ERP for retail & pos. Counter, cash drawer and back office on one product.
Every sale, every drawer and every dollar of the day's takings on one set of books, checked before the shop shuts.
From December 2026How does Kinnow help a retailer? A counter sale takes stock off the shelf and posts the takings to the books by itself. The drawer is counted by a person and the difference is recorded, not hidden. Drawer Watch then looks for the till or the cashier that is short again and again. Nothing is filed, paid or posted without a person.
Singapore edition, from December 2026. Nothing on this page is live in Singapore today. The ready-made setup for Retail and POS (we call it an industry pack) is already built into the product. We apply it with you when the edition opens.
Your business in one paragraph
A shop earns its money in small pieces: a few hundred bills a day across cash, card and wallets, each store with its own drawer, its own discounts and its own shelf. The books, the stock register and the bank statement are usually written up later by someone who was not at the counter, and the gap between the counter and the books is where shrinkage and arguments live. Three things keep a retail owner awake.
The drawer that is short, and nobody knows when
A shortage found at the end of the week cannot be traced to a shift. By then the cashier has changed and the receipts are in a bag.
Discounts with no trail
Each store gives its own discounts. Margin leaks at the counter and shows up only as a lower month.
A shelf the books cannot see
One store stocks out while another sits on the same item. Without store-level stock, the reorder is a guess.
If one of these is your month, we can show the same three problems on a store like yours.
How your month runs on Kinnow
The month is a loop of small days. These are the steps, with the application that does each and the point where a person signs.
| # | Step | Who | Application | Where a person signs |
|---|---|---|---|---|
| 1 | Register each counter against a store and its warehouse | Store manager | Sell (till) | Counter code is fixed once set |
| 2 | Open the drawer; one open shift per counter | Cashier | Sell (till) | Opening is recorded with the cashier |
| 3 | Ring up the basket. Kinnow prices each line and works out GST on the discounted amount; the basket is refused if the payments (cash, card, wallet) do not add up | Cashier | Sell (till) | A sale over your limit waits for approval |
| 4 | Stock comes off the counter's warehouse; the takings post to the ledger by payment type | Automatic | Stock & Ship, Account | None; every posting is traceable to the sale |
| 5 | Void a wrong sale before the count, or refund after it; both reverse stock and ledger | Cashier, then manager | Sell (till) | Manager above the limit; approver recorded |
| 6 | Count the drawer. The expected cash is worked out from the shift's own sales; the person types the count | Cashier | Sell (till) | The shortage or excess is posted when the shift closes; a manager signs it off |
| 7 | Tie the day: takings against cash counted and against the card totals typed in; open drawers named | Store manager, accounts executive | Sell, Account | The day's cross-check only prepares; a person signs off the day |
| 8 | Replenish: forecasts and slow movers drive reorders and inter-branch transfers | Procurement officer | Buy, Stock & Ship | Purchase orders above the limit need approval |
| 9 | Month-end close, the quarter's GST F5 and payroll with CPF for store staff | Finance head, accountant | Account, Comply, People | Journals above the limit need approval; return signed by a person |
What the industry setup puts in place
The Retail and POS setup is built into the product. It switches on 7 safeguards, 4 sign-off routes, 9 report codes, 11 Ask Kinnow starters, 9 agents and 21 step-by-step routines, such as counter to day close. The figures are starting values you change, set in Singapore dollars with you in the first week.
| Limit | Effect | Why it is there |
|---|---|---|
| Counter invoice over your limit | Needs approval | Either a genuine bulk order or a keying error |
| Sales order over your limit | Needs approval | A bulk deal, not a walk-in |
| Campaign budget over your limit | Needs approval | Direct-to-consumer spend is the most elastic cost in retail |
| Campaign with no audience | Blocked | A campaign with no audience has no consent behind it |
| Manual journal over your limit | Needs approval | Moves the books without a source document |
| Credit limit; corporate or bulk lead over your limit | Warning | Granting credit and big leads deserve a manager's eye |
Ready-made routines include Counter to day close, Till to banked, Price change to shelf, Replenishing the shelf, Customer return to credit, Invoice correction by credit note and Stock count to write-off.
Agents for retail and POS
Drawer Watch
Looks across shifts, not at one day. It tells apart a till that is short in one direction every time, a cashier who is short across different tills, and a till that is never out by a cent, which is more often a drawer balanced to the screen than one counted.
Stock Forecaster
Forecasts demand for the next 30, 60 and 90 days for each item and warehouse, with a suggested safety stock and reorder point. It never acts on its own.
StockSlow-mover Detector
Finds stock that has not moved for a set number of days and ranks it by the money tied up in it, so you can review it.
BuyReorder Planner
Recommends how much to reorder and when. It skips an item that already has a draft reorder open, and it never raises a PO by itself.
