Arc

Software-driven banking & growth capital for startups

★★★★★ 4.9/5
FactScore™ 64.3
VS

Reap Pay

Business payments in your preferred currencies

★★★★★ 5.0/5
FactScore™ 30.1

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.

👑
64.3
Arc FactScore™
★ Arc wins on FactScore™
30.1
Reap Pay FactScore™

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 process

Both 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 payments

Only in Arc — Cons

Billing issues

Both tools — Cons

Only in Reap Pay — Cons

Trustworthiness concerns Customer service issues Unauthorized transactions

Details

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.

3

What Users Say

Arc

J
Jared Jun 29, 2023
★★★★★

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...

A
Ashley Jun 29, 2023
★★★★★

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...

B
Brandon Jun 29, 2023
★★★★★

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

R
Roman Apr 5, 2023
★★★★★

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...

M
Masha Apr 4, 2023
★★★★★

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...

J
Juan Apr 6, 2023
★★★★★

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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