Credit ledger app vs POS software
A credit ledger app is a phone notebook for customer credit: it records who owes what and often sends reminders. POS software like RMS makes and prints the bill, reduces stock and adds credit to the customer's account in one step, and gives profit reports. If you make bills and keep stock, you need POS.
Last updated 18 October 2026
Side by side
| Typical credit ledger app | RMS POS | |
|---|---|---|
| Records customer credit and payments | Yes | Yes, from the bill itself |
| Makes and prints the bill | No | Yes: thermal, A4/A5/A6 |
| Knows your stock | No | Yes, every sale reduces stock |
| Profit and reports | Balance only | 32 reports, profit and loss |
| Runs on | Phone | Shop computer |
| Sends payment reminders by SMS/WhatsApp | Often yes | No — prints a statement or Due list |
| Price | Often free | Yearly or once for life |
Read more: customer credit in RMS · how to manage customer credit
Questions shop owners ask
Can I use a credit ledger app and RMS together?
You can, but you don't need to: RMS keeps customer credit for you. Every credit bill adds to the customer's balance, payments reduce it, and you can print a statement.
Does RMS send payment reminders by SMS?
RMS is not a cloud service: there is no web login, mobile app or live sync between branches, and the app does not send SMS or WhatsApp messages. The Due list shows who owes money so you can call them.
When is a credit ledger app enough?
If you only need to remember who owes what and you don't make bills or track stock, a free phone ledger app may be enough.
Try RMS free for 14 days
Every Pro feature, no card needed. Keep it from USD 39 a year or pay once for life.
14-day trial · Windows, macOS, Linux · Works offline