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The Account Card — Your Whole Relationship with a Customer

The word "cari" (current account) sounds intimidating, but it simply means the debit-credit ledger between you and one customer or supplier. This window is that ledger, much enhanced — who they are, what they bought, what they owe, what was discussed, how reliable they are. There are ten active tabs; depending on your permission, Extra and Reports, plus one “coming soon” tab, can bring the total to thirteen. Do not worry: in daily work you use three.

1. The strip on top: the 360° scorecard

The first thing you see when the card opens is the 360° customer scorecard strip above the tabs. It is a one-line summary of scattered data: overdue receivables, open orders, last activity. Its purpose: to let you read the situation in three seconds while the customer is on the phone, without touring the tabs.

2. Ten active tabs; up to thirteen with permission and “coming soon”

📷 Actual screen 🗺 What each field does

Figure 1 — General, Contacts, Groups, Accounting, Conversations, Documents, Payment Plan and Reminders can write records; Statement and Intelligence are mainly for reading. Extra and Reports require permission; only Image is “coming soon”.

3. The Statement — the heart of the card

The statement is every money movement between you, in date order: each invoice adds debt, each collection clears it, and the running balance column on the right shows where things stood on that day. The only correct answer to "how much does this customer owe me?" is the balance on the last line.

The period buttons above the statement (Bugün · Bu Hafta · Bu Ay · Bu Yıl — today, this week, this month, this year) offer ready-made ranges; with Özel (custom) you can enter two dates for any free range. That is the route for reconciliation: pick the reconciliation period with Özel, then export it with the PDF (or CSV) button at the bottom.

4. Contacts and Conversations — the corporate memory

The Contacts tab holds the people at the company: name, role, phone, e-mail. Every value has a copy to clipboard button beside it — no retyping a number and getting it wrong.

The Conversations tab is the most useful and least used part of the program. Every time you speak to the customer write two lines here: the person you spoke to (picked from the contact list, their phone and e-mail come along), the subject (ready-made options such as finance, collection, sales, delivery — or your own), and what was said. Every user can see these entries.

5. Groups: the key to getting reports

You can attach five labels to each account (GRUP1–5): region, sector, sales rep, customer type, class… Leaving them empty breaks nothing — but later you cannot ask for "revenue of dealers in the Aegean region". The group is the report; filling it in when you create the card takes ten seconds, filling thousands of cards later takes days.

The group panel in the account list: main group → subgroup

Separate from the GRUP1–5 labels on the card, the Groups panel on the left of the account list holds a two-level tree: main groups and the subgroups under them. Since 2026-09-19 this panel works exactly like the one in the stock list. The + in the headings creates a new main group, or a new subgroup under the selected main group; if you type the name of an existing subgroup, that subgroup is merely linked to this main group as well — a subgroup may belong to several main groups. The × at the end of a row first opens a confirmation strip that states what will happen: deleting a main group removes only the links, the subgroup definitions and account memberships stay; for a subgroup you choose “Remove from this main group only” or “Delete completely”. To remove several subgroups at once, tick their rows and press the − button in the subgroup heading: after a confirmation strip the selected subgroups are removed from this main group in bulk, and only the link is released — their definitions and account memberships remain. Subgroups left without any main group appear under “Unlinked subgroups” at the bottom of the panel and can be re-linked from there. To put an account into a group, drag the row and drop it onto the subgroup; the same job can be done by right-clicking the row and choosing “Add to / remove from the selected groups”. The three-position switch in the toolbar is In the groups | Outside the groups | All: the middle one lists the accounts that are not members of the selected groups (or, when no group is selected, the cards that belong to no group at all), while “All” lists every card and marks members with a Member badge and group-less cards with a No group badge. Creating a group requires the “group operations” permission and deleting one the “can delete group” permission; without them the buttons are not shown at all.

Main group scope: if a main group is selected in the panel but you have checked none of its subgroups, the switch runs over all the subgroups of that main group: “In the groups” brings the accounts that are members of any subgroup of the main group, “Outside the groups” those that are members of none of them, and “All” lists everything and marks the members with a Member badge. The group strip above the list writes it as “Main group: pipes · all its subgroups” (or, depending on the mode, “Outside the main group: …” or “All — members of the main group marked: …”). As soon as you check one of the subgroups the scope narrows and, as before, only the checked subgroup set applies.

6. Intelligence and limits

Limits define how much open credit you may give this customer. The credit check at the time of sale uses the Total limit, or the Open account limit if that is empty; cheque, note, credit card and instalment sub-limits do not count as a credit limit. If both are empty, the company's risk policy decides what happens (default: the sale goes through and nothing is recorded). Setting limits also requires a separate permission; without it you can see the values but not change them.

