Digital Payments

Accept Every Payment.
Miss Nothing.

UPI, cards, cash, wallets, split payments — handle every payment mode at the counter. Auto-reconciliation means your accounts stay perfect, always.

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UPI & QR
Split payments
All card types
24/7 support
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A customer tapping a contactless card on a sleek modern POS payment terminal on a clean restaurant counter, soft professional lighting, bokeh background, photorealistic commercial photography --ar 3:2 --style raw --v 6.1

Every Payment Method, One Screen

Your customers pay however they want. Ritaya accepts them all — seamlessly.

UPI / QR
PhonePe, GPay, Paytm
Credit / Debit Card
Visa, Mastercard, RuPay
Cash
With auto change calc
Digital Wallets
Mobikwik, Amazon Pay
Split Payment
Cash + Card + UPI mix
Loyalty Redemption
Points as partial payment

Integrated payment partners

Razorpay
PhonePe
Google Pay
Paytm
Cashfree
Stripe

Instant Settlements

Ritaya integrates with Razorpay and Cashfree for same-day or next-day settlements on all digital payments. No float, no waiting — your revenue reaches your bank account fast.

  • T+1 settlement for most payment modes
  • Settlement report reconciled with POS sales
  • No manual bank reconciliation needed
  • Dispute alerts and chargeback notifications

Settlement Reports

Payment Analytics

Understand how your customers pay. See the split between cash, UPI, and cards. Track which payment mode is growing. Identify high-value card transactions. Use this data to negotiate better MDR rates with your bank.

62%
UPI penetration avg. for our merchants
22%
Card payments average
  • Daily/weekly/monthly payment mode breakdowns
  • Average transaction value per payment type
  • Cashier-level payment reconciliation

Payment Analytics

Offline Payment Fallback

Internet went down but you still need to accept payments? Ritaya records cash and manual card transactions offline and marks digital payments as "pending verification" — so your billing never stops.

  • Cash billing always works offline
  • Manual payment logging for offline EDC machines
  • All records sync when connectivity restores
  • Zero transaction loss in offline mode

Offline Fallback Mode

Payment FAQs

Does Ritaya charge extra for digital payments?
Ritaya doesn't charge transaction fees. The payment gateway (Razorpay, Cashfree, etc.) charges a standard MDR which goes directly to them. We don't take any cut of your payment revenue.
How do I set up UPI QR at my counter?
You can use your existing UPI QR from any bank, or integrate a dynamic QR via Razorpay/Cashfree. Dynamic QR automatically shows the exact bill amount — the customer just scans and pays. Ask our support team to set it up during onboarding.
Can I connect an existing EDC/card swipe machine?
Yes. You can use any existing EDC machine alongside Ritaya. The cashier marks card payment manually in Ritaya, and the EDC machine handles the actual card transaction. Full integration with select Ingenico and VeriFone models is also available.
How does end-of-day cash reconciliation work?
Ritaya's shift close report shows total cash collected, opening float, expected drawer balance, and any discrepancies. The cashier enters actual counted cash and Ritaya flags any shortages or overages automatically.
Is payment data secure and PCI compliant?
Yes. Ritaya does not store any card details. All card data is handled by our PCI-DSS compliant payment gateway partners. UPI transactions are processed via RBI-regulated payment infrastructure.

Never turn away a customer for payment reasons

Accept every payment method your customers use. Start with Ritaya today.

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