---
title: "Arca: Payment Gateway in Nigeria & Kenya"
description: "Manage POS terminals, accept online payments, run bulk payouts and sweep collections across Nigeria & Kenya. Web, APIs and a free sandbox."
canonical_url: "https://liners.com/arca"
markdown_url: "https://liners.com/arca.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/arca/screenshot.webp?v=1772269174950"
published_at: "2026-03-19T05:29:51.500Z"
updated_at: "2026-09-20T20:38:50.667Z"
---

# Arca: Payment Gateway in Nigeria & Kenya

Manage POS terminals, accept online payments, run bulk payouts and sweep collections across Nigeria & Kenya. Web, APIs and a free sandbox.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Arca](/arca)

## Summary

Payment processing, collections, and disbursements for Africa

A digital payments platform for banks, businesses, governments, and developers to manage POS terminals, accept online payments, run bulk disbursements, and collect funds.

## Product details

| Field | Value |
| --- | --- |
| Website | https://arca.network/ |
| Tagline | Payment processing, collections, and disbursements for Africa |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/arca/alternatives)
- [Reviews](/arca/reviews)
- [Transparency](/arca/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/arca)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)