DigitalNation BMS — Installments

The customer vanished.

First month: paid. Second month: late. Third month: no one answers the phone.

You have:

• A signed agreement — buried somewhere
• The guarantor’s number — also gone quiet
• A cheque — but where is its photo?
• A CNIC copy — maybe in the cupboard

You have nothing that protects you.

The full amount is out of your pocket — and no way to recover it.

DigitalNation BMS (Business Management Software) ends this.

In BMS’s installment module, when you create an agreement — everything linked, everything safe, everything in one place.

The customer disappears? You have:

• Complete agreement — with every detail
• Guarantor record — name, CNIC, photo, phone
• Cheque photo — saved
• CNIC copy — in the system
• Signed copy — uploaded
• Every installment payment date
• Overdue report — exact

You have protection. You have leverage.

Every agreement, a complete file

In BMS, every installment agreement comes with:

• Agreement number — auto-generated
• Customer — name, CNIC, address, photo
• Guarantor 1 and 2 — name, CNIC, photo, phone verification
• Asset — what was sold, brand, model, serial / IMEI
• Cash price and markup — as per Pakistani norms
• Down payment — minimum 15-20%
• Monthly installment — amount and duration
• Schedule — every installment date, amount, status
• Cheques — as security
• Documents — CNIC front/back, photos, signed agreement
• Payment history — every installment detail

One agreement — a complete file.

What you can do with an agreement

Before & After BMS

Same business. Same customer. Just complete protection.

DigitalNation Support — when installments get messy

Sometimes the customer’s number changed. Sometimes the guarantor didn’t answer. Sometimes a cheque was entered wrong. Sometimes one installment was entered twice.

Don’t worry. DigitalNation Support is with you:

• Verify the agreement
• Correct the wrong entry
• Help with rescheduling
• Help re-upload documents
• Via WhatsApp or call, quickly

We never change your data silently. Every correction is dated and logged.

How to create a new agreement

Step 1: Go to Installments from the dashboard

Step 2: Click “+ New Agreement”

Step 3: Select customer:

• Existing customer — pick from list
• New customer — add via Customers first

Step 4: Customer details:

• CNIC — required
• Full address — required
• Photo — required (live or upload)

Step 5: Guarantor details:

• Name — required
• Phone — required
• CNIC — required
• Address — required
• Relationship — brother, friend, neighbour, etc.
• Photo — required
• CNIC front/back — required
• Phone verification — call and log

💡 Pro tip: Verify the guarantor’s phone right then — while the customer is sitting in front of you. It’s a legally stronger step.

Step 6: Asset details:

Step 7: Financial terms:

Step 8: Cheques (optional but recommended):

• Cheque number
• Bank name
• Amount
• Date
• Cheque photo

Step 9: Click “Save”

Step 10: Print agreement PDF → customer, guarantor, and you sign → upload signed copy

Done! The agreement is now filed in BMS.

How to collect an installment

Step 1: Go to Installments → Collection

Step 2: Today’s customer list, sorted by due date

Step 3: Select the customer → “Record Installment”

Step 4: Details:

• Amount — how much was received
• Method — Cash, JazzCash, EasyPaisa, Bank
• Transaction ID — for non-cash
• Receipt photo — optional

Step 5: Click “Save” — remaining balance updates automatically

💡 Pro tip: Check the collection list every morning at 10 AM. Your day plans itself.

Installment statuses

How to track overdue

Step 1: Go to Installments → Overdue tab

Step 2: Each customer shows:

• How many installments late
• Total amount due
• Last payment date
• Last contact date

Step 3: Click “WhatsApp Reminder” for auto-prepared message

Rescheduling an agreement

When: The customer’s financial situation worsened, or they need more months.

How:

1. Open the agreement
2. Click “Reschedule”
3. Enter new terms:
   • New monthly amount
   • Or new number of installments
4. Write the reason
5. Confirm

The old schedule stays preserved — only the new schedule applies. Full audit trail.

Documents — what gets saved

For every agreement, you can upload:

If there’s ever a legal matter — everything in one place.

Handling default

When: The customer has missed 3 or more installments.

BMS keeps you ready:

1. Complete record — in the system
2. Guarantor verification log — with date
3. Cheque photo — security
4. All contact history
5. Signed agreement — legal foundation

All of this is already in your hands — when you need it.

⚠️ Important: BMS does not provide legal advice. Handle defaults as per local law. The system only preserves the record.

Search & filters

Search bar: Agreement number, customer name, phone, CNIC, or IMEI.

Filters:

• Status — Active / Completed / Overdue / Defaulted
• Customer — agreements for one specific customer
• Date range — Today / This Month / This Year

Frequently asked questions

Important notes

💡 Photograph everything Customer, guarantor, cheque, CNIC, signed agreement — all photos in the system. If paper is lost, the digital copy protects you.

💡 Verify the guarantor immediately While the customer is in front of you — call the guarantor. It’s a legally stronger step.

💡 Don’t relax the down payment Don’t accept less than 15-20% down payment — it’s your first line of protection.

💡 Record every installment immediately When the customer pays, record it right away. “I’ll do it later” means you’ll forget.

💡 Check the overdue report monthly Check the overdue report on the 1st of every month. Timely reminders — the best recovery method.

💡 Always get the guarantor’s CNIC Name and phone aren’t enough. CNIC strengthens the legal foundation.

Flow

New agreement ← Customer + guarantor + asset + terms
    ↓
Auto schedule → Upload documents → Print agreement → Sign
    ↓
Monthly installment arrives → [Collection](/guide/collection) → Record
    ↓
Overdue → Reminder → Collection continues
    ↓
If default → Complete record ready → Legal action
    ↓
If completed → Agreement closed, records preserved
    ↓
Result: Every agreement a complete file, every installment tracked,
protection on every default, no losses.

Related sections

• Customers — Complete profile for installment customers
• Collection — Daily installment collection
• Warranty — Warranty for items sold on installments
• Repair Jobs — Repairs for installment items
• Reports — Installment collection reports

Next: Collection — Daily installment collection