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Improve Recovery Visibility
See due, paid, partial, overdue, promised, and recovered amounts from one dashboard.
Outcome: earlier action on missed payments.One Platformfor customers, qist plans, payments, and recovery
Built for Pakistanwith practical installment-business workflows
Multi-Branch Readywith user permissions and consolidated control
Cloud Accessiblefor authorized teams across desktop and mobile
Business outcomes
Run your installment business with clarity, speed, and control
Replace paper registers, manual balance calculations, and scattered follow-up lists with one connected qist software.
✓
Reduce Manual Work
Automate schedules, balances, reminders, receipts, penalties, assignments, and reports.
Outcome: more productive teams.◎
Keep Customer Records Complete
Store CNIC, contact details, agreements, documents, guarantors, products, and account history.
Outcome: faster service and review.▦
Protect Cash Flow
Track expected installments, actual collections, overdue balances, expenses, and branch performance.
Outcome: better financial decisions.⏱
Standardize Operations
Use repeatable processes for onboarding, payment posting, recovery, approval, and closing.
Outcome: consistent execution.⌁
Strengthen Accountability
Know who created, edited, approved, collected, reversed, or exported each record.
Outcome: stronger internal control.◫
Support Multi-Branch Growth
Give branches local operating access while head office retains consolidated visibility.
Outcome: controlled expansion.⚙
Improve Customer Experience
Send clear reminders, payment confirmations, receipts, and balance information on time.
Outcome: fewer disputes and questions.Core platform
Installment Management Software with everything needed to manage the complete qist lifecycle
Flexible Installment Plans
Create daily, weekly, monthly, quarterly, balloon, stepped, and custom payment schedules.
Benefit: fit different products and customers.Down Payment and Charges
Record advance payments, processing fees, service charges, discounts, and approved penalties.
Benefit: accurate contract totals.Customer and KYC Profiles
Maintain CNIC, contacts, addresses, documents, employment, references, and communication history.
Benefit: complete customer context.Guarantor Management
Store guarantor CNICs, documents, contacts, relationships, exposure, and linked accounts.
Benefit: stronger credit support.Payment Tracking
Post full or partial payments, update balances, issue receipts, and track payment methods.
Benefit: reliable customer ledgers.Automated Reminders
Send pre-due, due-date, overdue, promise, receipt, and payment confirmation messages.
Benefit: consistent follow-up.Recovery Management
Prioritize overdue accounts, assign collectors, track calls, visits, promises, and settlements.
Benefit: controlled recovery operations.Defaulter Management
Segment delinquent accounts by aging, balance, branch, collector, guarantor, and risk.
Benefit: focused collection effort.Multi-Branch Management
Control branches, users, permissions, portfolios, targets, approvals, and consolidated dashboards.
Benefit: scalable operations.Accounts Management
Track ledgers, income, expenses, cash, bank activity, adjustments, and reconciliation.
Benefit: clearer financial control.Online Payment Collection
Connect payment links, gateways, digital receipts, and supported online collection workflows.
Benefit: easier customer payment.Reports and Analytics
Generate installment, collection, aging, branch, customer, staff, account, and performance reports.
Benefit: faster management decisions.How it works
From customer onboarding to complete recovery in four connected steps
1
Create
Add the customer, product, guarantor, documents, down payment, charges, and qist schedule.
2
Track
Monitor every due date, payment, receipt, remaining balance, reminder, and customer interaction.
3
Recover
Prioritize overdue accounts, assign follow-up, record promises, visits, settlements, and guarantor contact.
4
Improve
Use dashboards and reports to strengthen cash flow, branch performance, staff accountability, and growth.
QistBook modules
Every module your installment business needs in one connected system
Choose the modules that match your current operation or use the complete platform. Every module shares the same customer, payment, branch, recovery, and reporting context.
Installment Collection Software
Track scheduled collections, partial payments, overdue balances, receipts, and collector activity.
View Collection SoftwareRecovery Management System
Prioritize overdue accounts, assign recovery work, record promises, visits, settlements, and outcomes.
View Recovery SystemCustomer Management System
Centralize customer profiles, CNICs, documents, communication, accounts, and activity history.
View Customer SystemPayment Tracking System
Monitor due, paid, partial, overdue, reversed, and reconciled installment payments.
View Payment TrackingMulti Branch Management System
Control branches, users, permissions, portfolios, approvals, targets, and consolidated reporting.
View Branch ManagementGuarantor Management System
Manage guarantor CNICs, documents, relationships, exposure, verification, and recovery support.
