VyajPay for iPhone
Your byaj khata, in your pocket. Track every borrower, every loan and every rupee of interest — and wake up to a WhatsApp telling you who owes you today.
Requires iOS 17.0 or later · Free with in-app purchases
What you get on iPhone
The same app as Android, built natively for iOS.
Unlimited borrowers and customers
Two ledgers in one app: Khata for daily udhar, and Borrowers for loans that carry byaj. No cap on entries, on any plan.
Flat, reducing and interest-only loans
Track a loan the way you actually agreed it — flat rate, reducing balance, or interest-only (mahajani byaj), with the schedule worked out for you.
A daily WhatsApp due-list
Every morning at a time you choose, VyajPay WhatsApps you the day’s dues — names, amounts, total to collect. Your borrowers are never messaged automatically.
Smart Scan your paper khata
Photograph a page of your existing register and Smart Scan reads the rows for you to confirm — one entry at a time or a whole page at once.
Digital Locker per borrower
Agreements, cheques, ID proofs and photos attach to the borrower they belong to, so the paperwork lives with the ledger.
Face ID and PIN app lock
Lock the app behind Face ID, Touch ID or a PIN. Your khata stays private even if someone else picks up your phone.
Synced across your devices
Change your phone and your ledger comes with you. The same account works on your iPhone and on Android.
Works offline
Add entries with no signal. Everything syncs automatically the moment you are back online.
A look inside
App Store details
- Price
- Free, with in-app purchases
- VyajPay Pro
- ₹99/month or ₹699/year
- Free trial
- 7 days
- Requires
- iOS 17.0 or later
- Size
- About 62 MB
- Languages
- English, Hindi, Gujarati
- Age rating
- 4+
- Category
- Finance
- Seller
- Vijaysinh Zala
VyajPay is a bookkeeping app. It records the loans and repayments you have already agreed. It does not lend money, process payments, or offer financial advice.
Frequently asked
Which iPhones can run VyajPay?
VyajPay requires iOS 17.0 or later, which covers iPhone XS, XR and every model since. iPhone 8 and iPhone X cannot run it.
Is VyajPay free on iPhone?
Yes. The core app is free with unlimited borrowers and entries, supported by ads. VyajPay Pro is ₹99 a month or ₹699 a year with a 7-day free trial; it removes ads and unlocks the daily WhatsApp due-list, Digital Locker, Smart Scan and advanced reports.
Does VyajPay send WhatsApp messages to my borrowers?
No. The automated message goes to you — a daily WhatsApp listing who owes what today. When you do want to message a borrower there is a one-tap WhatsApp button that opens the chat with the text ready, and you press send. VyajPay does not send SMS.
Can I use the same account on an iPhone and an Android phone?
Yes. Sign in with the same number and your ledger syncs to both.
Is there a web or desktop version?
No. VyajPay is an iPhone and Android app. You can export borrower statements and reports as PDF or CSV to move the numbers to a computer, and the calculators on this site work in any browser.
Can I move my data from another khata app?
There is no data importer. Smart Scan shortens the job though — photograph a page of your existing khata and it reads the rows for you to confirm.
Put your khata in your pocket
Free to start, unlimited borrowers, and it works offline.
On Android? See the Android page · How VyajPay works · Pricing