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Billing that handles split payments, GST, and the FBR export

One invoice can settle as cash plus card plus a bank transfer, carry GST inclusive or exclusive per product, and land in this month's FBR Annexure C export.

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Any mix of payments on one bill

A bill can settle on cash, card, bank transfer, cheque and store credit. One split can be divided across cash, card, bank transfer and cheque, with each leg recorded against its own account.

Split payments
One bill can settle as cash plus card plus a bank transfer, in whatever proportions the customer offers. Each leg posts separately, so the cash drawer and the bank statement both add up on their own at close.
Partial payments and aging
An invoice can stay part-paid. The unpaid remainder sits on the customer's outstanding balance and moves through the aging buckets — Current, 1–30, 31–60, 61–90 and 90+ days — until it clears. The 90+ total is the one to work as a call list.
Credit limits, off until you enable them
Set a credit limit per customer, then turn on credit-limit enforcement for the accounts that sell — it ships off, and it is a per-account setting, so a manager can enforce it while a stall terminal does not. Where it is on, a bill that would push the customer past the limit is stopped before it saves, at the counter rather than at month-end.

One bill, three payment methods

A PKR 53,100 sale settled in three legs — each recorded against its own account, the bill counted once.

Sales Invoice
INV-2437
Total
PKR 53,100
Cotton fabric — Roll x 3GST 18% on top
PKR 30,000
Lawn print — 3-piece x 8GST 18% inside
PKR 17,700
GST added — 18% on PKR 30,000PKR 5,400
Settled as
CashPKR 20,000
CardPKR 23,100
Bank transferPKR 10,000
FBR Annexure C — included in this month's exportPaid in full
Sample data · as of 12 Aug 2026

GST, WHT, and the Annexure C export

Tax settings live on the product and the transaction, not in one global toggle, so a mixed cart computes correctly without edits at the counter.

GST inclusive or exclusive, per product
Mark each product's price as carrying 18% GST inside it or adding it on top. One invoice can mix both, and the GST line covers only the items it applies to.
Withholding tax as 5 fields on the invoice
Not a note in a comment box: the sales invoice carries an applicable flag, the amount deducted, the certificate number, the certificate date, and who deducted it. Those roll into the WHT Summary, where net receivable is the invoice total minus the withholding — so you chase the right figure, not the gross one.
FBR Annexure C with all 13 columns
Export Annexure C as a CSV built from the period's invoices, with all 13 columns filled under your STRN. You still file it — Polaris does not talk to FBR yet. Tax Summary and Tax Register cover the rest of the working.

13 PDF document types

Sales Invoice, Quotation, Refund, Customer Statement, Supplier Ledger and the rest of the 13 — each generated as a PDF with your logo, terms, and tax setup already on it. 5 of them go out by email straight from the app.

Sales invoice with the full breakdown
Item lines, the GST line, any withholding deducted, every leg of a split payment, and the amount still due — on a single page the customer can file away and check later.
Statements and ledgers
The Customer Statement is a period statement with running balance and aging buckets. The Supplier Ledger shows purchases, payments, and the outstanding balance per supplier.
An ad slot at the foot of every document
Each PDF can carry a paying advertiser under your own logo, watermark and terms: their logo, tagline and contact, the date window the placement runs for, and the price you charge for it, which Polaris totals as page revenue.

Quotation to invoice in one click

A quotation carries a validity period and your terms. Converting it copies every line to an invoice and updates inventory at that moment — nothing is retyped.

One-click conversion
Every line, price, and term on the quotation moves onto the invoice unchanged. Inventory is deducted when the invoice is created, not when the quote is issued.
Partial fulfilment
Deliver part of a quotation now and the rest later. One quote can produce multiple invoices, with the remaining balance tracked against the original.
Validity periods and terms
Each quotation carries an expiry date and custom terms, and prints as the same branded PDF family as the invoice it becomes.

Bundles with per-item stock deduction

Group products into a combo and price the combo. Components keep their own stock counts, so a bundle never hides what actually left the shelf.

Fixed-price or percentage-off pricing
Price a bundle as a fixed amount or a percentage off the combined price of its components. The invoice shows the saving against buying the items separately.
Per-item inventory deduction
Selling one bundle deducts each component from its own stock, and stock is validated before the bill saves — a combo cannot sell a component that ran out.

Refunds, batch runs, and currency display

The work around the invoice itself: reversing a sale with the trail intact, generating invoices in bulk, and showing amounts in other currencies.

Refunds linked to the original sale
A refund produces a replacement bill or a refund slip tied to the original invoice, so the path from sale to reversal stays on the record.
Batch invoicing
Generate a run of invoices at once, each with its own serial number, and export the whole batch as PDFs in one step.
Multi-currency display
Show document amounts in any of 15 currencies. Display only — no FX conversion is applied anywhere in the books.

Related areas of Polaris

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Split payments, GST inclusive or exclusive, and the Annexure C export land in your first week.

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