Credit Khata
Notes for shopkeepers
Guides for shopkeepers on selling on credit, credit limits, payment reminders and keeping a digital credit book, and what is new in Credit Khata.
WhatsApp payment reminder templates for shops (English & Roman Urdu)
Copy-ready WhatsApp payment reminders for shops in English and Roman Urdu: before the due date, on the day, overdue, a second reminder, plus thank-you and payment-plan messages.
New in Credit Khata: profile photos for customers, owners and staff
Customers can add a photo on each shop account, seen only by that shop. Owners and staff add their own, and an owner or manager can take down a customer's photo.
New in Credit Khata: amounts in your own language, and a country check
Choose how money is written: English (PKR 1,850.00) or your language's own digits and sign (٣٧٫٥٠ ر.س). Shop owners whose countries don't match confirm them once.
Why an offline-first ledger matters for small shops
An offline-first ledger saves each entry on the device first and uploads it later, so the counter never waits for the network, and a careful sync makes sure nothing is lost or doubled.
What is a credit book? Digital credit book vs the paper register
A credit book is a shop's credit register: who took goods on credit, and who has paid. A digital credit book keeps the same record but adds totals, backups, reminders and a customer view.
Shop staff permissions: what a cashier and a manager should do
Give each person their own login. Cashiers sell, take payments and remind; managers also fix records and see the books; only the owner handles staff, branches and the business's data.
How to reduce bad debts and recover shop credit politely
Most unpaid credit comes from drift, not bad intent: no due date, no reminder, a disputed total. Prevent it with limits and clear entries, then follow a polite, steady ladder.
Moving from a paper credit register to an app, step by step
Pick a switch-over date, total each customer's page, add them to the app with that total as the opening balance, share each account so customers can check it, then write only in the app.
How to set credit limits for your shop's customers
Base each customer's limit on one pay cycle of their normal purchases, start new customers low, pair every limit with a due date, tell the customer, and review limits monthly.
How to manage credit in a kiryana or general store
Decide who gets credit, set a limit and a due date for each customer, write every entry with its items, record every payment, review old dues weekly and remind politely.
New in Credit Khata: payments, disputes, reminders and more
Credit Khata now helps settle the ledger, not just keep it: customers pay by wallet and tap I've paid, confirm or dispute entries, and get one-tap reminders, with limits and more.
Accept JazzCash, Easypaisa and Raast payments in a small shop
Share one wallet number and one bank or Raast account, ask customers for the transaction ID, check your own account before you mark anything paid, and match each payment to the right customer.