Every agent is validated with each client before it works on their books, and every output waits for a person. Also in the setup: a day-sheet cross-check and a cash-limit alert for a drawer holding more than your limit; both prepare and post nothing.
Ask us to run the day close on a week of your own bills.
Statutory and compliance calendar for a retailer (Singapore)
Kinnow prepares the working; a person confirms and files. Dates are not printed here because the authorities set and change them.
| Obligation | What Kinnow prepares | What stays with you |
|---|---|---|
| GST F5 return (quarterly) | Boxes 1 to 8 of the F5 (the quarterly GST return) for the quarter, from the sales invoices, credit notes and purchase bills in your books; a credit note reverses its line. Kinnow prices each line at 9 per cent, zero-rates a customer outside Singapore and carries a short exempt list. The calendar puts each return one month after its quarter ends, from the accounting cycle IRAS (Singapore's tax authority) gave you; it refuses to guess the cycle. | A person reviews every box and files through the IRAS portal with their own CorpPass (the government login for businesses) login. Kinnow does not submit it. A Singapore adviser checks the box layout against the current IRAS form before the first filing. |
| Tax invoices | The Singapore country setup holds the checks for a tax invoice: a valid GST registration number or UEN (company registration number), date, serial number, the GST amount, and the words Tax Invoice on a full tax invoice (a simplified invoice is allowed up to S$1,000 including GST). A reverse-charge supply that also charges GST is refused. | The finance lead decides which invoices are simplified and which supplies are reverse-charge. |
| CPF and the Skills Development Levy (monthly) | Payroll works out CPF (the Central Provident Fund contributions) by age band, on the ordinary-wage ceiling, and the employer's Skills Development Levy, on each payslip. It needs a recorded date of birth and citizen or permanent-resident status, and lists anyone it had to skip. It withholds no income tax: Singapore has no PAYE for citizens and permanent residents. | Payment and submission to the CPF Board happen outside Kinnow. IR8A, IR8S, Appendix 8A (the yearly employee pay statements) and the monthly CPF submission are named in the Singapore setup as filings; Kinnow does not prepare or submit them. |
| ACRA annual return, AGM, estimated chargeable income, corporate tax return | Tracked as registrations on your company, each with the due date Kinnow works out and a lead time before it. The AGM and the annual return are two items, because they run on two clocks. | The company secretary and finance head confirm every date against ACRA (the company registrar) and IRAS, and file. |
What the owner sees
These are the questions that come with the setup, ready to type into Ask Kinnow. Each answer shows its source and what it will cost before it runs. Veil, our privacy layer, holds back bank, tax and ID numbers and swaps names for placeholders before an AI call. It covers Ask Kinnow and most agents today; the rest are being added.
| Ask Kinnow | Source report |
|---|---|
| What were today's sales, store versus online? | Sales register |
| What did we take at the counter today? | Till shift reconciliation |
| Which tills are short at the end of the day? Which cashier's drawer never matches? | Till shift reconciliation |
| Which products are running out of stock? | Stock valuation |
| How did the last campaign convert, and what did it cost? | Campaign register |
| How many contacts can we actually message? | Message delivery and contact registers |
See the cash variance by till on your own stores, not on sample numbers.
Applications switched on
Your words, on day one: counter sale, split tender, cash shift or drawer, and day close.
Questions
Does the counter keep working if the internet drops?
No. The counter needs a connection to Kinnow. What the till does guard against is a repeat: each sale carries a reference from the counter, so if the same sale is sent again after a dropped connection it is recorded once, not twice. There is no offline mode.
Does a POS sale update stock and the ledger automatically?
Yes. When a sale is completed, stock is taken off the counter's warehouse and the takings are posted to the ledger, each payment type in its own account, with the GST in the tax payable account. A void or refund reverses both. If a line is sold with no stock on hand, the sale stands and that line is skipped for stock, so a count or a correction fixes the shelf.
What happens when the drawer is short?
The shift closes anyway and the shortage is recorded against the till and cashier, and posted to Cash Shortage. Nobody can balance a drawer to the system by holding the shift open. A person signs off the shortage, and Drawer Watch looks for a pattern across shifts.
Who can void or refund a sale?
A void is possible only while that shift is still open; after the count the answer is a refund, paid out of the shift open now. Above the limit your company sets, a manager has to do it, and the approver is recorded. If no limit is set, every void and refund needs a manager.
How long to set up a store?
About two weeks to first results for one company, counted from when your Singapore edition is switched on in December 2026: masters and opening balances in the first week, agents switched on and a first close in the second. Several stores go live one at a time.
Does it work on a phone or tablet?
It works in the phone browser, and the till runs in a browser. There is no separate mobile app.
Show me Kinnow for retail & pos.
Answer three questions. Get the applications, the agents and a two-week plan for your business.