Interchange + Pricing

Visa/MC/Discover/Amex Cost



$0.10 per transaction | $10 per month







$0.20 per transaction | $20 per month

Calculate Your Total Monthly Costs

Total Estimated Monthly Charges$

You’ve Got Questions. We’ve Got Answers.

  • What is the total cost for taking credit cards?

    Click the link to watch a quick video on our pricing or play with the payment calculator above to see pricing specific to your business.

    Watch Video >

  • How much for a mobile reader or countertop terminal?

    • $20 for a Mobile Reader
    • $70 for a Wireless reader
    • $150 for a Countertop terminal 

  • Do I have access to a virtual terminal to key in credit cards and send invoices?

    Yes, this is an additional $10 per month.

  • Does Payline have any hidden or undisclosed fees?

    No. There are three fees you want to be aware of that are detailed in the last section of the agreement.

    • We have a monthly minimum of $25.
    • If you lose a chargeback dispute we charge $25.
    • We charge $19.95 if you do not complete a PCI compliance survey within 90 days.

  • Is there a cancellation fee?

    No. There is no cancellation or early termination fee.

  • When are my funds available?

    We deposit funds into your account the next day.

  • Will my account integrate with Quickbooks?

    Yes, we have a direct integration with Quickbooks.

A fair and Square price comparison.

  • Monthly Fee
  • Annual Fee
  • Per Transaction Fee
  • Swiped Debit Card
  • Keyed Debit Card
  • Swiped Credit Card
  • Keyed Credit Card
  • Virtual Terminal
  • Cancellation Fee
  • Deposit Time

Payline Swipe

  • $10.00
  • $0.00
  • $0.10
  • 0.25%
  • 0.25%
  • 1.71%
  • 1.90%
  • $10.00
  • $0.00
  • 1-2 Days

Payline Keyed-In

  • $10.00
  • $0.00
  • $0.20
  • 0.35%
  • 0.35%
  • 1.81%
  • 2.00%
  • $10.00
  • $0.00
  • 1-2 Days


  • $0.00
  • $0.00
  • $0.00
  • 2.75%
  • 3.50%
  • 2.75%
  • 3.50%
  • $0.00
  • $0.00
  • 1-2 Days


  • $0.00
  • $0.00
  • $0.00
  • 2.70%
  • 3.50%
  • 2.70%
  • 3.50%
  • $0.00
  • $0.00
  • 3-5 Days


  • $20.00
  • $75.00
  • $0.10
  • 1.20%
  • 3.20%
  • 1.75%
  • 3.20%
  • $20.00
  • $250.00
  • 2-5+ Days

Fees are based on average rates as marketed by providers in the United States. These rates may vary from vendor to vendor. Not all fees are listed in the comparison. Deposit times are listed in business days.

Virtual Terminal Overview

Our virtual terminal is equipped with every feature your business needs. Key in credit cards, store customer data for future use, obtain monthly reports, and easily tackle any support issues that arise.

  • Invoicing
  • Hosted Payments Page
  • Billing Plans & Scheduled Payments
  • Shopping Cart Integrations
  • Quickbooks Integration
  • ACH Payments
  • Mobile App
  • Securely Stored Customer Data
  • In-depth Reporting
  • Emails Receipts, Void and Refund Capabilities
  • Unlimited Users
Man on Tablet in Kitchen with Windows in Background

Review Your Equipment Options

Payline strives to match the right processing equipment with the specific needs of your business.  From traditional countertop terminals to the most advanced mobile readers and virtual terminals, we’ll help you identify which option best fits your business type.

A credit card with the chip inserted into Payline's CloverGo device.


Clover® Go

Price: $70 + $11/month

Grow your business with an all-in-one reader for contactless, chip, and swipe card payments — including Apple Pay®, Samsung Pay™, and Android Pay™ — right from your smartphone or tablet. Designed with flexibility in mind and offering secure mobile acceptance, you get intuitive reporting with powerful insights to keep your business running smoothly.

  • Accept EMV, magstripe, and NFC/contactless transactions, like Apple Pay or Samsung Pay, in a single device
  • Email or text receipts to quickly to your customers
  • Suite of accessories designed to support mobile and in-store use cases
  • Set custom tip and tax rates
  • Mobile OS Supported: iOS 8.2 (BT LE required) and Android 4.3 (and higher)


Ingenico iCT220

Price: $150

The rugged, easy-to-use countertop device that gives merchants the freedom to accept electronic card payments with or without an interface with a cash register or point-of-sale system.

  • Embedded with Telium 2, a fully scalable, reliable operating system that provides the best platform for secure payment services.
  • Accept all electronic payment methods including EMV chip & PIN, magstripe and NFC/ contactless
  • PCI PTS 2.x and 3.x certified with SRED and Open protocol modules.
Rectangular Device Used To Process Credit Card

Credit Card Processing Solutions: Payline’s Interchange & Pricing Plans

Payline’s Interchange-Plus Pricing Plans

Interchange-plus pricing is the most transparent pricing model a processor can provide. With this model, the power is given to you, the customer, and provides you with a straightforward explanation of credit card processing fees.

The word “interchange” describes the rates that come directly from the card networks and every merchant pays interchange fees, which varies based on the type of card your customer is using.  The “plus” is what a credit card processor charges for their service. This appears on a statement as a very small percentage markup and a minimal transaction cost.

Credit Card Processors:
Everything You Need to Know

Learn everything you need to know about working with credit card processors with our comprehensive guide.

Learn More

Credit Card Payment Processing Without the Added Confusion

Understand the different types of credit card payment processing fees with our simple pricing breakdown.

Learn More

Transforming the Online Credit Card Processing Equation

The modern business ecosystem has changed online credit card processing for consumers and business owners.  Learn how integrated payments can help you bridge the gap.

Learn More

How to Choose the Right Credit Card Processing Company

There is a lot at stake when choosing the right credit card processing company to work with. Businesses must be savvy when selecting a partner, so we’ve put together a checklist to help.

Learn More

Overview of Desk with Colorful Flowers and Supplies


Working Capital To Grow Your Business

If you’re looking to expand your inventory, buy new equipment, grow or renovate your business, or just need to cover everyday operations, Payline Capital gives merchants an easy, fast, and flexible way to get the funding their business needs.  Our simple sign-up process and speedy approval times removes the hassle and headache of traditional loan processes and gets you the money you need to start growing today.

Learn More About Funding Your Business


Payline Medical

Payline Medical is payment processing exclusively for medical practices who want a simple and cost-effective way to accept a wide range of credit, debit and mobile payments.  Payline Medical includes custom pricing, a dedicated account representative, and a full range of payment acceptance options.

Learn More About Payline Medical 
Medical Doctor Listening To Patients Heartbeat

Credit Card Processing Solutions

Credit Card Processing Solutions

credit card processing

Mobile Processing

Process payments anywhere, anytime using the most advanced mobile card readers.

Learn More >

credit card processing

Retail Processing

Accept payments at your brick-and-mortar store with a swipe, dip, or tap.

Learn More >

credit card processing

Online Processing

Easily accept debit, credit, and electronic payments on your website with the Payline Gateway.

Learn More >

© 2019 Payline Data Services, LLC. All right reserved.
Terms of Service | Privacy Policy | Cardinal Digital Marketing

Payline Data Services LLC is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio, Member FDIC.
Payline Data Services, LLC is an ISO of Wells Fargo Bank N.A., Concord, CA