Why does the outstanding figure never match reality?
The money owed lives in a diary, a few WhatsApp chats and the biller's memory. No single source is the truth, so the real outstanding figure is whatever you guess that day.
You guess, you losePayment Tracking · India 2026
Payment tracking that actually gets you paid.
See every rupee that's owed to you, send reminders without the awkward phone call, and match each payment back to its bill — all on one screen. Payment tracking software built for Indian businesses, not accountants. From ₹799/year, four-day free trial.
- See every outstanding rupee — live
- Per-customer balance with WhatsApp reminders
- Partial payments, advances & adjustments tracked
- Receivables + supplier payables in one view
- Cloud backup, multi-device access
No credit card · 4-day free trial · Free migration
- From ₹799/year
- Auto WhatsApp reminders
- Receivables + payables
- 12,000+ businesses
- 4.9/5 rating
- 12,000+ businesses
- Bill in under 10s
- GST-ready since 2017
Cash-flow research · 2026
What untracked payments are actually costing your business
- 82%of small businesses that fail name cash-flow problems as a cause — most of it money already earned but never collectedU.S. Bank cash-flow study
- ~176 daysthe average wait for an Indian micro-business to collect on a credit saleHindustan Times analysis, 2025
- ₹22,000 cr+of MSME dues stuck in delayed-payment claims — the 45-day rule and Section 43B(h) now have teethMSME Samadhaan / ODR portal, Jul 2025
- ₹66 / mothe cost of Accountune (₹799/year) — it tracks every rupee owed, both waysLess than one dhaba lunch
Figures compiled from the U.S. Bank cash-flow study, the U.S. Federal Reserve Small Business Credit Survey 2025, ClearTax / SMEStreet on Section 43B(h), the MSME Samadhaan / ODR portal data (Lok Sabha, Jul 2025), and a Hindustan Times analysis of credit-sale collection days. From the corner kirana running udhaar to a wholesaler sitting on sixty open invoices, the problem is the same — the sale is done, but the money is somewhere out there. The money isn't missing because business is bad; it's missing because nobody's tracking it — which is exactly what payment tracking software is for.
In short
What is payment tracking software?
Payment tracking software records what each customer owes you, follows every credit sale until the money arrives, and sends automatic reminders so dues don't slip. Accountune tracks receivables and supplier payables in one place, handles partial payments and advances, and shows a live outstanding total — turning scattered udhaar khatas into a clear, chase-able list for Indian small businesses.
Why payment tracking is its own problem
Why payment tracking is its own problem — and why generic tools fail at it
Plenty of software can make a bill. Very little of it actually follows that bill until the money arrives. That follow-through is where Indian businesses lose lakhs — and it breaks for reasons a generic invoicing app was never built to handle.
The money owed lives in five different places. A khata diary, a few WhatsApp chats, an Excel sheet, the biller's memory, and a fistful of kacha slips. No single one of them is the truth, so the real outstanding figure is whatever you guess on a given day. Generic billing tools record the sale and then go quiet.
Partial payments and advances break simple ledgers. A customer pays ₹3,000 of a ₹5,000 bill today and “the rest soon.” Another pays ₹10,000 upfront against future orders. A tool that only knows “paid” or “unpaid” can't hold this. You need a running balance per customer that survives part-payments, advances and adjustments.
A sale isn't revenue until it's collected. It's easy to feel busy and still be broke, because the day's “sales” include money you'll see in 60 days — if at all. Payment tracking separates what you've billed from what you've actually banked, so the number you trust is the real one.
Reminders are awkward, so they quietly don't happen. Nobody enjoys ringing a regular customer to ask for ₹2,400. So the call gets postponed, the due ages, and eventually it feels too late to bring up. Reminders only work when they're scheduled and automatic — not dependent on you finding the courage on a busy day.
You're on the paying side too. Receivables are only half the picture. You also owe suppliers — and if some are registered micro/small enterprises, the 45-day rule and Section 43B(h) mean a missed payment can cost you a tax deduction. Real payment tracking watches both directions: money coming in, and money you must send out before a deadline bites.
Entities covered on this page
- receivables
- payables
- MSMED Act
- Section 43B(h)
- 45-day rule
- MSME Samadhaan
- aging report
- WhatsApp reminders
- UPI
- reconciliation
6 payment failures Accountune fixes
The daily payment failures that are quietly draining your cash
These are not hypothetical. They happen in businesses across India every month — and each one quietly leaks money you've already earned.
Problem 01 Accountune fix One live receivables total
Every credit bill and every payment updates a single running figure — total money owed to you, and a balance per customer. No adding up diary pages on Sunday night.
