Arc vs Novo: Which Fintech & Payments Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.
The Short Answer
Arc vs Novo, in 15 seconds
Choose Arc if…
- You want to trial before paying
Choose Novo if…
- You want the lower entry price
- You need a genuinely free plan
- You have strict security & compliance needs
Head-to-Head Scorecard
How Arc and Novo score
Novo leads on 3 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
ArcNo reviewsNovoNo reviews - Even
Review Volume
Number of verified reviews, a proxy for adoption
Arc0Novo0 - Novo
Entry Pricing
Lowest published starting price (free plan = lowest)
ArcCustomNovo$0/mo - Even
Free Access
Availability of a free plan and/or free trial
ArcFree trialNovoFree plan - Even
Integrations
Number of listed third-party integrations
Arc6Novo6 - Even
Features
Number of listed product capabilities
Arc0Novo0 - Even
AI Features
Capabilities mentioning AI, automation or ML
Arc,Novo, - Novo
Security & Compliance
Number of listed compliance certifications
Arc1Novo3 - Novo
Platforms & Deployment
Supported platforms and deployment options
Arc4Novo5
Feature Comparison
Arc vs Novo feature breakdown
Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.
Arc
NovoPricing Comparison
Arc vs Novo pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Arc
Custom to start- Standard support
- business accounts
- treasury management
- Integrations
- non-dilutive capital
- Advanced security and controls
- Everything in Professional
- insights
Novo
$0/mo to start- Free invoicing
- Mobile apps
- Reserves
- Fee-free checking
- Priority support
- Enhanced perks
- Money insights
- Faster funding options
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Arc vs Novo: strengths and trade-offs
Arc
Pros
- Free trial offered
- Compliance: SOC 2
- Public API available
Cons
- No free plan
- Pricing is quote-based (less transparent)
Novo
Pros
- Free plan available
- Compliance: PCI DSS, SOC 2, GDPR
Cons
Buyer Fit
Who should use Arc vs Novo?
Startups
Novo
Novo keeps early-stage costs lowest with its entry tier.
Small businesses
Novo
Novo offers the most accessible pricing for lean teams.
Agencies
Either
Either connects to more tools for multi-client workflows.
Enterprises
Novo
Novo leads on compliance and breadth for complex needs.
Ecommerce
Either
Either integrates with more of the commerce stack.
SaaS companies
Arc
Arc is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (3)
Only in Arc (3)
Only in Novo (3)
Keep Exploring
Other alternatives worth considering
Similar fintech & payments products buyers compare alongside Arc and Novo.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Arc and Novo against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationArc vs Novo, Frequently Asked Questions
What is the difference between Arc and Novo?
Arc and Novo are both Fintech & Payments solutions. Arc is rated 0.0/5 by 0 users, while Novo is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Arc or Novo?
Based on user ratings, Arc scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Arc or Novo?
Novo is the more affordable option, starting at $0/month.
Does Arc or Novo have a free plan?
Novo offers a free plan. Arc does not have a free tier but does offer a free trial.
Can I switch from Arc to Novo?
Switching between Arc and Novo is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Arc vs Novo?
Arc is best suited for teams that prioritise enterprise features. Novo works well for teams looking to start free and scale.
Our Verdict
The bottom line on Arc vs Novo
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Novo
Novo has the friendliest entry point for new teams.
Best for Enterprise
Novo
Novo leads on compliance and feature breadth.
Best Value
Novo
Novo delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.