What is Karny and how does it work?

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.

How much does Karny cost?

Karny is completely free with no purchase or subscription fees.

How do I sign up for Karny?

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.

Does Karny have a mobile app?

Yes, Karny is available on Android. Get Karny on Google Play for Android.

Who is Karny best suited for?

Karny is designed for small and medium-sized businesses that make sales on credit, including grocery stores, wholesalers, independent sellers, hardware stores, clothing stores, vehicle workshops, beauty salons, pharmacies, and other retail and service businesses.

How do I contact Karny support?

You can contact Karny support via email at dev@karny.ma or by calling +212 7 08 55 21 15.

Karny: Overview, Features, Pricing & Funding

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Use it on:Web Android· 3.6

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 that the user owns and that is not shared with third parties.