Credit Khata Ledger Wey Una Share
Kostoma sign in Open your shop
New AI wey dey answer from your own books, plus delivery with riders and door code Credit · Don pay · Balance

One account book.
Di two sides of di counter.

Di shop write di entry. Di kostoma open di same account book — no be photo of notebook page, no be number wey e go just believe like dat. Na di real account e dey see.

Open your shop See how e dey work

One month of Pro free E free forever for kostoma dem E dey work offline for counter

3apps, all of dem dey read one account book
14languages, each one dey write for im own script
0network bar wey you need for counter
1record — di shop and di kostoma dey see di same one
Any kind of shop at all

If your regular kostoma dem dey carry balance, dis na your account book

Provision store, bread seller, chemist, agro shop, di phone repair guy for roadside — di account book no send wetin you dey sell. Na only say person dey owe you for am.

Provision / general store Balance 2,180
Milk / dairy supplier Balance 940
Bakery / bread shop Balance 1,260
Pharmacy / chemist Balance 3,450
Agro shop / seed and fertilizer Balance 12,800
Phone / electronics Balance 7,400
Pesticide / agro-chemical Balance 9,600
Hardware / paint shop Balance 4,150
Tailor / boutique Balance 1,850
Butcher / meat seller Balance 2,600
Restaurant / buka Balance 780
Motor spare parts Balance 5,300

Pick your kind business wen you open shop

How e dey work

Three moves, and quarrel no go even start

Most credit quarrel dey start because di truth get two copy — di shop notebook and di kostoma memory. For here, na only one record dey, and di two sides dey look am.

Di shop write am

Pick di kostoma, put di amount, mark am credit or payment. One tap. If network no dey, di entry go wait for di device — e no go lost.

E sync go di account book

Di moment network show, di entries wey dey wait go post demsef, one by one and exactly once — retry no fit charge kostoma two times.

Dem tell di kostoma, and e open di same account

Im phone go get push alert with di amount and di new balance. E go sign in with di code wey you give am, come read im own entries and di running balance — e don already dey current, because na di shop own account book, no be copy.

One day for di shop

Wetin dey really happen, from start to finish

One kostoma, one market, one payment. Na dis be di whole product.

Step 1

Emeka take rice for credit

E go pay wen month end. Di shop owner tap im name come type 1,180.

Step 2

Network dey or e no dey, e go save

If network dey, e go up sharp-sharp. If network no dey, e go wait for di shop phone come upload imsef di moment network return. Notin to remember, notin wey go lost, notin wey you go type two times.

Step 3

Emeka phone buzz

Alert enter di moment e sync — di rice, di date and di new total. Same account book, notin to quarrel about.

Step 4

E pay, and e clear

Di shop owner record di payment. Emeka balance drop go zero for di two phones.

AI helper

Ask your shop any question. Di answer go come from your own books.

No more to dey add di book after you don close. Ask am di way you dey talk, for your own language, and di answer go land in seconds — e go work am out from di entries wey your shop don already write.

Ask your accountNgozi Provision Store Pro
Who don owe me pass everybody for long?

Tunde Cloth House — Rs 6,200, e don owe am pass 60 days.

Tunde Cloth HousePass 60 days 6,200
Mama Nkechi31–60 days 2,300
Chinedu Okafor0–30 days 2,180
Report dis answer
How sales take go dis week?

Rs 48,300 dis week, Rs 5,100 pass last week. Your best day bring Rs 9,200.

+ Rs 5,100 compare to last week
21 22 23 24 25 26 27
Report dis answer
Wetin dey sell pass?

For di last 90 days: Groundnut oil, 5 L, dem sell 46. Den Garri, 10 kg, den Sugar.

Groundnut oil, 5 L 46 don sell
Garri, 10 kg 38 don sell
Sugar 31 don sell
Report dis answer
Di drawer short at all dis week?

Only once: on di 23rd, di count short by Rs 300. All di oda days balance.

21 22 23 −300 24 25 26 27
E balanceE short
Report dis answer
Try one question

Ask am di way you dey talk — like who don owe you pass everybody for long — and di AI go answer from your shop own books. You fit report any answer.

E go finish di item name for you

Type di first letters, pick di rest — names wey fit your kind shop, your city and your language.

Talk am instead of to type am

Talk di sale and e go land as one line — item, how many and amount — ready make you check am before you save.

  • E sabi your shop Wetin e suggest go fit your business, your city and di language wey you dey use work.
  • E dey read your own numbers E go look your balances, sales, di tins wey dey sell pass and your close-day before e answer — your shop own real entries.
  • Na you still dey in charge Notin go save until you check am, and if any answer no look correct, you fit report am.