One running figure, always currentProblem 02 Why do customers “forget” to pay — and so do you to remind them?
Nobody enjoys ringing a regular to ask for ₹2,400. The call gets postponed, the due ages, and eventually it feels too late to bring up at all.
Dues age, then get written offAccountune fix Automatic reminders on WhatsApp
Set it once and Accountune nudges customers on schedule — a polite, branded message with the amount and bill — so chasing isn't a thing you have to feel awkward about doing.
Reminders go out on their ownProblem 03 What happens when someone pays half today and half “later”?
A customer pays ₹3,000 of a ₹5,000 bill and “the rest soon.” A tool that only knows paid or unpaid can't hold this, and the part-payment slips through the gap.
Part-payments lost in the gapAccountune fix Partial payments and advances, to the rupee
Record a part-payment, an advance, a discount or a write-off, and the customer's balance adjusts instantly. The history stays — who paid what, and when.
Balance correct to the rupeeProblem 04 Where did that ₹8,000 cash payment actually go?
Cash, UPI, cheque — a receipt comes in and nobody ties it to a bill. At month-end it's “I think this was for the July order,” and nobody can be sure.
Receipts with no homeAccountune fix Every payment matched to a bill
Cash, UPI, cheque or bank transfer — each receipt is tied to the invoice it clears, with a timestamp. At month-end there's no guesswork about what cleared what.
Every receipt reconciledProblem 05 Are you about to miss a 45-day supplier deadline?
If some suppliers are registered micro/small enterprises, a missed 45-day payment doesn't just annoy them — under Section 43B(h) it's added to your taxable income.
Lose the tax deductionAccountune fix Payables and due dates, tracked
See what you owe and when it's due, so you clear micro/small suppliers inside the 45-day window and keep your Section 43B(h) deduction instead of paying tax on it.
Deadlines met, deduction keptProblem 06 Which customers are quietly turning into a risk?
Some customers sit on your money for 90 days while you keep selling to them. Without an aging view, you only notice when it's already a write-off.
Risk spotted too lateAccountune fix An aging view that ranks who's overdue
Sort dues by how long they've been outstanding, so the customer sitting on your money for 90 days is impossible to miss — and you act before it becomes a write-off.
Overdue ranked, acted on early
Setup to first tracked due — under 20 minutes
How Accountune tracks payments — from day one
No IT person. No training consultant. Most owners are tracking their real receivables within about 20 minutes of signing up.
- Step 01about 15 minutes
Bring in your customers and current dues
Add your regular customers and whatever they already owe — from the diary, an Excel sheet, or a Khatabook export. You start from your real position, not zero.
- Step 02ongoing
Bill the way you already do — every credit sale becomes a due
Make a bill in seconds. If it's on credit, Accountune automatically opens a due against that customer. Nothing extra to remember; the tracking is a by-product of billing.
- Step 03as they come
Record payments as they land — cash, UPI, cheque, part-payment
When money comes in, mark it against the bill. Half-payments, advances and adjustments all just work, and the customer's balance updates the moment you save.
- Step 04automatic
Let reminders and reports do the chasing for you
Automatic WhatsApp reminders go out on schedule. A plain-English report shows your total outstanding, your slowest payers, and what's owed to suppliers — so you act on the numbers instead of hunting for them.
Most owners are tracking their real receivables and payables within 20 minutes of signing up.
What you get
Everything your business needs, nothing it doesn't
Payment tracking isn't a separate silo — it runs underneath billing, GST, inventory and reports. Udhaar credit, supplier records and customer credit limits all reinforce the same one job: getting every rupee in.
Fast counter billing
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap.
Automatic inventory update
Stock accurate without extra entry
Every sale deducts from stock; every purchase adds back. Live count at any moment.
Udhaar & customer credit tracking
Not one rupee missed or disputed
Per-customer digital account with timestamped history. One-tap WhatsApp reminders.
GST invoicing + GSTR reports
Zero manual tax calculation
CGST, SGST and IGST correct on every invoice. GSTR-1 and GSTR-3B ready at month end.
Low stock alerts
Reorder before the shelf goes empty
Custom minimum per product; alert via app, email or SMS.
Barcode scanning
Packaged goods billed in 3 seconds
USB, Bluetooth or phone camera; auto-fills name, price, GST, HSN.
WhatsApp bill sharing
Professional bills, no printing cost
PDF invoice to the customer's WhatsApp in one tap.
Supplier & purchase records
Never overpay a supplier again
Every purchase logged; supplier-wise outstanding always visible.
Daily business reports
Full business picture in 2 minutes
Sales, top products, slow movers, daily profit, pending dues — one dashboard.
