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Payline Data is a Chicago-based payment processor that can accept most credit and debit card payments, as well as e-checks and ACH transfers. Payline’s affordable and transparent pricing helps business owners accurately calculate their payment processing fees, and its user-friendly interface makes it a good option for small-business owners.
However, many of its highly-rated features — along with a lot of information on its website — are no longer available. This is likely due to its acquisition by Pineapple Payments, resulting in less-than-positive recent reviews.
Starts at $10 per month.
Payment processing cost
Plans are offered month-to-month and can be canceled at any time for no additional fee.
24/7 phone support, plus a dedicated blog featuring guides and tutorials on how to use Payline’s products.
Payline partners with Verifi’s Cardholder Dispute Resolution Network to offer fraud and chargeback protection. For extra security, Payline requires all customers to verify their CVV at check out and uses an AVS check system to confirm address information.
Ease of use
User-friendly, according to reviews.
How it works
Payline Data is a front-end processor, meaning it connects your business to credit card networks and provides authorization and settlement services with your merchant account. It directly integrates into most shopping carts and point-of-sale systems.
Depending on the nature of your business and the sales channels you use, Payline Data offers several methods to make sure you’re able to accept payments from your customers. Payline Data provides solutions for in-store, online and mobile payments in addition to payment solutions for high-risk merchants, enterprise businesses and health care services.
If you’re an e-commerce merchant, you’ll need a payment gateway in order to accept payments online. Payline Data provides an in-house solution that integrates with a variety of e-commerce platforms and shopping carts, including Shopify and BigCommerce. You can use it to accept credit, debit and electronic payments, process invoices and arrange recurring payments.
You can expect funds from your merchant account to be deposited into your business bank account by the next day, giving you access to your profits as soon as possible.
Although Payline Data integrates with several e-commerce platforms and POS systems, it also offers an API that allows developers to integrate Payline’s payments system into additional software products.
Arguably the best thing about Payline Data is its pricing — it’s both affordable and transparent. Payline charges a small monthly fee for both in-person and online transactions, plus the interchange rate and a per-transaction fee. As a bonus, they offer the first two months at no cost so you can try their software risk-free.
To estimate your business’s monthly fees, Payline offers a free calculator on its website where you can input your payment method (online or in person), average transaction amount and average monthly payment volume. For example, a merchant who processes $1,000 in in-person transactions per month at an average of $25 per transaction can expect to pay $30 in fees.
Both plans— in person for brick-and-mortar merchants and online for e-commerce businesses — are offered month-to-month and can be canceled at any time for no additional fee. PCI compliance is included at no additional cost.
It’s important to note that the plan offerings can’t be combined. Since it wouldn’t be ideal to pay the monthly fee for both plans, Payline Data could be an affordable option for businesses that require only one type of plan.
Designed for: Merchants that take payments through mobile readers, countertop readers and in-store POS systems.
Software cost: $10 per month.
Payment processing cost: Interchange rate plus 0.2% and 10 cents.
Designed for: E-commerce merchants.
Software cost: $20 per month.
Payment processing cost: Interchange rate plus 0.4% and 20 cents.
Not only are Payline Data’s prices affordable, but they’re clear. Prices are explicitly stated on the website — including interchange rates, per-transaction fees and other fees — and the free calculator helps determine your monthly total. Also, if an issue ever arises with your service, you can drop Payline at no cost whatsoever.
Reduced information and features
Much of the Payline Data website has been stripped down, resulting in little information on its highly-reviewed features such as dedicated merchant accounts, integrated hardware and more. These changes may be due to Payline Data’s acquisition by Pineapple Payments, a Pittsburgh-based payment processing company.
The more recent reviews of Payline Data have been less than positive, potentially reflecting a decrease in quality and clarity from the company. There are very few customer reviews from the last several years, and of those reviews, many note issues with customer service responsiveness and a lack of transparency from sales representatives.
As a payment processor, Square’s rates are a bit higher than what you get with Payline Data (in-person payments are 2.6% per transaction plus 10 cents). However, Square doesn’t charge a monthly fee and provides a full range of POS hardware and software, which is a missing feature from Payline Data. If you want to have all your commerce needs with one vendor, Square is a good way to go.
PayPal is one of the largest payment processors in the world, and it offers per-transaction fees that are similar to Square’s (2.7% on in-person payments). Like Payline, it has solutions for brick-and-mortar and e-commerce merchants and features like mobile payments, invoicing and ACH transfers. PayPal also offers small-business features outside of traditional processing, including financing options, shipping services and a debit card. Like Payline, PayPal can integrate with most POS systems — all of which make it a solid option for small-to-medium businesses.
A version of this article was first published on Fundera, a subsidiary of NerdWallet.