Every merchant knows the customer who always says “I’ll pay tomorrow.” Extending credit builds loyalty and grows sales, but only when you actually track who owes what.
The trick is to make the record instant and the reminder automatic. Log the debt at the point of sale, set a due date, and let a friendly WhatsApp nudge do the chasing for you.
Merchants who track debts in STOKK consistently tell us the same thing: money they used to write off now comes back. The conversation changes from “do you remember?” to “here’s your balance.”