Store Credit (Veresiye)

Store credit, known in Turkish retail as "veresiye", is a sale in which the customer does not pay the full amount at the time of purchase. Instead, the value of the goods is recorded as a debt and settled later. This informal credit arrangement is common in grocery stores, corner shops and neighborhood retailers, where purchases are written down in a ledger or system and paid off at the end of the month or in regular installments.

Store credit can strengthen customer loyalty and encourage repeat business. However, if records are kept loosely, outstanding balances are easy to forget and late payments can strain a small business's cash flow. Keeping accurate credit records is therefore essential.

• It should be clear who owes what and since when.
• Payments and remaining balances should be visible at a glance.
• Digital records reduce the risk of loss and errors compared with a paper ledger.

For example, if a customer buys goods worth ₺250 and pays ₺100, a balance of ₺150 remains on credit; without proper tracking this amount can be overlooked over time. To manage store credit and customer accounts in one place, you can track receivables with Welda Stock, and read our guide on moving the credit ledger to digital.