Credit Khata Ledger Wey Una Share
Kostoma sign in Open your shop
New Collect your money, send reminder, track your stock and see reports Credit · Don pay · Balance

One account book.
Di two sides of di counter.

Di shop write di entry. Di kostoma open di same account book — no be photo of notebook page, no be number wey e go just believe like dat. Na di real account e dey see.

Open your shop See how e dey work

E free for your first year E free forever for kostoma dem E dey work offline for counter

3apps, all of dem dey read one account book
12languages, each one dey write for im own script
0network bar wey you need for counter
1record — di shop and di kostoma dey see di same one
Any kind of shop at all

If your regular kostoma dem dey carry balance, dis na your account book

Provision store, bread seller, chemist, agro shop, di phone repair guy for roadside — di account book no send wetin you dey sell. Na only say person dey owe you for am.

Provision / general store Balance 2,180
Milk / dairy supplier Balance 940
Bakery / bread shop Balance 1,260
Pharmacy / chemist Balance 3,450
Agro shop / seed and fertilizer Balance 12,800
Phone / electronics Balance 7,400
Pesticide / agro-chemical Balance 9,600
Hardware / paint shop Balance 4,150
Tailor / boutique Balance 1,850
Butcher / meat seller Balance 2,600
Restaurant / buka Balance 780
Motor spare parts Balance 5,300

Pick your kind business wen you open shop

How e dey work

Three moves, and quarrel no go even start

Most credit quarrel dey start because di truth get two copy — di shop notebook and di kostoma memory. For here, na only one record dey, and di two sides dey look am.

Di shop write am

Pick di kostoma, put di amount, mark am credit or payment. One tap. If network no dey, di entry go wait for di device — e no go lost.

E sync go di account book

Di moment network show, di entries wey dey wait go post demsef, one by one and exactly once — retry no fit charge kostoma two times.

Dem tell di kostoma, and e open di same account

Im phone go get push alert with di amount and di new balance. E go sign in with di code wey you give am, come read im own entries and di running balance — e don already dey current, because na di shop own account book, no be copy.

One day for di shop

Wetin dey really happen, from start to finish

One kostoma, one market, one payment. Na dis be di whole product.

Step 1

Emeka take rice for credit

E go pay wen month end. Di shop owner tap im name come type 1,180.

Step 2

Network dey or e no dey, e go save

If network dey, e go up sharp-sharp. If network no dey, e go wait for di shop phone come upload imsef di moment network return. Notin to remember, notin wey go lost, notin wey you go type two times.

Step 3

Emeka phone buzz

Alert enter di moment e sync — di rice, di date and di new total. Same account book, notin to quarrel about.

Step 4

E pay, and e clear

Di shop owner record di payment. Emeka balance drop go zero for di two phones.

See am dey work

Di real apps, dey work one real day for shop

No be drawing of di product — na di counter app and di kostoma app demsef, wey we snap from di account book of one shop wey dey work.

Di counter
Di payment inbox
Di kostoma page
Di reminders
Di stock
Di reports
Di staff
Di apps

Three apps, one account book

All of dem dey read and write di same account book. Di one wey you go use depend on wia you stand — behind di counter, abi in front of am.

E dey live For di shop owner, for counter

Counter app

Na here shop dey start. Open your account right inside di counter app, add your first kostoma, and you don begin sell. E dey install like native app and e go still dey work wen network no gree.

  • Open your shop account here — no separate signup
  • Offline queue wey dey post imsef wen network return
  • Waka-in sales wey no go scatter your kostoma list
  • Generate sign-in code or QR for kostoma
  • Your shop logo, banner and contact details
  • Every entry wey you write go alert dat kostoma phone
  • Payment inbox, reminder and credit limit
  • Stock with barcode, reports and staff login
Open your shop You fit install am · offline-first
E dey live For di kostoma, for any phone

Kostoma web

Notin to install. Di kostoma open link, sign in with di code wey di shop give am, come read im own account — na only im own.

