Fast cart-based till with keyboard + barcode scanner input.

Automatically calculates 15% VAT, prints SARS-compliant tax invoices when your business is VAT-registered.

Cash, card, EFT, credit, SnapScan, mixed — all captured per sale.

Sell rice / meat / fruit by kg or g with typed weight input; volumes in L or ml.

One-tap reverse a sale, stock goes back to inventory, receipt annotated.

Quick-add line items not in inventory (extra services, one-off products).

Sell airtime and data as inventory; PINs dispensed FIFO with one-time voucher modal for the cashier to read to the customer.

Sell a combo (e.g. bread + milk + eggs breakfast pack) as one line; component stock decrements automatically.

Print receipts to any ESC/POS Bluetooth printer from Chrome on Android or a computer. Stoki remembers your printer, and Settings has a test print.

Full product catalogue with cost, price, VAT flag, reorder point, expiry date.

Every restock captures unit cost + supplier; feeds the P&L and supplier-scorecard AI insight.

Suggested order quantities from your last 28 days of sales and each supplier’s lead time, rounded up to whole packs and grouped by supplier, with a warning below the supplier’s minimum order.

For makers: build a product’s cost from raw materials, offcut waste and labour, then record a batch — materials come off stock and the finished goods go on at their true cost. Materials used count as demand on the reorder screen.

Record damaged / expired / stolen stock separately from sales for accurate margin analysis.

Dashboard pill turns orange for expiring stock (7 days) and red for expired.

Physical count with live variance preview and P&L impact; audit trail of stocktake_lines captures cost-per-unit at count time.

Import your existing product list from any spreadsheet.

Flip every product between VAT-inclusive and VAT-exclusive pricing in one action.

Phone camera doubles as a barcode scanner via html5-qrcode; matched SKUs auto-add to cart.

Track who owes what on their tab; one tap opens WhatsApp with a friendly reminder already written.

Cashier records partial payments at the till; balance updates instantly.

SARS-compliant tax invoices with per-store sequential numbering, aging buckets, payment recording.

Send a numbered quote on WhatsApp or email; when the customer accepts, turn it into an invoice in one tap with the same lines and prices.

Correct an issued invoice the way SARS expects: credit the whole invoice, some lines, or an agreed discount, with a reason. The VAT comes off that month’s VAT201.

Formal customer records with tax numbers, payment terms, billing addresses.

Current / 30 / 60 / 90+ day aging report across every open invoice.

Import your bank CSV, matched credits auto-apply to open invoices.

Categorised expense entry with capital-vs-operating flag for VAT201 block 14 vs block 15 accuracy.

Rent, salaries, subscriptions auto-post monthly via cron.

Track what you owe each supplier with 30 / 60 / 90+ day aging.

Turn a reorder into a PO, track expected delivery, and receive against each line. Received stock and weighted-average cost price update automatically. Repeat any past order in one tap. No signal? Orders are saved on your phone and created when you’re back online.

See what each supplier charged you per unit for the same product over the last six months, who’s cheapest, and what switching would save. Your buying data, never shown to a supplier.

Send a PO to your supplier on WhatsApp with the full order in the message. The supplier can confirm, propose changes or decline on a no-login order page, and you accept or reject any change. Cancel an order and Stoki drafts the WhatsApp telling them not to deliver.

Fridges, vehicles, tills tracked with monthly straight-line depreciation flowing into P&L.

FNB / Standard / ABSA / Nedbank / Capitec CSV import with confidence-scored matching.

Auto-generated block 1-15 worksheet ready to paste into SARS eFiling.

Native SA payroll with EMP201 export, payslips per employee, monthly cycles.

Estimated provisional payments based on your trailing sales + expenses + taxpayer type.

Monthly straight-line depreciation posted from the fixed asset register.

CSV / XLSX exports formatted for Xero / Sage / QuickBooks / Pastel import.

Ask the AI anything about your store, sales, cash flow, or the SA economy in whatever way is natural.

Kasi / Plain / Professional / Technical — one setting changes how every AI surface (advisor, monthly report, alerts, explain-line-item) talks to you.

Every factual claim uses tool calls to pull real numbers from your store; the AI cannot invent revenue or debtors.

Answers reference the current SARB repo rate, CPI and USD/ZAR (refreshed daily from the SARB) and inland and coastal fuel prices (refreshed twice a month after each adjustment).

AI-written 4-6 sentence recap of your month, delivered 07:00 SAST on the 1st via in-app alert + web push.

Nightly cron detects revenue swings and expense-category spikes vs a rolling baseline; AI writes the explanation in your tone.

One-tap "Ask AI" on any sale / expense row opens the advisor with the transaction pre-loaded as context.

Profit and loss for any period (this or last week / month), VAT owed, open invoices and supplier bills, and a cash outlook — "can I cover this month's bills?" — from the same numbers as your reports.

Managers, cashiers and your accountant can use the advisor too. Your accountant can ask anything but change nothing; cashiers don't see the books.

Optional invested-capital entry unlocks a return-on-invested-capital answer + monthly recap line.

Photograph a delivery note or supplier invoice; AI reads the supplier, lines and VAT, checks the arithmetic, and flags a slip already captured. You confirm each line, then stock and cost prices update.

Web Speech API captures voice questions on the /advisor page.

Send "how is business?" or "sold 5 bread" to your Stoki number and get an answer / logged sale in seconds.

Overdue debtors nudged on WhatsApp automatically, at most every 3 days, once Meta approves the message template. Until then, send reminders in one tap from the credit book.

Send Meta-templated marketing messages to opted-in B2B customers.

Speak your question into WhatsApp and Stoki answers. For now the bot asks you to type it instead.

Same monthly recap delivered as a WhatsApp message once we register the Meta template.

Yesterday's takings + today's low-stock alert + best seller.

Rain + a spike in umbrella / snack sales history? Push before you open.

Fuel prices change on the first Wednesday of the month; a push that morning reminds you to get fresh supplier quotes before delivery costs follow.

Dashboard card 7 days before Older Persons / Disability / Children's grants — weekend + public-holiday-shifted.

A product's margin drops below 10% — daily push.

No sales in 30 days on a product with stock — weekly nudge.

Sales history says you get a spike on payday? Push 3 days before.

Turnover approaching R1m VAT-registration threshold? Weekly push.

Cash-on-hand vs upcoming committed expenses — nudge if the gap turns negative.

Up to 3 stores on Business; unlimited on Enterprise. Separate ai_tone / VAT status / cash float per store.

Owner, manager, cashier roles with per-action role guards enforced server-side.

Invite your bookkeeper to see invoices, VAT, payroll and reports and export them, with read-only access enforced by the database: they can’t change a thing.

See who changed what and when: invoices, prices, payroll, team roles. Recorded by the database for every change, including automatic ones.

Roll up sales, stock, P&L across every shop.

Cashiers see only the till + credit book + basic reports; back-office tools hidden.

Sale queue during Wi-Fi drops / load-shedding; syncs when you're back online.

One-click download of every record we hold on you — Section 23 right of access, honoured natively.

Every screen — selling, stock, credit, invoices, reports, payroll, settings — in isiZulu. Pick it on the sign-in screen or in Settings; the AI advisor answers in it too, and the WhatsApp bot replies in the language you write in. Alerts, phone notifications, dates and printed receipts and invoices follow your language too, with the words “tax invoice” kept alongside for SARS.

Native light/dark toggle in Settings, respects OS preference.

Priced in South African Rand — no forex fees, no USD anchor.