General Ledger & Bookkeeping
Every synced business event posts as a journal entry — with drill-down to its source.
Books That Write Themselves
ArrayCart Accounting & Business Finance turns every sale, purchase, payroll run and courier settlement into a posted journal entry — automatically. Real-time profit and loss, COD and gateway reconciliation, and NBR-aligned VAT reports, built for Bangladesh businesses in Bangla and English.
- Zero re-entry — every business event auto-posts
- COD & gateway settlements reconciled for you
- NBR-aligned VAT & tax reports in BDT
- Real-time P&L, balance sheet & cash flow
Inside the product
14 modules, one set of books
Everything a Bangladesh business needs to run its finances — from the general ledger to NBR-aligned VAT reports. Jump straight to any module below.
Sales & Revenue Accounting
Real-time revenue, COGS and per-order margin straight from POS, web and bot orders.
COD & Gateway Reconciliation
Courier settlements and bKash / Nagad payouts matched automatically, fees posted for you.
Accounts Receivable
Credit sales, aged receivables and collections tracking — know exactly who owes you.
Accounts Payable
Supplier bills, due-date alerts, partial payments and aging in one supplier ledger.
Bank & Cash Management
Bank, cash and mobile-wallet accounts with statement import and live reconciliation.
Invoicing & Billing
Branded, sequential invoices with your TIN and BIN — delivered by email, WhatsApp or SMS.
Expenses & Approvals
Unlimited expense categories, approval chains, reimbursements and anomaly views.
Budgeting & Forecasting
Budgets per department and location, overspend alerts and AI-fed cash-flow projections.
Payroll Accounting
Posted payroll runs auto-journal salaries, allowances, deductions and liabilities.
Assets & Depreciation
A synced asset register with automatic depreciation posting, disposals and write-offs.
Tax & VAT (Bangladesh)
VAT rates and rules of record, BIN on invoices and summaries aligned with NBR filing.
Multi-Entity & Branches
Consolidated and per-branch books in BDT, with inter-entity transfers handled cleanly.
Financial Reporting & Insights
P&L, balance sheet, cash flow and trial balance in real time — sliced any way you need.
Core engine
The ledger that writes itself
Sales, settlements and source documents become clean double-entry books without anyone re-typing a single line.
Module 01
General Ledger & Bookkeeping
The double-entry core of ArrayCart. Business events from across the suite arrive as synced records and post themselves — your team reviews and approves instead of entering data.
- Automated recording of financial transactions — every synced business event becomes a journal entry with full drill-down to its source order, payslip, purchase order or expense
- Configurable chart of accounts with sensible e-commerce and retail defaults
- Manual journal entries with maker-checker approval
- Ledger management and period closing with lock dates
- Complete audit trail on every entry
What this means for you: no more late nights re-typing the day's sales into a khata or Excel. The entries are already posted with the source document attached, so your accountant spends hours reviewing instead of days re-entering.
Module 02
Sales & Revenue Accounting
Revenue accounting that keeps pace with your counter, your website and your chat orders — posted the moment the sale happens.
- Real-time revenue posting from POS sales, online orders and AI bot orders
- COGS posting from synced stock valuation, with margin recorded per order
- Discounts, promo-code redemptions and returns or refunds posted against revenue automatically
- Wallet and store-credit balances tracked as customer liabilities
- Channel-wise revenue breakdown — POS vs. web vs. social vs. marketplace vs. bot
What this means for you: you see real profit per order, not just the day's topline. When a Facebook order returns or a promo code eats the margin, the books already reflect it — so pricing decisions are based on facts, not feelings.
Module 03
COD & Gateway Reconciliation
The module built for the hardest problem in Bangladesh e-commerce finance: making sure the taka the courier hands over matches the orders you actually delivered.
- Automated COD reconciliation — courier settlement statements matched against delivered orders
- Shortfalls, deductions and pending amounts flagged per courier
- Gateway payout reconciliation for bKash, Nagad, Rocket, SSLCommerz and aamarPay — payouts matched to transactions
- Gateway fees posted automatically as payouts land
- Unmatched-transaction workbench for exceptions
- Courier and gateway fee analytics
What this means for you: COD leakage stops silently draining your business. If a settlement from Pathao or Steadfast is short by ৳3,500 this week, you know the exact orders, the exact deductions and the exact amount still pending — without a night of spreadsheet matching.
Receivables & payables
Money in, money out — under control
Who owes you, whom you owe, what is in the bank and what goes on the invoice: tracked continuously, matched automatically.
Module 04
Accounts Receivable
Credit sales are a fact of business in Bangladesh. ArrayCart makes sure baki never becomes forgotten.
- Customer credit-sales ledger synced from POS & Order Management, with credit limits and dues
- Aged receivables reporting with follow-up flags
- Collection tasks assignable to staff through HRM Tasks
- Customer billing, payment scheduling and collections tracking
- Receipt entry with automatic order and invoice matching
What this means for you: you open one report and see every customer who owes you money, how old each due is, and who on your team is chasing it. Dues that used to quietly age past 90 days get flagged at 30.
