Review
In-Depth Analysis
4
Pros
- Transparent interchange-plus pricing.
- Month-to-month with no cancellation fee.
- High-risk friendly & 24/7 support.
- Feature-rich (ACH, virtual terminal, integrations).
Cons
- Separate plans needed for in-person vs online
- Monthly minimum and other fees
- Hardware costs not listed upfront
- Limited in-house POS features
Overview
Payline Data is a merchant services provider offering customized payment processing solutions for businesses of all sizes. Known for its transparent interchange-plus pricing and flexible contracts, Payline serves both low-risk and high-risk merchants across industries like retail, healthcare, nonprofits, and eCommerce.
The company supports in-person, online, and mobile payments, providing tools such as virtual terminals, payment gateways, recurring billing, and invoicing. Payline also integrates with major POS systems and shopping cart platforms, making it a versatile choice for multichannel businesses.
Payline stands out for its commitment to transparency, high approval rates, and charitable giving model, where a portion of revenue supports social causes. With dedicated support and adaptable pricing, it’s a reliable choice for merchants seeking both flexibility and value.
Stax History and Founder
Payline Data was founded in 2009 by Jeff Shea, who launched the company with a vision to make payment processing more transparent, flexible, and socially responsible. His goal was to challenge the industry’s reputation for hidden fees and inflexible contracts by offering interchange-plus pricing, honest service, and a commitment to giving back.
From its early days, Payline focused on small to mid-sized businesses, delivering simple, scalable payment solutions for both in-person and online transactions. As the company grew, it expanded its services to support high-risk industries, nonprofits, and specialized verticals like healthcare and education. Payline became known not just for pricing fairness, but also for its corporate social responsibility model—donating a portion of profits to causes aligned with community impact.
In 2017, Payline Data was acquired by Pineapple Payments, enhancing its platform capabilities and giving it access to broader resources and technology. Despite the acquisition, the brand has continued to uphold its core values of customer-first service, transparency, and innovation.
Today, Payline operates as a well-established player in the payments space, combining flexible pricing, strong tech integrations, and a mission-driven philosophy to serve modern merchants nationwide.
What Is Stax Best At?
Payline Data is best known for its transparent interchange-plus pricing model, which appeals to businesses seeking predictable, fair rates without hidden fees. Unlike many processors, Payline clearly breaks down costs and offers flexible, month-to-month contracts—making it especially attractive for small and mid-sized businesses.
In addition to pricing, Payline excels at delivering customized payment solutions for a wide range of industries, including healthcare, nonprofits, retail, and high-risk businesses. Its platform supports in-person, online, and mobile payments, with features like recurring billing, virtual terminals, and eCommerce integrations.
Payline also sets itself apart through its socially responsible business model. A portion of the company’s profits goes toward charitable initiatives, aligning with values-driven merchants. This blend of ethics, flexibility, and functionality makes Payline a trusted choice for businesses that want both performance and purpose in a payment processor.
Stax Products and Services
Payline Data offers a comprehensive suite of payment processing services tailored for both in-person and online transactions. Businesses can accept payments via retail terminals, mobile devices, virtual terminals, and payment gateways, all with PCI-compliant security and flexible setup. The company supports industries from retail and healthcare to nonprofits and high-risk merchants.
Key features include recurring billing, ACH and eCheck processing, invoice payments, and real-time reporting. Payline integrates with popular POS systems and eCommerce platforms like Shopify, WooCommerce, and Magento, making it ideal for businesses operating across multiple channels. Its developer-friendly API also allows for custom integration into proprietary platforms.
Payline distinguishes itself by combining scalable technology with flexible pricing. With interchange-plus models, no hidden fees, and no long-term contracts, the company provides cost control and freedom of choice. All services are backed by dedicated support, helping merchants manage transactions efficiently and ethically.
Card-less Transactions
Payline Data enables secure card-less transactions through its virtual terminal, payment gateway, and recurring billing tools. Merchants can manually enter payment details for phone, email, or online orders—ideal for service-based, remote, and subscription businesses. All card-not-present transactions are PCI-compliant and protected with fraud prevention features.
