Best for invoicing and collections
Fawtar
A no-signup invoice generator, then payment requests, transfer proofs, a daily queue and aging on Pro. That path is in the product, not only in marketing copy.
A framework, not an ad ranking
Best accounting and invoicing software in Saudi Arabia — by job, not by logo
There is no single best system. Wafeq and Qoyod are stronger as established cloud accounting with relatively mature Phase 2. Daftra is broader operationally. Zoho Books has the cheaper SAR entry. Odoo and SMACC sit closer to ERP. Fawtar fits Arabic invoicing and collections with free tools — not as an ERP, and not as a claimed ZATCA-approved solution.
Fawtar at fawtar.app is an independent Saudi product. It is not ZATCA’s Fatoora platform, not Fatoora.app, not Oman’s Fawtara programme, and not Jordanian Fawtara products.
Evaluation criteria
- 1. Saudi localisation: language, 15% VAT, ordinary vs tax invoice
- 2. Phase 1 versus Phase 2 — not one interchangeable word
- 3. Accounting depth versus collections clarity
- 4. Price transparency and the real checkout currency
- 5. API, webhooks, and docs that do not require a login
- 6. Inventory, POS, payroll, branches — included or add-on?
Recommendations by job
Best for accounting firms
Wafeq or Qoyod
Both market accountant workflows and multi-entity work more clearly, with no-card trials and a longer presence. Fawtar has an accountant path but it is newer and narrower.
Best for ERP customisation
Odoo
Manufacturing, inventory, website and customisation outrange any Saudi invoicing SaaS here. Real cost is implementation.
Best for broad ecommerce operations
Daftra, or Zoho Books with Shopify
Daftra is an operations suite. Zoho lists Shopify on Premium. Fawtar has a production-tested Salla path, but it is not a commerce platform.
Best for very small businesses
Zoho Books (free plan) or Fawtar (no-account tools)
Zoho has a perpetual SAR free plan. Fawtar has an instant PDF with no signup, then three invoices/month. Wafeq and Qoyod start on a trial then a paid plan.
Best for project-based service businesses
Fawtar or Zoho Books Professional
Fawtar ties quote acceptance, deposits, milestone invoices and project margin. Zoho lists project profitability from Professional.
Best for retail / POS
Daftra, SMACC or Odoo
These systems market POS as a core product. Fawtar has simplified POS on Business, not a full retail stack. Wafeq does not document POS on its Saudi pricing page.
Best for enterprises
Odoo, SMACC, or Wafeq Enterprise
Pricing is custom or implementation-led. Fawtar does not claim to be an enterprise system.
Full table
| Criterion | Fawtar | Wafeq | Qoyod | Daftra | Zoho Books | Odoo | SMACC |
|---|---|---|---|---|---|---|---|
| Price | Free: SAR 0 for up to 3 invoices/month with a watermark. Pro: 12.99 USD/month via PayPal after a 7-day trial (about SAR 49). Business: 25.99 USD/month (about SAR 99). Fawtar has no mada/SAR rail for its own subscriptions as of 2026-08-29. | Saudi pricing page: Starter SAR 119/month or SAR 99/month billed annually (SAR 1,190/year); Plus SAR 149 / 119 (SAR 1,430); Premium SAR 249 / 199 (SAR 2,390). Enterprise on request. Verified 2026-08-29. | Not publicly documented as of 2026-08-29. List prices render in the in-app plan selector, not as static HTML. The Help Centre describes multiple SMB tiers; time-limited offers are not treated as list prices here. | Daftra’s own pricing article lists Basic SAR 99/month (SAR 75 billed annually), Advanced SAR 159 (119), Comprehensive SAR 199 (159). The /en/plans page exists but prices are JavaScript-rendered. Article checked 2026-08-29. | Zoho Books Saudi page: Free SAR 0; Standard SAR 69 / 60 annual; Professional SAR 129 / 90; Premium SAR 159 / 120; Elite SAR 349 / 280; Ultimate SAR 799 / 660 per org/month. Verified 2026-08-29. | Not publicly documented as of 2026-08-29. Pricing depends on apps, users, hosting and implementation. | Not publicly documented as of 2026-08-29. The public site advertises a 14-day trial and does not publish a list subscription price. |
