.svg)
.webp)
TL;DR: The 15 accounting systems listed on ZATCA's Solution Providers Directory covered in this guide are: Oracle NetSuite with Azdan KSA E-Invoice, Daftra, Qoyod, Zoho Books, SMACC, Al-Ameen, Dafater, Nodhom, DEQA Tech, Medad ERP, MAS ERP, Software Design (Dolphin Horizon), Shumoul, Sajaya, and Wafeq. Choose based on business size, sector, ERP depth needed, and whether you prioritize a Saudi-built or international platform.
Saudi Arabia processed over 8.2 billion electronic invoices in 2025, a 64% increase from the previous year. Every one of those invoices had to pass through a compliant system connected to ZATCA's Fatoora portal. For businesses yet to reach Phase 2 integration, that mandate is approaching fast, and the accounting system you choose to handle it is one of the most consequential technology decisions your finance team will make this year.
ZATCA maintains a Solution Providers Directory listing software that has passed its technical qualification process for Phase 1 (generation and archiving) and Phase 2 (real-time integration with the Fatoora portal). ZATCA itself notes this is an indicative list, not a formal endorsement: any software that meets the technical requirements is compliant, whether or not it appears on the list. In practice, businesses use it as a starting point for vendor selection.
This guide covers 15 of the most widely deployed systems on that list, what each does, who it is built for, and where each one falls short. If your business is approaching a Phase 2 wave deadline or evaluating a new accounting platform, the distinctions below will help you choose the right system for your operation.
A Note on Phase 1 vs Phase 2
Phase 1 (Generation Phase): Required from December 2021. Businesses must generate e-invoices in a structured electronic format with a QR code and store them digitally. Traditional PDFs and paper invoices are not compliant.
Phase 2 (Integration Phase): Required from January 2023, rolling out to all VAT-registered businesses in waves based on annual revenue. Businesses must connect their accounting system directly to ZATCA's Fatoora portal via API in real time. Tax invoices are cleared by ZATCA before being sent to buyers. Simplified invoices must be reported to ZATCA within 24 hours of issuance.
Every system on this list supports Phase 1. The Phase 2 status matters more for your evaluation.
The 15 Systems at a Glance
1. Oracle NetSuite with Azdan KSA E-Invoice
Best for: Mid-market to large Saudi businesses running Oracle NetSuite or implementing it for the first time ahead of Phase 2.
Oracle NetSuite does not come with ZATCA Phase 2 integration out of the box. The compliance layer is delivered through Azdan's KSA E-Invoice for NetSuite, a native SuiteApp that connects the NetSuite invoicing workflow directly to the ZATCA Fatoora portal. This means e-invoices are generated, cleared, and archived inside NetSuite without a separate compliance platform.
Key strengths:
- Tax invoices cleared with ZATCA in real time directly from the NetSuite sales order and invoice workflow
- Simplified invoices reported to ZATCA within the 24-hour window automatically
- Cryptographic stamp and QR code applied at the transaction level inside NetSuite
- Arabic chart of accounts, Arabic invoice layout, and bilingual document support built in
- Multi-entity and multi-branch support for businesses with complex organizational structures
- Full audit trail stored in NetSuite, accessible for ZATCA inspection without exporting data
The distinction between this solution and every other entry on this list is that it operates inside an Oracle-certified ERP used by thousands of mid-market and enterprise businesses globally. There is no separate accounting platform: financials, payables, receivables, inventory, fixed assets, and ZATCA compliance all live in the same system. For businesses that have outgrown standalone accounting software, this is the compliance solution that grows with the operation.
Limitation: NetSuite requires a full implementation project to deploy. Businesses needing a rapid, low-cost setup for basic accounting and e-invoicing would find one of the purpose-built SME platforms below a faster path to compliance.
See: KSA E-Invoice for NetSuite | Book a free demo
2. Daftra
Best for: Saudi SMEs across retail, restaurants, services, and healthcare that need a full-featured cloud ERP with Arabic-first design and ZATCA Phase 2.
Daftra (دفترة) is a cloud ERP platform built for the Arabic-speaking market with support for over 50 business sectors. It covers invoicing, sales, POS, inventory, CRM, HR, and payroll under one subscription, with full ZATCA Phase 2 integration connecting directly to the Fatoora portal.
