Opayo by Elavon vs. Payline Data

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Opayo by Elavon
Score 9.9 out of 10
N/A
Opayo is the name for the former Sage Pay, an online payment and invoicing solution formerly from Sage, acquired by Elavon in 2019.
$27
per month
Payline Data
Score 10.0 out of 10
N/A
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
Pricing
Opayo by ElavonPayline Data
Editions & Modules
Flex
$27.00
per month
Plus
$45.00
per month
Swiping In person
$0.20
Per Transaction
Offerings
Pricing Offerings
Opayo by ElavonPayline Data
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details——
More Pricing Information
Best Alternatives
Opayo by ElavonPayline Data
Small Businesses
Square POS
Square POS
Score 9.1 out of 10
Apple Pay
Apple Pay
Score 9.0 out of 10
Medium-sized Companies
Epicor Eagle
Epicor Eagle
Score 8.3 out of 10
Apple Pay
Apple Pay
Score 9.0 out of 10
Enterprises

No answers on this topic

Adyen
Adyen
Score 8.8 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
Opayo by ElavonPayline Data
Likelihood to Recommend
9.0
(4 ratings)
10.0
(1 ratings)
User Testimonials
Opayo by ElavonPayline Data
Likelihood to Recommend
Elavon Inc.
This tool is most usable when used in parallel with Sage's accounting management software, as with other accounting systems it can generate errors, leaving room for other credit card payment processor alternatives to exist and be preferred by other potential users for their overall performance. It is promising the ability to develop transaction reports in summary or detailed form, resulting in a better management of income to then make the distribution of budgets in the company, thus achieving better planning and performance of our work. This service allows the processing of payments through touch screen card devices at POS points of sale without having to be sitting at your laptop, fortunately with face to face payments companies with fixed establishments can get their money faster, which constantly benefits the flow of money.
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Payline Data
For medium, to large companies, I have recommended Payline Data.
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Pros
Elavon Inc.
  • Simple. If you use a Sage accounting product the integration is seamless.
  • PCI compliant. PCI compliance is assured through the provided Trustwave audit.
  • Secure. Keeps all card numbers remotely, none stored locally where they could be exposed by a hack or dishonest employee.
  • Robust. API for integrating into multiple web platforms and extensive reporting capabilities through the secure web portal.
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Payline Data
  • 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.
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Cons
Elavon Inc.
  • When you are reversing a credit card it just deducts from your total batch for the day. Instead of showing a separate charge out of the account. That can cause confusion if someone else is doing your bank reconciliation.
  • It would be nice is Sage Pay could copy over client emails as well as the address and other information so that you can send that email confirmation of charge without having to go back to pull it up.
  • If Sage could post it as a total deposit instead of each individual charge for the day that would also save time with bank reconciliation.
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Payline Data
  • 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.
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Alternatives Considered
Elavon Inc.
It plays better with Sage 50. It has better associates should you have an issue. It's reasonably priced.
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Payline Data
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.
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Return on Investment
Elavon Inc.
  • By simplifying payment processing and automatically posting payments to their related transactions within our Sage accounting product, it has eliminated a source of friction between sales and accounting.
  • Eliminates clerical errors in recording paymens.
  • Eliminates one step in the payment reconciliation process by automatically posting payments to their respective transactions.
  • Insures PCI compliance with scheduled monitoring. No need for a separate product.
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Payline Data
  • They have been easy to get a hold of if I have a question
  • They seem less expensive than some of the other processors I have used.
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