Payment & Credit Management Software Ghana

Mobile money on MTN MoMo, Telecel Cash and AT Money, GhQR merchant scans, GhIPSS Instant Pay and other bank credits, GhanaPay, and notes counted at the counter. The rep picks the rail, types the reference from the confirmation message, and posts the GHS value against whichever invoices that outlet still has open.

The Customers master holds a GHS ceiling for that shop. Cross it and whichever rule you configured takes over: every order stopped, a single order permitted, or the order parked for approval. Breaches travel through Workflow Automation across as many as seven levels.

Every invoice, receipt and credit note is structured so its VAT detail flows into a Certified Invoicing System connected to the Ghana Revenue Authority without anyone re-keying figures, and the way levies are carried reflects the VAT reform that took effect in January 2026. The platform supports that regime; it is not certified under it.

A part-payment can be spread over several invoices. Either let the ledger allocate it automatically or map it line by line. Anything still unmatched rests in the unallocated tray, where finance either adjusts it or carries it onto the next invoice raised for that outlet.

Returns generate them. A secondary return, a primary return, or a claim for damage or expiry lodged by a wholesaler or supermarket account each raises a note written against the GHS invoice behind it, cutting outstanding down, with source and status recorded on the note itself.

Wallet settlements, GhQR takings, bank credits and cleared cheques all sit against receipts already posted. Anything that fails to tie back shows up in the Overdue Ageing and Order-to-Cash reports, and every manual intervention lands in the Credit Override log.

Four GHS cards run across the top: Total Invoices, Outstanding, Collected, Overdue. Below them a table carries Invoice and Customer, then Order and Date, then Status, Payment, Amount and the balance still open. View Full Detail gives you Print, Download PDF and Cancel Invoice.

Yes. Both the Android and the iOS app take the mobile money, GhQR or bank reference and apply it to open invoices while the rep is still standing at the counter. On rural cocoa routes and across the northern regions, where coverage genuinely thins, entries queue on the handset and upload once the device finds a network.