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PayByPhone

PayByPhone

Global Mobile Parking

VS

PayArc

Transparent Merchant Processing

PayArc
Fees from
Custom vs Interchange-plus from 0.15%
Features

1 shared

1 unique to PayArc
Regions

1 shared

2 unique to PayByPhone
Pay methods

2 shared

3 unique to PayByPhone · 4 unique to PayArc
On settlement

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Show full specs
2 features · 9 payment methods · 3 regions. We don't rank these — they're here for reference.
PayByPhone PayByPhone
PayArc PayArc
Quick Facts
Fees
Standard transaction rate
Custom
Interchange-plus from 0.15%
Settlement
Time to receive funds
—
—
Founded
2001
2016
Headquarters
Vancouver, Canada
United States
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
PayArc leads (2 vs 1)
Low Fees
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
PayArc leads (6 vs 5)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Google Pay
✓
✓
Mastercard Unique
—
✓
Paypal Unique
✓
—
Visa Unique
—
✓
Regions
PayByPhone leads (3 vs 1)
Europe Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

PayByPhone is best when you...

Global Mobile Parking
Want coverage in Europe, Oceania
PayArc doesn't cover these regions
View PayByPhone

PayArc is best when you...

Transparent Merchant Processing
Need Startup Friendly
Not available with PayByPhone
View PayArc

Frequently Asked Questions

What is the difference between PayByPhone and PayArc?
They share 2 payment methods and 1 region. PayByPhone adds Credit Card, Debit Card, PayPal that PayArc does not list; PayArc adds ACH, Amex, Mastercard and 1 more that PayByPhone does not list; PayByPhone also covers Europe, Oceania; only PayArc offers Startup Friendly.
Which is cheaper, PayByPhone or PayArc?
PayByPhone has custom pricing quoted on engagement; PayArc has published rates from Interchange-plus from 0.15%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayByPhone and PayArc?
PayByPhone lists 3 regions and 5 payment methods; PayArc lists 1 and 6. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayByPhone and PayArc compare on integration and settlement?
PayArc offers a sandbox, PayByPhone does not list one; both support webhooks.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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