Loyverse Alternative With a Built-In Credit Ledger (Khata)
If you like Loyverse but need predictable pricing as your team grows, SwiftKhata is the alternative to look at. It bundles POS billing, inventory, staff management with payroll, and a built-in khata (customer credit ledger) into one flat $10 per month plan — no per-employee add-ons. The first month is a full free trial with no credit card required.
Where Loyverse's free plan ends
Loyverse deserves credit: its free POS tier is genuinely capable and has helped many small shops go digital. The catch appears as your business grows. As of October 2026, Loyverse charges paid add-ons for the features growing shops need most — employee management at $5 USD per employee per month and advanced inventory at $25 USD per store per month, according to Loyverse's pricing page.
That per-employee model means your software bill rises every time you hire. A shop with four staff members paying for employee management plus advanced inventory can end up spending several times SwiftKhata's flat rate.
The khata: a customer credit ledger
For many shops the bigger question is not pricing — it is the khata. In markets across South Asia, the Middle East, and Africa, selling to regular customers on credit (udhaar) is everyday practice.
SwiftKhata treats the khata credit ledger as a core feature. A credit sale updates the customer's balance automatically, repayments are recorded against it, and the balance lives on the same customer record used for receipts and reports. One system, one source of truth for who owes what.
SwiftKhata vs Loyverse at a glance
| Dimension | SwiftKhata | Loyverse |
|---|---|---|
| Base price | Flat $10/month, all features (free plan with limits) | Free core POS |
| Staff management | Roles, attendance, and payroll included | Paid add-on, $5 USD per employee/month as of October 2026 — check current pricing |
| Advanced inventory | Batches, stock movements, purchase orders, suppliers — included | Paid add-on, $25 USD per store/month as of October 2026 |
| Accounting | Expenses, cash register, profit & loss reports included | Sales analytics: revenue, average sale, and profit (last 31 days on the free plan) |
| Languages | English + Urdu interface | 30+ languages |
| Platforms | Browser on any device; desktop apps for Mac and Windows | Android and iOS apps with web back office |
One flat plan instead of stacked add-ons
SwiftKhata Pro costs $10 per month regardless of how many staff you add. That includes POS billing with barcode scanning and thermal receipts, inventory with batches, purchase orders, and supplier management, the khata ledger, expenses and a cash register, profit and loss reports, staff roles, attendance, and payroll, and multi-location support. Compare plans on the pricing page.
A free plan that never expires
Like Loyverse, SwiftKhata can be used free — but with a different shape. The free plan includes every feature with monthly limits: 10 orders per month, 1 location, 1 staff member, khata for up to 5 customers, 3 suppliers, and 3 purchase orders a month. Nothing is locked behind a paywall; the limits are on volume, not capability, so you can evaluate the whole system before paying anything.
Staff tools that go beyond permissions
Loyverse's employee add-on covers sales tracking per employee, access rights, and time cards. SwiftKhata's staff module goes further for the same flat price: role-based permissions, attendance tracking, and payroll — useful when your cashiers, stock keepers, and managers each need different access and you also want their hours and salaries in the same system as your sales. See everything included on the features page.
Who should choose Loyverse
Loyverse is still the right call for some businesses. If you are a solo operator who will stay solo and only needs basic item-level inventory, Loyverse's free tier may cover you indefinitely at zero cost — that is hard to argue with. Its mobile apps are polished, and cafes with simple menus are a particularly good fit. Choose SwiftKhata when you have (or plan to have) staff or want purchase orders without stacking paid add-ons.
Frequently Asked Questions
Does SwiftKhata charge per employee like Loyverse?
No. SwiftKhata Pro is a flat $10 per month with unlimited staff. Staff roles, attendance tracking, and payroll are all included in the base price, so adding a new cashier or manager never increases your software bill.
What is a khata?
A khata is a customer credit ledger — a running record of what each customer owes from credit (udhaar) purchases. SwiftKhata includes a built-in khata that updates balances automatically on credit sales and records repayments.
Can I use SwiftKhata for free like Loyverse?
Yes. SwiftKhata's free plan includes all features with monthly limits: 10 orders per month, 1 location, 1 staff member, khata for up to 5 customers, 3 suppliers, and 3 purchase orders a month. The first month is also a full unlimited trial, with no credit card required to sign up.
Does SwiftKhata work with barcode scanners and receipt printers?
Yes. SwiftKhata's POS billing supports barcode scanning for fast checkout and prints thermal receipts, and it runs in the browser on any device, with desktop apps available for Mac and Windows.
If your Loyverse bill keeps growing with every hire, start with SwiftKhata free. Your first month is a full, unlimited trial with no credit card required.