PayJunction vs. Payline: Which Payment Processing Technology Is Right for Your Business?
In this comparison, we'll take a look at two popular payment processing technologies, PayJunction and Payline, to help you decide which one is best for your business's needs. Both PayJunction and Payline offer similar services, but there are important differences to consider when making your choice.
PayJunction
PayJunction is a payment processing technology that prides itself on offering unique solutions to traditional payment processing problems. PayJunction's services include credit card and ACH processing, recurring billing, and online invoicing. One of the most attractive features of PayJunction is their ability to streamline business operations through advanced reporting and cloud-based software.
PayJunction charges a $25 monthly fee, which includes access to their online reporting software and unlimited free customer support. PayJunction's processing rates start at 0.75% + $0.07 per transaction for swiped transactions and 1.75% + $0.25 per transaction for key-entered transactions.
Payline
Payline is another popular payment processing technology that offers similar solutions to PayJunction. In addition to credit card and ACH processing, Payline offers mobile payments, point of sale systems, and online payment options. Payline prides itself on easy setup and user-friendly software that can be integrated into other business systems.
Payline charges no monthly fees, and their processing rates start at 0.2% + $0.10 per transaction for swiped transactions and 0.3% + $0.20 per transaction for key-entered transactions.
PayJunction vs. Payline: Side-by-Side Comparison
| Service | PayJunction | Payline |
|---|---|---|
| Monthly Fee | $25 | None |
| Processing Rates (Swiped) | 0.75% + $0.07 per transaction | 0.2% + $0.10 per transaction |
| Processing Rates (Key-Entered) | 1.75% + $0.25 per transaction | 0.3% + $0.20 per transaction |
| Mobile Payments | No | Yes |
| Online Invoicing | Yes | Yes |
| Point of Sale | No | Yes |
Who Wins?
At the end of the day, the choice between PayJunction and Payline comes down to what suits your business's needs best. PayJunction is ideal for businesses that put a premium on advanced reporting and cloud-based software, while Payline's ease of use makes it perfect for small businesses that don't have the resources to deal with more complicated software.
Ultimately, you'll need to examine the details of each service alongside your own preferences and requirements before making a decision. For a fair comparison, check the websites of both PayJunction and Payline to learn more about each systems' features and pricing.