VyajPay Features
Everything VyajPay actually does — across Android and iOS. Tap any card to see the step-by-step guide.
Ledgers
Two ledgers, one app
Track daily customer credit (khata) and interest-bearing loans separately. No mixing, no confusion.
Khata — daily customer ledger
Add customers in seconds, record "You Gave" and "You Got" entries, and see live "You'll Get" and "You'll Give" totals at the top of the screen.
Learn how it works →Borrowers — loans with interest
Create borrower profiles with name, mobile, notes, and tags. Track every loan, every payment, and the running outstanding for each borrower.
Learn how it works →Three loan types
Flat, Reducing-balance, and Interest-Only. Tenure is required for Flat and Reducing. Interest-Only is open-ended — perfect for ongoing lending where only interest is collected.
Learn how it works →AI capture
Stop typing entries — scan them
Built-in AI reads bills, receipts, and even full handwritten khata pages.
Single AI scan
Inside the Add Entry sheet, snap one bill. VyajPay's AI auto-fills amount, note, and date. The image stays attached as proof.
Learn how it works →Batch scan a full page
Tap the + on Customer Detail. Capture a paper khata page and AI extracts every row at once. Review the list, edit anything, save in one tap.
Learn how it works →Digital Locker
Private per-customer document vault — receipts, ID cards, agreements. Syncs across your devices but never shared with the linked party.
Learn how it works →Sharing & sync
One ledger, two phones
When the borrower or customer is also on VyajPay, sync the ledger so both sides see the same numbers in real time.
Share with borrower
Tap Sync on a borrower. They receive the request and tap "I Accept & Agree". Every loan you have with them — and every new one — appears on their phone with live payment updates.
Learn how it works →Received tab
On the borrower's side, incoming loans land in the Received tab. Accept the loan agreement, see your total borrowed, open the ledger.
Learn how it works →Bill Approval
On a synced ledger, deleting an entry needs the other party's approval. No one can silently erase financial history.
Learn how it works →Reminders
Get paid on time
Push reminders in the app, and a daily WhatsApp due-list sent to you.
WhatsApp reminders
One-tap toggle in Settings. VyajPay sends approved templates to the borrower on due dates and after a missed payment. Verified phone required.
Learn how it works →Today's Dues + Calendar
Dashboard surfaces every reminder due today. Calendar view shows the next 14 days with one-tap mark-paid.
Learn how it works →Daily streak
A small nudge to keep your ledger up to date. Each day you log activity counts toward your streak — a fire icon shows up after 3 days in a row.
Learn how it works →Reports & money tools
Share the numbers
PDFs and calculators for everyday lending.
PDF reports & receipts
Customer Transaction Report, Borrower Loan Report, Wallet Report, and per-payment Receipt PDF. Branded, share via WhatsApp or email.
Learn how it works →Wallet
Track your lending capacity — current balance, total lent, total received, optional lending budget. Wallet report exports as PDF.
Built-in calculators
EMI, simple interest, compound interest, FD, SIP, home loan, GST, and more. Use them while creating a loan or as standalone tools.
Learn how it works →Security & control
You decide who sees what
App-level lock, account controls, and clear data ownership.
App Lock
Biometric (Face ID, Touch ID, fingerprint, face unlock) plus optional 4-digit PIN on iOS. Locks the moment VyajPay goes to the background.
Learn how it works →Reset all data
Wipe ledgers, keep your account, profile, and lock. A hidden 30-day backup lets support restore if needed.
Learn how it works →Delete account
30-day grace period — sign in again within 30 days to fully recover everything. After 30 days, your data is permanently removed.
Learn how it works →Platform
Built for India, works offline
Android + iOS
Native apps for both platforms. Same data, same features. Switch phones and pick up where you left off.
Multi-language
English, Hindi, Gujarati and more. iOS supports 12 in-app languages today.
Offline-first
Every entry, payment, and edit works without internet. VyajPay syncs in the background the moment connectivity returns.
Try VyajPay today
Free to download and use. Optional VyajPay Pro subscription (monthly or yearly, 7-day free trial) unlocks premium features and removes ads.