| Intended company size | Freelancers and service SMEs. | Saudi/UAE businesses and accountants, plus Enterprise. | Self-serve SMB plus sales-led Enterprise. | SMEs that want a wide operations suite. | From solopreneurs (free) up through Elite/Ultimate. | SMEs to enterprises, depending on implementation. | Businesses wanting a full accounting ERP. |
| Invoicing | Ordinary or tax invoice, Arabic PDF, Phase 1 QR, public generator with no signup. | Invoices and credit notes; Wafeq branding removable on Starter. Phase 2 from Plus. | E-invoicing included in SMB plans per the Help Centre. | Invoicing on all plans; Basic caps invoices and customers per Daftra’s article. | Invoices and quotes from Free; Phase 2 listed from Standard. | Invoicing/accounting apps exist and typically need setup. | The site lists tax e-invoices in sales modules. |
| Quotations | Arabic quotes with accept / revise / reject, then invoice and staged payments. Pro plan. | Quotations listed on the Saudi Starter plan. | Qoyod markets quotations as part of sales. | Quotations are a Daftra sales module. | Quotes are listed on the Free plan. | CRM/Sales supports quotations once configured. | The site lists quotations in purchases and sales. |
| Collections | Payment requests, collection links, transfer proofs, receipts, a daily follow-up list, and reminder copy you send yourself. Pro. | Wafeq is accounting-and-invoice led. Day-to-day collections workflow is not the pricing-page centrepiece. | Qoyod is a full accounting system; operational collections should be verified in-product. | Daftra lists follow-up and installments under sales modules. | Reminders and online payments exist in the Zoho suite, not an Arabic-first collections queue. | AR depends on which apps are implemented. | The site lists accounts receivable inside financial accounting. |
| Receivables aging | Customer aging (current / 1–30 / 31–60 / 61–90 / 90+) and CSV, plus a no-account calculator. | Wafeq advertises 40+ financial reports. Aging detail is not specified on the pricing page. | Not publicly documented as of 2026-08-29. An aging report in Fawtar’s exact buckets. | Not publicly documented as of 2026-08-29. Aging in the same period buckets. | Zoho Books includes accounting reports; bucket-level aging is in product docs, not the price card. | Accounting reports exist after the module is set up. | AR is listed; aging buckets are not detailed on the public page. |
| Accounting | Double-entry ledger with automatic posting on Business. Not a multi-company practice suite at Wafeq/Qoyod scale. | Cloud accounting is the core product, with multi-entity reports on Premium. | Qoyod positions itself as a full Saudi accounting system. | Chart of accounts, assets and cost centres in the accounting modules. | Full cloud books; assets from Professional, budgets/cash-flow from higher plans per the page. | Customisable ERP accounting. | GL with multi-currency, multi-branch and real-time statements, per the site. |
| VAT reporting | VAT report on Business, plus a public return estimator that does not store your figures. | Starter lists auto-generated tax returns. | Qoyod markets VAT reporting as part of Saudi accounting. | Tax modules span several countries; Saudi is one market. | VAT tracking and returns listed from Standard. | Depends on the accounting app and Saudi localisation installed. | The site lists VAT and quarterly returns. |
| ZATCA Phase 2 | A Phase 2 integration path exists on the Business plan: device onboarding with a Fatoora OTP, simplified-invoice signing, and Reporting/Clearance routes. As of 29 August 2026 no customer has completed production onboarding end to end, and Fawtar is not described as a ZATCA-approved or listed solution. | The Saudi pricing page puts Phase 2 e-invoicing on Plus and above, not Starter. Homepage copy describes Phase 1 invoices as following ZATCA requirements. That is Wafeq’s wording, not a ZATCA certificate we restate. | Help Centre says SMB plans include Phase 2-compatible e-invoicing. Qoyod has a longer operational presence than Fawtar in this market. | Daftra’s product pages state ZATCA certification for both phases. Treat that as Daftra’s claim and confirm against ZATCA’s own lists before buying. | The Saudi pricing page lists e-invoicing Phase 2 from Standard. Zoho markets Phase 2 support in its Saudi materials. | Not publicly documented as of 2026-08-29. Out-of-the-box Saudi Phase 2 without an implementer. Depends on the module and partner. | The site states ZATCA Phase 2 with UUID, QR and Fatoora integration. |
