PAYARC Review: Fees, Complaints & Lawsuits

Name: PAYARC
Item: PAYARC
Rating: 4
Author: Phillip Parker

By Phillip Parker

Last Updated: April 20, 2022

2 User Comments

PAYARC Rating

4/5

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(877) 203-6624 View Pricing

Connecticut-Based Payment Processor

PAYARC is a Connecticut-based credit card processor that provides merchant services to small businesses in the United States. The company offers POS systems, e-commerce payment processing, and subscription billing services. PAYARC also offers a PCI compliant web-based payment gateway. It appears the company was founded in 2016, but operations did not begin until 2019.

PAYARC Point of Sale (POS)

The company advertises point of sale products on its website developed by Dejavoo Systems. The company advertises some full countertop credit card terminals and an assortment of EMV chip and PIN-based card readers.

PAYARC Location and Ownership

PAYARC is headquartered at 411 West Putnam Avenue Suite 340, Greenwich, CT 06830.

Zachary Martinez is the CEO and co-founder of PAYARC, and Jared Ronski serves as the president of the company.

PAYARC LLC is a registered ISO/SP of Commercial Bank of California, Irvine, California and a registered ISO of Evolve Bank & Trust, Memphis, TN.

PAYARC Review Table of Contents

Costs & Contract: We’ve been unable to locate any merchant account contract terms regarding…
Complaints & Service: We’ve located a few complaints about…
BBB Rating: The company does not currently maintain a Better Business Bureau profile.
Sales & Marketing: PAYARC does not appear to utilize…

PAYARC appears to utilize POS systems by Dejavoo Systems.

PAYARC Customer Reviews

Here's What Their Clients Say

Key Points
Total Online Complaints	Few
Live Customer Support	24/7
Most Common Complaint	Undisclosed Fees

PAYARC Complaints

In some PAYARC reviews, we have located a couple of complaints regarding a poor service experience and an undisclosed early termination fee of $500 that was only mentioned in the fine print of the business owner’s merchant account agreement.

The company has a couple of dozen positive testimonials which this reviewer finds suspicious in nature. Nearly all of the positive reviews were left in 2019, are the first review ever written by the reviewer, and use a lot of marketing buzzwords that seem more likely to come from industry insiders than actual business owners. If you have had a positive experience with PAYARC, please let us know in the comment section below.

PAYARC Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against PAYARC. Dissatisfied business owners who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations and by leaving a review of your own in the comment section of this article below.

PAYARC Customer Service Options

PAYARC’s customer service offers 24/7 customer service through a support email or a support phone number.

Main PAYARC Email Contact: [email protected]
Payment processing dedicated Customer Service: 1 (877) 203-6624

PAYARC Online Ratings

Here's How They Rate Online

PAYARC does not currently have a Better Business Bureau profile

PAYARC Fees, Rates & Costs

A Closer Look at The Contract

Key Points
Swiped Rate	Variable
Keyed-in Rate	Variable
Early Termination Fee	Yes
Equipment Lease Terms	Undisclosed

Unclear Merchant Account Terms

PAYARC does not list any of its merchant account pricing online. Transparency in rates, fees, and contract terms is one of our requirements to be ranked as a trustworthy merchant services provider on this website. While we have located only a handful of complaints associated with fees and contract terms, the lack of clearly presented pricing information prevents PAYARC from receiving a five-star rating.

Negotiate Contract Pricing

We have not been able to locate a PAYARC merchant account contract at this time. New customers who have recently signed up for payment services through PAYARC are encouraged to leave a customer review below describing their experience. Business owners are also encouraged to negotiate their merchant account pricing and contract terms, and to read all documents thoroughly before signing for PAYARC’S merchant services.

PAYARC Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points
Employs Independent Resellers	No
Advertises Deceptive Rates	No
Discloses All Important Terms	No

No Evidence of Independent Sales Teams

Currently, we cannot locate any concerning job posts or complaints indicating the company utilizes independent or outside sales representatives. We also cannot locate any complaints directly related to its sales practices or indications of misleading merchant account quotes.

PAYARC Termination Fees

We did find one recent complaint pertaining to a $500 termination fee that the business owner was not aware of. A response from the company claims the fee and penalties are clearly laid out in the merchant contract terms.

PAYARC Lacks Rate & Fee Transparency

PAYARC has very little information regarding its pricing available online. This usually indicates that the company markets tiered or “bucket” rate merchant account contracts. Typically, such merchant accounts are more expensive than other pricing models, such as Interchange-plus pricing. At this time we cannot comment on the cost of PAYARC’s rates due to the lack of information supplied by the company. If you have information regarding PAYARC’s credit card processing fees, rate, or contract terms, please leave a comment below.

Our PAYARC Review Summary

Our Final Thoughts

Needs More Transparency

Generally a company with as many positive reviews as PAYARC has received would rank highly in our review criteria. The overall lack of concrete information is the one major issue concerning PAYARC’s current score. While we would feel PAYARC would serve as a competent payment service provider, it would be more reassuring to have pricing figures available to the public. We will be looking for more PAYARC customer reviews in the future to corroborate their performance. At this time we are awarding PAYARC 4 out of 5 stars. With minor improvements, PAYARC could potentially be a top-rated provider.

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About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

Expert Guidance

Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

– Merchant Account Statement Auditing
– Rate & Fee Negotiation
– Processor & POS Selection
– Software Integrations
– Risk Assessment
– Fraud Prevention
– General Processing Advice

Schedule a Consultation Here

Phillip’s Top Picks

Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

In The Media

In addition his contributions on CPO, Phillip has also been quoted in several major publications such as The Los Angeles Times, INC Magazine, Miami Herald, Computer World, and numerous others. If you would like to interview Phillip for your story or podcast, please reach out here.

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Your Comments & Reviews

How Did PAYARC Treat You?

2 Responses

Kenneth Scott

Mission Communications LLC.

October 17, 2023

I joined this company around the first of September. We have processed $14,790.00 through 10/17/2023. We have never seen a deposit in our account. I contacted their support several times to requesting these funds be released. Never happened. All i got as far as a response was; “Management is reviewing this account, and we will get back to you once we get an update.” if they owe us the funds why no deposit. I have customers now wanting their money returned, just how messed up is this company? I suggest you find a different company this obviously has some issues.

Reply
Alex Kristen

July 27, 2023

I recently started using PAYARC for my online payment processing needs, and I must say it’s been a game-changer for my business. The platform’s user-friendly interface and seamless integration have made accepting payments a breeze. It has all the essential features I require, including secure transactions and real-time reporting.

PAYARC’s customer support team has been top-notch, always ready to assist whenever I have questions or need help. Their responsiveness and expertise have truly impressed me.

Since I switched to PAYARC, I’ve noticed a significant increase in customer satisfaction. The streamlined checkout process has reduced cart abandonment, and the various payment options available have catered to a broader audience.

I highly recommend PAYARC to any business seeking a reliable and efficient payment processing solution. It’s been an absolute pleasure working with them, and I look forward to continued success with their services.

Reply

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