Payline Data Review

Need Help Choosing?

Click Here

Phone Number
888-994-2804
Date Established
2009
Location
Chicago, IL

Overview:

Payline Data has all the marks of a great payments provider. When I first visited their site, I loved seeing information about interchange-plus pricing alongside a small collection of additional services offered on an as-needed basis. The site is inviting, not at all pushy, and generally made me feel at home and confident in the integrity of Payline as a company. By the time I’d read through the pricing and educational material, I had no doubts about the level honesty I’d find in the Payline sales experience. But it doesn’t stop there…

Like a few of my favorite providers, Payline Data (aka, Payline Giving) does more than provide honest, ethical, reliable payment processing. To show you their commitment to doing the right thing, Payline gives back to the community and charitable causes with volunteer hours, special charity pricing, as well as grants and donations nationwide. Charities and non-profits can also collect recurring referral payments as part of Payline’s “Commercial Co-Venture” program. This is a far cry from what many of us are used to seeing in this industry. Instead of being faced with sales reps who are rewarded for getting you to pay more than you need to, Payline has whittled down their cost of doing business to such an extent that they can provide great deals and still afford to donate a portion of their revenue on your behalf. I absolutely love to see this sort of thing.

Payline offers a solid little selection of add-on services. Nothing really stands out as particularly groundbreaking or unique, but it’s all good quality and cost-effective. One thing that’s fairly original is their “Simple” pricing plan for low-volume merchants. This allows even the smallest businesses to qualify for affordable interchange-plus pricing with a $0 monthly fee. I also like that they partner with Flint for low-volume (under $5K monthly) mobile processing. This shows me that Payline is committed to pointing businesses in the most cost-effective direction.

Overall, I’m 100% glad to recommend that you take a look at Payline Data. They will treat you fairly and will help you to find great value alongside great service. This is what a 5-star provider looks like!

Have an insights about Payline Data? Reviews, testimonials, complaints, questions and any other pertinent remarks are always welcome!

Countries Served:

  • USA
  • Canada

Products and Services:

  • Gateway/Virtual terminal The gateway includes features like recurring billing, customer vault (to store payment info), and electronic invoicing. The virtual terminal – which allows you to accept payments from any internet-connected computer – also works with a USB card swiper. This can eliminate the need for a card terminal altogether in some cases. Integrates with QuickBooks.
  • Credit card machines – Payline has a reliable selection of EMV-ready machines, and they won’t tie you up in any wacky non-cancellable leasing agreements. They can also reprogram your existing equipment. No specifics are disclosed on their site, so you’ll have to talk with your sales rep to see what’s in stock at the moment.
  • iPad POS system – Payline uses Vantiv Mobile Checkout first and foremost, which is a great system for both sales and back-office tasks. It’s powered by the NCR Silver POS software, which we reviewed favorably here. You’ll have various options in terms of hardware, depending on your needs.
  • Shopping cart – You can opt to use Payline’s free shopping cart/donation button/payment link, or you can integrate with any of their shopping cart partners (over 60 options currently).
  • Cash advances – I’m not usually too keen on merchant cash advances, but Payline is probably the most reputable provider I’ve seen offering this in recent memory. So it might be worth checking out if you need liquid capital and you are processing over $8,000 per month.
  • High-risk accounts – Payline can help many merchants who have been labeled as “high-risk” to get a merchant account, although you should be aware that pricing and contract terms may differ for Payline Data high-risk accounts.
  • Accounts for non-profits – If you are a non-profit, you can become a Payline affiliate. By doing this, you can use your network to gain recurring donations without any additional cost to your patrons. They switch to Payline, and you get a recurring bonus. Everyone wins.
  • Apple Pay – Payline has Apple Pay integration for both in-app and in-person payments in the works, which is great to see. Look out for this in the next month or so.

Fees and Rates:

Payline Data offers two pricing models, to accommodate both low and high volume merchants in a fair and easy to understand way:

Simple (Under $5,000 per month)

  • $0 monthly fee
  • Interchange + 0.50% (add 0.15% for online or mobile)
  • $0.15 per transaction

Pro (Over $5,000 per month)

  • $15 monthly fee
  • Interchange + 0.20% (add 0.15% for online or mobile)
  • $0.10 per transaction

$5,000 is the break-even point for these plans. That means that if you process exactly $5K each month, you would pay the same amount regardless of the plan you choose:

  • 5000 * 0.002 + 20 = 30
  • 5000 * 0.005 + 5 = 30

So if you will not be consistently processing over $5K every month, go with Simple. If you will definitely be processing well over $5K every month, Pro is the way to go.

Additional Services:

Extra services are offered as needed, so you only have to pay for what you need.