Module 05
Accounts Payable
Supplier relationships run on trust and on-time payments. Keep both without maintaining a separate dues register.
- Supplier bills synced automatically from purchase receiving
- Payment schedules, due-date alerts and partial payments
- Supplier ledger and aging
- Purchase-return credits netted automatically
What this means for you: no supplier phone call ever catches you off guard. Due-date alerts arrive before the deadline, part payments are tracked to the taka, and returned goods reduce your dues without a manual adjustment.
Module 06
Bank & Cash Management
Bank accounts, cash drawers and mobile wallets — every place your money sits, reconciled against one cash book.
- Multiple bank, cash and mobile-wallet accounts
- Bank reconciliation with statement import and real-time transaction matching
- Deposits recording and tracking
- POS cash-drawer sessions reconciled to the cash book via shift reports
- Inter-account transfers
What this means for you: the drawer count at closing time matches the cash book, every night, at every outlet. When the shift report and the ledger disagree, you find out the same evening — not at month end.
Module 07
Invoicing & Billing
Professional invoices that carry your legal identity — generated in one click and delivered wherever your customer actually reads.
- Auto-generated sequential invoice numbering (e.g., INV-YYYYMM-0001)
- Branded invoice templates with your company billing profile — legal name, TIN, BIN/VAT registration, registered address and bank details
- On-demand PDF generation with delivery via email, WhatsApp or SMS
- Billing snapshot frozen per invoice, so historical documents stay accurate after profile edits
- Recurring invoices for repeat and wholesale customers
What this means for you: corporate and wholesale buyers get a proper BIN-bearing invoice on WhatsApp within seconds of asking — and the monthly invoice for your regular wholesale customer sends itself.
Cost control
Spending, payroll and planning
Expenses approved before they happen, budgets that shout when breached, and payroll that books itself.
Module 08
Expenses & Approvals
Every taka going out gets a category, an approver and a paper trail — from shop rent to a rickshaw fare.
- Customizable expense types — unlimited categories reflecting your actual business, adjustable in real time
- Expense entry from any product — store expenses recorded at the POS sync here automatically
- Approval hierarchies with reimbursement tracking; employee reimbursements link to HRM and payroll
- Department- and location-level expense accountability
- Recurring expenses with receipt attachments
- Spending-pattern and anomaly views
What this means for you: the mystery ৳12,000 of monthly 'miscellaneous' spending finally gets names. Anomaly views surface the outlet whose costs are creeping up before it becomes a habit.
Module 09
Budgeting & Forecasting
Plan the month before it happens, and see next quarter's cash position before you commit to it.
- Budget planning per department, location and expense type
- Revenue and expense forecasting with dynamic models and scenario analysis
- Budget-vs-actual tracking with overspend alerts
- Cash-flow projection fed by AR/AP due dates and AI sales forecasts synced from POS & Order Management
What this means for you: you know today whether you can afford next month's Eid stock purchase. Overspend alerts reach you the day a branch crosses its budget — while the spending can still be stopped.
Module 10
Payroll Accounting
When HR posts the payroll run, the books are already done — salaries, allowances, deductions and liabilities, journaled without a single manual entry.
- Posted payroll runs auto-journal salary expense, allowances, deductions and liabilities
- Salary disbursement matching against bank and cash accounts
- Provident fund, advance/loan and bonus liability tracking
- Payroll cost reporting by department and location
What this means for you: salary day costs your accounts team zero hours. Staff advances and festival bonuses stop living in someone's personal notebook and start living on the balance sheet where they belong.
Module 11
Assets & Depreciation
Freezers, generators, delivery bikes, laptops — tracked from purchase to write-off with the books adjusting themselves along the way.
- Asset register synced from HRM, with assignment and status
- Depreciation schedules with automatic periodic posting
- Disposal and write-off handling
What this means for you: your balance sheet reflects what your equipment is actually worth today, not what you paid three years ago — and selling off an old generator takes one entry, not an afternoon of corrections.
Compliance & insight
Compliance, branches and the big picture
VAT handled the Bangladesh way, every branch in one set of books, and financial statements that update themselves in real time.
Module 12
Tax & VAT (Bangladesh)
Built around how tax actually works here — BIN, VAT-inclusive pricing, AIT on supplier payments and reports shaped for NBR filing.
- VAT configuration of record for the whole suite — rates plus VAT-inclusive and VAT-exclusive pricing rules
- BIN details on invoices and a VAT breakdown recorded per sale
- VAT summary reports aligned with NBR filing needs
- Withholding/AIT fields on supplier payments where applicable
- Tax reports by period, with export
What this means for you: VAT return preparation drops from days of collecting slips to minutes of exporting a report. Every invoice already carries the BIN, every sale already carries its VAT split.
Module 13
Multi-Entity & Branches
One business, several branches or sister concerns — separate books where the law needs them, one consolidated view where you need it.
- Multi-entity and branch books with consolidated and per-entity statements — single currency, BDT
- Inter-entity and inter-branch transfers
What this means for you: the Dhaka showroom and the Chattogram warehouse each get clean standalone statements, and you get one consolidated P&L — without maintaining two accounting systems or a reconciliation spreadsheet between them.
