Payline Data Review

Overview

Payline Data, LLC (paylinedata.com), is a small but fast-growing merchant account provider serving businesses of most sizes and industries, including “high risk” merchant types. Payline Data advertises on its website that it donates a minimum of 10% of its merchant processing fees to deserving charitable/non-profit organizations. The company is headquartered at 225 W Wacker Drive Suite 1565 Chicago, Illinois 60606 and was founded in 2009. Payline Data Services, LLC, is a registered ISO/MSP in association with Fifth Third Bank, Cincinnati, Ohio, and primarily uses Vantiv for its transaction processing network. Jeff Shea is the CEO and co-founder of Payline Data.

Visit Payline’s Website or call (888) 506-7812 to contact the company directly.

Key Points

  • Sales & Marketing: Payline Data does not engage in misleading sales tactics and has not received complaints about its sales team.
  • Costs & Contract: Payline Data offers month-to-month contracts with interchange-plus pricing and no early termination fees.
  • Complaints & Service: We have found fewer than 10 public complaints filed against Payline Data.
  • BBB Rating: Payline Data has an “A+” rating with the Better Business Bureau and has received six complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With Payline Data

Payline Data Products and Services

Industries

  • Retail
  • Mobile
  • E-commerce
  • Non-profit
  • High-risk
a

Sales & Marketing

Key Points - Sales & Marketing

Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? Yes

Payline Data appears to market its services in several ways including partnerships, affiliates, sub-ISOs, and independently contracted agents. The company does not have any complaints regarding its marketing practices, or any that indicate the typical problems associated with hiring independent agents. It appears that Payline Data has merchant-friendly policies that prevent agents from offering predatory rate structures, which is a positive sign for the company overall. This reviewer found no other evidence of deceptive marketing or sales practices at the time of this review.

Payline Data Marketing Example

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Costs & Contract

Key Points - Costs & Contract

Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: None
PCI compliance fee: Variable
Equipment lease: None

A representative of the company stated that Payline Data primarily signs merchants up for Interchange-plus pricing, which is the most transparent (and often least expensive) transaction fee model. Additionally, the company offers month-to-month contracts with no cancellation fee in most cases. In the event that a merchant wishes to receive free equipment from Payline Data, the merchant will be required to sign a service agreement of up to 36 months with a cancellation fee of up to $375. Merchants can avoid the contract in most circumstances by simply purchasing the equipment upfront. Additionally, Payline Data charges a PCI compliance fee to all merchants. High-risk merchant accounts will likely have customized pricing and contract terms based upon the industry type and level of risk associated with the merchant.

Payline Data also offers a mobile processing app and card reader for merchants seeking to accept payments on their smartphones. Visit Payline’s Website or call (888) 506-7812 for the most current pricing information.

a

Complaints & Service

Key Points - Complaints & Service

Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

At the time of this review, Payline Data has received only a handful of public complaints, two of which are found in the comment section of this review. The few complaints filed against Payline Data tend to cite varying issues like withheld funds or slow customer service, but there is no consistent theme. Payline has also received numerous positive testimonials from verified businesses on this and other websites. We take this as a strong indicator that the overwhelming majority of Payline’s merchants are satisfied with the pricing and service they receive. The company offers phone and email support to all of its merchants.

a

BBB

Key Points - BBB

Product/service: 3
Billing/collection: 2
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

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 six complaints filed in the last 36 months. Three complaints were related to a product or service, two had to do with billing or collection, and one was related to an advertising or sales issue. All complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. There are also no informal reviews posted to Payline’s BBB profile. Given this information, we agree with the BBB’s rating at this time.

Payline Logo New

Payline Data Bottom Line

Although a young company in the credit card processing industry, Payline Data is standing out as a merchant-friendly credit card processor that offers Interchange-plus pricing and month-to-month contracts in the majority of cases. Additionally, the company is one of the few that also offers high-risk merchant accounts.

