Payble

Spend management

Credit, written down properly.

Selling on credit is how a lot of business gets done. The credit book records who owes you and who you owe, sets limits, sends reminders and shows which accounts are slipping.

Get startedSee who uses it

Credit book

2 overdue

They owe you

₦640,000

You owe them

₦215,000

Mama Ngozi₦120,000
Femi Stores₦310,000
Kunle & Sons₦95,000
Send a reminder

What you get

Credit book, in practice.

  • Customers who owe you

    Record credit given, attach the goods from your stock, choose a due date and set a credit limit for each customer.

  • Repayments, however they come

    Log a repayment by transfer, cash, card at the till or payment link, and the balance updates.

  • Reminders that get answered

    Send a reminder on WhatsApp, share a statement and keep a timeline of every entry.

  • See risk early

    Collection speed, average repayment time, recovery rate and the accounts that are slow to pay.

Both directions

What you are owed, and what you owe.

The same book tracks customers who owe you and suppliers you owe, so you can see the net position rather than half of it.

  • They owe you: debtors and their limits
  • You owe them: suppliers and consignments
  • Net position at a glance

Credit book

2 overdue

They owe you

₦640,000

You owe them

₦215,000

Mama Ngozi₦120,000
Femi Stores₦310,000
Kunle & Sons₦95,000
Send a reminder

Trust, measured

Know who pays on time.

Each customer's page shows how long they usually take to pay and how healthy their repayments are, so the next credit decision has history behind it.

  • Average days to pay
  • A credit trust rating
  • A chronological ledger for each account

Customers

128
M

Mama Ngozi

₦480,000

F

Femi Stores

₦1,250,000

K

Kunle Bello

₦96,000

A day in your business

Your working day, before and after.

  • The old wayAn exercise book of who owes what

    With PaybleA ledger for every customer, with limits and dates

  • The old wayAwkward phone calls to ask for money

    With PaybleA WhatsApp reminder and a statement to share

  • The old wayGiving credit to someone who never pays

    With PaybleAverage days to pay and a trust rating before you decide

How it works

Simple from the first step.

  1. 1

    Give credit

    Choose the customer, the goods or amount and a due date.

  2. 2

    Record repayments

    Log each payment when it arrives and add a note or reference.

  3. 3

    Follow up

    Send reminders and download the statement for anyone who needs to see it.

Who uses it

Good to know

  • The credit book records credit and repayments. It does not collect money from your customers for you.
  • You set each customer's limit.
  • Statements are PDFs you can download or share.

FAQ

About credit book.

Straight answers about Payble, your money and how it works.

Can I set a limit for each customer?

Yes. You set a credit limit for each customer and the app shows how much of it they have used.

Can I attach goods to a credit sale?

Yes. You can attach items from your inventory, or record a custom amount.

Can I send a customer a statement?

Yes. You can download a credit statement as a PDF or share it, and send a reminder on WhatsApp.

Does it also cover suppliers?

Yes. The book also tracks what you owe suppliers, with payments and statements.

Works well with

Put this to work today.

Tell us about your business and we will set you up and help you start using it.

Get started