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Payarc

“Can Payarc become the infrastructure layer of choice for ISOs, agents, and SaaS platforms that want to embed PayFac-grade payment processing without building acquiring relationships from scratch?”

Founded2016
HQGreenwich, CT
FoundersZachary Martinez
Latest roundSeries A, April 2022
IndustryInfrastructure / Payments
The story

Founded in 2016 as a traditional merchant payment processing platform, Payarc has evolved into a full-stack PayFac infrastructure provider targeting ISOs, independent agents, and SaaS/ISV platforms. The company shifted from a pure merchant-acquiring model toward an embedded payments infrastructure play, allowing software platforms to white-label PayFac capabilities with their own branded merchant programs. Payarc operates through sponsor bank relationships with Evolve Bank & Trust, Commercial Bank of California, and FFB Bank — a structure common to registered payment facilitators rather than chartered banks.

Last 12 months
2025-01
Product timeline
2016
Payarc founded in Greenwich, CT as a payment processing platform targeting ISOs, agents, and merchants.· pivot
2022
Raised a Series A round (PE-backed growth round per PitchBook); expanded platform capabilities for ISVs and SaaS platforms.· banking
2023
Launched PayFac-as-a-Service infrastructure for SaaS platforms and ISVs, offering embedded payment facilitation capabilities.· card
2024
Became a licensed Payment Service Provider (PSP) by Google for Google Pay integrations; expanded Apple Pay hosted checkout support.· pivot
2025
Announced Clover POS device availability and introduced AI-powered performance tools within the PartnerHub platform.· pivot
The stack
2 layers disclosed in Payarc’s embedded-finance stack
Payments / PSP
Payarc (self-operated)
Sponsor bank
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.