Staff access control
Counter staff see billing only
Role-based logins; profit and purchase data stay owner-only. Full activity log.
Customer credit limits
Cash flow protected without awkwardness
Set a max credit per customer; alert fires before the bill is created.
Cloud backup
Data safe even if every device is lost
Automatic daily backup with 256-bit encryption; log in from any device.
The short version
The two-minute version of why teams switch
A two-minute comparison of Accountune, Tally, Zoho and Vyapar across the six things that actually decide whether you get paid. Competitor cells reflect each product's standard plan (verified June 2026).
| Capability | Accountune | Tally Prime | Zoho Books | Vyapar |
|---|---|---|---|---|
| Auto WhatsApp payment reminders | ||||
| Per-customer running balance (receivables) | ||||
| Partial payments & advances | ||||
| Supplier payables + 45-day / 43B(h) alerts | ||||
| Receivables aging report | ||||
| Live cloud sync across devices |
Our take
Accountune is the only one here that ships automatic WhatsApp reminders and supplier 45-day / 43B(h) alerts as defaults, not add-ons — the two things that actually pull money in and keep your deductions safe.
Rated 4.9/5 by 12,000+ Indian businesses.
Year-1 cost · 1 firm · 3 users
- Accountune₹1,849
- Vyapar₹7,188
- Zoho Books₹8,988
- Tally Prime₹24,000
Is this right for you?
Which businesses get the most out of payment tracking
An honest read on where Accountune fits best — for the Indian business where money goes out on credit and comes back later, which for most growing businesses is most of the time.
Wholesalers & distributors
Best fit
Long credit cycles and dozens of open invoices at once — exactly where a running receivables total and aging report pay for themselves many times over.
Retailers who run udhaar
Per-customer balances
Kirana, medical, hardware, garment and general stores where regulars buy on credit. Per-customer balances and automatic reminders replace the diary nobody likes maintaining.
B2B service businesses & agencies
Invoice-and-wait work
Agencies, consultants, repair and AMC services — where payment terms stretch and follow-ups slip through the cracks.
Contractors & suppliers to larger firms
MSME 45-day leverage
Supply bigger companies or government buyers? The MSME 45-day rule is your leverage. Tracking due dates turns a vague “pending” into a position you can act on.
Multi-counter & multi-branch shops
One shared ledger
When several people take payments, you need one shared, live ledger — not five versions of the truth. Everyone records against the same balance.
Anyone moving off paper khata or Excel
First-time digital
If “the system” is a notebook, your phone gallery and memory, this is the upgrade that stops money slipping between them.
Recognise your business? You're exactly who Accountune is built for.
Start freeAccountune Product Team
Product Research — India SME Payments, 2017–2026
Based on
- 12,000+ business journeys
- India · 2017–2026
Published 2026
Most owners don't notice a payment problem until the month-end cash simply isn't there. By then the trail is cold — who promised what, and when, lives in someone's head. Payment tracking flips that: the problem shows up as a number on day one, while you can still do something about it.
Buyer's guide · 2026
How to choose payment tracking software in India — the complete checklist
Before you commit to any tool, run it through these seven questions. If it stumbles on more than one, it'll quietly recreate the problem you're trying to solve.
- One live total
Does it show one live outstanding total — receivables and payables?
You should see, in one glance, the total owed to you and the total you owe out. Two halves of the same cash position.
Accountune
Accountune shows total owed to you and total you owe, on one dashboard.
- Auto reminders
Can it send reminders automatically, on WhatsApp?
WhatsApp is where Indian customers actually read. Reminders should go out on a schedule you set once — not depend on you remembering.
Accountune
Set a schedule once; Accountune sends branded WhatsApp reminders on its own.
- Partial & advances
Does it handle partial payments, advances and write-offs cleanly?
Real money doesn't arrive in tidy full amounts. The balance must stay correct through part-payments and adjustments.
Accountune
Part-payments, advances and adjustments update the balance to the rupee, with history intact.
- Matched to a bill
Does it tie every payment back to a specific bill?
“Received ₹8,000” is useless in three months. “₹8,000 against Invoice #412 on 14 May” is an audit trail.
Accountune
Every receipt is tied to its invoice with a timestamp — a real audit trail.
- 45-day alerts
Will it flag the MSME 45-day / Section 43B(h) deadlines?
Missing the window doesn't just annoy a vendor — it can cost you a tax deduction. The tool should warn you before that happens.
Accountune
Accountune tracks payable due dates and flags the 45-day window before it bites.
- Role-based access
Can staff record payments without seeing your full profit data?
Counter staff need to mark a payment, not browse your margins. Role-based access keeps the ledger shared and the sensitive numbers private.
