Credit Khata Shared Ledger
Customer sign in Open your shop
New AI that answers from your own books, and delivery with riders and door codes Credit · Paid · Balance

One ledger.
Both sides of the counter.

The shop writes the entry. The customer opens the same ledger — not a photo of a notebook page, not a number they have to take on trust.

Open your shop See how it works

A month of Pro free Always free for customers Works offline at the counter

3apps, all reading one ledger
14languages, each written in its own script
0bars of signal needed at the counter
1record — the shop and customer see the same one
Every kind of shop

If your regulars carry a balance, this is your book

Dairy rounds, the bakery counter, a pharmacy, an agri-supply store, the mobile repair stall — the ledger does not care what you sell. Only that someone owes you for it.

Grocery / general store Balance 2,180
Dairy / milk supplier Balance 940
Bakery / bread shop Balance 1,260
Pharmacy / medical store Balance 3,450
Agri supplies / seeds & fertiliser Balance 12,800
Mobile / electronics Balance 7,400
Pesticides / crop protection Balance 9,600
Hardware / paint Balance 4,150
Tailor / boutique Balance 1,850
Butcher / meat Balance 2,600
Restaurant / roadside cafe Balance 780
Auto parts Balance 5,300

Pick your trade when you open your shop

How it works

Three moves, and the argument never happens

Most credit disputes come from two copies of the truth — the shop's notebook and the customer's memory. There is only one record here, and both sides are looking at it.

The shop writes it

Pick the customer, enter the amount, mark it credit or payment. One tap. If the internet is down, the entry waits on the device instead of being lost.

It syncs to the ledger

The moment there is a connection the queued entries post themselves, in order and exactly once — a retry can never double-charge a customer.

The customer is told, and opens the same account

Their phone gets a push alert with the amount and the new balance. They sign in with a code you give them and read their own entries and running balance — already current, because it is the shop's ledger, not a copy.

A day at the shop

What actually happens, start to finish

One customer, one purchase, one payment. This is the whole product.

Step 1

Ali takes rice on credit

He will pay at the end of the month. The shopkeeper taps his name and types 1,180.

Step 2

Internet or no internet, it saves

With signal, it goes up straight away. Without signal, it waits on the shop's phone and uploads itself the moment the signal is back. Nothing to remember, nothing lost, nothing typed twice.

Step 3

Ali's phone buzzes

An alert arrives the moment it syncs — the rice, the date and the new total. Same ledger, nothing to dispute.

Step 4

He pays, and it clears

The shopkeeper records the payment. Ali's balance drops to zero on both phones.

AI assistant

Ask your shop a question. The answer comes from your own books.

No more adding up the register after closing. Ask in your own words and your own language, and the answer arrives in seconds — worked out from the entries your shop has already made.

Ask your booksAslam General Store Pro
Who has owed me the longest?

Imran Cloth House — Rs 6,200, owed for over 60 days.

Imran Cloth HouseOver 60 days 6,200
Fatima Bibi31–60 days 2,300
Muhammad Aslam0–30 days 2,180
Report this answer
How did sales go this week?

Rs 48,300 this week, Rs 5,100 more than last week. Your best day brought in Rs 9,200.

+ Rs 5,100 vs last week
21 22 23 24 25 26 27
Report this answer
What sells the most?

Over the last 90 days: Cooking oil, 5 L, with 46 sold. Then Atta, 10 kg, then Sugar.

Cooking oil, 5 L 46 sold
Atta, 10 kg 38 sold
Sugar 31 sold
Report this answer
Was the till ever short this week?

Once: on the 23rd the count came up Rs 300 short. Every other day matched.

21 22 23 −300 24 25 26 27
MatchedShort
Report this answer
Try a question

Ask in your own words — who has owed you the longest, say — and the AI answers from your shop's own books. Any answer can be reported.

It finishes the item name for you

Type the first letters and pick the rest — names that fit your kind of shop, your city and your language.

Say it instead of typing it

Speak the sale and it lands as a line — item, quantity and amount — ready to check before you save.

  • Knows your shop Suggestions fit your trade, your city and the language you work in.
  • Reads your own numbers It looks at your balances, sales, best sellers and day closes before it answers — your shop's real entries.
  • You stay in charge Nothing is saved until you check it, and any answer that looks wrong can be reported.

