UrKredit
A digital credit management app that helps businesses record, track, and settle payments.
SecureBook's flagship credit ledger app empowering merchants and enterprises to digitize their customer khata, send automated WhatsApp/SMS payment reminders, and accelerate collections effortlessly.
Play Store
Digital Khata in ActionDigital Khata & Credit Management
100K+ Merchants actively recording & recovering daily credits
Real Performance & Verified Metrics
Real counts, active platform users, and operational benchmarks.
Businesses actively managing daily customer credits
Recorded and recovered across retail & wholesale sectors
Automated reminders reduce outstanding dues significantly
Rated highly by thousands of satisfied business owners
Bank-grade encryption with automated multi-device backup
Zero lost ledgers, calculation mistakes, or untracked debts
The Traditional Bottleneck vs The SecureBook Solution
- Physical ledger books ('Bahi Khata') get damaged, misplaced, or suffer from calculation errors.
- Calling customers to remind them about outstanding payments is awkward, time-consuming, and inconsistent.
- Merchants struggle with delayed cash flow and lack visibility on customer aging balances.
- Reconciling cash, UPI, and cheque payments against individual credit records is cumbersome.
- A fast, mobile-first digital ledger that records customer debits and credits in seconds.
- Automated WhatsApp and SMS payment reminders with integrated payment collection links.
- Instant settlement via UPI and QR codes with real-time balance updates.
- Downloadable PDF statements and reports to share with customers with full transparency.
How UrKredit Works
Sign Up in Seconds
Register your business in under a minute on Android, iOS, or Web with secure mobile OTP.
Record Credits & Debits
Add customer transactions with 2 taps; customer balances calculate and update in real time.
Automate Reminders
Send friendly, professional WhatsApp and SMS payment reminders with instant 1-click UPI links.
Settle & Reconcile
Payments credit straight to your bank account with automatic digital receipt and ledger reconciliation.
Digitize Every Customer Credit & Payment Flow
Visual overview of UrKredit's digital khata ledger, automated WhatsApp collections, QR settlements, and real-time ledger sync.
Mobile Ledger100K+ MerchantsDigital Customer Khata
Record customer debits and credits in 2 taps with real-time balance calculations, cloud sync, and 100% paperless tracking.
3x Faster Recovery₹500Cr+ CollectedAutomated WhatsApp Reminders
Send friendly, professional payment reminders with embedded 1-click UPI links directly to customer WhatsApp & SMS.
Direct Bank Deposit100% Direct BankInstant QR & UPI Settlements
Contactless merchant QR codes enabling customers to pay directly from GPay, PhonePe, or Paytm with zero delay.
Bad-Debt Protection99.9% UptimeCredit Health & Aging Reports
Track customer credit histories, overdue aging analysis, and download GST-ready PDF financial statements.
Comprehensive Features Built for Scale
Digital Khata & Ledger Management
Record daily customer transactions in 2 taps with automatic balance calculations.
Automated Reminders via WhatsApp
Send friendly, professional payment reminders with payment links directly to customers.
Instant UPI & QR Settlements
Receive customer payments directly into your bank account with zero settlement delay.
Customer Credit History & Limits
Set credit limits and monitor customer payment habits to prevent bad debts.
Multi-Language & Offline Support
Works smoothly even without an internet connection, syncing securely when back online.
Comprehensive Business Reports
Generate monthly statements, aging analysis, and GST-ready financial summaries.
Designed Specifically For:
Ready to get started with UrKredit?
Join thousands of businesses who have eliminated manual friction. Speak with our product team for a customized walkthrough.
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