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VyajPay product guide

How VyajPay works

Every screen, every flow, every pre-check — documented from the actual app. Same guide covers Android and iOS; platform differences are flagged inline.

Daily use

Dashboard

Today's dues, balances, streak, quick actions.

Khata (customer ledger)

Add customers, track You’ll Get / You’ll Give totals.

Customer detail

Transactions, sync card, You Gave / You Got actions.

Scanning & documents

Add entry (single AI scan)

Snap one bill, AI fills amount + note + date.

Batch scan

Plus icon → capture a full khata page → review many entries at once.

Digital Locker

Private per-customer document vault. Never shared with the other party.

Bill Approval

Delete a synced transaction → the linked party approves or declines.

Borrowers & loans

Borrowers list

Lending side: people who owe you. Add, search, filter.

Borrower detail

All loans, payments, sync status with the borrower.

Borrower ledger

Totals: Borrowed, Paid, Outstanding (per loan type).

Loans — Flat, Reducing, Interest-Only

Pick the right loan type. Tenure rules, formulas, examples.

Share loan with borrower

Send the loan to the borrower’s VyajPay account. They accept → ledger syncs.

Received tab

Borrower side: incoming loans, accept agreement, see balance.

Reports

PDF reports & receipts

Customer, borrower, wallet, and payment receipt PDFs.

Settings

App Lock

Biometric + device PIN. Locks on background.

WhatsApp Reminders

Toggle WhatsApp payment reminders.

Delete account

30-day grace period. Recoverable by re-login.

Reset account

Wipe ledgers, keep profile and subscription.