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We’re here to help.
Payline Data Services, LLC is your complete credit card processing solution for accepting payments online or on the go. We process credit cards for thousands of U.S. based merchants, big and small. Our payment facilitator (PayFac) allows platforms to create a frictionless experience for their clients.
Our PayFac allows software platforms the ability to let their users accept payments. The payment facilitator is responsible for accepting and disbursing payments to third parties. Payline Data is a registered payment facilitator, and we can work with larger platforms to become a PayFac.
Another common term in the industry for PayFac is payment aggregator.
We are only accepting software platforms (partners) that accept payments online or in their mobile app onto our payment facilitator at this time. If you need to create subscriptions or recurring billing, our PayFac is a solution for you as well.
Merchant clients of these platforms can sign up on the platform to accept credit cards immediately. We will be opening up our PayFac for individual merchants in the near future. Please email [email protected] to keep up to date.
International businesses that have a US based location and a US bank account can process payments on our PayFac. Currently, we only settle funds in US currency, but we will support settlements in Canadian and other currencies soon.
Yes, we accept international credit cards.
Pricing starts at 2.9% + $0.30 per transaction. For businesses that process over $80k per month, please email [email protected] about enterprise pricing.
There are no application fees, seasonal fees, nor hidden fees of any sort with Payline Data.
We also have reduced pricing for non-profits. Let us know if you are a registered 501(c)(3) by emailing [email protected].
You can start integrating to our API here. Feel free to hit the public API to see the sample responses.
We’ll reach out to you to get a dialogue started about how you plan to accept payments and gain just a little bit more information about your business before you can go live in our PayFac.
An experienced developer can complete basic integration to the API in less than half an hour. Integration times can vary depending on the complexity of the platform and experience level of the developer.
While logged into your dashboard, go to Settings > API Keys to find your username and secret to be used with the API.
Yes. Anyone that processes, transmits, or stores credit card data must comply with the Payment Card Industry Data Security Standards (PCI DSS). If you are found to be non-compliant, you will be in violation of our Terms of Service and can have your account suspended.
Partners and, in most cases, their sub-merchants will be required to fill out the self-assessment questionnaire (SAQ). Your SAQ will depend on which payment method you integrate with:
Using our iFrame method, all card data will be transmitted throguh the payment iFrame managed and hosted by Payline Data. If you accept payments using this method, you will be required to fill out the SAQ-A.
PCI compliance is free of charge with our payment iFrame. We provide PCI compliance through our partner, Aperia, if you accept payments using our tokenization.js.
You can easily transfer card data from your existing vault to ours by letting us know, and we will do all the heavy lifting. Transferring vault data requires that the parties involved be PCI Level 1 Certified.
Yes. Payline Data is a validated Level 1 PCI DSS Compliant Service Provider.
When you send the required information for underwriting to our API, you will receive an immediate response. The API triggers a KYC that will allow us to underwrite the sub-merchant, and they can start processing immediately after approval. Please refer to our Risk Policy for more details on what information is required from merchants to process at certain processing volumes.
Approvals are instant, unless more information is required to verify the principal or the business. The sub-merchant status will be returned via API.
If more information is needed, our Risk and Underwriting Representative will reach out to the partner, unless otherwise agreed upon. We want the platform to dictate the user experience. Therefore, Payline Data will remain in the background and work with you to resolve sub-merchant issues. If you decide that you want Payline to contact your clients directly, we can do that on your behalf.
Since you are working directly with Payline, you’ll get same day action and remediation.
Real-time status changes, transactional, settlement, and dispute data is all available via the API or webhooks. You can create a webhook for events that have occurred in our gateway. Just visit docs.payline.io for our sample payloads.
When signing up as a partner, you are provisioned a dashboard where you can retrieve your partner level API key and credentials, monitor transaction level data, and manage disputes.
*With our PayFac, you are able to sync data across all of your platforms. For example, if you have a point of sale, online store, and mobile reader, our processor agnostic platform will allow you to sync your data and manage it from our dashboard.
Funds settle to merchants 24 to 48 hours after the batch settlement. Transactions that occur before our cutoff will be settled to Payline Data and then disbursed the following day.
Payline Data collects fees when the transactions settle. Processing fees are net settled, meaning you will see, line by line, the fees deducted from each transaction.
Yes. Merchants are required to set up a bank account to be debited refunds, chargebacks, and reconciliation amounts from. Failure to allow an ACH withdrawal may result in funds being held until your balance has cleared.
Witholding of funds or reserves can be placed on merchant accounts for several reasons:
If a merchant account is held or a reserve is placed, you will receive notice from our Risk and Underwriting Team on how to resolve the issue and remove the hold or reserve.
Dispute events can be consumed via webhook. You can check on the status of your open disputes in the dashboard, and upload supporting evidence to Payline Data. Responding to a dispute has never been easier.
There is a chargeback (a customer disputes a charge) fee of $15 for each chargeback incident.
No. We do not close your account due to inactivity. If you only process payments seasonally, you can keep the same processing rates, and there are no penalties in between (i.e. no monthly fee).
All of Payline Data’s policies, including our Risk Policy, can be located here.
Payline Data Services LLC is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio, Member FDIC; Chesapeake Bank, Kilmarnock, VA; and Deutsche Bank AG, New York, NY.
Payline Data Services LLC is a registered Payment Services Provider (PSP) and Payment Facilitator (PayFac) of Fifth Third Bank, Cincinnati, Ohio, Member FDIC.