When to use this: the khata loop — regulars who pay later, and settling up when they do.
Steps — sell on credit
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Link the customer on the bill (F3).
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F7 → Credit — the amount goes on their account instead of the drawer (→ BILL-05).
The Credit panel shows the customer's credit limit, current balance and what's still available before you confirm — and it can refuse the sale, not just grey out the button:
- No credit limit set — every new customer starts at ₹0 limit. Set one on their profile first (→ CUST-01).
- Nearing the limit — a warning shows what's left after this bill; the sale still goes through.
- Over the limit — the sale is blocked outright until you collect some of what's owed or raise their limit.
Steps — collect a repayment
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Open the customer's profile — the outstanding balance is on top.
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Record the payment — go to the Credit History tab, click Record Payment, enter the amount, choose a method (Cash / UPI / Card / Bank Transfer), then click Record Payment to save. The balance drops immediately.
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Cleared — a fully paid account shows zero outstanding; the repayment appears in the day's collections (and in EOD totals).
Steps — write off a balance you won't collect
Sometimes a customer is untraceable and the debt is never coming back. Writing it off clears it from your outstanding total without pretending it was paid — it's recorded as a loss, not a payment, and it stays on their record as a warning for next time (see above). This needs the write-off permission (manager/owner-level).
- Customer's Credit History tab → Write Off.
- Enter the amount (defaults to the full outstanding balance), a reason, and optional notes → confirm. This can't be undone from the app.
Steps — redeem store credit
If a customer has store credit (from a return — see CUST-02), it can pay for part or all of a new bill:
- Link the customer on the bill (F3), then F7.
- Choose the Store Credit tender — it pre-fills with whatever's available, and you can split the rest onto Cash/UPI/Card.
Common problems
- Credit option greyed out on the bill — no customer linked.
- Cannot process credit sale — the customer has no credit limit set, or this sale would put them over it. See the credit-limit steps above.
- Works offline — credit sales record locally and sync later.