View Guarantor SystemDefaulter Management System
Segment delinquent accounts, prioritize cases, track promises, visits, guarantors, and settlements.
View Defaulter SystemOnline Payment Collection System
Support payment links, digital collection workflows, online receipts, and connected customer balances.
View Online CollectionAccounts Management System
Connect ledgers, expenses, cash, bank activity, balances, approvals, and reconciliation.
View Accounts SystemInstallment Reporting System
Generate installment, collection, aging, branch, customer, staff, and financial reports.
View Reporting SystemSMS Reminder System
Automate SMS and WhatsApp reminders, due alerts, overdue messages, receipts, and confirmations.
View Reminder SystemAll QistBook Modules
Review the complete connected QistBook module suite for installment operations.
Explore All ModulesBuilt for different installment models
One installment software for businesses selling products, assets, and services on qist
Configure products, fields, schedules, documents, guarantors, recovery rules, branches, and reports around your industry.
Mobile & Electronics ShopsFurniture & Appliance DealersBike & Auto ShowroomsConsumer FinanceMicrofinance InstitutionsEquipment LeasingProperty InstallmentsEducation Finance
Why choose QistBook
Qist software in Pakistan designed around real installment operations
Generic accounting tools and khata apps record transactions, but installment businesses need schedules, guarantors, overdue tracking, recovery ownership, partial payments, reminders, and branch control. QistBook combines these workflows in one practical platform.
- Purpose-built for installment and qist businesses
- Flexible schedules for different customer capacities
- Cloud access with role-based operational control
- Connected payment, recovery, guarantor, and account records
- Responsive workflows across desktop, tablet, and mobile
- Implementation guidance, migration support, and training
Management snapshot
Active installment plans8,460
Due this monthRs 32.8M
CollectedRs 27.4M
Overdue accounts624
Collection efficiency84%
QistBook dashboard highlights
Due and overdue installmentsLive
Customer and guarantor recordsConnected
Branch and collector performanceComparable
Cash-flow and account positionVisible
Recovery and reminder activityUpdated
One management view
See customers, qist schedules, collections, overdue balances, branches, and cash flow
Owners and managers get a portfolio-wide view, while staff see the customers, tasks, payments, and modules relevant to their role.
Filter by date, branch, product, customer, collector, account status, aging stage, or payment method to find operational gaps early.
Automation
Automate routine qist management without losing business control
Schedule Automation
Generate installment dates, remaining balances, penalties, and account status from configured plan rules.
Communication Automation
Trigger SMS and WhatsApp reminders before due dates, after missed payments, and when promises are due.
Recovery Automation
Create priority queues, assign collectors, escalate overdue accounts, and flag broken promises.
Integrations
Connect QistBook with the tools your team already uses
Use supported imports, exports, providers, payment workflows, APIs, and reporting formats to reduce duplicate work.
WhatsApp WorkflowsSMS RemindersOnline PaymentsAccounting WorkflowsExcel & CSVPDF ReportsThermal ReceiptsAPI Access
Security and governance
Protect customer and financial records with controlled access
QistBook supports operational safeguards that help limit access to sensitive customer, payment, recovery, guarantor, branch, and account information according to responsibility.
- Role-based permissions by module and action
- Branch and portfolio access controls
- User activity and change histories
- Controlled approvals, reversals, waivers, and exports
- Secure cloud architecture and backup practices
- Configurable governance and retention processes
Operational safeguards
Permission profilesConfigurable
Audit historyTraceable
BackupsScheduled
Data accessRole limited
Success metrics
Measure the outcomes that matter to your installment business
Collection Efficiency
Compare received amounts with amounts due by date, branch, product, or portfolio.
Overdue Movement
Track balances moving between current, early-stage, and advanced aging buckets.
Cash-Flow Visibility
Review expected inflows, actual collections, expenses, promises, and outstanding balances.
Staff Productivity
Measure customers handled, payments posted, promises created, visits completed, and recoveries.
Branch Performance
Compare collections, overdue accounts, expenses, customers, and operational exceptions.
Customer Account Quality
Monitor incomplete records, missing documents, invalid contacts, disputes, and duplicate profiles.
Customer feedback
Built for the realities of installment businesses across Pakistan
★★★★★
“Customer schedules, payments, reminders, and recovery are finally connected in one place.”
Hassan Mahmood · Owner · Crescent Electronics★★★★★
“Branch managers see their daily work while I retain a complete head-office view.”
