For financial institutions


use cases / for financial institutions

Mobile bill pay

The problem

The average consumers has 15 recurring bills per month across several different platforms, resulting in a negative user experience and increased customer churn.

The solution: Payments hub

Instant alerts, scheduling, and automatic payments that allow consumers to say goodbye to hassles, late fees, and service interruptions.


Customers benefiting from this solution:

Debt payoff

The problem

The average credit card holder holds four cards and the average household with a credit card carries $8,398 in credit card debt. Many people struggle to pay off their card balances, leaving them in a never-ending cycle of debt.

The solution: Payments hub

Users can pay off several cards with one, consolidated low-interest loan.


Customers benefiting from this solution:

Consumer Insights

The problem

Over 50% of consumers expect companies to provide them with personalized insights. However, companies are not capturing relevant data on how consumers spend their money.

The solution: Payments hub

Our API pulls relevant data points from consumers’ behavior, including amount due statement balance, history, current payment methods, and more.


Customers using this solution

International bill pay

The problem

With few international payment providers, SMEs are in need of cost-effective access to international payments.

The solution: Payments hub

Arcus’ network allows consumers to make payments directly to billers across international borders.


Customers using this solution

Cash-in

The problem

Online banks, eWallets, and other digital financial services providers are not able to capture cash payments at brick-and-mortar points of sale.

The solution: Cash to digital

Arcus’ network of participating merchants and financial services providers enables consumers to recharge their eWallets, debit cards, and others at over 50,000 points of sale.


Customers using this solution

Top of wallet

The problem

Card issuers lose their top-of-wallet position when their credit or debit cards get declined.

The solution: Payments hub

Issuers have the ability to update the card non-present default payment method in real-time with participating merchants


Customers benefiting from this solution:

Mobile Top-ups

The problem

Businesses are not able to provide pre-paid services and mobile top-ups from various vendors in their digital platforms.

The solution: Payments hub

Arcus offers the ability to purchase prepaid services digitally and/or at a participating merchants point of sale using any credit card or approved payment methods.


Customers using this solution