Zoho Books is a competent ledger, but it still expects you to do the AP and AR work. ArcPay is the work itself — AI extracts the invoice, approvals route themselves, reminders go out automatically, and PayNow is built in. Starts at S$79/month, replaces ledger + chase tool + bookkeeper hours.
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Real problems Singapore SME owners report every month
Zoho Books free is fine until you need more than one user, recurring invoices, or approval workflows — then you're on the paid tier. And even on paid plans, AP automation, fraud detection, and AI assistants aren't included. ArcPay's full AI suite is included from the Growth tier.
Zoho Books was designed around Indian SMEs and Indian tax law. The Singapore edition supports GST, but the workflow defaults — vendor onboarding, payment rails, compliance cadence — are inherited from another market. ArcPay is built around Singapore: PayNow, IRAS, ACRA, UEN.
Zoho's AI assistant (Zia) is a horizontal chatbot across the Zoho suite. It can't extract a Singapore vendor invoice with confidence, flag a duplicate payment, or score a vendor against ACRA records. ArcPay's AI is purpose-built for AP and AR on Singapore data.
Zoho's pricing leans on selling you the rest of the suite — CRM, Inventory, People. If you only need clean AP/AR automation, you're paying for adjacent products you don't use. ArcPay does one thing — accounts automation — and connects out to Xero, WhatsApp, your bank, and Resend for email.
How ArcPay SG compares to Zoho Books for Singapore SMEs
| Feature | ArcPay | Zoho Books |
|---|---|---|
| AP: AI invoice extraction (Singapore-trained) | ✅ Yes | ⚠️ Generic OCR (Zia) |
| AP: Multi-level approval workflow | ✅ Built-in | ⚠️ Higher tiers only |
| AP: PayNow / FAST payouts | ✅ Native | ❌ Not supported |
| AR: PayNow QR on every invoice | ✅ Auto-generated | ❌ Not supported |
| AR: WhatsApp + email chase sequence | ✅ Multi-step + escalation | ⚠️ Basic email reminders |
| GST anomaly detection (AI) | ✅ Pre-filing flag | ❌ Not available |
| Duplicate invoice / fraud detection | ✅ Built-in | ❌ Manual |
| Two-way Xero sync | ✅ Yes | ⚠️ One-way export |
| ACRA-aware vendor verification | ✅ Yes | ❌ Not available |
| Singapore-first product roadmap | ✅ Yes | ⚠️ India-first |
“Zoho was fine for the first year. Then we hired a second person to approve invoices and realised we were still doing everything manually.”
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