Fees You Won’t Have to Pay:

  • No Application Fee
  • No Cancellation Fee
  • No Hidden Downgrade Fee
  • No 1099 K Reporting Fee

How Payline Data Gives Back:

Payline has a number of programs geared toward giving:

  • Employee Promise: Payline’s employees donate a minimum of three days per year to volunteer at a local NPO or charity. In return, Payline gives three additional paid days off to cover the time spent volunteering to these efforts. The company also runs four annual employee events to benefit charitable causes.
  • Saving Money: Payline offers a custom Charity pricing plan, which is lower than any of the advertised rates. Money saved is as good as money donated.
  • Recurring Donations: Charities and non-profits can sign up with Payline as a part of the “Commercial Co-Venture” program. This program allows organizations to refer new accounts to Payline, and every resulting merchant generates a recurring donation back to that organization.
  • Grants: Payline has created grants that are awarded to charities and non-pProfits nationwide.  Each of these grants caters to a wide range of causes.

Contract Length and Early Termination Fee:

No early termination fee from Payline Data! Simple as that.

Sales and Advertising Transparency:

Payline goes above and beyond in this category. While they don’t provide extensive information, they do offer a solid number of disclosures and educational information, including a nice explanation about interchange-plus pricing. They do a great job of accurately explaining the services offered in-depth, which is more rare than you might imagine in the payment processing industry. All of the information I found on the Payline Data site was useful, well-thought out and accurate.

You’ll find that Payline makes good on their promise of no hidden fees, and that’s something I greatly appreciate. Although you should be aware that there will be certain network fees like the FANF that are passed on to you at cost. No provider has control over these fees, so you should be aware of them.

I found some of the pricing information for the extra services a bit confusing, and even noticed at least one discrepancy. But I also believe that Payline’s overall sales performance makes up for this. Internet marketing is jsut marketing. The real thing that makes or breaks a company to me is how their sales reps treat merchants. And for Payline, I’m more than satisfied with their performance in this category.

Customer Service and Technical Support:

I love how many customer service and support outlets Payline provides. They have an extensive knowledge base for self-service support and frequently asked questions. You’ll also find a community support forum that is unfortunately underutilized to say the least, bordering on useless at the moment. But what the forum lacks, the knowledge base makes up for.

Phone and email support are available, and seem to stack up well based on how few complaints I’ve seen and how many merchants have actually taken the time to publicly praise Payline’s customer service. Overall it looks like you can count on effective support staff to help you work though problems kindly and respectfully.

Negative Reviews and Complaints:

In the past three years Payline Data has had only six complaints filed with the BBB. This is up from the four complaints we noted in our last update. Payline responded to all of these complaints in a timely manner and the have all been closed to the customers’ satisfaction. They have an A+ rating and are BBB accredited.

There are few (if any) other complaints to be found across the web related to Payline Data. This is incredibly rare for a company as active as Payline over the course of seven years – a very good sign.

Positive Reviews and Testimonials:

You’ll find a handful of brief testimonial excerpts on the Payline Data site, which are nice to see. Other consumer review sites and independent reviewers have 100% positive things to say about Payline, generally praising:

  • Fair contract terms/pricing
  • Great customer support
  • Exceptional sales practices, and
  • Reliable service.

I tend to agree that these are Payline’s main strengths.

Final Verdict:

In the end, Payline Data delivers on all my essential needs. They use cost-plus pricing, have no early termination fee, no undisclosed fees, and their customer service performs well. Payline has managed to maintain positive reviews and a spotless reputation since 2009 – which is no small task in the credit card processing industry. (Go ahead and Google Merchant Account Scams to see what I mean.) I’m thoroughly impressed.

I think there is some room for improvement, such as working to enhance the usefulness of their help forums and making the costs of their add-on services a little more clear via their pricing page – but these are minor things when compared to everything Payline Data does right, and the effectiveness of their sales staff more than makes up for this.

Payline’s starter interchange-plus rate may look a little on the high side, but – as I demonstrated in the review – it’s actually a very good deal for merchants processing under $5,000 per month since the monthly fee is $0. Just being able to qualify for interchange-plus as a low-volume merchant is nice in and of itself, as this is certainly not the case with many providers.

And the icing on the cake – Payline Giving’s charitable donations. Any company willing to give up a chunk of its potential profit to support charities and non-profits is alright by me, especially when they also manage to provide excellent value to their customers. I don’t ordinarily give payment processing providers 5-star reviews on their first at bat – but Payline is not an ordinary provider. They’ve earned this perfect score by exceeding my expectations and maintaining exceptional service. Definitely check them out!

Have an insights about Payline Data? Reviews, testimonials, complaints, questions, and any other pertinent remarks are always welcome!

