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Payline Review

Best Payment Processor for Small Business Overall

A Business News Daily Review

Product and service reviews are conducted independently by our editorial team, but we sometimes make money when you click on links. Learn more.

After much research and analysis of credit card processors, we recommend Payline as the best credit card processor for small business in 2018.

Payline offers simple, affordable pricing for all types of small businesses. It also uses interchange-plus pricing, which gives small businesses access to the same low rates as larger corporations.

Although several credit card processors offer low rates, Payline stands out because its pricing is very transparent and it gives you discounts based on your sales volume. Its pricing terms are readily available and spelled out on the company's website, which is a breath of fresh air compared to many credit card processors that aren't as open about their pricing structures.

Payline offers several plans designed for businesses that are just starting out as well as for established businesses with higher sales numbers. Many of its plans include a free terminal.

  • Payline Start. This starter plan is for businesses that process less than $5,000 per month. Rates are interchange plus 0.5 percent and 20 cents per transaction, and there are no monthly, setup or PCI fees. 
  • Payline Surge. If your business is growing and you want to accept credit cards multiple ways (in-store, on the go and over the phone), this is the plan for you. It has a lower transaction rate, costing interchange plus 0.3 percent and 20 cents per transaction. There is, however, a monthly service fee of $9.95 per month.
  • Payline Shop. Established in-store businesses wanting to accept credit cards simply can do so using this plan. Rates are interchange plus 0.3 percent and 20 cents per transaction, and it has a monthly service fee of $19.95.
  • Payline Connect. This plan is for ecommerce businesses. It can be integrated with your website and also includes subscription billing tools. Rates are interchange plus 0.65 percent and 20 cents per transaction, and there are no monthly, setup or PCI fees.
  • Payline Medical. Designed specifically for medical professionals, this plan is HIPAA and PCI compliant, and you can accept payments in the office, on the go, and in installments. Rates are interchange plus 0.4 percent, and there are no per-transaction, monthly or PCI fees.
  • Enterprise pricing. Businesses that process more than $80,000 per month can qualify for significant discounts from Payline. When you call the company for a quote, its account executives work with you to design a plan customized to fit your business's processing needs.

Editor's Note: Looking for information on online credit card processors for your business? Use the questionnaire below, and our vendor partners will contact you to provide you with the information you need.

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In addition, businesses that already accept credit cards and are switching to Payline can avail of custom pricing to fit their business's needs. We were told that the process is very simple: A sales rep will go over your current statements with you and determine where and how you can save on transaction fees, and then provide a custom quote. 

Payline has a fast and easy application process. It takes just a few minutes to complete the application form, and a Payline representative tells us that many accounts can be set up the same day.

Service terms. Whereas most credit card processors require a long-term service agreement, Payline works on a month-to-month basis with no contracts or hidden fees. This means you won't be locked down for years, then get hit with a hefty early termination fee if you decide Payline is not right for you. (The industry standard is at least a three-year contract with an early termination fee of $250 or more!)

Payline offers small businesses multiple ways to accept credit cards. Whether you own a retail business or a restaurant, or provide a service or sell online, Payline has a credit card processing solution for you.

In-store credit card processing. Payline can set you up with a credit card terminal or a cloud-based iPad point-of-sale (POS) system. Both options are EMV- and NFC-enabled so you can accept chip cards and mobile wallets like Apple Pay and Android Pay. [See Related Story: Credit Card Machines: Answers to Frequently Asked Questions]

The POS system, called Payline Checkout, comes complete with a credit card swiper, cash register and receipt printer. It is powered by the Vantiv Mobile Checkout app and NCR Silver, so it has advanced features like inventory tracking, email marketing and customer insights.

Mobile credit card processing. In addition to the iPad POS system – which you can detach to process payments away from the checkout aisle – Payline also lets you accept credit cards anytime, anywhere using a mobile phone. Just download the app and plug in the credit card swiper to get started. This is a great option for processing credit cards anywhere in your store or out on the field.

Online credit card processing. Payline Gateway makes it easy to accept credit cards online. Its ecommerce solution comes with a shopping cart for fast, easy online checkout. A Payline representative told us that this service can be easily integrated with most ecommerce websites using the Payline API.

Virtual terminal. Use this option for card-not-present transactions. Virtual terminals are particularly useful for accepting credit cards by phone, email or mail order.

Another benefit of Payline is that it works very well with QuickBooks for easy data syncing and accounting. Other perks include subscription billing, store analytics and security compliance.

Although many credit card processors come with merchant accounts, what makes Payline stand out is that it also offers high-risk merchant accounts. Typically, merchants who have bad or low credit scores, have online stores, do business overseas or operate in industries with high fraud or chargeback rates are considered high-risk merchants and thus have difficulty obtaining merchant accounts.

Whereas most credit card processors reject applications from high-risk merchants, Payline does not discriminate. Even if you have been rejected by other credit card processors, Payline offers flexible solutions without breaking the bank. The Payline representative we spoke with said their sales team is well versed in high-risk businesses and its application requirements, so they can help you come up with a custom solution, regardless of why you have been or likely will be rejected by other vendors.

Payline offers a multichannel customer support system, so there is always help when you need it. This includes:

  • 24/7 phone support
  • Email support
  • Helpdesk ticket-based support
  • Live chat

Payline also gives customers a dedicated sales rep, so there's always a point of contact who is on top of your business's communication with the company and knows of any issues you've come across.

In addition to one-on-one support, Payline gives customers access to a comprehensive database of self-help resources, such as a getting started guide, a searchable knowledgebase of help articles and community forums. There are also how-to guides for integrating Payline with different sales channels, such as your online store. A special Credit Card Processing 101 section is also available, which comes with tips, advice and educational resources for running a business, staying compliant and saving money with credit card processing.

We chose Payline from a pool of dozens of credit card processors we considered. To read our full methodology and for a more comprehensive list of credit card processors, visit our best picks page here.

Ready to choose a credit card processor? Here's a breakdown of our complete coverage:

Additional reporting by Sara Angeles.

Editor's Note: Looking for information on credit card processors for your business? Use the questionnaire below, and our vendor partners will contact you to provide you with the information you need.

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Lori Fairbanks

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 an editor for Creating Keepsakes magazine and then as a freelance writer and editor for a variety of companies, including marketing firms and a medical university. She joined Purch in 2014 as a senior writer for Top Ten Reviews and now writes for Business.com and Business News Daily.