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Merchant Accounts 101

Confused with the rates and fees that show up on your statement?  How To Read Credit Card Processing Statement. Avoid Hidden Fees.


The most important thing to know about your rates is what they are comprised of.   Here is the short version.

“Interchange” rates are a percentage of the volume for each credit card transaction. (78% of total processing cost)

“Assessment” fees are a flat transaction fee added to each transaction.  Fees associated with Visa/MasterCard (4% of total processing cost)

“Processor Costs” are the fees that credit card processors charge for their services. (18% of total processing cost)

Interchange and Assessments are NON-NEGOTIABLE.   They are set by Visa MasterCard and the Issuing Banks (bank that issued card to customer) and are the same for every business no matter what processor/merchant account provider they choose to use.  Processor Costs are the only part of the cost which actually varies from provider to provider.  Payline Data is committed to educating our merchants so they can be empowered to make the right decision for their business needs.  Want to learn more? Check out the “Credit Card Processing 101″ section of our Frequently Asked Questions.  Ready to Get Started today?  Let one of our qualified and professionally trained business consultants give you a free statement review and quote.

Read Payline FAQ

Read Our Credit Card Processing 101

PCI Compliance made simple. What is PCI Compliance?

Payment Card Industry (PCI) Compliance rules are designed to ensure that credit card numbers are not kept by merchants in a form that is easy to steal.  To become compliant can be a complicated and expensive process, especially for online merchants.  Most business owners have no idea what they have to do to meet the PCI compliance requirements.
However, there is good news. Payline has created a PCI Compliance Guide to help you understand how to develop a strategy that will work for your business.

In fact, most smaller businesses do not even require an audit if numbers are not stored.  The easiest thing to do is pass the card info on to your gateway and let them store it. Most small to midsize businesses can achieve PCI compliance simply by filling out a self-assessment questionnaire-as long as they don’t store customer data.

The best way to achieve PCI compliance is simple: don’t store cardholder data.

Learn More about PCI Compliance

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Who is Payline Data?

Our passion is to increase awareness and raise money for Charitable Organizations.  We donate 10% of the revenue from each of our accounts to a NonProfit of our Merchant’s choosing.  As we grow we are continuing to expand our impact on charities world-wide.   Please visit PaylineGiving.org if you are a Non-Profit interested in participating in our revolutionary Payline Giving program.  Click below to find out more about Payline Data.
Read More About Payline Data

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Satisfied Customers

"Payline was able to significantly reduce my costs. My company saves over 40% each month on our credit card fees. We also have been able to integrate with Quick Books very easily and it is not any more work than it was before. Plus I actually get paid a lot faster now than I did with Intuit Quickbooks. I highly recommend that others look at what Payline Data is doing and give them a chance like I did. They won't regret it."

- John Shea, Jet Windows and Doors, Inc.