--- title: "Payarc Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Payarc Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/10004650/Payarc/" page_type: "product" language: "en" --- # Payarc Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 15, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Payarc ## What is Payarc? PAYARC is an all-in-one payment processor that provides a personalized approach to merchant services and payment processing. PAYARC stands out from our competition through exceptional 24/7 customer support, reliable security measures, and seamless integrations. Businesses and their customers can expect fast and easy transactions, transparent pricing, and a user-friendly interface. Our customer reviews speak to our commitment to excellence and exceptional service. ## What is Payarc used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Recognitions Shortlist Top alternative Featured Overall rating Based on 63 user reviews Reviews sentiment Positive 92% Neutral 2% Negative 6% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... - Payment Processing / 2026 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Payarc?[Manage this product listing](https://www.g2.com/products/payarc/claim_requests/new?auto=true) Rating Breakdown 4.6 +− Features4.6 Value for Money4.6 Ease of Use4.6 Customer Service4.7 Rating Breakdown 4.6 Features4.6 Value for Money4.6 Ease of Use4.6 Customer Service4.7 ## Payarc Reviewers Verdict Updated September 2026 AI summary - Payarc is a fit for businesses needing payment processing with hands-on support and basic merchant services. - Users most consistently value its responsive customer support and helpful service team. - It helps businesses manage transactions and resolve payment issues with accessible assistance. - Reviewers note pain points like unclear pricing, occasional delays in support or payouts, and some usability concerns. - It suits companies seeking attentive support over advanced features, but buyers should weigh the fee structure and some limitations in ease of use. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Payarc 4.6 (63) VS. [4.7 (3,658)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting Price Contact vendor Starting Price $23.99 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (63) Ease Of Use 4.6 (26,641) Value For Money 4.6 (56) Value For Money 4.6 (20,480) Customer Service 4.7 (61) Customer Service 4.6 (20,738) ## Payarc alternatives [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/10004650/Payarc/alternatives/) ## FAQs about Payarc Overview ### What problems does Payarc solve? Payarc solves slow merchant onboarding, hard-to-reach payment support, and confusion during account setup and issue resolution. Its easy portal and responsive team help merchants, finance staff, and payment partners troubleshoot processing problems quickly, reduce downtime, and avoid delays when managing transactions, support tickets, and day-to-day payment operations. Answer based on 47 reviews Overview ### Which roles and teams benefit most from Payarc? Payarc is most used by business owners, executives, and operations leaders who need reliable payment processing, transaction visibility, and cash flow oversight. Finance and administrative teams use it to reconcile payments, manage back-office tasks, and reduce manual work, while customer-facing support and account teams help merchants resolve issues quickly. Answer based on 63 reviews Overview ### What company size and industries is Payarc built for? Payarc is built mainly for small businesses, which make up 98% of reviewers, with the strongest presence in Financial Services at 22%. It also serves midsize businesses at 2%, plus Religious Institutions at 11% and Non-Profit Organization Management at 10%, primarily for payment processing. Answer based on 63 reviews Features and Usability ### What are the key features of Payarc? Payarc includes core payment features such as debit and credit card processing, ACH payment processing, online payments, recurring billing, and payment gateway integration. Differentiators include transaction monitoring, chargeback alerts, next-day funding support, and an easy-to-navigate merchant portal with reporting, receipt management, and phone-based customer support. Answer based on 47 reviews Integrations ### Which third-party tools and platforms does Payarc integrate with? Payarc integrates with Authorize.Net. The integration list shown here is limited to that third-party platform, so Payarc’s connected ecosystem centers on payment processing compatibility with Authorize.Net. Answer based on 4 reviews Getting Started and Support ### How good is Payarc phone support? Payarc provides accessible phone support for many businesses, with quick call pickups, helpful guidance, and follow-up when issues come up. Merchants and partners often like being able to reach a real person, though some users report delays, voicemail wait times, or inconsistent resolution for more complex billing and account problems. Answer based on 17 reviews Getting Started and Support ### What training and onboarding options does Payarc offer? Payarc provides in person training, live online sessions, webinars, documentation, and videos. In person and live online formats support guided instruction, webinars cover scheduled group learning, documentation offers written reference material, and