Receivables the Payment Chase agent has messaged more than once with no useful reply, or where the customer disputed or broke a promise. Highest amount × days overdue first — these are the ones worth a personal call.
Entries
Invoicing Free
Ledger & invoicing
Customer & vendor khata, GST invoicing and ageing, free forever. AI narration on top of these numbers is a Pro feature.
New party
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New ledger entry
Date
Type
Reference
Amount
Balance
Ageing
Current entries against 30/60/90-day buckets, from due dates recorded on each entry.
AI insight on why this party is slipping, available on Pro
New sales invoice
GST-compliant. CGST/SGST or IGST is applied automatically based on same-state vs. interstate. Creating an invoice adds a matching sale entry to that customer's ledger.
DescriptionHSN/SACQtyRateGST %
Preview
Printing & reports
Print or download a ledger statement per party, or view the day book: every entry across every party, chronological.
For a clean PDF, turn off "Headers and footers" in your browser's print dialog.
Day book
Every ledger entry across all parties, most recent first.
Date
Party
Type
Amount
Account
Profile
Your business details and the people on this account.
Snapshots recorded
0
Latest pulse
0
Tracking since
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Account
Read-only. These come from your login.
Email—
Account created—
Business details
Used in your scorecard and your AI briefing.
People on this account
Everyone who can message Margyn on WhatsApp for this business, plus the AR and AP contacts Margyn routes to. Margyn greets each person by name.
Delete account
Soft delete. Your account is deactivated right away, every connector is revoked, and you are signed out. The data purge itself runs later as a scheduled job.
Connections
Where Margyn pulls from
Connectors supplement your uploads, they don't replace them. Keep uploading your full monthly snapshot as usual.
Connect at least one live source today. Findings only reach the Verified tier when two independent sources agree, so a type-only account never sees one. Even one connector changes that.
Sources Connect, reconnect or disconnect each one here
What each source feeds Verified needs two independent sources
More connectors, on the way
GST is next up: it unlocks input-credit reconciliation against your vendors' filings, cross-checked with your books. Bank data via the Account Aggregator framework follows. Tell us what you want to see and we'll prioritize it.
Import
Upload a file or enter figures
An Excel or CSV workbook, or a PDF or photo of an invoice, bill or statement. Margyn shows where each figure goes before anything is saved.
Upload a file
An Excel/CSV workbook, or a single PDF / image — an invoice, a bill, a receipt, a statement. Margyn reads it and shows you where each figure goes before anything is saved.
Core financials. Sets your reconciled cash balance and P&L figures.
Payments & settlement (Razorpay / Shopify)
Optional. Powers the new Payments tab. Simple entry for now; automatic parsing comes from the upload sheet.
Scores
Your Pulse Score
Every point below is arithmetic on your own figures. The AI writes the briefing at the bottom, it never touches the score.
0
Pulse Score
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Show the math
Score over time
Financial indicators
The vitals score × weight = points. Expand a row for what it means and what's behind it.
AI-generated narrative
Executive briefing
Generated from your latest snapshot.
Conversations
Every conversation with Margyn
In the app, on a call or on WhatsApp: one place. Ask anything in plain words, see what Margyn noticed in your books, and pick up any conversation.
New conversation
Grounded in your connected data
Margyn answers from your connected data, and says so when it does not know. It narrates the numbers, it never recalculates them.
Payments
Payment health
Your payment gateways in one place. Razorpay is the primary feed. Cashfree settlements are tracked alongside for cross-checking. Shopify orders are shown for reference and not yet scored.
No payments data yet, showing zero. Upload a Razorpay Settlements sheet or use Quick manual entry to see your real numbers.
Gross processed
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Total payments processed this period.
Net settled to bank
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After MDR, GST on MDR, and refunds.
Settlement velocity
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Avg. days, transaction capture → bank credit.
MDR burden
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MDR + GST on MDR, as % of gross.
Failed payment rate
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Share of attempted transactions that failed.
Avg. transaction value
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Gross processed ÷ transaction count.
Payment method mix
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Concentration risk if your top rail goes down.
Gross settled, last 7 days
₹ per day
Settlement batches
Toggle status
Shopify orders
From last upload · reference only, not yet scored
Cashfree
Settlement reconciliation
Books
Your books, every source
Every accounting source in one place. Where two sources agree on a figure, Margyn treats it as verified and it carries your Pulse Score; where only one reports it, the score still uses it but says so. Disagreements are flagged, never averaged.
