Digital Credit Book & Khata for Retail Shops
Replace messy paper bahi-khatas with an automated customer credit ledger. Record udhaar at checkout, send polite WhatsApp payment reminders with UPI QR codes, and collect dues 3x faster.
Stop bad debts and build trust with regular neighborhood customers
Offering credit to trusted customers is how Indian retail wins against mega-marts. Karobari makes credit safe: every udhaar transaction is backed by an itemized bill, automatic timestamps, and transparent WhatsApp statements that customers appreciate.
Everything you need to manage store credit smoothly
Eliminate disputes, recover working capital faster, and maintain strong customer relationships.
1-Tap Bill-to-Khata Recording
Record customer credit directly at checkout.When a customer wants credit (udhaar), tap 'Udhaar' on the checkout screen. The bill total is immediately logged to the customer's personal ledger with an itemized transaction link.
Polite WhatsApp Payment Reminders
Collect overdue balances without uncomfortable phone calls.Send professional, respectful WhatsApp balance reminders containing exact total dues, recent bill summaries, and a dynamic UPI QR link for 1-click customer payment.
Transparent Statement & Passbook PDF
Eliminate customer disputes over forgotten bills.Generate a beautiful customer account statement PDF showing every purchase date, items bought, payments received, and running balance. Share instantly on WhatsApp.
Credit Limits & Overdue Warnings
Protect your cash flow from excessive credit exposure.Set maximum credit limits (e.g., ₹5,000) per customer. When a customer exceeds their limit or has dues pending past 30 days, Karobari flags a soft warning at billing.
Supplier Khata (Lena / Dena)
Track wholesaler purchase dues and payment deadlines.Keep a clean record of what you owe to distributors and suppliers alongside customer receivables. Never miss an early-payment cash discount from vendors.
Waterproof & Fireproof Digital Ledger
Never lose account records to damage, theft, or misplacement.Paper bahi-khatas get damaged by water, pests, or get misplaced. Karobari encrypts records locally and backs them up automatically so you never lose a single rupee of outstanding credit.
Reconcile physical cash drawer with your khata book
Count daily register banknotes with our Free Cash Counter tool and generate instant evening galla summary reports on WhatsApp.
Questions about digital credit khata books
How does the digital credit book differ from a traditional paper bahi-khata?
Paper bahi-khatas require manual math, are vulnerable to disputes over forgotten purchases, and can be destroyed by water, fire, or ink fading. Karobari calculates balances automatically, attaches itemized bills to every entry, and sends verifiable WhatsApp receipts to customers.
Can customers pay their udhaar balance directly via UPI?
Yes. When you send a WhatsApp payment reminder or display a customer statement, Karobari embeds a dynamic UPI QR code. The customer can scan or tap to pay directly via Google Pay, PhonePe, or Paytm straight into your shop's bank account.
Does Karobari charge any commission or deduction on UPI payments?
No. Karobari does not touch your money or route payments through third-party wallets. The UPI QR code contains your own shop UPI VPA (e.g. shopname@okaxis), so 100% of customer payments go directly to your bank account with zero fees.
Can I record partial payments when a customer pays some cash against a bill?
Yes. Karobari seamlessly handles split tenders. For example, on a ₹1,200 bill, a customer can pay ₹500 in cash and the remaining ₹700 will automatically be recorded as credit in their khata ledger.
Can I import existing customer balances from a paper register or other apps?
Yes. You can quickly add opening balances for all your existing customers in seconds or bulk upload them via Excel template.
Modernize your shop credit khata today
Record customer udhaar, send polite WhatsApp reminders, and protect your cash flow. 100% free forever.