Key strengths:
- Complete ZATCA Phase 2 integration with QR code generation and cryptographic stamps
- Arabic and English interface with bilingual invoice output
- POS system integrated with the accounting module for retail and restaurant businesses
- HR and payroll module with WPS (Wage Protection System) support
- Covers 50+ business activities with sector-specific workflows
- Free trial available without a credit card
Limitation: Daftra is primarily positioned for SMEs. Businesses with multi-entity structures, complex consolidation requirements, or high-volume transactional environments would benefit from a more robust ERP.
3. Qoyod
Best for: Saudi SMEs in retail, restaurants, and professional services that prioritize a clean Arabic-first accounting interface with integrated POS.
Qoyod (قيود) is a cloud accounting platform with full ZATCA Phase 2 certification. Its product line includes the core accounting module, a POS system, and Q Flavours, a restaurant-specific cashier system designed for food and beverage operations. It is one of the most recognized Arabic-first accounting platforms in the KSA market.
Key strengths:
- ZATCA Phase 2 compliant with direct Fatoora portal integration
- POS integration allows cashier transactions to flow into accounting in real time
- Q Flavours restaurant module for food and beverage businesses
- Two versions of the accounting product: one for business owners, one for accountants
- Bookkeeping services available as an add-on
Limitation: Qoyod is a focused accounting and invoicing platform rather than a full ERP. Inventory depth, HR, and payroll require either add-ons or separate systems.
4. Zoho Books
Best for: Businesses already using other Zoho products (CRM, Inventory, Analytics) that want a compliant accounting platform tightly integrated with the rest of the Zoho ecosystem.
Zoho Books is the most internationally recognized platform on this list. It is ZATCA Phase 2 compliant for Saudi Arabia and is deployed globally with region-specific tax configurations. Its primary advantage for Zoho-using businesses is native integration with Zoho CRM, Zoho Inventory, Zoho Analytics, and over 40 other Zoho applications.
Key strengths:
- ZATCA Phase 2 integration with real-time Fatoora clearance and reporting
- Tight integration across the Zoho product suite
- Strong inventory, project billing, and multi-currency support
- Mobile accounting app for iOS and Android
- Available in Arabic and English
- Competitive pricing with a free plan for businesses under SAR 375,000 annual revenue
Limitation: Zoho Books is built for a global audience, not specifically for the Saudi market. Businesses with Saudi-specific requirements such as Zakat calculation, local WPS payroll integration, or Arabic-only interfaces may find locally developed alternatives more directly aligned.
5. SMACC
Best for: Saudi SMEs and mid-market businesses looking for a cloud ERP headquartered in Riyadh with strong local support in Arabic.
SMACC is a cloud ERP platform with its head office in Riyadh. It covers financial accounting, inventory, POS, HR, payroll, fixed assets, and ZATCA Phase 2 e-invoicing from a single platform. Its Saudi base means support is local, documentation is in Arabic, and the platform is calibrated for KSA-specific compliance from the ground up.
Key strengths:
- Full ZATCA Phase 2 integration with Fatoora portal
- Financial accounting with journals, payments, receipts, and VAT modules
- Inventory, POS, HR, payroll, and fixed assets in one subscription
- Local support team in Riyadh with Arabic-language resources
- SMACC Academy offers training courses and accredited certificates
- Available internationally with Saudi-specific compliance built in
Limitation: SMACC is positioned for SMEs and mid-market businesses. Very large or multi-national enterprises with complex consolidation, multi-GAAP reporting, or advanced project accounting needs may outgrow its feature depth.
6. Al-Ameen
Best for: Small Saudi businesses and sole traders that need a straightforward, Arabic-first accounting and warehouse management system with ZATCA compliance.
Al-Ameen (الأمين للمحاسبة والمستودعات) is an accounting and warehouse management system designed specifically for small and medium businesses in Saudi Arabia. It prioritizes ease of use with an interface calibrated for users who are not accounting specialists. It is ZATCA Phase 2 compliant.
Key strengths:
- Simplified Arabic-first interface accessible for non-accountants
- Covers accounting, warehouse, and inventory tracking in one system
- ZATCA Phase 2 e-invoicing compliance
- Designed specifically for the Saudi market with KSA-specific configurations
- Suitable for businesses with multiple branches
Limitation: Al-Ameen's simplicity is its primary appeal, which means it is not suited for businesses with advanced accounting requirements, HR functions, or complex inventory operations.