Showing every connected accounting source. Margyn never adds these together. For each scoring figure it takes the strongest source available — two that agree beat one, and one connected source beats a number typed by hand — and flags anything that disagrees rather than averaging it.
Sources that disagree
Margyn used the stronger source for the score and left the difference here rather than splitting it. Cash from Tally and Odoo is the books' own bank and cash-in-hand total, with overdraft and cash-credit accounts left out — an interim signal until a bank feed replaces it. If two sources disagree on cash, that gap is usually uncleared items, not an error in either.
Entries you keep by hand or import from a CSV. They count toward your Pulse Score where no connected source reports the same figure.
Zoho Books isn't connected. Connect it under Connections to unlock receivables, payables, GST/ITC leakage and true net margin.
First sync in progress. Margyn is pulling your last 12 months. This can take a few minutes on a busy set of books.
Receivables outstanding
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Unpaid invoices, all ages.
Payables due
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Open vendor bills still owed.
ITC at risk
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Input credit claimed but not vendor-confirmed in GSTR-2B.
Net margin
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From real COGS and opex, not gateway fees.
Working capital runway
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Cash plus near-term receivables, less payables due.
Cash position (books)
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Bank balance per your books, cross-checked against gateway settlements.
What needs attention
Named counterparties, not just totals
Receivables aging
Outstanding by bucket
Overdue customers
Largest first
Vendors putting ITC at risk
Latest filing period
Payment reconciliation
Cross-checked against Razorpay
Straight from TallyPrime, pulled by the desktop agent. Receivables, payables, sales and your bank + cash-in-hand balance all feed your Pulse Score, marked Connected until a second source corroborates them. Overdraft and cash-credit ledgers are excluded from the cash figure.
Open invoices and vendor bills from Odoo Accounting, shaped to match the Zoho view.
Tally isn't connected. Connect it under Connectors to sync your ledgers, transactions and outstanding bills.
Bank + cash in hand
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Feeds Cash Position and Working Capital Runway.
Receivables outstanding
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Unpaid customer bills, all ages. Feeds Receivables Aging.
Payables due
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Open vendor bills still owed. Feeds Payables Due.
Overdue
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Bills past their due date, either side.
Sales, last 30 days
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Sum of sales vouchers dated in the last 30 days.
Receipts, last 30 days
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Cash actually collected in the last 30 days.
Vouchers synced
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Transactions by type
All vouchers pulled so far
Outstanding bills
Most overdue first
Recent transactions
Newest first
Ledger balances
Largest first
Financing
Working-capital readiness
An indicative view built from your own figures. Margyn is not a lender.
Indicative working-capital eligibility
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Indicative only. Blurred until a lending partner verifies your data.
Upload or enter a snapshot to see an estimate.
Get matched with a lender
Express interest and we'll reach out once a lending partner is live.
Automations
What Margyn runs for you
The work Margyn does in the background: payment reminders, reconciliation, reading forwarded documents and the daily Bells. Margyn never edits a figure by itself — it proposes, you approve, and only then does anything reach your books or your score. To talk to Margyn, open the Margyn panel.
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Everything your agents are waiting on, in one list. Nothing below has been applied — each item is a proposal until you approve it.
Payments needing review
The nightly reconciliation check found more than one possible Razorpay payment for these invoices, or the two sources didn't line up cleanly. They're left for a human to confirm rather than auto-marked as verified.
Reconciliation proposals Beta
Margyn worked the reconciliation exceptions overnight. Each item below is a proposal — the money figure, why, and what to book.
Forwarded documents Import
Invoices, bills and receipts you forwarded to your Margyn WhatsApp number. Margyn read each one and proposed where it goes.
Nothing waiting on you
When an agent finds a reconciliation it can't settle on its own, drafts a journal entry, or reads a document you forwarded, it lands here for approval.
Deploy, pause or configure each automation. Pausing stops the pushes and the proposals; it never deletes anything already in the queue.
Every agent is also someone you can talk to. Pick one to open its thread — Margyn leads and will hand off to a specialist when a question is squarely theirs.
Analytics
Reports you build
Every chart is yours to define. Read only, computed from connected data, nothing here moves your Pulse Score.
New chartexpand
Settings
Preferences and account
Notifications, scoring labels, connected sources and account controls.
Ask Margyn
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Customize
Choose what you see
Every indicator here is computed from your own snapshots. Pick the ones you actually run the business on.