Tom DeSimone
Tom loves asking tough questions and getting straight answers, so he has a lot of fun calling payment processors for Merchant Maverick to cut through their smoke and mirrors and find the real deals. He has run a full-time editorial business from his home in New York’s Hudson Valley since 2010 and could not imagine a better job. When not busy writing and keeping credit card processors honest, Tom enjoys backpacking in the mountains.
Tom DeSimone
Leave a comment

47 Comments

    Melinda

    I initiated an account with Payline 3 weeks ago. So far it's been a total nightmare. After providing multiple documents and going through a pre-approval process for a charge that I'd attempted to put through that was initially rejected (they neglected to mention that they didn't approve me for the charge limit that I'd requested), I was finally able to process the transaction and I received a confirmation for the charge. Then 2 days later I received a call from a third party requesting all of the same documentation that I'd already provided for Payline for the "pre-approval" of the charge. It has been a week since I processed this charge yet I have been told that the funds are on hold pending verification. I called Payline to find out what I needed to do to have the funds released and after being transferred to 3 different people I ended up in a voicemail. I did not receive a call back and there is still no sign of the $12,000 charge that should have been deposited into my account. Truly a horrible experience, and for a small business, quite detrimental to have a $12k payment held captive.

    1
    David

    Hello Melinda,

    Thank you for sharing your feedback! We understand that you are frustrated and we would love to take the opportunity to look into this further. Please contact us at support@paylinedata.com so we can review the charges and find a resolution. We look forward to assisting you in this matter.

    Sincerely,

    David
    Client Experience Manager
    Payline Support Team

    Michael D

    I run a B 2 B company and process small volume, large dollar transactions. I researched and chose Payline's Swipe Simple. I am no longer a customer. I processed a $10,000 charge for a customer on a US Bank credit card. Payline says it went through. It doesn't show up in my bank account. I get a call from a company called Vantiv. I've never heard of Vantiv. They tell me that they need all of my customer's US Bank credit card information in order to release the funds because they say that the funds are drawn on a foreign bank and it looks suspicious. I don't feel comfortable releasing my customer's US Bank credit card information to someone I don't know. My customer and I try to call Vantiv multiple times to get clarification. We get no answer. We decide to refund the transaction. On November 8th, I am charged $360.49 by Payline. I call to ask why. They say because it's a processing fee and can't do anything about it. I close my account. December 5th, I am charged a $10.00 monthly fee. I email support and ask for immediate reversal. I get generic "ticket opened" email. I get a follow up email that says "If you are entitled to a refund, please allow 5-10 business days." It's December 15th. I have not received a refund. I am extremely dissatisfied.

    1
    David

    Hello Michael D,

    Thank you for sharing your feedback! We understand that you are frustrated and we would love to take the opportunity to look into this further and clear up any confusion. Please contact us at support@paylinedata.com so we can review the charges and find a resolution. We look forward to assisting you in this matter.

    Sincerely,

    David
    Client Experience Manager
    Payline Support Team

    mshea70

    Terrible to work with! Everything was peachy keen to get you to sign up with them. Their interest charge is an amazing rate BUT they neglect to tell you about all the other fees involved! I was assigned 2 accounts with a $10 minimum each month per account. The one account says $25 per month minimum on the statement.
    We were at a festival and our processing would not complete any transactions! Called and they were closed and provided an emergency number. I phoned the emergency number and they had no record of my account! They really put us in a bad situation. I emailed there during their regular office hours and no one ever replied back. I have now been slapped with a non compliance fee for 2 accounts and now telling me since I just cancelled the accounts I cannot get a refund for this. NEVER was I told that I needed to complete a questionaire over the phone until now!
    Can’t believe this company is still in business!!

    This comment refers to an earlier version of this review and may be outdated.

    David Suffolk

    Good afternoon,

    Thank you for sharing your feedback. One of the ways that we are able to offer industry low pricing is based on the expected volume of our merchants. It definitely appears that due to your processing volume, that the package your on is not appropriate. Please contact us back so we can review your account and get you moved to an account that better fits your needs. We will be happy to review past charges and make those right for you.

    Thanks again,

    This comment refers to an earlier version of this review and may be outdated.

    Langdon

    Terrible. Just terrible. The hidden fees never stopped coming. I run a small start up that is low on cash flow, as are most. They were unable to tell me when I would be charged each month. It happened "between the 1st and the 10th of each month" which meant that I had to just let my capital sit in the account each month and wait for them to take it. They abused their access to my bank account. There are at least half a dozen charges that were never explained to me. Customer service was clueless too. I would get different answers each time I called. I would not recommend this service to anyone who doesn't have a very healthy balance. I also had a couple of large transactions ($100-150) that they just didn't deposit into my account. They just kept the money. So I was forced to call in each time and demand it be transferred. Zach Dillman was a very good sales rep though. I think this company could be a good solution for large businesses with a healthy balance and am accountant who will verify each deposit was received in a timely manner. I also enjoyed the quick deposit times. I'm displeased with my experience. It seems it could have gone differently under other circumstances though.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Bruce Burgess

    I come from a situation where I am transitioning from my 3rd credit card company because of poor customer service and no response to occasional emails. I chose Payline because of the lack of complaints on the web. I encourage anyone searching for company to search “complaints _____” where the blank is the company you think you want. My initial contact with Payline was a bit questionable because they do not provide a phone number to talk to a real person. Rather, you have to enter your email and cell phone info for a call back. That was for me strike one, but I was thrilled with the result. I was contacted within 2 hours from my main man Zach Dillman who solved all my issues and made the transition seamless. He explained the program flawlessly, and when I had strange questions I talked to a supervisor that resolved the issues. For anyone considering coming from another program. I have this to say. The pricing structure is absolutely clean. You know exactly what you will be paying with no hidden surprises. The communication is virtually immediate, which is very important for me. I have a $5 million business and I feel after 3 failed attempts with other companies that I am in the right place.

