Payline vs Square

Payline is a good credit card processor for most businesses. How does it compare to Square? 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 Square has a low swipe fee of 2.6% + $0.15 per transaction. It has no monthly fees, no contract, and no chargeback fees. Square offers a free swipe reader, feature-rich POS app, free virtual terminal, and free online store.

Compare Payline with Square, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Payline	Square

	Visit Site	Visit Site
		SPECIAL OFFER Square Reader: Free Mobile Credit Card Reader - Learn More Read Square Review
	Benefits and Features
Monthly Fee	$10 per month for in-person processing $20 per month for online processing $10 per month for virtual terminal	Starts at $0/mo
Good For	Businesses processing $5,000 or more per month	Mobile & small businesses with average transaction over $100
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	Card reader: $0 to $59; Stand, Terminal, and Register available for purchase
Accept International Payments		USD payments only
Customer Service	Phone, Email	Phone, Email, Live Chat Support, Seller Community
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange-Plus	Flat rate
Recurring Billing
ACH Payments		1% ($1 minimum)
Swipe Rate	Interchange + 0.4% + $0.10	2.6% + $0.15
Online Rate	Interchange + 0.75% + $0.20	2.9% + $0.30
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	3.5% + $0.15
Deposit Time	Next business day	Payments before 5PM PT / 8 PM ET is available the next business day
Chargeback Fee	$25	None
	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	Pros: No monthly or annual fee Free swipe card reader Low, predictable fixed rates Cons: Flat-rate pricing can be expensive for larger businesses Costly add-on services
Bottom Line	Good credit card processor for most businesses... Read full review	Good credit card processor for low-volume businesses... Read full review
	Visit Site	Visit Site
		Square Reader: Free Mobile Credit Card Reader Square Contactless and Chip Card Reader Square Terminal
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Square Reader: Free Mobile Credit Card Reader

Pay 2.6% + 15¢ Per Swipe for Visa, Mastercard, Discover, and American Express
Accept Credit Cards Anywhere
Fast Setup, No Commitments

Get Free Reader

Square Contactless and Chip Card Reader

Pay 2.6% + 15¢ per tap or dip for Visa, Mastercard, Discover, and American Express
Accept Chip Cards and Contactless Payments Anywhere

Learn More

Square Terminal

Learn More

2.6% + 15¢ per tap, dip, or swipe
Fully integrated POS system with built-in receipt printer
5.5" display

Which is Better: Payline or Square?

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.

In short: Payline's customer service and high volume business are noteworthy. Square's equipment, ecommerce, and low volume business are noteworthy. In particular, the equipment and low volume business are impressive.

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