# VyajPay: Udhar Khata Book — Customer ledger, hisab & dues > Digital loan ledger and interest record app for managing borrower payments and documents. (iPhone/iPad app by Vijaysinh Zala.) - Source: https://appshunter.io/ios/app/vyajpay-udhar-khata-book/id6756029709 (this page in markdown: same URL + `.md`) - Developer: [Vijaysinh Zala](https://appshunter.io/developer/1857421891) - Category: Business, Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 65 MB - Languages: American English, Gujarati, Hindi (Latin) - Released: 2025-12-23 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/vyajpay-udhar-khata-book/id6756029709/reviews.md ## What is VyajPay? VyajPay is a simple khata book and record-keeping app for shopkeepers, small businesses and anyone who keeps a hisab — customer records, payment history, reminders and documents in one place. Use VyajPay to replace paper notebooks with clear digital records. Track amounts given or received, outstanding balances, payment entries, due dates and customer-wise history in a clean and organized format. Key features: Khata and Interest (Byaj) Records Record amounts given or received, add interest details, track outstanding balances and view complete payment history. Customer Management Create separate records for every customer. Save names, phone numbers, entries, payment records and notes in one organized place. Payment Reminders Set reminders for upcoming payments so you can follow up on time and avoid missing important due dates. Digital Document Storage Store related documents, receipts and proofs safely inside the app for quick access whenever needed. Reports and Records View customer-wise records, payment history, outstanding amounts and entry details in a clean and simple format. Secure and Private Keep your records protected with app lock, cloud backup and privacy-focused storage. Useful for: Shopkeepers, kirana stores, small business owners, jewellers, chit fund and committee members, and anyone who maintains a khata, udhar, hisab or customer account register. Important: VyajPay is only a bookkeeping and record-keeping app. VyajPay does not provide loans, credit, loan applications, loan matching, payments, banking, underwriting, collection services or financial advice. Privacy Policy: https://vyajpay.com/privacy-policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://vyajpay.com/contact ## Key features - Loan ledger and interest records - Borrower management - Payment reminders - Digital document storage - Reports and records - Secure and private storage ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | VyajPay Pro Monthly | $0.99 | per month | | VyajPay Pro Yearly | $9.99 | per year | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/vyajpay-udhar-khata-book/id6756029709/reviews.md ### 5/5 — nice app *2026-05-27* nice app ### 5/5 — Best Loan and khata tracking app *2026-05-17* I’ve been using Vyajpay for few weeks now to mange my borrower and it’s made tracking loans and repayments super easy. The offline-first approach is perfect for my business I can check and update ledgers even without Internet. The WhatsApp reminder ensure I never miss any collection date. UI is clean and easy to use ### 5/5 — Professional & Trustworthy *2025-12-29* VyajPay is an excellent app for lenders to manage borrowers, loans, and khata digitally. The interface is clean, reports are detailed, and features like PDF/Excel export and WhatsApp reminders make daily tracking effortless. It has significantly reduced manual work for me. Highly recommended for small and medium lenders. ### 5/5 — Best app for lenders *2025-12-24* This is the best app which I found out of all ledger apps. Features digital locker option, WhatsApp reminders , cloud backup and no ads that’s also without any subscription is the best one could ask for!! Highly recommend!! ## Frequently asked questions about VyajPay ### What is VyajPay used for? VyajPay is a digital ledger app designed to help users manage loan records, track borrower payments, record interest, and store related documents. It aims to replace traditional paper notebooks with organized digital entries. ### Does VyajPay offer loans or financial services? No, VyajPay is strictly a bookkeeping and record-keeping application. It does not provide loans, credit, payment processing, or any financial advice. ### How does VyajPay help manage borrowers? VyajPay allows you to create individual records for each borrower, storing their names, contact information, transaction history, outstanding balances, and any notes. This keeps all borrower-specific information organized in one place. ### Can I set reminders for payments with VyajPay? Yes, VyajPay features a payment reminder system. You can set up notifications for upcoming payment due dates to ensure timely follow-ups and avoid missed deadlines. ### What kind of reports can I generate with VyajPay? VyajPay provides borrower-wise records, detailed payment histories, outstanding amounts, and overall loan information. These reports are presented in a clean and simple format for easy review. ### Is my data safe with VyajPay? VyajPay prioritizes security and privacy. It offers an app lock feature, cloud backup options, and privacy-focused storage to protect your financial records. ### What are the subscription options for VyajPay Pro? VyajPay offers a Pro version with monthly and yearly subscription plans. The monthly plan costs $0.99 per month, and the yearly plan is priced at $9.99 per year. ### On which devices can I use VyajPay? VyajPay is available for iPhone and iPad devices, as indicated by its supported devices list. ## Version history (last 5 releases) ### 1.2.8 — 2026-08-18 What's New in v1.2.8 Customer Auto-Updates: Payment and loan updates now reach your customers on WhatsApp or SMS — with a separate on/off toggle for every customer. New Overdue View: See exactly who is late and by how much, at a glance, across every loan cycle. Payment Proof: Attach a photo receipt to any payment entry and pull it up again from the transaction. Staff Collections: Your staff now see upcoming collections, not only today's list. Reports & Locker: Rebuilt interest reports, a faster Digital Locker, and streak rewards for staying consistent. Native Feel: Screens push and swipe back the way iOS should, with a redesigned home and a new animated splash. Reliability: More dependable notifications, improved Dark Mode, and a batch of crash fixes. ### 1.2.7 — 2026-08-09 New in this update: Reports — track your lending business with detailed interest, collection and profit reports. Reduce Principal — record a principal reduction directly from the loan page. Mark Multiple Payments — select and mark several payments at once instead of one by one. Profile Picture Viewer — tap any photo to view it full screen. Fixes and improvements: • Fixed WhatsApp message sending issues • Fixed notification delivery and history problems • General performance improvements Thank you for using VyajPay! ### 1.2.5 — 2026-07-20 Version 1.2.5 Redesigned Home A cleaner, more premium Home screen that puts what matters most right in front of you. Amounts given and received, outstanding balances and recent activity are now easier to read at a glance. Easier to use Simpler layout and smoother navigation so you can add entries and find borrower records in fewer taps. Accessibility improvements Better colour contrast, larger touch targets and improved screen-reader (VoiceOver) support across key screens. Bug fixes and stability Squashed several bugs and made the app faster and more reliable. Thanks for using VyajPay. We read every review — keep your feedback coming. ### 1.2.4 — 2026-07-14 - Bug fixes and performance improvements - Improved loan ledger and payment tracking - Enhanced reminders and backup reliability ### 1.2.3 — 2026-05-26 Improved loan ledger performance, borrower records, payment reminders, and subscription setup for a smoother VyajPay experience. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*