Accountune
Staff mark payments and view balances; margins and reports stay owner-only.
- Clean audit trail
Does it keep a tamper-proof, timestamped trail you can show a CA?
Every entry should carry who, what and when — clean enough that reconciliation and GST filing stop being a monthly argument.
Accountune
Every entry carries who, what and when — clean enough for reconciliation and GST filing.
Compiled from feedback from 12,000+ Indian business owners who moved to digital payment tracking between 2022–2026 · Accountune Research.
Verified customer reviews
What business owners say about Accountune
4.9
4.9/5 rating · Trusted by 12,000+ Indian businesses
4.9/5 rating · 12,000+ Indian businesses on Accountune. Quoted reviews are from real customers, reproduced verbatim; identities and cities verified at the time of writing.
Reminders → payments on time
“Receivables sambhalna pehle sirdard tha. Accountune ke baad jo reminders apne aap chale jaate hain, usse payments time pe aane lagi aur cash flow tension kaafi kam ho gaya.”
Rahul SharmaJaipurVerifiedAll dues in one place
“Pehle pending payments ek register mein, kuch WhatsApp pe, kuch yaad — pura bikhra hua. Ab sab ek jagah dikhta hai aur follow-up karna easy ho gaya hai.”
Neha VermaIndoreVerifiedPaid vs overdue at a glance
“Dashboard pe ek nazar mein pata chal jaata hai kya paid hai, kya pending, kya overdue. Galtiyan kam ho gayi aur team ka time bachta hai.”
Arvind PatelSuratVerifiedEvery transaction tracked
“Software simple hai, par kaam ka hai. Har transaction track ho jaata hai, isliye paisa kahan atka hai ye hamesha clear rehta hai.”
Priya NairKochiVerifiedPending payments under control
“Pehle pending payments track karna mushkil tha, par Accountune ke baad sab seedha ho gaya. Reminder system aur reports roz kaam aate hain.”
Aman GuptaLucknowVerifiedNo missed follow-ups
“Accountune se har payment ka record proper milta hai. Ab follow-up miss nahi hote aur cash flow bhi pehle se behtar chal raha hai.”
Kunal MehtaAhmedabadVerified
Pricing
Payment tracking included — from ₹799/year
Every plan includes receivables and udhaar tracking, automatic WhatsApp reminders, reports and cloud backup. Growth adds unlimited invoices and multi-user access; Pro supports unlimited users and unlimited invoices.
Free
For Getting Started
₹0/yr
+ taxes
- Upto 100 Invoices
- 10 E-Way Bills
- Expenses, Receipts & Payments
- All Financial Reports
- Activity Logs
- Only 1 User
Mobile Light
Perfect for Mobile only Users
₹799/yr
+ taxes · ≈ ₹67/month
- Upto 2 Users (Admin + 1 User)
- Upto 2000 Invoices
- Bar Code, Categories & Secondary Unit in Item
- No Accountune Branding
- GST Reports
Starter
Perfect for Getting Started
₹1,849/yr
+ taxes · ≈ ₹154/month
- Everything in Free +
- Upto 2 Users (Admin + 1 User)
- Upto 2000 Invoices
- Bar Code, Categories & Secondary Unit in Item
- No Accountune Branding
- GST Reports
Growth
Perfect for Growing Businesses
₹4,499/yr
+ taxes · ≈ ₹375/month
- Everything in Starter +
- Upto 5 Users (Admin + 4 Users)
- Upto 10,000 Invoices
- Audit Trail
- TDS Reports
- Priority Support
Three yearly plans — Lite ₹799, Growth ₹1,849, Pro ₹4,490. Every plan includes receivables & udhaar tracking, automatic WhatsApp reminders, reports and cloud backup · 4-day free trial, no card · 7-day money-back · Free migration.
FAQ
The payment-tracking handbook
Type a keyword or pick a category. Everything a business owner asks before signing up is one keystroke away.
14 answersUpdated Q2 2026
- Getting started
What is payment tracking software and how does it work?
Payment tracking software records what each customer owes you, watches it until the money arrives, and reminds them along the way. In Accountune, every credit bill automatically becomes a due against that customer; when they pay — fully or partly — you mark it and a live running balance updates instantly. It also tracks money you owe suppliers, so you see both sides of your cash position in one place.
- Getting started
Does Accountune work for a business that is not GST registered?
Yes. Accountune handles both GST and non-GST billing from the same screen, and payment tracking works the same either way — every credit sale becomes a tracked due regardless of tax status. When you register for GST later, your customers, balances and history carry over with no migration.
- Getting started
What does payment tracking cost in Accountune?