    5

    This comment refers to an earlier version of this review and may be outdated.

    Jack

    It seems Payline is more concerned about looking good to charities than being an honest service to their customers. I guess it is easy to give to charity when you just take it from your customers. When Flint went out of business ( too bad they were the best ) I switched to Payline.I have been taking credit cards since 1988, so I know how crooked these companies are. I have never had an issue, chargeback or otherwise. I asked all the right questions including if I could do my own PCI maintenance. I have always done my own maintenance and have never had to pay for it through other merchant providers. The salesman said I could do my own, which I did immediately in Feb. However in May I received a bill for 99.00 dollars from Payline for PCI maintenance. I have called and emailed, called and emailed, etc. etc. no response. Now I have been dealing with these companies long enough to know it is just another fee that puts money in their pockets. Payline has good low transaction fees, but then they go and ruin it by charging a Maintenance fee, and this after telling me they wouldn't. I had a lot of hope for Payline, but this incident has shown me they aren't concerned about their service. When they refund me my $99 dollars I will give them their other 2 stars back. I need it worse than their nonprofit, do no work, live off other people's sweat, fat cat.

    3

    This comment refers to an earlier version of this review and may be outdated.

    Buffy

    Hello Jack,

    Thank you so very much for taking the time to talk. And thank you again for your patience and understanding for this unintentional charge, which we have refunded.

    Please don’t hesitate to reach out with any questions or with anything you may need.

    We value our merchants very much and strive to provide great support to all of them.

    Kind Regards,
    Buffy

    This comment refers to an earlier version of this review and may be outdated.

    Klarc

    According to the response from Buffy (I’m assuming she’s from Payline), they’ve refunded your $99. Just wondering, because I notice that you haven’t adjusted the rating, as you stated you would. Did you indeed get your refund? Just curious.

    This comment refers to an earlier version of this review and may be outdated.

    Tim Sirmeyer

    PayLine was exceptional in providing me with prompt results and tremendous customer service. I originally was referred to a different merchant account which became a nightmare, they made false promises, their customer service was horrendous, and they wasted a lot of my valuable time. PayLine was the exact opposite. With the help of my account manager, Tyler Heugly, I was able to obtain my merchant account in a timely manner and Tyler’s customer service skills were tremendous. I can’t thank Tyler and PayLine enough. Now my new business is thriving and has taken off entirely more than I could ever imagined. I definitely give them an: A+A+A+

    This comment refers to an earlier version of this review and may be outdated.

    Lyle

    Our company needed an eCommerce solution that was a little out of the ordinary. Zach Dillman worked with us to understand our needs and get our account approved. I am really glad Zach took the time and worked with us. Payline has been there every step of the way, I would recommend to anyone who needs a great payment processor that is easy to work with.

    This comment refers to an earlier version of this review and may be outdated.

    Jessica F.

    Payline Data is a great company to work with. I have found their staff to be very knowledgeable, patient and eager to help! I would recommend Payline Data and Inside Sales Manager Zach Dillman to anyone looking to process credit cards online. 5 out of 5 stars! - Jessica / Co-Owner monksgunshop.com

    5

    This comment refers to an earlier version of this review and may be outdated.

    Jenny L.

    I took on your advice and called Payline Data on 2/17/2016 right before Flint was stopping for transition. I got to talk to a sales rep called Joel and signed up the application for the gateway service right away. My account was approved on 2/19/2016 but I didn’t run my first transaction until 3/1/2016.

    I just logged in to my gateway today and already found two invoices posted. 1st invoice has a $49 setup fee and prorated monthly fee of $15 totaling $54.70. 2nd invoice has a $15 monthly fee.

    I was at shock because none of these fees were disclosed to me when I talked to Joel the sales rep, nor did the application stated any fees of the above.

    I told Joel that I was using Flint before and because they were transiting to another costly platform so I took on the advice on merchantmaverick.com and went on giving payline data a try. I told him that I enjoyed no monthly fee and would like to use invoicing feature. Joel told me both gateway and mobile options have invoicing function, but mobile option would require an additional card reader (at cost) for card swipe. So I chose gateway instead for convenience (Later when I logged in to the gateway account, I found out that the invoicing feature costs an additional $15 monthly fee, mobile payment costs an additional $10 monthly fee, which of course were not mentioned to me neither). We only discussed that the rate I would signup for was Simple, which should be no monthly fee. Other than these, none of other fees were disclosed to me. If I knew there would be a setup fee $49 and a $15 monthly fee for using the gateway, I would not choose Payline data because the cost is too much over what Flint offered before.

