Xero is a ledger — clean books, but you (or your bookkeeper) still type in every bill, chase every overdue invoice, and reconcile every PayNow transfer by hand. ArcPay is one tool that does the AP and AR work itself: AI invoice capture, multi-level approvals, PayNow payouts and collection, GST F5 tracking, ACRA-aware vendor checks. Starts at S$79/month.
14-day free trial · No credit card · Cancel anytime
Real problems Singapore SME owners report every month
Xero offers Hubdoc for receipt and bill capture, but it's bundled with the Business plans and tuned globally — not against Singapore supplier formats. ArcPay's AP extraction is the default workflow on every plan and trained on local invoice layouts (GST line, UEN, PayNow reference).
Xero's Singapore version supports GST but has no built-in PayNow or FAST payouts. To pay a supplier you log into internet banking, copy the UEN, copy the amount, hope you got the reference right. ArcPay pays out via PayNow / FAST directly from the approved bill.
Xero was built in New Zealand. Its Singapore edition supports GST F5 only at a basic level — no UEN format checks against ACRA, no InvoiceNow-ready output, no IRAS-aware quarterly reminders. ArcPay was built around these from day one.
Most SG SMEs running Xero end up paying for Xero itself, a separate chase tool (e.g. Chaser, Satago — illustrative ~US$30–50/mo), plus a few hours a week of bookkeeper time. Depending on volume and currency mix, the all-in monthly cost is typically in the low-to-mid hundreds (SGD). ArcPay collapses those line items into one subscription.
How ArcPay SG compares to Xero for Singapore SMEs
| Feature | ArcPay | Xero |
|---|---|---|
| AP: AI invoice extraction (PDF, photo, email) | ✅ Singapore-trained, default | ⚠️ Via Hubdoc add-on (Business+) |
| AP: Multi-level approval workflow | ✅ Built-in | ⚠️ Add-on / 3rd party |
| AP: Pay suppliers via PayNow / FAST | ✅ Native | ❌ Via internet banking |
| AR: PayNow QR on every invoice | ✅ Auto-generated | ❌ Not supported |
| AR: WhatsApp + email chase sequence | ✅ Multi-step + escalation | ⚠️ Basic email reminders |
| AI anomaly / duplicate / fraud detection | ✅ Built-in | ❌ Not available |
| AI cash-flow forecasting | ✅ Built-in | ❌ Not available |
| GST F5 tracker with IRAS-ready export | ✅ Auto-tagged | ⚠️ Basic GST only |
| UEN validation against ACRA format | ✅ Yes | ❌ Not available |
| Singapore-time support | ✅ SGT hours | ⚠️ NZ/AU timezone |
“We were paying for Xero and still had a part-timer chasing overdue invoices on WhatsApp every Friday. ArcPay replaced both.”
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