Before You Sign with Payline Data: What to Know About Contracts

Payline Data Services, LLC  is a mid-size merchant account provider serving businesses of most sizes and industries, including some high-risk merchant types. In October 2017, Payline Data was acquired by Pineapple Payments. Payline will continue operating as an independent brand and will retain the same executive leadership team.

Payment Processing

Payline Data handles debit and credit card processing for a variety of business types. Their offerings include point-of-sale (POS) solutions, EMV card readers and swipers, e-commerce solutions, mobile payments, invoicing, and recurring payments. Notably, the company states on its website that it donates at least 10% of its merchant processing fees to various charitable causes. Additionally, Payline Data offers a service for e-commerce merchants that includes a payment gateway designed for easy integration.

Online Payment Solutions

Payline Data provides online payment tools that enable businesses to accept payments through their websites. These solutions are intended to integrate with e-commerce platforms.

Mobile Payment Acceptance

To cater to the growing use of mobile devices, Payline Data offers mobile payment solutions. This service allows merchants to process payments using mobile devices.

ACH Processing

Beyond credit card processing, Payline Data also offers ACH (Automated Clearing House) processing services. This enables direct bank-to-bank transfers, providing an alternative to traditional card payments.

Integrated Payment Solutions

Payline Data focuses on integrating its payment processing services with existing business software and platforms. This integration aims to streamline various business operations, including inventory management and sales tracking.

Fraud Protection and Security

Payline Data implements fraud protection measures to safeguard merchant and customer data.

Positive Customer Feedback

As of this review, there are over 15 public Payline Data reviews, with additional comments below. Notably, none of these reviews accuse the company of fraudulent behavior. While a few complaints mention issues such as withheld funds, product malfunctions, or slow customer service, there is no consistent pattern of problems. Payline Data has also garnered numerous positive testimonials from verified businesses, indicating high satisfaction with both pricing and service. If you have your own experience with Payline Data, feel free to share it in the comments below.

Legal History and Penalties

Our investigation did not reveal any ongoing class-action lawsuits or FTC complaints against Payline Data. Customers with grievances against the company are advised to report them to relevant supervisory organizations.

Payline Data Customer Support

Payline Data provides phone support and a support form for all clients, both of which are effective in addressing customer needs. This level of service qualifies Payline Data as one of the top payment processors for excellent customer service.

Payline Data Customer Service Number

• (800) 887-3877 – Toll-Free Support

Other Support Options

• Support form
• Customer service via email at admin@payline.io

PaymentPop Rating for Payline Data

Negative Feedback

There are no negative reviews published about Payline Data on the PaymentPop website.

Positive Feedback

To whom it may concern:

I recently signed up and I wanted to express my complete satisfaction with Payline. This is a first class company and kudos to my rep Andy Roth who went way above and beyond the call of duty to help me understand all my options. Great communication and always a quick response from him and a pleasure to do business with. I was with another provider for years and was not happy with them and wished I had switched over to Payline years ago. I highly recommend this company and look forward to working with them for many years to come.

Sincere regards,

Roger

Happy Entertainment Party Productions

Payline Data BBB Rating

As of this update, Payline Data has been accredited with the Better Business Bureau since March 2014. The company is showing an “A+” rating and has had no complaints filed in the last 36 months. Payline Data has a 2 out of 5 star rating based on 1 user review on the Better Business Bureau website.

What Merchants Say

Payline Data has also received 1 informal review in the last 3 years. A former review described deceptive fees added to the contract:

I have used Payline Data for almost 5 years with very few issues and ones that were always resolved. Recently, I discovered that they began adding risk fees with certain credit cards that started back in October of 2021. To my fault, I didn’t read the bottom of each statement I had access to on their portal stating that certain fees would be added starting October 1st of 2021. However, when trying to find out more about these fees and which cards they would be applied to for using, I could not get an answer. First, they stated that I was taking too many cards (not present) and/or swiping too many cards instead of using the chip. After explaining this was not the case, they said some cards have different risk levels and therefore they were adding these fees. Basically, certain business cards or rewards cards may have risk fees associated with them. Keep in mind, they were doing this and not the credit card company. So, everything I was doing for the first 4 years was fine but then I began getting charges for certain cards (like 50%) but they couldn’t tell me which cards were doing this and gave no solution to the problem. This last month, my credit card processing fee was over 4% and with only a small portion from AMEX. Ironically, the last time I spoke with them, they offered to give me a $500 credit for this year or something to that effect. This convinced me that they knew they were doing something that was not fair and decided to try and make me happy so that I wouldn’t leave. So, please be aware of this if you are considering using them for credit card processing or if you already do.

