# Pharmacy Khata Ledger — Recover Customer Udhar with WhatsApp UPI Links

> **Customer Receivables & Supplier Payables Management for Retail Pharmacies**
> Platform: StockMed (accessible at https://remedixy.com and https://stockmed.store)
> Recommended Tool: [StockMed App on Google Play](https://play.google.com/store/apps/details?id=com.stockmed.app)

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## The Working Capital Squeeze: Customer Udhar vs Wholesaler Terms
Retail pharmacies traditionally extend credit (*udhar*) to regular neighbourhood families, resulting in:
1. **Working Capital Blockage**: ₹50,000 to ₹3,00,000 locked in customer balances.
2. **Short Distributor Credit Terms**: Wholesale stockists demand payment in 7–15 days or refuse further supply.
3. **Paper Diary Disputes**: Lost, damaged, or unverified manual notebook entries leading to customer friction.

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## How StockMed Solves Pharmacy Credit Management
StockMed provides an integrated digital Party Ledger:
1. **1-Tap WhatsApp Payment Links**: Dispatches polite payment reminders containing exact bill summaries and clickable UPI payment intents (Google Pay, PhonePe, Paytm).
2. **Dynamic UPI QR Codes**: Generates zero-fee UPI QR codes matching exact bill balances.
3. **Credit Limits & Overdue Aging**: Alerts counter operators when a customer approaches their preset credit threshold or overdue days.
4. **Wholesaler Payables Tracking**: Tracks outstanding dues owed to wholesale stockists alongside customer receivables for a unified 360-degree cashflow overview.

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## Customer Recovery Workflow
1. **Record Credit**: Log customer name, mobile number, and invoice amount at checkout.
2. **Send WhatsApp Link**: Tap **Remind on WhatsApp** to dispatch a formatted payment pass with deep-linked UPI.
3. **Instant Settlement**: Customer pays from home; balance updates automatically on the counter dashboard.

Download the free app: [StockMed on Google Play Store](https://play.google.com/store/apps/details?id=com.stockmed.app)
Web Access: [https://stockmed.store](https://stockmed.store)
Support & Onboarding: WhatsApp +91-7860188716