300 invoices a month. Customers who pay “$8,412.50 for last month, minus the credit note.”
ArcPay’s reconciliation engine untangles lump-sum payments, partial payments and credit notes — so your AR aging is actually true.
From SGD 49/month · Built for Singapore · Syncs with Xero
The problems nobody else talks about
Every wholesale tool obsesses over inventory and orders — almost nothing untangles what happens when the money actually arrives.
Payments don’t match invoices.
Retailers pay round numbers against a statement, short-pay for disputed items, and deduct credit notes you issued three months ago. Matching one bank inflow to eleven invoices is the daily reality, and doing it by hand is where your admin headcount goes.
Your aging report lies.
Because unmatched payments sit in suspense, the aging shows customers as overdue when they’ve paid — so your team chases the wrong people and damages the relationships that matter.
Credit decisions run on gut feel.
You extend 30–60 day terms to dozens of retailers with no systematic view of who’s stretching from 45 to 70 days — the classic early warning of a customer about to default.
Lump sums, untangled.
Bank-feed import + AR reconciliation engine.
Inflows are matched against open invoices — exact matches, partial payments, multi-invoice lump sums — with a review workspace for the genuinely ambiguous ones. What took a morning takes minutes.
Statements of account generated from live data
So what you send the retailer always matches what your ledger says.
Payment behavior per customer.
DSO trends by account surface the retailer who’s quietly slipping — before their next order doubles your exposure.
AI CFO for credit questions
Every figure deterministic, every figure traceable to source rows.
“Which customers’ average days-to-pay worsened this quarter, and what’s my total exposure to them?”Xero sync
Keeps your accountant’s books aligned without double entry — 9 entity types, bidirectional.
A morning of matching, done by 8:45.
You import this morning’s bank statement — a lump-sum transfer from a retailer, no invoice numbers in the reference.
The reconciliation engine matches it to eleven open invoices, including a partial payment and a credit note.
One genuinely ambiguous inflow waits in the review workspace; your AR exec settles it in two clicks.
The aging refreshes — and the team chases only the customers who actually owe.
A retailer disputes their balance; a statement of account generated from live data settles it.
DSO trends flag an account slipping past its terms — the credit conversation happens before the next order ships.
The morning that used to disappear into matching was over before the coffee was — and the chase list held only the customers who actually owed.
The aging is only useful if it’s true.
ArcPay is built in Singapore for Singapore wholesalers and distributors — GST-native, Xero-connected, and priced for SMEs.
Start free- Aging reports you can act on the same day
- Chase the right customers, stop annoying the ones who paid
- See credit risk building weeks earlier