Topic
#small business
Articles about small business from the Credit Khata blog and help centre.
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.
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.
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.
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.
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.
Reports: cash book, old dues, sales and profit
Open Reports for four views: Cash book (money in and out), Old dues (who has owed for how long), Sales (credit and cash by day or month) and Profit (an estimate after costs).