Get paid on time. Pay on time.
Always know your real cash position.
ArcPay is the AI finance team for Singapore SMEs — invoices out, bills paid, GST F5 always ready. Keep Xero as your books; ArcPay runs on top.
- InvoiceNow/Peppol-ready
- Every figure traceable to source documents
- Built for IRAS compliance — GST F5, Audit File export
Everything your finance team actually needs.
Built for Singapore SMEs. Not adapted from a US product.
AI Invoice Extraction
Forward any PDF invoice. AI reads vendor name, amount, GST, due date instantly. No manual entry. Ever.
PayNow & FAST Payments
Pay suppliers directly via PayNow or FAST. Real-time settlement. No internet banking login required.
Approval Workflows
Multi-level approvals before any payment goes out. Full audit trail. One tap on mobile.
Xero Two-Way Sync
Bills created, payments marked, GST tagged — all in Xero automatically. Your accountant will love you.
AR Automation
Send PayNow invoice links to customers. Auto-reminders via WhatsApp and email. Get paid faster.
GST F5 Ready
Every transaction tagged with GST code. One-click GST F5 export for IRAS filing. No spreadsheet needed.
From invoice to payment in under 2 minutes.
Click through each step — or watch it walk itself.
Send in the invoice
Email it to your ArcPay inbox, upload the PDF, or forward it from Gmail. Every invoice lands in one queue — nothing gets lost in someone’s mailbox.
Approve, pay & sync — from your phone.
Tap approve, generate a PayNow QR, then simulate the scan and watch the payment auto-reconcile into Xero. It's interactive — try it:
Every number, live and traceable.
Cash in, cash out, runway and what you're owed — updated as money moves, every figure traceable to a source document.
Answers with the numbers behind them.
Ask a plain-English question about your finances. ArcPay computes the answer in exact cents and shows its working — try a sample:
A chatbot can tell you a number. ArcPay guarantees it.
Your finances shouldn't rest on a formula that might have missed a row, or an AI that's confident and wrong. Every figure in ArcPay is computed in exact cents, checked in the database, and traceable back to the transaction it came from — before anything explains it to you.
Same question, three ways to answer it
“What's my cash runway?” Every business can get an answer today. The difference is whether you can trust it enough to show an investor — or file it with IRAS.
The spreadsheet
Right, until a formula silently skips a row or a tab gets overwritten. The error is invisible, and it's already in the number you're acting on.
Paste it into ChatGPT
Fast and fluent, but it reads a snapshot and does the arithmetic by approximation. It can drop a sign or invent a subtotal and state it with total confidence. Fine for a hunch, not for a filing.
ArcPay
Computed in exact cents, checked in the database, traceable to every transaction behind it. The AI explains the number; it never guesses it. The same figure holds up in a board deck and a tax return.
A chatbot has a view. ArcPay has hands.
A raw AI upload gives you a one-off answer to today's snapshot — no live books, no audit record. You re-paste everything, every time. ArcPay holds your live books so actuals stay current on their own, and keeps planning and actuals in one system — no export, no re-keying. It's built for Singapore filing, with GST F5, InvoiceNow e-invoicing, and automated invoice sending and chasing on the way.
If you run the business
You still set the assumptions and the growth story; that's your judgment. ArcPay handles the part that eats your month: pulling actuals, keeping them current, getting the arithmetic exactly right. The runway you show an investor is the same number your books would defend.
If you advise on the numbers
No mystery cells, no "which version is live." Every figure traces through the journals to the underlying transaction, so reviewing the books is following a trail, not reverse-engineering a workbook. What you sign off today reconciles tomorrow.
Built around how your industry gets paid.
How much will ArcPay cost you?
Drag the sliders to your monthly invoice volume and team size — we'll recommend the plan that fits.
Best value for 320 invoices/mo across 6 users.
Save S$396/year on annual billing
Start free trialPricing that scales with your volume.
Start free for 14 days. No credit card required. Cancel anytime.
For small finance teams moving off spreadsheets.
S$66/mo billed annually
100 invoices / month
then S$0.50 / extra invoice
Up to 3 users
- AI invoice capture & extraction
- Pay & get paid via PayNow
- One-tap approvals
- GST tracker
- Xero sync
- Email support
For growing SMEs running real AP & AR volume.
