Services

Arca provides a comprehensive suite of modular, enterprise-grade payment services designed to support card program issuance, account and ledger management, and domestic payment processing. Each service is engineered to operate independently or in combination, enabling banks, fintechs, and corporates to implement flexible and scalable payment solutions.

Card Management Services

Arca’s Card Management Services (CMS) form the foundation of its issuance and transaction processing stack. CMS governs the entire card lifecycle, real-time authorisation logic, BIN-level program controls, and integration with global scheme networks.

Technical Features & Capabilities

• Open-loop & Closed-loop Card Issuance

Arca supports the issuance of:

Open-loop cards (Visa, Mastercard, UPI) using scheme-certified processors

Closed-loop cards (private-label, store cards, loyalty cards) with custom rule sets

Virtual cards, single-use cards, and tokenised-only cards

Technical highlights:

BIN/scheme parameters configurable via Issuance API

Card PAN generation compliant with ISO/IEC 7812

Dynamic CVV, EMV keys, and token cryptographic support via partnered processors

Lifecycle event callbacks through webhook orchestration

Domestic Payment Orchestration

Arca’s orchestration layer provides unified access to major Australian domestic rails. Through a single API, clients can initiate, receive, and reconcile payments using multiple payment networks.

Supported Networks

• Direct Entry (DE)

Supports:

Bulk credit and debit files

Payroll, supplier payments, periodic payments

Direct debit authorisation workflows

Technical operation:

DE file generation compliant with Australian Payments Network (AusPayNet) specifications

Batch ingestion and settlement windows managed via scheduler

ABA file formats supported for both input and export

• New Payments Platform (NPP)

Real-time payments and PayID services:

Capabilities:

Real-time credit transfers

PayID linking and lookups

Support for Osko messaging standards

Technical considerations:

ISO 20022 messaging

24/7 availability

Near-instant clearing and posting to virtual accounts

• PayTo

Supports next-generation direct debit mandates.

Technical details:

Mandate creation, authorisation, amendment, and cancellation

Real-time mandate verification between payer and payee

Integration with financial core for balance checks and pre-authorisation logic

Ideal for subscription billing, recurring payments, and BNPL repayments.

• BPAY

Supports:

BPAY bill payments

BPAY Batch processing

Retrieval of Biller Codes and CRNs

Technical aspects:

Batch or real-time instructions

Reconciliation via BPAY reports and reference matching

Ledger posting aligns with end-of-day BPAY settlement cycles

Financial Core Platform

Arca’s Financial Core is a modular banking-grade ledger system designed to support issuing programs, account structures, payment orchestration, and multi-currency operations.

Technical Features & Capabilities

• Virtual Accounts

Arca provides virtual accounts that may be linked to BSBs and card programs.

Technical specifics:

Each account represented as a ledger object with real-time balance updates

Supports unique identifiers (BSB + Account Number)

Can be mapped to cards, wallets, sub-accounts, or external payment rails

Balance validation performed during authorisation in <200 ms latency

Use cases:

Corporate expense wallets

Escrow-style accounts

Multi-wallet fintech applications

 

• Multi-account Structures (Joint, Hierarchical, Multi-tier)

Arca supports complex financial structures including:

Joint accounts with shared ownership and signing rules

Hierarchical accounts (e.g., corporate master → subsidiary → employee card)

Multi-tier accounts for marketplaces, gig economies, franchise models

Technical aspects:

Shared ownership defined via metadata and permission models

Ledger supports parent/child relationships with cascading limits

Routing rules define whether debits flow from primary or pooled balances

Audit trails maintained for all role-based access actions

 

Support for Loans, BNPL, Mortgages, Stocks

The financial core can represent lending or asset products as ledger-backed instruments.

Technical considerations:

Asset and liability accounts separated via ledger type

BNPL instalments represented as amortisation schedules stored in ledger metadata

Loan disbursement and repayment flows integrated into domestic rails

Stock/crypto/points balances maintained as abstract currency types

This enables embedded-finance use cases without requiring a full core-banking replacement

Crypto, Loyalty & Alternative Currencies

The ledger can maintain balances for:

Reward points

Gift card balances

Stablecoins / tokens

Non-fiat digital assets

Technical details:

Each asset type defined as a currency object with conversion rules

FX or points exchange can occur via configurable rate engine

Multi-currency ledger ensures atomic transaction posting across different asset types

Technical Architecture Summary

Across all services, Arca provides:

API-first architecture: RESTful and event-driven webhooks

High-security SDK integration: device binding, secure messaging, data obfuscation

Cloud-native scalability: microservices, containerised, horizontally scalable

Encrypted data flows: TLS 1.3 transport, secure enclave storage, automated key rotation

Unified orchestration layer: consistent flows for card and domestic payments

Real-time monitoring: authorisation logs, rule engine outcomes, velocity alerts.

Disclosure:

Information provided on this website is for general information purposes only and does not take into account your objectives, financial situation or needs. You should consider the appropriateness of this information in light of your own needs, objectives and financial situation and review our Product Disclosure Statement before acquiring the product or service.