Qoyod is natively integrated with the ZATCA platform — e-invoices in XML/UBL 2.1, mandatory QR, cryptographic stamp, and real-time exchange with ZATCA. Zero extra setup, zero compliance risk.

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ZATCA Phase 2 INV-EGS-2026-3892

Business

Al-Noor Trading Co.

VAT 300012345600003

Total

⃁ 12,650.00

Including 15% VAT, SAR 1,650.00

XML Hash (UBL 2.1)

a4f9...7c11...2e80...d3fa

Cryptographic Stamp Valid ✓

Real-time clearance 0.4s

Full ZATCA compliance

Real-time clearance

The market

E-invoicing in Saudi Arabia — no longer optional

ZATCA requires businesses to link every invoice in real time. Qoyod provides this integration natively, ready from day one, with no extra work on your end.

Officially ZATCA-certified

Qoyod is officially ZATCA-certified and meets every Phase 2 e-invoicing requirement.

25K+

Saudi businesses trust Qoyod

to issue Phase 2-compliant e-invoices and run their accounting with full automation.

Phase 2

Ready from day one

Approved XML, QR code, digital signature, and real-time submission to Fatoora — all native inside Qoyod.

The way	Risks and problems	Other accounting software	RecommendedQoyod solution
Manual invoices (PDF / Excel)	Not Phase 2 compliant at all — no approved XML No digital signature No compliant QR Risk of penalties from ZATCA	Limited support for Phase 2 requirements Needs third-party add-ons for the digital signature	Approved XML + digital signature + automatic QR + real-time Fatoora submission — in one click.
Generic foreign accounting software	Doesn't support ZATCA requirements No Fatoora integration Reliance on fragile, unsupported third-party add-ons	Non-native Fatoora integration No approved XML issued out-of-the-box	Built in Saudi Arabia for Phase 2 — Fatoora integration is native, not bolted on.
Waiting until mandate is enforced	Penalties can reach thousands of riyals per invoice Operations halt on the compliance deadline Losing B2B customer trust	Requires complex technical setup to be ready No real-time updates for ZATCA changes	Ready today — start issuing compliant invoices from minute one, with no worry about official deadlines.

The current way

Manual invoices (PDF / Excel)

Risks and problems

Not Phase 2 compliant at all — no approved XML
No digital signature
No compliant QR
Risk of penalties from ZATCA

Other accounting software

Limited support for Phase 2 requirements
Needs third-party add-ons for the digital signature

Recommended

Qoyod solution

Approved XML + digital signature + automatic QR + real-time Fatoora submission — in one click.

The current way

Generic foreign accounting software

Risks and problems

Doesn't support ZATCA requirements
No Fatoora integration
Reliance on fragile, unsupported third-party add-ons

Other accounting software

Non-native Fatoora integration
No approved XML issued out-of-the-box

Recommended

Qoyod solution

Built in Saudi Arabia for Phase 2 — Fatoora integration is native, not bolted on.

The current way

Waiting until mandate is enforced

Risks and problems

Penalties can reach thousands of riyals per invoice
Operations halt on the compliance deadline
Losing B2B customer trust

Other accounting software

Requires complex technical setup to be ready
No real-time updates for ZATCA changes

Recommended

Qoyod solution

Ready today — start issuing compliant invoices from minute one, with no worry about official deadlines.

Solution

Everything you need for compliant e-invoicing — native inside Qoyod

Six integrated capabilities — approved XML, QR, digital signature, real-time submission, status tracking, and B2B/B2C support.

Issue an invoice in ZATCA's official format (XML)

Qoyod builds the UBL 2.1 / ZATCA-compliant XML file automatically — every field in the right place, with no input from you.

QR code embedded automatically

Every invoice ships with a QR code carrying ZATCA's required fields (VAT number, date, total, VAT, and hash).

Approved digital signature (Cryptographic Stamp)

Every invoice is digitally signed with the certificate tied to your business, ensuring data integrity and tamper-proof records.

Real-time send to Fatoora

The invoice is sent in real time to the official Fatoora platform for Clearance or Reporting — with no downloads or manual uploads.

Track each invoice's status

A clear status for every invoice: sent, approved, or rejected — with the rejection reason and one-click resend.

Tax and simplified invoice support

Qoyod issues both types together: B2B tax invoices via Clearance, and B2C simplified invoices via Reporting — automatically based on the customer type.

UBL 2.1 / XML Invoice #INV-2026-0820

ZATCA QR code

Electronic tax invoice

UUID: 8a4f-e7c2-...

Digital signature (Hash)

a4f8…d6e2…9c1b…

Cryptographic Stamp active

QR + digital stamp

How it works

Four steps between you and a ZATCA-approved invoice

No change to how you work — Qoyod handles every compliance step behind the scenes.

Create your invoice in Qoyod as usual

Pick the customer, add items, calculate VAT — exactly as you do today. No extra steps.

Qoyod builds XML + QR + the digital signature

Behind the scenes, the approved XML is built, the hash is computed, and the QR is generated alongside the digital signature — automatically.

Real-time submission to Fatoora

Qoyod sends the invoice to ZATCA instantly — Clearance for tax invoices, Reporting for simplified — and gets a response within seconds.

Receive your approved invoice ready to go

Certified PDF/A-3 with embedded XML — ready to send to the customer, signed, compliant, and recorded in your account.

Real-time clearance 5 invoices today

ZATCA send status, today

INV-2026-0820