Making the Switch

Protect your cash. Upgrade to credit.

Handing out debit cards gives employees direct access to your bank account. Switch to Archa for safer spending limits, up to 30 days interest-free credit, and rewards on every dollar.

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Trusted by Australia’s fastest growing businesses

Archa has been recognised across the industry as Australia’s best corporate card offering, best spend management product, and best in class for rates and fees.

BEST FOR CREDIT CARD MANAGEMENT
FINALIST 2024 B2B + BANKING & PAYMENTS
AFR FAST STARTERS LIST 2025
FIVE STARS ON XERO APP STORE
TECHNOLOGY SCALE-UP AWARDS

Why smart businesses stop using debit

Debit cards expose your cash and offer zero perks. Archa gives you security, float, and integration.

Debit Cards

Direct access to bank funds granted to employees
Cash tied up instantly
Manual top-ups required regularly
Zero rewards points
Basic bank feeds only
Risk of account draining

With Archa

Secure, isolated credit limits
Up to 30 days interest-free
No pre-loading or top-ups
Market leading rewards program on all business spend
Native integratinosto account and EMS platforms
Advanced fraud protection

Don’t hand around debit cards

Handing an employee a debit card is like handing them your wallet. It gives them direct access to your company's main operating funds. Archa removes that risk. You set customizable limits at the card level, ensuring staff can spend what they need, but never a cent more.

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Three Archa cards stacked on top of each other
Three Archa cards stacked on top of each other

Stop tying up your capital

Debit and prepaid cards require cash to sit idle in accounts "just in case," or require constant manual top-ups. Archa provides a true corporate credit facility. You pay nothing until the statement is due, keeping your cash working in the business for up to 30 days longer.

Explore credit cards

Tools that debit can’t match

Debit cards are often incompatible with enterprise software. Archa plugs seamlessly into leading platforms like SAP Concur, ensuring data integrity for larger finance teams. Plus, unlike debit, every dollar spent on Archa earns Rewards Points that can be redeemed for flights or gift cards.

Explore rewards
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Customers who've made the switch

Businesses that upgraded their wallet

"We’re really happy with the system. It integrates well and there’s never been a time where the transactions weren’t there – it just works."
By switching to Archa’s credit-based cards, this logistics software leader solved transaction reliability issues and automated expense reporting.
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"We were able to introduce Archa to employees as an efficiency improvement... our people can spend more time on their day-to-day roles, and less time managing admin."
By replacing legacy bank cards with Archa, Australia’s leading commercial painting provider eliminated "blind spending" and unlocked valuable rewards.
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"All the manual expense tracking is gone now. We’ve got real-time visibility of the expense. Life has become very simple.
By integrating Archa’s corporate cards with SAP Concur, this construction leader eliminated manual receipt matching and empowered its 200-strong workforce.
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"The expense management process prior to implementing a new solution was manual. We used a spreadsheet to manage everything and understanding how expenses were driven was a challenge. It was time-consuming."
By moving from spreadsheets to Archa’s digital-first platform, this market leader streamlined expenses for 100+ employees without impacting their bank borrowing capacity.
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"As a company, I think it’s a bit rich to ask someone, especially your key senior employees, to use their own money to pay for business expenses, then force them through a horrendous reimbursement process. It’s slow, it’s complicated, and it also doesn’t make business sense."
By bypassing traditional banking roadblocks, this AI-driven fintech saved its sales team hours of weekly admin while securing corporate credit.
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A safer, smarter way to spend

Start your journey towards effortless spend management.

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