Credit management software for customer accounts.
Know who owes what, set credit limits, and collect payments on time.
One to ManyMoney owed
Customer ledgers, ageing and credit limits.
Total owed
₹18.4L
Overdue
₹4.2L
12 customers
Received this month
₹26.7L
Orders on hold
3
| Customer | Owed | Status |
|---|---|---|
| Sharma Traders | ₹3,42,000 | Within limit |
| Metro Retail | ₹2,96,500 | Near limit |
| City Mart | ₹2,14,000 | On hold |
| Sai Distributors | ₹1,18,000 | Within limit |
What is credit control?
Credit control is how a business decides who can buy on credit, how much they can owe, and how it collects on time. It depends on a customer ledger: a running record of every invoice, receipt and credit note for each customer.
In O2M the ledger builds itself from your invoices and receipts. Money owed lists every customer with a balance, split by how late it is, with their credit limit and last receipt. Open a customer to see their ledger and open invoices, record a receipt, or send a statement.
Set a credit limit and credit days on a customer, and a sale that goes over the limit waits on Credit holds until a store manager or admin approves it. Reminders are sent by you, when you choose.
Simple from the first day.
Step 1
Add balances
Enter what each customer owes you today.
Step 2
Set limits
Give each customer a credit limit.
Step 3
Follow up
See ageing, send statements and reminders.
Step 4
Collect
Record receipts, or collect through payment links.
What Customers and Credit does for you.
One customer list
The whole company shares one list, with what each customer bought.
A clear balance
Invoices, receipts and credit notes build a running ledger.
Credit that holds
Sales over the limit wait until a manager approves.
Faster collection
Payment links, virtual accounts and UPI QR through your own gateway.
Every customer's balance, always current.
See what each customer owes, how old it is, and every document behind the number.
One to ManySample dataMoney owed
Customer ledgers, ageing and credit limits.
Total owed
₹18.4L
Overdue
₹4.2L
Received this month
₹26.7L
Money owed
Every customer with a balance, split by how late it is.
Statements
Download a statement or send it to the customer.
Opening balances
Enter what each customer owes you today when you start.
Reminders
Send a reminder when you choose. Reminders are never sent automatically.
Stop over-limit sales until a manager approves.
A credit limit protects you without blocking the sale for good. Orders and counter bills wait until someone decides.
One to ManySample dataCustomer ledger
Every invoice, receipt and credit note for one customer.
Balance
₹2,96,500
Credit limit
₹3,00,000
Overdue
₹48,260
Credit limit and days
Set them on each customer.
Holds
A sale over the limit, or for a customer with overdue bills, waits on Credit holds.
Who approves
A store manager or admin approves it. Team leads can edit the credit terms of their team's customers.
At the counter
A credit sale above the limit needs a store manager's PIN on the same screen.
Get paid through your own gateway.
Connect Razorpay, Cashfree, PhonePe, Paytm or another gateway with your own account. The money goes straight to you.
One to ManySample dataInvoices and documents
Every sales document in one list.
Invoices today
214
Billed today
₹3.84L
Credit notes
6
UPI QR
The counter shows a QR for the exact amount, and the bill completes when paid.
Payment links
Send a link from a customer's account by WhatsApp, SMS or e-mail.
Virtual accounts
A bank account per customer for transfers, matched automatically.
Recording receipts
Record cash, bank, UPI, cheque or TDS against the invoices they pay.
One customer record for the whole company.
A customer belongs to the whole company, not to one outlet. Search by name, mobile, e-mail or GSTIN.
One to ManySample dataCustomer ledger
Every invoice, receipt and credit note for one customer.
Balance
₹2,96,500
Credit limit
₹3,00,000
Overdue
₹48,260
Contact card
Their details and related records, with one click to each.
History
Every product they bought.
Import
Upload a CSV with name, mobile, e-mail and GSTIN.
No duplicates
A mobile number or e-mail another customer already has is refused.
How customers can pay you.
| Way | Where it works |
|---|---|
| UPI QR | The counter shows a QR for the exact amount |
| Payment link | Sent from a customer's account by WhatsApp, SMS or e-mail |
| Virtual account | A bank account per customer, matched automatically |
| Receipt | Cash, bank, UPI, cheque or TDS recorded by your team |
Everything in one place.
Customers
- One customer list
- Contact card and purchase history
- Customer import
- Search by phone, name or GSTIN
Money owed
- Customer ledgers and statements
- Receipts and ageing
- Opening balances
- Reminders sent by you
Credit control
- Credit limits for each customer
- Orders held until a manager approves
Payment collection
- Payment links
- Virtual accounts
- Counter UPI QR
- Your own gateway: Razorpay, Cashfree, PhonePe or Paytm
For businesses that sell on credit.
How to control customer credit
Simple habits that keep money coming in.
Set a limit for every customer
A limit and credit days turn a conversation into a rule.
Review ageing every week
Overdue amounts are easier to collect while they are recent.
Hold, do not refuse
A hold lets a manager decide with the facts in front of them.
Send statements
A clear statement settles most disputes before they start.
Make paying easy
Payment links and UPI QR remove the delay between agreeing and paying.
Keep it in one system
When ledgers sit with invoices, nobody re-enters a balance.
Customers and Credit: your questions answered.
What happens when a customer crosses the limit?
The sale waits on hold until a store manager or admin approves it.
Do I need my own payment gateway?
For UPI QR, payment links and virtual accounts, yes. Collection uses your own gateway account, such as Razorpay, Cashfree, PhonePe or Paytm. You can always record receipts by hand.
Are reminders sent automatically?
No. You choose when to send a reminder.
Can I enter what customers owe me today?
Yes. Set an opening balance on each customer.
Is a customer shared between stores?
Yes. A customer belongs to the whole company. Money owed stays with the team that made each invoice.
Can I record TDS on a receipt?
Yes. Receipts can be recorded by cash, bank, UPI, cheque or TDS.
Can I import my customer list?
Yes. Upload a CSV with the columns Name, Mobile, E-mail and GSTIN.
Know who owes what, and get paid on time.
See how O2M fits the way your business works today.