Processor Directory > Payline
Payline Review
If you’re looking for a payment processor, here’s what you need to know about Payline’s rates and fees, contracts, reviews, and more.
- History and News
- What services does Payline offer?
- What kind of reports can I run?
- Payline Rates and Fees
- What about contracts and cancellation fees?
- Reviews
- Payline at CardFellow
History and News
Payline was founded in Chicago in 2009. They are a registered ISO and MSP of Fifth Third Bank. In 2017, Payline was acquired by a company called Pineapple Payments. If Payline begins to operate only under the Pineapple name, we’ll update this profile to reflect that change.
What services does Payline offer?
Payline can provide traditional POS credit and debit card processing, a gateway and virtual terminal, mobile processing, and cash advances.
Traditional POS
If you’re taking credit and debit cards the “traditional” way (in-person, such as in a store or restaurant) Payline offers high-speed EMV terminals or the ability to reprogram your existing equipment. EMV terminals include chip and PIN card reader for transaction security. Depending on the specific machine, you may also be able to accept contactless (NFC) technologies like Apple Pay. Dial-up, ethernet, and wireless terminals are available, and the machines are PCI compliant.
If you’d prefer to use a tablet, Payline can help you use an iPad as your POS register. The iPad terminal can be used with a countertop receipt printer and an encrypting card reader for swiping cards.
Gateway and Virtual Terminal
Need to take cards online? Payline gives you the ability to process cards online with a secure and PCI compliant gateway from NMI, meaning you can also integrate with software or services that require the NMI gateway such as scheduling systems like Front Desk.
The Customer Vault stores customer credit card data in Payline’s vault, not on your systems. Additionally, Payline uses tokenization and browser redirection to ensure payment security. With the virtual terminal, payments can be keyed in to charge or refund credit and debit payments. You can also create recurring payments and subscriptions and generate electronic invoices for faster billing.
Sick of keying in cards? A card swiper option lets you swiper cards instead of keying. Card swipers work with Windows and attach via USB port or Bluetooth, depending on the option. You can also read our article on taking cards with smartphones and virtual terminals for more information.
And, if you need it, the virtual terminal integrates with QuickBooks so you don’t have to switch to new accounting software.
Mobile Processing
More businesses are choosing to take payments with their smartphone or tablet. Payline has two services for mobile processing: Payline mobile and Flint mobile. The Payline mobile app is geared to businesses that process $5,000/month or more.
Flint mobile is a partner service and geared to businesses who process $5,000/month or less. Mobile processing allows emailing receipts and tracking history. The Flint app does not use a card reader, but instead is used to scan the card. Cards can also be keyed. Data is encrypted at time of transaction for added security.
Cash Advance
Need some cash for business expenses? Payline offers cash advances to businesses that have been processing credit cards for at least 60 days and process over $8,000 in cards per month. You may qualify for up to $500,000, and the funds can be used for almost any business purpose from advertising to renovating.
Keep in mind that cash advances may be more costly in the long run than small business loans. However, for businesses that don't qualify for a loan, advances can provide an alternative.
What kind of reports can I run?
Payline offers so many reports, you might as well just ask what ones you can’t run.
Available reports include sales summary and sales detail, items sold summary and detail, items sold by employee or category, payment summary and detail, sales tax reports, refund reports, and more. Reporting for the virtual terminal can be customized to include batch data, detailed searches, and more.
Payline Rates and Fees
Payline places certified quotes through CardFellow, meaning that quotes you receive through us will be fully disclosed, priced with an interchange plus model, and with a lifetime rate lock.
Rates and fees are set individually for each business, based on your specific needs, industry, and more.
To get a quote from Payline tailored to your business, simply sign up for free at CardFellow to get your quote.
What about contracts and cancellation fees?
At CardFellow, we prohibit cancellation fees. All Payline quotes through CardFellow adhere to the no-cancellation fee requirement. That effectively results in a month-to-month processing agreement.
Reviews
Payline is generally well-regarded as a helpful and transparent processor. In situations where complaints are posted online, such as with the Better Business Bureau, Payline has an active presence and responds to customer complaints.
Payline Reviews with the Better Business Bureau
Payline has been accredited with the Better Business Bureau since 2014 and has an A+ rating. They have only had 2 complaint closed with the BBB in the last 3 years, and the BBB website indicates that Payline responded to both complaints. One complaint indicates that Payline initiated refunds on behalf of businesses. Payline acknowledges after researching the complaint that refunds were issued, but denies the accusation that they initiated the refunds, stating that they don’t do that. The other complaint relates to difficulties achieving PCI compliance and being charged PCI fees.
Payline Reviews on Yelp
Payline doesn’t have a big presence on Yelp, but does have two 5-star reviews for a total 5-star overall score. Reviewers compliment the company on helpful staff and good rates for services, as well as caring about their clients.
Payline at CardFellow
As a processor that places certified quotes in the CardFellow marketplace, Payline has signed a legal agreement with CardFellow dictating what can and can’t be done.
Payline’s contract with CardFellow requires them to use interchange plus pricing with true pass-through, commit to a lifetime rate lock, not charge cancellation fees, and not lease equipment, among other things. CardFellow stands by certified quotes. If you choose a Payline quote through CardFellow, we monitor your pricing to ensure everything stays as quoted.
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