A modern cross-border payment and settlement platform designed for freelancers, SMEs, and global businesses — from invoice creation to final settlement in one seamless flow.
Whether you're a freelancer chasing a client payment from another country or an enterprise managing hundreds of overseas vendors — ARC Settle is built for you.
Get paid from clients anywhere in the world — quickly, cheaply, and without the usual complexity of international bank wires.
Manage international vendor payments, multi-currency settlements, and accounts payable workflows in one place — without bank queues or opaque FX rates.
From the moment an invoice is created to the moment funds land in the beneficiary's account — ARC Settle handles every step automatically.
Businesses or freelancers create or upload an invoice directly on ARC Settle — specifying amount, currency, beneficiary, and payment terms. Templates save time for repeat clients.
The payer selects currency, amount, and beneficiary — then authorises the payment via the dashboard or API. Approval workflows trigger automatically for business accounts.
ARC Settle's routing engine evaluates every available banking partner and payment corridor in real time — selecting the fastest, lowest-cost path for this specific payment and currency pair.
Currency is converted at the optimal interbank rate with full pre-trade disclosure. AML, sanctions, and KYC checks run automatically — no manual intervention required for clean transactions.
Funds settle directly into the beneficiary's bank account or digital wallet. Both parties receive real-time notifications. The invoice is automatically marked as settled in the dashboard.
Five reasons businesses and freelancers switch to ARC Settle — and don't go back to fragmented banking solutions.
A single platform to create invoices, initiate payments, track settlements, and manage FX — whether you're a solo freelancer or a finance team managing 500 monthly vendor payments. One login, one dashboard, one reconciliation.
Spend limits, multi-level approval workflows, and real-time transaction monitoring designed for businesses that need accountability — not just payment execution. Every dirham tracked, every action logged.
ARC Settle is built on licensed banking and regulated payment partnerships — not a shadow network. Every settlement goes through regulated corridors, with the security and guarantees that come with it.
Customise payment workflows, settlement currencies, and routing preferences to match exactly how your business operates. ARC Settle adapts to your processes — not the other way around.
Most businesses manage invoices in one tool, payments in another, and reconciliation in a third. ARC Settle closes the loop — from invoice generation to final settlement confirmation, in a single connected workflow.
SMEs and freelancers have long been underserved by expensive, slow, opaque international payment systems built for large corporates. ARC Settle brings enterprise-grade cross-border payments to every business, at every size.
ARC Settle ships as a complete invoice-to-settlement platform — every feature included, no extra modules to buy.
Send and receive payments in 40+ global currencies — with real-time FX rates, full pre-trade rate disclosure, and settlement in the beneficiary's preferred currency.
Direct integrations with licensed banks and regulated payment partners across 150+ countries — ensuring every payment travels through compliant, fully auditable corridors.
Create, customise, and send professional invoices in any currency. Track status from issued to viewed to paid — with automatic reminders and settlement confirmation.
Integrated KYC verification, AML transaction monitoring, and sanctions screening — run automatically on every payment. Compliance built in, not bolted on.
REST API with full payment lifecycle coverage — connect ARC Settle to your ERP, marketplace, accounting software, or custom application with comprehensive SDK support.
Automatic selection of the optimal payment corridor for every transaction — evaluating cost, speed, and reliability to ensure the best outcome on every settlement.
Three measurable outcomes that ARC Settle delivers — from the first payment you process.
Reduce cross-border settlement time from the typical 3–5 banking days to hours — or minutes for supported corridors. ARC Settle's intelligent routing always finds the fastest available path, and real-time tracking means you always know exactly where your money is.
Optimised payment routing eliminates unnecessary intermediary bank hops — each one a source of fees and delays. Competitive, transparent FX rates mean no hidden margins. Businesses using ARC Settle consistently reduce their cross-border payment costs significantly versus traditional banking channels.
Real-time visibility into every payment and settlement — from initiation through routing, FX conversion, and final credit confirmation. Both payer and beneficiary receive live status updates. No more calling your bank for payment status. No more uncertainty about when funds will arrive.
Join freelancers, SMEs, and global businesses that use ARC Settle to send invoices, move money, and settle payments — faster, cheaper, and more transparently than traditional banking.