Risk tab: exposure, credit limit and hold

The card's Risk tab shows the account's current exposure: balance + open sales orders + cheques/notes in portfolio + endorsed instruments + uninvoiced delivery notes − uninvoiced returns. At the top are the credit limit utilization bar and the remaining limit; below them the item-by-item breakdown, overdue receivables and cheque limit, the credit check policy in force, recent credit check decisions and documents awaiting approval. An authorised user sets a temporary limit increase here, chooses the account's limit policy and puts the account on hold (sales to an account on hold stop). Only a manager or a user with the "Can see account balances" permission sees the amounts. The check at the time of sale uses the same calculation; details: Credit Limit and Risk.

7. The remaining tabs in brief

8. Frequently asked questions

Reports → Finance: the reconciliation letter and receivables ageing

The menu on the Reports tab of the account card now has a fifth group: Finans (Finance), holding two views — Mutabakat (Reconciliation) and Alacak Yaşlandırma (Receivables ageing). Both are read-only: they write nothing and change nothing; they only gather the invoices, cheques and account movements that already exist so they answer two different questions.

Reconciliation: "what was the balance on 31 December?"

There are three things at the top: Dönem sonu tarihi (period-end date), Dönem sonu bakiyesi (balance at period end) and, on the right, 🖨 Mutabakat Mektubu Yazdır (print the reconciliation letter). The date box opens on today and will not accept a future date — a reconciliation looks backwards. Changing the date recomputes this section only; the rest of the card (the balance strip, the statement) is untouched.

Monthly purchase/sales summary (Ba-Bs style)

Right below the letter sits a 12-row table for the year of the date you picked: for each month sales excluding VAT, the sales count, purchases excluding VAT and the purchase count. The figures are the invoices' net base — VAT removed; cancelled invoices and return types are left out. Whenever a month's sales or purchases exceed 5,000 TL the row is tinted and a 5.000+ badge appears at its end.

Receivables ageing: how old is the debt?

"This customer owes me 80,000" says nothing on its own. If all of it is an invoice not yet due, the situation is healthy; if it has been sitting there for three months, it is urgent. This view splits the money into five buckets:

Under the buckets there are two totals: Vadesi geçen toplam (the four overdue buckets added up) and Açık alacak toplamı (everything). Below that, the Açık Belgeler (open documents) table itemises it: kind (invoice or cheque/note), document number, due date and amount. It is sorted by due date — the oldest debt on top — and shows at most 200 rows; if there are more, a line below says "showing the first 200 rows".

The pooled list, where every account is shown with the same buckets in one table, lives on the Receivables Ageing tab of the Reconciliation window. The view here is the single-account form of that list; the numbers come from exactly the same source.

Reports → Charts: ten new views

The menu on the Reports tab has gained ten more views. All of them are read-only: they write nothing and only gather the delivery/invoice lines, quotations, orders, receipts and CRM interactions that already exist. Every report has a Start – End date pair at the top; if you leave it alone it looks at the beginning of the year through today. The period you pick is kept as you move between reports.

Six things to keep in mind while reading

1. A line total is not a document total. "Monthly Trade" and "Most Bought/Sold" are computed from the lines — exactly the formula used by the Group Reports and Expense Tracking. The older "Trade Volume" report reads the invoice header instead; since freight and overall discount rows do not exist among the lines, the two figures can differ slightly. 2. Unless the VAT switch is ticked, amounts exclude VAT. 3. This database has no separate promissory note table; cheques, DBS, DTS, instalments and card payments live in one table, and the colours in the Collections report follow that split. 4. Collection Delay decides which payment closed an invoice with the oldest debt first rule (the same calculation as the payment discipline on the statement); no manually matched closing record is looked for.

5. A very wide period is trimmed. If you pick a range longer than ten years, the monthly reports draw the last 121 months of the range and compute the total from that window; when that happens a warning above the report states which months were used. Choose a narrower period to look at older months. 6. Return documents are not in the main total. In Monthly Trade and Most Bought / Sold, the lines of return invoices are taken out of the Sales and Purchases columns and collected in their own Return column; if there are returns, Return and Net boxes also appear on the strip above.

Reports → Charts: seven more views (customer value, risk, orders)

Seven more views now sit next to the first ten. They go one step beyond "what did I sell": who should I call, how much more can I ship to this account, who is handing out the discounts, what am I due to deliver in the coming months, what is this customer worth, how much comes back and when did we last talk to them. They are all read-only as well and use the same Start – End date pair.

