Payline Data
Transparent interchange-plus payment processing for in-person, online, and recurring payments.
Founded
2010
Starting Price
Interchange + 0.2% + 10¢
Category
E-commerce Payments
Last updated June 12, 2026
About Payline Data
Payline Data is a Chicago-based payment processing company founded in 2010 that serves over 20,000 merchants nationwide. It offers interchange-plus pricing for card-present, card-not-present, and recurring transactions, with month-to-month agreements, no cancellation fees, and next-day funding.
Pros & Cons
Pros
- Transparent interchange-plus pricing keeps markups predictable and low
- No application, cancellation, or long-term contract fees, with the first month free
- No separate PCI compliance charge
- Next-day funding into your bank account
- Supports in-person, online, recurring, and high-risk payments from one provider
Key Features
Interchange-Plus Pricing
Pay the actual card-network interchange cost plus a flat, transparent Payline margin instead of bundled markups.
In-Person Payments
Accept swipe, chip, and contactless payments at the counter or on the move using countertop or smart handheld terminals.
Online Payments
Spin up a ready-to-run online store or integrate payments into an existing website via the Payline Connect gateway and virtual terminal.
Recurring Billing
Manage memberships, subscription plans, payment schedules, and retainers with automated recurring billing.
Next-Day Funding
Deposits are made into your bank account the next day for faster access to revenue.
No PCI Compliance Fees
Payline does not charge separately for PCI compliance, unlike many processors.
Month-to-Month Agreements
No application fee, no cancellation fee, and no term length; agreements run month by month with the first month free.
Pricing
Card Present
Interchange + 0.2% + 10¢/month
- $10/month account fee
- Swipe, chip, and contactless in-person payments
- Next-day funding
- No PCI compliance fee
- Month-to-month, no cancellation fee
Best For
Retail & Counter Checkout
Brick-and-mortar shops accept chip, swipe, and contactless payments using countertop or smart terminals with next-day funding.
Online Stores
E-commerce merchants integrate the Payline Connect gateway into their site or use a ready-to-run online store to take card-not-present payments.
Subscription & Membership Businesses
Gyms, SaaS, and service providers automate recurring billing for memberships, retainers, and payment schedules.
Mobile & Field Sales
Mobile businesses take swipe or tap payments on the go using a handheld smart terminal with built-in printer and Wi-Fi.
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