Accepting Payment has never been so easy. The power of ‘arttha’ helps small or large retailers to provide a true omni-channel and frictionless shopping experience to their customers. ‘arttha’ provides retail payment solutions to helps retail institutions to accept different methods of payments like credit card, debit card, net-banking, wallets via different channels like mobile app, web checkout, QR code, NFC, kiosks, POS etc. ‘arttha’ also offers invoicing capabilities, chargeback and refund mechanisms with inbuilt reconciliation and settlement module to help retail institutions conduct business with peace of mind. Coupled with a loyalty management solution and payment insights, ‘arttha’ also empowers the business to have the right connect with the customer and helps launch campaigns, give rewards and incentives to loyal customers and interact with the customers via mobile notifications, thereby ensuring repeat business for the retail institutions.