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Payline Data 2023: Card Processing Reviews & Complaints
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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.
Before we dive in, here’s a short summary of what we’ll cover:
- Payline Data’s various payment services.
- Payline Data has few complaints and many positive reviews.
- Payline Data is owned by Pineapple Payments.
- The Payline Data contract, which is very competitive.
Payline Data Payment Processing
Payline Data processes all major debit and credit cards for most business types. Their services include POS solutions, EMV card readers and swipers, e-commerce solutions, mobile payments, invoicing, and recurring payments. Payline Data advertises on its website that it donates a minimum of 10% of its merchant processing fees to a selection of different charitable causes listed on its website. The company also has a service for e-commerce merchants that provides an easily integrated payment gateway.
Online Payment Solutions
Payline Data offers a range of online payment solutions that allow businesses to accept payments via their websites. These tools are designed to integrate smoothly with e-commerce platforms and offer a seamless checkout experience for customers.
Mobile Payment Acceptance
With the increasing reliance on mobile devices, Payline Data offers mobile payment solutions. This service allows merchants to accept payments on the go using mobile devices, making it ideal for businesses that operate outside of traditional brick-and-mortar locations or at events.
In addition to credit card processing, Payline Data provides ACH (Automated Clearing House) processing services. This service facilitates direct bank-to-bank transfers, offering an alternative to traditional card payments.
Integrated Payment Solutions
Payline Data emphasizes its ability to integrate its payment processing services into existing business software and platforms. This helps businesses keep everything streamlined, from inventory management to sales tracking.
Fraud Protection and Security
Payline Data has measures in place to combat fraud, including tools and protocols designed to safeguard both merchant and customer data, ensuring transactions are conducted safely.
Subscription Billing Services
For businesses that offer subscription-based products or services, Payline Data provides recurring billing solutions. This facilitates automated charges at specified intervals, ensuring consistent and timely billing.
Location & Ownership
Payline Data, founded in 2009, is headquartered at 225 W Wacker Drive, Suite 550, Chicago, Illinois 60606 though Google lists 222 W Merchandise Mart Plaza #1212, Chicago, IL 60654. Payline Data Services, LLC, is a registered ISO/MSP in association with Fifth Third Bank, Cincinnati, Ohio, and Wells Fargo Bank N.A., Concord, CA, but primarily uses Worldpay for its transaction processing network. Jeff Shea is the CEO and co-founder of Payline Data.
Table of Contents
Payline Data Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||15+|
|Live Customer Support||Yes|
|Most Common Complaint||Fund-holds|
Low Complaint Volume
At the time of this review, there are more than 15 public Payline Data reviews, a few of which are found in the comment section below this review. None of these accuse the company of being a scam or a ripoff. The few complaints filed against Payline Data tend to cite varying issues like withheld funds, product malfunctions, or slow customer service, but there is no consistent overall 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 clients are satisfied with the pricing and service they receive. If you have your own Payline Data review to make, please do so in the comments below.
Payline Data Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Payline Data. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Payline Data Customer Support Options
The company offers phone and a support form to all of its clients, and these channels are effective enough to qualify Payline Data as one of the best payment processors for great customer service.
Payline Data Customer Service Number
- (800) 887-3877 – Toll-Free Support
Other Support Options
- Support form
- Customer service email address at [email protected]
Payline Data Online Ratings
Here's How They Rate Online
Lowe BBB Complaint Total
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.
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.
Payline Data Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Processing Rates||Interchange +|
Payline Data recently overhauled its pricing for different business types. The company charges interchange plus 0.2% plus $0.10 per transaction as a swipe rate and interchange plus 0.3% plus $0.20 for keyed-in transactions. A tiered pricing structure is also advertised on the company’s website, though rates will vary relative to the size and scope of a client’s business.
Payline Data also offers a mobile reader that works with their free mobile app for $43, and a swipe/dip/tap capable countertop terminal for $298. Accounts purchased through Payline Data will also have a direct integration with Quickbooks. The company also likely offers enterprise pricing and the company’s full array of technology for extremely large businesses.
Virtual Terminal and Payment Gateway Pricing
Payline Data also dedicated a portion of its website to advertising its virtual terminal and payment gateway, dubbed Payline Connect. According to the company’s online pricing schedule, the e-commerce portal charges interchange plus 0.3% plus $0.20 per transaction. A $10 per month payment gateway fee is also included which also covers the cost of PCI compliance. Payline Data offers these services to merchants on a month-to-month basis without any associated early termination fees. Payline Data offers an alternative payment gateway to high-risk merchants through either Network Merchants Inc. or Auhorize.Net. The company does not disclose the pricing schedule for these e-commerce portals.
No Annual or Early Termination Fees
Payline Data fees for their various plans involve a $25 monthly minimum fee, no annual fees, no PCI compliance fees, no gateway fees, no early termination fees, no long-term contracts, and lifetime equipment protection. In addition, high-risk merchant accounts will likely have customized pricing and contract terms based on the industry type and level of risk associated with the business.
One of the Cheapest Merchant Accounts
In general, Payline Data rates and terms are especially low-cost, transparently quoted, and more favorable than those offered by most of its competitors. Still, we always encourage readers to check out our list of the providers of the best merchant accounts.
Payline Data Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||Yes|
|Discloses All Important Terms||Yes|
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.
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