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Payarc

by Payarc, LLC · Since 2016
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Active1+ countriesCloud
Quick facts
VendorPayarc, LLC
Year launched2016
StatusActive
LocationGreenwich, CT
Countries served1+
Languages1
IntegrationsN/A
Free tierNO
Free trialNO
Contact salesYES

About Payarc

Payarc stands out as an exceptionally agile and secure payment infrastructure engine optimized for growing SMBs, B2B companies, and SaaS organizations looking to implement embedded payment services.

Payarc stands out as an exceptionally agile and secure payment infrastructure engine optimized for growing SMBs, B2B companies, and SaaS organizations looking to implement embedded payment services. By utilizing an AI-driven approach through its proprietary Pie.AI tools, the platform solves core merchant pain points relating to data leaks, fraud prevention, and customer retention. While its personalized pricing models and robust Level III interchange structures yield strong cost efficiencies, businesses processing extremely small transactions should double-check their specific contract structures to ensure profitable margins. Overall, it is highly recommended for tech-forward merchants looking for custom API flexibility coupled with outstanding, rapid-response customer service.

Pros & Cons

Pros
  • Flexible pricing models (such as Dual Pricing) which can effectively neutralize processing card fees.
  • Robust, modern Android-powered physical hardware terminals
  • Lowered transaction fee overhead for B2B setups via optimized Level II and Level III processing.
  • Deep developer flexibility backed by modern, clean API tools and SDK frameworks.
Cons
  • Limited native retail inventory business-management modules compared to fully-fledged retail ERPs.
  • Occasional delayed resolution responses reported during complex technical merchant underwriting workflows.
  • Pricing transparency can be opaque since plans are dynamically derived from independent account audits.

Features

Key features

Advanced Level II & Level III Processing

Automatically structures and optimizes complex corporate/government transaction data to significantly lower interchange costs for B2B merchants.

Dual Pricing & Cash Discounting

Built-in calculation engine that automatically applies card processing surcharges or awards cash incentives transparently at point-of-sale terminals.

Flexible PayFac Framework

Provides SaaS platforms and developers with customizable White-Label embedded payment infrastructure to deploy fast boarding and automated underwriting for sub-merchants.

Pie.AI Smart Infrastructure

Uses advanced machine learning and AI algorithms to actively predict merchant churn, flag high-risk transaction behavior, and insulate businesses from security threats.

Omnichannel Processing

Allows merchants to securely capture and process transactions across brick-and-mortar stores, e-commerce storefronts, mobile devices, or virtual terminals simultaneously.

Additional features

Debit/Credit Card Processing

Enables direct, high-speed authorization and processing of all major international networks (Visa, Mastercard, Amex, Discover).

ACH Payment Processing

Facilitates direct electronic bank-to-bank transfers for lower cost-per-transaction processing.

Recurring/Subscription Billing

automates the creation and scheduling of timed charges for subscription business models or regular customer service agreements.

Billing & Invoicing

Generates itemized digital invoices sent via text or email that allow direct click-to-pay functionality.

Activity Dashboard

Centralized operations center showing continuous transaction metrics, historical settlement details, and volume charts.

Alerts & Notifications

Delivers push messages and system banners warning operators of potential chargebacks, high-volume spikes, or failed authorizations.

Developer API & SDK Access

Fully documented open interfaces enabling engineers to construct custom payment workflows and hook into third-party databases.

Customizable Branding

Provides capabilities to append independent corporate logos and tailored color layouts across user-facing payment gateways and statements.

Data Security & PCI Compliance

Keeps transaction data secure via end-to-end encryption tokenization, shielding sensitive data in full compliance with PCI-DSS protocols.

Electronic Signature Capture

Integrates digital signatures into contract flows or smart terminal interactions for frictionless verification.

Mobile Payments

Turns basic smartphones or mobile readers into portable registers through specialized mobile applications.

Payment Fraud Prevention

Performs multi-layer identity verification and predictive pattern recognition to detect malicious orders before processing.

Real-Time Data Feed

Syncs active transaction records instantaneously with the back-office dashboard.

Receipt Management

Provides cloud storage to log, search, and manage customer physical or digital receipts for reference.

Dispute Management Portal

Centralizes automated workflows to respond to credit card chargebacks, submit evidence, and track win/loss progress.

Self-Service Merchant Portal

Empowers business operators to alter account settings, download bank statements, and configure payment profiles independently.

Pricing

Free trial
Free version
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Countries & Languages

1
Countries served
1
Interface languages
17
Billing currencies

Available in

United States

Interface languages

English

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇯🇵JPY🇦🇺AUD🇨🇦CAD🇨🇭CHF🇨🇳CNY🇸🇪SEK🇳🇿NZD🇰🇷KRW🇸🇬SGD🇳🇴NOK🇲🇽MXN🇮🇳INR🇷🇺RUB🇺🇸USD

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