Keep a credit book

Every setting

To write down what someone took:

1. Tap Write it down on the dark card at the top. If nobody is in your book yet, the button says Write the first one. A sheet called Write it down slides up. (A sheet is a panel that covers part of the screen.)
2. Under Who took it (shown in capital letters), tap the person's name. For someone new, see Who took it below.
3. Type the amount on the number pad. For example, 185.
4. If you like, type what they took in the What for? (optional) box. For example, rice and oil.
5. Tap the big green button at the bottom. It says, for example, Add MVR 185 to Ahmed's page.

A message at the bottom says, for example, "Ahmed now owes MVR 535". It has an Undo button, in case you made a mistake. Then Ahmed's page opens, with the new line on it.

The other parts of the book are explained below.

Who owes you, all on one page.

If your shop has no customers yet, the book shows a dark card with this title. It says: "Write a name and an amount. We add it up, help you ask on WhatsApp, and cross it off when they pay."

• Tap Write the first one to write down your first person. Under it, the app says "No items needed."
• Under "Have a paper book?", tap Copy it in. The Write it down sheet opens with "From my old book" in the What for? box. Add each person's total from your paper book, one person at a time.

Under these, three short steps show how the book works: "Write it down.", "Ask them to pay." and "Cross it off."

If your shop already has customers, you go straight to the list. To copy in a paper book there, use the Old book button. See What for? below.

The dark card

The card at the top shows what everyone owes you together:

• A line like "3 people owe you · oldest 32 days". When nobody owes you, it says "Nobody owes you".
• The total, like MVR 4,350.
• A coloured bar that shows how old the money is. Green is "Under 14 days", yellow is "14 to 30 days" and orange is "Over 30 days". The amount for each is under its label.
• Write it down: opens the sheet to write down a new amount.
• Someone paid: shows when someone owes you. Tap it when a customer pays you. See Record a payment in the credit book.

Aisha sent a slip

A slip is the photo of a bank transfer. When a customer pays on the page you sent them, they send you a slip. A card then shows under the dark card. It says, for example, "Aisha sent a slip" and "MVR 500 by transfer · 2:15 pm". Tap Check to look at it. See Ask someone to pay what they owe.

Who owes you

This is the list of people who owe you. Tap a button above the list to choose what it shows:

• Most owed (picked when you start): the biggest amounts first.
• Oldest first: the people who have owed you the longest first.
• Paid ahead: people who gave you more than they owed. If there are none, it says "Nobody has paid ahead."

To find someone, tap the round button with a magnifying glass, next to Who owes you. Type a name or phone number in the Name or phone box. The search also finds people who owe nothing. If nobody matches, it says "Nobody by that name or phone." Tap the X to close the search.

Each person shows:

• their initials (the first letters of their name). Green, yellow or orange shows how old the money is. Blue means they paid ahead. Grey means they owe nothing.
• their name, and how long they have owed, like "18 days" or "Today". It says "Paid ahead" or "Clear" when they owe nothing.
• a blue Asked label if you sent them a page to pay. An orange Slip to check label if they sent you a slip.
• the amount they owe, on the right. A blue amount means they paid ahead.

Tap a person to open their page.

When someone has paid ahead, a blue line under the list says, for example, "Aisha paid MVR 200 ahead". Tap it to see them.

When nobody owes you, the list says "Nobody owes you right now."

Who took it

This is the top of the Write it down sheet. Each customer has a button with their first name. Tap one to pick them. Swipe the row of names to the left to see more.

The line under the buttons says where they stand. For example, "Ahmed owes MVR 350 now", "Ahmed is MVR 200 ahead now" or "Ahmed owes nothing now". Before you pick, it says "Pick a person, or add someone new".

For someone new:

1. Tap New person. It has a + in front.
2. Type their name in the Their name box.
3. If you have it, type their phone number in the Phone (optional) box.

The line then says "A new page starts for them".

Can't see the person? Tap the magnifying glass button next to New person. See Pick a customer below.