  • Running balance with every entry wey dey behind am
  • Sign in with one-time code — no password wey you go forget
  • Di shop own storefront card: logo, hours, contact
  • E dey read am for im own language, right-to-left join
  • Browser push di moment dem write credit or payment
  • Pay di shop, then tap “I don pay”
  • Confirm entry or query am; keep your statement
Open di kostoma view Any browser · no install
E dey live Shop owner and kostoma inside one app

Android app

Di native app sabi which side you dey wen you sign in: full shop for shop owner, im own account for kostoma.

  • Scan kostoma QR make you open im account
  • Entries dey save for di device and dey sync for background
  • Di same languages as every oda app
  • Push alerts for di phone, even wen di app don close
  • App lock with PIN or fingerprint
  • Statement and receipt wey you fit share as PDF
Get am for Google Play Android 8.0+
Wetin dey new

Now e dey run di rest of di shop too

To collect money, to chase wetin people owe, stock, staff and di books — all of dem sit on top di same shared account book, and e all dey inside.

Collect your money, e go dey for record

Your wallet and bank details dey inside di kostoma app — JazzCash, bKash, UPI, M-Pesa, anyone wey una dey use for your country. Dem go pay di way dem don dey pay before, tap “I don pay”, and one tap from you go put am for di account book. Di money go come straight to you; notin dey pass through us.

Reminder wey dey write imsef

One tap go open WhatsApp or SMS with polite message — di balance, di pay-by date and how to pay don already dey inside. You go send am from your own phone, e no go cost you anything.

Scan am, sell am, stock go follow

Read barcode with di phone camera or scanner. Every sale go remove di item from di count, and we go warn you say stock don low before di shelf empty.

Reports wey dey draw demsef

Cash book, sales for each day, who dey owe and since when, plus profit estimate — as charts wey you fit read one time, for one branch or di whole business.

Staff, with di correct keys

Owner, manager or cashier. Each one get im own login, wey dem pin to one branch, and e go see only wetin im work need.

Credit limit and pay-by date

Set how much kostoma fit owe and when e suppose pay. Di counter go warn you before sale pass di limit, and accounts wey time don pass go climb go top.

Statement and receipt

Kostoma full statement or counter receipt, wey di app draw, and you fit print am or share am as PDF — even small thermal printer.

Talk am instead of to type am

Talk di sale and e go land as one line — item, how many and amount — ready make you check am before you save.

Expenses and suppliers, inside di same book

Rent, bills and salary for one side; wetin you dey owe each supplier for di oda side. Di whole shop position, no be only wetin kostoma dem dey owe.

Who e be for

Two sides of di counter, each one dey see only im own portion

Shop owner

Na im dey run di counter

Provision store, chemist, milk seller and small kiosk — anybody wey dey allow regular kostoma carry balance. E go sign up inside one minute, and na im get im own kostoma dem.

Staff

Na im dey man di counter

Manager or cashier with dia own login, wey dem pin to one branch. Na di owner go decide wetin each role fit see and do.

Kostoma

Na im dey carry di balance

E dey read im own account for phone, for im own language. E dey see every entry wey dey behind di number, so di total no go ever surprise am.

For di kostoma

Tins wey your kostoma dem fit finally do by demsef

No app to install, no account to create, no password. Di shop give dem code, and from dat time dia account dey dia own phone.

Dem go tell you di moment e change Push alert go land as soon as di shop write entry, so you go always know wetin you dey owe before you even reach counter.
See wetin make up di total Every item and every date wey dey behind di number. If sometin no look correct, you fit point di exact line.
Enter witout password Notin to remember and no email to give out. Di shop go give you code, abi dem go scan your QR for counter.
Reach di shop with one tap Di shop own card dey sidon on top your account — call dem or message dem witout you go dey find number up and down.
Pay di shop from your phone Di shop payment details dey right there. Pay di way wey you dey pay before, tap “I don pay”, and di shop go confirm am enter di account book.
Confirm am, or query am You fit confirm every entry, or query am with reason. If una no agree, e go turn note for di exact line — no be quarrel for counter.
Languages

Your kostoma go read am for im own script

Na each person dey pick im own language, no be di shop — di shop owner fit work for Urdu while kostoma read di same account for English.

