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 XML export today; transmission coming
- Every figure traceable to source documents
- Built for IRAS compliance — GST F5 and its transaction listing
Everything your finance team actually needs.
Built for Singapore SMEs. Not adapted from a US product. What makes the numbers checkable →
AI Invoice Extraction
Forward any PDF invoice. AI reads vendor name, amount, GST, due date instantly. No manual entry. Ever.
PayNow In, Payments Recorded
A PayNow QR on every invoice you send. Pay suppliers from your own bank, then record it here — ArcPay never moves money or holds your banking login.
Approval Workflows
Multi-level approvals before any bill is cleared to pay. 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. Automatic email reminders, and a one-tap WhatsApp share. 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 & record — from your phone.
Tap approve, pay the supplier from your own banking app, then record it — the bill is marked paid. 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: GST F5 today, InvoiceNow XML export today with transmission coming, 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.
500 invoices / month
Start freePricing that scales with your volume.
Free during beta. No credit card required. Cancel anytime.
For small finance teams moving off spreadsheets.
100 invoices / month
then S$0.50 / extra invoice
Up to 3 users
- AI invoice capture & extraction
- Get paid via PayNow; record supplier payments
- One-tap approvals
- GST tracker
- Xero sync
- Email support
For growing SMEs running real AP & AR volume.
500 invoices / month
then S$0.40 / extra invoice
Up to 10 users
Everything in Lite, plus:
- AR module — send invoices & collect
- Recurring invoices
- Team roles & permissions
- Full AI suite — anomaly, fraud, cash-flow, AI CFO
- Insights dashboard
- Priority support
For high-volume teams that need branding & control.
2,000 invoices / month
then S$0.30 / extra invoice
Up to 25 users
Everything in Growth, plus:
- Custom-branded invoice pages
- Advanced audit logs
- API access
- Dedicated support
For multi-entity groups consolidating their finance stack.
5,000 invoices / month
then S$0.20 / extra invoice
Up to 50 users
Everything in Scale, plus:
- Multi-entity consolidation
- ACRA vendor risk scoring
- Priority onboarding
For large finance orgs with compliance needs.
Unlimited invoices
Unlimited users
Everything in Business, plus:
- Dedicated success manager
- SSO / SAML on request
- 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 | Lite S$49/mo | Growth S$149/mo Most popular | Scale S$399/mo | Business S$799/mo | Enterprise Contact us |
|---|---|---|---|---|---|
| Limits | |||||
Invoices / month | 100 | 500 | 2,000 | 5,000 | Unlimited |
Users included | Up to 3 | Up to 10 | Up to 25 | Up to 50 | Unlimited |
Extra invoice rate Charged only if you exceed the monthly cap | S$0.50 | S$0.40 | S$0.30 | S$0.20 | Included |
| Accounts Payable | |||||
AI invoice capture & extraction | |||||
Record supplier payments (PayNow / FAST / GIRO, paid from your bank) | |||||
Multi-level approval workflows | One-tap | ||||
Anomaly & duplicate detection | — | ||||
Vendor fraud detection | — | ||||
| Accounts Receivable | |||||
Send PayNow invoice links | |||||
Recurring invoices | — | ||||
Automated email 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 CFO | — | ||||
Financial health scorecard Scored 0–100 with an A–E grade, weighted for your industry | — | ||||
Industry benchmarking Your DSO, margins and ratios against industry reference ranges | — | — | |||
Insights dashboard | — | ||||
| Team & security | |||||
Roles & permissions | Basic | ||||
Audit log | Standard | Standard | Advanced | Advanced | Advanced |
API access | — | — | |||
SSO / SAML | — | — | — | — | On request |
| Support | |||||
Support level | Priority | Dedicated | Dedicated | Success manager + SLA | |
Custom onboarding | — | — | — | Priority | |
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 Programme: 20% of everything a referred client pays ArcPay for 24 months, then a 5% lifetime tail for as long as they stay active. 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 when the beta ends?
You'll be asked to pick a plan before anything is charged. 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.