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Khata & money
The book on the counter, without the book on the counter.
Customer credit is not a feature bolted onto billing. For most Indian shops it is half the business, and the half that decides whether the month works.
Three things a paper khata cannot do
It records perfectly well. What it cannot do is the follow-up — and the follow-up is where the money is.
Ask, by itself
A reminder on WhatsApp with the balance, the last few entries and a UPI link that pays it. Sent on a schedule you set, so the uncomfortable conversation happens without you having to start it.
Match the payment to the bill
A UPI QR generated per invoice means the money arrives already knowing what it is for. No guessing which of Sharma-ji's four bills the ₹2,000 was against.
Tell you who has stopped
Ageing by party: thirty days, sixty, ninety, and the ones who have quietly gone silent. A paper book shows a balance; it does not show a trend.
In detail
Credit on the bill
Credit is part of the sale, not a second entry in a second place. The balance moves as the bill is made.
Reminders that go out
WhatsApp and SMS, on a schedule, with the statement and a payment link. Escalating politely rather than all at once.
Per-invoice UPI QR
Dynamic QR tied to the bill, so settlement reconciles automatically and the khata closes itself when they pay.
Ageing and collection routes
Who owes what and for how long, and the day's collection round for whoever is on the scooter.
Bank feed and rules
Statement import with rules that categorise, so the bank and the books agree without an evening of matching.
Advances and deposits
Money taken before the work is money you owe, and it is held as such until the work is done — which is also why the profit for the month is real.
Cheques and post-dated
PDC register with due dates and what bounced, because in trade this is still half the payments.
Gift cards and store credit
Issued, part-redeemed, and carried as a liability rather than counted as a sale on the day it was sold.
What this will not do
It is not a lender and it will not advance you money against your receivables. It can show a lender a clean, verifiable book if you choose to apply for credit somewhere, and that is a genuinely different thing.
And it will not make anybody pay. It will make asking effortless and make forgetting impossible, which between them recover most of what is recoverable.
One plan. All of it.
Not a tier, not a trial. Start with one spoken sentence and see how far it goes before you decide anything.
One month, everything included. No card to start. Cancel inside the month and you are not billed.