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Payline Review

Lori Fairbanks
Lori Fairbanks

Payline, previously known as Payline Data, is a full-service credit card processing company owned by Pineapple Payments. It works with both established and new businesses in many industries, including retail, restaurant, e-commerce, healthcare, nonprofit, and education. It also provides its processing services for some high-risk businesses.



The Verdict

Payline provides merchants with industry-recommended interchange-plus rates and favorable month-to-month terms with no early termination fees, making it a great choice for businesses of all sizes.

Payline posts its processing rates and fees 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 it doesn't charge a PCI compliance fee, which is a plus.

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

Pricing and Terms

Payline offers its customers interchange-plus pricing, which industry experts recommend as the most transparent and cost-effective pricing model for most businesses.

Payline's main pricing plan is easy to find and clearly outlined on its website, but if you're interested in its processing equipment or specialty rates for medical practices, nonprofit and educational organizations, or high-risk businesses, you'll need to speak with a sales rep.

Businesses that accept credit cards in person, either in a retail setting or on the go using a mobile device pay:

  • Interchange plus: 0.2% + $0.10

  • A $10 monthly fee, with the first month free

  • No PCI compliance, payment gateway, annual or cancellation fees

Businesses that accept card-not-present payments, such as e-commerce businesses and those that take payments by mail or over the phone pay:

  • Interchange plus: 0.4% + $0.20

  • A $20 monthly fee, with the first month free

  • No PCI compliance, annual or cancellation fees

Custom Pricing

Rate-match pricing is available if you're already processing. You can send Payline your last three statements, and the company will either match or beat your current rates. When you call the company, a sales rep reviews your statements with you, determines where and how it can save you money, and provides a custom quote.

Enterprise Pricing

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

Other Fees

Like many full-service credit card processing companies, Payline has a $25 monthly minimum processing requirement. If a customer disputes a sale and a chargeback occurs, you'll be charged $25 if you lose the dispute. If you don't complete the PCI compliance survey within 90 days of setting up your account, you'll be charged a $19.95 PCI noncompliance fee every month until you do so. Optional services that you add to your account may cost extra.


This credit card processor advertises that it has no long-term contracts and no early cancellation fees on its website. However, like most credit card processing contracts, the standard contract has a three-year term with an early termination clause that includes liquidated damages. As you should with any payment processing contract, it's important to 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 offers small businesses multiple ways to accept credit cards. Whether you own a retail business or a restaurant, provide professional services, or sell products online, Payline has a credit card processing solution for you. Its other processing services include subscription billing, Level 3 processing, sales analytics, QuickBooks data syncing and fraud protection.


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

In-Store Credit Card Processing

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

Mobile Credit Card Processing

With Payline, you can accept credit cards anytime, anywhere using a mobile phone or tablet. It offers Ingenico and Clover mobile card readers that accept magstripe cards, chip cards and contactless payments.

Online Credit Card Processing

Payline Gateway makes it easy for e-commerce businesses to accept credit cards online. It integrates with more than 200 online shopping carts and e-commerce platforms, including popular options like 3dcart, BigCommerce, Magento, and Shopify. Payline also integrates with QuickBooks. If you need a custom integration, APIs are available.

Virtual Terminal

You can use this option for card-not-present transactions, such as payments you accept over the phone or key in instead of using a card reader. The virtual terminal is included with the online plan at no extra cost.

Additional Considerations

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

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 FAQs and a searchable blog with helpful articles.


Although Payline posts its rates and monthly fee on its website, there's no pricing for its processing hardware. So, even though you can fill out the application online, you'll still need to call the company and speak with a sales rep. Pricing for its specialty programs is also missing from its website.

Like most processors, Payline has a standard contract with a three-year term with a clause for early termination fees. As you would with any payment processor, you 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 month-to-month service and any changes or waived fees the rep offers you.

Editor's note: Looking for the right credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.

Image Credit: radifanil / Getty Images


The Verdict

Payline provides merchants with industry-recommended interchange-plus rates and favorable month-to-month terms with no early termination fees, making it a great choice for businesses of all sizes.

Lori Fairbanks
Lori Fairbanks Staff
Lori Fairbanks is a writer and editor for and Business News Daily who has written about financial services for small businesses for more than seven years. Lori has spent hundreds of hours researching, analyzing and choosing the best options for critical financial-related small business services, including credit card processing services, point-of-sale (POS) systems and employee retirement plans. Lori's publishing experience is extensive, having worked as a magazine editor and then as a freelance writer and editor for a variety of companies.