Payarc Review

flag No hidden fees with 0% markup
  • 10,000+ satisfied business customers

  • Eliminate fees with Zero Cost Processing

  • Support team available 24/7

  • PCI compliant web-based payment gateway

Pros & Cons

  • Highly secured and PCI compliant platform
  • Excellent user support
  • API and software integrations
  • Comprehensive reporting system
  • No pricing information on website
  • Limited features and functionality

Plans & Pricing

Due to its commitment to offering personalized plans, Payarc does not disclose its plans or pricing online. While that may be true, it also makes it hard to know in advance what your plan will include and how much it will cost.

Payarc offers three very competitively priced plan types: interchange-plus, flat rate, and cash discount.

Interchange-Plus Plan

Your monthly sales volume determines the price of a PAYARC Interchange-Plus plan.

The plans are as follows:

  • $0-$25,000: $69.00/month and 0% + 15¢ (in-person & online) per transaction.
  • $25,000-$50,000: $129/month and 0% + 10¢ (in-person & online) per transaction.
  • $50,000-$75,000: $199/month and 0% + 8¢ (in-person & online) per transaction
  • $100,000+: $250/month and 0% + 5¢ (in-person & online) per transaction

For businesses processing less than $25,000 per month, PAYARC’s pricing is very competitive compared to other processors.

Flat Rate Plan

Startups and small businesses that process less than $7,000 per month will benefit from Payarc’s Flat Rate plan. Flat Rate plans charge 2.49% + 30¢ (in-person) or 2.9% + 30¢ (online) per transaction, regardless of interchange rates.

Cash Discount

Also, Payarc offers Cash Discount plans, which allow you to give cash-paying customers a percentage off their purchases. Three plans are available:

  • Cash discount of 4%: No monthly fee
  • Cash discount of 3.5%: $99/month
  • Cash discount of 3.25%: $199/month

Your cash discount will effectively allow you to pass on your processing costs to your card-paying customers if you incorporate them into your base prices. It is also important to note that cash discount programs are only legal in certain states.

Flat Rate(in-person)
2.49% + 30¢
Flat Rate(online)
2.9% + 30¢
Cash Discount


Payarc is a payment processing solution provided by Payarc LLC. The company is an ISO of the Commercial Bank of California, Irvine, California, Evolve Bank and Trust, and Fresno First Bank, Fresno, California. It has its headquarters in Greenwich, Connecticut, and was founded in 2016 by Zachary Martinez and is currently presided over by Jared Ronski. This solution provides POS, online, and subscription-based billing payment processing for small and medium-scale businesses. It is a web-based solution that serves businesses like retail, restaurant, utility, health, and subscription-based service providers.


  • "Price"
    8 /10
  • "Features"
    9 /10
  • "Ease of USe"
    8.2 /10
  • "Help and Support"
    8.5 /10

Features and Functionality

POS Service

The Payarc POS service provides small business owners with flexibility regarding payment collection. To process your payments on this solution, you will need to use POS systems and terminals from companies like Pax and Dejavoo, and the device will depend on the nature of your business.

With the Payarc POS service, you can securely accept customer credit card payments at a rate that will be communicated to you when you reach out to Payarc customer support.

Online Payments

Payarc offers a highly-secured online payment processing system through which physical and online store owners can safely receive online payments from their customers. You can choose to key in your customers’ financial details, let them make wallet transfers to you, or have them check out on your ecommerce page.

Payarc also has a customizable payment gateway that gives you control over what happens whenever your customers make purchases and check out of your online store.

Analytics and Reporting

Payarc features a comprehensive analytic and reporting system that helps business owners stay on top of the day-to-day operations of their businesses. Right from the Payarc dashboard, you can access insights on your sales, profit, and customer purchase patterns. There are also charts, tables, and graphical representations to keep you in touch with the happenings in your business.

In addition to the comprehensive business insights available on the Payarc dashboard, you receive timely business reports on this platform. You can further schedule the reports as comprehensive business, individual product, or sales reports.

Billing and Invoicing

Payarc provides billing and invoicing tools to enable business owners conveniently receive payments from their customers. The billing and invoicing feature allows you to create invoices from hundreds of templates, send invoices to your customers as links embedded in emails, and receive your payments via your customers’ preferred method.