| Inventory | Stock deduction with POS on Business. Not multi-warehouse / BOM inventory. | Inventory and multiple warehouses on Premium. | Qoyod markets inventory; plan limits should be checked at signup. | Products, purchasing and stocktaking modules. | Inventory from Professional; warehouses and serial/batch from Premium/Elite. | Inventory is one of Odoo’s stronger apps. | The site lists warehouse/inventory management. |
| POS | POS issues a simplified tax invoice with QR, deducts stock, and runs cash-drawer shifts. Business plan. | Not publicly documented as of 2026-08-29. A native POS on the Saudi pricing page. | Qoyod markets POS as a product or add-on. Inclusion versus paid extra is not static on public HTML. | Daftra markets POS and a POS app, including no-device-limit claims in marketing materials. | POS is a separate Zoho product, not Books itself. | A mature POS app inside Odoo. | The site lists POS/cashier. |
| Payroll | Payroll with GOSI by nationality/scheme and a WPS file. Business plan. Not a full HRIS. | Payroll management on Premium. | Qoyod markets payroll, often as an add-on. Confirm at signup. | HR and payroll modules are part of the suite. | Payroll is Zoho Payroll, a separate product. | Employees/payroll apps depend on localisation. | The site lists HR and payroll. |
| Project profitability | Project margin from quotes, invoices and costs on Business, including deposit and milestone billing. | Project and cost-centre tracking from Plus. | Not publicly documented as of 2026-08-29. Project-profitability detail on a static public page. | Work orders and time tracking under operations. | Project profitability from Professional on the pricing page. | Projects and analytic accounting are an Odoo strength. | Not publicly documented as of 2026-08-29. A dedicated project-profitability module on the public page. |
| API | Documented REST + OpenAPI + MCP on Business. Filter grammar aligned with Qoyod to ease migration. | Public API docs, with an e-invoicing API on Premium. | Public REST API with ransack filters and an API-KEY header. | A public developers portal. | API access is listed on the pricing page. | Rich external XML-RPC/JSON-RPC APIs. | Not publicly documented as of 2026-08-29. API detail on the public marketing site. |
| Webhooks | Signed webhooks for invoice and payment events, plus Google Sheets feeds. Docs are public. | Not publicly documented as of 2026-08-29. Signed webhooks as a standalone pricing-page capability. | Not publicly documented as of 2026-08-29. A public webhook catalogue as explicit as Fawtar’s. | Not publicly documented as of 2026-08-29. A public webhook event list. | Automation/webhooks exist in the Zoho platform; details are in docs. | Automations and webhooks depend on apps. | Not publicly documented as of 2026-08-29. Webhooks on the public site. |
| Bank reconciliation | User-reviewed statement matching on Business. Not a direct Saudi bank feed. | Bank reconciliation on Starter. Direct Saudi bank feeds are mentioned on Wafeq’s Enterprise comparison copy. | Qoyod markets bank reconciliation; confirm plan limits at signup. | Treasury and bank accounts sit in accounting. | Bank feeds listed from Standard. | Bank matching is part of accounting. | Bank accounts are listed; feed detail is not on the public page. |
