Overview

The Payarc Gateway is an API-first, omnichannel payments platform that centralizes transaction processing for in-person, online, and mobile channels. It provides tokenization, encryption, Level 2 & 3 data support, ACH and card processing, a virtual terminal, dispute analysis tools, and real-time monitoring and reporting—enabling merchants and platforms to process, manage, and secure payments from a single control plane.

Features and Capabilities

• Security & Compliance: Tokenization, end-to-end encryption, and Level 2 & 3 support to reduce fraud and help meet card-network requirements.
• Transaction Handling: Real-time transaction monitoring and consolidated reporting across channels for visibility into settlements and sales.
• Virtual Terminal & Manual Entry: Browser-based virtual terminal for keyed sales, refunds, and recurring subscription management.
• ACH & Card Processing: Supports ACH electronic transfers alongside card authorizations and captures to cover more payment methods.
• API & Developer Tools: Comprehensive REST APIs and developer tools for embedding checkout, hosted pages, and platform integrations.
• Risk & Dispute Management: Centralized risk views, dispute analysis workflows, and exportable reviews to streamline chargeback handling.
• Partner & PayFac Capabilities: Onboarding tools and partner/ISV features for payment facilitators, merchant aggregators, and platforms.
• Omnichannel & POS Integration: Integrates with POS hardware and the Curv POS ecosystem to unify in-store, mobile, and online transactions and reporting.
• Reporting & Analytics: Merchant dashboard and exportable statements/reports for settlement reconciliation and financial oversight.