FAQs

General

So, what exactly is Archa?

Archa is the only business credit card that helps you manage your business spending, reduce admin time and focus more on the big picture - so you don't waste time dealing with the hassle of financial admin. Issue cards instantly, onboard employees, track spending and reconcile expenses in real-time, giving you total oversight and control of your finances.

How does Archa work?

Once you have sped through our easy sign-up process, you will receive a physical Archa card which you can use to make purchases anywhere that Mastercard® is accepted. You can then use the Archa app to assign cards to employees, manage your company spend in real-time, freeze and unfreeze cards and much more, all from your smart device.

Who can use Archa?

If you are a small to medium-sized business based in Australia, with anywhere from 1 - 100 employees, and your business uses accounting software, then Archa is right for you.

Where can I use Archa?

Archa is available for all small to medium-sized businesses in Australia, and our cards can be used worldwide, wherever Mastercard® is accepted.

How much does Archa cost?

Archa is priced differently depending on your needs as a business owner. We have flexible options depending on factors like the size of your business and how much credit you want.

Learn more about pricing

Applications

How do I apply for Archa?

Applying for Archa is as simple as filling out the get started form on our website and completing the full application, including sharing your business bank statements.

How long will it take?

You’ll receive an application decision within 48 hours. Once approved we will send you an Archa card by registered post.

What information do I need to provide?

When you sign up, we'll need access to 6 - 12 months of your business bank statements, giving us the information we need to do our credit underwriting for your business. We also need some additional personal identification information (Drivers Licence or Passport details) from the owners and team members in your business who will be managing the cards we issue. This protects your business by ensuring we are meeting our Anti-Fraud responsibilities by clearly verifying everyone's identity.

Why does Archa need access to my business accounts?

When we underwrite your business, we utilise data from your business bank accounts to determine your business’s creditworthiness. So we can provide you with spend management tools and a business credit card without you needing to give a personal guarantee.

Will my personal credit be affected?

No, applying for Archa will never affect your personal credit score, and we do not require a personal guarantee from the business owners. Instead, our underwriting process determines your business’s creditworthiness using your business’s bank and accounting data and allows us to provide your business with credit based on those results.

Setup

How do I set up Tap & Pay?

To add you card to Apple Pay:

On iPhone, open the Wallet app and tap the “+” sign.

For Apple Watch, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”

On iPad, go to Settings, open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.”

On MacBook Pro with Touch ID, go to System Preferences, select “Wallet & Apple Pay,” then select “Add Card.”

To add your card to GooglePay:

First, download the Archa app from Google Play or the App Store. Then, just follow the instructions in the app. You can also set up GooglePay on the web at pay.google.com.

How do I issue my employee a card?

It’s easy to issue company cards from the Archa app. Enter your employee’s details, set a credit limit, and we’ll organise to have those cards sent directly to your employees or your workplace. Simply fill out the form multiple times to issue cards to your whole team.

How are the cards linked to my account?

All new cardholders will share the company credit limit with your card equally. For example: if your card has a $5,000 limit, that will now be shared between the new employees added. You are then able to view all the transactions made under your account in your monthly statement.

How do I view my employee's transactions?

You can view all transactions made by cards connected to your account within the Archa App. In addition, transactions are also viewable on the monthly PDF and CSV billing statements, available for download on the 15th of every month via the primary account holders' Archa App.

How do employee credit limits work?

Set a credit limit on staff cards so your employees can only spend up to that limit. The set limit will be shown in their Archa app. Credit limits work on a pool structure, which means that businesses cannot overspend their total business credit limit. When primary or secondary cardholders make transactions, the available balance shown in each cardholder's app will update to reflect the remaining credit limit available to them left in the pool. Primary cardholders will automatically have a credit limit set the same as the business limit.

What credit limit should I set for my employees?

It’s up to you! First, consider your total business credit limit and how much you expect your employees to spend regularly. We recommend setting a limit that you feel comfortable with, but also allows you to set and forget - that’s the benefit of a credit card vs a pre-paid card.

How can I change my employee’s credit limit?

Soon it will be easy to update employee credit limits from the Archa App. But until this version is released, you can always contact help@archa.com.au for more information.

Xero Bank Feed Integration

What is a bank feed?

Archa pushes our customers’ transaction data to their connected Xero account every hour. All of these transactions are grouped together and referred to as a “bank feed”.

How does the Archa connection to Xero work?