| Branches | Branches on the Business plan. | One branch on Plus, unlimited on Premium, with paid extra branches. | Wafeq claims Qoyod caps branches and charges per location. That is a competitor claim; verify on Qoyod. | Wafeq says Daftra charges extra per branch; confirm on Daftra. | Business customisation from Professional; multi-company is higher tiers. | Multi-company/multi-branch once configured. | Multi-branch with consolidated reports, per the site. |
| Cost centers | Cost centres on Business. | Projects and cost centres from Plus. | Not publicly documented as of 2026-08-29. Cost-centre detail in public HTML. | A published cost-centres module. | Project tracking and reporting from Professional up. | Native analytic accounts. | Not publicly documented as of 2026-08-29. Cost centres on the public page. |
| Mobile experience | A PWA in the mobile browser. No native app-store application. | Wafeq markets mobile use of the cloud product. | Qoyod publishes a mobile app as its own product. | Business, POS and expense apps are listed. | iOS, Android and desktop apps are listed on the pricing page. | Mobile apps vary by module. | Browser use is mentioned on the trial page. |
| Integrations | Salla was tested on a real production store. Zid/Shopify/Woo paths exist. MCP, Sheets and webhooks. Not Foodics. | Stripe on Starter, Foodics on Premium, e-invoicing API on Premium. | Qoyod publishes integrations (including Salla). Use Qoyod’s current list. | An apps marketplace and Salla linkage appear in service plans. | Zoho ecosystem plus Shopify (up to two stores) on Premium. | A large app store. | Not publicly documented as of 2026-08-29. An integrations catalogue on the public site. |
| Free tier / trial | Public tools with no signup, a free account at 3 invoices/month, and a 7-day Pro trial that requires a card. | 14-day trial, no credit card. No perpetual free plan on the Saudi pricing page. | 14-day trial, no card. No perpetual free plan documented in the Help Centre. | 14-day trial, no card. Enterprise pages mention starting on a free plan; the cap was not clear in the extracted HTML. | A genuine free plan for solopreneurs/micro businesses, plus trials on paid plans. | Self-hosted Community is free; Odoo Online is paid. | 14-day full-module trial with no card, per the trial page. |
| Arabic UX | Arabic-first RTL, with Arabic PDFs rather than mirrored English templates. Wafeq and Qoyod are Arabic too. | Arabic and English as a product and site. | Arabic-first as a Saudi product. | Arabic and English across several markets. | Arabic RTL is available; the product is global-first. | Arabic translations exist; localisation quality depends on the partner. | The site claims 13 languages including Arabic. |
| Limitations | Subscriptions are PayPal USD with a card. Phase 2 has no completed customer production onboarding. Customer WhatsApp is not operationally enabled pending template approval. No third-party ratings republished here. | Phase 2 is not on Starter. Payroll and inventory sit on Premium. No native POS documented on the pricing page. | List prices are not on a static marketing page. Payroll/POS/branch add-ons need confirmation at purchase. | Lower-plan invoice/customer caps, JavaScript-rendered prices, and a multi-country focus. | Phase 2 is not on Free. Payroll and POS are separate products. Arabic collections are not the product centre. | Needs implementation. Total cost is larger than an invoicing subscription. | No public list price. Closer to ERP than to a free invoice tool. |
| Best for | A Saudi service business that needs an Arabic invoice today, then collections and a ledger, without starting on an ERP. | A business that wants SAR-priced cloud accounting, Phase 2 on Plus, and a longer market presence. | A business that wants a well-known Saudi accounting system with Phase 2 in the SMB plan. | An operational business that wants POS, CRM and HR in the same suite as invoices. | A business that wants SAR pricing, a real free plan, and the Zoho ecosystem. | An organisation that needs ERP customisation and will pay for implementation. | A business that wants an accounting ERP with a Saudi office and a full trial before pricing. |
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