Our Top Pick!

Payarc Review

Payarc’s refreshingly low transaction fees, five-star customer support, personalized approach, guided onboarding process, and all-in-one payment management solution make it our top recommendation for most businesses.



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Pros & Cons


  • Exceptional customer service
  • Personalized pricing
  • Notably low transaction fees
  • All-in-one payment processing
  • Supports recurring, usage-based, and tiered payments
  • Built-in analytics dashboard


  • Have to reach out for a quote
  • Knowledge base could use some refining
  • No built-in shopping cart

Payarc Overview

Payarc was founded in 2016, but it’s already made waves in the industry, winning award after award for its top-tier all-in-one payment platform. And with over 10,000 satisfied merchants and an impressive $3 billion processed annually, the company’s certainly earned its place in the market.

With Payarc as your merchant services partner, you’ll benefit from customized solutions designed around your business. This tailored approach ensures you pay only for the features you need—no bloated packages or surprise fees, either.

Paired with Payarc’s team of experts supporting you every step of the way, you get the white-glove experience your business deserves.

For payment processing you can count on combined with personalized service, notably low transaction fees, and an unmatched commitment to compliance, security and social responsibility—Payarc is our top recommendation.

Payarc Plans and Pricing

Payarc offers flexible pricing structures to meet your needs, whether you’re a small shop or a thriving enterprise. The company offers two different pricing structures—interchange plus pricing or flat rate pricing.

With interchange plus, you’ll pay the standard interchange fee charged by the card networks, plus a small markup to Payarc. The markup rate is negotiated based on your monthly processing volume. However, it’ll be significantly lower than the transaction fees you’ll pay elsewhere (or with the flat-rate pricing model).

With that said, there is a monthly fee ranging from around $70 to $250 per month.

Alternatively, flat rate pricing means paying the same pre-set amount per transaction, regardless of card type. You’ll get a separate rate for online sales and in-person sales, with in-person sales incurring lower fees. While the flat fee for both is significantly higher than interchange rates, you don’t have to pay a monthly fee.

This structure is usually more cost-effective for smaller or newer businesses just getting started.

Regardless of which pricing model you choose, Payarc is lauded for having some of the lowest rates around. You also won’t get hit with unexpected fees — no PCI compliance, early termination fees, or other hidden surprises.

Plus, its support team will help you choose the right option for your sales volume and average transaction size so you don’t have to worry about figuring out which is best on your own.

Payment Options

With Payarc, you get all the tools you need to accept payments however your customers want to pay. From online payments to in-person sales and invoicing, you get all the tools and features you need to meet your customers where they are.

Regardless of where you accept payments, you can:

  • Set up recurring subscriptions
  • Charge usage-based pricing
  • Create a tiered pricing system
  • Offer promotional discounts, coupons, and trials
  • Manage and issue invoices in a few clicks

On top of that, you also get everything you need to accept in-person payments with hardware for any setting. Payarc’s all-in-one POS systems work well for retail stores, restaurants, and healthcare settings whereas smaller hand-held or virtual terminals work well for markets, events, or those who already have a POS system in place.

You can choose from a wide range of hardware that supports contactless pay, chip readers, offline payments, and more.

Plus, Payarc supports all major cards and mobile wallets like Apple Pay and Google Pay, too.

Once you’ve accepted payments, money hits your bank account as soon as the next day. You can also opt for same-day transfers if you want access to your funds when you close for the evening.

Payarc homepage

Ecommerce Functionality

Payarc offers a robust set of tools to help you sell online.

At the core is a full API and SDK with extensive documentation. This allows you to seamlessly integrate Payarc with your existing online store, whether you built it yourself or use a popular ecommerce platform like Shopify or BigCommerce.

With the API, you can customize and control the entire payment process, accepting payments in just the way you want. Even if you’re not a programmer, the documentation is clear enough that you can figure out how to get Payarc working for your business.

Payarc also partners with WooCommerce and Magento to make the integration process with the two ecommerce platforms as seamless as possible.

If you regularly deal with invoices, you’ll appreciate the built-in invoicing features. With just a few clicks you can put together a professional invoice, preview it, and email it directly to a client. The system tracks the status of all your invoices so you can easily see which ones are paid, overdue, or still pending. Handy features like scheduled reminders and the ability to automate recurring invoices save you time on administrative tasks.

Your customers will also appreciate the ability to securely save their payment information for faster checkout in the future.

Payarc has your back when it comes to chargebacks too. The system provides data and tools to help you prevent chargebacks before they happen. If a chargeback does occur, Payarc is there to help you investigate and fight illegitimate disputes.

Lastly, all plans include robust digital security features such as blocking specific countries or IP addresses, tokenizing sensitive data, limiting payment attempts, address verification, security code verification, and full data encryption.

The one thing Payarc doesn’t offer is a built-in shopping cart. It integrates with an existing online store rather than replacing it. So Payarc works best for businesses who already have a store and want to optimize the payment process or lower their transaction fees.

A list of ways Payarc provides tools to help you get paid fast

Customer Support

You deserve payment processing and merchant services with exceptional support, and that’s exactly what Payarc provides.

Its customer service is available around the clock through phone, live chat, email, and social — truly 24/7 assistance. Even late at night or on weekends, Payarc’s phone support in particular is incredibly responsive, helpful, and knowledgeable.

Whether you have a technical issue, general question, want to learn more about your hardware, or need help setting things up correctly, Payarc’s agents are ready and eager to help.

They handle every issue with urgency, so you never have to figure anything out on your own.

While its knowledge base could be more robust, Payarc more than makes up for it with top-notch personalized service that is among the industry’s best. Issues are resolved quickly by empowered agents who take ownership of your needs.


With Payarc, you get a full analytics dashboard out of the box, rather than needing to rely on a third-party system or a clunky integration.

With the interactive dashboard, you can clearly see all the metrics that matter—no guessing or Excel sheets required. You’ll get immediate insights into things like:

  • Gross sales
  • Refunds, chargebacks, and disputes
  • Growth (or decline) over a specified time period
  • Revenue from one-time sales versus recurring subscriptions
  • Transactions by credit card type

The dashboard updates in real-time, so you always have an accurate view of the health and trajectory of your business. Rather than waiting until month-end for a report, just log into Payarc anytime.

You can even set up custom reports and share them with stakeholders, investors, or your team.

Built-in analytics remove the hassle of trying to stitch together data from various sources—everything you need is integrated into one intuitive, visual dashboard.

Examples of Payarc analytics

Ease of Use

Getting started with Payarc is refreshingly simple and hassle-free from start to finish.

Because the pricing structure is personalized based on your transaction volumes and business needs, you’ll need to contact them to get a customized quote and begin the process. But rest assured, it doesn’t take long to hear back. Within just a few days, you’ll be fully onboarded and equipped to start processing payments however you’d like.

All you need to do is provide your name, email, and phone number to get the ball rolling.

Once you gain access to the platform, everything is neatly organized and straightforward to use right out of the gate. The all-in-one solution means minimal customization is required on your end to get up and running—unless you want to tailor things further or integrate it directly into an existing online store.

With Payarc’s intuitive interface and stellar onboarding support, you’ll be processing payments for your business in no time. An easy sign-up process, coupled with responsive and personalized service, makes getting started and using the platform a breeze.

Final Thoughts


Personalized Merchant Services

  • 10,000+ satisfied merchants
  • Remarkably low transaction fees
  • Hands-on, proactive support

Whether you’re already processing payments and want lower rates or haven’t ever processed a payment before, Payarc’s strikingly strong customer support, tailored approach, and all-in-one solution is a reputable and affordable merchant services partner for your business.

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