Payline Review

June 12, 2022

Payline is a reputable company offering payment processing solutions for retail and e-commerce businesses. It is a subsidiary of Pineapple Payments, a company specializing in fintech solutions. This partnership gives Payline an advantage in offering superior technology, competitive pricing, and flexible solutions.

Below is an overview of merchant services offered by Payline:

  • High-risk merchant accounts
  • Payment gateway and virtual terminals
  • Payment processing for credit cards, debit cards, and e-checks
  • E-commerce integration with shopping carts
  • Chargeback mitigation
  • Fraud prevention

Payline Merchant Services

High-Risk Merchant Accounts

Payline serves all types of businesses including those from high-risk industries. Payline provides them with a high-risk merchant account. This way, merchants can process payments with ease and safety. High-risk merchants will also have access to a dedicated support team to help them with onboarding and account maintenance.


Payment Gateway

Payline provides merchants with payment gateway integrations like Network Merchants Inc. (NMI),, CardPointe, and many more. The payment system also comes with tools to create special payment schemes. These schemes enable features like invoicing and recurring billing.

Payment Processing

The payment gateway allows merchants to process payments from major credit card companies like Visa, MasterCard, Discover, and American Express. They can accept ACH payments as well. For businesses that interact with customers via phone, snail mail, or email, payment processing is done through a virtual terminal.

The payment gateway also comes with an online dashboard. This dashboard allows them to view transactions, generate reports, and store customer data.

The company guarantees low processing fees with the help of its partnerships with over 20 banks.

E-commerce Integrations

For e-commerce businesses, their payment gateway is compatible with over 175 shopping cart platforms. This includes major providers like Shopify, WooCommerce, BigCommerce, and Magneto. Merchants also have an option to integrate through easy-to-use API documents.

Fraud Prevention

Payline provides full-featured security measures to prevent fraud such as CVV verification, AVS verification, and Verifi. Merchants will also have access to specific security filters to spot suspicious transactions.


Chargeback Mitigation

Payline’s payment systems include a chargeback prevention suite. It improves the process of chargeback representment. This also protects merchants from false disputes and lost revenue. This automated system will monitor merchant accounts in real-time, allowing businesses to respond to chargeback claims.


Payline Fees, Rates, and Pricing

Processing Fees

Payline’s processing fees follow an interchange-plus pricing structure. As a come-on, Payline offers an enticing deal for new merchants. They will be able to enjoy two months of free transaction fees.

Below are the company’s credit card processing fees as seen on its website.

  • Online payment processing: Interchange rate, plus 0.4%, plus $0.20 per transaction
  • In-Person payment processing: Interchange rate, plus 0.2%, plus $0.10 per transaction


Additional Fees

  • Online payment processing: $20 fixed monthly fee
  • In-Person payment processing: $10 fixed monthly fee

Hidden Charges

As mentioned on the company’s website, the interchange-plus structure assures merchants of transparent pricing and no hidden costs. However, the disadvantage is its fluctuating expenses per month. The website’s pricing calculator helps merchants get a more accurate gauge of their monthly fees.


Payline Complaints

While Payline generally has positive ratings across review sites, several testimonials complain about the company. Additionally, we have found five complaints on the website. Most of these complaints were filed between 2014 to 2015.


It is worth noting that some complaints were initially due to the merchants’ lapses, which were not properly addressed by the company. It is unclear whether they have been settled by the company.

Below is a summary of issues encountered:

Rip Off Reports

According to these reports, the company withheld money from merchants without a clear or flexible resolution. Allegedly, the company also charges above the agreed rates and fines.

Other Complaints

Customers have complained that the company has an unresponsive and unreliable customer service team. Customers have also reported misunderstandings with the underwriting process. These reviews say that the company has unclear requirements or conditions. In some cases, the company also allegedly closed merchant accounts without explanation.


Payline BBB Rating

Payline Data Services has been an accredited company by the BBB since 2014. It currently has an A+ rating.

BBB Reviews

The company does not have any customer reviews on its BBB profile page. However, it has four customer complaints, which we listed above.


Is Payline Legitimate?

Payline is a legitimate company established in 2009 by Jeff Shea. As mentioned, its parent company, Pineapple Payments,  is another well-known company in the finance industry.  In that regard, it is safe to assume that Payline is a trusted and professional company.

Furthermore, the company boasts an impressive list of clients from small startups to Fortune 500 enterprises. This includes Ace Hardware, Payzer, rSchoolToday, Occasion, and Boonlie among many others. Its client list can also be seen on the company’s website.


While Payline has received complaints from some merchants, there seem to be no official reports of scams.


Likewise, the complaints did not seem to escalate into official lawsuits.


Customer Reviews

Based on online review sites, Payline seems to have a good reputation. It holds a 4.3-star rating based on 53 Google reviews. Additionally, an independent review site gave it a 91% approval rate. Its Facebook page has more than 300 reviews with an average rating of 3.2 out of 5 stars.


In summary, merchants praise the company for its sophisticated payment solutions and helpful sales team. Several testimonials mention the company’s positive impact on its businesses. According to these testimonials, the company helped them enjoy cost-effective processing fees.



Overall, Payline seems to be a knowledgeable company in payment processing services. This is evident in its wide variety of solutions for all types and sizes of businesses

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