Stop paying your customers' card fees. Keep the 3.5%.
Their card, their convenience, their fee. A compliant dual pricing program moves the fee off your P&L and onto the receipt — about $10,500 a year back for a typical $25K/month shop — and you keep taking every card. If your business isn't a fit, we'll tell you and quote the Swiped Program instead.
- Transparent Pricing
- Next-Day Funding
- US-based, 24/7 Support
The boring stuff, done right.
Three reasons our merchants stay — and tell their friends.
Real rates, shown to you
Choose dual pricing or a traditional rate — your program and rate, in writing on your proposal.
Funded next business day
Same-day funding is available on eligible accounts.
A dedicated account manager
Support is US-based and available 24/7.
Pick the hardware that fits how you sell.
Every device runs on the same Clover stack and reports into one dashboard.
What you actually get with Arca.
These aren't promises — they're terms we put in writing. Verify every one against your current statement before you switch.
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Real, transparent pricing
No mystery fees. You see what is being charged on your statements.
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Next-day funding
Standard on every account. Same-day funding also available.
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Live US-based support
Call or text your dedicated account manager, 24/7.
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Compliance and PCI made easy
PCI compliance support with easy-to-use tools that handle the annual SAQ with you.
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One stack, every channel
In-store, mobile, online, and invoicing all settle into the same dashboard.
Arca vs. Square vs. Stripe.
Comparison reflects publicly published policies as of July 2026. Verify on each provider's pricing page before deciding.
| Arca | Square | Stripe | |
|---|---|---|---|
| Pricing model | Your choice | Flat-rate tiered | Flat-rate |
| Card-present rate (typical) | One flat rate, in writing* | 2.6% + $0.15 | 2.7% + $0.05 |
| Next-day funding standard | Yes | Yes — free next-day (instant 1.95%) | No — 2 business days |
| Live US support | Yes — 24/7, US-based | Limited hours | 24/7 chat, phone, email |
* Arca’s rate is set in writing on your proposal, based on your processing volume, average ticket, and industry. All competitor data drawn from each provider's published pricing as of July 2026; please verify against current pricing before making a decision. Trademarks belong to their respective owners.
Uber Eats 
DoorDash 
Homebase 
QuickBooks 
Dual Pricing 
Gift Cards 200+ apps. One device.
Add online ordering, loyalty, scheduling, accounting, payroll — and everything else most independents run as a separate subscription. They install onto the same Clover device with one tap.
Browse the app market →From "let's do it" to "we're live."
1 Apply — about 10 minutes
2 Get approved — usually next business day
3 Receive your equipment — 2-3 days
4 Activate — about 15 minutes
5 Ongoing — call us, not a queue
See what dual pricing could save you.
Slide your monthly card volume — we'll estimate your processing-fee offset.
Methodology: assumes 3.5% blended effective rate offset via a compliant dual pricing program. Actual results depend on your card mix, ticket size, and how the program is configured. Methodology and program disclosures are reviewed by counsel before launch.
Dental practices
Chairside collection, treatment-plan payment links, membership billing.
See the setup →What our merchants say.
Placeholder copy — real customer testimonials added after consent + attribution sign-off.
"Switched from a tiered processor and immediately saw the difference on the statement. Funding lands the next morning — every time."
Restaurant owner · Placeholder
"I called support at 7pm on a Saturday and got a real person on the second ring. That alone is worth the switch."
Retail boutique · Placeholder
"The dual pricing program paid for the device in three months. Setup took an afternoon."
Cafe owner · Placeholder
Get a real, written quote in under ten minutes.
No "call for pricing." You'll get fully transparent pricing in writing, on Arca letterhead, before you decide.