Pro “Ask your account” and di AI helpers dey come with Pro — and every new shop go get one month of Pro free.

Orders and delivery

Deliver reach di whole area, and all di cash go come back enter your drawer

Kostoma dem dey order from dia phone. You go accept with one tap, and rider go carry am reach dia door. Di sale go land for dia account, door code go show say e reach di correct person, and di cash wey rider collect go come back enter your drawer.

Sell pass di counter

Your regular kostoma wey no fit come shop still dey buy from you — family wey no get time, old kostoma dem, di office wey dey down di road.

Your own rules, set am once

One fixed fee or free from one amount go up, minimum order, di areas wey you dey cover and same-day cut-off.

Proof for di door

Di 4-digit code dey show say di order reach di correct person, no be only di correct street.

Rider cash, counted well-well

See wetin each rider dey carry. E go only enter di drawer and di close-day after you don collect am.

Free Customer orders and delivery dey free for every plan. Riders dey sign in with dia own staff login, and staff logins dey come with Pro.

See am dey work

Di real apps, dey work one real day for shop

No be drawing of di product — na di counter app and di kostoma app demsef, wey we snap from di account book of one shop wey dey work.

Di counter
Di payment inbox
Di kostoma page
Di reminders
Di stock
Di reports
Di staff
Di apps

Three apps, one account book

All of dem dey read and write di same account book. Di one wey you go use depend on wia you stand — behind di counter, abi in front of am.

Counter app

E dey live For di shop owner, for counter

Na here shop dey start. Open your account right inside di counter app, add your first kostoma, and you don begin sell. E dey install like native app and e go still dey work wen network no gree.

  • Open your shop account here — no separate signup
  • Offline queue wey dey post imsef wen network return
  • Generate sign-in code or QR for kostoma
  • Payment inbox, reminder and credit limit
Open your shop You fit install am · offline-first

Kostoma web

E dey live For di kostoma, for any phone

Notin to install. Di kostoma open link, sign in with di code wey di shop give am, come read im own account — na only im own.

  • Running balance with every entry wey dey behind am
  • Sign in with one-time code — no password wey you go forget
  • Browser push di moment dem write credit or payment
  • Pay di shop, then tap “I don pay”
Open di kostoma view Any browser · no install

Android app

E dey live Shop owner and kostoma inside one app

Di native app sabi which side you dey wen you sign in: full shop for shop owner, im own account for kostoma.

  • Scan kostoma QR make you open im account
  • Entries dey save for di device and dey sync for background
  • Push alerts for di phone, even wen di app don close
  • Pro and Business as Google Play subscription
Get am for Google Play Android 8.0+
Wetin dey new

Now e dey run di rest of di shop too

To collect money, to chase wetin people owe, stock, staff and di books — all of dem sit on top di same shared account book.

Collect your money, e go dey for record

Your wallet and bank details dey inside di kostoma app — JazzCash, bKash, UPI, M-Pesa, anyone wey una dey use for your country. Dem go pay di way dem don dey pay before, tap “I don pay”, and one tap from you go put am for di account book. Di money go come straight to you; notin dey pass through us.

Reminder wey dey write imsef

One tap go open WhatsApp or SMS with polite message — di balance, di pay-by date and how to pay don already dey inside. You go send am from your own phone, e no go cost you anything.

Scan am, sell am, stock go follow

Read barcode with di phone camera or scanner. Every sale go remove di item from di count, and we go warn you say stock don low before di shelf empty.

Reports wey dey draw demsef

Cash book, sales for each day, who dey owe and since when, plus profit estimate — as charts wey you fit read one time, for one branch or di whole business.

New kostoma fit join with QR

Put your QR for di counter. New kostoma go scan am with dia phone come ask to join; once you approve, dia account go open for dia phone.

One account for di whole family

Add family members to one account, so di whole house go dey buy for di same account and carry one balance.

Offers and notice, straight to dia phone

Send offer or notice — price don drop, shop go close for holiday — and e go land for your kostoma phone as alert.

Wholesale price for di right kostoma

Tag kostoma as wholesale and di counter go give am your wholesale price, while everybody else go pay normal price.

How di day take go

One screen wen you dey close: sales, credit wey you give, cash sales, payment wey enter, expenses, whether di drawer balance and who dey owe you pass. You fit go back check any day wey don pass.

