Payline Data Review
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- Chicago, IL
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!
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.
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.
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!