Everything Stoki does.

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-compatible Bluetooth printer via the browser Web Bluetooth API.

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.

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; WhatsApp reminders on a 3-day cooldown for overdue balances.

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

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

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.

Issue POs to suppliers, track expected delivery, receive against each line.

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 current SARB repo rate, fuel prices, CPI, USD/ZAR — cached daily via a market-indicators pipeline.

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.

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

Snap a supplier invoice or receipt; AI extracts line items and confirms before recording.

Web Speech API captures voice questions on the /advisor page and the WhatsApp bot handles voice notes.

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

Auto-nudge overdue debtors via Meta-approved template with a 3-day cooldown.

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

Speak your question into WhatsApp; Stoki transcribes + answers.

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-price change coming Wednesday? Push Tuesday so you can restock at the current price.

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.

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.

English live; Zulu / Xhosa / Sotho / Afrikaans arriving progressively.

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

Billed in South African Rand via a local payment provider — no forex fees, no USD anchor.