S$166/mo billed annually
500 invoices / month
then S$0.40 / extra invoice
Up to 10 users
Everything in Starter, plus:
- AR module — send invoices & collect
- Recurring invoices
- Team roles & permissions
- Full AI suite — anomaly, fraud, cash-flow, assistant
- Insights dashboard
- Priority support
For high-volume teams that need branding & control.
S$416/mo billed annually
2,000 invoices / month
then S$0.30 / extra invoice
Up to 25 users
Everything in Growth, plus:
- WhatsApp invoicing & reminders
- Custom-branded invoice pages
- Advanced audit logs
- API access
- Dedicated support
For large finance orgs with compliance needs.
S$1,083/mo billed annually
Unlimited invoices
Unlimited users
Everything in Scale, plus:
- SSO / SAML
- Multi-entity consolidation
- ACRA vendor risk scoring
- Dedicated success manager
- Custom onboarding & SLA
Higher volume or custom requirements? Talk to sales.
Every feature, side by side.
See exactly what's included in each tier. Switch any time — no contracts.
| Feature | Starter S$79/mo | Growth S$199/mo Most popular | Scale S$499/mo | Enterprise S$1,299/mo |
|---|---|---|---|---|
| Limits | ||||
Invoices / month | 100 | 500 | 2,000 | Unlimited |
Users included | Up to 3 | Up to 10 | Up to 25 | Unlimited |
Extra invoice rate Charged only if you exceed the monthly cap | S$0.50 | S$0.40 | S$0.30 | Included |
| Accounts Payable | ||||
AI invoice capture & extraction | ||||
Pay suppliers via PayNow / FAST | ||||
Multi-level approval workflows | One-tap | |||
Anomaly & duplicate detection | — | |||
Vendor fraud detection | — | |||
| Accounts Receivable | ||||
Send PayNow invoice links | ||||
Recurring invoices | — | |||
Automated email reminders | ||||
WhatsApp invoicing & reminders | — | — | ||
Custom-branded invoice pages | — | — | ||
| Singapore compliance | ||||
GST tracker & F5 export | ||||
Xero two-way sync | ||||
UEN verification | ||||
Multi-entity consolidation | — | — | — | |
ACRA vendor risk scoring | — | — | — | |
| AI & insights | ||||
AI cash-flow forecasting | — | |||
AI assistant | — | |||
Insights dashboard | — | |||
| Team & security | ||||
Roles & permissions | Basic | |||
Audit log | Standard | Standard | Advanced | Advanced |
API access | — | — | ||
SSO / SAML | — | — | — | |
| Support | ||||
Support level | Priority | Dedicated | Success manager + SLA | |
Custom onboarding | — | — | — | |
Questions, answered.
Is ArcPay safe? Where is my data stored?
All data is stored on AWS Singapore (ap-southeast-1) with bank-grade encryption. We do not store bank credentials — payments authorize directly through PayNow or FAST.
Can my accountant or CA firm use ArcPay too?
Absolutely. We offer free accountant seats and a CA Partner Program with 20% commission for the first 12 months per referred client. See arcpaysg.com/accountants for details.
How accurate is the AI invoice extraction?
Powered by enterprise-grade AI, tuned for Singapore invoice formats — GST lines, UEN and SGD amounts. And because every extraction is reviewed and confirmed by you before payment, the numbers in your books are ones you have checked.
Why not just use ChatGPT or a spreadsheet?
A spreadsheet or a chatbot can produce a financial number in seconds — and often it's roughly right. The problem is you can't tell when it's wrong. A skipped row or an approximated subtotal looks identical to a correct one, and in finance a confident wrong answer is worse than none. ArcPay computes every figure in exact cents, verifies it in the database, and traces it to source before showing it to you. It's the difference between a tool that comments on your finances and one you can run them on.
What happens after the 14-day trial?
You'll be asked to pick a plan. No auto-charge. Export your data anytime before you decide.
Ditch the spreadsheets. Run your business.
Set up ArcPay in 10 minutes. No credit card. No commitment.