# Best ZATCA-Compliant E-Invoicing Software in Saudi Arabia 2026 *Phase Two now covers most taxpayers, so the question is no longer "do I need a compliant system" but "which one fits". We compared Snad, Qoyod, Daftra, Wafeq and Zoho Books against ZATCA's own criteria.* > **In short:** Compare Snad, Qoyod, Daftra, Wafeq and Zoho Books on ZATCA Phase Two compliance, Fatoora integration, digital signatures, XML and official 2026 pricing. - **URL:** https://www.snad.io/en/blog/afdal-barnamaj-fatura-electroniya-zatca - **Arabic original:** https://www.snad.io/blog/afdal-barnamaj-fatura-electroniya-zatca - **Category:** Comparison — Business Systems - **Tags:** E-Invoicing, ZATCA, Software Comparison, VAT, Fatoora platform, Qoyod, Wafeq - **Published:** 2026-07-11 - **Updated:** 2026-09-15 - **Publisher:** Snad (snad.io) Choosing ZATCA-compliant e-invoicing software is no longer a question of "who prints a QR code". The Phase Two waves now reach most VAT-registered businesses, and what they demand is a real technical connection to the Fatoora platform, with a digital signature and XML. This documented review (August 2026) compares five serious systems: Snad, Qoyod, Daftra, Wafeq and Zoho Books — their official pricing, how deep their compliance goes, the common mistakes that turn into fines, and a decision guide based on how your business actually operates. ## What does ZATCA actually require? Saudi e-invoicing — run by the [Zakat, Tax and Customs Authority (ZATCA)](https://zatca.gov.sa/) — comes in two fundamentally different phases: - **Phase One (generation, since December 2021):** issue invoices electronically in a structured format with a QR code. The era of paper and hand-written invoices is over. - **Phase Two (integration, in waves since January 2023):** connect your invoicing system technically to ZATCA's Fatoora platform, using a digital signature and XML format (or a PDF/A-3 container carrying it), and send tax invoices for clearance before sharing them. The waves have progressively swept in taxpayer brackets by revenue until they covered most VAT-registered businesses. The practical takeaway: if you are registered for VAT, you are either already inside a wave or on your way into one. Software that stops at a QR code is no longer enough. [Our detailed page on the two phases](/zatca) sets out the requirements in a comparison table. ## How to choose invoicing software - **Documented Phase Two compliance:** a working connection to the Fatoora platform with a digital signature and XML — not a vague "ZATCA compliant" line on a marketing page. - **Invoicing inside your system, not alongside it:** invoicing software that sits apart from your books means double entry and gaps between your invoices and your return. - **The full set of invoice types:** tax invoices and simplified tax invoices, plus credit and debit notes linked to their original invoices exactly as ZATCA requires. - **Return readiness:** does the [VAT return](/tools/finance/vat-calculator) come out of the same system? - **The full price of compliance:** some systems fold Phase Two into their plans, others put it in a higher tier. Compare the price of the plan **that switches integration on**, not the cheapest advertised plan. ## The five candidates at a glance **[Snad](/zatca)** — e-invoicing built into the full system: cleared invoices with a digital signature, XML and a QR code, connected to the Fatoora platform. They are generated straight from [your sales and your till](/pos) and posted to [your books](/accounting) the moment they are issued. Integration is included on the Basic (SAR 149 per month) and Pro (SAR 399) plans, with pricing published in SAR and a 7-day trial. **[Qoyod](https://www.qoyod.com/)** — states compliance with ZATCA requirements within its Saudi accounting suite, with no maximum limit for invoices, entries or customers on its plans (Qoyod help center — August 2026) and its prices on its pricing page — a solid option if accounting and invoicing are all you need. **[Daftra](https://www.daftra.com/)** — Phase Two from its Advanced plan (SAR 155 per month), while Basic (SAR 95) covers "Phase One" (Daftra's pricing page — August 2026), inside software that serves several Arab markets. **[Wafeq](https://www.wafeq.com/ar-sa)** — a clear focus on Saudi compliance, with pages dedicated to Phase Two, a documented e-invoicing API, and a certified partner and accountant programme (plans start from SAR 99 per month per Wafeq's own pages — August 2026). **[Zoho Books](https://www.zoho.com/sa/books/)** — Phase Two e-invoicing is included from the Standard plan (SAR 60 per month on annual billing, excluding local taxes), with a permanent free plan while revenue stays within SAR 200,000 (Zoho's Saudi page — August 2026) — the strongest price if accounting and invoicing on their own are enough. ## The full comparison table Per the official websites — August 2026: | Criterion | Snad | Qoyod | Daftra | Wafeq | Zoho Books | |---|---|---|---|---|---| | Phase Two | ✓ built in on Basic and Pro | compliant with ZATCA requirements | from the Advanced plan (Basic: Phase One) | pages dedicated to Phase Two | from the Standard plan | | Entry price | SAR 149/month | on Qoyod's pricing page | SAR 95/month (Advanced 155) | from SAR 99/month | SAR 60 (annual, excluding tax) | | Ready VAT-return report | — (VAT shows in the trial balance) | could not be documented | could not be documented | could not be documented | could not be documented | | Invoicing straight from the till | ✓ inside the software | paid POS add-on | ✓ | POS not listed among its products | could not be documented | | Accounting behind the invoice | ✓ | ✓ | ✓ | ✓ | ✓ | | Payroll and HR in the same software | ✓ | payroll is a paid add-on | ✓ | payroll in the top tier | separate Zoho product | | Pricing currency | SAR | SAR | SAR | SAR | SAR | ![Comparison of ZATCA-compliant e-invoicing software 2026](/images/blog/einvoicing-saudi-matrix-2026.svg) ![E-invoicing software pricing in Saudi Arabia 2026](/images/blog/einvoicing-saudi-pricing-2026.svg) ## Beyond the invoice: the return and the books A cleared invoice is only half of compliance. The other half is that your invoices match your VAT return and your books on the day an auditor asks: - **Isolated invoicing is a silent risk:** software that issues cleared invoices with no books behind it means a manual quarterly reconciliation between two systems — and a good chance of a difference nobody can explain. - **Automatic posting is your safety