Pro Ask your books and the AI helpers come with Pro — and every new shop gets a month of Pro free.

Orders and delivery

Deliver to the whole neighbourhood, and get every coin back in the till

Customers order from their phone. You accept with one tap and a rider takes it to the door. The sale lands on their account, a door code shows it reached the right person, and the cash the rider collects comes back into your till.

Sell beyond the counter

Regulars who can't come in still buy from you — busy families, older customers, the office down the road.

Your rules, set once

A flat fee or free above an amount, a minimum order, the areas you cover and a same-day cut-off.

Proof at the door

The 4-digit code shows the order reached the right person, not just the right street.

Rider cash, counted

See what each rider is carrying. It joins the till and the day close only once you've received it.

Free Customer orders and delivery are free on every plan. Riders sign in with their own staff logins, which come with Pro.

See it running

The real apps, doing a real day's work

Not drawings of the product — these are the counter app and the customer app themselves, captured from a working shop's ledger.

The counter
Payments inbox
A customer's page
Reminders
Stock
Reports
Staff
The apps

Three apps, one ledger

They all read and write the same ledger. Which one you use depends on where you are standing — behind the counter, or in front of it.

Counter app

Live For the shopkeeper, at the till

This is where a shop starts. Open your account right in the counter app, add your first customer, and you are trading. It installs like a native app and keeps working when the connection does not.

  • Open your shop account here — no separate signup
  • Offline queue that posts itself when signal returns
  • Generate a sign-in code or QR for a customer
  • Payments inbox, reminders and credit limits
Open your shop Installable · offline-first

Customer web

Live For the customer, on any phone

Nothing to install. The customer opens a link, signs in with the code the shop gave them, and reads their own account — and only their own.

  • Running balance with every entry behind it
  • Sign in by one-time code — no password to forget
  • Browser push the moment credit or a payment is written
  • Pay the shop, then tap “I've paid”
Open the customer view Any browser · no install

Android app

Live Shopkeeper and customer in one app

The native app knows which side you are on when you sign in: the full shop for a shopkeeper, their own account for a customer.

  • Scan a customer's QR to open their account
  • Entries stored on the device and synced in the background
  • Push alerts on the handset, even with the app closed
  • Pro and Business as Google Play subscriptions
Get it on Google Play Android 8.0+
New

Now it runs the rest of the shop, too

Getting paid, chasing what is owed, stock, staff and the books — all on the same shared ledger.

Get paid, on the record

Your wallet and bank details sit inside the customer's app — JazzCash, bKash, UPI, M-Pesa, whatever your country uses. They pay the way they already do, tap “I've paid”, and one tap from you puts it on the ledger. The money comes straight to you; nothing passes through us.

Reminders that write themselves

One tap opens WhatsApp or SMS with a polite message — the balance, the due date and how to pay already in it. Sent from your own phone, at no cost.

Scan it, sell it, stock follows

Read barcodes with the phone's camera or a scanner. Every sale takes the item off the count, and low stock is flagged before the shelf is empty.

Reports that draw themselves

A cash book, sales by day, who has owed for how long and an estimate of profit — as charts you can read at a glance, for one branch or the whole business.

New customers join from a QR

Put your QR on the counter. A new customer scans it with their phone and asks to join; once you approve, their account opens on their phone.

One account for the whole family

Add family members to one account, so the whole household buys on it and carries one balance.

Offers and notices, on their phones

Send an offer or a notice — a price drop, a holiday closing — and it reaches your customers' phones as an alert.

Wholesale prices for the right customers

Tag a customer as wholesale and the counter gives them your wholesale price, while everyone else pays the normal price.

The day, summed up

One screen at closing time: sales, credit given, cash taken, payments received, expenses, whether the till matched and who owes the most. Step back to any earlier day.

Staff, with the right keys

Owner, manager or cashier. Each gets their own login, pinned to one branch, and sees only what the job needs.

Staff sign in with a scan

Show a cashier or rider a QR on your phone. They scan it on theirs and they're signed in — no password read out across the counter. Each code works once, for 5 minutes.

Credit limits and due dates

Set how much a customer may carry and when it is due. The counter warns before a sale goes over, and overdue accounts rise to the top.

