The trust bridge for India's local shops
Your khata, settled. Your customers, kept.
Ditch the dusty paper bahi-khata. CredSetu records every transaction, shows pending payments at a glance, and sends friendly reminders for you, on one shared ledger both you and your customer can trust.
- Shops keeping clean records
- 50,000+Shops keeping clean records
- Dues tracked and settled
- ₹500 Cr+Dues tracked and settled
- Average shopkeeper rating
- 4.8★Average shopkeeper rating
Today's Ledger
Updated just now
- ADPending
Anil Deshmukh
₹2,400
- MSSettled
Meena Sharma
₹1,150
- RPPending
Rajesh Patel
₹6,800
- GBSettled
Glow Beauty Salon
₹980
Total outstanding
₹9,200
Trusted by 50,000+ neighbourhood shops across India
- Kirana Stores
- Pharmacies
- Salons & Spas
- Wholesale Traders
Up and running in minutes
From paper register to trusted ledger in four steps
No accountant, no training, no app install for your customers. Just open, add, and get settled.
Add your shop and customers
Set up your store in under two minutes. Add a regular with just a phone number, no app install needed on their side.
Record sales in two taps
During a rush, pick the customer, enter the amount, done. The ledger updates instantly and a digital receipt reaches their phone.
Let reminders do the follow-up
CredSetu nudges customers about pending payments politely on your behalf, in their own language, so you never have to make the awkward call.
Watch dues get settled
Customers come ready to pay because they see the same record you do. Mark it settled and watch the outstanding balance drop in real time.
Built for the Indian counter
Everything your shop needs, nothing it doesn't
Rupee-native, multi-language, and fast enough for a rush. Every feature is tuned for kirana, pharmacy, salon, and wholesale shops.
One-Glance Dues Dashboard
Open to your total outstanding balance across all customers, sorted by who owes most and who has been pending longest. See the full picture before the first chai.
Friendly Reminder Autopilot
Set it once and CredSetu sends warm, customizable reminders over WhatsApp or SMS in Hindi, English, or your local language. Polite by design, never nagging.
Two-Tap Transaction Entry
Record a sale or a pending payment in two taps from behind the counter, even mid-rush. Pick the customer, enter the amount, and the ledger updates instantly.
Shared Digital Receipts
Every entry becomes a clean, timestamped receipt on the customer's phone. Both sides see the same record, which quietly ends 'maine toh de diya tha' arguments.
Real-Time Settlement Tracker
Mark a payment as settled and the balance drops at once. A running history logs every settlement with date and amount, so nothing depends on memory.
Customer Relationship Cards
Each regular gets a profile with full transaction history, current dues, and how reliably they settle. Spot your most-valued customers and treat them right.
For shop owners
Run your shop, not a paper register
Spend seconds in the app and an hour less at closing time. CredSetu keeps your bookkeeping clean and your settlements on time.
Know exactly who owes what
See every pending payment and outstanding balance at a glance, without flipping through pages of the bahi-khata.
Get settled faster
Friendly automated reminders do the awkward follow-up for you, so dues clear sooner and your cash keeps moving.
End disputes for good
Every transaction and settlement is timestamped with a shareable receipt both sides trust, so arguments simply disappear.
Run it from your pocket
Add a transaction, mark a payment settled, or check today's totals from anywhere, and give staff controlled access to the same clean records.
Deshmukh Kirana
Today's overview
₹18,450
+12% vs yesterday
₹8,450
across 7 customers
Top customers
- ₹4,200SKSuresh Kumar
- ₹2,850PNPriya Nair
- ₹1,400ISImran Sheikh
For customers
Walk in knowing exactly where you stand
No more ‘kitna baaki hai?’ moments, no faded paper slips. Your hisaab, clear and in your pocket.
See every transaction clearly
A transparent record of every purchase at your regular shops: kab, kitna, kis cheez ka, all in one place.
Gentle reminders, never harassment
A soft nudge before a pending payment slips your mind, instead of an uncomfortable phone call or a knock at the door.
