Whether you need a Full POS for your shop or MiWallet Credit to track loans and "Banja," we give you total control over money coming in, money going out, and your balance. Start managing your business professionally for as low as MWK 15,000.
Whether you sell soap or lend capital, MiWallet Credit keeps your money safe.
Stop using old notebooks. Record "Banja" (credits) instantly and never forget who owes you for sugar or soap again.
Track loans, interest, and partial payments. MiWallet Credit automatically applies payments to the oldest debt first.
Lent money to a friend or relative? Keep a professional record so you can get paid back without the "I forgot" excuses.
Manage staff advances and petty cash. Generate clear financial statements and projections with one click.
It’s like having a digital assistant that never sleeps and never makes mistakes.
If a customer owes you for sugar from last week and soap from today, their payment automatically pays off the sugar first. Your books stay clean without you doing any math.
Customers don’t always have the full amount. Record even the smallest "ka-small" payment, and the app will instantly show them exactly how much they still owe.
A notebook can burn or get lost. If your phone breaks, just log in on a new one and all your customers and their debts will appear exactly as they were.
Network problems? No problem. Record credits and payments anywhere—even in the village. The app saves everything and updates once you have a signal.
Show customers a clear list of every time they took credit and every time they paid. It builds trust and stops "I already paid that" excuses.
Instantly see how much money you have put into your business, the value of stock on your shelves, and how much is still "outside" in debts.
Pick the plan that fits your business size today.
For Lenders & Small Shops
Full Shop Management
Master the MiWallet Credit app in 5 simple steps.
📄 Download Full User Manual (PDF)Open the app and tap the "+" (Add Customer) button. Enter their name and phone number. This creates a digital "file" for them, replacing your old notebook page.
Tap on a customer's name to open their personal Ledger. Click "Give Credit". Enter the amount and a quick note (e.g., "2kg Sugar"). The app adds this to their total debt immediately.
When a customer brings money, tap "Receive Money" inside their ledger. The app is smart: it automatically pays off their oldest debts first so your records stay organized.
The main screen shows your "Total Amount Owing." This is your investment currently sitting with customers. It helps you know exactly how much cash you need to collect to restock.
Before closing for the day, tap "Backup." This sends your records to our secure cloud. If you lose your phone, your money records are safe and can be restored in seconds.
Use the Home button to jump back to the dashboard instantly. Show the customer their "Transaction History" on the screen to build trust and avoid arguments about old payments.
Stop guessing how much money you made today. Join thousands of Malawian business owners who use MiWallet to protect their hard-earned cash.
Start Your 30-Day Sub Today