Interested merchants should visit Payline’s Website or call (888) 506-7812 for more information and quotes.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

Schedule a Consultation with Phillip

34 Reviews Leave Your Review Below

  1. I come from a situation where I am transitioning from my 3rd credit card company because of poor customer service and no response to occasional emails. I chose Payline because of the lack of complaints on the web. I encourage anyone searching for company to search “complaints _____” where the blank is the company you think you want. My initial contact with Payline was a bit questionable because they do not provide a phone number to talk to a real person. Rather, you have to enter your email and cell phone info for a call back. That was for me strike one, but I was thrilled with the result. I was contacted within 2 hours from my main man Zach Dillman who solved all my issues and made the transition seamless. He explained the program flawlessly, and when I had strange questions I talked to a supervisor that resolved the issues. For anyone considering coming from another program. I have this to say. The pricing structure is absolutely clean. You know exactly what you will be paying with no hidden surprises. The communication is virtually immediate, which is very important for me. I have a $5 million business and I feel after 3 failed attempts with other companies that I am in the right place.

  2. I had your service for a few months, and I just sold my business. But, I just want to let you know that Kayla has been such an excellent costumer service rep to me. I called her so much for different issues and she was always very helpful and on top of it. I have never experience someone so personal and friendly to help right away.

    I thank you and Kayla Muldoon for your service.

    Yazmin Carrera
    former owner of Salon Du Mont

  3. I was not very familiar with using the online merchant account, but PayLine made the entire process extremely easy for me. I tried using another merchant account first that was recommended by my wife and they were not honest, they took longer than promised and, only hurt my new business. PayLine was prompt in getting what I need and did everything in a timely manner. With the help of my account manager Tyler Heugly, I was able to get my merchant account exactly the way I needed it. Since the process was new for me, he helped walk me through the entire process. Now my company is thriving and has really taken off faster than expected. Thank you, Tyler Heugly for your professionalism, and great customer Service. I give PayLine an A+

  4. Our company needed an eCommerce solution that was a little out of the ordinary. Zach Dillman worked with us to understand our needs and get our account approved. I am really glad Zach took the time and worked with us. Payline has been there every step of the way, I would recommend to anyone who needs a great payment processor that is easy to work with.

  5. We are very new to Payline. We received our terminal yesterday. So far, Kayla Muldoon has been very helpful! Thank you again, Kayla!

    1. Hi Patty,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  6. Payline Data is a great company to work with. I have found their staff to be very knowledgeable, patient and eager to help! I would recommend Payline Data and Inside Sales Manager Zach Dillman to anyone looking to process credit cards online. 5 out of 5 stars!

    Jessica / Co-Owner – monksgunshop.com

  7. I first contacted Payline Data in February 2016. I did a lot of research and Payline really fit our needs. Zach Dillman was wonderful in helping set up our new Merchant Account. We were very hesitant because of our bad experience with our current provider. Zach was always there to answer my many questions. Explained things thoroughly and was never pushy. We were approved in less than a day. We look forward to working with Payline Data for our processing needs.

  8. My experience with Payline has been great. Zach Dillman did a great job with whatever we needed from him, and is always quick to respond to questions. This creates a great relationship between the vendor and customer. We appreciate that, and look forward to working with your company because of the job he’s done thus far.

  9. I have had to contact Payline on various occasions for an assortment of questions/issues. I have had a satisfactory outcome every time. Even when the information being requested or the question being asked isn’t something with a quick answer, they always get back to me in a timely manner and are able to help. I would (and do) recommend them!

  10. I contacted Payline Data to set up my merchant account after doing a lot of research online and reading about their stellar reputation. As a small business owner and first-time merchant account holder I was nervous to make a choice, but when I spoke with Zach he was very helpful, not “salesy” at all – he was just very straightforward and took care of all of my questions and got my account set up in a few easy steps. I did a lot of research before I chose this company and I’m so glad that I did – I know I can trust Zach to help me if I have a problem and I now have one less area of my business that I have to worry about.

