Every Singapore CA firm has a version of this problem.

You recommend Xero to a client. They sign up. You spend three hours setting it up for them, training them on the basics, and troubleshooting the bank feed that won't connect. Xero earns SGD 65 per month from that client indefinitely. You earned nothing — and spent time you could have billed elsewhere.

This is how the accounting software industry has always worked. Vendors benefit from CA firm recommendations without compensating the firms that drive their growth.

There is a different way.

The Referral Economics Most CA Firms Haven't Modelled

A typical Singapore CA firm serving SMEs has 50-150 active clients. Of those, a significant portion are running their accounting on Excel, on disconnected software, or on tools that create more work for the CA firm at year-end.

If even 20 of those clients adopted software you recommended, at a 25% monthly recurring commission:

20 clients on Base plan (SGD 29/month): 20 × SGD 29 × 25% = SGD 145/month = SGD 1,740/year

20 clients on Pro plan (SGD 79/month): 20 × SGD 79 × 25% = SGD 395/month = SGD 4,740/year

Mixed — 10 Base, 10 Pro: SGD 270/month = SGD 3,240/year

This income requires no additional work once the client is set up. You recommended the software — which you'd do anyway if it genuinely helps your clients — and you earn a percentage of what the client pays every month they use it.

Why This Is Different From Xero's Partner Program

Xero has a partner program for accountants. QuickBooks has one. Zoho Books has one.

None of them pay cash commissions to CA firms. What they offer instead: client subscription discounts, free software for your own practice, and certification status that gets you listed on their directory.

These benefits are real but they're structured to benefit the vendor. A client discount means the client pays less — which is good for the client and for Xero's market penetration — but the CA firm earns nothing. The certification costs you time to complete. The directory listing might generate one or two inbound enquiries per year.

ArcPay's partner programme pays you money. Every month. For clients you already have.

The Three Natural Moments to Recommend ArcPay

You don't need to pitch software to your clients. You recommend it in the context of the work you're already doing.

At GST registration. When a client registers for GST, they immediately need a system to track input and output tax quarterly. "You'll need to start tracking your GST properly now. I recommend ArcPay — it calculates everything automatically and reminds you two weeks before every F5 deadline."

When reviewing year-end accounts. "Your receivables are much higher than last year. It looks like you have several invoices that are 60+ days overdue. Have you considered automating your payment reminders? ArcPay does this — and it's cheaper than what you're losing to late payments."

When clients complain about their current software. "You mentioned your bank feed keeps breaking in Xero. There are Singapore-built options that handle DBS and OCBC natively. Want me to show you what ArcPay looks like?"

In all three cases, you're solving a problem your client has. The commission is a byproduct of good advice.

The Client Benefit Isn't Incidental

The reason this model works long-term is that it's genuinely good for clients. ArcPay makes your clients easier to serve.

When clients use ArcPay, you get:

• Clean, organised invoice data at year-end instead of a folder of PDFs
• GST automatically tracked — your F5 review takes minutes instead of hours
• Bank reconciliation that's largely done automatically — less cleanup work at year-end
• Payment reminders that run without client involvement — fewer calls about why money isn't coming in

Your billable time on these clients decreases. They're happier because they're chasing fewer payments and doing less admin. You earn a commission on top of reduced work. This is the rare arrangement where every party wins.

Getting Started

ArcPay's CA firm partner programme is free to join. You receive:

• A unique referral link for your firm
• A partner dashboard showing referred clients, activation status, and commission earned
• A co-branded landing page for your clients: arcpaysg.com/partners/your-firm-name
• A one-page PDF explainer you can send to clients by email or WhatsApp
• Commission paid monthly via PayNow — no invoicing required

There's no certification requirement. No minimum number of referrals. No exclusivity — you can recommend other software to clients ArcPay isn't right for.

Apply for the partner programme →

Response within 48 hours. Partnership agreement is straightforward — one page.