Arc
Software-driven banking & growth capital for startups
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| Arc | Reap Pay | |
|---|---|---|
| Rating | 4.9★ | 5.0★ |
| Reviews | 20 | 3 |
| Pros | 17 | 9 |
| FactScore™ | 64.3 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Arc — Pros
Excellent customer support Comprehensive startup banking Modern UX/UI Responsive team Fast account setup High yield savings Secure platform Software-driven banking Efficient cash management Fast product development Tech-centric platform Growth capital access Community trust High interest rates Integrated financial products No equity requirement Transparent processBoth tools — Pros
—Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsOnly in Arc — Cons
Billing issuesBoth tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| Arc | Reap Pay | |
|---|---|---|
| Categories | Online banking, Financial planning, Neobanks, Treasury management platforms | Online banking, Payment processors, Money transfer |
| Platforms | Web | Web |
| Became Popular | June 29, 2023 | April 3, 2023 |
| Website | www.arc.tech | reap.global |
Who Should Pick Which?
Choose Arc if...
- Excellent customer support
- Comprehensive startup banking
- Modern UX/UI
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 64.3 vs 30.1, Arc leads in community reception. Arc uniquely offers Excellent customer support and Comprehensive startup banking, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
Arc
Arc has become widely used and well-regarded in the YC Community, which has high standards for products like this. Many YC companies tell us they love Arc and have had a great experience. In the wa...
We recently became customers of Arc at Momentum, but have been following their progress for the last 9 months or so. The speed at which they've been able to ship a full suite of products for startu...
HUGE fan of Arc, they have made everything so simple that we have basically automated all of our startup banking needs. It also doesn't hurt that we get 5%+ APY on our savings in the account. 10/10...
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Frequently Asked Questions
Which is better, Arc or Reap Pay?
Based on FactScore™, Arc leads with a score of 64.3 vs 30.1. Arc has a higher rating of 4.9★ compared to 5.0★.
What are the pros of Arc compared to Reap Pay?
Arc uniquely offers: Excellent customer support, Comprehensive startup banking, Modern UX/UI, Responsive team, Fast account setup.
What are the pros of Reap Pay compared to Arc?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is Arc better rated than Reap Pay?
Arc is rated 4.9★ from 20 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of Arc and Reap Pay?
FactScore™ weighs rating and review volume together. Arc scores 64.3 and Reap Pay scores 30.1.
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