Arca

Arca is a digital payment platform for businesses, government institutions, financial institutions, developers, and consumers that need payment processing, collections, and payment management in Africa.

Key capabilities include:

• POS terminal management (Arca TMS): Monitors and manages POS terminals and merchants, with monitoring and analytics to support in-person payment operations.
• Bulk payouts (Arca Disbursement): Automates bulk payments to multiple beneficiaries for use cases such as payroll and other mass disbursement programs.
• Online payment acceptance (Arca Pay): A payment gateway designed to integrate with business software so merchants can accept electronic payments via multiple payment methods.
• Collections and fund sweeping (Arca Collections): Supports fund collection services through collection APIs and applications, including fund sweeping workflows.

Available on Web and via APIs (including a free API sandbox for testing integrations).

Target users include banks and financial institutions, SMEs and corporate businesses, government agencies handling revenue collection and disbursement, fintechs and developers building payment features, and individual customers using services like agency banking and bill payments.

Notable in the African payments ecosystem because it is licensed by the Central Bank of Nigeria (CBN) and operates across Nigeria and Kenya, offering a suite that spans gateway payments, switching and card transaction management, POS operations, and public-sector collections and disbursements.