In the rapidly evolving landscape of electronic payments and merchant services, businesses are in constant search of reliable and cost-effective solutions to manage their payment processing needs. Among the myriad of companies offering these services, Payline Data stands out as a notable contender. This review provides a comprehensive look into Payline Data, its offerings, strengths, and areas for improvement.


Established in 2011, Payline Data is a merchant services provider headquartered in Chicago, Illinois. The company offers a wide range of payment processing solutions, catering to both brick-and-mortar stores and e-commerce platforms. Their services encompass credit card processing, mobile payments, integrated payments, and point-of-sale (POS) systems.


  1. Transparent Pricing: One of the primary differentiators of Payline Data from many competitors is its transparent pricing model. They follow an interchange-plus pricing scheme, which means merchants are charged the interchange rate (set by credit card companies) plus a small markup by Payline. This structure is generally viewed as the most transparent and cost-effective in the industry.
  2. Varied Solutions: Whether you run a physical storefront or an online business, Payline Data has a solution tailored for you. Their services include in-store, mobile, online, and virtual terminal payment processing.
  3. Strong Customer Support: Payline Data boasts a highly responsive customer support team. They provide both email and phone support, ensuring that merchants receive timely assistance.
  4. Security Measures: With increasing concerns over data breaches and fraud, Payline Data prioritizes security. They are PCI compliant and offer tokenization and encryption services, thereby ensuring that sensitive customer data is protected.
  5. No Early Termination Fee: Unlike many providers, Payline Data doesn’t lock clients into lengthy contracts with hefty early termination fees. This flexibility can be a significant advantage for businesses that value agility.

Areas for Improvement

  1. Limited International Presence: While Payline Data serves a broad spectrum of businesses in the U.S., their global footprint is somewhat limited. This could be a drawback for companies looking to expand or operate on a global scale.
  2. Website Clarity: Some users have reported that Payline Data’s website can be challenging to navigate and lacks comprehensive information about all their services.

Customer Feedback

Most customer reviews regarding Payline Data are positive, emphasizing their transparent pricing, reliable customer service, and easy-to-use platforms. However, as with any company, there have been isolated incidents of billing issues or misunderstandings, which Payline Data’s support team usually addresses promptly.


Payline Data offers a solid and trustworthy solution for businesses seeking payment processing services. Their transparent pricing, combined with a wide range of offerings, makes them a competitive choice in the industry. While they have a few areas for improvement, the overall sentiment from the customer base remains largely positive. Businesses considering a partnership with Payline Data would do well to weigh their specific needs against the company’s strengths and weaknesses.