Four things to keep in mind while reading these seven

1. An RFM score is relative, not absolute. Getting a 5 does not mean "good customer"; it means "you are in the best fifth of the accounts in this company". If the company is small, or few accounts moved during the period, the thresholds shift — which is why the threshold table is printed inside the report. 2. A credit limit is never invented. If no limit is defined on the card the ratio is left empty; if the balance is in credit (negative) the ratio comes out negative too, which means the account has overpaid. 3. The open order calendar reads the lines, "Pending Orders" reads the header. An overall discount or a freight charge applied to the header does not exist among the lines, so the two totals can differ slightly — which is why the header total is shown in a box of its own. 4. On long periods a row cap can kick in. The excessive-discount and open-order lists are truncated after a certain number of rows; when that happens the report says so plainly and the summary figures cover only the rows that were counted.

Reports → Charts: four new views (profitability and delivery performance)

Four more views have been added. The first two sit in the Trade section and ask the question underneath "what did I sell": what do I actually earn from this customer and what else could I sell them. The last two live in a new section called Delivery performance: did I deliver in full on the date I promised and how many days does this supplier take. All four are read-only, change no record, and use the same Start – End date pair.

Seven things to keep in mind while reading these four

1. Cost is resolved in three steps and never invented. For a product (1) the weighted average net price of the purchases in the same period, per the card's main unit, is used first; if there is no purchase in the period it falls back to (2) the MALIYET field on the stock card — but if that value is more than 20 times the period's sales unit price it counts as unreliable, is not used, and the card drops into the "Products without cost" box (the rejected suspicious card value is shown on the row); if neither exists (3) cost counts as none — that product's profit and margin are left blank (no cost is invented), the total and monthly profit are computed only over the revenue whose cost is known, and the card is again counted in the "Products without cost" box; in a month where only products without cost were sold the profit reads "—". The realised purchase price comes first because the card's MALIYET field is filled inconsistently in this database: a single junk value (a sheet card reading 747,200 TL per kilogram, for instance) could misstate one customer's profit by hundreds of millions of lira. Which step was used is printed under the table. This is the same resolver the stock card reports use: look at the same product in both windows and the figures will not contradict each other. Cost is resolved for a limited number of cards; beyond that limit the remaining cards count as having no cost and the report says so.

2. The "unit" and "estimate" badges change the reading. The unit badge says the line's unit differs from the card's main unit (a profile sold in "pcs" but bought in "m", say): the price belongs to the unit that was typed, the cost to the main unit — verify the card's unit and conversion definition before you read the margin. The estimate badge says the unit conversion could not be made, so the quantity is approximate. 3. The revenue column is identical to the SALES column of the "Monthly Trade" report (in the purchase direction, to its PURCHASES column): the same line formula, VAT excluded. But a discount applied to the whole document (in its header) does not appear on the lines, so the margin comes out somewhat more optimistic than it really is.

4. The OTIF definition is precise. The promised date is the delivery date on the order header — this database has no line-level delivery date. "On time" = the date of the order's last invoice is not later than the promised date; "in full" = no uninvoiced line is left on the order. The link between order and invoice is the invoice's starting order number; invoices without that link do not enter the report. Orders whose delivery date was left empty count as "without a promise" and stay out of the measurement — this company has no default lead-time preference to add to the order date, so if you need one you supply your own rule in the Promise lead time (days) field. 5. The lead time is the number of days from the order date to the first purchase invoice (goods receipt) born of that order. The lead time suggested for MRP is the 90th percentile of the measured times (rounded up): nine orders out of ten arrived within it.

6. The cross-selling "segment" is picked in a fixed order and the Segment source box on screen says which one was used: first the account's group membership, then the card's 1st group label, then its 2nd group label, and if none exists, the same account type. The suggestion list measures similarity, not purchase intent — it is a list to glance at before preparing a quote, not an order forecast. (The segment of the Inactivity + RFM report is not used as the peer set here: that one is a value class, it says how much was bought, not what.) 7. All four are read-only: they change no record and produce no document. Their visibility is governed by the existing "may see chart reports" permission — without it these views are not listed on the Reports tab.

Free-of-charge issue. Sales lines with a price of 0 (samples, gifts, material shipped with a labour invoice) are not included in turnover, sales quantity or profit; their quantity is multiplied by the same unit cost and shown in a separate Free-of-charge issue box and section. The "Show document list" link lists the date, document, quantity and cost of these lines; clicking a document number opens the invoice. This way a single free-of-charge document does not falsely push the month's profit negative.

The Payment Plan tab: tracking instalments

A customer promises to pay 36,000 "in three equal monthly instalments". If that promise is written nowhere, by the third month nobody remembers what was agreed. The Ödeme Planı (Payment plan) tab records exactly that promise and keeps its calendar.

1. Open the form with "+ Plan Oluştur"

   There are six fields. Three are required: total amount, number of instalments (1 to 120) and the first due date. Instalment interval (days) defaults to 30 — put 15 for fortnightly, 7 for weekly. Document no and note are optional but they are what answers "what was this plan?" months later: write the contract number or something like "August settlement protocol".

