Payline – Services, pricing, comparisons and reviews

Last updated on 27 June 2023

Payline is a payment processing solution for businesses. The company offers a range of payment processing solutions, from mobile and online payments to in-store and integrated payment options, serving businesses of all sizes with a flexible, affordable and customer-centric approach.

Compare options for taking card payments
Video: Card readers and payment machines explained

Headline numbers

  • Over 10,000 businesses use Payline for their payment solutions.
  • Processes billions of dollars in transactions annually.
  • Supports all major credit and debit cards.
  • Offers next day funding to clients.

Payline fees and charges

Product namePayline Mobile
Contract lengthMonth-to-Month
Terminal cost£100 one-time cost
Consumer card fees2.6% + £0.10 per transaction
Business card fees2.9% + £0.20 per transaction
Card not present (CNP) fees2.9% + £0.20 per transaction
Minimum monthly charge£10
Refund fees£1 per refund
Chargebacks£15 per chargeback
Replacement reader£75
Receipt rolls£15 for a pack of 10
Paper billing (optional)£5 per month
PCI complianceIncluded at no extra cost
Early terminationNo termination fee
Payline fees and charges

Keep in mind these numbers are purely illustrative and the actual fees may vary. Always consult with Payline directly for the most accurate and up-to-date information.

Explore business banking

Wallester Business
✓ Virtual & Physical Cards
✓ No Setup Fees
✓ No Monthly Fees
Pricing Trial period Contact

Revolut Business
✓ Business Current Account
✓ Award-Winning Mobile App
✓ Quick & Easy Application Process
Pricing Trial period Contact

Tide Business Bank Accounts
✓ Free, Plus, or Pro Account
✓ iOS & Android Mobile App
✓ Upload & Auto-Match Receipts
Pricing Trial period Contact

Card One Money
✓ No Credit Checks
✓ Simple Fees
✓ Up to 3.5% Cashback
Pricing Trial period Contact

ANNA Money
✓ Apply in 10 minutes
✓ Bookkeeping & Payroll Tools
✓ User-Friendly Mobile App
Pricing Trial period Contact

Co-Op Business Banking
✓ Business Current Account
✓ Online, App & High Street Banking
✓ Quick & Easy Application Process
Pricing Trial period Contact

HSBC Business Banking
✓ Business Current Account
✓ In-Branch, Online & App Banking
✓ FSCS Protected
Pricing Trial period Contact

Metro Business Banking
✓ Business Current Account
✓ High Street Presence
✓ FSCS Protected
Pricing Trial period Contact

Mettle Business Banking
✓ Business Bank Account
✓ Online & App
✓ Quick & Easy Application Process
Pricing Trial period Contact

Monzo Business Banking
✓ Business Current Account
✓ Dedicated mobile app experience
✓ FSCS Protected
Pricing Trial period Contact

Virgin Money
✓ Business M Account
✓ In-Store, Online & App Banking
✓ Insights & Forecasting Platform
Pricing Trial period Contact

Company information

Founded (date, location)2013, Chicago, US
Phone number1-800-957-2487
FSCS protected?No
FCA regulated?No
Company information

Pros and cons of Payline


  • Transparent and affordable pricing.
  • Wide range of payment processing solutions.
  • Excellent customer service.
  • No cancellation fees.


  • Not available for high-risk industries.
  • Not FSCS protected or FCA regulated.

Payline products and services

Payline Mobile

This product offers a mobile payment solution that includes a mobile card reader and a mobile app. The pricing model is transparent, with a flat rate of 2.6% + 20p per transaction and no hidden fees.

Payline Online

This product allows businesses to process online payments. The pricing is similar to the mobile payment solution, with a flat rate of 2.6% + 30p per transaction.

Payline Connect

Payline Connect is a solution designed for eCommerce and card-not-present businesses. It offers features such as billing and invoicing, recurring billing, and a virtual terminal. Pricing for this solution starts at £20 per month, with a transaction fee of 2.6% + 20p.

