Run cards and ACH. Manage customers. Bill on a schedule. Send invoices. Plug into your online store. Respond to chargebacks. From one place.
A payment gateway, point-of-sale tool, and customer manager combined. Built for businesses that bill more than once — subscriptions, payment plans, recurring services, B2B accounts. Tabletop sets up your account, walks your team through the dashboard, and stays on for support.
If you're running a business where the same customer pays you again next month — a service subscription, a membership, a payment plan, a recurring B2B invoice — Payarc CRM is the layer that makes that motion automatic instead of manual. You stop chasing card updates, missed renewals, and stale invoices, and your bookkeeper stops reconciling five spreadsheets. The portal is where everything lives: who owes what, when, and how they're paying.
For one-time-only businesses, this is overkill. Use a regular gateway. For everyone else — practices, gyms, coaches, contractors with progress payments, B2B accounts, e-commerce shops with subscription products — this is the thing that scales without adding admin staff.
Every feature below is in the same portal. No bouncing between tabs in different products. No double entry. The customer record, the subscription, the invoice, and the chargeback are all attached to the same person.
Build billing plans with a name, amount, interval, trial period, and statement descriptor. Attach a plan to a customer and it runs until you cancel — start immediately or on a future date.
Send branded invoices via SMS, email, or both. Add your logo and brand colors. Apply percentage or flat-dollar discounts. Track in real time when an invoice is viewed, paid, or overdue.
Process card-not-present transactions from any browser. Tokenize cards on file. Run level 2 and level 3 data for B2B card processing. Encrypted end-to-end.
Take payment directly from a customer's bank account instead of a card. Saves the card-processing fee on large or recurring B2B amounts. Same dashboard as your card transactions.
See open cases. Upload supporting documents. Respond directly through the portal. Payarc reports a 60%+ improvement in dispute response time after consolidating chargeback handling here.
Every customer has a record: cards on file, active subscriptions, invoice history, ACH transfers, dispute log. Charge from the customer page. Send invoices from the customer page. No swivel-chair.
If you're selling online, Payarc CRM connects to the major e-commerce platforms out of the box — and for custom builds, the API and SDK library lets developers embed checkout pages, run hosted iframes, and tokenize cards directly. Your dashboard sees online and in-person transactions in one feed.
Payarc layers AI-driven tools onto the gateway: fraud-pattern detection that spots unusual purchase activity in real time, ACH-issue prediction that flags account problems before they hit your cash flow, and reserve-management logic that adjusts to your actual risk profile instead of one-size-fits-all rules. You don't configure it — it's running underneath the dashboard you already use.
Payarc CRM is the billing and customer-money layer. It plays well next to a separate POS for in-person retail, sits behind your e-commerce site for online orders, and runs as the standalone billing engine for businesses without a storefront at all. A few common configurations Tabletop deploys:
Payarc CRM shows up strongest in businesses where the same customer comes back. Recurring billing, ACH on big-ticket invoices, and customer-record-attached subscriptions are the difference between a tool that fits and one that doesn't. Eleven verticals where this is true:
Patient payment plans, recurring memberships, ACH-friendly insurance reconciliation.
Net-30 invoicing, retainer billing, account-receivable on autopilot.
Monthly dues, pause-and-resume subscriptions, on-file card management.
Recurring fleet accounts, payment plans on big-ticket repairs, ACH for commercial customers.
Carports, decks, fencing, patios — deposit + progress payment + final billing on multi-week jobs.
Draw schedules, milestone billing, ACH for material vendors and large balance-due payments.
HVAC, plumbing, electrical, roofing — service-call deposits, maintenance plans, financing on big repairs.
B2B invoicing on net terms, recurring orders, ACH for high-ticket transactions.
Recurring B2B accounts, level 2/3 card data for corporate buyers, ACH-first payment posture.
Carrier and broker payments, fleet account billing, ACH on large freight invoices.
Retainer and package billing, monthly subscriptions, payment plans on multi-month engagements.
Industry pages above are linked once Tabletop's industry-specific content publishes. In the interim, the cost analysis call covers vertical fit directly.
Payment processing pricing is real-world variable: card mix, average ticket size, monthly volume, B2B vs. consumer split, and which processing program you're on (traditional, surcharge, cash discount, dual-pricing) all change the number. A public rate card would either be lowest-case-only marketing or so qualified it stops being useful.
What we do instead: a 5-minute statement review. Send us your most recent processor statement. We read it, compute your effective rate, and tell you what you'd actually pay on Payarc CRM — and whether switching is worth it. If your existing rate is already competitive, we tell you that. The cost analysis call is where the numbers live.
Illustrative figures referenced elsewhere on this page are based on industry-typical ranges Tabletop sees in cost analyses. Your actual savings depend on your card mix, ticket size, contract terms, and current processor's markup.
A combined payment gateway, point-of-sale tool, and customer management dashboard. It runs card and ACH payments, manages customers and billing plans, schedules recurring payments and subscriptions, sends invoices, plugs into e-commerce stores, and handles chargeback responses from one portal.
Yes. Create a customer, set up a billing plan with a name, amount, interval, and statement descriptor, then attach the plan to the customer as a subscription. Subscriptions can start immediately or on a scheduled date, and run until you manually cancel.
Yes. Build invoices with line items, customer details, and amount, then deliver via SMS, email, or both. Invoices carry your branding — logo, brand colors, personalized message. Apply percentage or fixed-dollar discounts. Real-time tracking shows when an invoice is viewed, paid, or overdue.
Yes. Payarc CRM integrates with Magento, WooCommerce, and Spreedly out of the box. For custom websites and apps, the API and SDK library lets developers embed checkout pages, run hosted iframes, and tokenize cards directly into the platform.
ACH is a first-class option. Customers pay via bank account transfer instead of card — useful for B2B invoicing, large recurring payments, and any situation where saving the card-processing fee matters. ACH transactions show in the same dashboard as cards.
Chargeback disputes are managed in the Disputes tab. Each open case lists the merchant's response window, and you upload supporting documents and respond directly through the portal. Payarc reports a 60%+ improvement in dispute response time after consolidating chargeback handling into the same dashboard as transactions and customers.
Yes — a full API and SDK library plus two integration modes: standard merchant integration or PayFac (payment facilitator) integration with split funding and instant sub-merchant boarding. The PayFac path is built for SaaS platforms that want to embed payments and earn revenue share. Tabletop helps you pick the right one.
Send your most recent processor statement. We'll run the numbers, walk you through what Payarc CRM would actually look like in your business, and tell you honestly whether switching is worth it.
Complimentary Cost AnalysisStatement review, savings projection, and full tech stack recommendations.