Track every qist & installment with confidence.
From customer agreement to final payment — manage installment plans, automate reminders, track collections, and recover overdue payments. Built for Pakistan's qist-based businesses.
Features
Everything you need to manage installments.
Flexible Plan Creator
Create custom installment plans — define number of months, amounts, due dates, and mark-up. Supports 3, 6, 12, 18, or 24 month durations with flexible down payment options.
Customer & Guarantor Management
Store CNIC copies, photos, addresses, references, and guarantor details. Complete KYC for every installment customer with document uploads and verification.
Auto Payment Reminders
Automated SMS and WhatsApp messages before due dates. Escalation reminders for overdue payments sent to both customer and guarantor automatically.
Overdue & Recovery Management
Color-coded overdue dashboard shows 1-15 day, 15-30 day, and 30+ day defaults. Assign recovery tasks, log follow-ups, and track dispute resolutions.
Collection Agent Tracking
Assign overdue accounts to field agents. Track visit logs, GPS check-ins, and collection receipts. Performance dashboard for each agent with recovery rates.
Financial Reports & Analytics
Receivables aging, collection reports, profit analysis, branch-wise performance, and cash flow forecasting. Export to Excel or view on interactive dashboards.
Who It's For
Built for Pakistan's Qist Businesses
Whether you sell electronics on installment or furniture on easy qist — this system handles it all.
Electronics Shops
TVs, ACs, refrigerators, washing machines — track every appliance sold on qist with CNIC-based records and monthly collection schedules.
Furniture Stores
Bedroom sets, sofas, dining tables — manage large-ticket furniture installments with flexible 6 to 24 month plans and guarantor tracking.
Mobile Phone Shops
iPhones, Samsung Galaxy, Xiaomi — sell smartphones on easy installments. IMEI tracking, post-dated cheque management, and auto reminders.
Motorcycle & Auto Dealers
Honda, Yamaha, United — manage bike and vehicle installment plans with registration tracking, insurance links, and recovery protocols.
Appliance Stores
Generators, UPS, solar panels, water purifiers — track high-value appliance qists with warranty integration and service reminders.
Jewellery Shops
Gold sets, wedding jewellery — manage precious item installments with weight tracking, gold rate adjustments, and secure ledger records.
Why LogicRacks
What Makes Our System Different
Purpose-built for Pakistan's installment market — not a generic CRM with qist features bolted on.
CNIC-Based Tracking
Every customer identified by CNIC. Duplicate detection, blacklist checks, and credit history across all your branches.
Auto WhatsApp Reminders
Payment reminders sent via WhatsApp 3 days before due date. Escalation messages to guarantors for overdue accounts.
Guarantor Management
Store guarantor CNIC, photos, and contact details. Auto-notify guarantors when payments are missed for 15+ days.
Collection Agent App
Mobile app for field agents — view assigned accounts, record payments on-the-spot, capture GPS check-ins, and upload visit photos.
Overdue Alerts
Instant alerts when payments are missed. Color-coded dashboard shows 1-day, 7-day, 15-day, and 30+ day overdue buckets.
Multi-Branch Support
Manage all branches from one dashboard. Branch-wise reports, inter-branch transfers, and centralized customer database.
Getting started
Customer Agreement
Create plan with CNIC, product details, guarantor info & payment schedule
Down Payment
Record advance payment, generate receipt & hand over product to customer
Monthly Collection
Track each installment — cash, bank transfer, JazzCash or EasyPaisa
Auto Reminders
SMS & WhatsApp alerts before due dates and follow-ups for overdue payments
Plan Completion
Final payment confirmation, ownership transfer & plan closure with full history
Pricing
Pick a plan.
No hidden charges, no per-transaction fees. Pick the plan that fits your business.
