Karny

Karny is a free digital credit book app for small merchants who sell on credit and need a simple way to track what customers and suppliers owe.

Key features include:

• One-tap credit and payment entries for customer and supplier accounts, with clear transaction details to reduce manual errors.
• WhatsApp and SMS reminders that send customers their balance and payment details to support faster debt collection.
• Automatic online backup and recovery tied to the user’s phone number, so records can be restored after a lost or changed phone.
• PDF exports of transaction history for sharing or record-keeping.

Available on Android.

It fits individual shop owners, grocery stores, wholesalers, and artisans who manage informal credit in day-to-day retail and trade.

Notable in Morocco, the app is developed by CHARI.MA and is used by 1,000+ merchants across 30+ cities. It focuses on privacy, with encrypted data that the user owns and that is not shared with third parties.

As of Jun 22, 2026, Karny is rated 3.6 on Google Play from 6.5K reviews with 500K+ installs.