PayArc
Payarc is a partner-first payment processor offering PayFac infrastructure, embedded payment APIs, ISO/agent portfolio tools, and AI-powered fraud and churn analytics to merchants, SaaS platforms, and independent sales organizations across the United States.
- Company typePrivate
- Founded2016
- HeadquartersGreenwich, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What PayArc does
Payarc is a partner-first payment processing company headquartered in Greenwich, Connecticut, operating as a Delaware LLC since 2016. The company provides merchant acquiring, PayFac-as-a-Service, and embedded payment infrastructure to three primary customer segments: ISOs and independent agents (via PartnerHub portfolio management), SaaS and ISV platforms (via APIs, SDKs in JavaScript/Python/PHP, and white-label merchant boarding), and growing merchants (via Clover POS hardware and the TouchPay tap-to-phone mobile application). Its platform supports multi-bank routing across six registered bank sponsors (Chesapeake Bank, Evolve Bank & Trust, Pathward, FFB Bank, Pinnacle/Synovus, and Commercial Bank of California), enabling processing redundancy and PayFac sub-merchant onboarding.
The product surface centers on the Payarc Platform, PartnerHub, TouchPay, Clover distribution, and the Pie AI suite (Pie.Churn for merchant risk prediction, Pie.Agent for partner pricing insights using GPT-based models, Pie.Prevent for fraud and reserve protection, and Pie.Underwriting for automated approvals). Payarc Assist, an LLM-trained-on-knowledge-base assistant, is embedded in PartnerHub. The company earns revenue primarily through interchange-plus and flat-rate transaction fees, revenue share with ISO/ISV partners, and Clover hardware placement.
Go-to-market is three-pronged: a channel-led ISO/agent network, an API-first developer motion for ISV/SaaS embedding (positioned against a Bain-sized ~$51B embedded payments TAM by 2026), and direct enterprise sales with dedicated relationship managers. Payarc is privately held, backed by Bregal Sagemount following a 2022 strategic investment, and was named ETA ISO of the Year in 2025. Its principal differentiation, per company materials, is service quality (sub-1-minute call answers, 94.6% first-contact resolution) layered over a PayFac-and-AI technology stack.
PayArc firmographics
Firmographics- Name
- PayArc
- Legal name
- Payarc LLC
- Website
- https://payarc.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Payarc is a partner-first payment processor offering PayFac infrastructure, embedded payment APIs, ISO/agent portfolio tools, and AI-powered fraud and churn analytics to merchants, SaaS platforms, and independent sales organizations across the United States.
- Ownership category
- akta.pro rank
PayArc industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Payment Orchestration Platforms (FSAGABAA)
Keywords
Where PayArc is headquartered
LocationHeadquarters
- HQ city
- Greenwich
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PayArc business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Payment Processing Transaction Fees: Payarc earns interchange and transaction fees on every payment processed through its platform. Revenue is generated from the spread between interchange rates charged by card networks and pricing offered to merchants.
- Partner Revenue Share: ISOs, agents, and ISV partners earn a share of transaction volume or basis points on payments processed through their portfolios. Agents can increase monthly activations with pricing tools like Pie.Agent.
- ISV Platform Revenue Share: Software platforms embedding Payarc payments earn competitive revenue share per transaction, turning payment processing from cost center into revenue opportunity.
- Hardware and Terminal Sales: Clover POS devices and other hardware sold to merchants, with free terminal placement options available.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Quote-based merchant pricing |
| Transaction based/ take rate | Monthly | Interchange-plus pricing model |
| Transaction based/ take rate | Monthly | Flat-rate pricing option |
| Freemium | Pay-as-you-go | PIE AI tools (currently beta) |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
PayArc product offering
Product offeringCore offering
Payarc operates a partner-first payment processing platform combining PayFac-as-a-Service infrastructure, traditional merchant processing, the PartnerHub agent portal, the Pie AI predictive analytics suite, and TouchPay mobile contactless acceptance. The company onboards and processes payments for sub-merchants on behalf of ISOs/agents and SaaS/ISV platforms, distributing revenue share and earning interchange-plus transaction fees. It also resells Clover POS hardware and provides 24/7 human support with a dedicated developer integration team.