   💡 A preview before you save

   36.000,00 ₺ ÷ 3 → 3 × ~12.000,00 ₺

   This line sits under the form and updates as you type. The "~" matters: when the amount does not divide evenly (e.g. 10,000 ÷ 3) the rounding difference lands on the last instalment, so the instalments always add up to the total. While a required field is missing the same spot reads "enter the total, the count (1-120) and the first due date" and Planı Oluştur stays disabled.

2. Reading the plan card

   Each plan becomes a card headed Plan #7 plus the document number and note if you gave them. The strip underneath carries four figures — Toplam (total), green Ödenen (paid), Açık (open) and, when there is one, red Gecikmiş (overdue). Overdue counts only instalments past their date that are still unmarked; it lets you read a plan's health in five seconds.

3. Marking an instalment "Paid" and linking the voucher

   Each instalment row shows, in order: its number ("2. taksit"), the due date, the amount, a status badge (Açık = open / Gecikmiş = overdue / ✓ Ödendi = paid) and, on the right, a small voucher no (opt.) box next to an Ödendi button. The correct order is:

   Step	What you do
   1	Take the money and write the collection in Voucher Entry. Note the voucher number (e.g. 1482).
   2	Return to the Payment Plan and type 1482 into the box next to that instalment.
   3	Press Ödendi. The badge becomes "✓ Ödendi · Makbuz #1482" — the instalment now has a trace.

   You may leave the voucher number empty — the instalment still becomes "✓ Ödendi", just without a trace. If you marked the wrong row, the Geri al (Undo) button on it removes the mark; that too only changes the tracking record and touches no money movement.

The Reminders tab: "call this account on that date"

The Conversations tab is the ledger of what happened, the Payment Plan is the ledger of what was promised. Reminders is the third ledger: the one for what has to be done. When you say "the contract ends on 15 October, I must call them", you do not have to keep that in your head or on a slip of paper — you type the date and the note here, and when the moment arrives the program brings it to you. A reminder belongs to the account: everyone who opens the card sees that account's reminders here.

1. Enter it with "+ Hatırlatma"

   The + Hatırlatma (+ Reminder) button at the top of the tab opens a small form: Tarih (date, tomorrow by default), Saat (time, 09:00 by default), "Ne hatırlatılsın?" (what should be reminded) and the priority — Normal · Önemli · Acil (normal · important · urgent). Type the note and press Kur (Set); Enter works too, Esc cancels. The note may not contain a semicolon or control characters; the program warns you.

2. Reading the three sections

   The list is split into three sections. Vadesi geldi (Due, amber) — those whose time has come but which are still open; this is the first job of the day. Bekleyen (Pending) — those not yet due, nearest date on top. Kapanan (Closed) — the ones you finished, greyed out, the last twenty. Every row shows the display time on the left, the note and its author in the middle, and an Önemli (important) or Acil (urgent) badge when the priority is not "normal".

3. Postpone and Close

   Every row that is still open has two buttons on the right. Ertele (Postpone) pushes the reminder three hours forward — use it when the line is busy or you think "I'll do it this afternoon"; nothing is deleted, only the display time moves. Kapat (Close) means "this is done": the row drops into Kapanan and never appears on your screen again. Only the person who created a reminder may change it; if you try to close someone else's reminder the server refuses.

Print, CSV and PDF on the statement — which one when?

The footer of the statement tab holds four buttons side by side: Çek/KK Girişi (cheque entry), Yazdır (print), CSV and PDF. The last three carry the same data out for three different purposes — which you pick depends on who receives it.

The printed table has six columns: date · voucher no · description · debit · credit · balance. In the balance column each row ends with (B) or (A) — a debit or a credit balance; a single line at the foot of the page explains the two letters. If you included pending orders in the statement, those rows carry a (bekleyen sipariş — pending order) note in their description, so the other side does not read them as real debt.

Account Extra — the statement in a separate window

Purpose, user and opening path: Account Extra is not a new account card; it opens exactly the same content as Account Card › Statement in a separate window. Right-click a row in the Account list or open its ⋮ menu and choose Account Extra. Only a user with cari_extra permission sees the command. Accounting/collections staff can keep the statement on one side while working on an invoice or receipt in another window.

9. Glossary

Edit › "Currency": the currency the supplier works in

The account card's Edit form has a Currency field ("Currency (blank = TL)" when creating a card). Enter a 2–10 letter code such as USD or EUR; the program converts it to upper case and rejects a malformed value like "U$D" with 422. Leave it blank and the card is TL. The DOVIZ field on the Accounting tab shows this value.

Where it is used: on supplier cards. If a purchase document is written without a currency (API/integration), this value and the day's central-bank rate are used; documents typed on screen already carry the currency explicitly. The default is not applied on the customer (sales) side. Details and error messages: Purchasing guide.