Payline In-Store

Designed for brick-and-mortar businesses, Payline In-Store allows you to accept all types of payments at your physical location. This solution offers customised pricing, which depends on the needs and scale of your business.

Payline Giving

This unique product from Payline is a solution designed for non-profit organisations to make the process of receiving donations easier and more efficient. It offers customised pricing based on the size and needs of the organisation.

Payline Data

Payline Data is a comprehensive payment gateway and merchant account solution for high-risk businesses. It provides tools necessary to process payments and manage accounts effectively. Contact Payline directly for specific pricing information on this service.

Payline reviews

Google Reviews4.1/5
Average rating4.2/5
Payline reviews

Alternatives to Payline

Some popular alternatives to Payline include Square, Stripe, and PayPal. These companies offer similar payment processing services, with varying rates and features.

Additional considerations

While Payline provides an excellent payment processing service, it’s worth noting that they are not FSCS protected or FCA regulated, which might be a concern for some businesses. Also, Payline does not service high-risk industries.

Payline company history

Founded in 2013 in Chicago, Payline has grown to become a leading provider of payment processing solutions, dedicated to providing businesses with simple, affordable, and transparent services.


What types of payments does Payline accept?

Payline accepts all major credit and debit cards, along with ACH payments.

Is Payline secure?

Yes, Payline is secure and complies with all PCI DSS requirements.

Does Payline offer customer support?

Yes, Payline offers customer support through email, phone, and live chat.

What industries does Payline serve?

Payline serves most industries, but they do not offer services to high-risk industries.

What is the pricing for Payline’s services?

Payline offers transparent pricing, with a flat rate per transaction. Check the company’s website for more detailed pricing information.

Can I use Payline for international transactions?

Yes, Payline supports international transactions. However, foreign transaction fees may apply.

Does Payline offer a solution for non-profit organisations?

Yes, Payline offers Payline Giving, a solution designed specifically for non-profits to facilitate donations.

How quickly can I access funds processed through Payline?

Payline typically offers next-day funding for most transactions.

Does Payline provide a mobile app?

Yes, Payline provides a mobile app for convenient, on-the-go payment processing.

What are the transaction fees for Payline Mobile and Payline Online?

Payline Mobile charges a fee of 2.6% + 20p per transaction, while Payline Online charges 2.6% + 30p per transaction.

What is Payline Data?

Payline Data is a comprehensive payment solution designed specifically for high-risk businesses, providing tools for payment processing and account management.

Does Payline support recurring billing?

Yes, Payline Connect supports recurring billing, ideal for subscription-based businesses.

Can I process ACH (Automated Clearing House) payments with Payline?

Yes, Payline supports ACH payments, providing another way for customers to pay.

How can I contact Payline’s customer support?

You can reach Payline’s customer support via email, phone, or live chat.

Does Payline Connect come with a virtual terminal?

Yes, Payline Connect includes a virtual terminal for processing card-not-present transactions.

What types of businesses can benefit from Payline’s services?

Payline serves a wide variety of businesses, from retail and restaurants to professional services and nonprofits.

What types of cards can I accept with Payline?

You can accept all major credit and debit cards with Payline, including Visa, Mastercard, American Express, and Discover.

Are there any cancellation fees with Payline?

No, Payline does not charge any cancellation fees.

Is there any software or hardware needed to use Payline?

For Payline Mobile, you will need a mobile card reader and the mobile app. For Payline In-Store, you would need appropriate hardware such as a card terminal. Payline Online and Payline Connect require no additional hardware but may need integration with your website or software.

Is Payline PCI compliant?

Yes, Payline meets all the requirements for PCI DSS compliance, helping to ensure the security of your customers’ payment data.

Compare ⓘ

Reviewed by , Managing Director


Business Financed provides general information, but not financial advice. Always speak to a qualified expert to get personalised advice for your business.

Advertising disclosure

We may be paid a commission by our FCA-regulated partners when you click on the links in our articles. This does not affect our independent journalism.

Learn more

You can learn more about how this website operates by clicking here.