    Business owners beware, their hidden fees are all over the places. They do not tell you on their website, their sale rep would not let you know and they had you signed on an application with fees being blank.

    This comment refers to an earlier version of this review and may be outdated.

    Alex M.

    We also had similar experience with Payline, although we luckily did not sign up for it. We were looking at it after the recommendation on Flint’s review after Flint suddenly closed their doors.

    We had been on Flint for over a year since finding them through Merchant Maverick, and we were happy with it. No monthly fees, no set up fees, could process keyed transactions through mobile and desktop without additional fees, and a low flat processing rate for both debit and credit cards.

    We were astonished when a representative from Payline contacted us while we were filling out the information on their site. The poor gentleman got stuck on the idea that we needed a terminal after my mother erroneously mentioned that she would like to “eventually” be able to take cards by swipe when a client was present. She has a small business of counseling, and doesn’t process more than $1000/mo in charges most of the time.

    However, he was kind enough to mention the monthly fees and setup fees, and several other fees at the time that he was talking to us. We stated that since the website says no monthly fees for small businesses that don’t do much in processing volume, that seemed like it was not going to work for us and ended the call.

    So, if you are a small business and need mobile, small volume processing, I can’t say that Payline is a good option. In fact, the guy on the phone said that for our purposes, he would recommend Square or Stripe. I replied that both of them had high fees, even at low volume.

    Not happy at all with Payline. Wish Flint hadn’t gone out of business, and with such short notice. Turning out to be impossible to find another one like them.

    This comment refers to an earlier version of this review and may be outdated.

    Dan Gonzales

    Well, it sounds like Flint was too good to be true. Now we know why they went out of business.

    This comment refers to an earlier version of this review and may be outdated.

    Jenny L.

    I addressed my concerns (from last post) to Payline Data and Ryan contacted me for account adjustment. We came to agree that my account setup fee was refunded and my monthly fee for using Gateway would come down to $5/month.

    Today I just found out that they charged a $25.00 minimum bill fee when I didn’t make a single transaction with them last month. So I think it is necessary to address this again:

    “SMALL business owners beware, their hidden fees are all over the places. They do not tell you on their website, their sale rep would not let you know and they had you signed on an application with fees being blank.”

    Maybe it was just my bad luck not meeting a good salesman to setup my account correctly at the beginning. Good luck to all others trying to work with PayLine Data.

    This comment refers to an earlier version of this review and may be outdated.

    JW

    Just had a bad experience with them. Vantiv flagged my account because I took a payment over $3000 even though my limit is supposed to be $5000. Of course they told me it was also because it was “drop-shipped”. I sent them everything I had showing I had done this several times in the last month (new business) but that wasn’t good enough for them. To risky unless I could show them transactions from 2015. I explained to her that it was impossible to do that since I just started my business. Her response, “Come up with a way to take payments on drop shipped items since you don’t have a history or close your account.”I was very careful to explain my business model to Zack when I opened my account.Anyone know a company that want’s to help a small business grow?

    1

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi JW,

    That’s really frustrating. Sometimes this risk-management stuff can be unpredictable. Payline does its best to make sure your account is set up in a way that prevents these issues, but sometimes the risk department at the backend processor makes a call that is contrary to what Payline expects to happen. If Payline expected the processor to have an issue with this risk-wise, they would have just recommended that you set up a high-risk account instead – since that is a specialty of Payline’s.

    My recommendation would be to talk to Payline about this to see if a high-risk account would solve this issue. The rates will be higher, but after you have an established processing history you will likely be able to switch back. This would likely be the most reliable option moving forward.

    Basically all payment processors will view your business in more or less the same way risk-wise. But with that said, it never hurts to ask around. I’m just worried that history will repeat itself with another standard merchant account. You can talk to our other high-rated merchant account providers about your experience to see if they believe your account would be more stable with them.

    Good luck.

    This comment refers to an earlier version of this review and may be outdated.

    JW

    Thanks for the reply Tom…

    I actually found Payline through this website. I had issues with Square and never could reach a live human. I was able to refund my customers money but it cost me $127 in the end. So I went seaching for a better way and found this site. I’m still confused about all of this but it’s getting better.

    I was very carful to explain all of my business to the Payline salesman and sent way more paperwork than they asked for to prove that I was legit. I also sent proof that my business model is the norm for what I do. I thought I was ready to take cards with no issues. After a couple of weeks processing payments I got flagged so now I’m trying other companies. I just got off the phone with Dharma and they are supposed to call me back. My Payline rep is out of the office until Monday but honestly the way their risk management person handled herself I’m not sure I would give them another chance.

    Once again Thanks for the reply……

    This comment refers to an earlier version of this review and may be outdated.

