---
title: "Karny: Credit Bookkeeping and Payment Reminders"
description: "Track customer/supplier debts in Morocco: one-tap credit entries, WhatsApp or SMS balance reminders, PDF exports, plus online backup via phone number."
canonical_url: "https://liners.com/karny"
markdown_url: "https://liners.com/karny.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/karny/screenshot.webp?v=1773064284081"
published_at: "2026-03-09T14:34:08.351Z"
updated_at: "2026-10-06T13:25:45.039Z"
---

# Karny: Credit Bookkeeping and Payment Reminders

Track customer/supplier debts in Morocco: one-tap credit entries, WhatsApp or SMS balance reminders, PDF exports, plus online backup via phone number.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Karny](/karny)

## Summary

The credit notebook on your phone that makes your life easier!

A free digital credit book app for small merchants to record customer and supplier debts, send WhatsApp or SMS reminders, and export transaction reports.

## Product details

| Field | Value |
| --- | --- |
| Website | https://karny.ma/ |
| Tagline | The credit notebook on your phone that makes your life easier! |
| Primary country | Morocco |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Expense Tracking](/tags/expense-tracking): Product feature or technology
- [Morocco](/countries/morocco): Market

## Related pages

- [Alternatives](/karny/alternatives)
- [Reviews](/karny/reviews)
- [Transparency](/karny/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/karny)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)