Why ArcPay
Lower costs, faster settlement, and compliance built in. ArcPay puts PayTo to work for high-volume Australian merchants.
PayTo runs on account-to-account rails, sidestepping the interchange and scheme fees that make cards expensive at volume.
Funds move in seconds over the New Payments Platform, not days. Your cash flow stops waiting on batch windows.
Payers approve in their own banking app with a tap. No card numbers, no manual entry, no abandoned checkouts.
Built around the Australian Privacy Principles and PayTo's mandate framework, so compliance is the default.
Every payment is authorised by the payer's bank, which means no card fraud and far fewer chargebacks.
A modern integration and a hands-on team get you live in days, not the weeks legacy gateways demand.
A simple checkout flow, from start to finish.
Payers verify instantly with their phone number and get straight to the payer flow.
Customers link their bank account once.
A PayTo request is sent straight to their banking app for approval, keeping every payment authorised and secure. Returning payers pay by simply selecting their previously used bank.
Once payment is confirmed, customers land back on your platform.
Payers verify instantly with their phone number and get straight to the payer flow.
Customers link their bank account once.
A PayTo request is sent straight to their banking app for approval, keeping every payment authorised and secure. Returning payers pay by simply selecting their previously used bank.
Once payment is confirmed, customers land back on your platform.
PayTo vs cards
Built on Australia's real-time payment rails
+ every other bank on the New Payments Platform
Early access
Join the waitlist to be one of the first merchants onboarded.