    Randy F

    Good luck trying to talk to a live person at customer support. I tried for over three hours yesterday, and called when they opened today. Listened to elevator music for a couple of minutes and then got kicked to voice mail. Still waiting on a return call. All this because our system didn't close the batch on Wednesday night and we have hundreds of dollars on hold because payline can't process the payments and apparently can't answer their phones. Plenty of processors out there who do want your business and are willing to talk to you.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Kayla Muldoon

    Randy,

    Thank you for your comments, and we are very sorry to hear that you were not able to reach out team. Please contact us anytime from 8am – 5pm CST at 800-617-9342 (Ext 2) and our support team will be happy to assist.

    The Payline Data Team

    This comment refers to an earlier version of this review and may be outdated.

    Prateek Chawla

    Hi Payline,

    Would you be comfortable providing merchant services to a tech support company based out of Reno, NV.

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Prateek,

    You’ll get a faster response if you contact Payline directly. You can find their contact link on their site, linked at the top of this review.

    Good luck!

    This comment refers to an earlier version of this review and may be outdated.

    Danielle

    My experience with Payline has been great. Zach Dillman did a great job with whatever we needed from him, and is always quick to respond to questions. This creates a great relationship between the vendor and customer. We appreciate that, and look forward to working with your company because of the job he’s done thus far.

    5

    This comment refers to an earlier version of this review and may be outdated.

    Doug

    Does Payline Data offer recurring billing to charge your customers monthly?

    This comment refers to an earlier version of this review and may be outdated.

    Chloe Bahal

    Hi Doug,

    Yes, please see this link and if you have any further questions please let me know

    This comment refers to an earlier version of this review and may be outdated.

    Sara Unverfehrt

    I contacted Payline Data to set up my merchant account after doing a lot of research online and reading about their stellar reputation. As a small business owner and first-time merchant account holder I was nervous to make a choice, but when I spoke with Zach he was very helpful, not "salesy" at all - he was just very straightforward and took care of all of my questions and got my account set up in a few easy steps. I did a lot of research before I chose this company and I'm so glad that I did - I know I can trust Zach to help me if I have a problem and I now have one less area of my business that I have to worry about.

    5

    This comment refers to an earlier version of this review and may be outdated.

    Cheryl Walker

    My company has recently started with Payline………I have been very fortunate to work with Zach Dillman and Buffy Ensing. These two are beyond words in regards to helping me get everything set up and working. The Credit Company has had such an awesome experience with Payline because of these two, that we opened another acct. If you are thinking of changing companies I would definitely recommend Payline!

    This comment refers to an earlier version of this review and may be outdated.

    Ryan Paul

    I convinced my new business partners that we should try Payline Data after reading the great reviews. Very costly mistake. On the first week of transactions, third batch, our funding is placed on hold, $3000. We were approved for 36,000k per month, Virtual and Mobile terminals.We are contacted by a Vantiv Risk Manager asking for more information regarding our transactions. We submitted the information (2 recent invoices). They are unable to reach the customers so they ask for two more invoices, but only after we contact them. Apparently, they need to validate the purchases. Two more days pass and nothing. We send a message to the Sales Rep at Payline and contact Vantiv, nothing. Finally we get a call back stating that our account was flagged for Risk because of a few Yelp reviews, NO JOKE. They said they would require some additional information.Me and my new partners recently purchased a photography business/equipment because the last owner lost his wife to cancer and was not able to carry on with the business, in the last month he received a few bad reviews, his loss was not disclosed to the customers. I have worked for him for the past 4 years and he told me that I would be given the opportunity to be a small partner in the new business because of my experience with Event Photography and knowledge of the productive. Prior to the recent bad reviews, the previous company had more that 50 five star reviews. I was stoked about the opportunity. In mid October I met my new Partners, and we started preparing the new Corporation, Bank account was opened Nov 2, we applied to Payline Data on the 5th and were approved on Nov, 9. We purchased our new web domain on the Nov 3rd and hired a web development team on the 4th. We decided to keep the CRM (customer management system) with the old website, because it worked well, but in the interim we were given a few accounts to complete along with the website in order to maintain repeat business with more than a few thousand customers in the system, He also gave us the 800 number so that we can re-service existing customers. Our new website is scheduled for completion in early Dec. We decided to keep the site until the transition was completed, by then we could send our customers notice of the change and New Business name. The old company had serviced more than 3000 customers, there is no reason to dismiss the many great, happy customers for the the very few unhappy recent customers. The truth is the previous owner really had no strength or focus on the business. After a very stressful conversation with the Vantiv Rep today, he insults my new partner, who has a slight accent and asks him if he knows anything about the business, he has no idea why funds are being held and is new to the business. I finally interject and ask him what he requires to release the funds. He said he needs, Bank Statements, previous Processing Statements or Business Financials. Ok , 1. The account was open on the 3rd, we expressed this was a brand new Corp with new Partners in the under-writing and to the Payline Rep. 2. We can not just ask the previous owner for Processing Financial as we purchased the equipment and not the Business Name or previous Corp and Financials, he just gave us the website and 800 number for marketing as he had no use for it. 3. Again, this is a new business with no financial history and we explained this to the Sales rep with Payline and the Risk Rep with Vantiv, who interrogated us as if we were morons for buying the equipment and keeping the website and phone number. Again the previous business had serviced thousands of customers so there was no need to scrap the data in the CRM. This month alone we have received more than $8,000 in orders from repeat business for the holidays.Vantiv is offering very little flexibility as we are a New Corp attempting catch momentum of an existing model. Today the rep expressed that Vantiv needs us to have financials to cover potential exposure. After much convincing, one of my partners agreed to fund our Merchant Bank account with $25,000.00 to suffice the financials, currently Vantiv is holding $3000.00 and ceased our processing. Our options were to refund all our customers for all 3 batches (total $7000.00) or wait 6 months for the $3000.00 to be released. Shouldn't all of this nonsense been explained in under-writing process and application? We applied with a new Corp and all new officers, it's absurd that they are calculating risk off of 5 bad reviews out of a total of 65 five star Yelp reviews, not including the 20+ reviews on Wedding Wire.Tomorrow I am advised to submit the Business Statement with the account funded with $25,000.00 as of today, proof that the Corp was formed in mid Oct, and the account was opened on the 2nd and the new website domain was purchased on the 3rd. I was also given an invoice for the Purchase of the equipment which was finalized on Nov 10th.The Good - The sign up was easy and the rep told us we'd have no issues.The Bad - The product is dated and ugly, funding is 2 business days, the support via email is non existent. No responses from the sales rep or the support email. Just like Clint stated, the Payline Pep pressured us to complete the app get started.This a very honest situation, I will update this review shortly with the results. I hope this post is not discarded, I will be placing this on every review site possible and reporting Vantiv and Payline Data to Consumer Reports and the BBB. I do not recommend Payline Data to anyone. Horrible service!