English English · Default
اردو Urdu · Right to left
العربية Arabic · Right to left
Bahasa Indonesia Indonesian
বাংলা Bengali
हिन्दी Hindi
Naijá Naija Pidgin
Kiswahili Swahili
Français French
Hausa Hausa
فارسی Persian · Right to left
Español Spanish

Na AI translate am — mistake fit dey inside. Tell us and we go correct am.

Wetin dey inside

Dem build am for shop wey no fit afford to lose even one number

Every one of dis dey inside di product today, for all di three apps.

Entries dey survive wen network die

Sales wey you record offline go queue for di device come post demsef di moment network return. Notin wey you go type again.

E dey alert di moment dem write am

Wen di shop record credit or payment, di kostoma phone go get push notification with di amount and im new balance — for Android and for browser.

E no dey ever post two times

Every entry dey carry idempotency key, so retry, double tap or network wey dey misbehave no fit charge kostoma for di same bag of garri two times.

No password for kostoma dem

Generate one-time code or QR wey di kostoma go scan. No email address to collect, no password wey dem go forget.

Every shop dey lock by imsef

Shop owner dey see only di kostoma wey im create. No shop fit read anoda shop account book, ever — na di query dey enforce am, no be di interface.

Notin dey quietly disappear

Every entry dey keep im date and im history, so you fit always trace balance back to di purchases and payments wey make am.

Opening balance dey carry over

Start kostoma with wetin di paper book already talk say e dey owe, den make di running balance carry am from there.

Carry di numbers waka with you

Export kostoma dem, balances and owners go CSV anytime you want dem for spreadsheet or in front of accountant.

Dia own language, all di way down

No be only di buttons — dem translate every screen and every error, each language for im own script, and dem handle right-to-left proper.

Na your shop, no be our template

Logo, banner, tagline, WhatsApp and socials. Kostoma dem go see your shop own card on top of dia account.

Every branch under one login

Open second shop come dey switch between dem from di same account, abi give one branch im own username so di person wey dey run am go see only dat counter.

How many, no be only how much

Every line dey carry quantity beside di item and di amount — two kilo or three packet — so you fit check di balance against wetin dem really take.

Confirm or query any entry

Kostoma dem fit confirm entry or query am with reason. Di shop go see am, settle am, and di record go keep di two sides.

Two-step login and app lock

One-time code for email before new device fit enter your shop, and PIN or fingerprint lock for di Android app.

Payment details wey fit your country

JazzCash and Easypaisa, bKash and Nagad, UPI, M-Pesa or bank account — each branch go list di ways wey e dey take collect money, and we go check say di format correct.

Every device wey don sign in, for one list

See every phone and browser wey don sign in to your account, and log one out — or all di oda ones — from anywhere you dey.

Link wey dey open di correct account

Share kostoma sign-in as link or QR code. E go open im account straight inside di app, or for browser if e no get di app.

Di money dey come straight to you

Kostoma dem dey pay you direct, di way dem don dey pay before. Notin dey pass through Credit Khata, so nobody go cut your money and no payment fee.

Wetin e cost

Free for your first year. E free forever for your kostoma dem.

Shop owner dem get full year witout paying anything. Kostoma wey dey read im own account no dey ever pay at all — dat one no get end date.

Shop owner dem · first year
Free for 1 year

Everything, witout paying

Shop owners, merchants and traders go get di whole product free for dia first year — every app, every feature, no card and no trial timer wey dey count down.

  • Kostoma and entries witout limit
  • Counter app and di web dashboard
  • Offline entries wey dey sync for background
  • CSV export of everything wey you enter
  • All di languages wey di apps dey speak
  • Payment inbox, reminder, stock, reports and staff
Kostoma dem · forever
Free always, no end date

Your kostoma dem no dey ever pay

Anybody wey dey read im own account free for life — any shop wey e dey buy from, no matter how long e use am. Notin dey to upgrade to.

  • Dem go sign up come read dia account free
  • Balance and di full entry history
  • E dey work for any phone browser
  • No card, no ads, no limit
  • Pay di shop and keep your statement
Start am today

Drop di notebook.

Open shop account, add your first kostoma, come carry over wetin dem already dey owe. E no go pass like one minute.

Open your shop Shop owner sign in Kostoma sign in