Customer Support
Payline Data provides dedicated customer support via phone, email, and an online knowledge base. Merchants receive hands-on assistance during onboarding and ongoing help from a responsive U.S.-based team. Known for its transparency and merchant-first approach, Payline focuses on delivering clear, helpful service without hidden agendas or pushy sales tactics.
24/7 Help & Support
24/7 Live Phone Support Online Ticketing System via Support Form
Phone Support
24/7 Live Phone Support
Contact through contact form on website available
FAQ and Chat
Live Web Chat Support Stax Knowledge Base for Business Owners, Software Platforms and Developers
Features & Functionality General Features
Payline Data offers a range of essential features including virtual terminals, mobile payments, ACH/eCheck processing, recurring billing, and invoicing. It also supports eCommerce integration, fraud protection tools, tokenization, and real-time reporting, making it a flexible solution for both low- and high-risk businesses.
24-Hours Funding
Payline Data offers next-day funding for most merchants, helping businesses maintain healthy cash flow. This fast deposit option ensures that payments are settled quickly, which is especially beneficial for small businesses and high-volume merchants.
Advance Funding
Payline Data does not directly offer merchant cash advances, but may refer businesses to trusted third-party funding providers when capital is needed. This approach ensures access to financing while maintaining Payline’s commitment to transparency and ethical service.
Built-In Payment Gateway for Online Transactions
Payline Data offers a built-in payment gateway that supports secure, real-time credit card and ACH transactions. It integrates with platforms like Shopify, WooCommerce, and Magento, and includes features such as tokenization, recurring billing, and fraud protection, making it ideal for online businesses.
Virtual Payment Processing
Payline Data provides a secure virtual terminal that allows merchants to enter credit card or ACH details manually for remote or phone-based transactions. This solution supports recurring billing, invoicing, and card-not-present payments, making it ideal for service-based or remote businesses that need a flexible, PCI-compliant processing option.
Features
- ACH Payment Processing
- Billing & Invoicing
- Cryptocurrency Processing
- Data Security
- Debit/Credit Card Processing
- Electronic Signature
- In-Person Payments
- Mobile Payments
- POS Integration
- Payment Fraud Prevention
- Payment Processing Services
- Integration
- Recurring Billing
- Reporting/Analytics
- Mobile Credit card processing
- Cash Transactions
- Contactless NFC
- Electronic Receipts
Hardware & Software
Payline Data offers a variety of EMV-compliant countertop terminals, mobile card readers, and POS system integrations to support in-person payments. On the software side, merchants gain access to virtual terminals, payment gateways, recurring billing tools, and real-time reporting, all designed to provide a seamless and secure payment experience across retail, mobile, and online environments.
Standard Terminals for Countertop Transactions
Payline Data provides secure countertop terminals that support EMV chip, magstripe, and contactless payments. These terminals are ideal for retail and service businesses needing a reliable, PCI-compliant in-person payment solution with quick setup and consistent performance.
Smart Payment Depot Terminals
Payline Data offers advanced smart terminals with features like touchscreens, wireless connectivity, and built-in receipt printers. These devices support EMV, NFC, and mobile wallets, making them ideal for modern businesses that want a sleek, all-in-one solution for faster, more flexible checkout experiences.
Mobile Hardware
Payline Data provides portable mobile card readers that connect to smartphones and tablets via Bluetooth. These devices accept EMV, magstripe, and contactless payments, making them ideal for mobile vendors, service professionals, and businesses on the go.
Features
- iOS
- Android
- Cloud-Based
- On-place Installation
- Windows
- Mac
Pricing Options Automations
Features
- Free Trial
- Freemium
- Monthly Subscription
- Annual Subscription
- One-Time License
Sales Channels
Features
- Instore Sales
- Online Sales
- Mobile Sales
Verdict
Payline Data is a solid choice for businesses seeking transparent pricing, flexible payment options, and strong customer support. With its interchange-plus model, wide range of hardware and software tools, and support for both low- and high-risk merchants, Payline offers reliable, scalable solutions. Its focus on ethical service and nonprofit support also makes it appealing to mission-driven organizations.
Payment Depot
Comparisons
VS
VS
VS
VS