ARC Business Super-App Platform — Payment Orchestration • HRMS • Accounting • Loyalty • Gift Cards • eSIMs • Mobile Top-Ups
This Privacy Policy explains what personal and business data ARC collects, why we collect it, who we share it with, and what rights you have over it. ARC is a B2B orchestration platform — we primarily process data about businesses and their authorised representatives, employees (via HRMS), and customers (via payment and loyalty features). We are committed to handling all data responsibly, lawfully, and transparently in accordance with UAE data protection law and applicable GCC regulatory requirements.
This Privacy Policy describes how ARC Synergy FZE LLC (“ARC”, “we”, “us”, “our”) collects, uses, stores, shares, and protects personal and business data in connection with the ARC platform (arc360.me) and all related services.
| Field | Details |
|---|---|
| Data Controller | ARC Synergy FZE LLC |
| Registered Office | Office No. BC-888870, 26th Floor, Amber Gem Tower, Sheikh Khalifa Street, Ajman, UAE (P.O. Box 4848) |
| Free Zone | Ajman NuVentures Centre Free Zone (Amiri Decree No. 15 of 2023) |
| Privacy Contact | [email protected] |
| Effective Date | 2025 |
| Governing Law | UAE Federal Data Protection Laws; Ajman NuVentures Centre Free Zone Regulations; CBUAE Data Standards |
ARC operates as a data controller in respect of Business User and authorised representative data. For employee data processed through the HRMS module, ARC acts as a data processor on behalf of the Business User (who is the data controller).
This Policy applies to:
This Policy does not apply to third-party websites, payment gateways, or partner platforms linked from ARC.
| Data Category | Examples | Purpose / Legal Basis |
|---|---|---|
| Business Identity Data | Trade licence, incorporation certificate, company name, registered address | KYB onboarding; regulatory compliance; contract performance |
| Individual Identity Data | Full name, passport or Emirates ID copy, date of birth, nationality | KYC verification; AML/CFT due diligence; regulatory obligation |
| Contact Data | Email address, telephone number, WhatsApp number, physical address | Account management; service delivery; communications |
| Financial & Banking Data | Bank account details, IBAN, transaction history, settlement records | Payment processing; settlement; financial reporting |
| Payment Instrument Data | Card type, card fingerprint (tokenised), billing country, last four digits | Transaction processing; fraud prevention; chargeback evidence |
| Transaction Data | Order ID, Payment Intent ID, transaction amount and currency, timestamp | Service delivery; audit trail; dispute resolution; regulatory reporting |
| HRMS & Payroll Data | Employee names, Emirates ID, salary, bank account for WPS, attendance records | HRMS module; payroll processing; WPS compliance (MoHRE) |
| Technical & Device Data | IP address, browser type, device ID, session timestamps, API access logs | Security; fraud detection; platform performance; AML monitoring |
| Geolocation Data | Country and city derived from IP address at time of transaction | Sanctions screening; fraud prevention; geographic risk assessment |
| Loyalty Data | Customer identifiers, points balance, redemption history | Loyalty programme operation on behalf of Business User |
4.1 Directly from You — When you register on the Platform, complete KYB/KYC forms, upload documents, make transactions, configure HRMS records, process payroll, contact our support team, or use any feature of the Platform.
4.2 Automatically — When you access the Platform, our servers and third-party tools automatically collect technical data including IP address, device identifiers, session data, and browsing behaviour within the Platform.
4.3 From Third Parties — Payment gateways; banking partners; identity verification providers; sanctions screening databases; public registers; card networks; network operators.
| Legal Basis | Description |
|---|---|
| Contract Performance | To provide, manage, and operate the Platform services you have subscribed to, including payment processing, HRMS, payroll, loyalty, accounting, and digital products. |
| Legal & Regulatory Obligation | To comply with UAE AML/CFT laws (Federal Law No. 20 of 2018), CBUAE regulations, MoHRE WPS requirements, UAE VAT Law, UAE Labour Law, and applicable GCC financial regulations. |
| Legitimate Interests | To prevent fraud, protect the security and integrity of the Platform, improve our services, manage chargeback risk, conduct analytics, and send relevant commercial communications. |
| Consent | For marketing communications to prospective users, use of non-essential cookies, and any processing specifically requiring your consent. Consent may be withdrawn at any time. |
| Recipient | Purpose |
|---|---|
| Payment Gateway Partners | Transaction data shared with licensed gateways (e.g. Network International) for payment processing, fraud scoring, and settlement. |
| Banking & WPS Partners | Account and payroll data shared with licensed UAE banks and CBUAE-approved WPS agents for settlement and salary disbursement. |
| Card Networks | Transaction and chargeback evidence shared with Visa, Mastercard, and other card networks for dispute resolution and fraud monitoring. |
| Cross-Border / FX Partners | Originator and beneficiary information shared with licensed MTOs and correspondent banks as required by FATF Travel Rule. |
| Regulatory Authorities | Data disclosed to CBUAE, UAE FIU, MoHRE, and law enforcement as required by applicable UAE law. |
ARC may transfer personal data outside the UAE to service providers and partners located within the GCC and in jurisdictions with adequate data protection frameworks. All cross-border transfers are subject to appropriate safeguards consistent with applicable UAE data protection regulations. ARC does not transfer data to jurisdictions subject to UAE trade sanctions.
| Data Type | Retention Period |
|---|---|
| KYB/KYC & Identity Documents | Minimum 5 years from end of business relationship; or 10 years for AML-related records (as required by Article 16 of Federal Law No. 20 of 2018) |
| Transaction Records | Minimum 5 years |
| HRMS & Payroll Records | Minimum 5 years (UAE Labour Law requirement) |
| Loyalty Data | Duration of Business User subscription + 2 years thereafter |
| Marketing Data | Until opt-out or 3 years from last engagement, whichever is earlier |
ARC uses cookies and similar tracking technologies on arc360.me and within the Platform for the following purposes: session management and authentication; security and fraud prevention; platform performance analytics; and user experience optimisation. Non-essential analytics cookies require your consent and can be managed through your browser settings or the cookie preference centre on the Platform.
ARC is subject to UAE Federal Law No. 20 of 2018 on Anti-Money Laundering and Counter-Financing of Terrorism. ARC collects and verifies identity, screens all customers and transactions against sanctions lists, monitors transactions for suspicious patterns, and files Suspicious Transaction Reports (STRs) with the UAE Financial Intelligence Unit where required.
| Right | Description |
|---|---|
| Right of Access | Request a copy of the personal data ARC holds about you and information about how it is processed. |
| Right to Rectification | Request correction of inaccurate or incomplete personal data. Note: changes to KYB/KYC data may require re-verification. |
| Right to Erasure | Request deletion of your personal data where there is no lawful reason for continued retention. Subject to overriding legal and regulatory retention obligations. |
| Right to Restriction | Request that ARC restrict processing of your data in certain circumstances, e.g. while accuracy is contested. |
| Right to Data Portability | Request that ARC provide your data in a structured, commonly used format where technically feasible. |
| Right to Object | Object to processing based on legitimate interests, including direct marketing. |
| Right to Withdraw Consent | Where processing is based on consent, you may withdraw consent at any time without affecting prior processing. |
| Right to Lodge a Complaint | You have the right to lodge a complaint with the relevant UAE data protection authority or the CBUAE Consumer Protection Department. |
To exercise any of these rights, submit a written request to [email protected] with proof of identity. ARC will respond within thirty (30) days.
ARC implements a layered security programme including: TLS 1.2+ encryption in transit; encryption of sensitive data at rest; role-based access controls (RBAC); multi-factor authentication (MFA) for administrative access; regular vulnerability assessments and penetration testing; PCI DSS compliance through certified gateway partners; and incident response and data breach notification procedures.
The ARC Platform is designed exclusively for business use and is not directed at individuals under the age of 18. ARC does not knowingly collect personal data from minors. Contact [email protected] immediately if you believe a minor’s data has been submitted.
ARC may update this Privacy Policy from time to time. Updated versions will be posted at arc360.me/privacy. For material changes, ARC will provide not less than thirty (30) days’ prior notice via email to registered Business Users.
| Contact Type | Details |
|---|---|
| Privacy & Data Protection | [email protected] |
| Security / Breach Reports | [email protected] |
| AML / Compliance | [email protected] |
| General Legal | [email protected] |
| Registered Address | ARC Synergy FZE LLC, Office No. BC-888870, 26th Floor, Amber Gem Tower, Sheikh Khalifa Street, Ajman, UAE (P.O. Box 4848) |
| Response Time | 30 days for data subject requests; 48 hours for urgent security or breach notifications |
| Regulatory Complaints | CBUAE Consumer Protection Department: [email protected] |
ARC Business Super-App Platform — Payment Orchestration • HRMS • Accounting • Loyalty • Financial Services
By registering for, accessing, or using the ARC Platform, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use. These Terms constitute a binding legal agreement between you (the Business User, Merchant, or Partner) and ARC Synergy FZE LLC. If you do not agree with any part of these Terms, you must cease using the Platform immediately.
About ARC: ARC (arc360.me) is a Business Super-App operated by ARC Synergy FZE LLC, incorporated on 14 October 2025 under Amiri Decree No. 15 of 2023 at Ajman NuVentures Centre Free Zone, with its registered office at Office No. BC-888870, 26th Floor, Amber Gem Tower, Sheikh Khalifa Street, Ajman, UAE (P.O. Box 4848).
| Term | Definition |
|---|---|
| “Platform” | The ARC web application, mobile application, APIs, dashboard, and all related services accessible via arc360.me. |
| “Business User” | Any individual, company, freelancer, or entity that registers for and uses the Platform for business purposes. |
| “Merchant” | A Business User who accepts payments through ARC’s payment orchestration layer. |
| “Transaction” | Any payment, transfer, refund, settlement, payroll disbursement, or financial instruction processed through the Platform. |
| “Settlement” | The transfer of net funds to a Business User’s nominated bank account after deduction of applicable fees. |
| “Wallet” | An ARC-managed digital store of value assigned to a Business User for facilitating payments and disbursements. |
| “WPS” | Wage Protection System — the UAE Ministry of Human Resources and Emiratisation (MoHRE) payroll compliance framework. |
| “KYB” | Know Your Business — the due diligence process applied to Business Users before Platform access is granted. |
| “KYC” | Know Your Customer — identity verification applied to individuals and beneficial owners of Business Users. |
| “AML / CFT” | Anti-Money Laundering and Counter-Financing of Terrorism — compliance obligations under UAE Federal Law No. 20 of 2018. |
| “Chargeback” | A reversal of a payment transaction initiated by a cardholder through their issuing bank via the card network dispute process. |
Eligibility Criteria: To access and use the Platform, you represent and warrant that you are a duly registered and licensed business entity; are 18 years of age or older; hold all required commercial licences and regulatory approvals; are not subject to any trade sanctions; and will use the Platform solely for lawful business purposes.
Required Documentation:
Restricted Businesses: The following are prohibited from using the Platform: unlicensed money service businesses; entities engaged in weapons manufacture or sale without applicable government licences; unlicensed gambling operations; adult entertainment businesses; entities on any sanctions list; unlicensed cryptocurrency exchanges or VASPs.
| Module | Description |
|---|---|
| Payment Orchestration | Multi-gateway payment acceptance, intelligent routing, failover management, and settlement. |
| HRMS & Payroll | Employee records, attendance, leave management, payroll processing, and WPS-compliant salary disbursement. |
| Loyalty & Rewards | Customer loyalty points, cashback campaigns, discount management, and marketing automation. |
| Accounting | Invoice generation, expense tracking, financial reporting, VAT summaries, and payment reconciliation. |
| Cross-Border / FX | International payment facilitation, multi-currency processing, and FX conversion via licensed Partners. |
| Prepaid Instruments | Multi-currency prepaid cards and WPS salary cards issued or managed in partnership with licensed issuers. |
| Gift Cards | Purchase and redemption of digital gift cards from third-party brands and merchants, delivered electronically. |
| eSIMs & Mobile Top-Ups | Procurement and distribution of eSIM data plans and mobile airtime top-ups across supported network operators globally. |
All digital products are delivered electronically. Claims of non-receipt must be raised within 48 hours with Order ID and registered delivery contact. All digital product sales are final once delivered.
You are solely responsible for: maintaining the security and confidentiality of your login credentials, API keys, and authentication tokens; all activities conducted under your account; ensuring all registration and payment information is accurate and kept up to date; promptly notifying ARC of any suspected unauthorised access at [email protected]; maintaining compliance with all applicable laws; and retaining your own records of transactions.
ARC reserves the right to suspend or permanently terminate any account where it detects: fraudulent activity; AML/CFT red flags; breach of these Terms; provision of false identity or business information; chargebacks exceeding acceptable thresholds; or conduct inconsistent with applicable law.
5.1 Payment Acceptance: ARC enables Business Users to accept payments via credit cards, debit cards, digital wallets, bank transfers, and other supported payment methods.
5.2 Transaction Records: ARC maintains comprehensive transaction logs retained for a minimum of five (5) years. These records may be provided to regulatory authorities or card networks upon lawful request.
5.3 Refunds: Business Users are responsible for processing refunds in accordance with their own refund policies. ARC’s fees for processed transactions are non-refundable unless a refund is due to a platform-side processing error.
