Get paid on time. Pay on time.
Always know your real cash position.
ArcPay is the AI finance team for Singapore SMEs — invoices out, bills paid, GST F5 always ready. Run it on top of Xero, or keep your books here and close every month in ArcPay.
- InvoiceNow XML export today; transmission coming
- Every figure traceable to source documents
- Built for IRAS compliance — GST F5 and its transaction listing
Everything your finance team actually needs.
Built for Singapore SMEs. Not adapted from a US product. What makes the numbers checkable →
AI Invoice Extraction
Forward any PDF invoice. AI reads vendor name, amount, GST, due date instantly. No manual entry. Ever.
PayNow In, Payments Recorded
A PayNow QR on every invoice you send. Pay suppliers from your own bank, then record it here — ArcPay never moves money or holds your banking login.
Approval Workflows
Multi-level approvals before any bill is cleared to pay. Full audit trail. One tap on mobile.
Your books, closed every month
Run on top of Xero, or keep your books here. Entries post as bills, invoices and bank lines happen, and each month closes with a checklist your accountant can sign.
AR Automation
Send PayNow invoice links to customers. Automatic email reminders, and a one-tap WhatsApp share. Get paid faster.
GST F5 Ready
Every transaction tagged with GST code. One-click GST F5 export for IRAS filing. No spreadsheet needed.
From invoice to payment in under 2 minutes.
Click through each step — or watch it walk itself.
Send in the invoice
Email it to your ArcPay inbox, upload the PDF, or forward it from Gmail. Every invoice lands in one queue — nothing gets lost in someone’s mailbox.
Approve, pay & record — from your phone.
Tap approve, pay the supplier from your own banking app, then record it — the bill is marked paid. It's interactive — try it:
Every number, live and traceable.
Make money move and watch every figure follow. Click any figure to see the documents behind it.
Press a button to make money move.
How long does your cash last?
Type what is in the bank and what comes in and goes out each month.
Estimate on what you typed. Nothing is saved or sent. It opens on the sample company’s figures, a fictional business.
Answers with the numbers behind them.
Ask a plain-English question about your finances. ArcPay computes the answer in exact cents and shows its working — try a sample:
A chatbot can tell you a number. ArcPay guarantees it.
Your finances shouldn't rest on a formula that might have missed a row, or an AI that's confident and wrong. Every figure in ArcPay is computed in exact cents, checked in the database, and traceable back to the transaction it came from — before anything explains it to you.
Same question, three ways to answer it
“What's my cash runway?” Every business can get an answer today. The difference is whether you can trust it enough to show an investor — or file it with IRAS. Press Run and see where two of them go wrong.
Same company, same bank lines, three answers. It is the fictional company from the cash position above.
The spreadsheet
Right, until a formula silently skips a row or a tab gets overwritten. The error is invisible, and it's already in the number you're acting on.
Paste it into ChatGPT
Fast and fluent, but it reads a snapshot and does the arithmetic by approximation. It can drop a sign or invent a subtotal and state it with total confidence. Fine for a hunch, not for a filing.
ArcPay
Computed in exact cents, checked in the database, traceable to every transaction behind it. The AI explains the number; it never guesses it. The same figure holds up in a board deck and a tax return.
A chatbot has a view. ArcPay has hands.
A raw AI upload gives you a one-off answer to today's snapshot — no live books, no audit record. You re-paste everything, every time. ArcPay holds your live books so actuals stay current on their own, and keeps planning and actuals in one system — no export, no re-keying. It's built for Singapore filing: GST F5 today, InvoiceNow XML export today with transmission coming, and automated invoice sending and chasing on the way.
If you run the business
You still set the assumptions and the growth story; that's your judgment. ArcPay handles the part that eats your month: pulling actuals, keeping them current, getting the arithmetic exactly right. The runway you show an investor is the same number your books would defend.
If you advise on the numbers
No mystery cells, no "which version is live." Every figure traces through the journals to the underlying transaction, so reviewing the books is following a trail, not reverse-engineering a workbook. What you sign off today reconciles tomorrow.
Three ledgers. One mistake in each.