  11. I convinced my new business partners that we should try Payline Data after reading the great reviews. Very costly mistake. On the first week of transactions, third batch, our funding is placed on hold, $3000. We were approved for 36,000k per month, Virtual and Mobile terminals.

    We are contacted by a Vantiv Risk Manager asking for more information regarding our transactions. We submitted the information (2 recent invoices). They are unable to reach the customers so they ask for two more invoices, but only after we contact them. Apparently, they need to validate the purchases. Two more days pass and nothing. We send a message to the Sales Rep at Payline and contact Vantiv, nothing. Finally we get a call back stating that our account was flagged for Risk because of a few Yelp reviews, No Joke. They said they would require some additional information.

    Me and my new partners recently purchased a photography business/equipment because the last owner lost his wife to cancer and was not able to carry on with the business, in the last month he received a few bad reviews, his loss was not disclosed to the customers. I have worked for him for the past 4 years and he told me that I would be given the opportunity to be a small partner in the new business because of my experience with Event Photography and knowledge of the productive. Prior to the recent bad reviews, the previous company had more that 50 five star reviews. I was stoked about the opportunity. In mid October I met my new Partners, and we started preparing the new Corporation, Bank account was opened Nov 2, we applied to Payline Data on the 5th and were approved on Nov, 9.

    We purchased our new web domain on the Nov 3rd and hired a web development team on the 4th. We decided to keep the CRM (customer management system) with the old website, because it worked well, but in the interim we were given a few accounts to complete along with the website in order to maintain repeat business with more than a few thousand customers in the system, He also gave us the 800 number so that we can re-service existing customers. Our new website is scheduled for completion in early Dec. We decided to keep the site until the transition was completed, by then we could send our customers notice of the change and New Business name. The old company had serviced more than 3000 customers, there is no reason to dismiss the many great, happy customers for the the very few unhappy recent customers. The truth is the previous owner really had no strength or focus on the business.

    After a very stressful conversation with the Vantiv Rep today, he insults my new partner, who has a slight accent and asks him if he knows anything about the business, he has no idea why funds are being held and is new to the business. I finally interject and ask him what he requires to release the funds. He said he needs, Bank Statements, previous Processing Statements or Business Financials. Ok , 1. The account was open on the 3rd, we expressed this was a brand new Corp with new Partners in the under-writing and to the Payline Rep. 2. We can not just ask the previous owner for Processing Financial as we purchased the equipment and not the Business Name or previous Corp and Financials, he just gave us the website and 800 number for marketing as he had no use for it. 3. Again, this is a new business with no financial history and we explained this to the Sales rep with Payline and the Risk Rep with Vantiv, who interrogated us as if we were morons for buying the equipment and keeping the website and phone number. Again the previous business had serviced thousands of customers so there was no need to scrap the data in the CRM. This month alone we have received more than $8,000 in orders from repeat business for the holidays.

    Vantiv is offering very little flexibility as we are a New Corp attempting catch momentum of an existing model. Today the rep expressed that Vantiv needs us to have financials to cover potential exposure. After much convincing, one of my partners agreed to fund our Merchant Bank account with $25,000.00 to suffice the financials, currently Vantiv is holding $3000.00 and ceased our processing. Our options were to refund all our customers for all 3 batches (total $7000.00) or wait 6 months for the $3000.00 to be released. Shouldn’t all of this nonsense been explained in under-writing process and application? We applied with a new Corp and all new officers, it’s absurd that they are calculating risk off of 5 bad reviews out of a total of 65 five star Yelp reviews, not including the 20+ reviews on Wedding Wire.

    Tomorrow I am advised to submit the Business Statement with the account funded with $25,000.00 as of today, proof that the Corp was formed in mid Oct, and the account was opened on the 2nd and the new website domain was purchased on the 3rd. I was also given an invoice for the Purchase of the equipment which was finalized on Nov 10th.

