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Payarc Review
Payarc Review
November 10, 2022 / Danielle Greving
Payarc Review
November 10, 2022 / Danielle Greving
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Payarc is a credit card processing company based in Connecticut. It offers merchant services to small businesses in the form of Ecommerce processing, POS systems, and subscription billing services. It also provides a PCI-compliant payment gateway. Its merchant services are available to companies of all types and sizes, and it offers personalized credit card processing solutions for all its clients.


  • Offers 24/7 customer service via chat, email, or social media
  • Easy-to-use customer dashboard for managing your business
  • Extensive suite of POS systems to choose from


  • Application subject to background check and approval
  • Funding might be delayed for high-risk businesses
  • Pricing is not available upfront

Payarc in Brief

Per swipe fee: Payarc charges 0.05% plus $0.21 for all regulated transactions. These are categorized as transactions where the issuing bank has more than $10 billion in assets. There is also a fraud adjustment of $0.1 for higher-risk transactions. For unregulated transactions, the issuing bank needs to be worth less than $10 billion.

Unregulated transaction fees range depending on the debit network and the group your company falls into. Generally, you can expect to pay somewhere between 0.55% and 1.25% per swipe, and an additional fee between $0.06 and $0.25. Payarc also charges a switch fee ranging from $0.03 to $0.10 per transaction.

Setup fee: Payarc does not charge its customers any set-up fees.

Cancellation fee: Payarc does not charge any cancellation fees.

PCI compliance fee: Payarc does take steps to ensure that its clients are PCI compliant, and the company does not charge any PCI compliance fees. However, your company may be fined if it is not PCI compliant.

It’s important to know that Payarc customizes its pricing according to the needs of each business, so we recommend speaking with a sales representative to learn more about specific fees.

Best for: Payarc is an excellent option for any business looking for a customized credit card processing solution. All types of companies can take advantage of Payarc’s solutions. However, it’s particularly useful for restaurants, franchises, automotive, healthcare, and ticketing businesses.

Restaurants can take advantage of Payarc’s easy-to-use POS systems which offer free analytics to help you learn more about your business.

Franchise, automotive, and healthcare businesses will be happy to know that you can choose terminals that allow customers to pay with EMV chips, a magnetic stripe, or through contactless payment.

Payarc also processes payments for comedy clubs and other ticketing brokers all over the US. Payarc’s solutions are fantastic for all businesses, large or small, as the company will work with you to customize the right solution for your business needs.

Terminals: Payarc offers a range of easy-to-use terminals to its clients. Businesses can take advantage of contactless payments, where customers can pay quickly by tapping their contactless card or device on one of Payarc’s terminals.

The terminals also accept chip cards and can operate in offline mode should you ever experience a power outage. The company follows industry standards to ensure safe transactions. Both handheld and countertop terminals are available.

Some of the terminals available through Payarc include:

  • PAX A920: This touchscreen tablet is designed to handle any POS application.
  • PAX E800: This portable terminal comes with an HD screen and printer, a long-lasting battery, and dual cameras.
  • PAX E700: This elegant terminal serves as the perfect cash register. It comes with a 15-inch IPS touchscreen display and delivers lightning-fast performance.
  • PAX E500: This terminal has multiple peripheral ports, a large paper roll, and a grease-proof screen.
  • Dejavoo Z8: This is a compact mobile device that’s perfect for merchants on the go. It operates over a traditional phone line or Ethernet line for high-speed credit card processing.
  • Dejavoo Z6: Similar to the Dejavoo Z8, this compact mobile terminal comes with a touch screen.
  • Dejavoo Z1: This mobile terminal allows multiple transaction entry points and includes a comprehensive memory system for multi-app support.

Payarc also offers virtual terminals that allow you to key in transactions with customized features, such as tokenization, Level 2 and Level 3 processing, encryption, and automated invoicing.

POS Solutions

Payarc offers countertop and handheld POS solutions. Customers can take advantage of various third-party integrations that will help you streamline your business.

Merchant Services

In addition to terminals and POS solutions, Payarc offers quick funding. This means you can send same-day transactions to your linked bank account at the close of the day.

Each customer gets access to a dashboard, which provides in-depth reporting to help your company maximize profits and revenue. You can also create, customize, and send invoices through your customer dashboard.

Payarc can also help you to ensure on-time payments. You can schedule and send invoice reminders to customers leading up to the due date.


Payarc does not charge any monthly, sign-up, early cancellation, or PCI compliance fees. You can speak with a sales representative to set up a customized plan and learn more about pricing.

Applying and Contracts

Payarc offers its customers month-to-month contracting with no early termination fees. To apply, you can fill out a simple online form, providing your name, phone number, and email address. A customer service representative will get in touch with you to discuss pricing options.

What you will need to apply depends on the type of contract you sign. But, you should prepare to provide the following:

  • Driver's license or US government-issued ID 
  • Business license or DBA filing for sole proprietors 
  • Articles of Incorporation
  • 3 months of your most recent business bank statements (if the business is new and there is little/no activity in the business account , personal bank statements may be substituted on a case-by-case basis) 
  • 3 months of your most recent processing statements (if applicable)
  • Fulfillment agreement or inventory and facility photos (if applicable) 
  • Sample copies of customer agreements/contracts (if applicable) 

About Payarc

Payarc is headquartered in Connecticut and located at 411 West Putnam Avenue Suite 340, Greenwich, CT 06830, United States. The company was founded in 2016.

Customer Support

Payarc offers 24/7 customer support via phone, email, live chat, and social media.

You can send general inquiries to , or you can reach out to the company via Facebook, LinkedIn, or Instagram. You can also fill out Payarc’s online form, and a customer service representative will get in touch with you within minutes.


Payarc positions itself as a one-stop solution for merchants of all sizes. Unlike big payment processing companies, Payarc works with customers one-on-one, assessing business goals and objectives to offer customized credit card processing solutions.

It offers unique and easy-to-use terminals and POS systems that allow customers to pay with EMV chips, pin numbers, or magnetic stripes. Contactless payments and virtual terminals are also available.

Payarc offers many solutions to help businesses grow, including quick funding, in-depth reporting and analytics, automated invoicing, encryption, and more.

Get started now, visit Payarc
By Danielle Greving
Danielle is a tech and finance writer with experience in personal finance, cryptocurrency and numerous SaaS companies. Her bylines can be found on MoneyTips, CoinMarketCap, GraniteShares and An avid traveler and former ESL teacher, Danielle's writing blends a wealth of technical and financial knowledge with simple and straightforward explanations for everyday readers.
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