PayArc Review

July 7, 2022

The main goal of PayArc is to streamline payment processes so businesses can do more with their products and services. The company promises that its solutions are client-centered. This means the systems and methods aim to ensure the protection of the merchants and their clients. It has a technology-driven platform that will empower companies to make smarter decisions, scale their businesses, and optimize their organizations’ processes.

PayArc divides its payment solutions into four categories: in-person, online, billing and invoicing, and hardware. No matter what your business needs, trust that PayArc has that covered. It has also partnered with several acquiring banks to make its offers more palatable to your business needs.

image of payarc logo


Here are the other services that it offers:

  • Subscription
  • Virtual terminals
  • Chargeback prevention
  • Fraud prevention

  • Invoices
  • Dashboard and analytics
  • 24/7 customer service
  • Quick funding

PayArc is partnered with PAAY, Rectangle Health, RS2, TSYS, Verifi, WooCommerce, Apple Pay, Ethoca, Chargezoom, Magento, G Pay, Fortellis, and Spreedly.


PayArc Merchant Services

Credit Card Payment Processing

PayArc can process card payments from Visa, Mastercard, and Discover. It has different transaction fees for these three cards. Being able to accept credit card payments should be one of the goals of every business.

image of payarc credit card payment processing


High-risk Payment Processing

Though PayArc does not publicize itself as a high-risk payment processor, it covers industries such as automotive, health, ticketing, non-profit organizations, and franchises, among others. The company can help these industries get approved for the right merchant accounts and payment methods.

Virtual Terminals

No business can survive without being able to accept payments online and over the phone. This is what PayArc can offer. It has physical and virtual terminals and payment gateways to process these kinds of payments.

Equipment Lease

PayArc also offers equipment for lease. Merchants can choose from different brands of card processing terminals. These can be fully integrated into existing shopping carts and point-of-sale (POS) systems.

image of payarc equipment lease

PayArc Fees, Rates & Pricing

Processing Fees

PayArc has different processing fees for Visa, Mastercard, and Discover cards. For Visa, fees to expect include:

  • 0.14 percent of credit card volume and $0.0195 per transaction
  • $0.20 per transaction fee – zero floor limit fee
  • $0.0018 per transaction fee – Base II system file fee

For Mastercard, the fees are as follows:

  • 15 cents per $100 sale
  • 0.1475 percent of card volume and $0.0195 per transaction for sales over $1,000
  • 0.01 percent of volume – digital enablement fee
  • 0.60 percent international surcharge

  • $15 – annual location fee
  • $0.005 per transaction fee – address verification services in a card-not-present environment
  • $0.045 per transaction fee for pre-authorization
  • $0.045 per transaction fee for undefined authorizations

Additional Fees

PayArc has a comprehensive rundown of its fees and pricing scheme. The chart is published on the website.

Hidden Charges

It doesn’t look like PayArc has hidden charges since it is very transparent with its fees and costs.

image of payarc has no hidden fees

PayArc Complaints

There are no complaints about Axcess Merchant Services.

Rip Off Reports

There are also no rip-off reports about PayArc.

Other Complaints

There are no other complaints about PayArc.


PayArc BBB Rating

PayArc is not listed on the Better Business Bureau (BBB) website. It is not accredited or rated by the bureau.

BBB Reviews

Since PayArc is not on the BBB site and nor is it accredited or rated, there are no reviews about the company.


Is PayArc Legitimate?

PayArc is a legitimate business with an official website and presence on social media and business networking sites. It has a Facebook page with more than 670 followers and an Instagram page with more than 180 followers.

ScamAdviser gave it a good trust score of 100/100, so users can browse the site safely. The positive highlights are as follows:

  • The website has been around for years.
  • The SSL certificate is valid.
  • There is advanced software.
  • The site sells products online.
  • The website has a money-back guarantee.

There are some negative highlights about the site. These are:

  • The website’s owner is hiding using a paid service.
  • There are some negative reviews about the website.
  • The website is not optimized for search engines.


There are no scam reports about PayArc. Since ScamAdviser gave it a good trust score, it’s safe to browse the website.


There are no lawsuits filed against PayArc.


PayArc Customer Reviews

Unlike other payment processing companies, PayArc does not publish client testimonials on its website. There are no reviews about the company on social media and even on other online forums and review sites.

image of payarc customer reviews

There is only one review about PayArc on Trustpilot. It is a negative review, calling it “the worst company ever.” The merchant said PayArc shut its account down with no call or warning. It warned other merchants against PayArc because the company is not proactive in solving its clients’ problems.



One negative review is not enough to dismiss PayArc. Since the website has a good trust rating, you can check out the details of the products and services without fear of your data being stolen. Make sure to look into what the company can offer your business. It would also make sense to reach out to the agents so you can get a customized quotation. That will help you decide if PayArc is the right processor for your business.

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