POS with Khata Credit Ledger for UAE Baqalas, Cafeterias and Groceries
TajerGo is a UAE point-of-sale system with a built-in khata (udhaar) credit ledger, so baqalas, cafeterias and groceries can sell on credit at the till and keep every dirham tracked. Khata is one of four tenders at the counter (cash, card, wallet and credit). When a buyer asks to put it "on the book," the cashier picks khata, sees the account's live credit limit and an AI risk score (red, amber or green), and the sale needs manager approval before it goes through if it breaks the rules. The same ledger works for both individual customers settling on payday (B2C) and business accounts buying on terms (B2B). Plans start at AED 499 per branch per month, with no per-user fees and no invoice caps.
Sell on credit at the till — khata as a real tender
At a TajerGo counter, credit is not a sticky note. Khata sits alongside cash, card and wallet as one of four tenders. The cashier scans items to the cart, picks the customer or business account, and chooses khata to put the balance on their book. Whether the buyer is a walk-in regular or another business buying on terms, every credit sale is recorded against that account's running ledger with the date, items and amount, so the AED owed is always exact — no torn notebook pages, no guessing at month-end.
Live credit limit and AI risk scoring on every customer
Before a credit sale goes through, the till shows the customer's live credit limit and how much room is left. TajerGo's AI risk scoring grades each customer red, amber or green based on their real payment history, so the cashier sees at a glance who is safe to extend and who is already stretched. A green regular goes through fast; a red one is flagged before the baqala lends more than it should.
Manager approval keeps lending under control
When a credit sale would push a customer over their limit or against the rules, TajerGo holds it for manager approval instead of letting a busy cashier wave it through. The owner or shift manager approves or declines, so the decision to lend more sits with the right person. Every approval is audit-logged, giving the owner a clear trail of who extended credit, to whom, and when.
One-tap WhatsApp reminders to recover what you are owed
Chasing udhaar is where most small shops lose money. TajerGo turns that into one tap: send a WhatsApp reminder to a customer with an outstanding balance straight from the ledger, in the language they read. This is the same WhatsApp channel TajerGo uses for owner digests and khata reminders. Note that POS receipts are not sent over WhatsApp — printed tax-invoice receipts cover that at the counter.
Aging report and printable statements
The khata aging report shows, in plain AED, who owes what and how long it has been outstanding — this week, this month, or long overdue — so you collect from the oldest debts first. For any customer you can produce a printable statement listing every credit sale and payment on their book. Hand it across the counter or attach it to a reminder so there is never an argument about the number.
Built for UAE baqalas, cafeterias and groceries
TajerGo is built for the UAE corner shop reality: a baqala, cafeteria or grocery where labourers, drivers and neighbours buy now and settle on payday — and just as well for a wholesaler or cafeteria that runs credit accounts for nearby offices and businesses. It runs on any tablet or desktop, works in Arabic (full right-to-left), English and Spanish, and stays selling even when the internet drops — offline sales sync automatically when you reconnect. VAT and TRN tax-invoice receipts print on 58mm or 80mm rolls, priced in AED for UAE FTA realities.
Pricing, security and what it costs to run
TajerGo Storefront is AED 499 per branch per month and includes the full POS with the khata credit ledger, risk scoring, manager approval, aging report and statements. Autopilot at AED 899 adds the full AI suite. There are no per-user fees, no invoice caps, and annual billing saves 5%. Every sensitive action is audit-logged, data is encrypted in transit and at rest, and the platform is aligned with UAE PDPL and GDPR with bank-grade tenant isolation.
Frequently Asked Questions
What is a POS with khata credit?
A POS with khata credit lets a shop sell on credit (udhaar) directly at the till and track every dirham owed against each customer's ledger. In TajerGo, khata is one of four tenders alongside cash, card and wallet, so credit sales are recorded automatically with date, items and amount — no separate notebook.
How does TajerGo handle credit sales at the counter?
When a customer buys on credit, the cashier picks khata as the tender and selects the customer. The till shows their live credit limit and an AI risk score (red, amber or green). If the sale breaks the credit rules or exceeds the limit, TajerGo holds it for manager approval before it completes, and the whole action is audit-logged.
Can TajerGo handle credit for business accounts, not just individual customers?
Yes. The same khata ledger handles both business-to-customer (B2C) and business-to-business (B2B) credit. You can run a credit account for a walk-in regular settling on payday or for another business buying on terms, and each account gets its own credit limit, AI risk score, aging report, printable statements and WhatsApp reminders.
How does the AI risk scoring work?
TajerGo grades each credit customer red, amber or green based on their real payment history on their khata ledger. Green means safe to extend, amber means caution, and red flags a customer who is already stretched. The score appears at the till so cashiers and owners can decide quickly whether to lend more before a credit sale goes through.
Can I send WhatsApp reminders for unpaid khata?
Yes. From the khata ledger you can send a one-tap WhatsApp reminder to any customer with an outstanding balance. WhatsApp in TajerGo covers khata reminders and owner digests. Note that POS sales receipts are not sent over WhatsApp — those are printed as VAT tax-invoice receipts at the counter.
Does TajerGo show who owes me money and for how long?
Yes. The khata aging report lists every customer with an outstanding balance in plain AED and groups it by how long it has been owed, so you can chase the oldest debts first. You can also produce a printable statement for any customer showing all their credit sales and payments.
Is TajerGo suitable for a baqala, cafeteria or grocery?
Yes. TajerGo is built for UAE baqalas, cafeterias and groceries where regulars buy now and pay on payday. It runs on any tablet or desktop, keeps selling offline during internet outages and syncs on reconnect, supports Arabic (full RTL), English and Spanish, and prints VAT/TRN receipts on 58mm or 80mm rolls.
How much does TajerGo with khata cost?
TajerGo Storefront is AED 499 per branch per month and includes the full POS plus the khata credit ledger, risk scoring, manager approval, aging report and printable statements. Autopilot at AED 899 adds the full AI suite. There are no per-user fees, no invoice caps, and annual billing saves 5%.
Is my customer credit data secure with TajerGo?
Yes. TajerGo uses bank-grade tenant isolation so each business's data is separated, encrypts data in transit and at rest, and audit-logs every sensitive action including credit approvals. The platform is aligned with UAE PDPL and GDPR, which matters because khata ledgers hold customer names, phone numbers and balances.
Is TajerGo ready for UAE e-invoicing?
TajerGo is built with e-invoicing-ready architecture for the UAE FTA mandate; it is not a live or certified e-invoicing feature yet. UAE e-invoicing is voluntary from 1 July 2026, mandatory for AED 50M+ businesses from 1 January 2027 and all others from 1 July 2027, using structured PINT AE XML via accredited Peppol providers reported to the FTA, with penalties up to AED 5,000 per month.