About ArcPay SG

AP & AR automation built for Singapore SMEs.

ArcPay SG is an AI-powered invoicing and financial management platform built specifically for Singapore small and medium businesses. We automate the work that eats up a finance team's week — reading invoices, tracking GST, matching payments to the bank, chasing receivables, and keeping the books reconciliation-ready.

Why we built it

Most accounting tools were designed for somewhere else and bolted on Singapore support afterwards. ArcPay starts from the local reality: GST at the prevailing rate, IRAS reporting, PayNow as the default way to get paid, and ACRA-registered entities. The result is software that speaks Singapore out of the box, instead of asking you to work around assumptions made for another market.

Who it's for

Singapore SMEs across F&B, retail, professional services, construction, and logistics — typically 1 to 50 employees. Chartered accountancy firms also use ArcPay to manage their clients' books from a single place.

What ArcPay does

• AI invoice extraction — upload a PDF or photo of a bill and ArcPay reads the vendor, dates, amounts, GST, and line items for you to review.
• GST & IRAS-ready records — input-tax claimability checks and reporting built around Singapore's rules.
• PayNow native — generate PayNow QR codes so customers can pay an invoice in seconds.
• Bank reconciliation — import statements and match transactions to invoices and bills with AI-assisted suggestions.
• AR automation — send invoices, track what's outstanding, and follow up on overdue payments.
• Xero connected — keep ArcPay and your existing accounting stack in sync.

How we think about AI

AI does the heavy lifting, but you stay in control. Extracted data and AI suggestions — categorisation, matches, anomaly flags — are always shown for review before anything is saved or filed. Your data is processed under our enterprise agreement with Anthropic and is not used to train AI models. ArcPay is an accounting tool, not a financial institution: we never hold, move, or intermediate funds.

Built in Singapore

ArcPay SG is built and run in Singapore, for Singapore businesses. We'd love to hear what would make your month-end faster.

Get in touch

Questions, feedback, or partnership enquiries? Reach us at info@arcpaysg.com. Accountancy firms can learn more on our CA Partners page, or start a free trial to see ArcPay in action.