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PAYARC Review 2026: Tailored Plans for Your Business

Headshot of Dawn Prevete Written by: Dawn Prevete
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PAYARC is all about choice and customization. It offers flat rates and membership plans that can be tailored to your unique needs. This flexibility makes it a good option for most types of businesses and industries.

But while PAYARC’s merchant-centered approach is a plus, it’s not as upfront about its processing fees and features as other providers. For more transparent options, check out our top recommended credit card processors.

Our Score
4.0
Ranked 22 from 30 Credit Card Processing
Pricing plan
Pricing per transaction
Monthly subscription
Pricing per transaction
Membership ($0-$25K/mo.)
0% + 15¢ (in-person & online)
$69.00
Membership ($25K-$50K/mo.)
0% + 10¢ (in-person & online)
$129.00
Flat Rate
2.49% + 30¢ (in-person)2.9% + 30¢ (online)
Cash Discount
2.5% - 4% (customer pays)
Monthly subscription
Membership ($0-$25K/mo.)
$69.00
Membership ($25K-$50K/mo.)
$129.00
Flat Rate
Cash Discount
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