Sourced comparison
Wafeq, Qoyod and Fawtar in one table
Choose Wafeq for SAR accounting and Phase 2 on Plus. Choose Qoyod for an established Saudi accounting system with a no-card trial. Choose Fawtar for an Arabic invoice now and daily collections, accepting PayPal USD billing and that Phase 2 has no completed customer production onboarding as of the verification date.
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. Fawtar publishes this page. Last verified 2026-08-29.
Where Fawtar is clearer
- Free tools that work before signup.
- A clearer operational collections path than Wafeq’s or Qoyod’s public pages.
Where the other side is stronger
- Wafeq and Qoyod are ahead on Phase 2 maturity and no-card trials.
- Wafeq’s SAR prices are in HTML. Qoyod’s prices are in-app.
Capability table
| Criterion | Wafeq | Qoyod | Fawtar |
|---|---|---|---|
| Price | 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. | 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. |
| Intended company size | Saudi/UAE businesses and accountants, plus Enterprise. | Self-serve SMB plus sales-led Enterprise. | Freelancers and service SMEs. |
| Invoicing | Invoices and credit notes; Wafeq branding removable on Starter. Phase 2 from Plus. | E-invoicing included in SMB plans per the Help Centre. | Ordinary or tax invoice, Arabic PDF, Phase 1 QR, public generator with no signup. |
| Quotations | Quotations listed on the Saudi Starter plan. | Qoyod markets quotations as part of sales. | Arabic quotes with accept / revise / reject, then invoice and staged payments. Pro plan. |
| Collections | 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. | Payment requests, collection links, transfer proofs, receipts, a daily follow-up list, and reminder copy you send yourself. Pro. |
| Receivables aging | 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. | Customer aging (current / 1–30 / 31–60 / 61–90 / 90+) and CSV, plus a no-account calculator. |
| Accounting | Cloud accounting is the core product, with multi-entity reports on Premium. | Qoyod positions itself as a full Saudi accounting system. | Double-entry ledger with automatic posting on Business. Not a multi-company practice suite at Wafeq/Qoyod scale. |
| VAT reporting | Starter lists auto-generated tax returns. | Qoyod markets VAT reporting as part of Saudi accounting. | VAT report on Business, plus a public return estimator that does not store your figures. |
| ZATCA Phase 2 | 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. | 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. |
| Inventory | Inventory and multiple warehouses on Premium. | Qoyod markets inventory; plan limits should be checked at signup. | Stock deduction with POS on Business. Not multi-warehouse / BOM inventory. |
| POS | 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. | POS issues a simplified tax invoice with QR, deducts stock, and runs cash-drawer shifts. Business plan. |
| Payroll | Payroll management on Premium. | Qoyod markets payroll, often as an add-on. Confirm at signup. | Payroll with GOSI by nationality/scheme and a WPS file. Business plan. Not a full HRIS. |
| Project profitability | Project and cost-centre tracking from Plus. | Not publicly documented as of 2026-08-29. Project-profitability detail on a static public page. | Project margin from quotes, invoices and costs on Business, including deposit and milestone billing. |
| API | Public API docs, with an e-invoicing API on Premium. | Public REST API with ransack filters and an API-KEY header. | Documented REST + OpenAPI + MCP on Business. Filter grammar aligned with Qoyod to ease migration. |
| Webhooks | 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. | Signed webhooks for invoice and payment events, plus Google Sheets feeds. Docs are public. |
| Bank reconciliation | 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. | User-reviewed statement matching on Business. Not a direct Saudi bank feed. |
| Branches | 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. | Branches on the Business plan. |
| Cost centers | Projects and cost centres from Plus. | Not publicly documented as of 2026-08-29. Cost-centre detail in public HTML. | Cost centres on Business. |
| Mobile experience | Wafeq markets mobile use of the cloud product. | Qoyod publishes a mobile app as its own product. | A PWA in the mobile browser. No native app-store application. |
| Integrations | Stripe on Starter, Foodics on Premium, e-invoicing API on Premium. | Qoyod publishes integrations (including Salla). Use Qoyod’s current list. | Salla was tested on a real production store. Zid/Shopify/Woo paths exist. MCP, Sheets and webhooks. Not Foodics. |
| Free tier / trial | 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. | Public tools with no signup, a free account at 3 invoices/month, and a 7-day Pro trial that requires a card. |
| Arabic UX | Arabic and English as a product and site. | Arabic-first as a Saudi product. | Arabic-first RTL, with Arabic PDFs rather than mirrored English templates. Wafeq and Qoyod are Arabic too. |
| Limitations | 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. | 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. |
| Best for | 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. | A Saudi service business that needs an Arabic invoice today, then collections and a ledger, without starting on an ERP. |
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Official sources
Short questions
Who publishes this comparison?
Fawtar publishes this page. It is not a paid independent review. Check the other vendor’s official site before you buy.
Is Fawtar ZATCA-approved?
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.
Where is the other product stronger?
Wafeq and Qoyod are ahead on Phase 2 maturity and no-card trials.