Payline Data Review

Rates and Fees
100/100
Truth in Advertising
100/100
Consumer Reviews
80/100
Customer Support
90/100
4.5

Best for

Standard Risk Businesses

Specializes in

MOTO and Online

Pricing Summary

Setup Fee: $0

Monthly Fee: $10 (swipe), $20 (keyed)

Swipe Rate: 0.20% + $0.10/transaction

Keyed-in Rate: 0.30% + $0.20/transaction

Early Termination Fee : $0

Contract Terms:

Month-to-month
Visit Payline Data

A merchant account provider headquartered in Chicago, Illinois that boasts transparent pricing and same-day approvals.

Payline Data Overview

 

Payline is a merchant account provider that specializes in providing payment processing solutions for eCommerce, MOTO, (mail order/telephone order) and other standard and high-risk businesses, primarily in the US.

Payline caters to a variety of industries including merchants, high-risk clients, and ISO agents. Payline’s comprehensive solution comes with multiple hardware options, a virtual terminal, mobile application, a dedicated account manager, and chargeback prevention tools.

Payline customers also enjoy 24/7 support, low rates, ACH services, same day approvals, and Quickbooks integrations, and a robust API for integrations.

Payline does serve lower-risk & brick-and-mortar establishments, as well as established high risk businesses with good history and strong financials.

Quick Facts

Head Quarters

350 N Orleans #9000n, Chicago IL 60654

Year Founded

2009

CEO

Jeff Shea

Employees

11-50

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

Zero setup fee.

No early termination fee.

Month to month contract.

Provides same day approvals.

Has multiple hardware options.

What We Don't Like

Not available to international merchants.

Equipment pricing not listed on the website.

Hidden developer tools.

Not ideal for merchants who process under $1,500 a month.

Employs independent sales agents.

Industries Served

  • Accounting & Tax Prep
  • Airlines
  • Bail Bonds
  • Clothing & Apparel
  • Convenience Store
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Hosting
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Legal
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SEO & SEM Services
  • Smoking Accessories
  • Telemedicine
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Digital Downloads
  • Discount Buying Club
  • Ecommerce
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Tech Support

Payline Data Products & Services

 

Payline is a Standard Risk and High Risk Merchant Account Specialist that provides products & services designed for small businesses to Fortune 500 enterprise companies.

Payline’s services include credit card processing solutions for eCommerce, MOTO, and in-person swipe businesses. With over 40+ dedicated account managers, you can expect to reach a real person when you call.

Payline also provides specialized training to help connect your company to the right tools & support needed to grow your business.

Payline’s motto is “payments made simple'', offering free cost comparisons, seamless setup and chargeback/fraud prevention. Their solutions have hundreds of integrations for multiple business types & industries.

Payline Data Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Contactless NFC
  • Credit Card Terminals
  • EBT Acceptance
  • EMV Processing
  • Gift Card Management
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Ongoing Negotiation & Advocacy
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Retail Payment Processing
  • Returns Management
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Payline Data Billing & Invoicing

  • Billing Portal
  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing
  • Recurring/Subscription Billing
  • Tax Calculator

Payline Data Advertising & Sales

 
Payline is generally considered to be truthful & ethical in their marketing, advertising & sales practices. They do employ independent sales agents, which is typically a red-flag that you are dealing with someone who is more concerned with closing deals and getting a commission than representing the company ethically, but there are almost no public complaints about this happening.

However, there is a lot left out publicly on Payline’s website in regards to their pricing structures. This does not necessarily reflect a company is being deceptive, as many providers prefer to handle questions & objections related to price after giving value.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

No

Payline Data Pricing, Rates & Fees

 

Payline is a merchant account provider that specializes in providing payment processing solutions for eCommerce, MOTO, (mail order/telephone order) and other standard and high-risk businesses, primarily in the US.

Payline caters to a variety of industries including merchants, high-risk clients, and ISO agents. Payline’s comprehensive solution comes with multiple hardware options, a virtual terminal, mobile application, a dedicated account manager, and chargeback prevention tools.

Payline customers also enjoy 24/7 support, low rates, ACH services, same day approvals, and Quickbooks integrations, and a robust API for integrations.

Payline does serve lower-risk & brick-and-mortar establishments, as well as established high risk businesses with good history and strong financials.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

0.20% + $0.10/transaction

Keyed-in Rate

0.30% + $0.20/transaction

Mobile Payment Rate

2.90% + $0.30

Virtual Terminal Rate

2.90% + $0.30

Monthly Fee

$10 (swipe), $20 (keyed)

Payment Gateway Fee

$0

Batch Fee

$0.00

Early Termination Fee

$0

PCI Compliance Fee

Undisclosed

Equipment Lease Terms

Undisclosed

Address Verification Service (AVS)

$0.05 per online transaction

Application Fee

N/A

Account Setup Fee

$0

Gateway Setup Fee

N/A

Annual Fee

N/A

Monthly Minimum

$25

Statement Fee

N/A

Payline Data Contract & Terms

Payline Data does not publicly disclose their merchant application or contract terms & conditions, though it has been found that the contract length is typically month-to-month with the first month free.

In general, it can be said that contract terms can vary depending on the nature of your business.

Payline does not have an early termination fee (ETF), but we always encourage merchants to read the fine print on all applications and contracts.

Contract Length

Month-to-month

Early Termination Fee

$0

Payline Data Setup & Support

 

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)
  • Domestic Phone Support (After Hours)
  • Documentation / Knowledge Base
  • Ticketing System
  • Email Support

Payline Data Complaints, Ratings & Reviews

Payline is a generally highly reviewed company. We found some consumer complaints on various websites, but they seem to be either isolated incidents or left by unconfirmed customers.

Additionally there is a Google Business profile with very good reviews, 4.3 stars on 52 reviews.

We could not find any outstanding class-action lawsuits or FTC complaints filed against Payline.

Ratings

BBB

N/A

Google

4.3 Stars | 52 Reviews

Facebook

N/A

Yelp

N/A

Reviews

Total Online Reviews

< 250

Total Online Complaints

< 10

Lawsuits

0

Payline Data Alternatives

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