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Switch

Switching processors isn’t scary. It’s a Tuesday.

Send us your most recent statement. We’ll mark it up line by line, send a written proposal, and coordinate the cutover.

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Three reasons people switch

The complaints we hear every week.

Hidden fees and mystery tiers

Your current processor’s “qualified” rate isn’t the rate most of your transactions actually run at.

How Arca handles it:

We put your program, your rate, and every fee in writing on the proposal.

Support that keeps you waiting

Your dispute paperwork is waiting on a ticket queue. Your terminal goes down Saturday night and the help line is closed.

How Arca handles it:

Phone-first, US-based, 24/7. A named account rep who knows your statement.

2–3 day funding

Friday sales don’t hit until Tuesday. Your “instant” funding option carries a 1.95% surcharge.

How Arca handles it:

Next-day funding standard on every Arca account. Same-day where eligible, via Clover Rapid Deposit.

How the switch works

Four steps. About one week, end to end.

  1. 1

    Send us your statement

    Upload your most recent processing statement on the comparison page. We accept PDF, photo, or just a screenshot. One business day to mark it up.

  2. 2

    Get a written proposal

    Side-by-side: your current effective rate vs. what you’d pay with Arca. Line by line. No verbal quotes, no “call for pricing.”

  3. 3

    We provision your device + port over

    New Clover (or your existing one re-provisioned) ships pre-configured. Customer list, recurring billing, and dispute tooling migrate during a scheduled cutover window.

  4. 4

    Cutover with zero downtime

    You finish a day on the old processor, switch over overnight, and process on Arca the next morning. Your customers see nothing different — same checkout, same receipts.

What we cover

Five things you don’t pay for during the switch.

Statement audit at no cost

We mark up your current statement and identify every fee, no commitment.

Data migration at no cost

Customer list, recurring billing, gift-card balances, dispute records — we port what your old system will export.

Cutover coordination

A dedicated implementation rep schedules the switch, walks you through testing, and stays on the line during cutover.

No double-pay window

We time the cutover so you’re never paying both processors simultaneously.

No commitment to commit

You see the proposal before you sign anything. If the numbers don’t work, you stay where you are and we shake hands.

By current processor

What changes when you switch from each.

Honest framing of what Arca does differently from your current setup.

Switching from Square

Square’s flat 2.6% + $0.15 is simple, but it overcharges on the cheap transactions (small debit, regulated cards) to subsidize the expensive ones.

  • Dual pricing or the Swiped Program (one flat rate, set on your proposal), instead of Square’s flat 2.6% + $0.15
  • Next-day funding standard on every account
  • Phone support 24/7 vs. Square’s limited hours
  • A full Clover POS configured for your business, not a locked-down Register

Switching from Stripe

Stripe is built for developers. If you’re running a custom checkout, Stripe’s a fine platform — but most independents don’t need the API depth and pay extra for it.

  • A named account team, 24/7 by phone — Stripe offers 24/7 phone, email, and chat, but no dedicated rep
  • Next-day funding standard vs. Stripe’s 2-business-day default
  • A real account team that knows your business, not just a dashboard
  • In-person + online + invoicing on one Arca processing account

Switching from a tiered processor

We put your program, your rate, and every fee in writing on the proposal, and itemize them on a statement you can read.

  • Dual pricing or the Swiped Program, instead of three opaque tiers
  • Itemized statement that shows your rate and every fee in plain English

Switching from PayPal

PayPal’s rates are fine for occasional invoicing but high for everyday processing. Funding holds can be unpredictable for some account types.

  • Your brand on receipts and statements, not PayPal’s
  • Predictable funding under your name and your sponsor bank
  • Lower effective rate at scale — especially for retail and counter-service
  • Same hosted-checkout and recurring-billing features, fewer surprises
Common questions

About switching to Arca.

? How long does the switch take?
Two business days for the proposal. Once you accept, 3–5 business days for underwriting + device provisioning. The actual cutover is one overnight window where you finish on the old processor and start on Arca the next morning. From first call to processing on Arca: typically 7–10 business days.
? What if I’m under contract with my current processor?
We’ll review your contract during the audit and surface any early-termination fees, then show you a payback timeline based on your new pricing so you can decide if it still makes sense.
? Will my customers notice anything?
No. Same checkout experience, same receipts, same recurring billing schedule. If you’re switching POS hardware too, your menu and inventory get rebuilt during onboarding so it looks the same on day one.
? Can I keep my current hardware?
Sometimes. Existing Clover devices can typically be re-provisioned to Arca. Non-Clover hardware (Square Register, Toast, Lightspeed) generally cannot — we’d quote replacement hardware as part of the proposal.
? What about my recurring customers and stored cards?
If your current processor supports a stored-card export (most do, via PCI-compliant tokenization), we migrate the tokens during onboarding. Customers don’t need to re-enter their cards. The exception is processors that refuse to release the token vault — in that case we work out a customer-facing re-authorization plan.
? What if the proposal isn’t actually cheaper?
Then you don’t switch. Sometimes our quote shows that you’re already getting a competitive rate (often because you’ve negotiated heavily). In that case we tell you honestly and keep your information on file — no one wins from a switch that doesn’t save money.
Ready to see the math?

Send us your statement.

One business day to mark it up. Side-by-side proposal in writing, on Arca letterhead, with no commitment to sign.

Compare my statement Or get a fresh quote