Staff, with di correct keys

Owner, manager or cashier. Each one get im own login, wey dem pin to one branch, and e go see only wetin im work need.

Staff go sign in with one scan

Show cashier or rider one QR for your phone. Dem go scan am with dia own phone and dem don sign in — nobody go shout password across di counter. Each code dey work only once, for 5 minutes.

Credit limit and pay-by date

Set how much kostoma fit owe and when e suppose pay. Di counter go warn you before sale pass di limit, and accounts wey time don pass go climb go top.

Statement and receipt

Kostoma full statement or counter receipt, wey di app draw, and you fit share am as PDF — or print am straight for small Bluetooth receipt printer.

Expenses and suppliers, inside di same book

Rent, bills and salary for one side; wetin you dey owe each supplier for di oda side. Di whole shop position, no be only wetin kostoma dem dey owe.

Who e be for

Two sides of di counter, each one dey see only im own portion

Shop owner

Na im dey run di counter

Provision store, chemist, milk seller and small kiosk — anybody wey dey allow regular kostoma carry balance. E go sign up inside one minute, and na im get im own kostoma dem.

Staff

Na im dey man di counter

Manager, cashier or rider with dia own login, wey dem pin to one branch. Na di owner go decide wetin each role fit see and do.

Kostoma

Na im dey carry di balance

E dey read im own account for phone, for im own language. E dey see every entry wey dey behind di number, so di total no go ever surprise am.

For di kostoma

Tins wey your kostoma dem fit finally do by demsef

No app to install, no account to create, no password. Di shop give dem code, and from dat time dia account dey dia own phone.

Dem go tell you di moment e change Push alert go land as soon as di shop write entry, so you go always know wetin you dey owe before you even reach counter.
See wetin make up di total Every item and every date wey dey behind di number. If sometin no look correct, you fit point di exact line.
Enter witout password Notin to remember and no email to give out. Di shop go give you code, abi dem go scan your QR for counter.
Reach di shop with one tap Di shop own card dey sidon on top your account — call dem or message dem witout you go dey find number up and down.
Pay di shop from your phone Di shop payment details dey right there. Pay di way wey you dey pay before, tap “I don pay”, and di shop go confirm am enter di account book.
Confirm am, or query am You fit confirm every entry, or query am with reason. If una no agree, e go turn note for di exact line — no be quarrel for counter.
Languages

Your kostoma go read am for im own script

Na each person dey pick im own language, no be di shop — di shop owner fit work for Urdu while kostoma read di same account for English.

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

Na AI translate am — mistake fit dey inside. Tell us and we go correct am.

Wetin dey inside

Dem build am for shop wey no fit afford to lose even one number

Every one of dis dey inside di product today, for all di three apps.

Entries dey survive wen network die

Sales wey you record offline go queue for di device come post demsef di moment network return. Notin wey you go type again.

E dey alert di moment dem write am

Wen di shop record credit or payment, di kostoma phone go get push notification with di amount and im new balance — for Android and for browser.

E no dey ever post two times

Every entry dey carry idempotency key, so retry, double tap or network wey dey misbehave no fit charge kostoma for di same bag of garri two times.

No password for kostoma dem

Generate one-time code or QR wey di kostoma go scan. No email address to collect, no password wey dem go forget.

Every shop dey lock by imsef

Shop owner dey see only di kostoma wey im create. No shop fit read anoda shop account book, ever — na di query dey enforce am, no be di interface.

Notin dey quietly disappear

Every entry dey keep im date and im history, so you fit always trace balance back to di purchases and payments wey make am.

Opening balance dey carry over

Start kostoma with wetin di paper book already talk say e dey owe, den make di running balance carry am from there.

Carry di numbers waka with you

Export kostoma dem, balances and owners go CSV anytime you want dem for spreadsheet or in front of accountant.

Dia own language, all di way down

No be only di buttons — dem translate every screen and every error, each language for im own script, and dem handle right-to-left proper.

Na your shop, no be our template

Logo, banner, tagline, WhatsApp and socials. Kostoma dem go see your shop own card on top of dia account.

Every branch under one login

Open second shop come dey switch between dem from di same account, abi give one branch im own username so di person wey dey run am go see only dat counter.

How many, no be only how much

Every line dey carry quantity beside di item and di amount — two kilo or three packet — so you fit check di balance against wetin dem really take.

Confirm or query any entry

Kostoma dem fit confirm entry or query am with reason. Di shop go see am, settle am, and di record go keep di two sides.

Two-step login and app lock

One-time code for email before new device fit enter your shop, and PIN or fingerprint lock for di Android app.

