Mart step 6: customer credit (khata) and instalments

Many grocery and kiryana stores run a khata: regular customers take goods now and pay at the end of the week or month, often in parts. SmartPOS Hub records this as a credit sale or a part-paid sale on the customer’s ledger. This page shows the mart routine; the full step-by-step with every screen is in Credit and part payments.

Before you start

• The customer exists in Contacts › Customers with a phone number, or you add them from the POS.
• Decide on a Credit Limit per customer (leave it empty for no limit). See Customer credit limits and advances.

Example: 20 %, then 50 %, then the rest

A regular buys groceries for 10,000.

Day	What happens	Paid	Due
Monday	Sale of 10,000; the customer pays 2,000 (20 %) at the till	2,000	8,000
Next week	The customer pays 5,000 (50 %)	7,000	3,000
End of month	The customer pays the last 3,000	10,000	0

Sell on credit or part payment

1. At the POS, pick the customer (search by name or phone, or add a new one with the + button).
2. Scan the items as usual.
3. For no payment now: click Credit Sale. The whole amount becomes due.
4. For part payment: click Pay, enter only the amount paid now (2,000), and click Complete sale. The rest stays due on the sale.
5. The receipt shows the amount paid and the balance due.

/pos-v2/create

Enter only what the customer pays today; the remainder is recorded as due.

Collect the next instalments

1. Open Contacts › Customers and find the customer.
2. Use Pay Due Amount (in the Actions menu or on the customer’s page).
3. Enter the amount (5,000), the method and the date, and save. The payment is applied to their oldest due sales.
4. Repeat at each visit until the due is 0.

You can also open a single sale in Sell › All sales and use Add payment on it.

See who owes what

/reports/customer-supplier

Reports › Supplier & Customer Report: the Due column is your khata at a glance.

• Customer Ledger: every invoice and payment for one customer, with a running balance; download or e-mail it as PDF. See Customer ledger.
• Payment by Age report: how long dues have been open.
• In the SmartPOS Business app, the customer’s page shows their balance and lets you export the ledger.

Good practice

• Always use a real customer for credit, never Walk-In Customer.
• Set credit limits for new khata customers and raise them as trust grows.
• Collect at the till: when a khata customer shops, remind them of the due shown on their customer.
• Advance payments: a customer can also pay in advance and buy against it; see Customer credit limits and advances.

Credit and part payments (full guide)

Step 7: Purchases from suppliers