videos provide self-paced viewing for setup and feature review. Getting Started and Support ### What customer support options does Payarc offer, and how do users rate the experience? Payarc offers email/help desk, FAQ/forum, phone support, and a 24/7 live representative. Users often describe support as friendly, knowledgeable, and quick to respond, especially during setup and issue resolution. Some reviewers, however, report inconsistent follow-up, confusing email threads, slower responses, and limited technical help after hours or on weekends. Answer based on 47 reviews Features and Usability ### Is Payarc easy to use? Payarc feels easy to use for many merchants and partners, with a simple setup flow and straightforward payment processing. Small business teams often find the system easy to navigate, but some users report that the website, reports, and dispute dashboard can feel confusing and need a clearer interface. Answer based on 17 reviews ## Features AI summary Based on 17,640 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) Payarc includes **Data Security** and **Online Payments**, giving businesses a way to protect transaction data and accept payments through digital channels. However, it does not include **Mobile Access**. Instead, it offers other highly rated capabilities, including **Payment Fraud Prevention** (**56%**), **Debit/Credit Card Processing** (**52%**), and **Mobile Payments** (**49%**), helping businesses reduce risk, accept common payment types, and support payment collection in more situations. Data Security 4.7 (42) 40.48% of 42 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.6 (39) 43.59% of 39 reviewers that rated this feature as important or highly important Accept and process online payment transactions Payment Fraud Prevention 4.6 (37) 37.84% of 37 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Debit/Credit Card Processing 4.7 (40) 42.50% of 40 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Mobile Payments 4.6 (34) 38.24% of 34 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Real-Time Data 4.7 (21) 38.10% of 21 reviewers that rated this feature as important or highly important Receive data and information in real time Payarc 28 features ### All Features - Accounting Integration: Integrate with a third-party accounting system - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Customizable Branding: Add customized logos and colors to align with company branding - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Signature: Digitally sign online documents - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Payments: Clients can submit payments via mobile devices - Multi-Currency: Manage and handle various international currencies - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Accept and process online payment transactions - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Processing Fees: Fees associated with processing individual transactions that may be based on a percentage of the purchase or a flat rate. - Real-Time Data: Receive data and information in real time - Receipt Management: Upload, track, and submit receipts in a central database - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Search/Filter: Search and filter data across systems to locate required information by entering keywords or certain criteria - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities --- Get Advice We can help you find the software with the features you need. Features 4.6 (63) 4.6 Based on 63 reviews ## Pricing Value for money 4.6 (56) ### Starting price Free trial not available Value for money 4.6 (56) 4.6 Based on 56 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.7 (61) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.7 (61) 4.7 Based on 61 reviews ## User reviews Overall rating 4.6 Based on 63 reviews Filter by rating 5(53) 4(5) 3(1) 2(0) 1(4) Mentioned topic Sorted by most recent Timothy C. VP of Business Development Marketing and Advertising ### "BE CAREFUL dealing with PAYARC!" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 March 13, 2026 My overall experience with Payarc has been that of a miserable one. The customer service department is slow to take care of merchant issues, the technical support team seems to like the basic working knowledge of many of the technical details for most of its equipment offering, the account manager rarely has the answer and is slow to get back to me if he follows up at all, the risk department seem to misquote deposit dates after a merchant's funds have been diverted, underwriting's criteria seems to change with the wind, and the executive staff's word (in my opinion) should NEVER be trusted. These guys can talk a monkey out of his banana. Then you rarely, if ever, hear from them again. BE CAREFUL dealing with PAYARC! Pros In the beginning of the relationship they needed new agents to come aboard so they were very welcoming and signed an agreement they no longer honor. Cons They changed the residual split. In my opinion they were stealing from their ow n agent. Every time we reconciled the residual statements with the schedule A there were discrepancies. Payarc would bill merchants for services they did not sign up for so we had to continually call and have them removed. Starting in Oct/Nov 2025 they started invoicing merchant after the merchant terminated services. When the merchant