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Michael Graw

In a Nutshell

PAYARC is a credit card processing company trusted by more than 10,000 merchants across the US. The company offers PAX point-of-sale (POS) devices and Dejavoo card readers for in-person transactions, plus it supports online payments and invoicing. PAYARC software is very user-friendly and includes in-depth reporting to help you manage your business. PAYARC offers same-day payments to your business and 24/7 customer support.


  • User-friendly software with in-depth analytics
  • Supports invoicing and subscriptions
  • PAX POS devices available for purchase or lease


  • Not transparent about pricing
  • Customers must submit to a background check prior to approval


Ideal For 

  • Businesses that want to offer subscriptions

  • Business owners who want in-depth payment analytics

  • Businesses that want to receive same-day payments

What’s On Offer

  • PAX POS devices and Dejavoo card readers

  • Support for online payments, invoicing, and subscriptions

  • Same-day transfers to your business bank account

  • Custom software interface with customizable reports

  • Advanced security features to reduce chargebacks and fraud

  • Integrations with Apple Pay, WooCommerce, ChargeZoom, and more

  • 24/7 customer support by phone, live chat, and email

Application Requirements

PAYARC offers 3 different account types with different requirements for approval.

Credit card swipe accounts for charges less than $5,000 per transaction require:

  • Merchant application

  • Driver’s license or government-issued ID

  • Business license or doing business as (DBA) filing for sole proprietors

Credit card swipe accounts for charges of $5,000 or more per transaction also require 3 months of bank statements.

Ecommerce accounts for which the charged card is not physically present have several additional requirements.

  • 3 months of credit card processing statements

  • Photos of inventory of fulfillment facilities

  • Sample copy of customer agreements

Business owners must contact PAYARC’s customer support team to get a quote and apply for a merchant account.

What’s Unique About PAYARC?

PAYARC offers unique solutions for small and medium-sized businesses. The company doesn’t offer preset plans or tiers but rather works with business owners to find the best possible processing solutions for their needs.

Here are some of the key features that stand out about PAYARC.

PAX POS Devices

PAYARC offers several PAX POS devices, including the E500, E700, E800, and A920. PAX E-series devices are tabletop POS platforms that include high-definition touchscreens and integrated card readers. They are highly customizable and can be used for everything from creating menus, checking out customers, and managing tips and receipts.

The PAX A920 is a handheld card reader that supports EMV chips and contactless payments. It includes a thermal receipt printer and a touchscreen to allow for streamlined checkout.

PAX POS devices are available for purchase or lease from PAYARC. 

Dejavoo Card Readers

For businesses that only need a card reader rather than a full-service POS platform, PAYARC offers several card readers from Dejavoo.

The Dejavoo Z1 is a mobile card reader with a compact PIN pad and a simple display. The Dejavoo Z6 offers a touchscreen, support for processing EMV chips, and integration with POS systems. The Dejavoo Z8 is a tabletop card reader that requires an Ethernet or phone line connection for high-speed processing. It includes an integrated receipt printer.

Dejavoo devices are available for purchase or lease from PAYARC.

Online Payments

PAYARC offers a PCI-compliant web payments gateway for businesses that want to sell online. In addition to credit card payments, PAYARC enables your business to accept Apple Pay and Google Pay. The payment gateway can be integrated into most existing websites.

PAYARC’s online payments gateway has several security features, including the ability to blacklist payments from specific countries or IP addresses. Merchants can also limit the total transaction volume from individual cards to reduce the risk of accepting fraudulent transactions. Finally, PAYARC can automatically encrypt card data so that customer information isn’t lost in the event of a security breach in your business’s network.


PAYARC also offers business owners the ability to invoice customers and accept payments online. Merchants can use PAYARC’s software to design custom invoices without any coding and send them instantly. The platform offers a variety of invoicing options, including promotions and trial periods, tiered pricing, and usage-based pricing.

PAYARC makes it easy to keep track of when invoices are paid and can even send reminders to customers about unpaid invoices.


PAYARC enables merchants to offer ongoing subscriptions and memberships. Business owners can set up multiple subscription options with different timeframes and pricing. PAYARC can automatically charge customers’ cards when subscriptions are due to renew.

Customizable Reporting

PAYARC’s back-end dashboard for business owners offers a wide range of built-in reports and metrics. Business owners can use these reports to track changes in payment volume over time, see what products or services are generating the most revenue, or see what employees are driving the most business.

Same-day Payments

Funds from transactions processed by PAYARC are paid into a business’s bank account at the end of each day. This means that businesses always have access to their revenue right away instead of having to wait days for transactions to clear. Note that payments may be delayed by several days for some high-risk businesses.

Customer Support

PAYARC offers 24/7 customer support by phone, email, and live chat. When emailing PAYARC’s support team, merchants can expect to receive a response within 24 hours. PAYARC’s support team can also assist with technical questions about PAX POS devices or Dejavoo card readers.

Pricing (Software and Hardware)

PAYARC offers tailored processing solutions for businesses, which means that business owners must contact the company to get a free quote. PAYARC does not provide any information about its pricing before requesting a quote.

To request a quote, business owners must enter their name and email—phone number is optional. PAYARC representatives will typically get in touch within 24 hours and can also offer a demo of PAYARC’s software.

Contract Terms

PAYARC does not provide information about whether merchants are required to enter into long-term contracts.


PAYARC is a Connecticut-based payments processor that was founded in 2016. The company works with all types of small and medium-sized businesses across the US to provide credit card processing and merchant services. The company works with more than 10,000 merchants and processes more than $3 billion in transactions annually.

PAYARC is a member of the Electronic Transactions Association and the Visa Global Registry of Service Providers. PAYARC is not accredited by the Better Business Bureau and has not been reviewed on Trustpilot.

Physical Address

411 West Putnam Avenue Suite 340, Greenwich, CT 06830, United States  


Michael Graw is a freelance journalist and photographer based in Bellingham, Washington. His work has been published on a wide selection of popular websites, and he has built a solid reputation for his writing in the technology and finance sectors. Michael has a particular interest in new technology and runs a small business where he constantly puts the latest web, business, and consumer tech through its paces.
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