Statements and receipts

A customer's full statement or a counter receipt, drawn in the app and shared as a PDF — or printed straight to a small Bluetooth receipt printer.

Expenses and suppliers, in the same book

Rent, bills and wages on one side; what you owe each supplier on the other. The shop's whole position, not only what customers owe.

Who it's for

Two sides of the counter, each seeing exactly its own slice

Merchant

Runs the counter

Grocery stores, medical stores, dairy and tuck shops — anyone who lets regulars carry a balance. Signs up in a minute and owns their own customers.

Staff

Works the till

A manager, cashier or rider with their own login, pinned to one branch. The owner decides what each role can see and do.

Customer

Carries the balance

Reads their own account on a phone, in their own language. Sees every entry behind the number, so the total is never a surprise.

For the customer

What your customers can finally do for themselves

No app to install, no account to create, no password. The shop hands them a code and their account is on their own phone from then on.

Told the moment it changes A push alert lands as soon as the shop writes an entry, so you always know what you owe before you reach the counter.
See what made up the total Every item and every date behind the number. If something looks wrong, you can point at the exact line.
Get in without a password Nothing to remember and no email to hand over. The shop gives you a code, or scans your QR at the counter.
Reach the shop in one tap The shop's own card sits at the top of your account — call or message them without hunting for the number.
Pay the shop from your phone The shop's payment details are right there. Pay the usual way, tap “I've paid”, and the shop confirms it into the ledger.
Confirm it, or question it Every entry can be confirmed, or questioned with a reason. A disagreement becomes a note on the exact line, not an argument at the counter.
Languages

Your customer reads it in their own script

Language is chosen per person, not per shop — the shopkeeper can work in Urdu while a customer reads the same account in English.

English English · Default
اردو Urdu · Right to left
العربية Arabic · Right to left
Bahasa Indonesia Indonesian
বাংলা Bengali
हिन्दी Hindi
Naijá Nigerian Pidgin
Kiswahili Swahili
Français French
Hausa Hausa
فارسی Persian · Right to left
Español Spanish
简体中文 Chinese (Simplified)
Русский Russian

Translated by AI — there may be mistakes. Tell us and we will fix them.

What's inside

Built for a shop that cannot afford to lose a number

Every one of these is in the product today, across all three apps.

Entries survive a dead signal

Sales recorded offline queue on the device and post themselves the moment the connection returns. Nothing is retyped.

Alerts the moment it is written

When the shop records credit or a payment, the customer's phone gets a push notification with the amount and their new balance — on Android and in the browser.

Never posted twice

Every entry carries an idempotency key, so a retry, a double tap or a flaky network can't charge a customer for the same bag of atta twice.

Passwordless for customers

Generate a one-time code or a QR the customer scans. No email address to collect, no password for them to forget.

Every shop is sealed off

A shopkeeper sees only the customers they created. No shop can read another's ledger, ever — it is enforced in the query, not the interface.

Nothing quietly disappears

Every entry keeps its date and its history, so a balance can always be traced back to the purchases and payments that made it.

Opening balances carried over

Start a customer at whatever the paper book already says they owe, then let the running balance take it from there.

Take the numbers with you

Export customers, balances and owners to CSV whenever you want them in a spreadsheet or in front of an accountant.

Their own language, all the way down

Not just the buttons — every screen and every error is translated, each language in its own script, with right-to-left handled properly.

Your shop, not our template

Logo, banner, tagline, WhatsApp and socials. Customers see your shop's own card at the top of their account.

Every branch on one login

Open a second shop and switch between them from the same account, or issue a branch its own username so whoever runs it sees only that counter.

How many, not just how much

Every line carries a quantity beside the item and the amount — two kilos or three packets — so a balance can be checked against what was actually taken.

Confirm or question any entry

Customers can confirm an entry or question it with a reason. The shop sees it, resolves it, and the record keeps both sides.

Two-step sign-in and app lock

A one-time code by email before a new device gets into your shop, and a PIN or fingerprint lock on the Android app.

Payment details for your country

JazzCash and Easypaisa, bKash and Nagad, UPI, M-Pesa or a bank account — each branch lists the ways it takes money, checked for the right format.