When you connect your Xero account to Archa, you give Archa permission to send transactions to your Xero account. A bank feed will be created in Xero, and from then on, your transactions will sync to Xero hourly once they are cleared.

How do I connect my Archa account to Xero?

Connecting to Xero is easy and will only take a few minutes.

Make sure your Archa app is up to date
Log into your Archa app
Select the “Home” tab in the bottom left navigation tab
Tap the “Xero integration” button, then tap “Connect Xero”
If you are not yet logged into Xero, you will be prompted to log in. Enter your Xero log in details.
You will be brought to the Xero authorisation page, select “Allow access.” This allows Archa to connect to your Xero account.
Choose the organisation within your Xero account you would like to connect to Archa. Most Xero accounts will likely only have one organisation. This step allows Archa to connect to the specific Xero organisation.
Customers that already have created an Archa credit card account in Xero will select an account from the presented list. Customers that have not yet created an Archa credit card account can create one and connect to it.
Select “Next” and then “Done”, all non-pending transactions will now automatically sync to Xero hourly.
All done! Now you can easily reconcile all your expenses.

As an external accountant, how can I connect my client's account to Xero?

The first option is to create an account for your client and let them to activate the integration:

Create an account for your client by going into your client’s Xero company settings, go to Users, then go to Invite user, select Business and Accounting and select access level of Standard or Advisor. The rest of the settings can be configured to your liking.

Ask your client to accept the invitation to join Xero, and connect from the Archa app. If they have an questions, this FAQ should be a handy resource.

The second less convenient option is to meet with your client and use Archa app on their smartphone and your Xero credentials to activate the integration.

How often and why will my new Archa transactions sync to Xero?

Once new transactions are cleared they are uploaded to Xero every hour. However, it usually takes between 2-5 business days for pending transactions to be cleared.

My Archa card transactions are not syncing to Xero, what is wrong?

If you have followed our guide on linking your Archa Account to Xero, your transactions should sync hourly once they are cleared. Sometimes it takes 4-10 business days for a transaction to go from pending to cleared. Once transactions are cleared, Archa will sync with Xero hourly. If you haven’t had transactions on the day that you have synced, you will need to wait until you do. If you still have issues after this please contact our support team at help@archa.com.au.

How can I import older Archa transactions into Xero?

Once you have connected your Archa account to Xero, we will pull in transactions from then on. To import older transactions from previous days, you can use the CSV statement file, available to download in your App, to manually upload the transactions. This CSV file is available monthly, and includes transactions from the 15th of the previous month to the 14th of the following month. Therefore, the best day to connect your Archa account to Xero is the 15th of each month. This way there will be no gap between your latest CSV statement import and Xero. You can still connect on a different day of the month, and manually adjust the upload as needed. You can find out how to upload previous transactions into Xero here.

How will fees and card transactions show up in Xero?

Fees and card transactions will sync through to Xero as "Spent" and Repayments will sync through to Xero as "Received" showing Transaction Date, Type (credit or debit), Payee, Particulars, Transaction Amount and Source.The Reference will include the Company name for Company cards or the Employee cardholder name for Employee cards, as well as the last 4 digits of the card number.

How will repayments show up in Xero?

Repayments will sync through to Xero as "Received" showing Transaction Date, Type (credit or debit), Payee, Particulars, Transaction Amount and Source.

How do I disconnect my account?

Once connected, you can disconnect your accounts anytime:Go to the “Profile” tabIn the Xero section, select disconnect and confirm You can reconnect at any time, but for now, your transactions will no longer sync to Xero and your account connection will no longer be authorized.There will be no duplicate transactions uploaded if you disconnect and reconnect multiple times during the same day.

Billing

What are the repayment terms?

Repayment terms are set at 30 days. We collect our payments via direct debit from your nominated account.

When will I be billed every month?

Every month, the billing cycle runs from the 15th to the 14th, regardless of when your card was first activated. As a result, your first payment may not be a full 30 days after activation, but we resume a standard 30-day credit cycle after this initial payment.

Other

I want to make a complaint, how can I do that?

It's important that we are told when something is wrong, or your experience hasn't been great. Make a complaint or review our Complaints Policy.

Need more help?

For Archa customers, you can email us at help@archa.com.au.

Otherwise, please fill in a contact sales form or email sales@archa.com.au and we'll be in touch.

Speak with an Archa expert

Find out more about how Archa can help your business.

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