    The Good – The sign up was easy and the rep told us we’d have no issues.
    The Bad – The product is dated and ugly, funding is 2 business days, the support via email is non existent. No responses from the sales rep or the support email.

    Just like Clint stated, the Payline Pep pressured us to complete the app get started.

    This a very honest situation, I will update this review shortly with the results. I hope this post is not discarded, I will be placing this on every review site possible and reporting Vantiv and Payline Data to Consumer Reports and the BBB. I do not recommend Payline Data to anyone. Horrible service!

    —-

    Are you with Payline? Learn how to resolve this complaint.

    1. Dear Mr. Paul,

      We appreciate your feedback and have taken the time to review your case.

      Per our registrations with Visa & Mastercard, as well as our sponsoring institution, we are required to take underwriting and risk policies seriously. When your account exceeded the regulated standards for Chargebacks, our investigators reached out to review your account. At this time, the primary signor for the business could not confirm the required requests for your business and led our investigators to freeze your account for potential fraud. We continued to monitor other sources and continued to find information that restricted us from allowing this account to continue processing.

      After review it is our position that your account will remain closed and funds will be available to you after the current waiting period.

      It is never our intention to put you or any merchant in a negative position, and we understand that you are not pleased with our decision to close your account, and encourage you to contact us at any time at 866-718-7896 to discuss these matters.

      The Payline Data Risk Team

  12. We switched to Payline after a horrific nightmare experience with ipayment. Payline had us up and running in 48 hours, walked us through everything and payments post to our bank account within just a couple days. Could not be happier! Their customer service is fast, responsive and extremely helpful. Love this company

    1. Hi Tracey,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  13. Payline Data has saved us multiple times over the past 5 years. iTOK.net has grown from a 50 person shop to over 400 within the time we have worked with Payline. Revenues and and the complexities of system integrations have continued to grow. I’m extremely pleased to say Payline has been by our side the whole way. The staff at Payline from the front line to the CEO are extremely responsive and proactive. I can’t say enough good things about Payline.

    iTOK.net is a large company in a difficult industry for merchant service companies to support. Payline is the only processor we have and continue to have confidence in.

    1. I was in a panic mode when I first started working with Payline! Thank goodness I was assigned to Zach Dillman, he went above and beyond to answer all my many questions with assurance and professionalism that things would work out and they certainly have! Payline is a great company to work with because of employees like Zach with the initial set up and Buffy Ensing with continuing support. Payline is certainly a company I hope to have a long term relationship with.

      1. Hi Cheryl,

        Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  14. Thank you so much for sharing your comments with us here,

    Our team reviewed your concerns and researched your account. After this research we have found that you have selected our Payline Simple plan. We have all pricing details available for you here on our website: https://paylinedata.com/pricing/.

    Your statement is accurate and you paid only $84 in fees for the $3547.04 in processing. This is a net effective rate of only 2.3% which is very low and competitive. In review this is a significant savings from your previous Elavon account.

    As you may be aware, EMV technology is becoming required in the United States, and all merchants will have to switch to a terminal that can accept these Chip & Pin cards by October in order to comply. We apologize that this is an inconvenience for you and will be happy to assist with this transition. It appears from your comments that you were not aware of that, and we want to make this right. Please contact us at 800-284-7401 or email at [email protected] and we will make sure to get your account processing securely.

    Thank you again,

  15. First I would like to thank pay line and all there staff for being honest help full and going out to really listen to me and explain things clearly. I used square card reader and had the worst experience ever trust me that they will take your money then close your account so you can’t call them and when you try to refund it will say that it can not be refunded …..if you want live support and questions answered quickly then pay line will fit your business plan. But please find out for your self.God bless!

    1. Hi Joseph,

      Please reply to this comment with your business name and location in order to verify your testimonial. Thanks!

  16. Hello,

    This message is in regards to the service I experienced with Payline. Our firm met Payline in Chicago to discuss the issues that we were having with our current provider, Intuit. We had been overcharged for a very long time but stuck with them due to the integration into Quickbooks. We made the decision to switch to Payline and our first month saved over $300! Not only that I found out that they have an integration with their gateway and we did not lose any functionality.