Farah Siddiqui · Operations Director · Amanah Leasing★★★★★
“Partial payments and remaining balances are much easier to explain to customers.”
Bilal Sheikh · Recovery Manager · Horizon Finance★★★★★
“WhatsApp reminders and digital receipts have reduced routine customer questions.”
Nadia Aslam · Customer Experience Lead · FinBridge Services★★★★★
“The audit history gives us confidence when reviewing corrections and approvals.”
Usman Tariq · Finance Controller · Metro Equipment Finance★★★★★
“We added products and branches without rebuilding our qist management process.”
Aliya Noor · COO · Summit Installment Solutions
Pricing
Simple pricing for every installment business
Starter
Rs 1,500 /mo
- Unlimited customers & installment plans
- WhatsApp & SMS reminders
- Digital khata & customer ledgers
- Urdu contracts & thermal receipts
- Daily cloud backup
Most popular
Business
Rs 3,500 /mo
- Everything in Starter
- Multi-staff role-based access
- Automatic late-fee (jurmana) rules
- Profit & recovery reports
- IMEI / serial tracking
Enterprise
Rs 7,500 /mo
- Everything in Business
- Multi-shop / multi-branch
- Full audit trail
- 30-day data recovery
- Priority support
Built to support your growth
Learn about QistBook or discuss your installment workflow
Explore the team and product approach behind QistBook, or speak with us about your current process, branches, data, reporting needs, and implementation goals.
Q
About QistBook
Learn why QistBook is being developed around the practical needs of installment businesses in Pakistan.
About Us↗
Talk to Our Team
Share your products, qist process, branch structure, recovery challenges, and reporting requirements.
Contact Us▶
See QistBook in Action
Walk through customer setup, installment schedules, payment tracking, recovery, reminders, and reports.
Schedule a DemoFrequently asked questions
Installment Management System FAQs
What is an installment management system?
It is software for creating installment plans, managing customers and guarantors, tracking payments, sending reminders, controlling recovery, and reporting on outstanding balances.
What is the best software for an installment business?
The best system should match your products, schedules, branches, customer records, payment methods, recovery process, reporting needs, security requirements, and growth plans.
How does QistBook installment management software work?
Add the customer, product, documents, guarantor, down payment, charges, and schedule. QistBook then tracks payments, balances, reminders, recovery, and reports.
Is QistBook installment software available in Pakistan?
Yes. QistBook is designed around the practical workflows of installment and qist businesses operating in Pakistan.
What is online qist software?
Online qist software is a cloud-based system that authorized users can access through the internet to manage installment operations and records.
Can QistBook create daily, weekly, and monthly installment plans?
Yes. Plans can be configured around daily, weekly, monthly, custom, stepped, balloon, or product-specific schedules.
Can it manage customer CNICs and documents?
Yes. Customer profiles can include CNIC, contact details, addresses, agreements, photographs, references, employment information, and supporting documents.
Does QistBook manage guarantors?
Yes. Guarantor profiles can include CNIC, contacts, addresses, documents, relationships, exposure, and linked installment accounts.
Can it track full and partial payments?
Yes. Authorized users can post full or partial payments, update remaining balances, issue receipts, and preserve account history.
Can it send SMS and WhatsApp reminders?
Supported workflows can send pre-due, due-date, overdue, promise, receipt, and payment confirmation messages.
Does QistBook help with installment recovery?
Yes. It can prioritize overdue accounts, assign recovery work, track calls, visits, promises, guarantors, settlements, and recovery outcomes.
Can QistBook manage multiple branches?
Yes. Branches can have separate users, customers, portfolios, permissions, targets, and reports with consolidated head-office visibility.
Does it include accounts and financial reporting?
QistBook can connect receipts, expenses, cash, bank activity, account balances, reconciliation, installment reports, and management dashboards.
Is QistBook suitable for small installment businesses?
Yes. Smaller businesses can use structured customer, schedule, payment, reminder, and recovery workflows and scale as operations grow.
How do I get started with QistBook?
Schedule a demo or free consultation to review your products, data, branches, users, workflows, reporting, and implementation requirements.
See how QistBook can transform your installment business
Bring your current register, spreadsheet, customer forms, products, branch structure, and recovery process. We will show how QistBook can connect the complete qist lifecycle.
Final conversion step
Move from manual qist tracking to a complete installment management system
QistBook installment software gives Pakistani businesses the customer records, payment visibility, recovery workflows, branch control, accounts, reminders, and reporting needed to grow with confidence.