Click the line you think is wrong, then see what ArcPay would have told you.
DBS statement, 24 to 26 Sep 2026
Sales invoices, week of 21 Sep 2026
DBS statement import, 11 to 17 Sep 2026
0 of 3 found
Sample data for a fictional company.
What would your GST return say?
Type a quarter's sales and purchases. The boxes fill in with the IRAS wording, worked out by ArcPay's own GST engine.
On these figures you would pay S$18,239.40 to IRAS for the quarter.
An estimate at the 9% standard rate on what you typed, for one quarter. Nothing is saved or sent. Boxes 9 to 13 (imports, tourist refunds, bad debts, revenue) are left out. It opens on a sample quarter for a fictional company. In ArcPay the return is read from your ledger, by tax code. How the F5 works in ArcPay
Built around how your industry gets paid.
Pick your trade. The sample invoice, the overdue customers and the CFO answer follow.
Supplier invoice in
| Item | Code | Amount |
|---|---|---|
| Prawns, medium × 12 kg | SR | S$286.80 |
| Chye sim × 18 kg | SR | S$59.40 |
| Red chilli × 6 kg | SR | S$40.25 |
| Garlic, peeled × 10 kg | SR | S$68.00 |
| Subtotal | S$454.45 | |
| GST 9% on SR lines | S$40.90 | |
| Total | S$495.35 | |
GST is worked per line in exact cents.
Overdue customers
- Harbourfront Events Pte Ltd · KS-0214S$6,400.00 · 21 days
- Seletar Office Pantry Pte Ltd · KS-0219S$2,180.00 · 9 days
The CFO answers
Who owes me for catering?
Two customers are overdue, S$8,580.00 in total on 29 Sep 2026. The larger is Harbourfront Events Pte Ltd, S$6,400.00 on KS-0214, 21 days late. The GST on this week’s produce invoice is input tax you can claim once it is in your books.
- Snap, forward, or upload — AI extraction does the rest
- Line-item price tracking
- Approvals that match how kitchens run
- AR aging by project, not just by customer
- Retention tracked as its own receivable
- Automated, professional follow-ups
- Bank-feed import + AR reconciliation engine
- Statements of account generated from live data
- Payment behavior per customer
- Recurring invoices
- Automated reminder sequences
- Client payment scorecards
- Per-line GST treatment
- Recurring and templated invoicing
- Automated dunning across the whole debtor book
- Bank-feed import + reconciliation
- Supplier invoice capture with approvals
- AI CFO cash position
- AR aging by payer
- Automated follow-up sequences
- Payer scorecards
- Recurring term billing
- Reconciliation engine
- Reminder sequences tuned for parents
Explore a demo company.
No sign-up. Walk through a sample book with invoices, bills and bank lines, read-only.
How much will ArcPay cost you?
Drag the sliders to your monthly invoice volume and team size — we'll recommend the plan that fits.
Best value for 320 invoices/mo across 6 users.
S$149 base + S$125 for 5 extra users
Start freePricing that scales with your volume.
Free during beta. No credit card required. Cancel anytime.
For small finance teams moving off spreadsheets.
100 invoices / month
then S$0.50 / extra invoice
1 user included · S$25 per extra user
- AI invoice capture & extraction
- Get paid via PayNow; record supplier payments
- One-tap approvals
- GST tracker
- Xero sync
- AI CFO — 25 questions a month
- Email support
For growing SMEs running real AP & AR volume.
500 invoices / month
then S$0.40 / extra invoice
1 user included · S$25 per extra user
Everything in Lite, plus:
- AR module — send invoices & collect
- Recurring invoices
- Team roles & permissions
- Full AI suite — anomaly, fraud, cash-flow
- AI CFO — 100 questions a month
- Insights dashboard
- Priority support
For high-volume teams that need branding & control.
2,000 invoices / month
then S$0.30 / extra invoice
1 user included · S$25 per extra user
Everything in Growth, plus:
- AI CFO — 450 questions a month
- Custom-branded invoice pages
- Advanced audit logs
- API access
- Dedicated support
For multi-entity groups consolidating their finance stack.