With this payment feature, you can charge your customers’ bills as one-time payments, recurring bills, or usage-based charges. You can also schedule each billing frequency and rate (based on your pricing tier). Payarc further allows you to factor in promotions, discounts, and free trial windows into your business’s billing system.

PCI Compliance and Security

Security is one of Payarc’s greatest selling points. This solution uses issuing bank information to detect a customer’s location and IP address. Consequently, business owners can actively block transactions from specific countries using the detected IP address. You can also limit the number and volume of transactions from a given customer or IP address. Finally, this service also uses tokens, CVV, and encryption to protect customer card details from theft.

Hardware Requirements

Pax A920

The Pax A920 terminal is a portable POS provided by Payarc to help customers process payments at any given time and location. It has a built-in thermal printer, a long-lasting battery, and an easy-to-grip design to help businesses run more smoothly.

Pax E800

The Pax E800 is ideal for restaurant and retail store owners. It comes with a 15.6-inch IPS touchscreen plus another 8-inch customer-facing touchscreen. This hardware works on a 4G network and Wi-Fi connections, synchronizes with other devices via Bluetooth and has a contactless payment feature.

Pax E500

The Pax E500 is a grease-proof POS terminal that allows business owners to accept payment under any circumstance. In addition, it has several connectivity ports, a built-in printer with an automatic cutter, and a 4.3-inch customer display.

Pax E700

The Pax E700 POS is ideal for business owners who want to make the most of their business space without compromising on the efficiency of their payment processes. This POS is compact and has a customer-facing display, built-in printer, light sensor, NFC contactless, and a high-speed processor.

Dejavoo Z8

This handheld POS device is most suitable for merchants who receive payments on the go. Talk about curb-side delivery systems, food trucks, or small retail stores. It also comes with a built-in printer and a customer-friendly design that allows customers privacy while inputting their card pins.

Dejavoo Z6

Like the Dejavoo Z8, Dejavoo Z6 is touchscreen-enabled and ideal for integration into a POS system.

Dejavoo Z1

Being a much simpler design than the Z8 and Z6 designs, Dejavoo Z1 comes in a minimalist design.

Integrations & Add-ons

Payarc integrates with various third-party applications to provide centralized payment processing services to business owners. These third-party applications include Paay, WooCommerce, Rectangle Health, Magento, Apple Pay, Google Pay, and Verifi. In addition, RS2, Ethoca, Fortellis, and Spreedly are some other applications users can use seamlessly with Payarc. Payarc also has a highly-secured API and SDK hub for developers. In addition, the API is free and can be utilized by business owners to streamline the payment processor to meet their unique business needs.

Ease of Use

Payarc is a web-based payment solution that can be accessed with the right device and internet access. To sign up to use Payarc, you will need to reach out to Payarc support, book a call, or fill out the solution’s web form. Afterward, a customer support agent will contact you to provide you with a quote and help you set up your merchant account.

Payarc has a relatively intuitive dashboard and navigation. Upon signing up, you can easily perform operations like creating and sending invoices right from the dashboard. In addition, you can customize the dashboard and other operations to meet your unique business needs. As you transact on this platform, you can easily access each transaction to effect necessary changes. And the fact that you can block and restrict specific transactions from specific locations makes this solution intuitive and user-friendly.

Final Word

If you are looking for a highly secured PCI-compliant payment solution for your business, then you may want to try Payarc. This solution may not have the robust merchant service features found in many other payment processing platforms. But you will never have to worry about the safety of your funds and customers’ financial details on Payarc.

This provider caters to the payment processing needs of virtually all kinds of businesses. Its recurring billing tools make it an ideal solution for utility providers and subscription-based service providers. This feature also makes Payarc a tiny bit different from a handful of other small business merchant service providers.

However, Payarc services are provided in plans (in-person, online, and billing and invoicing) that are based on a business’s preferred payment receipt method. Now, if each plan is priced separately, you’ll get to pay more if your business uses all three payment methods to accept customer payment.

So far, there hasn’t been a disturbing number of negative feedback on the functions of this solution. But there also hasn’t been a distinguishable number of positive reviews either.

Furthermore, there is basically no information about the cost of using this payment processing platform. Nothing on the plans. Nothing on the cost of purchasing and using their hardware. Very little information on the features of the solution. You will have to reach out to their customer support center to get all the information you may need before deciding on this software. You can also request a demo to know if Payarc is a good fit for your business or not.


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Murad Jaffery

Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.

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