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Tajir Point vs paper khata

Paper khata or Tajir Point: which is right for your shop?

Every shop that sells on credit keeps a register. Here is an honest look at what a digital khata changes, and when a notebook is still enough.

Written by Muhammad Hasnain, founder of Tajir Point.

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The short answer

Tajir Point is a better fit if…

Choose Tajir Point if many customers buy on credit, more than one person writes in the register, or you lose track of who owes what.

Paper khata is a better fit if…

Keep the paper khata if only a few trusted customers buy on credit and you alone write every entry. It costs almost nothing and needs no phone.

Where each one is stronger

Where Tajir Point helps

  • The balance is worked out for you after every sale and payment, so there are no adding mistakes.
  • A credit limit warns you before a customer goes over.
  • See who has owed money for 30, 60 or 90+ days at a glance.
  • Send a customer a PDF statement on chat in a tap, so there is less arguing.
  • Corrections are added as new entries, never rubbed out, so the history stays honest.
  • If the phone or PC breaks, your records are still safe online.

Where Paper khata is stronger

  • A notebook costs a few rupees and never needs charging, internet or updates.
  • Anyone can write in it with no training.
  • Some older customers trust a signature in the register more than a screen.
  • For a handful of credit customers, paper can be all you need.

Tajir Point vs Paper khata, feature by feature

“Partly” means on a higher plan, with an add-on or with a limit. “Coming soon” means built or being built, not released yet.

  • Running balance per customer
    Tajir Point
    YesCustomer credit ledger with running balance, credit limits, 30/60/90-day aging, reminders and PDF statements. More →
    Paper khata
    NoAdded up by hand, page by page.
  • Credit limit warning
    Tajir Point
    YesAlerts before a customer goes over their limit.
    Paper khata
    NoOnly if you remember.
  • Who is late paying
    Tajir Point
    Yes30 / 60 / 90+ day aging list.
    Paper khata
    NoFlip back through old pages.
  • Payment reminders
    Tajir Point
    YesScheduled reminders and PDF statements to share on chat.
    Paper khata
    NoA phone call or a visit.
  • Sale and credit in one step
    Tajir Point
    YesA credit sale at the counter posts to the khata at the same time.
    Paper khata
    NoWrite the bill, then write the khata again.
  • If the book is lost or damaged
    Tajir Point
    YesRecords are kept online and on the device.
    Paper khata
    NoThe money owed on those pages is hard to prove.
  • Several staff writing entries
    Tajir Point
    YesEach staff member signs in with their own login and role.
    Paper khata
    PartlyPossible, but hard to know who wrote what.
  • Cost
    Tajir Point
    PartlyLight plan free for 3 months, no card. Then a paid plan (Shop or Business). More →
    Paper khata
    The price of a notebook.
  • Needs a phone or computer
    Tajir Point
    Yes: a PC, laptop or Android phone. Keeps working offline.
    Paper khata
    No.
  • Language
    Tajir Point
    YesApp and receipts in English, Urdu and Arabic, with right-to-left screens. French and Spanish screens too.
    Paper khata
    Whatever you write in.

See Tajir Point pricing.

Why a paper khata goes wrong

The register itself is a good idea. Problems start when it gets busy: two people write at the same time, a page gets wet, a total is carried forward wrongly, or a customer says they paid last week and nobody wrote it down.

None of this means anyone is dishonest. A notebook simply has no way to add up for you, warn you, or show both sides the same record.

What changes with Tajir Point

When you sell on credit at the counter, the sale goes straight into that customer's ledger. When they pay, the payment goes in too, and the balance updates on its own.

You can set a credit limit for each customer and see who has owed money the longest. When it is time to ask for payment, you send them a statement instead of reading out old pages.

Tajir Point is also a full POS: the same app does your bills, stock and purchases, so the khata is not a separate job.

Moving your khata across

You don't need to type in years of pages. Start with each customer's current balance as an opening balance. If you already have a list in Excel, send it to us and our team loads it for free.

Switching to Tajir Point

Send us an export from your current system or your sheets (Excel or CSV is fine) and our team loads your products, customers, suppliers, credit balances and opening stock for free before you go live. Book a free migration call.

Questions

Can I keep my paper khata and use Tajir Point as well?

Yes. Many shops start by entering each customer's current balance as an opening balance, then record new credit sales and payments in Tajir Point. You can keep the old book for history.

Is my customers' credit data safe?

Each staff member signs in with their own login, entries are never silently changed, and the records are kept online, so a broken phone does not lose them.

Does it work without internet?

Yes. The shop counter keeps selling offline, including credit sales for customers already on the till up to their credit limit, and everything syncs when the connection returns.

How much does it cost?

The Light plan is free for 3 months with no card. After that you choose a paid plan. See the pricing page for current prices.

More comparisons

Shops and distributors running on spreadsheetsTajir Point vs ExcelStop copying sales into a sheet at night. Keep the exports for your accountant.Read the comparison Shops and cafés with a simple tillTajir Point vs a cash registerA till rings up sales. A POS also knows your stock, your credit customers and your profit.Read the comparison

See all comparisons →

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