Payline Data is a payment gateway for online merchants, brick-and-mortal purchases, and mobile application purchases acquired by Pineapple Payments in late 2017.
$0.20
Per Transaction
Paytm
Score 8.0 out of 10
N/A
Paytm is a mobile payment processing app from Indian company One97 Communications.
N/A
Pricing
Payline Data
Paytm
Editions & Modules
Swiping In person
$0.20
Per Transaction
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Offerings
Pricing Offerings
Payline Data
Paytm
Free Trial
No
No
Free/Freemium Version
No
No
Premium Consulting/Integration Services
No
No
Entry-level Setup Fee
No setup fee
No setup fee
Additional Details
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More Pricing Information
Community Pulse
Payline Data
Paytm
Features
Payline Data
Paytm
Payment Gateways
Comparison of Payment Gateways features of Product A and Product B
Paytm is extremely well suited for lunch reimbursements and for paying road tolls. Paying road tolls is so easy using a Paytm money balance. loading money takes less than a minute. Lunch reimbursement amounts are directly transferred to Paytm wallet and these can be used in thousands of places. Paytm can improve its eCommerce portal and simplify the KYC process. Also, the app is a bit cluttered as of now. There is scope to make the app more modern and simple.
Payline Data has a great gateway and interface. Most credit card processors use a third party gateway to process payments. I liked that Payline had their own and therefore I didn't have to pay another company additional money. So this saves me money. To be honest it is a good tactical marketing advantage for them as well. If I need to log in and see transactions I log in to their site. The company that I used to work before used the third party, so I can't even remember their name as I rarely visited their site.
At first, their gateway interface was very blah. It did the trick, but it was so plain and frankly, it was ugly. They redesigned it several months ago and it looks a lot better now. Very easy to use as well.
Their API was very easy to set up. I did have a few questions about it and I was able to get very quick help.
They quickly set up my account. This was very important to me. I had tried to contact several credit card processors and had to wait for several of them to return my call. I immediately got a hold of Payline and they had the account set up quickly.
I only have one complaint and it is a very simple one and probably easy to fix. But I receive a daily email from them that has my automatic subscription charges that were done early that morning. It shows a summary of the charges and the declines. The declines show a detailed description of what transaction was declined. But the successful charges are not listed. I wish it would list the successful charges as well.
The only other thing I wish is, I wish they were free :). But of course, they need to make money. With that being said, I think they are cheaper than some of the ones I have used before. Especially since I use their gateway and don't pay additional gateway fees.
One of the not so convenient things on Paytm is that if there is a connection failure while making a payment, your money is not credited directly to your bank account but rather to the Paytm Wallet, and this money can only be used by the Paytm platform.
In Paytm, user verification requires a personal visit to their physical offices, this can generate a lot of discomfort among potential users since if we want to use a virtual service it is precisely to encourage time saving.
You should be very careful when making purchases through Paytm's direct store, since in many occasions there are products of lower quality than the one offered and even fake products, it is better to use it to make payments to third parties and in considered amounts.
Honestly, I don't remember the names of the other credit card processors I have used prior to Paypal and Payline Data. I have used other merchant account services that integrate with the Authorize.net gateway. But Paypal was by far the worst. It was overpriced and integration was a mess as they themselves on their own site had outdated information. I wasn't just using Paypal's regular business account but I also had their merchant account services. Which meant I could process credit cards without people even knowing I was using Paypal. Their merchant card services were very sloppy and the API was a mess to set up. But the worst part of Paypal was their professionalism. On the other hand, Payline Data was easy to set up, cheaper to use and great personal and professional customer service. I felt very well taken care of.
When I inquired about payment gateway I found lots of platforms but all have differences. When I compared with Razorpay I found that Razorpay takes fix 2% charges for all types of payments received on your account while Paytm takes max 2.5% charges for Prepaid card and 0 for UPI and Rupay cards. Razorpay takes 2 days to settle the amount in your account where Paytm settles the amount in your bank account next day by morning.
It decreased checkout time for the user which allowed us to increase user experience.
Rarely, I used to face issues with transactions. If order got cancelled refunding of money, settling them etc.,
Since Paytm has link with UPI and I am able to collect money from any UPI applications, using credit or debit card, and internet banking it acted as single stop solution for me. There is no need to have multiple payment gateway options.
