Get paid by PayNow. Record what you pay.
Every invoice you send carries a PayNow QR. Supplier payments you make from your own bank are recorded against the bill — ArcPay never moves money or holds your banking login.
Approve, pay from your bank, record it.
Tap approve, pay the supplier in your own banking app, then record it — the bill is marked paid. Try it:
You pay from your bank. ArcPay keeps the record.
ArcPay does not send money. You pay suppliers by PayNow, FAST or GIRO from your own internet banking, as you do today — there are no banking credentials in ArcPay to lose.
The payment run shows which approved bills to pay this week against your projected cash. Record each payment against its bill, or import the bank statement and let ArcPay suggest the match.
Collect, record, match.
PayNow on every invoice
Each invoice carries a PayNow QR with its invoice number as the reference, so the payment names what it pays.
No credentials stored
ArcPay never holds your internet-banking login and never moves money on your behalf.
Matched on import
Import the bank statement and each PayNow credit is proposed against the invoice whose number it carries — or matched automatically if you switch that on.
Approve from your phone
Approve bills in one tap; pay them from your banking app when you are ready.
Customers pay by PayNow.
Every ArcPay invoice you send carries a PayNow QR, so customers pay you in seconds from their own banking app.
When you import the bank statement, the credit is proposed against the invoice it names — no live bank feed yet, one file does it.
Questions, answered.
Can ArcPay pay my suppliers?
No. ArcPay does not move money. You pay suppliers from your own bank by PayNow, FAST or GIRO and record the payment in ArcPay, which closes the bill.
Does ArcPay store my internet-banking login?
No, never. 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. You can record a supplier payment made either way.
How do customer payments get matched?
Import your bank statement (CSV, OFX or PDF); a PayNow credit carrying the invoice number is proposed against that invoice, or matched automatically if you turn auto-matching on. Live bank feeds are coming, not here yet.
Can a bill be cleared to pay without approval?
No. A bill is cleared to pay only when your approval rules complete. See Approval Workflows for how the gate works.
Send your next invoice with a PayNow QR.
Free during beta. No credit card.