QuickBooks Online has no native PayNow, no IRAS-ready GST F5 workflow, and no UEN validation. Singapore SMEs end up bolting on bank-feed fixes, chasing tools, and bookkeeper hours to make it work. ArcPay does AP, AR, GST, PayNow and AI in one Singapore-built product. Starts at S$79/month.
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Real problems Singapore SME owners report every month
QuickBooks was designed around US tax law and USD payments. The Singapore edition has GST and SGD, but PayNow, InvoiceNow, ACRA-aware vendor checks, and IRAS quarterly cadence are all afterthoughts. ArcPay treats them as the default.
QuickBooks supports DBS, OCBC, and UOB feeds — but Singapore SMEs regularly report disconnections, duplicate transactions, and silent feed failures. You end up reconciling CSVs by hand. ArcPay's bank ledger is built around uploading and matching directly, not waiting for a flaky feed.
Filing GST F5 from QuickBooks usually means custom reports, manual reconciliation, and a bookkeeper to tie it back to invoices. ArcPay tags every transaction with its GST code at point of capture, so F5 is a one-click export.
QuickBooks Simple Start and Essentials sit around S$27–42/mo. Add a chase tool (e.g. Chaser, Satago — illustrative ~US$30–50/mo) and bookkeeper hours for the things QuickBooks doesn't do well in SG (PayNow reconciliation, F5 workpapers, UEN/ACRA checks), and SG SMEs typically end up in the low-to-mid hundreds (SGD) all-in. ArcPay rolls those into one subscription.
How ArcPay SG compares to QuickBooks for Singapore SMEs
| Feature | ArcPay | QuickBooks |
|---|---|---|
| AP: AI invoice extraction | ✅ Singapore-trained, default | ⚠️ Receipt Capture (US-tuned) |
| AP: PayNow / FAST payouts | ✅ Native | ❌ Via internet banking |
| AP: Multi-level approval workflow | ✅ Built-in | ⚠️ Basic on higher tier |
| AR: PayNow QR on every invoice | ✅ Auto-generated | ❌ Not supported |
| AR: WhatsApp + email chase sequence | ✅ Multi-step + escalation | ⚠️ Basic email reminders |
| GST F5 — auto-tagged + IRAS export | ✅ Yes | ⚠️ Manual export |
| UEN format validation | ✅ Yes | ❌ No UEN field |
| Singapore bank handling (DBS/OCBC/UOB) | ✅ Upload + auto-match | ⚠️ Feeds frequently break |
| AI anomaly / duplicate detection | ✅ Built-in | ❌ Not available |
| Support hours | ✅ SGT | ❌ US timezone |
“QuickBooks kept disconnecting from our OCBC feed. We spent more time fixing the integration than actually doing accounts.”
Every feature in ArcPay was built with a Singapore SME owner in mind. PayNow payments, GST F5 automation, UEN verification, IRAS quarterly reminders, and AI trained on Singapore vendor invoices. Not a North American product retrofitted for Asia.
14-day free trial. Full access. No credit card. Import your existing invoices in under 5 minutes.
Trusted by Singapore SMEs · PayNow native · GST ready · IRAS compliant