Payline vs Stripe

Payline is a good credit card processor for most businesses. How does it compare to Stripe? 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 Stripe has 2.7% + $0.05 per swiped transaction and 2.9% + $0.30 per online transaction. There is no monthly fees and no contract. With customizable API, Stripe offers complete personalization of your online checkout experience.

Compare Payline with Stripe, side-by-side.

	Payline	Stripe

	Visit Site	Visit Site
		SPECIAL OFFER Online Payment Processing - 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	Online businesses; Customized checkout experience
Equipment	POS (EMV Chip & PIN, Magstripe, NFC/contactless), Mobile Payment Processing, Subscription Billing, ACH Payments, Online Processing	Online Processing, Terminal, Stripe for Marketplace & Platforms, Billing Services (subscription & invoicing)
Accept International Payments		135+ currencies
Customer Service	Phone, Email	Phone (by request), Email, Live Chat, IRC
Fraud Prevention Tools
Invoice Management
Pricing Model	Interchange-Plus	Flat rate (also offers customized pricing packages)
Recurring Billing
Swipe Rate	Interchange + 0.4% + $0.10	2.7% + $0.05
Online Rate	Interchange + 0.75% + $0.20	2.9% + $0.30
Keyed-in Transaction Fee	Interchange + 0.75% + $0.20	3.4% + 30¢
Deposit Time	Next business day	7-14 days after the first successful payment
Chargeback Fee	$25	$15
	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	Visit Site
		Online Payment Processing
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Online Payment Processing

Accept payments worldwide and automate payouts and financial workflows seamlessly
Grow with confidence: Whether you're running an e-commerce store, subscription service, or marketplace, Stripe adapts to any business model
Trusted by millions: From startups to Fortune 500 companies, Stripe powers businesses of every size
Predictable costs: Transparent flat-rate pricing with no setup fees or monthly charges – pay only for what you use
Enable more sales: Support credit cards, mobile wallets, and 135+ international payment methods
Developer-friendly tools: Integrate payments quickly with Stripe's intuitive APIs and documentation

Learn More

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Payline or Square.