# Payarc Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Payarc the right Payment Processing solution for you? Explore 63 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/10004650/Payarc/reviews --- Payarc 4.6 (63) [View alternatives](https://www.capterra.com/p/10004650/Payarc/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Payarc Ease of use 4.6 Customer Service 4.7 ## Pros and Cons in Reviews Sheryl A OwnerAccounting, Self-employedUsed the software for: More than 2 years. “Payarc has worked with us to get us next-day business funding, lowered our fees, communicates when chargebacks spike, and they have worked with us on our reserve.“ July 14, 2023 Timothy C VP of Business DevelopmentMarketing and Advertising, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ March 13, 2026 NR Norma R Office AdminReligious Institutions, 2 - 10 employeesUsed the software for: More than 2 years. “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.“ January 10, 2024 jh janelle h Partner Support SpecialistFinancial Services, 11 - 50 employeesUsed the software for: 1-2 years. “However, there are some days when it is hard to get in touch with a support person via email and over the phone so we are left a few days with no response/follow up“ January 4, 2024 Sheryl A OwnerAccounting, Self-employedUsed the software for: More than 2 years. “They want each one to succeed and they will do what they can to make processing with them not only seamless but also as enjoyable as possible.“ July 14, 2023 tm tamar m AdministratorNon-Profit Organization Management, 2 - 10 employeesUsed the software for: More than 2 years. “My vpn sometimes blocks it and then i cannot get in for a while“ November 24, 2023 Yossi B DirectorNon-Profit Organization Management, 2 - 10 employeesUsed the software for: More than 2 years. “I love that I get the full payment and the fees are deducted at the end of the month, makes accounting so much easier.“ August 6, 2023 Sheryl A OwnerAccounting, Self-employedUsed the software for: More than 2 years. “Also, I feel like the status on the disputes aren't very accurate either.“ July 14, 2023 ## Showing most helpful reviews Showing 1-25 of 63 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Josh B. Account manager Financial Services Used the software for: 1-2 years ### "Payarc review " November 28, 2023 5.0 Pros Ease of use and their customer support is unmatched Cons Nothing. I’ve never had an issue they couldn’t resolve. Review Source VR Verified Reviewer Owner Accounting Used the software for: 2+ years ### "10 out of 10 Reccomend" July 14, 2023 4.0 Payarc has worked with us to get us next-day business funding, lowered our fees, communicates when chargebacks spike, and they have worked with us on our reserve. I cannot say enough great things about this processor. Pros I love how Payarc really works with their merchants. They want each one to succeed and they will do what they can to make processing with them not only seamless but also as enjoyable as possible. They make wanting to switch to a different processor undesirable. Cons I would love if they updated their chargeback/dispute dashboard. It can get pretty messy in there and it makes it challenging to keep it all straight. For example, if a 2nd/pre-arb comes in, it's impossible to tell if we have the option to rebut or if the case closed. They are both displayed as an open 2nd. Also, I feel like the status on the disputes aren't very accurate either. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Payarc was better priced and more merchant friendly. Review Source Timothy C. VP of Business Development Marketing and Advertising Used the software for: 2+ years ### "BE CAREFUL dealing with PAYARC!" March 13, 2026 1.0 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 VR Verified Reviewer Director Non-Profit Organization Management Used the software for: 2+ years ### "Great payment processor" August 6, 2023 5.0 Great customer support and super fast response time. Pros I've been using Payarc for a while and love it. I love that I get the full payment and the fees are deducted at the end of the month, makes accounting so much easier. Cons None that I can think of I really love this product and its integration with our CRM. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Accounting was a huge pain with fees deducted from every donation. Review Source NR Norma R. Office Admin Religious Institutions Used the software for: 2+ years ### "User Friendly Interface" January 10, 2024 5.0 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 CB Calvin B. Owner Construction Used the software for: 6-12 months ### "They love to Lie to youn" May 15, 2024 1.0 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 JW Joseph W. Author and publisher Publishing Used the software for: 6-12 months ### "Dont Sign with PayArc there are much better providers out there." July 3, 2024 1.0 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 Danilo S. Back office administrator Banking Used the software for: Less than 6 months ### "Danilo Stojanovic Review" June 14, 2023 5.0 Loved it. We were exchanging a device for one of our merchants, and even though the process took a bit longer, the process was made bearable because of the great support you guys have. However, I am pretty sure that any other issue would be dealt in a similar manner so for that - ALL props to you! Pros As a partner, I worked on setting up one account with Payarc directly with your support and I was amazed. She was nice, very responsive and very knowledgeable. I was very pleasantly surprised as I worked with different support teams where they did not have one of these adjectives I used for \[sensitive content hidden\]. It was truly the easiest work I had so far. Cons Did not have much time to see negative sides of Payarc. So for now, nothing. Hopefully, it stays this way/ Reason for choosing Payarc The price and availability Review Source VR Verified Reviewer Sales Information Technology and Services Used the software for: 1-2 years ### "Great support" January 3, 2024 5.0 Pros The support team is amazing. \[sensitive content hidden\] responses to all of my requests in a timely manner. Cons The payarc software needs to be improved to have more features such as on screen signature. Payarc needs to create plugin that allows wordpress developers to create their own POS system that can be integrated with Payarc terminal easier. Review Source VR Verified Reviewer Director Non-Profit Organization Management Used the software for: 2+ years ### "Payarc" May 29, 2023 5.0 Pros Payarc's prices are incredible and they have very quick customer service! Cons They could improve their transaction notification receipts Review Source DB Darren B. vp Facilities Services Used the software for: Less than 6 months ### "Satisfied!" December 1, 2023 5.0 I call alot and they are very patient,and most of all very polite. Pros Ease and support,call center always there for me,but support always there for you Cons little hard at first,but they are always there for me! Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) cost,other comp would not seem to want to help you Review Source LP Levi P. Administrator Religious Institutions Used the software for: 2+ years ### "Great Product! Great Service!" July 19, 2023 5.0 Pros I love that its easy to use and very reliable. Cons Would be great to have a simple mobile app capable of POS processing. Review Source BF Brian F. Nutritional, naturopathic Alternative Medicine Used the software for: 1-2 years ### "PayArc has been very easy to contact, great customer service " May 22, 2023 5.0 PayArc is our card processor and so far processing is timely. Pros Everything was easy to set up and the few times I needed to contact them the customer service was easy to reach and very knowledgeable Cons So far I don’t have any issues or complaints with any aspect of PayArc Reason for choosing Payarc It was actually selected for us thru Merchant One for processing. Review Source MF Miguel F. Principal Financial Services Used the software for: 2+ years ### "Outstanding Customer Service" May 15, 2023 5.0 As an independent Agent in Payments I have 5 different processor partners and by far, PAYARC delivers Outstanding Agent support to me .... as well as outstanding support to my merchants. This enables me to take great cafe of my merchants which is paramount to me. Pros Responsiveness and timely communication.Genuine interest in helping me address issues and solve problems.Knowledgeable.US based Customer Service and Tech support. Cons They're busy and sometimes you have to leave a voice-mail .... however they do return the calls to get back to you. Review Source aF abi F. Manager Banking Used the software for: 2+ years ### "customer service" April 28, 2023 5.0 great Pros quick response and always on top of the issues Cons no complains, all the questions get answered in a timely manner Review Source AL Antwon L. Concierge Financial Services Used the software for: 6-12 months ### "Insight from a everyday user" December 6, 2023 5.0 Calm I haven't been frustrated with the system as of yet. Pros The system is user-friendly Cons N/a Review Source SLG Stefan Loyd G. Accountant Furniture Used the software for: 6-12 months ### "Great experience" January 10, 2024 5.0 Pros Their customer service is very responsive. Cons I would like to have more features for report generation like exporting to excel Review Source RR Rubi R. Partner Onboarding Specialist Financial Services Used the software for: 1-2 years ### "Satisfied with Payarc" April 28, 2023 5.0 Pros Their team is friendly, knowledgeable and are always willing to work with us. Cons I have not ran into any issues as of now. Review Source kM kristie M. ceo Accounting Used the software for: Less than 6 months ### "im the owner and ceo of the company" November 29, 2023 5.0 Pros there always available to assist. and i can contact them if im havng any complications Cons lol i wish i could receive next day funding but i havent been processing long enough Review Source RP Renee P. President/Owner Restaurants Used the software for: Less than 6 months ### "Communication and Support" May 22, 2023 5.0 So far it has been a great experience. Pros Great Customer service! Once you navigate to the right place, dashboard easy to use. Cons Dashboard to view account needs to be better explained. Review Source BD Brenda D. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "Customer/Merchant" May 24, 2023 5.0 I am a new merchant but so far I am thrilled with PayArc! The customer service has been amazing and the ease of setting my account up has been flawless as well! Pros Customer Service, Customer Service is everything to me and everyone I have spoken with has been friendly, patient and very knowledgeable! Cons Since I am a new merchant I really haven't had a chance to discover many flaws or things I dislike! Review Source lL louis L. Owner Apparel & Fashion Used the software for: 6-12 months ### "Why aren't you using Payarc ???" June 17, 2023 5.0 fantastic Pros Very affordable & consistent results. Very happy! Cons Not a single con. Very happy with the service 100% Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) horrible fraud prevention Review Source tM tamar M. Administrator Non-Profit Organization Management Used the software for: 2+ years ### "Excellent " November 24, 2023 5.0 very good any problems i have encountered solved Pros Ease of use and customer service that has always been excellent Cons My vpn sometimes blocks it and then i cannot get in for a while Review Source TC Tom C. CEO Apparel & Fashion Used the software for: 2+ years ### "Tom Chen's review" January 18, 2024 5.0 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 HS Hansel S. Relationship Manager Financial Services Used the software for: 2+ years ### "Amazing Support! " April 28, 2023 5.0 The experience was great, have been recommending a lot of CP merchant as the boarding process is pretty seamless. Pros The level of support at PayArc is great. There is always someone to pick up a call and willing to provide help when needed. Cons I would hope during the after hours that the support would be able to assist on more technical things when needed. There are times where I am told I would have to wait until the main office is open once again. Reason for choosing Payarc Level of support and functionality. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.