Payment tracking is part of Accountune, which starts at ₹799 per year — roughly ₹66 a month — on the Lite plan, with udhaar/receivables tracking, reminders, reports and cloud backup included. Growth (₹1,849/year) adds unlimited invoices and multi-user access; Pro (₹4,490/year) supports unlimited users and unlimited invoices. No per-transaction charges.
- Getting started
Is there a free trial?
Yes — a 4-day free trial with full access to every feature, no credit card required. Import your current dues during the trial so you're testing it on your real numbers from day one. When the trial ends, you pick a plan or the account pauses with all data preserved.
- Receivables & reminders
How does Accountune track outstanding payments and udhaar?
Each customer has a running balance built from their bills and payments. You see the total owed to you across everyone, plus a per-customer figure with full history — who paid what, and on which date. Nothing depends on a diary or memory.
- Receivables & reminders
Can it send automatic payment reminders on WhatsApp?
Yes. Set a reminder schedule once and Accountune sends polite, branded messages with the amount and bill details to customers who have a balance — so following up doesn't depend on you making an awkward call.
- Receivables & reminders
How does it show my total outstanding and aging without manual calculation?
Your dashboard shows one live figure for total money owed to you, and an aging view that ranks dues by how long they've been pending. The customer sitting on your money for 90 days is impossible to miss — no adding up diary pages at month-end.
- Payments & customers
How does it handle partial payments and advances?
Cleanly. Record a part-payment, an advance against future orders, a discount or a write-off, and the customer's balance adjusts to the rupee. The full history stays intact for reconciliation.
- Payments & customers
Can I record payments by cash, UPI and cheque separately?
Yes. Each payment is recorded with its mode — cash, UPI, cheque or bank transfer — and matched to the bill it clears, with a timestamp. At month-end every receipt has a clear home.
- Security & devices
Can counter staff record payments without seeing my profit data?
Yes. Role-based access lets staff mark payments and view balances without seeing your margins or full business reports. The ledger stays shared; the sensitive numbers stay private.
- Security & devices
What happens to my payment data if my phone is lost or stolen?
Your data lives in the cloud, not only on the device. Lose the phone, log in on another, and every balance and payment history is exactly where you left it.
- Security & devices
Which devices does it work on, and does it work offline?
Accountune runs on phone, tablet and computer, so you can record a payment or check a balance from anywhere. Core billing keeps working when the internet drops and syncs once you're back online.
- Payables & compare
Does it also track money I owe to suppliers, and the 45-day / Section 43B(h) rule?
Yes. Accountune tracks payables and their due dates alongside your receivables. Under Section 43B(h) (effective FY 2024-25), not paying a registered micro/small supplier within 45 days adds that amount to your taxable income — so Accountune flags those due dates to help you keep the deduction. (Confirm specifics with your CA — this isn't tax advice.)
- Payables & compare
How is this different from a khata app like Khatabook, or from Vyapar?
A khata app mainly records who owes you. Accountune does that and connects it to GST billing, inventory, supplier payables and proper reports — so payment tracking isn't a separate silo but part of how the whole business runs. Compared with Vyapar, owners tell us the reminders, reconciliation and reporting feel less manual day to day; the best test is your own data during the free trial.
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Solutions tuned to your industry
Each industry comes with its own preset items, taxes and templates — so day-one feels like day-thirty.
Electronics Store
Trust on every device sold
- Track serial numbers
- Manage warranty details
- Models & variants-wise stock
Retail Shops
Counter-speed billing
- Touch-friendly billing for counters
- Barcode scan for instant lookup
- Cashier roles with cost-price hide
Wholesalers
Move volume, control credit
- Bulk pricing & quantity discounts
- Route plans and credit limits
- Party-wise outstanding ledger
Medical Stores
Stay compliant, cut wastage
- Batch and expiry tracking
- HSN auto-fill from molecule
- FEFO sales suggestions
Hardware Stores
Bill rods, sheets and packets right
- Multi-unit pricing (kg, ft, packs)
- Vehicle-fitted GST e-way bills
- Mixed-rate billing on one invoice
Kirana Stores
Everyday neighbourhood billing
- Loose items by weight
- Daily credit ledger per customer
- Mobile billing for fast counters
Garment Store
Size, colour, season — never out of stock
- Size × colour matrix stock
- Seasonal collection cycles
- Variant-level reorder alerts
Footwear Store
Every pair, every size, tracked
- Pair-based inventory
- Size-run management
- Brand-wise margin reports
Small Manufacturers
From raw inputs to finished value
- Raw material tracking
- Bill of materials (BoM)
- Finished-goods costing
Ready to switch?
Redefine business accounting
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.