Karnet : carnet de dettes

Karnet is the merchant's debt ledger. Track at a glance who owes you what, record payments, and send reminders to your customers—even without an internet connection.

Designed for small businesses, Karnet replaces the paper credit book with a simple, fast, and secure tool.

GET STARTED RIGHT AWAY, NO ACCOUNT REQUIRED

• No registration, no number to verify, no password: open the app, name your business, choose a 4-digit code, and record your first customer.

• Your ledger lives on your phone and works completely offline.

• Backup is optional, not mandatory: activate it whenever you want, with Google, Apple, or your phone number.

WHAT YOU CAN DO

• Keep track of each customer: credits granted, payments received, advances.

• See at a glance which customers have outstanding balances, balances paid, or credits. • Record a debt or payment in seconds.

• Detail a debt: items, photo, person who picked it up.

• Send reminders to your clients via WhatsApp, directly from the app, with the amount already calculated.

• Choose the tone of the reminder: friendly, direct, or firm.

• Identify today's due dates and prioritize overdue payments.

• Receive a daily reminder so you don't forget your follow-ups.

• Generate and share a statement in PDF format.

• Correct an error: a transaction can be canceled without erasing or losing history.

• Add a photo to a client for easy identification.

• Share your business card so your clients can find you.

DESIGNED FOR THE FIELD

• Works offline: everything is saved on your phone; synchronization occurs when the network is restored.

• One currency per notebook, selected based on your country: CFA franc, Guinean franc, dirham, euro, dollar…
• Available in French and Arabic, with an interface adapted to each language.

• Clear interface, designed for small businesses.

YOUR DATA IS PROTECTED

• Application locked with a 4-digit code.

• Data stored encrypted on the device.

• Optional backup: once activated, you can access your notebook on a new phone by signing in with Google, Apple, or your phone number.

• Add a second recovery method in case the SMS fails.

• Can be used on two phones simultaneously.

• Export your notebook whenever you want, or delete your account all at once.

Karnet helps you remember everything, get paid on time, and maintain a relationship of trust with your customers.