Accelerate your digital journey, optimize your existing systems, and unify your retail solutions using Opus’ deep-rooted proficiency with retail payments.

Top challenges for Retailers today

Understanding payments as a merchant or retailer can redefine your business and how customers interact with your organization; Opus is at the forefront of innovation to enable companies to take control of their payments landscape.

  • Legacy architecture creates roadblocks for new initiatives

  • Fragmented customer experience

  • High cost of integrating new forms of payments

  • Efforts to maintain & enhance capabilities

  • Reliance on 3rd party platforms and services

  • Discrepancies in disputes & chargebacks

Key Offerings

Opus helps leading retail institutions keep up with the evolving payment innovation with omni-channel retail payment solutions for diverse forms of payments, digital retail solutions and services.

Digital Solutions for Retail Payments

Enterprise platforms for companies ready to lead omni-channel retail.

  • API-driven enterprise payments platform
  • Payments application modernization (migration to cloud, redesign architecture to Microservices)
  • Cloud based reconciliation solution
  • High availability, cloud-ready payment gateway adapter to accept payments on the web
  • Cloud ready billing solution

Omni-Channel Solutions

  • Tailor-made mPOS solutions, location-based applications, digital receipts, NFC and other proximity payment method solutions
  • Wallet provisioning/cloud-based hosting development, multi-provider integration and regulatory compliance
  • Customized mobile app development solutions
  • Virtual assistance for customer engagement
  • Seamless UI/UX design solution for EMV industry

Core Retail Solutions

Transforming retail with agile solutions to challenge traditional business models and stay ahead of the curve.


  • POS Application development & migration/porting
  • Mobile Application Development
  • Credit/debit MSR & EMV applications for contact/contactless cards acceptance
  • Value added application services for gift, loyalty, EBT and WIC
  • POS device application supporting payment & loyalty transaction
  • EMV acquirer certifications
  • EMV, P2PE, Tokenization
  • Switch Integration
  • Bio-metrics
  • PIC-DSS/PA-DSS Compliance
  • Integration using XFS Stds


  • C-Store application development & maintenance services
  • Electronic payment system development & integration with third party financial hosts/banks
  • Site controller development and vendor certifications
  • EPS Development
  • C-Store Data & Analytics Solutions
  • Customer Engagement, Targeted Marketing
  • Integration using PCATS & IFSF standards

Loyalty & Rewards

  • Customized points accumulation and redemption engine to increase customer usage and retention
  • Value added services e.g. mobile app/online marketing campaign
  • Integration with multiple channels to uniquely track customer across relationships
  • Value added services: pay using reward points, reward points to cash, event based bonus points

Service Offerings for Retail

Opus provides end-to-end retail services that help you automate your retail system, with a centralized pan view. Our core retail services include:


  • Cloud Strategy, Design, Migration, Modernization and Consulting
  • API Modernization, Governance and Strategy using Microservices
  • CRM Strategy, Migration & Consolidation (Salesforce) for Sales, Service, Marketing & Community Cloud
  • Mobile Application Development
  • UX Strategy, Design & Consulting

Application Development

  • Support & enhance your existing payment technology needs with application development, quality assurance, managed services & ongoing support
  • Integration with other applications in the payments value chain to bring in new mandates, features and capabilities

Testing & Certifications

  • ADVTK & TIP certification
  • Repository of Test cases for standard device testing
  • Acquirer End to End testing for multiple implementations
  • Resource expertise on tools & simulators viz. EVAL, ICCSim, FinSim, XFS

The Opus Advantage

  • Technology transformation and payment acceptance solution experts

  • Unique execution methodology

  • Rich transaction processing experience

  • Opus lives at the intersection of emerging tech and innovation