Neighborhood retail
The corner store, on a real ledger.
Khata360 turns the paper khata into a real-time ledger — with working capital and customer credit on the same surface.
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What we build for kirana
One screen for the day's money.
Every UPI inflow, every credit sale, every supplier payment — reconciled at source, settled to the bank account that matters.
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Auto-recon
UPI inflows matched to invoices in real time.
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Working capital
Short-tenure lines underwritten on six months of transaction data.
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Customer credit
Extend short-term credit to your regulars — the risk sits with us.
Ready to plug Paynorma in?
30-minute call. We will walk you through what one signup unlocks.