Archa

Archa is an Australian fintech company that has partnered with Mastercard to offer businesses a line of credit, cards for employees and expense management tools.

It uses technology to offer a faster application process compared to some similar products from major banks, and lets you instantly issue cards for employees without all the paperwork you'd typically expect.

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Foreign currency conversion fee	Interest-free days	Purchase rate p.a.	Annual fee
Archa	0.49%	-	Intro purchase rate 0%		Manage your expenses and earn Velocity Points.	ContinueView details Compare product selection Compare	loading

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What is Archa?

Archa combines features of business credit cards with spend management facilities. When you sign up for an Archa plan, you'll get a line of credit and a Mastercard with 30-day repayment terms and no interest charges. This is similar to other business charge cards, rather than credit cards (which attract interest).

You can instantly issue additional cards for your employees, which cuts down on time managing expense claims and reimbursements. The Archa app uses clear visuals to break down spending, plus direct links to Xero, MYOB Acumatica, SAP Concur, ProSpend and other accounting and ERP software.

Features

Competitive FX rates

Archa charges just a 0.49% currency conversion fee on all non-AUD transactions, which is well below the 2–3% many other cards charge.

Rewards

Archa has its own rewards program that lets customers earn Archa Points on their spending, which can be linked and transferred to either Velocity Frequent Flyer or PayRewards.

Complimentary travel cover

If you pay for the entire cost of your flights on your Archa card, you'll get access to travel insurance covers, including overseas medical expenses, travel accident and travel inconvenience cover.

Spend management tools

You can set up additional cards for employees, update spend limits for cards and track spending instantly through the Archa app. Archa also integrates with SAP Concur and ProSpend for expense claim management.

Accounting integration

Archa integrates with Xero and MYOB Acumatica, plus ERP and expense platforms including SAP Concur and ProSpend. Where there's no direct integration, transactions can be exported by CSV or custom file for other software.

Credit limits

Archa individually assesses customers to set credit limits. Dynamic lines of credit are available on higher tiers.

Business credit history

Archa will submit your repayment history and some other details to credit-reporting bureaus in Australia, which gives you a way to build up a good credit score for your business.

Security

Archa uses multi-factor authentication for your account, auto-locking for the app and data encryption. It also has fraud monitoring for the account and zero liability for fraudulent transactions through Mastercard.

Financial licence and responsibilities

Archa is an independent company with its own Australian Credit Licence. The legal entity is Archa Limited (ACN 614 724 355). It also provides information to the credit-reporting bureaus in Australia.

Archa plans

Archa offers plans to suit different types of small- and medium-sized businesses, with slight changes in the features depending on which one you choose.

Professional

This plan is suited to sole traders and includes the following features:

• Physical card. This plan gives you up to 10 Archa cards you can use anywhere Mastercard is accepted.
• 30-day line of credit. The full amount that you spend with an Archa card will be repaid every 30 days by direct debit from your chosen bank account.
• Account management. Your account shows detailed transaction data and can be linked to Xero accounting software or SAP Concur to help with accounting tasks. You can also export data in .CSV format for applications like Microsoft Excel.
• Travel cover. You can get complimentary travel insurance cover when you pay for the full cost of your flights using an Archa card. As with any insurance, remember to read the policy document for full details of the cover available.
• Mobile payments. The Archa card can be added to your Apple Pay and Google Pay accounts for contactless, mobile payments.

Growth

If you have employees and want a single account for business spending, this plan includes the following features:

• Physical cards. Get Archa cards for yourself and your employees, linked to the one account.
• Instant card issuing. You can quickly set up new cards for your employees at any time through the Archa app.
• 30-day line of credit. The full amount that you spend with an Archa card will be repaid every 30 days by direct debit from your chosen bank account.
• Account management. Your account shows detailed transaction data and can be linked to Xero accounting software to help with accounting tasks. You can also export data in .CSV format for applications like Microsoft Excel.
• Mobile payments. The Archa card can be added to your Apple Pay and Google Pay accounts for contactless, mobile payments.

Enterprise

If you want something different to the Professional or Growth plan, this plan gives you a way to get a more customised account. Some possible features include:

• Dedicated account manager. You'll have contact with the same person for all your account management and questions, which could help you save time on admin and other tasks.
• Personalised onboarding. Get training for yourself and employees so you can make the most out of Archa without spending lots of time figuring it out for yourself.
• Physical cards. You'll get Archa cards for yourself and your employees, linked to the one account.
• Instant card issuing. You can quickly set up new cards for your employees at any time through the Archa app.
• 30-day repayment terms. The full amount that you spend with an Archa card will typically be repaid every 30 days by direct debit from your chosen bank account. With this plan, you could also talk to your dedicated account manager about how to manage payments in a way that works for your business to see what's possible.
• Account management. Your account shows detailed transaction data and can be linked to Xero accounting software to help with accounting tasks. You can also export data in .CSV format for applications like Microsoft Excel.
• Mobile payments. The Archa card can be added to your Apple Pay and Google Pay accounts for contactless, mobile payments.

How to get an Archa plan

You can sign up for Archa online in a few minutes and will get a response within 48 hours.

Eligibility

• Business registration. Your business must have an ABN or ACN.
• Monthly revenue. Your business needs to have an annual revenue of at least $1,000,000.

Required documents

• Business bank details. You need to give Archa access to 6–12 months of business bank statements.
• Business information. This includes your business website, LinkedIn or other social media profiles, as well as background on what your business does.
• Phone number. You need this to complete the application and set Archa up on your phone or another mobile device.
• Personal ID. Your driver's licence or passport details are needed to help verify your ID and the ID of any employees who will be responsible for managing the account.

Other key details about Archa

• Contact details

Archa is a Melbourne-based fintech. Support is via the contact form and help@archa.com.au, plus the Help Centre at help.archa.com.au.

• Archa business history

Archa was originally launched as a neobank but moved its focus to business banking in 2020 and has a principal partnership with Mastercard.

It also has backing from investors and business founders, including Wisr CEO and founder Anthony Nantes, THE ICONIC and Hatch co-founder Adam Jacobs, BetaShares founder and CEO Alex Vynokur and former Macquarie Capital executives John Prendiville and Link Chairman.

Sources

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Amy has written 471 Finder guides across topics including:

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