Receipts you can trust
Every payment becomes a digital receipt you can pull up anytime, so you're never asked to pay twice.
Total peace of mind
Your settlements are logged the moment you pay, and your record always matches the shopkeeper's. Nothing left to memory.
Your hisaab
Total pending
₹1,250
Friendly reminder
Namaste! A small ₹1,250 is pending at Patel Wholesale Traders whenever it suits you.
Recent activity
View allDeshmukh Kirana Store
Groceries · 2 Jun, 10:24 AM
Glow Beauty Salon
Haircut · 28 May, 5:10 PM
Patel Wholesale Traders
Supplies · 25 May, 1:45 PM
Tap any entry for a timestamped digital receipt.
Loved across Bharat
Shopkeepers who got their time, and their dues, back
From kirana stores to salons, CredSetu is keeping records clean and relationships warm.
“Pehle main closing time pe register ulat-palat karta tha. Now I open one screen and know exactly who owes what. The reminders go out on their own and customers come ready to settle. Saved me an hour every night.”
Anil Deshmukh
Owner, Deshmukh Kirana Store
Pune, Maharashtra
“In a salon, chasing pending payments used to feel so awkward with regulars. CredSetu sends a polite nudge for me, so I stay the friendly one and still get settled. My customers actually thank me for the digital receipts.”
Meena Sharma
Owner, Glow Beauty Salon
Jaipur, Rajasthan
“Running a wholesale counter, the 'I already paid you' arguments were endless. Now both sides see the same khata and the same receipt. Disputes are gone, settlements are faster, and my staff all read the same records.”
Rajesh Patel
Owner, Patel Wholesale Traders
Indore, Madhya Pradesh
Simple, honest pricing
Start free. Grow when you're ready.
No hidden charges, no commission on your settlements. CredSetu never touches your money, only keeps your records clean.
Free
Perfect for a single counter just moving off the paper register.
- Digital ledger for up to 50 customers
- Two-tap transaction entry
- Shared digital receipts
- Basic dues dashboard
- Manual reminders
Pro
For busy shops that want reminders running on autopilot.
- Unlimited customers
- Friendly Reminder Autopilot over WhatsApp & SMS
- Multi-language reminder templates
- Customer relationship cards
- Day-close summary reports
- Priority support in Hindi & English
Business
For wholesale owners and multi-counter shops with staff.
- Everything in Pro
- Multi-shop management
- Controlled staff access
- Advanced outstanding balance analytics
- Hisaab history PDF export
- Dedicated account manager
Questions, answered
Everything you wanted to ask
Still curious? Reach our team in Hindi or English and we'll help you get set up.
No. CredSetu is purely a record-keeping and reminder tool, a digital account book and trust bridge. It never touches your money or anyone else's. It simply keeps your transactions, dues, and settlements recorded cleanly and sends gentle reminders on your behalf.
Not at all. You can add a customer with just their phone number. They receive their copy of the shared khata and every digital receipt over SMS or WhatsApp, so even non-smartphone-savvy regulars stay in the loop.
Never. Every reminder template is crafted to stay warm and respectful, and they come from CredSetu rather than from you. Following up on pending payments strengthens the relationship instead of straining it, so your regulars keep coming back.
CredSetu is built for Bharat. Reminders and receipts go out in Hindi, English, and major regional languages, so every message reaches your customer in the language they actually speak.
Both you and your customer see the same shared ledger and the same timestamped receipt for every transaction and settlement. Because the record is neutral and agreed by both sides, 'I already paid you' arguments simply end.
Yes. Your records stay private to you and your customers, protected with bank-grade security. Only people you give access to, like your own staff, can see your ledger.
Still have questions? We're happy to help in Hindi or English. Talk to our team.
Ready to settle faster and keep customers for life?
Join 50,000+ shopkeepers who swapped the dusty bahi-khata for a clean digital ledger that reminds for them. Free to start, no card needed.