Bharose ka Naya Tareeka
Digital Shared Ledger & Hisaab record-keeping for local Kirana shops, general merchants, and customers across India.
Both customer and shopkeeper see matching entries in real-time. No more disputes or missing paper notebook pages.
Send friendly payment reminders via WhatsApp or automated voice alerts with a single tap from the app.
Every entry is secured with TLS 1.3 encryption. Mistaken entries can be transparently corrected via audit logs.
PayKal (operated by UdhaarSetu) is built to empower local Kirana stores, medical shops, general merchants, and neighborhood customers across India. We preserve the warmth of traditional trust-based local credit while replacing messy notebooks with accurate, shared digital hisaab.
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Total Outstanding Udhaar