    I love how friendly and open the staff was. They told me what fees I would pay and that is what I saw. Great to find a local company with integrity.

    Johnny

  17. Thank you for sharing your concerns and feedback regarding our company on this forum. We do apologize that you have not have a positive experience with our company regarding your account that was approved 04/29/2015.

    It is never our intention to create a situation where a merchant is unhappy, however it is also our responsibility to properly handle risk and management of our merchant accounts. After this account was approved we monitored and noticed that over 80% of all attempted charges were declined. At this point the merchants bank account was also overdrawn, which caused an alert to be sent to us from their bank. These instances were in breach of our credit standards and did force us to close this account.

    If you have any further questions, please follow up directly through the existing communication channels that have been in place. We hope that you are able to find a solution that better fits your business needs.

    Payline Data
    Risk Prevention Team
    800-284-7401

  18. Our sincere apologies go out to Rick for the experience he had with our company. We strive for a world-class experience with all of our customers, and in this case we clearly missed that mark.

    Upon learning of these issues we did speak with the client and walked him through the AVS & security options available to him within our gateway. During this time he exhibited patience with us and allowed us to close out this issue.

    This is not indicative of the experience our customers regularly have with us, and we are using this example as a tool to find out where we may need to gain additional training or resources to ensure this is never repeated.

    We wish him all the best.

    Thank you

    Customer Support

    1. Cody, I am not sure if you are happy or complaining about $99.00/year ($8.25/month) PCI compliance fee. ???

      The processor charges a PCI compliance fee and also provides compliance support.

      A PCI fee is legitimate and even beneficial to a business if the processor provides compliance support and the fee charged for the support is reasonable.

      Navigating PCI compliance is confusing and time consuming — especially for e-commerce businesses. In light of this, many processors provide support to help businesses navigate the perils of PCI compliance such as self-assessment questionnaires and quarterly network vulnerability scans.

      If the PCI fee charged for such support is reasonable, it is often less than a business person would pay if she were to navigate PCI on her own.

      For example, a legitimate PCI fee would be something in the area of $70-$120 a year, or about $6-$10 a month for compliance support involving scans and assistance completing compliance questionnaires. The PCI fee may be greater or less depending on the level of support the processor provides.

  19. We became a Payline Data merchant in April 2012 and have never regretted the change over from our bank. The fees were much lower and the integration was seamless. As a non-profit, 98% of our donors make their monthly donations using their credit cards. It is so easy to set up monthly recurring transactions and access the reports I need. If I need any help at all, customer service is a phone call away and I’m actually able to speak to a live person. Payline Data believes in giving back and donates a portion of their profits to qualified non-profits designated by their merchants. As Liberty Road Foundation is qualified to received these donations, we are doubly blessed not only by Payline Data’s low merchant fees but by their large quarterly donations to us for the furthering of our mission to help at-risk kids and their families. Thank you, Payline Data, for welcoming us into the Payline family.

  20. I typically do not write testimonials, not because I am too lazy…but I just very seldom feel the irresistible desire to put my thoughts on paper for the rest of the world to see; or encourage someone to take a leap of faith to experience the same type of service I know exists! I recall once, having the most delicious meal of my life; at the time it felt strange asking to speak to the chef, but I was overwhelmed with satisfaction, and he needed to know!!

    Dealing with Ryan Abramovic at Payline has me just as satisfied and I feel just as strongly that he, and others, should know about the service you can have with Payline!! From the very first moment of contact, Ryan has been amazing to work with! It seems crazy how it all unfolded; Our company had been approached by another cc processing company at a trade show promising they were the best out there to reduce the rates our company was currently paying; however, everything about it felt wrong, pressured, and sketchy. I tried to ignore that “gut” feeling and proceeded to fill out the merchant application – ultimately…Business is business and I was being shown the thousands of dollars we could be save each month – so what had me so conflicted? I had the application signed and ready to fax over, yet I couldn’t get the feeling that I was about to get into the water with sharks!!

