Kaarma needs a Retail account to process "card present" transactions that are run in-person via a Kaarma credit card swiper.  

Kaarma needs a MOTO account to process "card not-present" transactions that are online transactions made by customers when service has been completed.

These need to be separate accounts because there are typically different credit card processing rates that apply to each bank account.  MOTO transactions are normally charged higher rates than Retail transactions.