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Payments & collections
Record money in and out, see exactly who owes you, and chase overdue customers politely and automatically — so your cash stops getting stuck.
Read this first
- ▸ Record receipts against invoices so balances update instantly.
- ▸ See receivables by age (30/60/90+ days) — know who to chase first.
- ▸ Send polite, automatic reminders and a UPI link so customers pay in a tap.
Being straight with you
- • Recording payments and seeing outstanding balances is on every plan; the automated collections dashboard and overdue reminders are Unnati+.
Step by step
- 1
Record a receipt
Payments → ReceivePick the customer and invoice, enter the amount and mode (cash/UPI/card/bank). The balance updates at once.
- 2
See who owes you
Open the receivables view to see outstanding amounts grouped by how overdue they are.
- 3
Send a reminder
Send a polite reminder with a payment link; on higher plans, set a schedule so it runs automatically.
Money in, money out — record both
Payments are simply the cash side of your business: receipts (money customers pay you) and payments (money you pay suppliers). Recording them keeps your balances honest and your books in step with your bank.
- Receipt — record what a customer paid, against their invoice. Their balance drops instantly.
- Payment — record what you paid a supplier, against their bill. Your payable drops.
- Each one posts to the right ledger, so receivables, payables and accounts all stay accurate.
Reading your receivables (the ageing view)
‘Receivables’ is the money owed to you. The ageing view groups it by how overdue it is, so you chase the right customers first instead of treating everyone the same.
| Bucket | Meaning | Action |
|---|---|---|
| 0–30 days | Within normal terms | Watch |
| 31–60 days | Slipping | Gentle reminder |
| 61–90 days | Overdue | Firm follow-up + call |
| 90+ days | At risk | Escalate; consider stopping further credit |
Getting paid faster, without the awkwardness
Chasing money is uncomfortable, which is why it gets put off — and why cash gets stuck. The fix is to make it a system, not a personal favour you have to ask for.
- Put a UPI pay-link on every invoice so paying is one tap.
- Send polite reminders before and after the due date.
- On higher plans, set a reminder schedule (e.g. 3-day, 7-day, 15-day) so follow-ups run automatically.
Credit limits and terms
Set payment terms and a credit limit per customer so due dates and risk are managed up front. When a customer is near or over their limit, you'll know before you extend more credit.
Why profit and bank balance differ
A common worry: ‘I'm profitable, so why is my bank low?’ Usually the money is sitting in receivables (unpaid invoices) or in stock. The payments screen and the dashboard show exactly how much is stuck where — so you can act on it.
Troubleshooting
A customer's balance didn't update after they paid
Fix: Make sure the receipt is recorded against the correct invoice, not just as a loose entry.
Receivables look higher than expected
Fix: Check for receipts not yet recorded, or invoices raised twice. The ageing view helps spot anomalies.
Reminders aren't going out
Fix: Confirm the customer has a contact saved and that the reminder schedule is enabled (higher plans).
Words you’ll see (in plain English)
- Receivable
- Money a customer owes you for goods/services delivered.
- Payable
- Money you owe a supplier.
- Ageing
- Grouping outstanding amounts by how overdue they are (30/60/90+ days).
- Credit limit
- The maximum outstanding you allow a customer before stopping further credit.
- Receipt
- A recorded payment received from a customer.
Ready to try it?In the app, open the More menu → Payments.
Open PaymentsNext steps