Payment details wey fit your country

JazzCash and Easypaisa, bKash and Nagad, UPI, M-Pesa or bank account — each branch go list di ways wey e dey take collect money, and we go check say di format correct.

Every device wey don sign in, for one list

See every phone and browser wey don sign in to your account, and log one out — or all di oda ones — from anywhere you dey.

Link wey dey open di correct account

Share kostoma sign-in as link or QR code. E go open im account straight inside di app, or for browser if e no get di app.

Di money dey come straight to you

Kostoma dem dey pay you direct, di way dem don dey pay before. Notin dey pass through Credit Khata, so nobody go cut your money and no payment fee.

Delivery for your own terms

Fixed fee or free from one amount, di areas wey you dey deliver go, and delivery hours with same-day cut-off.

Riders get dia own screen

Rider go sign in to im own screen wey get only im deliveries. Di cash wey e collect for door, e go hand am over to di shop.

Door code for every delivery

Di kostoma go show di rider one 4-digit code from dia app, so you go know say di order reach di correct door.

Receipt through Bluetooth

Connect small Bluetooth receipt printer and print di counter receipt straight from di phone.

You fit report any AI answer

If AI answer no look correct, report am for di same place wey e show, and e go come meet us to check.

Pro and Business through Google Play

Buy Pro or Business inside di Android app as Google Play subscription. Pro na monthly or yearly, with free trial; Business na monthly only, no free trial.

Wetin e cost

Start free. Move to Pro or Business when your shop grow. E dey always free for your customers.

Every new shop go get one month of Pro to try everything. After that, stay for Free as long as you want, keep Pro for small monthly money, or move to Business when your counter no dey rest. Customers wey dey check their own account no dey ever pay.

Shop owners · Free
Free as long as you want

Di credit book, free

Everything wey counter need to keep credit straight — no card, no time limit.

  • Up to 35 transactions every day
  • Up to 500 customers
  • Customer orders with delivery, and reports
  • Tools for your kind of business: 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 with QR, family account, offers and wholesale prices
  • Promise to pay, tags and bill photos
  • Export everything wey you enter
  • Every language wey the apps dey speak
Shop owners · Pro
USD 8.99 every month

or ⁦USD 84.99⁩ every year · first month free

Every tool, for shop wey dey grow

For shops wey get branches, staff and plenty things to track.

For di Android app, Pro na Google Play subscription — monthly or yearly, with free trial. For di counter app and di web, you fit still pay di way you dey pay anybody — no card needed.

  • Up to 85 transactions every day
  • Customers no get limit
  • More branches and staff logins
  • Close the day and instalment plans
  • Backup, restore and weekly email backup
  • AI item suggestions, and entries wey e read from photo
  • AI answers from your own books
  • AI every week — item suggestions: 70 · entries wey AI read for you: 100 · answers from your books: 30
  • Salary for your workers
Shop owners · Business
USD 89 every month

Every tool, no daily limit

For busy counters, wholesalers and shops wey get many branches — di whole business fit write as much as di day need.

For di Android app, Business na monthly Google Play subscription, no free trial. For di counter app and di web, you fit pay us direct instead.

  • No daily limit for transactions
  • Everything wey dey inside Pro
  • Every branch and every staff login, no count to dey watch
  • AI wey no get weekly limit, but use am fair
  • Automatic SMS and WhatsApp to your customers, from 1st day of the month after you subscribe

Fair use dey apply: Business na for one business, with im own branches and staff. Rules for Use

Kostoma dem · forever
Free always, no end date

Your kostoma dem no dey ever pay

Anybody wey dey read im own account free for life — any shop wey e dey buy from, no matter how long e use am. Notin dey to upgrade to.

  • Dem go sign up come read dia account free
  • Balance and di full entry history
  • E dey work for any phone browser
  • No card, no ads, no limit
  • Pay di shop and keep your statement

Transaction na any money record — credit, payment, sale, expense or supplier bill — wey anybody for di business write, all branches together. Di count go start again for midnight, shop time, and payment wey customer make go always enter, even after di limit.

Prices dey for US dollars. Di app go show di price for your country.

For businesses

Sell Pro to di shops wey you know

Suppliers, phone shops, accountants and distributors fit buy Pro keys in bulk for wholesale price, pay through Payoneer, and give each shop one key.

Become reseller Reseller sign in
Start am today

Drop di notebook.

Open shop account, add your first kostoma, come carry over wetin dem already dey owe. E no go pass like one minute.

Open your shop Shop owner sign in Kostoma sign in