    1

    This comment refers to an earlier version of this review and may be outdated.

    Payline Data Risk Team

    Dear Mr. Paul,

    We appreciate your feedback and have taken the time to review your case.

    Per our registrations with Visa & Mastercard, as well as our sponsoring institution, we are required to take underwriting and risk policies seriously. When your account exceeded the regulated standards for Chargebacks, our investigators reached out to review your account. At this time, the primary signor for the business could not confirm the required requests for your business and led our investigators to freeze your account for potential fraud. We continued to monitor other sources and continued to find information that restricted us from allowing this account to continue processing.

    After review it is our position that your account will remain closed and funds will be available to you after the current waiting period.

    It is never our intention to put you or any merchant in a negative position, and we understand that you are not pleased with our decision to close your account, and encourage you to contact us at any time at 866-718-7896 to discuss these matters.

    The Payline Data Risk Team

    This comment refers to an earlier version of this review and may be outdated.

    Payline Data Risk Team

    Dear Mr. Paul,We appreciate your feedback and have taken the time to review your case.Per our registrations with Visa & Mastercard, as well as our sponsoring institution, we are required to take underwriting and risk policies seriously. When your account exceeded the regulated standards for Chargebacks, our investigators reached out to review your account. At this time, the primary signor for the business could not confirm the required requests for your business and led our investigators to freeze your account for potential fraud. We continued to monitor other sources and continued to find information that restricted us from allowing this account to continue processing.After review it is our position that your account will remain closed and funds will be available to you after the current waiting period.It is never our intention to put you or any merchant in a negative position, and we understand that you are not pleased with our decision to close your account, and encourage you to contact us at any time at 866-718-7896 to discuss these matters.The Payline Data Risk Team

    5

    This comment refers to an earlier version of this review and may be outdated.

    Chris

    the review on payline is fantastic however upon contacting them personally I found out that although your review states that they deal with businesses in both Canada and the US, I was informed that they in fact only deal with US based businesses with no solutions for Canadian Businesses. unfortunate because I was hoping this was the solution we were looking for.

    5

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Hi Chris,

    Thank you for writing in. Payline has worked with Canadian businesses in the past, but I see that they no longer advertise this service. We will get in touch with the company and update the review accordingly.

    If you’re still looking for a Canadian account, check out Helcim.

    Thanks again!

    This comment refers to an earlier version of this review and may be outdated.

    Cherish

    Tom I need help, we are a small HVAC business and are looking to switch merchants can you give us some help? We mostly key in our purchses through intuit with our quickbooks program. We need a merchant that works with QB and also has lower fees and rates then intuit.

    This comment refers to an earlier version of this review and may be outdated.

    Sean Miller

    Payline Data has saved us multiple times over the past 5 years. iTOK.net has grown from a 50 person shop to over 400 within the time we have worked with Payline. Revenues and and the complexities of system integrations have continued to grow. I’m extremely pleased to say Payline has been by our side the whole way. The staff at Payline from the front line to the CEO are extremely responsive and proactive. I can’t say enough good things about Payline.

    iTOK.net is a large company in a difficult industry for merchant service companies to support. Payline is the only processor we have and continue to have confidence in.