Product overview
Payarc is a partner-first payment platform that combines flexible PayFac infrastructure, traditional merchant programs, and AI-powered tools. The core Payarc Platform serves as the foundation, supported by the PartnerHub for agent portfolio management, TouchPay mobile payments for tap-to-glass acceptance, the Pie.AI suite for predictive analytics and fraud prevention (Pie.Churn, Pie.Agent, Pie.Prevent, Pie.Underwriting), Developer Center for API/SDK integrations, and Knowledge Hub for support. The platform integrates with Clover POS hardware and offers free terminal options. Payarc's ISV/SaaS platform enables software companies to embed payments with merchant onboarding and split payment capabilities. The ecosystem supports merchants, agents/ISOs, and SaaS platforms through 24/7 support and AI-driven tools.
Differentiator
Problem solved
Functional benefit
Brands
- Pie AI: AI-powered suite of intelligent tools including Churn AI, Pricing Advisor, and other predictive analytics tools for fraud prevention and merchant retention.
- PartnerHub
- TouchPay
- Payarc Assist
Products and services
- Payarc Platform Core cloud-based payment processing platform that combines PayFac infrastructure, traditional merchant programs, and AI-powered tools so ISOs/agents, SaaS platforms, and direct merchants can onboard sub-merchants and process payments.
- TouchPay Mobile payment acceptance application that lets merchants accept contactless card payments directly on Apple and Android devices via tap-to-glass NFC technology, removing the need for traditional payment terminals.
- PartnerHub All-in-one partner portal for ISO/agent portfolio management, including deal status tracking, residual reporting, advanced analytics, the Payarc Assist AI assistant, and a Messaging Center for real-time notifications.
- Pie.AI Suite of AI-powered predictive intelligence tools including Pie.Churn merchant attrition prediction, Pie.Agent pricing insights for partners, Pie.Prevent fraud and reserve protection, and Pie.Underwriting automated approval workflows.
- Clover POS Reseller program for Clover countertop and mobile point-of-sale hardware, paired with Payarc payment processing and including free placement options for qualified merchants.
- Free Terminal Placement Program offering free POS terminal placement to qualified merchants, reducing the upfront equipment cost barrier for small and mid-sized businesses adopting Payarc processing.
- Developer Center Self-serve developer portal exposing Payarc APIs and SDKs in JavaScript, Python, and PHP, plus sandbox environments, integration documentation, and a Knowledge Hub for merchants, agents, and developers.
Quantifiable outcome
- Call answer time under 1 minute
- +4 more outcomes
Companies that use PayArc
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
PayArc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability5 records
Feature6 records
PayArc partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and supporting.
- UrbanPipercoreIntegration connecting Payarc's payment processing with UrbanPiper's restaurant management platform. Enables consolidated payment processing across online ordering (DoorDash, Uber Eats, Grubhub) and in-store transactions. Supports UrbanPiper's AI-driven restaurant commerce vision including Orderline Voice AI.
- DataSciencxsupportingDigital business services firm that facilitated the Payarc-UrbanPiper integration partnership. Specializes in data analytics and technology solutions for restaurant and retail industries.
- MYR POScoreStrategic partnership embedding Payarc's payment infrastructure into MYR POS's cloud-based restaurant management platform. Enables U.S. restaurants to accept secure payments within existing workflows. Supports MYR POS's expansion into U.S. market.
- Checkout ChampcoreDeep integration between Payarc and Checkout Champ's performance e-commerce platform. Described as most comprehensive integration within Payarc platform. Aims to improve checkout flexibility, approval rates, and payment control for e-commerce brands.
- Chesapeake BankcoreRegistered ISO/SP of Chesapeake Bank, Kilmarnock, VA. One of multiple bank sponsors enabling Payarc's payment processing and settlement services.
- Evolve Bank & TrustcoreRegistered ISO/SP of Evolve Bank & Trust, Memphis, TN. Bank sponsor for payment processing and merchant settlement.
- Pinnacle Bank (dba Synovus Bank)coreRegistered ISO/SP of Pinnacle Bank, a Tennessee bank dba Synovus Bank, Columbus, GA. Bank sponsor for payment processing.
- Pathward BankcoreRegistered payment facilitator of Pathward Bank. Enables payment facilitation services under Pathward's sponsorship.
- FFB BankcoreBank sponsor for Payarc merchant processing. FFB Bank, Member FDIC, based in Fresno, CA.
