Payline Data Review 2021

Payline Data has crafted a payment processing solution that’s great for both low-risk and high-risk clients. With enhanced security features, transparent pricing, and tons of extra software interactions, Payline is worth the consideration of any small business that needs a new credit card processor.
Best for high-risk clients
4.5 out of 5 stars
  • Check
    Accommodations for high-risk clients
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    Fraud and chargeback protection services
  • Check
    Transparent contractless pricing model
  • X
    $25 minimum monthly processing fees requirement

Payline has carved itself an interesting niche in the credit card processing world. It’s a reputable service with a feature set tailored to modern businesses that also specializes in high-risk credit card processing.

Most businesses whose services are considered high-risk are dead on arrival with many processing providers. If you’ve had trouble finding a processor to partner with, Payline could be the processing solution for you.

What is high-risk credit card processing?
There are certain industries and specific business types that processing companies consider high-risk. This riskiness can stem from a few things:
  • Likelihood of chargebacks
  • Higher fraud rates in certain countries where processing is needed
  • Controversial services like the sale of pornographic or adult wares or firearms
  • Expensive average sale prices
There’s no exact science to what kinds of clients a given processing company will take on. Generally, if a processing provider advertises itself as being willing to take on higher-risk clients, it’ll take a look at most any kind of business—except those engaged in illegal activities.

Payline is great for high-risk businesses

Payline has a great service for higher-risk clients. It’s chock-full of features that help clients mitigate their chargeback frequency and fraud rates. But that doesn’t mean Payline wouldn’t be a good fit for lower-risk clients either. Its transparent pricing system and transaction security services can help any business save money and avoid chargebacks.

Additionally, Payline has many of the processing features businesses expect in 2021:

  • Mobile terminals
  • Point-of-sale terminals and features
  • Invoicing and recurring payment functionalities
  • Online website processing integrations

So if you’re a high-risk business, Payline is hitting it out of the park. If you’re a regular business, Payline has a solid offering.

Payline plans and pricing

Payline plans and rates

Transaction rate
Monthly fee
Minimum fee requirement
See plans

Card-not-present payments

Interchange + 0.20% + 10¢



Card-not-present payments

Interchange + 0.30% + 20¢



Data effective 11/23/20. At publishing time, pricing is current but subject to change. Offers may not be available in all areas.

What is the minimum fee requirement?

Payline’s minimum fee requirement (as shown in the table above) is the minimum amount you have to pay in transaction fees every month. Remember, you’ll be paying a transaction fee for every payment you process according to the transaction rate (listed in the table above). Payline estimates that most businesses will meet this $25 fee minimum at around $1,500 in transaction volume.

If you don’t meet its processing fee minimum, Payline charges you the difference up to $25. This means that, with the regular monthly fee, the least you’ll ever pay Payline in a month is $35. So if you have a slow month and don’t process a lot of transactions, you’ll end up paying Payline at least $35 in fees.

What’s the difference between the in-person payment plan and the card-not-present payment plan?

The difference between the in-person plan and the card-not-present plan is pretty simple: If you want to take keyed or online payments, you’ll have to pay $20 a month. If your business only takes card-present payments, you’ll only have to pay $10 a month.

Also, the processing fees for card-present payments stay the same even if you add keyed payments to your service. All in-person payments are billed at rate of interchange + 0.20% + 10¢, and all keyed payments are billed at a rate of interchange + 0.30% + 20¢—no matter which plan you have.

Pricing model complaints

Payline doesn’t do a great job of laying out exactly how its fee structure works online, so there are a number of online reviewers that complain about being overcharged. These complaints mostly stem from clients not knowing about the $25 processing fee minimum.

That said, Payline is transparent about its prices, yet its model isn’t immediately intuitive. But if you have a steady processing volume above $1,500 per month, then you should have no issue with its regular monthly and transaction fees.

Payline doesn’t have any hidden fees

Once you understand how Payline’s pricing works, you’re good to go. It doesn’t charge any additional fees like PCI compliance fees or cancellation fees. In fact, you can get your first month with Payline free, so be sure to ask about it if you speak to a Payline representative.

