The business of payment aggregation services requires a strong, robust, scalable and secure platform capable of accepting and processing multiple modes of payments. The unified fintech platform, ‘arttha’ aggregates various modes of payments, types of payments viz. Credit Cards, Debit Cards, net banking, gift cards, loyalty points, wallet accounts etc. in a single platform to cater to the diverse payment needs of businesses and their customers. These are provided over various access channels like NFC, QR, mobile app, kiosk, web etc. The platform allows the business to seamlessly manage the network of merchants. The inbuilt reconciliation and settlement module helps in the faster and efficient processing of transactions.