"I go pay Friday." "Add am to my book." "Small small." Every business in Ghana sells on credit: the trader, the farmer who sells to the buyer on market day, the driver, the tailor, the drinking spot. And every one of them has lost money because the book was in someone's head. This is how to keep the book so you always know who owes you what, and get paid.
Written 18 September 2026 for every business in Ghana. Free, no signup.
That is one ordinary week of credit for a small provision shop: three customers, three promises, GH₵ 200 sitting outside your till. If you cannot say those three names right now, this page is for you.
CountMy writes it down and reminds you. Free. Works in English, Twi and Pidgin.
Four things. Not three. Every argument about "you said 40, I said 50" comes from a missing one.
| Write | Why | Example |
|---|---|---|
| The name people call her | "Auntie Ama" is a person you can find. "The woman in blue" is not. | Ama (Kaneshie, sells tomatoes) |
| What she took | You will remember the money faster than the goods; she remembers the goods. | 2 bags of rice |
| The amount in cedis | The number both of you agreed, that day. | GH₵ 120 |
| The day she promised | A promise with no day is not a promise. | Friday, market day |
A provision shop near Makola. Cash in the drawer, MoMo on the phone, and a book for credit. Here is what the credit page looks like after one week, and what happened on Friday.
Swipe sideways to see all columns →
| Day | Customer | Took | GH₵ | Promised | What happened |
|---|---|---|---|---|---|
| Mon | Ama | 2 bags rice | 120 | Friday | Paid 100 Friday, still owes 20 |
| Tue | Kofi (driver) | Oil, sugar | 50 | Tomorrow | Paid Wednesday, MoMo |
| Wed | Esi | Milo, bread | 30 | Market day | Not yet |
| Thu | Yaw | Crate of eggs | 65 | Saturday | Paid in full, cash |
| Sat | Ama | Sugar | 25 | Monday | Added to the 20 she still owes |
Saturday night this shop is owed GH₵ 75: Ama 45, Esi 30. Without the page the owner "feels" it is about a hundred and is angry at the wrong person. With the page it is two names and two numbers, and Ama's 45 is the one to chase on Monday.
Nothing to type. It is saved on your phone first, with a safety copy kept for you, and can be sent to your own WhatsApp.
The day after the promised day, send one WhatsApp message. Written, not spoken in front of other customers, so nobody is shamed and nobody can say "you never told me". Copy these.
| Language | Message |
|---|---|
| English | Good morning Ama, please the 2 bags of rice from Monday, GH₵ 120. You said Friday. Please send it when you can. Thank you. |
| Pidgin | Morning Ama, abeg the rice wey you take Monday, 120 cedis. You talk say Friday. Make you send am when you get. Thank you. |
| Twi (check the wording with your own family; Twi differs by town) | Maakye Ama, mepa wo kyɛw, ɛmo bags mmienu no, cedis 120. Wokaa sɛ Fiada. Mepa wo kyɛw fa bra. Medaase. |
CountMy writes this message for you with the right name and amount and opens WhatsApp with one tap: the "Remind on WhatsApp" button under each debt.
Kejetia, Makola, Kaneshie, Techiman: most credit is promised "on market day" because that is when money comes. Three rules that work:
Since the GRA Modified Taxation Scheme, small businesses are asked to keep a daily sales book that covers cash, mobile money, bank and credit sales, and to declare actual sales for the year by 30 April on a simplified return, paying through *880#. A credit sale is a sale on the day it happens, not on the day you are paid. If your book only has cash, your year's figure is wrong. Which band am I in, and what is my annual sales figure?
Four things: her name, what she took, the amount in cedis, and the day she promised. See the table above.
A short written message the day after the promised date, with the amount and the item. Not in front of other customers.
Write the part and the day. The book must always show what is left. In CountMy: "Ama paid me 100" and the app tells you what remains.
No trader in Ghana stops; credit is how regular customers stay regular. Stop giving credit to the people whose page never gets shorter. You only know who they are if you have the page.
Yes. The daily sales book under the Modified Taxation Scheme includes credit sales, and the annual figure you declare by 30 April is total sales, however you were paid.
Yes. No password, no MoMo PIN, no Ghana Card. Your records are saved on your phone first, with a safety copy kept for you, and can be sent to your own WhatsApp.
Sources: GRA, Modified Taxation; GRA, Modified Taxation Scheme. The week above is an illustration in ordinary Accra prices, not a real customer's record. Questions: message us on WhatsApp.