Credit book
Know exactly who owes you.
Credit is how trade works in Nigerian markets, and it is where money quietly goes missing. Say who took goods on credit and Stockwaka keeps the book: every debt, every repayment and the total you are owed.
How it works
A credit book that keeps itself
- 1
Record the credit sale
By voice note or text: who took the goods, what and how much. The stock comes off your shelf like any other sale.
- 2
Check your book any time
See everyone who owes you, largest balance first, with the total you are owed.
CREDITS - 3
Record repayments
Type PAY with the name and amount, or just say it: "Mama Nkechi paid ten thousand".
PAY Mama Nkechi 10000
Why it stays accurate
Built for how credit really works
Biggest debts first
A long book is split into pages and ordered by what is owed, so the largest amounts are always on the first page.
Oldest debt settled first
A repayment goes to the oldest outstanding debt, the way you would settle it by hand.
Two customers, one name
When two customers share a name, each gets a reference, so a payment never lands on the wrong person’s debt.
One book across your shops
A debt is owed to your business, not to one building. A customer who took goods at one branch can pay at another.
FAQ
Questions people ask
Can a customer pay part of what they owe?
Yes. Record any amount with PAY and the balance updates.
Is my credit book private?
Yes. It is tied to your own phone number, and Stockwaka never shows your records to anyone else.
I run more than one shop. Is there a book for each?
There is one book for the whole business. Type CREDITS with a branch name to see only the debts started at that shop.
Start with one voice note.
Message Stockwaka on WhatsApp and set up your shop in a few minutes. Free to try, no card needed.
Start on WhatsApp