    Our main goal was to find a way to save $$ on our outrageous credit card processing fees , most of which were on our statement in a way that we didn’t even know what we were being billed for! I am glad I took a second to breathe and listen to my gut! In doing so, I found Payline and within minutes, Ryan was there to throw out a life ring and save me from the “bloodied waters”!

    From the very first email through the application process and getting our account transferred over, to a few additional questions, Ryan has been amazing!! I truly cannot express enough how fantastic he is or how genuine this company is! I also had the brief pleasure of working with Jake Siebert who took the time to find the right payment gateway for our company, staying on the phone to walk me through the entire process to switch it over!

    I could probably go on and on, but I think you should take my review for what it is worth and give the guys a call over at Payline. Discover firsthand how in our competitive world, there are companies like Payline that still exist with a vision to change an industry through honesty and ethical business practices!

    – Amber :)

  21. After a long search, we went with Payline and discovered that everything that Ryan Abramovich said was true! He always responded quickly to my many questions and their overall fees were far less than nearly every other merchant processor.
    We used Payline for several months but eventually had to switch because we have a large amount of recurring customer sales of different amounts and the virtual terminal was not able to let us do these types of sales quickly. Otherwise we definitely would have stayed.
    You really can’t go wrong with choosing Payline.

    I am not an employee of Payline nor am I related in any way, shape or form to them.

  22. Hi,

    I created an ecommerce site for electronic cigarette products, and I would like to use Paytrace as my payment gateway. Does your merchant service allow sales of electronic cigarettes? If so, would I be able to use Paytrace with your merchant service?

  23. Jake Siebert is terrific, and the customer service from this company is unreal! too much! AFTER 9 months of Global Pay, Hell would be better!! However, when I checked out what seemed to be a little steeper rates, they amounted to a WHOPPING $.03 for each transaction more!! OMG! I thought, why didn’t I google the “10 best on line gateway/merchant services companies” (they have both, and rule both, which is the guise I was pulled into with 2 other companies I unfortunately went with, and THEY DID NOT HAVE BOTH!!!!!!!!!)

    Anyway, Mr. Jacob Siebert was a true gentleman, until he, and his pals, discovered that i was a major on line thief, and I am writing you this note from a penitentery in Mexico!! Naw, see their rating, as # one, and A+!! What more do you want??

    Use this gang, and “Everything weeeell beeee cooool Mon!!” Now, you can get some sleep tonight!!

    Rory…Super sleuth…

    Also, Rick Fox, here above me, claims ignorance, and me too, and like you, Rick, we were overwhelmed with fees from the second they turned on the switch, for much higher rates, bills in mail 16 days after auto withdrawl on biz account, chargebacks, that were mistakes, and customers more than happy, phone set up in Paraguay, zero brained I T team, 45 minute wait to customer service line, lost calls, want more?? not tonight!!! Bee coool..Mister FOX!!

  24. We originally used intuit to process credit cards when we started our company. After 4 years of never looking at our bills we were approached by Payline. We were amazed to find that even as a small company we saved over $5,000/year in credit cards by switching. Plus their gateway integrated into quickbooks so I did not have to change any of my accounting.

    Amazing!!

  25. We are new to credit card processing for our website (had been done via a third party previously). We signed up with a providor (PowerPay) BEFORE we discovered your website. We had a terrible experience with monthly fees before we ever started processing payments. Our fault- we didn;t knwo what we were doing and we failed to read the 4 point font on their lengthy contract. Through your site, we discovered Payline Data. What a great experience! They explained things in terms we can understand, they helped us find an appropriate plan, coordinate our change with Authorize.net, and all this great service came with lower fees! They have been refreshingly honest, amazingly helpful and will save us hundreds of dollars. I can’t recommed Payline highly enough.

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