Accepting Payment with Payarc

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Overview

Payarc gives you two ways to collect a payment: Pay by Card and Pay by ACH. Each method moves money over different rails — card networks for one, bank transfers for the other. Additionally, each method could be done to an existing customer or as a one-time payment. This guide intends to explain the flow if a payment is done by card or by ACH, as well as whether it's being done to an existing customer or as a one-time payment.

Prerequisites

Before you begin, make sure you have:

• A valid Bearer token from Merchant Dashboard
• Access to the sandbox or production environment
• Decided whether you're billing a saved customer or taking a one-time payment
• Test cards or test bank account

Option 1: Pay by Card

Choose this option when the customer is paying with a card. Card details are never sent raw to a charge — they're first exchanged for token, which then powers the charge. This keeps card data out of your own systems.

• What you get back: A successful card charge that will be paid by the customer

• View the Pay By Card Guide

Option 2: Pay by ACH

Choose this option for bank-to-bank payments. ACH typically suits larger or recurring B2B payments where avoiding card fees matters.

• What you get back: A successful ACH charge that will be paid by the customer

• View the Pay by ACH Guide:

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Tip: Every ACH transfer needs a SEC code that Payarc supports: PPD, CCD, TEL, WEB.

What's Next

Now that you know the two ways to take a payment, here are some API References that are used in the flow:

• Create a Customer
• Create a Card Token
• Create a Keyed Charge
• Create an ACH Charge