7. Dafater
Best for: Growing Saudi businesses that need a modular ERP platform with multiple product tiers matched to different business maturity levels.
Dafater (دفاتر) is a Saudi ERP platform that offers multiple product lines including Iradai (revenue management), Quwwa (a more comprehensive ERP), and FlowHub (workflow and operations management). Each product targets a different scale of business, giving growing companies a structured upgrade path within the same platform. ZATCA Phase 2 compliant.
Key strengths:
- Multiple product tiers allowing businesses to start simple and scale up
- Financial management, sales, HR, and operations across the product family
- ZATCA Phase 2 integration with Fatoora portal
- Saudi-built platform calibrated for the local market
- Covers both cloud and on-premise deployment options
Limitation: Dafater's multiple product lines can make the initial platform selection complex. Businesses that need a clearly defined all-in-one system from day one may prefer a single-product platform.
8. Nodhom
Best for: Professional services firms, real estate companies, and contractors in Saudi Arabia that need a cloud ERP with deep industry-specific modules and CRM integration.
Nodhom (نظم) is a cloud ERP and CRM platform with industry-specific modules for real estate, contracting, telecommunications and IT, professional services, and medical supply and care. It includes a ZATCA e-invoicing module and optionally integrates with Salesforce CRM for businesses that run their client relationships in Salesforce.
Key strengths:
- Industry-specific ERP modules for real estate, contracting, telecom/IT, and medical sectors
- ZATCA Phase 2 e-invoicing integration
- Salesforce CRM integration for businesses with existing Salesforce deployments
- Accounting, sales, procurement, inventory, operations, and HR in one platform
- Cloud-based with Arabic and English interfaces
Limitation: Nodhom's depth in specific industries is its advantage, but businesses outside its core industry coverage (retail, restaurant, manufacturing) may find the platform less specialized than alternatives.
9. DEQA Tech
Best for: Saudi retailers, pharmacies, medical warehouses, and commercial businesses that need a ZATCA-certified e-invoicing system with sector-specific product variants.
DEQA Tech (دقة) offers a cloud e-invoicing and business management system certified by ZATCA for Phase 2. It operates in two primary variants: Deqa for commercial businesses covering general retail and trading activities, and Deqa for pharmacy and medical warehouses, addressing the specific regulatory and inventory requirements of that sector.
Key strengths:
- ZATCA Phase 2 certified e-invoicing system
- Pharmacy and medical warehouse variant with sector-specific functionality
- Commercial variant covers retail, trading, and general business activities
- Cloud-based with Arabic-first interface
- Multiple additional services including software development and mobile apps from the same vendor
Limitation: DEQA Tech is a focused e-invoicing and business management system rather than a full ERP. Businesses that need advanced financial management, multi-entity consolidation, or HR and payroll would require additional systems alongside it.
10. Medad ERP
Best for: Small businesses in Saudi Arabia that need the simplest possible path to ZATCA-compliant accounting without complex ERP features.
Medad ERP (مداد) positions itself as easy-to-use accounting software for small and medium businesses in Saudi Arabia, ZATCA Phase 1 and Phase 2 compliant. It is built for business owners rather than dedicated accounting teams, prioritizing accessibility over feature depth.
Key strengths:
- ZATCA Phase 1 and Phase 2 e-invoicing compliance
- Simple, accessible interface for non-specialist users
- Supports multiple business activities and sectors
- Cloud-based with Arabic interface
- Focused specifically on the Saudi SME market
Limitation: Medad ERP's simplicity means it is not designed for businesses with inventory management complexity, HR requirements, or multi-branch financial consolidation.
11. MAS ERP
Best for: Saudi SMEs that need a bilingual (Arabic and English) ERP system with ZATCA Phase 2 integration and a straightforward feature set.
MAS ERP (ماس) is an ERP system developed by Batel Al-Khaleej Commercial, a Saudi software company established in 2014. It covers accounting, inventory, warehouse management, and ZATCA Phase 2 e-invoicing in an Arabic and English bilingual interface. Phase 2 integration with the Fatoora portal is complete and deployed.