Starter
PKR 8K/month- Up to 100 active plans
- 1 branch, 3 users
- Customer & CNIC management
- Payment ledger & receipts
- SMS reminders (500/mo)
- Basic reports
- Phone & WhatsApp support
Business
PKR 17.6K/month- Up to 500 active plans
- 3 branches, 10 users
- Guarantor management
- WhatsApp + SMS reminders
- Collection agent app
- Recovery dashboard
- Advanced analytics
- Excel import/export
Enterprise
PKR 40K+/month- Unlimited active plans
- Unlimited branches & users
- Custom workflows & rules
- API & ERP integration
- Dedicated account manager
- Custom reports & BI
- On-premise option available
- Priority 24/7 support
What clients say
“Pehlay hum register mein qistain likhte thay, aur mahina bhar yaad nahi rehta tha ke kis ka paisa aana hai. Ab system khud WhatsApp reminder bhej deta hai — recovery rate 70% se 93% ho gayi hai. Bohot zabardast software hai.”
“Humari 3 branches hain furniture ki — pehlay har branch ka alag register tha. Ab ek dashboard se sab kuch nazar aata hai. CNIC se customer ko search karo, puri history samne. Meri team ki productivity double ho gayi.”
“We sell 200+ motorcycles on installment every month. The collection agent app changed everything — agents mark payments from the customer's doorstep, GPS verified. Overdue recovery improved by 40% in the first quarter.”
Questions
Before you ask.
How much does qist software cost in Pakistan?
Instalment System is billed monthly with no hidden fees: Starter PKR 8K/month, Business PKR 17.6K/month and Enterprise PKR 40K+/month. We confirm the right plan for your business on a free demo.
Can I create custom installment plans with different durations and amounts?
Yes, absolutely. You can create plans with any duration — 3, 6, 12, 18, or 24 months. Each plan can have a custom down payment amount, monthly installment, and mark-up percentage. You can also create unequal installment plans where different months have different amounts.
How does CNIC verification work?
When you create a new customer, you enter their CNIC number. The system checks for duplicates across all branches, flags blacklisted CNICs, and shows any existing plans linked to that CNIC. You can also upload front and back photos of the CNIC card for record keeping.
What happens when a customer misses a payment?
The system automatically marks the payment as overdue and triggers escalation reminders via SMS and WhatsApp — first to the customer, then to the guarantor after a configurable delay. The account appears on the overdue dashboard with color-coded urgency levels, and can be assigned to a collection agent for follow-up.
How does guarantor management work?
Each installment plan can have one or more guarantors. You store their CNIC, photo, phone number, address, and relationship to the customer. If the customer defaults, the system can automatically send reminders to the guarantor. Guarantor records are linked across plans, so you can see how many plans one person is guaranteeing.
Can I import existing installment plans from Excel?
Yes. We provide a standard Excel template where you can fill in customer details, plan amounts, paid installments, and remaining balances. Our team helps you import everything during setup — typically within a few hours, even for thousands of plans.
Does it support JazzCash and EasyPaisa payments?
Yes, you can record payments received via JazzCash, EasyPaisa, bank transfer, cash, or cheque. Each payment method is tracked separately in reports. We're also working on direct payment gateway integration so customers can pay their installments online via a payment link.
Can I use this for multiple branches?
Yes, the Business and Enterprise plans support multi-branch operations. Each branch has its own dashboard, but the admin can see all branches from a centralized view. Customer CNIC lookups work across all branches, preventing one customer from taking multiple plans at different locations without your knowledge.
Which is the best qist/installment software in Pakistan?
LogicRacks Qist Management is among Pakistan's leading installment software with 160+ shops using it for electronics, furniture, motorcycles and appliance qist sales across Karachi, Lahore, Faisalabad and Multan.
Can it send automatic WhatsApp payment reminders?
Yes, automatic WhatsApp and SMS reminders are sent 3 days before due date, on due date and after each missed payment until recovery.
Does it support collection agents in the field?
Yes, the collection agent mobile app shows route plans, pending recoveries, customer location, payment receipt printing and real-time cash deposit tracking.
Book a free demo.
See Instalment System running with your own data. We set it up, move your records in and train your staff.