01
Running Balances
Every credit sale automatically updates the customer’s running balance in real-time.
Digital Khata & Udhaar Book
Digital Khata & Udhaar Book for Pakistani Businesses
Stop losing money to messy registers. Track every rupee owed, manage customer credit safely, and send WhatsApp reminders instantly with invo.pk.
For businesses in Pakistan. Check features and limits on your plan.
YOUR BUSINESS · AN ILLUSTRATION
AK
Ali Khan Illustrative customer account
Credit sale Rs 4,500
Payment received − Rs 2,000
Still to collect Rs 2,500
A clear account.
An easier conversation.
An easier conversation.
Your working day
In Pakistan, business runs on udhaar. But managing credit in a physical register means torn pages, calculation mistakes and forgotten debts. invo.pk gives you one digital khata on your shop PC, phone or tablet, tied directly to credit sales and customer payments so the statement and the counter stay in agreement.
Sound familiar?
The daily headaches for shops running on udhaar
If any of these hit home, invo.pk was built for you.
- Losing physical registers means losing all your money owed
- Arguing with customers over miscalculated manual balances
- Chasing payments takes too much time without professional statements
- Using a separate app for Khata and a different one for Billing
Built for khata & udhaar app
Everything shops running on udhaar need — in one place
Make bills, check stock, record purchases and track customer udhaar. See it all in your reports.
02
WhatsApp Statements
Generate a clear PDF statement and WhatsApp it directly to your customer to recover payments faster.
03
Cloud Backups
Your Khata is backed up to secure servers daily. Even if you lose your phone, you never lose your data.
04
Oldest-Invoice First
When a customer makes a part-payment, it intelligently clears their oldest debts first.
05
Works on Any Device
Access your Udhaar book from your Android phone, tablet, or shop PC simultaneously.
06
Receivables Aging
See exactly who owes you money and for how long (30, 60, 90+ days).
Get started
Get started in three steps
No installation, no expensive hardware — start on any device.
- 1
Create your account
Sign up free in a minute — no credit card, no hardware to buy.
- 2
Add products & staff
Upload your product list, set prices and add cashiers. We help you get set up.
- 3
Start selling
Open the POS on any device and ring up your first sale in seconds.
Built for businesses across Pakistan
Secure & encrypted
Your data is encrypted in transit and backed up daily.
FBR-ready
Digital invoicing with QR verification for tax compliance.
Control staff access
Choose what staff can see and change, and keep a record of their actions.
Real human support
Fast help in English and Urdu, right on WhatsApp.
FAQ
Khata & Udhaar App — your questions answered
Is this better than standalone Khata apps?
Yes. Standalone apps require you to double-enter data (once in your POS, once in the Khata app). invo.pk integrates both into one seamless system.
Can I use it just on my mobile phone?
Absolutely. invo.pk is optimized for Android browsers, letting you manage your Udhaar book right from your pocket.
Are my records safe?
Business data is encrypted in transit, stored securely in the cloud and backed up every day.
Can I use the same khata on a shop PC and my phone?
Yes. Sign in to the same business from a supported browser on your PC, phone or tablet to work with the same customer accounts and statements.
What happens when a customer makes a part-payment?
Record the payment against the customer account. invo.pk applies it to outstanding invoices oldest first and updates the remaining balance.
More solutions
Tools to run your business better
Your next working day
Try it with your own business
3 months completely free. No credit card. We help you get set up.