Key strengths:
- ZATCA Phase 2 (Fatoora portal direct integration) complete
- Bilingual Arabic and English interface
- Covers accounting, inventory, and warehouse management modules
- Document attachment capability within records
- Unlimited user accounts with role-based access controls
- Local Saudi company with domestic support
Limitation: MAS ERP is suited to small and mid-sized businesses and does not target enterprise-scale deployments or multi-entity organizational structures.
12. Software Design (Dolphin Horizon)
Best for: Businesses with operations spanning Saudi Arabia and the Levant (UAE, Lebanon, Jordan) that need a single ERP deployed consistently across multiple regional entities.
Software Design is a consulting group headquartered in Beirut with offices in Riyadh and Dubai. Its flagship ERP products, Dolphin Horizon and Visual Dolphin, are deployed across the Middle East with ZATCA compliance for Saudi operations. The platform is particularly well suited for businesses that need the same ERP running across KSA and Levant entities.
Key strengths:
- ERP deployed across KSA, UAE, and Lebanon from the same vendor
- ZATCA e-invoicing compliance for Saudi operations
- Industry coverage across multiple sectors
- Local presence in Riyadh for on-the-ground support
- Long operating history in the region
Limitation: Software Design's strength is regional multi-country coverage, not depth in any single country's compliance ecosystem. Businesses operating only within Saudi Arabia may find locally specialized platforms offer more KSA-specific feature depth and support.
13. Shumoul
Best for: Saudi retailers, restaurant chains, and multi-branch businesses that need an all-in-one cloud platform covering POS, inventory, accounting, and operations.
Shumoul (شمول) is a comprehensive cloud business management platform covering accounting, inventory, sales, POS, and restaurant management. It is designed for businesses operating multiple branches or locations that need synchronized operations and centralized financial reporting, with ZATCA compliance built in.
Key strengths:
- Covers accounting, inventory, POS, sales, and restaurant management in one platform
- Multi-branch synchronization with centralized financial reporting
- ZATCA e-invoicing compliance
- Cloud-based, accessible from any device
- Arabic and English interface support
Limitation: Shumoul is primarily built for retail and hospitality operations. Businesses in professional services, manufacturing, or contracting would not benefit from its industry orientation.
14. Sajaya
Best for: Medium to large Saudi enterprises in manufacturing, contracting, and commercial sectors that need a bilingual ERP with a long track record of KSA deployments.
Sajaya is a KSA-focused bilingual ERP with deployments across manufacturing, contracting, retail, and commercial sectors. It includes a cybersecurity module, reflecting its positioning for more complex enterprise environments. Its reference list includes major Saudi organizations, and it has been certified as a ZATCA e-invoicing solution provider.
Key strengths:
- Bilingual Arabic and English ERP with localized KSA compliance
- ZATCA Phase 2 e-invoicing certified
- Cybersecurity module for organizations with internal IT governance requirements
- Covers manufacturing, contracting, trading, and services sectors
- Long track record of enterprise deployments in the Saudi market
- Partner ecosystem for implementation and support
Limitation: Sajaya is positioned at the mid-market to enterprise segment, making it a heavier investment than the SME-focused platforms above. Smaller businesses would find simpler platforms more cost-appropriate.
15. Wafeq
Best for: Saudi SMEs, accounting firms, and freelance accountants that need a self-service ZATCA Phase 2 setup with clean Arabic and English interfaces and strong compliance tooling.
Wafeq (وافق) is a ZATCA Phase 2 certified cloud accounting platform that allows businesses to complete the Fatoora integration entirely on their own, without external configuration or technical support from the vendor. Self-service ZATCA setup, bulk invoice upload (up to 50 invoices at once), and automated compliance status indicators make it particularly efficient for accounting firms managing multiple client accounts.
Key strengths:
- Self-service ZATCA Phase 2 integration with no external configuration required
- Compliance Check feature that identifies missing data before invoice submission
- Bulk invoice upload for high-volume users and accounting firms
- Invoices archived for up to 6 years on cloud servers
- Automatic reporting when ZATCA platform is temporarily unavailable, without losing compliance
- Available in Arabic and English with 24/7 support in both languages
Limitation: Wafeq is a focused accounting and e-invoicing platform. Businesses that need full ERP functionality, inventory management at scale, or HR and payroll would need to supplement it with additional systems.
