--- description: Discover the benefits and disadvantages of Payarc. Learn the software price, see the description, and read the most helpful reviews for UK business users. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: Payarc Pricing, Cost & Reviews - Capterra UK 2026 --- Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Payarc](/software/1042641/payarc) # Payarc Canonical: https://www.capterra.co.uk/software/1042641/payarc Page: 1 / 4\ Next: [Next page](https://www.capterra.co.uk/software/1042641/payarc?page=2) > PAYARC is an all-in-one, personalized payment processor focusing on merchant services and payment processing. > > Verdict: Rated **4.6/5** by 63 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Who Uses Payarc? Payarc partners with agents, ISOs, merchants (small and medium-sized businesses, e-commerce, and large corporations), SaaS companies, financial institutions, and venture capital firms. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.6/5** | 63 Reviews | | Ease of Use | 4.6/5 | Based on overall reviews | | Customer Support | 4.7/5 | Based on overall reviews | | Value for Money | 4.6/5 | Based on overall reviews | | Features | 4.6/5 | Based on overall reviews | | Recommendation percentage | 90% | (9/10 Likelihood to recommend) | ## About the vendor - **Company**: PAYARC ## Commercial Context - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop), Linux (Desktop), Chromebook (Desktop) - **Supported Languages**: English - **Available Countries**: United States ## Features - ACH Payment Processing - Billing & Invoicing - Debit/Credit Card Processing - In-Person Payments - Mobile Payments - Multiple Payment Options - PCI Compliance - Payment Fraud Prevention - Payment Gateway Integration - Recurring/Subscription Billing - Reporting/Analytics - Transaction Monitoring ## Support Options - Email/Help Desk - FAQs/Forum - Phone Support - 24/7 (Live rep) ## Category - [Payment Processing Software](https://www.capterra.co.uk/directory/30232/payment-processing/software) ## Alternatives 1. 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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. > > 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\! ----- ### "Payarc review" — 5.0/5 > **Josh** | *28 November 2023* | Financial Services | Recommendation rating: 10.0/10 > > **Pros**: Ease of use and their customer support is unmatched > > **Cons**: Nothing. I’ve never had an issue they couldn’t resolve. ----- ### "10 out of 10 Reccomend" — 4.0/5 > **Verified Reviewer** | *14 July 2023* | Accounting | Recommendation rating: 10.0/10 > > **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. > > 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. ----- ### "Great payment processor" — 5.0/5 > **Verified Reviewer** | *6 August 2023* | Nonprofit Organization Management | Recommendation rating: 10.0/10 > > **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. > > Great customer support and super fast response time. ----- ### "User Friendly Interface" — 5.0/5 > **Norma** | *10 January 2024* | Religious Institutions | Recommendation rating: 10.0/10 > > **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. > > Very positive. 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