Real-time payments, no banking login.
Pay suppliers by PayNow or FAST straight from the approval — settled in real time, receipt attached, Xero updated.
Approve, generate a QR, get it settled.
Tap approve, generate the PayNow QR, then simulate the scan and watch it settle and reconcile into Xero — try it:
Every payment is a detour.
Paying a bill usually means a side quest: log in to internet banking, re-key the amount and reference, screenshot the confirmation, file it somewhere. Multiply by every supplier, every week.
In ArcPay, the payment is the last tap of the approval. The money moves in real time, and the paperwork writes itself.
Approve, pay, reconciled.
Real-time settlement
PayNow and FAST move the money now — not in tomorrow’s batch run.
No credentials stored
Payments authorize directly through PayNow or FAST — ArcPay never holds your internet-banking login.
Reconciled automatically
The payment is marked in Xero and the receipt attached, the moment it settles.
From your phone
Approve and pay in the same tap — no laptop, no token, no queue.
Collect by PayNow too.
The same rails work in reverse: every ArcPay invoice you send carries a PayNow link, so customers pay you in seconds and the receivable reconciles automatically.
One payment network, both sides of your cash flow.
Questions, answered.
How fast do payments settle?
PayNow and FAST are real-time payment rails — settlement happens in seconds, not in overnight batches.
Does ArcPay store my internet-banking login?
No, never. Payments authorize directly through PayNow or FAST. There are no banking credentials in ArcPay to lose.
What is the difference between PayNow and FAST?
Both are Singapore’s instant payment rails. PayNow addresses payments by proxy (UEN or mobile number), while FAST transfers to a bank account number. ArcPay supports both, so you pay each supplier the way they prefer.
What happens after a payment settles?
The bill is marked paid in Xero, the GST code is tagged, and the receipt is attached to the transaction — automatically.
Can a payment go out without approval?
No. Payments only release when your approval rules complete. See Approval Workflows for how the gate works.
Pay your next supplier in seconds.
14-day free trial. No credit card.