Built by Small Business People, For Small Business People
We understand the kirana economy because we come from it. Artham exists to help shop owners earn more from their existing businesses.
While big banks focus on big businesses, we focus on you — the neighborhood shop owner, the local agent, the small retailer who keeps communities running.
Why We Started
We saw a problem: people in every neighborhood needed to send money home, pay bills, and withdraw cash. But they had to travel far to find agents or banks.
Meanwhile, local shop owners were looking for ways to earn more without leaving their shops. They had the customer relationships, the physical presence, and the trust of their community.
What they didn't have was a simple, affordable way to offer digital financial services. Existing platforms were too expensive, too complicated, or didn't provide proper support.
So we built Artham. A platform that's free to join, simple to use, and backed by real human support. Today, over 1,000 shop owners use Artham to serve their communities and earn a steady additional income.
1,000+
Shop Owners Earning
₹50Cr+
Processed Monthly
100+
Cities Covered
₹2Cr+
Commission Paid
Our Mission
To democratize access to financial services by providing small businesses and retail agents with cutting-edge digital payment solutions that are reliable, secure, and easy to use. We aim to empower every entrepreneur to participate fully in India's digital economy, regardless of their location or scale of operations.
Our Vision
To become India's most trusted and preferred digital payment platform for small businesses and agents. We envision a future where every neighborhood shop, every small retailer, and every local agent has the same access to financial technology as large corporations — enabling financial inclusion and economic growth at the grassroots level.
Our Core Values
These principles guide everything we do at Artham.
Trust
We build long-lasting relationships based on transparency, reliability, and integrity. Your trust is our most valuable asset.
Speed
Time is money in business. We ensure fast transactions, quick support responses, and rapid problem resolution.
Simplicity
Complex technology should have simple interfaces. We make powerful financial tools easy to understand and use.
Partnership
Your success is our success. We work alongside you as partners, not just service providers, to help your business grow.
Security
We employ bank-grade security measures, encryption, and compliance protocols to protect every transaction and customer.
Innovation
We continuously evolve our platform with new features, services, and technologies to stay ahead of market needs.
What Makes Us Different
We're not just another fintech platform. We're built specifically for shop owners like you.
We Understand Your Business
We know the challenges of running a small shop — tight margins, demanding customers, limited time. Our platform is designed around your reality.
See Exactly What You Earn
No hidden fees. No surprises. Commission rates are clearly shown before every transaction. What you see is what you get.
Money in Your Account Instantly
Why wait days for your earnings? Commission is credited to your bank account immediately after each transaction.
Support That Actually Helps
24×7 support in Hindi and English. When you call, you reach real people who can actually solve your problems.
Free Training, No Tech Skills Needed
Complete video training in Hindi. If you can use WhatsApp, you can use Artham. We make it that simple.
RBI Approved, Fully Legal
All services operate under proper regulatory licenses. Your business and your customers are protected.
Certifications & Compliance
We adhere to the highest industry standards and maintain comprehensive certifications to ensure the security, quality, and reliability of our services.
Commitment to Security & Compliance
At Artham, security and compliance are not afterthoughts — they are fundamental to everything we do. We undergo regular audits, maintain strict security protocols, and stay updated with the latest regulatory requirements to ensure your data and transactions are always protected.
100%
Data Encryption
24/7
Security Monitoring
Annual
Compliance Audits
Company Information
Artham is a product of YVSTG FINTECH PRIVATE LIMITED
Corporate Identification Number (CIN)
U63999DL2024PTC435709
Contact Email
Registered Office
House No 723, Ground Floor, Block A, Phase-2, Vijay Vihar, Rohini Sector 5, North West Delhi, Delhi, India - 110085
Ready to Start Earning?
Join 1,000+ shop owners who are already earning additional income with Artham. Registration is free and takes just 2 minutes.