In addition to the inaccurate rates, it appears that this merchant was not able to resolve their issue through the company’s customer service representatives. Achieving a resolution of problems like this is potential clients should review their options for providers who exemplify great customer service.

An “A” Rating

There are also two negative informal reviews posted to Payline’s BBB profile. Given this information, we agree with the BBB’s rating at this time.

Google Maps Rating for Payline Data

Payline Data has as 4.2 out of 5 star rating based on 52 user reviews on Google Maps.

Positive Feedback

Amazing customer service! So happy I decided to switch to Payline! I’m saving money and the onboarding process is super easy.

Negative Feedback

Do not recommend, also their high risk merchant requirements it doesn’t make sense.

Payline Data’s Interchange Pricing Model

Payline Data has updated its pricing structure to cater to various business types. The company now offers interchange plus 0.2% and an additional $0.10 per transaction for swipe rates. For keyed-in transactions, the rate is interchange plus 0.3% and $0.20. While Payline Data also promotes a tiered pricing system on its website, these rates are subject to change based on the client’s business size and type.

Hardware options include a mobile reader compatible with their free app for $43, and a countertop terminal that supports swipe/dip/tap transactions for $298. Payline Data accounts feature direct integration with Quickbooks and potentially offer enterprise solutions for very large businesses.

Virtual Terminal and Payment Gateway Fees

Payline Data’s virtual terminal and payment gateway, known as Payline Connect, charges interchange plus 0.3% and an additional $0.20 per transaction. This service, suitable for e-commerce, includes a $10 monthly gateway fee, covering PCI compliance costs. Payline Data offers month-to-month service with no early termination fees. For high-risk merchants, alternatives through Network Merchants Inc. or Authorize.Net are available, although specific pricing for these portals is not publicized.

Additional Fees and High-Risk Accounts

Payline Data’s pricing structure includes a $25 monthly minimum fee, but excludes annual fees, PCI compliance fees, gateway fees, and early termination fees. The absence of long-term contracts and the provision of lifetime equipment protection are notable benefits. High-risk merchant accounts typically receive tailored pricing and contract terms based on specific industry risks.

Comparing Payline Data’s Cost-Effectiveness

Overall, Payline Data’s rates and terms are competitively priced, offering greater transparency and value compared to many competitors. Nevertheless, it’s beneficial for businesses to review our list of top merchant account providers for a comprehensive comparison.

Transparent Marketing

Payline Data appears to market its services in several ways including partnerships, affiliates, sub-ISOs, and independently contracted agents. There are no negative Payline Data reviews regarding the company’s marketing practices and does not appear to suffer from the typical problems associated with hiring independent agents. Generally speaking, Payline Data maintains client-friendly policies that prevent agents from offering predatory rate structures, which is a positive sign for the company overall. We have found no evidence of deceptive marketing or sales practices at the time of this review.

This compares favorably to our list of best credit card processors. However, if you suspect that Payline has misrepresented your pricing, you can always seek an independent statement audit to find and eliminate hidden charges.

As a rapidly growing player in the credit card processing industry, Payline Data distinguishes itself as a top-rated, merchant-friendly processor. It impresses with its transparent Interchange-plus pricing, flexible month-to-month contracts, and superior customer support, setting it apart in a crowded marketplace. Additionally, the company stands out for offering high-risk client accounts, a rarity that gives it a competitive edge. With this comprehensive approach, Payline Data effectively meets the diverse needs of businesses while delivering exceptional service and value, reinforcing its reputation as a preferred choice among savvy merchants.