net:** when every invoice becomes a journal entry the moment it is issued (and in [Snad](/accounting) that happens even from the till), each invoice's VAT shows in the trial balance, and preparing your return becomes aggregation rather than a reconciliation project. - **Retention and archiving:** ZATCA's requirements include keeping electronic invoices intact and retrievable. Check the retention and export policy of whichever provider you pick. Hence our standing advice: do not buy "invoicing software". Buy a compliant accounting system in which the invoice is one of the natural outputs. ## Common mistakes that cost you fines - **Stopping at the QR code:** that covers Phase One only. If an integration wave applies to you, what is required is a working connection to the Fatoora platform. Check which wave you fall into through ZATCA's notifications — it informs taxpayers months before the deadline. - **Assuming every plan is the same:** with some providers, platform integration sits in a tier above the one you bought. Ask for written confirmation that your specific plan includes Phase Two integration. - **Neglecting credit notes:** returns require an electronic credit note linked to the original invoice. Software that does not handle them correctly will land you in trouble at your first sale season. - **Invoices issued outside the system:** an "exceptional" invoice from Word or Excel outside your compliant system is a violation in itself. Every invoice comes out of the system, with no exceptions. - **Leaving the switch to the last minute:** setup and testing need a comfortable few weeks, not the night the mandate starts — and fines cost far more than any annual subscription. ## Decision guide - **You want accounting and invoicing only, at the lowest cost:** Zoho Books (SAR 60 per month on annual billing, with Phase Two from that plan) or Qoyod (no maximum limit for invoices). A sound decision for small service businesses. - **An accounting firm, or a business driven by the VAT return:** Wafeq, with its focus on Saudi compliance and its partner programme for accountants, with plans from SAR 99 per month (per Wafeq's own pages — August 2026). - **A business selling through a till, or running inventory and staff:** invoicing is not an island for you. An integrated system that makes every invoice — from the till or from sales — cleared and posted automatically is cheaper and safer: [Snad from SAR 149 per month](/pricing) with a 7-day trial, or Daftra with its broad scope. - **In every case:** during the trial, issue a tax invoice, a simplified invoice and a credit note, confirm they reach clearance, and generate the return. That complete cycle is the product you are actually buying. And remember that the final reference for any requirement is the [official Zakat, Tax and Customs Authority website](https://zatca.gov.sa/) — not vendor articles, ours included. ## Frequently asked questions ### What is the best ZATCA-compliant e-invoicing software in Saudi Arabia? All five systems state e-invoicing compliance, and the difference is the plan the integration starts on and what sits around it: Zoho Books has Phase Two from Standard (from SAR 60 per month on annual billing), Daftra from its Advanced plan, Wafeq a clear compliance focus with plans from SAR 99, Qoyod no maximum limit for invoices, and Snad suits anyone who wants invoices generated from their till and their sales and posted to their books automatically inside one system, from SAR 149 per month. ### What is the difference between Phase One and Phase Two of e-invoicing? Phase One (since December 2021) required invoices to be issued electronically in a structured format with a QR code and put an end to hand-written invoices. Phase Two (in waves since January 2023) added the technical connection: integrating your system with ZATCA's Fatoora platform, a digital signature, XML or PDF/A-3 format, and sending tax invoices for clearance before sharing them. Its waves have progressively covered most VAT-registered businesses. ### How do I know whether my business is included in the Phase Two waves? ZATCA sets the waves by taxable revenue and formally notifies the taxpayers included months before the deadline. Check your registered business email, ZATCA's messages and your account on its portal. With successive waves reaching progressively lower revenue brackets, the safe assumption for any VAT-registered business is that it is either included or will be soon — so get your system ready early. ### How much does e-invoicing software cost? Per the official websites in August 2026: Zoho Books from SAR 60 per month on annual billing (excluding tax, with Phase Two from that plan), Daftra from SAR 95 per month (with Phase Two from Advanced at 155), Snad from SAR 149 (with integration included from that plan), and Wafeq from SAR 99 per month; Qoyod's prices are on its pricing page. What matters is comparing the price of the plan that actually switches Phase Two integration on, not the cheapest plan on the page. ### Can I still issue invoices from Excel or Word under e-invoicing? No. The e-invoicing regulations require every invoice to be issued from a compliant electronic invoicing system, and invoices written by hand or in a word processor outside the system are a violation that can expose you to fines even when the data on them is correct. Put every sale through the compliant system, including exceptional cases, and use credit and debit notes inside the system for corrections. ### Is e-invoicing required from small businesses that are not registered for VAT? The obligation falls on businesses registered for VAT: Phase One has covered all of them since December 2021, and Phase Two covers them gradually in waves by revenue. Businesses not registered for VAT (below the mandatory registration threshold of SAR 375,000 in annual taxable revenue) are not bound by the e-invoicing system, but getting close to the threshold is a reason to prepare early — and the final reference is ZATCA's official website. --- ## About the publisher **Snad (سند)** — a private Saudi software company based in Madinah, founded 2025. Legal form: Sole proprietorship. Commercial registration: 7038154642 VAT number: 310959226500003 Only official domain: snad.io > Snad is a private commercial business-management platform. It is not a > government body, not a bank, and not a government services portal, and it > is not affiliated with any government entity. Any site or app with a > similar name is unrelated to Snad.