# Instalment sales management software in Iraq > Instalment software creates the contract with down payment, term and instalment amount, stores the customer’s and guarantor’s details and IDs, reminds before each due date, records payments with receipts and shows arrears by age. Al-Arjan builds Arabic instalment systems for phone, appliance, furniture and car dealers in Iraq. Source: https://www.al-arjan.com/en/solutions/installment-sales · العربية: https://www.al-arjan.com/ar/solutions/installment-sales.md ## Who it’s for - Phone and appliance shops selling on instalments - Furniture showrooms - Car dealers selling on instalments - Instalment and purchase-finance companies ## Problems it solves - A ledger that doesn’t show who is late and by how long - Missed due dates until instalments pile up and become hard to collect - Customer and guarantor IDs saved on someone’s phone - No view of how much money is outstanding and when it returns ## Modules - **Instalment contract**: Down payment, term, instalment amount or markup, and a printed contract. - **Customer and guarantor**: Details, ID scans, employer, and the customer’s past payment history. - **Payment schedule**: Due dates and amounts, with documented rescheduling when agreed. - **Collection and receipts**: Payment in store or by a collector, with an instant WhatsApp receipt. - **Reminders and arrears**: Pre-due reminders and an ageing report: 30, 60, 90+ days. - **Cash-flow view**: What you’ll collect this month and next, and total outstanding. ## How does it reduce late instalments? **Lateness usually starts with a forgotten date. The software reminds the customer before it’s due, then shows you who is late that same day so you call before it becomes two months.** - WhatsApp message a set number of days before due - Daily list of late payers with phone numbers and guarantors - Ageing report to spot the riskiest accounts ## Does it support dinar and dollar contracts? **Yes. A contract can be in dollars and paid in dinars at the day’s rate, or vice versa, with the rate saved on every receipt.** Many devices and cars are priced in dollars while customers pay in dinars. If the system doesn’t record the rate on each payment, the balance becomes a dispute. The software keeps the contract’s original currency and the rate for every payment. ## Does it fit interest-free instalment sales? **Yes. The instalment price is stored as a fixed agreed price at contract time, with no variable interest, and the late-payment policy follows whatever you adopt.** ## Frequently asked questions ### Can ID scans be attached to the contract? Yes. Customer and guarantor IDs and other documents are attached and permission-protected. ### Can instalments be rescheduled? Yes, keeping the original schedule, the reason and who approved it. ### Does it work with a field collector? Yes. The collector app shows their customers and due instalments, records payments and sends receipts. ### Is it linked to stock and sales? Yes. An instalment sale deducts the item from stock and records its serial or IMEI on the contract. ### Can I see a risky customer before selling? Yes. The customer’s history and past lateness appear when you enter their name or phone. ### How long to go live? We import existing contracts from ledgers or Excel; a single shop usually starts within days to two weeks depending on volume. --- Contact Al-Arjan: +964 773 545 2792 (phone & WhatsApp, 24/7) — [Request a quote](https://www.al-arjan.com/en/quote)