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Payline Review

By Lori FairbanksLast Modified: June 21, 2018

Payline is a full-service credit card processing company owned by Pineapple Payments. This processor impresses with its transparency, listing its processing costs, fees and terms online. It offers interchange-plus pricing to all its customers, and its rates are better than average. It has an easy application process, attractive service terms and some of the best customer service of the processors we reviewed. This processor works with both established and new businesses in many industries, including retail, restaurant, e-commerce and healthcare. It also provides its processing services for some high-risk businesses.

Visit our best picks page to see all our recommendations for credit card processing companies.

Payline Credit Card Processing
Payline Credit Card Processing
Credit Card Processing Reviews 2018
The Verdict
Payline provides merchants with industry-recommended interchange-plus rates and favorable month-to-month terms with no fees for early cancellation.
Compare Quotes

Pricing and Terms

Payline offers all its customers interchange-plus pricing, which industry experts recommend as the most transparent and cost-effective pricing model for most businesses. Payline's pricing is easy to find and clearly outlined on its website, which is a breath of fresh air compared to many credit card processors that aren't as open about their rates.

Payline offers five plans, with options designed for businesses that are just starting out, established businesses with a higher volume of monthly sales, online businesses and medical practices. If you already accept credit cards, you may qualify for custom pricing. When you call the company, a sales rep will review your current statements with you, determine where and how it can save you money, and provide a custom quote. Discounted rates are available for nonprofit organizations. Here are Payline's plans.

Payline Start

This starter plan is for businesses that process less than $5,000 per month. It includes mobile software.

  • 0.5 percent plus 10 cents above interchange
  • 0.8 percent plus 10 cents above interchange for American Express cards
  • No monthly, annual, gateway or cancellation fees

Payline Shop

Established in-store businesses wanting to accept credit cards simply can use this plan. It includes mobile software and a virtual terminal.

  • 0.3 percent plus 10 cents above interchange
  • 0.8 percent plus 10 cents above interchange for American Express cards
  • $10 monthly fee
  • No annual or cancellation fees

Payline Connect

This plan is for e-commerce businesses. It can integrate with your website and includes subscription billing tools, a virtual terminal and mobile software.

  • 0.65 percent plus 10 cents above interchange
  • 0.8 percent plus 10 cents above interchange for American Express cards
  • $10 monthly gateway fee plus 10 cents per transaction
  • No monthly, annual or cancellation fees

Payline Medical

Designed specifically for medical professionals, this plan is HIPAA and PCI compliant, and you can accept payments in the office, on the go and in installments.

  • 0.4 percent plus 10 cents above interchange, including for American Express cards
  • Optional: $10 per month for a virtual terminal plus 5 cents per transaction
  • No monthly, annual, PCI compliance or cancellation fees

Enterprise Pricing

Businesses that process more than $80,000 per month may qualify for discounted rates from Payline. When you call the company for a quote, its account executives work with you to design a customized plan to fit your business's processing needs.

Other Fees

Like many full-service credit card processing companies, Payline charges a $99 annual PCI compliance fee and has a $25 monthly minimum processing requirement. If a customer disputes a sale and a chargeback occurs, you're charged $35. Optional services that you add to your account may cost extra.

Payout

Payline is faster than average at clearing the account and depositing processed funds into your business bank account, taking one or two business days from when you batch out. The industry average is two business days.

Terms

This credit card processing company advertises on its website that it has no long-term contracts or cancellation fees. However, like most credit card processing contracts, the standard contract has a three-year term with an early termination clause that includes liquidated damages. It's important that you read the entire document (application, terms of service and program guide) and request an amended contract or a written waiver from your sales rep to ensure you receive favorable terms.

Payline Credit Card Processing
Payline Credit Card Processing
Credit Card Processing Reviews 2018
The Verdict
Payline provides merchants with industry-recommended interchange-plus rates and favorable month-to-month terms with no fees for early cancellation.
Compare Quotes

Features

Payline offers small businesses multiple ways to accept credit cards. Whether you own a retail business or restaurant, provide professional services, or sell products online, Payline has a credit card processing solution for you. Other processing services Payline offers include subscription billing, Level 3 processing, sales analytics, QuickBooks data syncing and fraud protection.

In-store Credit Card Processing

Payline can set you up with a credit card terminal from Ingenico or Verifone. It also offers Poynt Smart Terminals. All options are EMV compliant so you can accept chip cards and avoid counterfeit fraud liability. Some are also NFC-enabled so you can accept mobile wallets like Apple Pay and Google Pay.

Mobile Credit Card Processing

Payline also lets you accept credit cards anytime, anywhere using a mobile phone or tablet. It offers an Ingenico mobile card reader that accepts magstripe and chip cards and contactless payments.

Online Credit Card Processing

Payline Gateway makes it easy to accept credit cards online. It integrates with more than 175 online shopping carts and e-commerce platforms, including popular options like 3dcart, BigCommerce and Magento. APIs are also available for custom integrations.

Virtual Terminal

Use this option for card-not-present transactions. Virtual terminals are particularly useful for accepting credit cards by phone, email or mail order.

Additional Considerations

Payline gives its merchants a dedicated sales rep, so there's always a point of contact who's on top of your business's communication with the company and knows of any issues you've experienced. In addition to one-on-one support, Payline has a getting-started guide, whitepapers and a searchable blog with helpful articles.

Payline has a fast and easy application process. You can complete it online in approximately 10 minutes and set up an account the same day, though some accounts may take longer to approve.

Drawbacks

Although Payline is very transparent with its rates and provides pricing for multiple plans, it doesn't list all its fees, including an annual PCI compliance fee and monthly minimums. As you would with any processor, you'll want to read the entire contract (application, terms of service and program guide) before signing anything or providing your bank account or Social Security numbers. You also want to ask the sales rep about any fees listed in these documents that you haven't discussed and get an amended contract or written waiver for any changes or waived fees the rep offers you.

Editor's note: Looking for a credit card processor? Click the Compare Quotes button below to have our sister site Buyer Zone connect you with vendors that can help.

Payline Credit Card Processing
Payline Credit Card Processing
Credit Card Processing Reviews 2018
The Verdict
Payline provides merchants with industry-recommended interchange-plus rates and favorable month-to-month terms with no fees for early cancellation.
Compare Quotes
Ready to choose your Credit Card Processing Reviews 2018? Here's a breakdown of our complete coverage:
Lori Fairbanks
Lori Fairbanks has years of experience writing and editing for both print and online publications. After graduating from Brigham Young University with a Bachelor of Arts in English, she worked as an editor for Creating Keepsakes magazine and then as a freelance writer and editor for a variety of companies, including marketing firms and a medical university. She joined Purch in 2014 as a senior writer for Top Ten Reviews and now writes for Business.com and Business News Daily.

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