Payline vs PayPal

Payline is a good credit card processor for most businesses. How does it compare to PayPal? Read our comparison chart below.

Payline uses an Interchange-Plus pricing model. Swiped transactions are Interchange + 0.2% + $0.10 per transaction, plus a $10 monthly fee. There is no contract and your first month is free. Payline is also known to work with high-risk merchants.

While PayPal has a low flat-rate fee of 2.29% + $0.09 per swiped transaction. It has the ability to accept PayPal payments both in-person and on your website. There is no contract and no monthly fees for the basic plan.

Compare Payline with PayPal, side-by-side.

	Payline	PayPal

	Visit Site	Learn More
	Benefits and Features
Monthly Fee	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal	No monthly fees
Good For	Businesses processing $5,000 or more per month	Accepting Paypal payments; Small businesses with average transaction under $100
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	Card reader: $29 ($79 each for additional readers); Terminal: starts at $199; Printers and Accessories available for purchase
Accept International Payments		accepts payments in 140+ currencies and supports holding and managing 25+ currencies
Customer Service	Phone, Email	Phone, Email, Live Chat Support, PayPal Community
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange-Plus	Flat-rate and Interchange-plus
Recurring Billing
Swipe Rate	Interchange + 0.4% + $0.10	2.29% + $0.09
Online Rate	Interchange + 0.75% + $0.20	3.49% + $0.49
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	3.49% + $0.09 (through PayPal POS) 3.39% + $0.29 (through the virtual terminal)
Deposit Time	Next business day	Instant access to the funds in your PayPal account; Or instant deposit to your bank account for 1% fee or 1-2 business days for no fee
Chargeback Fee	$25	$20
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: User-friendly interface Transparent interchange-plus pricing model Cons: Monthly fee $25 monthly minimum processing requirement
Bottom Line	Good credit card processor for most businesses... Read full review
	Visit Site	Learn More
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Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Payline or Stripe.