Available on Android
No more forgotten debts, no more missing cash.
Mi Wallet Credit keeps track of Banja and loans for you: who took what, who paid what, and exactly how much is still owed. From a month.
Who it is for
Whether you sell soap or lend capital, the problem is the same: money that is owed to you and needs to come back.
Grocery stores
Stop relying on old notebooks. Record Banja the moment it is given, and never forget who owes you for sugar or soap again.
Money lenders
Track loans, interest and part-payments. Payments are applied to the oldest debt first, so balances are always correct.
Individuals
Lent money to a friend or relative? Keep a proper record so you can be paid back without the "I forgot" excuses.
Companies
Manage staff advances and petty cash, and produce clear statements and projections with one click.
What the app does for you
Like an assistant that keeps your book for you, and never loses a page.
Clears old debts first
If a customer owes for sugar from last week and soap from today, their payment pays off the sugar first. Your books stay clean without you doing any sums.
Accepts small payments
Customers do not always have the full amount. Record even a small payment, and the app shows at once how much is still owed.
Lose your phone, not your money
A notebook can burn or go missing. If your phone breaks, sign in on a new one and every customer and balance is there as it was.
Works without internet
Record credit and payments anywhere, even in the village. The app saves everything and updates once you have a signal.
Ends arguments
Show a customer the full list of every credit and every payment. It builds trust and stops "I already paid that".
Shows your total investment
See how much money you have put into the business, the value of stock on your shelves, and how much is still outside in debts.
Getting started in five steps
Everything you need for your first day with the app.
Register your customers
Open the app and tap Add Customer. Enter their name and phone number. This creates a digital page for them, replacing the page in your old notebook.
Give credit
Tap a customer's name to open their ledger, then tap Give Credit. Enter the amount and a short note, such as "2kg sugar". It is added to what they owe straight away.
Receive payments
When the customer brings money, tap Receive Money in their ledger. The app pays off their oldest debts first, so your records stay in order.
Check your dashboard
The main screen shows your Total Amount Owing: the money currently sitting with customers. It tells you how much you need to collect before you restock.
Back up your data
Before closing for the day, tap Backup. Your records go to our secure servers, and if you lose your phone they can be restored in seconds.
Pricing
Start small with Credit, or move to OmniPOS when you need a full till and stock control.
Mi Wallet Credit
For lenders and small shops
per month
- Track all debts and loans
- Oldest debt cleared first, automatically
- Unlimited customers
- Works fully offline
- Total investment reports
OmniPOS Standard
Full shop management
per month
- All Credit features included
- Inventory and stock tracking
- Daily sales reports
- Barcode scanning
- Expiry alerts