Pick a customer

This sheet opens when you tap the magnifying glass in Who took it. It lists all your customers. The ones who owe the most are at the top.

• Type in the Search name or phone box to find someone.
• Each customer shows their orders and what they owe, like "owes MVR 300". People who owe nothing say "Clear". People who paid ahead show "In credit MVR 200" in green.
• Tap a customer to pick them.

To add someone new here:

1. Tap New customer.
2. Type their name in the Name box.
3. If you have it, type their phone in the Phone · optional box.
4. Tap Save customer.

To stop adding, tap Cancel.

At the bottom, the app says: "Saved once, found forever. No more three different Ahmeds in the book." Search first, so nobody is in the book twice.

Amount

The big number is the amount, like MVR 185. You type it with the number pad under it. The phone keyboard does not open for it.

• Tap the dot key for an amount like 184.50.
• Tap the delete key (bottom right) to take off the last number.

If your shop adds GST or an extra charge, some amounts cannot be saved exactly. The sheet then shows a note like "Saves as MVR 184.99. Your tax rounding can't land on MVR 185 exactly." Sometimes the message after you save says, for example, "Saved MVR 185.50. Your tax settings changed the total."

On a computer, you can also type the amount on your keyboard.

What for?

Type what they took in the What for? (optional) box, like "Rice and oil". Tap Old book to fill in "From my old book". Use it when you copy totals from a paper book.

On the person's page, the line shows what you typed. If you leave the box empty, the line says "Written in".

Customers see

no message from the app. They only see their lines if you send them a page to pay.

Add MVR 185 to Ahmed's page

This big button saves the line. Before you pick a person, it says Add to their page. It stays grey until you pick a person and type an amount.

When there is no internet, the button says Needs internet. You need the internet to save.

Pick items at the Counter instead

This link is at the bottom of Write it down. Tap it to sell the real items instead. The Counter opens with Credit already picked as the way to pay. If you picked a person from your book, they are already added to the sale.

1. Tap the items to add them.
2. Tap Charge at the bottom. A sheet called Charge opens.
3. If the sheet shows Pick a customer, tap it.
4. Tap the customer.
5. Tap Put MVR 350 on credit. It shows your total.

A person's page

Tap a person in the list to open their page. It looks like a page in a paper book.

At the top:

• Credit on the left takes you back to the list.
• A round button with three dots on the right has more options. See Fix a mistake in the credit book.
• Their name, and their phone number or "No phone". Tap the phone button to call them.

Then there is one line for each sale and each payment, with the date on the left. The oldest line is at the top.

• A sale says "Counter sale #123", or what you typed in What for?. Under it are the items, or "Written in". The amount has a + in front, like +350.
• When part of a sale is paid, a small bar shows with "MVR 150 left".
• When a sale is fully paid, it is crossed off with a green line.
• A payment says "Paid in cash" or "Paid by transfer". Its amount has a minus in front.
• Paid lines older than 30 days fold into one line, like "4 paid lines". Tap it to see them.
• Lines with "corrected", "Voided" or "Given back" are fixes. See Fix a mistake in the credit book.

When a page has no lines, it says "Nothing on this page yet."

At the bottom of the page, it says "Ahmed owes", how long, and the total. For example, "18 days", "since 28 Sep" and MVR 350. When nothing is owed, it says "All clear".

Under the page, the app says: "Today's lines can be undone until midnight. Tap any line to see it or fix it."

The bar at the bottom of the screen has three buttons:

• Add: opens Write it down with this person already picked.
• Ahmed paid (green): records a payment. See Record a payment in the credit book.
• Ask: sends them a page where they can pay. It only shows when they owe you. See Ask someone to pay what they owe.

Credit sales at the Counter

You can also sell on credit at the Counter. On the Charge sheet, tap Credit. Then pick the customer. Tap Put MVR 350 on credit. See Take cash, card, transfer or credit at the Counter.

The sale goes on the customer's page in the book, as "Counter sale #123" with its items. After the sale, tap View credit book to see it.