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:
A merchant account provider headquartered in Chicago, Illinois that boasts transparent pricing and same-day approvals.
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.
Head Quarters
350 N Orleans #9000n, Chicago IL 60654
Year Founded
2009
CEO
Jeff Shea
Employees
11-50
Merchant Provider Risk Tolerance
Zero setup fee.
No early termination fee.
Month to month contract.
Provides same day approvals.
Has multiple hardware options.
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.
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.
Discloses All Important Terms
No
Public Pricing Available
No
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 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 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 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.
BBB
N/A
4.3 Stars | 52 Reviews
N/A
Yelp
N/A
Total Online Reviews
Total Online Complaints
Lawsuits
0
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks