Powering the future of payments

We’ve built a new recurring payments infrastructure designed for optimal user experience

Powering the future of payments

We're trusted by some of the world’s best financial institutions and merchants

The recurring payments experience customers expect

With our payments-as-a-service infrastructure, financial institutions and merchants can win customer loyalty by providing an exceptional, personalized experience. Our solutions are designed to make recurring payments centralized, automated, faster and smarter, helping people manage and automate their recurring payments in one place. We're powering the future of payments for some of the top financial institutions and merchants.

For Financial Institutions

Our API provides financial institutions, fintechs, and retailers with tools that help their customers better manage their personal finances, eliminate late fees, and reduce financial stress.

Use cases
For Merchants

Our API provides merchants with tools that help strengthen customer relations and increase sales, while reducing card declines and decreasing customer churn.

Use cases

Our commitment to financial health

Financial stability is a major challenge for most people. By giving people a better, centralized way to manage their recurring payments, we’re helping to improve their financial stability.


of full-time workers live paycheck by paycheck


of households are financially healthy


of internet users make monthly bill payments

Hear from our clients

“Our partnership with Arcus makes it easier for our Members to pay off their credit cards, and we love that!”

Scott Saunder

CEO and Founder, Happy Money