Vachan: Business Trust Network

Vachan — the udhaar khata book built for India's traders.

Stop chasing payments on scattered WhatsApp chats and dog-eared bahi khata notebooks. Vachan turns every IOU, receipt, and partial payment into a clean, shareable digital ledger — so you always know who owes you, who you owe, and when the next rupee is due.

Built for kirana wholesalers, cloth merchants, mandi traders, distributors, and every shopkeeper who runs on udhaar.

[A real khata book — for both sides of the trade] Most udhaar apps assume you only lend. Vachan knows a wholesaler is also a buyer. Track money you've given and money you owe — from the same shop profile. One ledger, both directions, net position at a glance.

[One-tap payment reminders (WhatsApp + push)] Tap "Remind" on any overdue transaction. Vachan fires a polite WhatsApp message and a push notification to the buyer, with a 24-hour cooldown so you never spam. No copy-paste, no awkward calls.

[Daily morning summary] Every morning, get a single push: total udhaar outstanding, payments received yesterday, overdue count. Start the day knowing exactly where the hisaab stands.

[Transport / Lorry receipt capture] Snap the receipt or transport receipt while you're billing. It's attached to the transaction forever — no more digging through a drawer when a buyer disputes an amount.

[Shareable acceptance links] Send the buyer a private link. They confirm the udhaar with one tap — no app install needed. The WhatsApp preview shows your shop name, amount, and date, so there's no "main toh bhul gaya" excuse later.

[Payments with full audit trail] Record cash, UPI, bank transfer, or cheque. Every payment moves through pending -> confirmed with a UTR reference, so disputes resolve in seconds.

[Built for Indian businesses] Indian rupee formatting (Rs 1,00,000 not $100,000), Indian date format, Indian phone numbers, GST shop verification — built around how vyapar actually runs in India.

[OTP login, no passwords] Phone-number OTP, JWT-secured. Your data stays private to your shop and your shop members.

Why traders choose Vachan over a paper bahi khata:

Instant udhaar tracking — no manual hisaab kitab

WhatsApp payment reminders that actually get paid

Net balance between you and any party in one tap

Buyer acknowledgement links — proof of every transaction

Daily summary push — your business at a glance

Receipt photos saved with each entry

Multi-shop, multi-member access

Free to use during pilot

Perfect for:

Wholesale traders, distributors, and retailers

Kirana and FMCG suppliers

Cloth, yarn, and textile merchants

Mandi and APMC commission agents

Hardware, electrical, and pipe wholesalers

Anyone running a credit-based small business in India

Built with traders, for traders Vachan is being built feature-by-feature with a small group of pilot wholesalers. Got feedback? Email dev.nsqr@gmail.com — we ship fast.

Download Vachan today and turn your udhaar from a chase into a system.