Most POS and billing software treats credit as an afterthought. In a Pakistani agri-input shop it is the main event — half the season is sold on udhaar and collected months later. This is how AgroPOS handles it.
A hand-written udhaar khata works until it does not. The failures are always the same three:
Each customer carries a balance that moves with every sale and payment. No end-of-day totalling, no separate book. Customers are stored with father's name and village, because in a rural market two men share a name often enough to matter.
You can set a credit limit per customer. The till warns before a sale would push someone past it — a decision you make deliberately rather than discover three months later.
On a credit or partial sale, the receipt prints three figures: previous balance, this bill's udhaar, and the new total. The customer walks out with the same figure your ledger holds, which removes most disputes before they start.
Cash sales do not print that summary — the receipt stays short and the roll lasts longer.
Recovery Management lists everyone with a pending balance and their full history — what they bought, when, what they have paid. When you record a payment it settles against the oldest unpaid invoices first, so the ledger never becomes a pile of half-paid bills nobody can reconcile.
An advance payment is allowed to leave a negative balance rather than being clamped at zero, because a customer holding credit with you is a real state that should show honestly.
Print any customer's ledger as a statement — every sale, every payment, running balance, on your own letterhead. Useful when someone disputes a figure, and useful at the end of a season when accounts are settled properly.
Suppliers work the same way in reverse: the Supplier Ledger shows total business, what you have paid and what is still payable.
Install the 14-day trial, enter your ten biggest udhaar customers with their opening balances, and see the recovery list fill in. That takes about twenty minutes and tells you more than any demo.