5.4 Chargebacks & Disputes: Business Users are liable for all chargeback amounts, card network fees, and ARC administrative costs arising from disputes. Where chargebacks exceed card network thresholds (Visa VDMP / Mastercard MDMP), ARC reserves the right to adjust processing terms or terminate payment processing services.
Intelligent Routing: ARC’s payment orchestration layer routes transactions across multiple integrated payment gateways to optimise authorisation rates, minimise fees, and ensure continuity of service. Routing decisions are made algorithmically based on gateway availability, transaction currency, card type, and geographic origin.
Prohibited Transaction Categories:
Business Users are solely responsible for verifying payroll figures before authorising disbursement; ensuring compliance with minimum wage requirements; accurate computation of end-of-service gratuity (EOSG) in accordance with UAE Labour Law; and maintaining payroll records for a minimum of five (5) years.
WPS Requirements: Business Users must ensure all employees are correctly registered under the applicable WPS employer code; submit WPS-compliant payroll files in the format prescribed by MoHRE; and fund the payroll wallet no later than the business day prior to the WPS salary due date. ARC does not assume liability for WPS penalties or MoHRE enforcement actions arising from Business User non-compliance.
Loyalty Points — Not Legal Tender: Loyalty Points issued through the ARC Platform are promotional credits and do not constitute electronic money, stored value, currency, or any financial instrument under UAE law. Points have no cash value, are non-transferable between customers, are not redeemable for cash, and expire in accordance with the terms set by the Business User.
Cross-border payment services are subject to: CBUAE regulations including the Retail Payment Services and Card Schemes (RPSC) Regulation 2021; applicable GCC country regulations (Oman CBO, Saudi Arabia SAMA, Bahrain CBB); FATF Recommendation 16 (Travel Rule) for wire transfers above applicable thresholds.
All cross-border transactions are screened against UAE, UN, EU, US OFAC, and UK sanctions lists before processing. Transactions matching a sanctioned entity will be blocked and reported to the relevant UAE authority. ARC will not be liable for delays or losses arising from mandatory sanctions screening holds.
Fee categories may include: transaction processing fees; SaaS subscription fees for HRMS, Accounting, and Loyalty modules; cross-border transfer fees and FX spread; chargeback handling fees; prepaid card issuance and maintenance fees; and setup, integration, and API access fees. All fees are subject to UAE VAT at 5%.
Net settlement proceeds are disbursed to the Business User’s nominated bank account on a T+1 or T+2 basis. ARC reserves the right to hold settlement where a fraud investigation is ongoing, chargeback exposure exceeds reserves, or regulatory requirements require a hold.
“ARC”, “arc360.me”, the ARC logo, and all associated brand identity, user interface designs, software, APIs, algorithms, and proprietary content are the exclusive intellectual property of ARC Synergy FZE LLC. All rights reserved. Business Users are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform for their legitimate business purposes during the term of their agreement with ARC.
The Platform is provided on an “as is” and “as available” basis. To the maximum extent permitted by UAE law, ARC makes no warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, uninterrupted availability, or accuracy of third-party data or exchange rates.
ARC’s total aggregate liability to a Business User for any claim shall not exceed the total fees paid by that Business User to ARC in the three (3) months immediately preceding the event giving rise to the claim.
Any dispute not resolved through good-faith negotiation within thirty (30) days shall be referred to binding arbitration seated in the Emirate of Ajman, UAE, under the rules of the Abu Dhabi Commercial Conciliation & Arbitration Centre (ADCCAC), conducted in English before a sole arbitrator.
These Terms are governed by the laws of the United Arab Emirates, including applicable Federal Laws, the regulations of the Ajman NuVentures Centre Free Zone, and CBUAE regulations. For matters not subject to arbitration, the Parties submit to the exclusive jurisdiction of the competent courts of Ajman, UAE.
| Contact Type | Details |
|---|---|
| Legal Entity | ARC Synergy FZE LLC |
| Platform | arc360.me |
| Registered Office | Office No. BC-888870, 26th Floor, Amber Gem Tower, Sheikh Khalifa Street, Ajman, UAE (P.O. Box 4848) |
| Free Zone | Ajman NuVentures Centre Free Zone (incorporated under Amiri Decree No. 15 of 2023) |
| General Support | [email protected] |
| Legal / Disputes | [email protected] |
| Response Time | Within 5 business days (standard); within 48 hours (urgent compliance / security matters) |