    This comment refers to an earlier version of this review and may be outdated.

    Rafael

    can i use payline to accept payments on ebay and will they hold my funds like paypal does?

    This comment refers to an earlier version of this review and may be outdated.

    Sher

    Hi Tom,
    I have been around and around looking for a Merchant Account. I had a successful business for years, then 2008 started the loss of all of our assets due to a property we purchased. My S Corp went bk, so did my husband and I personally. It has taken until now to get me new business up and running and it is a zero to 120 experience. I spoke with Pay Line and they told me my business is High Risk, it is Coaching and it is Money. I am a Financial Planner (25 years) and now speak and sell a program for educating women about money, standard sales are $3995/person and I could have no sales for the month or over $10,000. Because I don’t have a website Pay Line seem concerned about me. I am moving from my home office into a real office again August 1st and have a signed lease. I really need to get a Merchant Account and was looking to get one that doesn’t hold my funds since I must deliver on my retreats. I was turned down by Costco today due to having my LLC opened since 2008 yet having no profit in the company. Do you think I should apply for Pay Line? I have clients waiting to pay me and no Merchant Account.

    This comment refers to an earlier version of this review and may be outdated.

    Johnny G

    Hello,This message is in regards to the service I experienced with Payline. Our firm met Payline in Chicago to discuss the issues that we were having with our current provider, Intuit. We had been overcharged for a very long time but stuck with them due to the integration into Quickbooks. We made the decision to switch to Payline and our first month saved over $300! Not only that I found out that they have an integration with their gateway and we did not lose any functionality.I love how friendly and open the staff was. They told me what fees I would pay and that is what I saw. Great to find a local company with integrity.Johnny

    5

    This comment refers to an earlier version of this review and may be outdated.

    rprice

    Thank goodness I stumbled onto this site! It’s sure making my research into a new processing company a lot easier. I have a whole comparison spreadsheet going for each company and in my search I didn’t see chargeback fees for this company. Any info?

    This comment refers to an earlier version of this review and may be outdated.

    Tom DeSimone

    Glad to help,

    I’m not 100% positive about Payline’s current chargeback fee, but it’s likely around $15. You won’t be charged this unless you have a chargeback (hopefully very rarely), so I don’t usually consider it a priority negotiating point. Give Payline a call and they’ll work up a complete quote for you, no obligation, no pressure!

    This comment refers to an earlier version of this review and may be outdated.

    abdiel

    This company will not fund your account. They opened us a account and closed it within 3 days with no phone call email notification absolutely nothing. Goodluck getting in touch with them as well all they are going to do is give you a number to call and i promise you that you are going to get voicemail constantly. Left 2 voicemails May 4th i also emailed a Kimberley nobody every called me back they just left me wondering what happened to our account and today May 7th 2015 nobody has called me not even to tell us about our funds. We dont even know why are account was closed and never got our funds either. I am WARNING you do not use this company look elsewhere this is the worse experience i have ever had. I got FOOLED by online ratings! SAY GOODBYE TO YOUR MONIES!!

    This comment refers to an earlier version of this review and may be outdated.

    clint

    their website leaves something to be desired. I don't see any upfront, transparent information in regards to most of what this article describes. Maybe b/c I refuse to give my name, email and phone number in order to 'continue' to the next page. Honestly I dislike companies that require that kind of information from a person, just for the person to actually see any details. The last thing I want is someone from this company calling or emailing me, which is a pressure tactic.

    1

    This comment refers to an earlier version of this review and may be outdated.

    Becky Shuta

    Thank you so much for this awesome review! I have been trying to find a good... no great company to work for and I think you have helped me to find them. I am going to contact them immediately about joining their sales force. I want to work with an honest company and one that gives back and it seems to me Payline is and does both respectively. Sincerely,Becky Shuta

    5

    This comment refers to an earlier version of this review and may be outdated.

    Payline Data Team

    Becky,Thank you for your very thoughtful and generous comment. We strive for world-class service and are proud to hear that we have been able to positively impact your business. We look forward to growing our relationship with you in the future.The Payline Data Team

    5

    This comment refers to an earlier version of this review and may be outdated.

    Greg S

    Based on the outstanding info on this site (thanks merchantmaverick) I plan on setting up a merchant acct provider with Durango Merchant Services. I am considered a high risk industry (e-cigs, vaping, e-juices with nicotine, etc)

    Do/can you work with them as my processor? Will this intergrate with my SHOPIFY e-store?

    Please advise and thanks much,

    Greg

    This comment refers to an earlier version of this review and may be outdated.

Leave a Reply

Your email address will not be published. Required fields are marked *

Your Review

Comment moderation is enabled. Your comment may take some time to appear.
Please read the "User Review and Comment Policy" before posting.

Share