Module 14
Financial Reporting & Insights
Statements your bank will accept and dashboards your gut will trust — generated continuously from the same live books.
- Core statements — Profit & Loss, Balance Sheet, Cash Flow and Trial Balance
- Profitability lenses by product, category, channel, order, campaign and location
- Real-time financial health dashboard with cash position and alerts
- Custom reports and KPIs per stakeholder, with saved report templates
- Excel, PDF and CSV export, plus scheduled report delivery
- Mobile access to dashboards and approvals
What this means for you: when the bank asks for statements for a loan application, they are ready before the meeting. And on a Friday evening, your cash position is one glance at your phone — with approvals you can clear from the same screen.
One data spine
Connected to everything
Accounting never asks for re-entry because the rest of ArrayCart feeds it continuously.
Every product in the suite keeps the books current. POS & Order Management streams in commerce data, HRM, Payroll & Attendance delivers payroll and asset events, WhatsApp, Messenger & SMS Marketing reports its spend, and even chat sales from the Inbox & AI Order Bot arrive as first-class orders. Accounting sends value back, too — as the tax rules of record and the financial pulse of the whole suite.
From POS & Order Management
Sales, payments, COD settlements, purchases, returns, store expenses, stock valuation and wallet liabilities post automatically as they happen.
From HRM, Payroll & Attendance
Posted payroll runs, employee reimbursements and asset depreciation arrive as ready-made journals — salaries, liabilities and write-downs included.
From Marketing
Campaign and SMS spend flows into your P&L, so marketing ROI is measured against real revenue instead of guesses.
To the whole suite
Your VAT setup becomes the tax configuration of record, financial KPIs surface on the shared dashboard, and budget alerts reach the right people as notifications.
FAQ
Can I…? Yes, you can.
Real questions from merchants moving off spreadsheets, khatas and disconnected accounting apps.
Yes. Courier settlement statements are matched against your delivered orders automatically, so every COD payout is checked line by line. Shortfalls, deductions and pending amounts are flagged per courier, and anything that cannot be matched lands in an exceptions workbench for review instead of disappearing into a spreadsheet.
Yes. Cost of goods sold posts from synced stock valuation and margin is recorded on every order, with discounts, promo-code redemptions and returns already netted against revenue. You can then view profitability by product, category, channel, campaign or location to see where the taka is actually made.
Yes. ArrayCart holds the VAT configuration of record for your whole business — rates plus VAT-inclusive and VAT-exclusive pricing rules. Invoices carry your BIN details, every sale records its VAT breakdown, and VAT summary reports are aligned with NBR filing needs and exportable by period.
Yes. Customer credit sales sync from POS with credit limits and dues, and aged receivables reports show exactly which customers are overdue and by how long. Follow-up flags let you assign collection tasks to your staff, and receipts match automatically against the right order or invoice when money comes in.
Yes. Supplier bills are created automatically from purchase receiving, so nothing is re-typed. You get payment schedules, due-date alerts, partial payments and a full supplier ledger with aging — and purchase-return credits are netted against what you owe without manual adjustment.
Yes. Multi-entity and branch books give you consolidated statements for the whole business and separate statements per branch, all in BDT. Inter-branch and inter-entity transfers are recorded properly on both sides, so a Dhaka-to-Chattogram stock or cash move never unbalances the books.
Yes. When a payroll run posts in ArrayCart HRM, the salary expense, allowances, deductions and liabilities are journaled automatically, and payroll cost reports break down by department and location. Provident fund, advance, loan and bonus liabilities are tracked alongside, with disbursements matched to your bank and cash accounts.
That is the whole point of the product. Every sale, purchase, return, store expense, COD settlement, gateway payout and payroll run arrives as a synced event and posts as a journal entry automatically, with drill-down back to the source document. Your team reviews and approves — nobody re-types.
Yes. Gateway payout reconciliation covers bKash, Nagad, Rocket, SSLCommerz and aamarPay. Payouts are matched to the underlying transactions and gateway fees are posted automatically, with fee analytics showing what each channel really costs you every month.
Yes. You can plan budgets per department, location and expense type, then track budget versus actual in real time. Overspend triggers an alert through suite notifications, so you hear about it while there is still time to act — not at month end.
Yes. Invoices generate as PDFs on demand and deliver via email, WhatsApp or SMS. Each invoice uses your branded template with legal name, TIN, BIN/VAT registration, registered address and bank details — and the billing snapshot is frozen per invoice, so old documents stay accurate even after you edit your profile.
Of course. Manual journal entries are supported with maker-checker approval, so one person prepares and another approves. Period closing with lock dates keeps finished months untouched, and a complete audit trail records who did what on every entry.
Launching 28 August 2026
Close your books without opening a spreadsheet
Compare the launch plans and reserve a waitlist seat for connected books, COD settlements, VAT and payroll in one workspace.
Only 3,000 launch seats are available. Priced in BDT.