Arttha provides businesses a seamless payment experience at each level of the distribution chain. The platform offers user onboarding viz. distributors, retailers, etc., creation of hierarchies and network and defining a relationship between these. Arttha empowers the users to make and accept payments in different modes, via diverse types, over different channels, including credit cards, debit cards, linked bank accounts, wallet accounts, etc. via NFC or QR codes or mobile app or Web UI, etc. In addition to payment capabilities, the platform also offers capabilities for invoices, monthly statements, reconciliation and settlement, reporting and analytics, etc. Arttha powers businesses with an inbuilt Loyalty Management solution and charges and commission module. It enables them to offer rewards, incentives, loyalty points, commission to users at various levels, and make business profits.