- Commercial Bank of CaliforniacoreBank sponsor for Payarc merchant processing. California state chartered bank headquartered in Los Angeles.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
PayArc competitors and assessment
Company assessmentDirect peers
- Finix: Finix is a PayFac-as-a-Service provider that enables software platforms to onboard sub-merchants and embed payment processing, directly comparable to Payarc's ISV/SaaS Platform offering. Both target vertical SaaS companies seeking monetization via payments.
- Payment Depot: Payment Depot is a payment processor focused on the ISO and agent channel with interchange-plus pricing. It targets a similar partner-first GTM motion and SMB merchant base as Payarc.
- Stax: Stax (formerly Fattmerchant) provides payment processing with subscription-style pricing and embedded APIs for ISVs/SaaS platforms. Like Payarc, it serves ISOs and software partners, with similar interchange-plus and flat-rate options.
Emerging players
- Tilled: Tilled is a PayFac-as-a-Service provider for ISVs and SaaS platforms offering merchant onboarding, split payments, and embedded payment APIs. It is comparable to Payarc's ISV Platform offering for vertical software companies.
- Spreedly: Spreedly provides payment orchestration and infrastructure APIs enabling platforms to route transactions across multiple payment services. Comparable to Payarc's multi-bank sponsor routing and orchestration capabilities.
Broad incumbents
- Stripe: Stripe Connect offers PayFac-as-a-Service, SDK-based embedded payments, and global acquiring. It is the dominant developer-first payment platform that Payarc competes against for ISV/SaaS integrations, with significantly larger scale and a global footprint.
- Adyen: Adyen for Platforms provides PayFac infrastructure and embedded payments for marketplaces and SaaS platforms globally. It competes with Payarc for enterprise ISV deals requiring multi-country processing and unified acquiring.
- Global Payments: Global Payments is a large-scale payment processor and acquirer serving merchants, ISOs, and software platforms. It is a broad incumbent that competes with Payarc for ISO partnerships and embedded payments deals.
- Square (Block): Square (Block) offers integrated POS hardware, software, and payment processing for SMBs, with embedded payments capabilities for developers. Payarc's Clover partnership and TouchPay tap-to-glass compete directly with Square's hardware-plus-software stack.
- Fiserv: Fiserv (Clover's parent) operates the Clover App Market and broader merchant acquiring business. Payarc is a Clover reseller and competes with Fiserv's direct merchant services for the same SMB segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
PayArc social profiles
Digital presencePayArc compliance and trust
Trust signalCompliance2 records
PayArc financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayArc leadership team
Management profileNumber of profiles
Profiles1 record
PayArc funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayArc M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayArc
What does PayArc do?
Payarc operates a partner-first payment processing platform combining PayFac-as-a-Service infrastructure, traditional merchant processing, the PartnerHub agent portal, the Pie AI predictive analytics suite, and TouchPay mobile contactless acceptance. The company onboards and processes payments for sub-merchants on behalf of ISOs/agents and SaaS/ISV platforms, distributing revenue share and earning interchange-plus transaction fees. It also resells Clover POS hardware and provides 24/7 human support with a dedicated developer integration team.
Is PayArc a public or private company?
PayArc is a private company. It is classified as private equity controlled and is currently operating.
When was PayArc founded?
PayArc was founded in 2016. It employs 51 to 100 people.
Where is PayArc based?
PayArc is headquartered in Greenwich, United States, in the North America region.
How does PayArc make money?
Four revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are partner Revenue Share, ISV Platform Revenue Share and hardware and Terminal Sales.
Who are PayArc's main competitors?
Direct peers on record are Finix, Payment Depot and Stax. Emerging players are Tilled and Spreedly. Broad incumbents are Stripe, Adyen, Global Payments, Square (Block) and Fiserv.
Does PayArc have an API?
Yes. Payarc provides SDKs and APIs for developers to integrate payment processing into platforms. Developers can access API guides, SDKs, and integration steps to connect Payarc with their platform. SDKs are available in JavaScript, Python, and PHP languages, with sandbox environments for testing. The platform enables PayFac capabilities including instant merchant onboarding and split payments. Through the Merchant Boarding API, onboarding can be embedded directly into ISV UI. Developer documentation is at docs.payarc.net/?version=latest.
What industry is PayArc in?
PayArc's product category is Payment Processing. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 7372.