Pros and cons

Pro Bullet Accommodations for high-risk clients
Pro Bullet Point-of-sale options
Pro Bullet Fraud and chargeback protection services
Pro Bullet Integrations for shopping carts, POS products, and Quickbooks
Con Bullet $25 processing minimum
Con Bullet Higher prices

Pros explained

If your business has ever been turned down by another processing company, Payline is a great service to look into. It’s built its processing package to mitigate the problems of taking on higher-risk clients—through its top-quality fraud and chargeback protection services. And the fact that Payline offers a really great processing package that even a low-risk client would love is really saying something.

Many high-risk processors try to take advantage of desperate businesses that need processing but keep getting rejected. Yet Payline tries to offer the same great service to each of its clients in any industry.

Part of that service includes a point-of-sale system. You can either buy a Clover terminal from Payline for point-of-sale features or you can ask Payline about whether your current POS service can be integrated with its payment processor. Plus, Payline offers integrations for online shopping carts and Quickbooks, making it easy for you to integrate apps you’re already using with Payline.

Cons explained

The $25 processing minimum may be a bit of a turn-off for businesses with low transaction volume, or even businesses with seasonal processing fluctuations that would put them below the minimum on some months.

Also, Payline doesn’t have the most competitive processing prices out there, but they are cheaper than processors like Square if you have decent transaction volume.

Key features

Payline has a program fit for high-risk and low-risk clients. That’s a hard feat to pull off without sacrificing quality for either kind of client. But once you get into the nitty-gritty of what’s on offer here, Payline really starts to look like a great option for any business.

Next-day fund depositing

Some processors will take multiple days and even a full week to deposit your daily transaction profits. But Payline makes those deposits the very next day, giving you immediate cash flow for running your business.

Shopping cart and POS integrations

Payline integrates with most shopping carts and point-of-sale systems. If you’re currently using either of these services, be sure to ask Payline if they have integrations available for your particular system. Integrating a new payment processor into your existing applications makes for a much smoother transition than getting all new services with another processor.

Terminal options

Payline offers three types of terminals:

  • Mobile terminals let you make transactions on the go.
  • Classic terminals usually stay in your store and make it easy for your customers to swipe, dip, or tap their cards.
  • Point-of-sale terminals add additional value to each sale you make through inventory tracking, customer relationship management, and reward programs.

It’s up to you to decide what fleet of terminals will work best for your business, and with Payline, you know you have options.

Ecommerce options

To make online business easy, you can integrate Payline into your website. You can either integrate Payline with your current shopping cart, sell your products on a hosted payments page, or integrate a payment gateway into your website.

However, the third option will require web development skills. So if you or someone who works for you has programming skills, you’ll be able to use Payline’s application programming interface to integrate a payment gateway into your website.

Chargeback protection from Verifi

Payline has partnered with Verifi to offer a chargeback and fraud protection program that will cut your claims in half and protect you from excessive chargeback fees. This service is a crucial part of mitigating the risks of high-risk processing clients.

With this service, you can avoid fraud and process secure transactions, so you don’t have to worry about getting dropped by your processing provider.

HIPAA compliance for medical professionals

Work in health care? Payline offers processing terminals that come complete with HIPAA-compliant customer payment encryption. This adds that extra layer of security to safely (and legally) process patient payments.

The takeaway

Payline is a great choice for a payment processor. It’s a great choice for high-risk clients who have been rejected by other processing companies. It’s a great choice for businesses that want to keep their current POS system and shopping cart. And it’s a great choice for medical professionals who need an extra layer of HIPAA-compliant transaction security.

If any of these sound like you, it might be worth looking into Payline as your next credit card processor.

Payline not quite what you’re looking for? Check out our recommendations for the top payment processors of 2021.


At, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Andrew Mosteller
Written by
Andrew Mosteller
For four years, Andrew has been writing copy to help business owners expand, manage, and advertise their unique brands. His upbringing in an entrepreneurial family nurtured a passion for small business at a young age. Andrew’s father, an equity fund manager, taught him the ins and outs of investment financing and owning and operating a successful business. Now he brings his expertise and experience to entrepreneurs as a regular contributor on
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