Payline Data
Transparent interchange-plus payment processing for in-person, online, and recurring payments.
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
- Strong customer-service reputation (4.6 on G2, 4.7 on Merchant Maverick)
Cons
- Monthly account fees ($10–$20) make it less ideal for very low-volume merchants
- Terminal hardware contracts run 24 months despite month-to-month processing agreements
- Point-of-sale pricing is quote-only and not published
- Interchange-plus model can be confusing for businesses new to payment processing
- Operates as an ISO of Wells Fargo and Fifth Third rather than a direct processor
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.
QuickBooks & POS Integrations
Direct integrations with most shopping carts, POS systems, and all versions of QuickBooks.
High-Risk Processing
Dedicated payment solutions for businesses in high-risk industries.
Pricing
- $10/month account fee
- Swipe, chip, and contactless in-person payments
- Next-day funding
- No PCI compliance fee
- Month-to-month, no cancellation fee
- First month free
- $20/month account fee
- Keyed-in and online payments
- Payline Connect gateway and virtual terminal
- Recurring billing support
- QuickBooks and shopping cart integrations
- First month free
- Basic Terminal: $10/mo (24 months)
- Smart Terminal: $40/mo (24 months) with printer, barcode scanner, Wi-Fi
- Point of Sale: enquire for pricing
- Touchscreen POS with inventory, reporting, and staff tools
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.
High-Risk Merchants
Businesses in high-risk industries access tailored processing solutions that many standard processors decline.
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