How to Choose the Right System
1. What is your business size and accounting complexity?
Very small businesses and sole traders have different needs from growing SMEs, and SMEs have different needs from multi-entity enterprises. The simpler platforms (Al-Ameen, Medad, MAS ERP, Wafeq) are built for businesses with straightforward accounting requirements, manageable transaction volumes, and limited integration needs. Mid-market businesses with inventory, HR, multi-branch operations, or regional presence should evaluate SMACC, Daftra, Qoyod, Dafater, or Nodhom. Businesses already running or planning to run Oracle NetSuite should route their ZATCA compliance through the Azdan KSA E-Invoice SuiteApp rather than adding a separate accounting platform.
2. Do you need a Saudi-built system or are you open to international platforms?
Most systems on this list are built in Saudi Arabia or specifically for the Saudi market. Arabic-first design, local support teams, WPS payroll integration, and Zakat calculation are more consistent across Saudi-built platforms. Zoho Books and Software Design are the main international or regional options here. Both are fully Phase 2 compliant, but their support and localization depth differs from platforms built natively for KSA.
3. Is there a specific sector requirement driving your choice?
DEQA Tech addresses pharmacy and medical warehouse operations specifically. Nodhom has deep real estate and contracting modules. Qoyod's Q Flavours is built for restaurants. Shumoul is calibrated for retail and hospitality chains. Sajaya covers manufacturing and contracting at enterprise scale. If your business has sector-specific regulatory or operational requirements, a platform with existing industry depth in your sector will reduce implementation effort significantly.
Frequently Asked Questions
What does it mean for an accounting system to be "approved by ZATCA"?
ZATCA maintains a Solution Providers Directory listing systems that have passed its technical qualification process for Phase 1 and Phase 2 e-invoicing compliance. ZATCA explicitly states that this list is indicative, not a formal approval: any software that meets the technical requirements is compliant whether or not it appears on the list. In practice, businesses treat the directory as a starting point for vendor evaluation, as listed systems have demonstrated that they can connect to the Fatoora portal and generate technically compliant invoices.
What is the difference between ZATCA Phase 1 and Phase 2?
Phase 1, required from December 2021, mandates that businesses generate invoices electronically in a structured format with a QR code and archive them digitally. It does not require real-time connection to ZATCA systems. Phase 2, rolling out in waves from January 2023 based on annual revenue, adds real-time integration: tax invoices must be cleared by ZATCA before reaching the buyer, and simplified invoices must be reported within 24 hours of issuance. All 15 systems on this list support both phases.
What penalties apply for non-compliance with ZATCA Phase 2?
Penalties under ZATCA's framework can range from SAR 5,000 to SAR 50,000 per violation for non-compliance with real-time clearance and reporting requirements. Failure to generate a compliant QR code can trigger fines of up to SAR 10,000 per invoice. Repeat non-compliance can result in VAT registration suspension. These penalties make the choice of a Phase 2 compliant system a compliance obligation, not an operational preference.
Can NetSuite be made ZATCA Phase 2 compliant?
Yes. Oracle NetSuite itself does not include ZATCA compliance natively, but Azdan's KSA E-Invoice for NetSuite is a native SuiteApp that connects the NetSuite invoicing workflow directly to ZATCA's Fatoora portal. Tax invoices are cleared in real time, simplified invoices are reported within the 24-hour window, and all compliance records are stored in NetSuite for audit readiness. For businesses already on NetSuite, this is the compliance path that keeps all financial operations in a single system.
Do I need to switch accounting systems to become ZATCA Phase 2 compliant?
Not necessarily. If your current accounting system is on the ZATCA Solution Providers Directory and your vendor has completed Phase 2 integration, you may be able to remain on your current platform and activate the Fatoora integration. If your current system is not ZATCA compliant or your vendor has not delivered Phase 2 connectivity, switching to a compliant platform is the practical path. The ZATCA wave notification gives businesses a defined window to complete integration before the compliance date applies to them.
Already on NetSuite? Get ZATCA Phase 2 Compliance Built In.
For businesses running Oracle NetSuite, ZATCA Phase 2 compliance does not require a second accounting platform. Azdan's KSA E-Invoice SuiteApp connects your existing NetSuite environment directly to the Fatoora portal, with tax invoice clearance, simplified invoice reporting, cryptographic stamps, and audit trail management all inside NetSuite.