5,000 invoices / month
then S$0.20 / extra invoice
1 user included · S$25 per extra user
Everything in Scale, plus:
- AI CFO — 1,000 questions a month
- Multi-entity consolidation
- ACRA vendor risk scoring
- Priority onboarding
For large finance orgs with compliance needs.
Unlimited invoices
Users by contract
Everything in Business, plus:
- AI CFO — 1,500 questions a month, more by contract
- Dedicated success manager
- SSO / SAML on request
- Custom onboarding & SLA
Higher volume or custom requirements? Talk to sales.
Every feature, side by side.
See exactly what's included in each tier. Switch any time — no contracts.
| Feature | Lite S$49/mo | Growth S$149/mo Most popular | Scale S$399/mo | Business S$799/mo | Enterprise Contact us |
|---|---|---|---|---|---|
| Limits | |||||
Invoices / month | 100 | 500 | 2,000 | 5,000 | Unlimited |
Users included Every further user is S$25 / month and adds 15 AI CFO questions | 1 | 1 | 1 | 1 | By contract |
AI CFO questions / month Included with the plan; each extra user adds 15 | 25 | 100 | 450 | 1,000 | 1,500+ |
Extra invoice rate Charged only if you exceed the monthly cap | S$0.50 | S$0.40 | S$0.30 | S$0.20 | Included |
| Accounts Payable | |||||
AI invoice capture & extraction | |||||
Record supplier payments (PayNow / FAST / GIRO, paid from your bank) | |||||
Multi-level approval workflows | One-tap | ||||
Anomaly & duplicate detection | — | ||||
Vendor fraud detection | — | ||||
| Accounts Receivable | |||||
Send PayNow invoice links | |||||
Recurring invoices | — | ||||
Automated email reminders | |||||
Custom-branded invoice pages | — | — | |||
| Singapore compliance | |||||
GST tracker & F5 export | |||||
Xero two-way sync | |||||
UEN verification | |||||
Multi-entity consolidation | — | — | — | ||
ACRA vendor risk scoring | — | — | — | ||
| AI & insights | |||||
AI cash-flow forecasting | — | ||||
AI CFO | |||||
Financial health scorecard Scored 0–100 with an A–E grade, weighted for your industry | — | ||||
Industry benchmarking Your DSO, margins and ratios against industry reference ranges | — | — | |||
Insights dashboard | — | ||||
| Team & security | |||||
Roles & permissions | Basic | ||||
Audit log | Standard | Standard | Advanced | Advanced | Advanced |
API access | — | — | |||
SSO / SAML | — | — | — | — | On request |
| Support | |||||
Support level | Priority | Dedicated | Dedicated | Success manager + SLA | |
Custom onboarding | — | — | — | Priority | |
Questions, answered.
Is ArcPay safe? Where is my data stored?
All data is stored on AWS Singapore (ap-southeast-1) with bank-grade encryption. We do not store bank credentials — payments authorize directly through PayNow or FAST.
Can my accountant or CA firm use ArcPay too?
Absolutely. We offer free accountant seats and a CA Partner Programme: 20% of everything a referred client pays ArcPay for 24 months, then a 5% lifetime tail for as long as they stay active. See arcpaysg.com/accountants for details.
How accurate is the AI invoice extraction?
Powered by enterprise-grade AI, tuned for Singapore invoice formats — GST lines, UEN and SGD amounts. And because every extraction is reviewed and confirmed by you before payment, the numbers in your books are ones you have checked.
Why not just use ChatGPT or a spreadsheet?
A spreadsheet or a chatbot can produce a financial number in seconds — and often it's roughly right. The problem is you can't tell when it's wrong. A skipped row or an approximated subtotal looks identical to a correct one, and in finance a confident wrong answer is worse than none. ArcPay computes every figure in exact cents, verifies it in the database, and traces it to source before showing it to you. It's the difference between a tool that comments on your finances and one you can run them on.
What happens when the beta ends?
You'll be asked to pick a plan before anything is charged. No auto-charge. Export your data anytime before you decide.
Ditch the spreadsheets. Run your business.
Set up ArcPay in 10 minutes. No credit card. No commitment.