refused to pay the invoice, Payarc would turn around and deduct those fees from the Agent residuals. The invoices were large amounts, often thousands of dollars. I found out that there is a prominent law firm in South Florida investigating Payarc for a class action lawsuit. Several of my merchants have been contacted so I spoke with the firm. They seem to have a substantial case for their clients. From what I can gather, it's been alleged that Payarc is adding monthly fees and services to the merchants accounts with the merchant's knowledge, without the agent/rep knowledge, and/or without proper notification on the merchant's statement. Apparently, according to the complaint being prepared, this has been going on for years. Also, I believe I understood it to read, Payarc questionable billing practices included inflating the interchange fees. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JW Joseph W. Author and publisher Publishing ### "Dont Sign with PayArc there are much better providers out there." 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 3.0 3.0 Customer Service 2.0 2.0 Likelihood to Recommend 0/10 July 3, 2024 The seemingly great offer of minimal fees and free processing unit hides a serious financial penalty that is significant. Pros Their service is adequate and provides the benefits offered Cons When carrying out the review of their service with the salesperson they omitted to mention that if for any reason you wish to stop the service before an initial three year period a termination fee of $500 is applicable. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. IA Islande A. manager Accounting ### "Worse payment payer" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 June 4, 2024 Do not conduct business with them, they are the worse payment payer company, their is no support available when need, they will charge you for service that was not rendered. Pros nothing at all, stay away from them at all cost Cons Everything, especially customer service and finance department Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. CB Calvin B. Owner Construction ### "They love to Lie to youn" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 May 15, 2024 Lied to bullshited told that when i first started with this company one this and almost every day having to call them and do there job for them witch i have my own business to run and now i have to run yours to hahahaha they are a joke Pros Not a damn thing this company is hot garbage and thats where they belong Cons Payments necer on time holds on money pushing Payments pay out and deposits days into a week or two Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) And im ready to go back to them at least they keep their fucking word Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TC Tom C. CEO Apparel & Fashion ### "Tom Chen's review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 January 18, 2024 Pros Customer Services are very friendly and effective all the time. Cons Overall fees seem a little bit to high compare with other companies. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. LS Laura S. Customer Success Financial Services ### "Great support team" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 10, 2024 All great experiences so far, the support team are always fantastic Pros The promptness of their responses and their supportive team Cons sometimes responses can be slightly slower Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. NR Norma R. Office Admin Religious Institutions ### "User Friendly Interface" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 10, 2024 Very positive. Thanks for using American agents! Pros I love using the v3 version as it is extremely user friendly and the reports are comprehensive with all the information I would need for accounting. Cons I loathe the v4 version as it is NOT user friendly nor is the interface user friendly. The reports are not easy to work with. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. SL Stefan Loyd G. Accountant Furniture ### "Great experience" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 January 10, 2024 Pros Their customer service is very responsive. Cons I would like to have more features for report generation like exporting to excel Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. OL Odean L. Owner Consumer Services ### "Great Service support" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 5, 2024 Pros What we like the most is their support team. Everyone is always willing to help and guide you through every step. We also like how simple and easy their system is to maneuver and their payment processer is top-notch Cons We have not had any issues with Payarc to have experienced a con. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. AR Allie R. Customer Success Wireless ### "PayArc Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 4, 2024 Pros Working with PayArc has always been a seamless process. They always do a great job following up. Cons There are no cons that I can think of. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. [View all Reviews](https://www.capterra.com/p/10004650/Payarc/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs Payarc](https://www.capterra.com/compare/207944-10004650/PayPal-vs-Payarc) [Venmo vs Payarc](https://www.capterra.com/compare/222572-10004650/Venmo--vs-Payarc)