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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 and healthcare. It also provides its processing services for some high-risk businesses.



The Best Credit Card Processors of 2020

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 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.

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

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 the many credit card processors that aren't as open about their rates.

Payline offers several plans, with options designed for businesses that accept payments in person or online, and provides special pricing for medical practices. If you already accept credit cards or have a high processing volume, you may qualify for custom pricing. Discounted rates are available for nonprofit organizations. Here's an overview of Payline's pricing plans:

The Payline Start plan is for businesses that accept credit cards in person, either in a retail setting or on the go using a mobile device.

  • Interchange plus: 0.2% + $0.10 (including American Express cards)
  • $10 monthly fee
  • No annual, PCI compliance, payment gateway, annual or cancellation fees

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

  • Interchange plus: 0.3% + $0.20 (including American Express cards)
  • $10 monthly fee
  • $10 monthly payment gateway fee and $0.10 per transaction
  • No PCI compliance, annual or cancellation fees

The Payline Medical plan, designed specifically for medical professionals, is HIPAA and PCI compliant, and you can accept payments in the office, on the go and in installments.

  • Interchange plus: 0.3% + $0.10 (including American Express cards)
  • ACH check processing: 0.4% + $0.10
  • Virtual terminal (optional): $10 per month and $0.05 per transaction
  • No monthly, annual, PCI compliance 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 will review your statements with you, determine where and how it can save you money, and provide a custom quote.

Enterprise Pricing

Businesses that process more than $80,000 per month can 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 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

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 175 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. Virtual terminals cost an additional $10 per month and are particularly useful for accepting credit cards by phone, email or mail order.

High-Risk Processing

Payline works with businesses in some high-risk industries, but you'll need to call the company for a pricing quote specific to your business. You can view a list of the industries it supports on its website.

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 a Getting Started guide, explainer videos, whitepapers and a searchable blog with helpful articles.


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 Best Credit Card Processors of 2020

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,
business.com Writer
See Lori Fairbanks's Profile
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 a magazine editor and then as a freelance writer and editor for a variety of companies, including marketing firms and a medical university. She now writes about small business finance, including accounting software, credit card processing and point-of-sale systems for business.com and Business News Daily.