Your invoices, paid.
Automatically.
AI-powered AP & AR automation for Singapore SMEs. Upload an invoice, approve in one tap, pay via PayNow. Xero syncs itself.
- No credit card
- PayNow native
- IRAS-ready GST
- Cancel anytime
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.
Drop the invoice
Email it, upload the PDF, or forward from Gmail. ArcPay catches it automatically.
AI reads it
AI extracts every field in seconds. You confirm in one tap. No typing.
Team approves
The right approver gets notified. They approve on mobile. Full audit trail recorded.
Pay & Sync
Payment hits the vendor. Xero updates. GST tagged. Receipt auto-attached. Done.
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:
Pricing 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. >98% accuracy on Singapore invoices. Every extraction is confirmed before payment.
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.
Why Singapore SMEs choose ArcPay.
Switching from another tool? We've got detailed comparisons.
Ditch the spreadsheets. Run your business.
Set up ArcPay in 10 minutes. No credit card. No commitment.