Payline Data Overview
Payline Data provides flexible payment processing solutions. Their omnichannel solutions provide options for all types of businesses. They cater to everyone from small businesses to Fortune 500 companies. And Payline Data has an impressive A+ rating with the better business bureau. With transparent pricing and competitive rates, they have some excellent pricing plans. They provide you with a full merchant account, and there are no lengthy contracts. And there are no early termination fees if you close your account. Our Payline Data review will show why we rank them as one of the best providers in the payment processing industry.
Products & Services
Payline Data provides a complete range of products for small and large businesses. They provide merchant services for brick and mortar stores and also e-commerce sites. While they deal mainly with low-risk businesses, they also cater to high-risk companies through their partners SMB Global. They offer everything a business needs, from payment processing to virtual terminals. And you can accept payments by a variety of methods. They are a full payment processing provider that is tech-focused. And all their services come with excellent support.
Merchant Accounts
Considering how competitive Payline Data rates are, you get a lot of amazing features. One of the best of these features is your merchant account. You get a personal account complete with a unique Merchant ID. And the fact that there are no early termination fees makes this a great deal. Most providers simply aggregate businesses together to share accounts. This can result in an unstable account that runs the risk of closure at any time. But with a personal account, you have the safety and security that your account will remain active.
High-Risk Accounts
While they focus mainly on low-risk merchants, they do cater to high-risk businesses too. However, they offer this service through their partners SMB Global. The good news is that SMB is one of the best providers for high-risk merchants. But be aware that pricing will differ for high-risk companies. The risk for the bank is higher, so they charge more for their services. But SMB Global does have competitive pricing, and their contracts are reasonable and fair. It depends on your business, so they make contracts on a case-by-case basis.
Nonprofit Accounts
Nonprofit and educational organizations can avail of Payline Data services at discounted rates. And by using 501c3 payment solutions, charities can save money for merchant services. It helps them to reduce their overheads without changing the client’s experience. Each qualifying organization still receives the full suite of products and payment processing. The only difference is they pay less for these services. It helps nonprofit businesses to increase sales and add features like recurring payments. There is still seamless integration for all payment methods. And they can lower their security risk with Payline’s hosted payments page.
Payment Gateway
A reliable checkout experience is essential for any e-commerce store. And you need to offer your customers as many payment processing options as possible. With Payline’s gateway services, you can accept almost any credit card. They also have many partnerships that allow you to stack payment gateways. It allows for a complete credit card processing solution. With Cardpointe, you can access a wide range of terminals. Authorize.net lets you accept a wide range of payment options from your customers. These include eChecks and contactless payments. And NMI allows you to process a credit card using a mobile device.
Virtual Terminal
With a virtual terminal, you can accept a credit card payment over the phone or a computer. And card not present payments are one of the most common online methods. But you can also connect a card reader to allow for card-present transactions. The added security this provides gets you a better transaction rate. Payline offers Cardpointe as a virtual terminal for real-time transaction management. Their free app allows you to generate detailed reports to help grow your business. It also stores customer details to offer a more enjoyable checkout experience.
Credit Card Terminals
When it comes to credit card processing, providers prefer card-present transactions. This greatly lowers the chance of fraud as the customer is present for the transaction. Payline Data provides several different credit card terminals depending on your needs. You can Swipe, Dip, or Tap a card to accept a payment. Dipping with an EMV credit card is more secure than swiping and gradually becoming the more popular option. Using a credit card with a chip also offers better protection against fraud. All Payline terminals give you both signature and PIN options for accepting EMV cards.
POS Systems
Payline provides Clover POS systems for its customers. It provides you with a complete point of sale solution that is a lot more than just credit card processing. It has tools to track revenue and your most popular sales, so you can target certain items for promotions. You can set up gift cards and integrate apps like QuickBooks. And with Rapid Deposit you can receive some payments within minutes for an added 1% fee.
