Debts and credit
Customer debt tracking software for Nigerian shops
Write down who owes you, what for and how much. Record each payment as it comes, in full or in parts, and see what is still outstanding at a glance. No more debts kept in a notebook or buried in a chat. No commission on your sales.
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Built for businesses that let customers pay later
- Shops that sell on credit
- Fashion and tailoring businesses that take deposits
- Businesses that let customers pay in parts
- Owners who keep debts in a notebook or in chats
How it works
Record the debt
From the customer record, note what they owe for and how much, with an optional due date and notes.
Record payments as they come
Log each payment as cash, transfer or POS, in full or in part. The balance updates each time.
See who still owes you
Filter by outstanding, partial or settled, and see your total outstanding and what you have recovered.
Everything you need to keep track of credit
A ledger for every customer
One row per customer with their balance, how much they owe in total, how many debts they have and when they last paid.
What they owe for
Describe each debt in your own words, such as "3 Ankara dresses" or "fabric deposit", and add an amount, a due date and notes.
Part payments
Record a payment of any size up to the balance. Zerrar will not let you record more than is owed.
Cash, transfer or POS
Each payment records how the customer paid, with an optional note.
Payment history
Open a debt to see every payment with its amount, method, note and date.
Outstanding, partial or settled
Each debt carries a status, so you can tell at a glance who has not paid, who has paid some and who is done.
Filter the list
Switch between all, outstanding, partial and settled to see just the debts you want to chase.
Totals at the top
Total outstanding, how many debts are outstanding, how many are partly paid and how much you have recovered.
Attached to your customers
Debts sit on your customer records, so every debt belongs to a real customer, not a name in a notebook.
Fix mistakes safely
Delete a debt you recorded by mistake. Zerrar asks you to confirm first.
Frequently asked questions
What is a debt ledger?
A record of who owes your business money, how much they owe and what they have paid so far. It replaces the notebook.
How do I record a debt?
Open the customer record and choose Record Debt. Enter what it is for and the amount, and add a due date or notes if you want to.
Can customers pay in parts?
Yes. Record each part payment as it comes. The balance goes down each time, and the debt moves from outstanding to partial to settled.
How do I know who still owes me?
Open the debt ledger and filter by outstanding or partial. You also see your total outstanding at the top of the page.
Can I see what I have recovered?
Yes. The recovered total at the top of the ledger shows how much of your credit has been paid back.
Can I record how the customer paid?
Yes. Choose cash, transfer or POS for each payment and add a note if you like.
Can I delete a debt?
Yes. Zerrar asks you to confirm before it deletes a debt, so a wrong tap does not remove it.
Which plans include debt tracking?
Debt and credit tracking starts on the Starter plan.
What does Zerrar cost?
You can start free and no card is needed to sign up. Paid plans start at ₦8,000 a month, and the pricing page lists what each plan includes.
Ready to know who owes you and how much?
You can start free and no card is needed to sign up. Get started free