Solutions for mid-market
Scale your growth, empower your finance team.
Empower your growing workforce with corporate cards that enforce policy automatically. Eliminate reimbursements, automate reconciliation, and control costs without adding headcount.
Trusted by thousands to streamline their spending and expense management
A finance stack built for scale
As you grow, complexity increases. Archa flattens the curve with tools designed to streamline operations and tighten control.
Virtual cards
Spin up single-use or subscription-specific cards to eliminate reimbursements and secure online spend.
True credit line
Stop tying up cash in prepaid wallets. Use our unsecured credit line to keep working capital available.
Zero FX fees
Save thousands on international software and travel with market-leading 0% foreign transaction fees.
Departmental budgets
Assign cards and transactions to specific cost centers to keep managers accountable for their P&L.
Customised reporting
Use custom dropdowns to tag expenses by project or client for granular visibility before export.
AI Expense Audits
Automatically review 100% of transactions against your policy to catch non-compliant spend instantly.
Enforce spend controls
Don't wait for month-end to find out a budget was blown. With advanced card controls, you can set hard limits, restrict merchant categories, and issue temporary cards for specific projects. Empower your team to move fast, knowing the guardrails are already in place.
Integrations that fit your workflow
Whether you are on Xero, MYOB, or a larger ERP, Archa fits your stack. We support native bank feeds and tracking categories for cloud accounting, plus robust custom CSV exports for legacy systems. Use our Custom Dropdowns to ensure every dollar is coded correctly before it leaves the app.
Turn overheads into bottom-line value
Mid-market spend volume shouldn't just be a cost center. With Archa, you earn points on every eligible dollar, from ad spend to server costs. Redeem points to fund business travel or employee incentives, effectively subsidising your operational costs.
Empower every layer of your organisation
Remove the bottleneck between spending and reporting. Archa aligns your workforce with your financial goals, giving every stakeholder the tools they need to move faster.
Finance Teams
Stop drowning in reconciliation. With deep integrations for Xero, MYOB, and other platforms, Archa automates the flow of data from swipe to ledger. You get real-time visibility across every cost centre and department, allowing you to close the books in hours, not days.
Employees
Eliminate the reimbursement shuffle. Give every team member their own corporate card, physical or virtual, with pre-set limits. They get the autonomy to buy what they need to do their job, and the app handles the receipts instantly. No more out-of-pocket expenses.
Managers
Own the P&L, don't just review it. Managers get a live dashboard of their team’s spending. They can issue cards instantly, adjust limits for specific projects, and spot variances mid-month, ensuring accountability sits with the spender, not just finance.
Business Owners
Turn your accounts payable into a profit center. By wiping out FX fees on international software and travel, and earning high-value rewards on your operational spend, Archa improves your margins simply by changing the card you use. It’s immediate ROI, not just a payment method.
Customers who've made the switch
See how modern finance teams are cutting overhead and closing books faster.
Onboard in minutes, not months
Start your journey towards effortless spend management.
