Compare maaya.works vs OkCredit
vs
From knowing who owes you to knowing exactly where you stand.
OkCredit made chasing dues effortless for millions of shops. maaya.works is the step beyond the credit list: full double-entry books and an AI team that drafts your entries, invoices and follow-ups — so you see the whole picture, not just the receivables column.
Free forever for single users · Real GST books · Always current
If tracking credit is all you need, keep OkCredit.
We mean it. Two rows below go to OkCredit, and we will tell you plainly when not to switch.
Side by side
The honest scorecard
Two different jobs: track who owes you, versus know where the whole business stands.
What it is
The product
Full double-entry books + an AI team to keep them
A digital customer credit (udhaar) tracker
What you know
What you can see
Full profit, dues, taxes, position — a complete picture
Who owes you and how much — receivables only
GST and statutory
GST, HSN, TDS, e-invoice native, India-hosted
Focused on informal credit tracking, not statutory compliance
Who does the work
Daily entry
An AI team drafts bills, invoices and follow-ups — you approve
You note each credit and payment by hand
The ledger
Append-only, immutable — provenance on every entry
A running credit list
Where OkCredit leads
Simplicity for tracking credit
A full platform — more than a credit app
Dead simple, free, phone-first
Automated payment reminders
AI-drafted follow-ups on full invoices
One-tap SMS reminders to customers about their dues
Credit where it is due
What OkCredit got right
maaya.works is the next chapter, not a replacement for a shop that is happy.
what okcredit got right
Made the follow-up effortless
OkCredit removed the awkwardness and friction of chasing dues — a tap sends a polite reminder. For a small shop where every collection matters, that simplicity has real, practical value.
what okcredit got right
Replaced the paper diary at scale
Millions of small Indian businesses moved from paper credit registers to phones with OkCredit. That transition — bringing informal credit management into the digital era — is a genuinely useful thing to have done.
what okcredit got right
Free and phone-first
No cost, no setup, works from a phone — OkCredit is accessible to the smallest shop with the simplest needs. That accessibility matters.
Know the moment
When a credit app is not enough
Three signs you are ready for real books.
01
Dues are only part of the picture
Knowing who owes you is useful. Knowing whether the business is profitable, what your taxes owe, and where your cash position actually stands — that requires real books. When you need the whole picture, a credit app stops being enough.
who owes me → where I actually stand
02
GST and filing have arrived
A credit list does not prepare you for a GST return or a CA audit. maaya.works keeps GST-native double-entry books with an append-only trail your CA can work with directly.
informal credit list → GST-ready accounts
03
You want the work done, not just tracked
OkCredit records what happened. maaya.works drafts what needs to happen — bills, invoices, follow-up reminders — and posts them with your approval. The AI team does the work; you review.
you record it all → a team does the work
No spin
Where OkCredit still wins
For the smallest shops, these are real reasons to stay.
simplicity
The simplest way to track udhaar
For pure credit tracking — who owes what and sending a reminder — OkCredit is excellent and free. maaya.works does far more; if more is not what you need, less is better.
one-tap reminders
Instant one-tap SMS follow-ups
OkCredit's one-tap reminder to a customer is extremely fast and simple. maaya.works drafts full follow-up messages on invoices — slightly more involved, but tied to real invoice data.
free and simple
Completely free, phone-only
OkCredit is free for core features and works purely from a phone. maaya.works is free to start for single users and works from any device with internet.
Honest advice: if you simply track udhaar, stay on OkCredit. Come to maaya.works when you need the full picture — profit, GST, position — with the work done for you.
No pressure
Graduate when you are ready
Three low-risk steps. OkCredit keeps running.
1
Start free in minutes
Open maaya.works with one field, no card. Keep noting credit in OkCredit while you look around.
2
Let the AI team keep real books
Point your first AI-hire at bill entry or invoices. It drafts; you approve — and proper double-entry books build underneath.
3
Graduate when you are ready
Move fully to maaya.works the day OkCredit stops telling you what you need to know.
Who is behind it
Built by a team that has shipped enterprise software for 15 years
maaya.works is built by Maaya Software Solutions Pvt Ltd — 15 years of enterprise software from Chennai, serving 453+ businesses across 13 countries. The same people now stake their name on your books.
Append-only ledgerApproval-gated AIHosted in India (ap-south-1)GST · e-invoice ready
Straight answers
Outgrowing OkCredit — common questions
I just track customer credit. Should I switch?
Not yet, if that is genuinely all you need — OkCredit is excellent and free for exactly that. maaya.works is for when you need real double-entry books, GST compliance and an AI team doing the work. Come back when you have outgrown the credit app.
How is maaya.works different from a credit app?
A credit app tracks who owes you. maaya.works keeps full double-entry books with an AI team that drafts your entries, invoices and follow-ups for your approval — on an append-only ledger your CA can use for GST and filing. Credit is one small part of what it does.
Can I keep using OkCredit in the meantime?
Yes. Keep noting udhaar in OkCredit, start maaya.works free, and let the AI team build proper books alongside. Move over fully whenever you are ready.
Does maaya.works send payment reminders too?
Yes — the AI team drafts payment follow-up messages for you to approve and send, tied to real invoice data. They are more involved than a one-tap SMS but carry the full invoice context.
Is it really free to start?
Free forever for single users, no card to begin. You pay only as you add AI capacity and grow.
Beyond the credit list.
Start free and let an AI team build real, GST-ready books underneath you — so you know the whole picture, not just who owes what.
Free forever for single users · Real books, not just a credit list