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Karny
A free digital credit book app for small merchants to record customer and supplier debts, send WhatsApp or SMS reminders, and export transaction reports.
Karny Product Overview
Is Karny Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Small shop owners
- Market stall sellers
What It Does Well
- Tracks customer debts
- Tracks supplier debts
Things to Check
- Morocco-only use
- Report export format
About 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.
Karny Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
As of Oct 5, 2026, Karny is rated 3.6 on Google Play from 6.6K reviews with 500K+ installs.
Recent Reviews for Karny
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Karny Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataKarny has 1 recorded funding event. The latest was Merger / Acquisition in Aug 2021.
- Total Raised:
- Undisclosed
- Latest Round:
- Merger / Acquisition
Karny Investors & Funding Rounds
Acquired by Chari in 2021
Frequently Asked Questions About Karny
Karny is a free digital credit book app that helps you track and manage credit and debit transactions with your customers and suppliers. It allows you to record transactions securely, send payment reminders via WhatsApp, generate PDF reports of transaction history, and includes a built-in calculator for calculating transaction totals.
Karny is completely free with no purchase or subscription fees.
Karny operates in Morocco
To sign up for Karny, open the app and enter your phone number to receive a verification code, then input the code to access your account.
Yes, Karny is available on Android. Get Karny on Google Play for Android.
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