AI-Powered Payments, From Consumer to Business.

Arkpay turns every consumer payment into a clean, verified business transaction — routed, reconciled and risk-scored by AI in real time.

PSD2 & PCI DSS

99.99% uptime SLA

GDPR compliant

Best Payments Innovation

FinTech Awards 2025

Top AI Infrastructure

Payments Breakthrough 2024

Best C2B Experience

European Tech Review 2024

One layer between people and businesses

Arkpay sits between the consumer wallet and the business ledger, resolving intent, identity and settlement in a single pass.

AI reads each payment request and matches it to the right merchant, invoice and account without manual reference codes.

Every transaction is scored against behavioural patterns in milliseconds, so good payments clear and bad ones never land.

Payouts, refunds and fees are reconciled continuously and pushed straight into your finance stack.

Marketplaces, utilities, insurers and subscription businesses use Arkpay to make consumer payments predictable.

“Arkpay removed the reconciliation backlog entirely. What used to take our finance team a week now closes overnight.”
“Arkpay removed the reconciliation backlog entirely. What used to take our finance team a week now closes overnight.”
“We cut failed consumer payments by a third in the first quarter, with no change to our checkout.”
“We cut failed consumer payments by a third in the first quarter, with no change to our checkout.”
“The fraud scoring is the sharpest we have tested. Fewer false declines, and far fewer chargebacks.”
“The fraud scoring is the sharpest we have tested. Fewer false declines, and far fewer chargebacks.”
“Onboarding took two weeks. The AI matching handled our messy legacy references without a migration project.”
“Onboarding took two weeks. The AI matching handled our messy legacy references without a migration project.”

Everything needed to accept, verify and settle high-volume consumer payments, without adding headcount.

Each payment takes the cheapest reliable rail, chosen per transaction rather than per provider contract.

Consumer identity is confirmed in the flow, with checks that adapt to the risk of the payment.

A single source of truth for balances, fees and settlements, queryable the moment money moves.

Evidence is gathered and submitted automatically, turning disputes into a background process.

Clear REST and webhook primitives, sandbox parity, and SDKs your team can ship with in a day.

AI forecasts volumes, failures and cash timing so finance can plan instead of react.