Mobile Payments
Using Payline mobile payment allows you to process credit cards anytime, anywhere. It gives you access to Payline Data services in-store or from another location. It is a perfect solution for a company that makes deliveries. You can download the mobile payment app on any iOS or Android device, and the mobile card reader connects via Bluetooth. You can then email receipts, calculate taxes, issue refunds, and Swipe, Dip, or Tap credit cards.
Shopping Cart Integration
When it comes to online shopping, Payline Data gives you a great experience. They provide seamless integration with new or existing shopping carts. You can keep your current front-end checkout and just switch to Payline as your payment processor. Their e-commerce gateway integrates with over 200 shopping cart providers. And with a competitive pricing model, they can save you a lot of money, while still maintaining your brand.
eCheck (ACH) Services
Automated Clearing House transfers money electronically between banks. Because it transfers directly, ACH payments bypass card networks like Visa or MasterCard. These types of payments typically come with a set monthly fee or a percentage of the sale. It is similar to writing a check but without the need for paper or a checkbook. The best part is you save on paying fees to a credit card company. Payline Data charges a flat rate of $0.20 per ACH transaction.
Fraud Protection
To get the most from your payment processor, you should be offering as many payment options to your customers as possible. But the more methods you offer, the more you open yourself to fraudulent activity. Payline Data provides you with free PCI compliance as part of your monthly fees. Reducing chargebacks should be your number one priority. Payline Data uses Verifi to combat fraud and chargebacks. This will help reduce fraud and boost your transaction volume and revenue. It allows you to avoid costly fees, penalties, and fines.
Payline Data Fees & Rates
One of our favorite things about Payline Data is the low rates. They have three separate pricing plans, depending on how you accept the majority of your payments. If the majority of your transactions are card present, you pay $10 per month and 0.2% + $0.10 per transaction. If your majority is card not present payments, you pay $20 per month and 0.4% + $0.20 per transaction.
And if you are in the nonprofit sector, you pay $10 per month and 0.1% + $0.10 per transaction. All of these plans have a monthly minimum of $25. But the best part of using Payline Data services is that your first month with Payline is free. There is no risk, no upfront fees, and no cancelation fees. It makes Payline Data an ideal choice for new business owners as they can make sure they are happy with the monthly rates.
Contract Length and Termination Conditions
Considering how much they provide, Payline Data offers one of the best contract terms and conditions. Each contract plan runs on a monthly basis. And better yet, there is no early termination fee. So you can close your account at any time and simply see out the rest of your month. It is the best possible contract terms you could wish for. But there’s another added bonus for a new business. Your first month with Payline Data is free. They waive the fees so there is no risk, no upfront fees, and no cancelation fee.
Payline Data Technical & Customer Support
Payline Data offers reliable and prompt customer and technical support. You can email them at support@paylinedata.com if you do not require urgent assistance. Their phone support is available from 8 am – 5 pm CST, Monday – Friday at (800) 617-9342. While it would be nicer to see 24/7 phone support, their operators are fully trained and offer prompt help. They can assist with any software or hardware issues you may encounter. For hardware issues with a credit card terminal supplied by Payline Data, you can contact Clover directly 24 hours a day.
Is Payline Data Right for Your Business?
If you are a medium or small business, Payline Data may be the ideal choice for you. Their monthly fees get you many great features, and they offer transparent pricing. Since you get a unique merchant ID, you will have account stability. You also don’t have to worry about PCI compliance. If your business is a high risk, they will pass you to their partners SMB Global, so you know you will be in safe hands. The fees will then be higher, as is the case with any high-risk company.
Our Verdict
When we check online, almost all Payline Data reviews are positive. In fact, most people name Payline Data as the best payment processor out there. And to be honest, we agree 100%. If you are a small or medium-sized business, they offer incredible value at affordable rates. Their pricing plans are transparent and completely fair. The contract terms could not be better than what they already are. Offering monthly plans and no early termination fees is simply amazing. Especially considering what they provide. And they even waive the first month’s fees. Overall, they are one of the best payment processors you can choose.