Every signed-in device, listed

See each phone and browser signed in to your account, and sign one out — or all the others — from wherever you are.

Links that open the right account

Share a customer's sign-in as a link or a QR code. It opens their account straight in the app, or in the browser if they don't have it.

The money comes straight to you

Customers pay you directly, the way they already do. Nothing passes through Credit Khata, so there is no cut and no payment fee.

Delivery on your terms

A flat fee or free above an amount, the areas you deliver to, and delivery hours with a same-day cut-off.

Riders with their own screens

A rider signs in to a screen of their own with just their deliveries. The cash they collect at the door is handed over to the shop.

A door code for every delivery

The customer shows the rider a 4-digit code from their app, so you know the order reached the right door.

Receipts over Bluetooth

Pair a small Bluetooth receipt printer and print the counter receipt straight from the phone.

Any AI answer can be reported

If an answer from the AI looks wrong, report it right where it appears, and it comes to us to check.

Pro and Business through Google Play

Buy Pro or Business inside the Android app as a Google Play subscription. Pro is monthly or yearly, with a free trial; Business is monthly, with no free trial.

What it costs

Start free. Grow into Pro or Business. Always free for your customers.

Every new shop gets a month of Pro to try everything. After that, stay on Free for as long as you like, keep Pro for a small monthly fee, or move to Business when the counter never stops. Customers reading their own account never pay.

Merchants · Free
Free for as long as you like

The credit book, free

Everything a counter needs to keep credit straight, with no card and no time limit.

  • Up to 35 transactions a day
  • Up to 500 customers
  • Customer orders with delivery, and reports
  • Tools for your trade: pharmacy refills, harvest credit, sites, restaurant tables, delivery diary, job cards and bookings
  • Credit, payments and reminders
  • Counter app, offline entries and sync
  • Products, stock and barcodes
  • Join by QR, family accounts, offers and wholesale prices
  • Promises to pay, tags and bill photos
  • Export everything you enter
  • Every language the apps speak
Merchants · Pro
USD 8.99 a month

or ⁦USD 84.99⁩ a year · first month free

Every tool, for a growing shop

For shops with branches, staff and more to keep track of.

In the Android app, Pro is a Google Play subscription — monthly or yearly, with a free trial. On the counter app and the web, you can still pay the way you pay anyone else, with no card needed.

  • Up to 85 transactions a day
  • Unlimited customers
  • More branches and staff logins
  • Close the day and instalment plans
  • Backup, restore and a weekly email backup
  • AI item suggestions, and entries read from a photo
  • AI answers from your own books
  • AI every week — item suggestions: 70 · entries read for you: 100 · answers from your books: 30
  • Payroll for your workers
Merchants · Business
USD 89 a month

Every tool, no daily limit

For busy counters, wholesalers and shops with many branches — the whole business writes as much as the day needs.

In the Android app, Business is a monthly Google Play subscription, with no free trial. On the counter app and the web, you can pay us directly instead.

  • No daily limit on transactions
  • Everything in Pro
  • Every branch and every staff login, with no count to watch
  • AI with no weekly limit, under fair use
  • Automatic SMS and WhatsApp to your customers, from the 1st of the month after you subscribe

Fair use applies: Business is for one business, with its own branches and staff. Terms of Use

Customers · forever
Free always, no end date

Your customers never pay

Anyone reading their own account is free for good — whichever shop they buy from, however long they use it. There is nothing to upgrade to.

  • Sign up and read their account free
  • Balance and full entry history
  • Works on any phone browser
  • No card, no ads, no limits
  • Pay the shop and keep a statement

A transaction is any money record — credit, a payment, a sale, an expense or a supplier bill — by anyone in the business, all branches together. The count starts again at midnight, shop time, and a payment from a customer always goes through, even past the limit.

Prices are in US dollars. The app shows the price for your country.

For businesses

Resell Pro to the shops you know

Suppliers, mobile shops, accountants and distributors can buy Pro keys in bulk at wholesale prices, pay through Payoneer, and give each shop a key.

Become a reseller Reseller sign-in
Start today

Put the notebook down.

Open a shop account, add your first customer, and carry over what they already owe. It takes about a minute.

Open your shop Merchant sign in Customer sign in