PROS / There are two transparent pricing plans available for you to choose from.
CONS / Payline's monthly fee is a bit higher than average.
VERDICT / This company has high-quality customer support and great terms as well as nice processing costs that offset the fees it requires.
Payline is a payment gateway service offering solid service terms, an easy application process and better-than-average processing costs. The customer service we received from this company was some of the best among the payment gateways that we reviewed. Due to these traits, Payline earns our Top Ten Reviews Bronze Award.
Costs & Fees
Payline offers interchange-plus pricing, also known as cost-plus or pass-through pricing, to all of its customers. When we reached out to Payline, its representatives quoted us 0.20% + $0.10, which was consistent with what was on the company's website. This rate is a competitive rate when compared with the costs of the other payment gateway companies we reviewed. You can sign up for one of two plans with Payline. The Pro plan is for businesses that process more than $5,000 a month, and the Simple plan is for businesses that process below $5,000 a month.
This payment gateway provider charges many of the standard fees charged by processors. These include a monthly fee, a monthly minimum and a PCI-compliance fee. The PCI-compliance fee and monthly minimum fee, which are $99 and $25 respectively, are average for the payment gateway services we reviewed. The monthly fee, which is $20, is higher than the average on this review.
Most processors charge a monthly minimum from just the processing costs of each transaction. It's worth noting that Payline takes the monthly minimum from the full transaction, which makes meeting the monthly minimum easier on your business. Instead of having to pay $25 in just processing fees, you must process at least $25 of total transactions each month. This can be especially useful if you're a new business and are worried about meeting a monthly minimum requirement.
To process payments online, you need to pay a setup fee of $49 and an ongoing monthly gateway fee of $10. The monthly gateway fee also includes an additional $0.10 per-transaction fee, which must be paid with each online transaction.
It's important to note that Payline is transparent and consistent with the information it provides, which is something we specifically looked for when reviewing companies. It lists all of its fees, costs and terms online, and the information posted online matched the quotes we received when we spoke with agents from the company.
Setup & Service
Out of all of the payment gateway services we reviewed, Payline had the quickest and easiest-to-use application. It can be filled out online in about ten minutes, and accounts are approved and set up the same day in most cases. If you need your money faster than the typical 24 to 48 hours offered by most processors, Payline is one of the fastest processors available in our review, usually taking just one business day to deposit money in your account.
There is no contract you have to agree to in order to work with Payline. Instead, you can process month-to-month, and there are no cancellation fees if you ever want to quit using the service. Be sure to read the application you're given if you choose to sign up with Payline. If there is a three-year term on the application, ask for a waiver to be sure that you receive month-to-month service.
Payline also stood out throughout our testing for its customer service. The company representatives we contacted were courteous and helpful. They explained to us in detail about industry terms, like interchange and PCI. This company provides you with a dedicated account representative, giving you a single point of contact for the company in case of any problems or questions you may have. It also offers 24/7 support via phone and has live chat available on its website.
Payline provides interchange-plus pricing that is more affordable than average in this industry, which is helpful if costs and fees are especially important to you in deciding which payment gateway service to use. This company also has solid account terms and one of the quickest setup times and is one of the fastest companies for depositing money in your account. Its customer service is also top-notch, which is helpful in case you have any problems or questions with your service.