 (Free), $49/mo (Plus), and $149/mo (Premium)	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal
Good For	Mobile & small businesses with average transaction over $100	Businesses processing $5,000 or more per month
Equipment	Card reader: $0 to $59; Stand, Terminal, and Register available for purchase	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing
Accept International Payments	USD payments only
Customer Service	Phone, Email, Live Chat Support, Seller Community	Phone, Email
Fraud Prevention Tools
Invoice Management
Pricing Model	Flat rate	Interchange-Plus
Recurring Billing
ACH Payments	1% ($1 minimum)
Swipe Rate	2.6% + 15¢ (Free), 2.5% + 15¢ (Plus), and 2.4% + 15¢ (Premium)	Interchange + 0.4% + $0.10
Online Rate	3.3% + 30¢ (Free) and 2.9% + 30¢ (Plus/Premium)	Interchange + 0.75% + $0.20
Keyed-in Transaction Fee	3.5% + $0.15	Interchange + 0.75% + $0.20
Deposit Time	Payments before 5PM PT / 8 PM ET is available the next business day	Next business day
Chargeback Fee	None	$25
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: No monthly or annual fee Free swipe card reader Low, predictable flat rates Cons: Flat-rate pricing can be expensive for larger businesses 24/7 phone support only on Premium plan Advanced features require a paid plan	Pros: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement
Bottom Line	Good credit card processor for low-volume businesses... Read full review	Good credit card processor for most businesses... Read full review
	Visit Site	Visit Site
	Square Reader: Free Mobile Credit Card Reader Square Contactless and Chip Card Reader Square Terminal
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

Pay 2.6% + 15¢ Per Swipe for Visa, Mastercard, Discover, and American Express
Accept Credit Cards Anywhere
Fast Setup, No Commitments

Get Free Reader

Square Contactless and Chip Card Reader

Pay 2.6% + 15¢ per tap or dip for Visa, Mastercard, Discover, and American Express
Accept Chip Cards and Contactless Payments Anywhere

Learn More

Square Terminal

Learn More

2.6% + 15¢ per tap, dip, or swipe
Fully integrated POS system with built-in receipt printer
5.5" display

Which is Better: Square or Payline?

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

In short: Square's equipment, ecommerce, and low volume business are noteworthy. In particular, the equipment and low volume business are impressive. Payline's customer service and high volume business are noteworthy.

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

Explore a thorough review of Square's cost, security, and benefits for businesses. Find out if it's the right choice for you.

Best Square POS Alternatives

Square or Clover? Square or Shopify? Solve your POS dilemmas with this in-depth comparisons of top Square POS alternatives for small businesses.

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.