# 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 Danilo S Back office administrator Banking, 2 - 10 employeesUsed the software for: Less than 6 months. “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.“ June 14, 2023 KP Kristine P Client Services Manager Financial Services, 51 - 200 employeesUsed the software for: More than 2 years. “The email threads can become somewhat confusing because the responses from the merchant cannot be seen within the threads.“ May 30, 2023 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 ## 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 gK greg K. sales Retail Used the software for: Less than 6 months ### "only used it once so far" December 12, 2023 5.0 I'm learning as I go, so it's good so far. Pros The fees allow me to keep my prices competitive Cons I work weekends and list $100 in sales because PAYARC doesn't provide knowledgeable support on weekends Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Higher fees. I like the idea of charging a reasonable price to customers and not having to factor in credit card fees on top of sales tax. 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 AA Albert A. Manager Automotive Used the software for: Less than 6 months ### "Excellent Support " September 22, 2023 5.0 Pros We had a great experience with \[sensitive content hidden\]. On the support line. Very pleased!! Cons Nothing so far. As we are new clients of PAYARC Alternatives considered [VirtualBox](https://www.capterra.com/p/169939/VirtualBox/) Reason for choosing Payarc Customer support with \[sensitive content hidden\] was excellent. 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 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 SL Shlame L. director Philanthropy Used the software for: 2+ years ### "Great product!" July 19, 2023 5.0 Pros easy and simple to use, great functionality Cons There have been multiple switches to new versions and that can be slightly irritating, but well worth the improved product. Review Source LD Levi D. Director Religious Institutions Used the software for: 2+ years ### "Happy" July 26, 2023 5.0 Pros I like how it integrates with website and CRM Cons I wish they had a mobile card scanner. Review Source CM Crystal M. Sales Manager Financial Services Used the software for: 2+ years ### "Excellent Service " May 1, 2023 5.0 Pros Extremely helpful, quick results, professional Cons Have no cons to list. Always available when I call, If they are all busy, I get a call back right away. Review Source LG Levi G. Director Religious Institutions Used the software for: 2+ years ### "Great" August 4, 2023 5.0 Pros Great service! we use Payarc with Chabadone pay and we love the low flat rate for all types of transactions, no hidden or monthly fees, and free refunds. Cons More user-friendly website layout with more info on the transactions Reason for choosing Payarc Upfront clear and consistent pricing Review Source MA Muhammad A. Manager Consumer Goods Used the software for: 1-2 years ### "Good Experiance" December 3, 2023 4.0 Pros Expedite Service and feedback is quick. Cons Staff sometimes is not knowledgeable and therefore have to contact me later. Review Source SG Samuel G. Director Non-Profit Organization Management Used the software for: 2+ years ### "Thank you for your service!" July 24, 2023 4.0 Pros Payarc gives great customer service and keeps the prices economically affordable! Cons Could be a better backend to record all the transactions. Review Source AR Allie R. Customer Success Wireless Used the software for: 1-2 years ### "PayArc Review" January 4, 2024 5.0 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 KP Kristine P. Client Services Manager Financial Services Used the software for: 2+ years ### "Amazing support staff" May 30, 2023 5.0 Pros The support staff is exceptional, consistently providing prompt and timely responses. Cons The email threads can become somewhat confusing because the responses from the merchant cannot be seen within the threads. Review Source EL Eli L. Excusive Director Non-Profit Organization Management Used the software for: 2+ years ### "Great Service " May 11, 2023 5.0 Pros As a merchant I was extremally impress with how the rep. was responsive and helpful. She did not sop until the issue was worked out! Truly a pleasure to work with. Review Source YCS Yosef Chaim S. Director Religious Institutions Used the software for: 2+ years ### "Great rates and service. Thank you " July 21, 2023 5.0 Pros Smooth experience. Fast processing. Good track record Cons Website not as intuitive and modern as could be Review Source RW Richard W. president Insurance Used the software for: Less than 6 months ### "Excellent Service" June 15, 2023 5.0 overall happy Pros Great customer service, ease of use and implentation Cons fees are high so far as compared to some previous processors Review Source IA Islande A. manager Accounting Used the software for: Less than 6 months ### "Worse payment payer" June 4, 2024 1.0 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 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 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 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 Similar Products Featured ## Related categories [Payment Processing](https://www.capterra.com/payment-processing-software/) ## 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.