ZATCA e-invoicing, issued and cleared for you.
OIKON's AI Accountant issues Fatoora-compliant Phase 2 invoices, with the QR code, UUID and cryptographic stamp, clears them with ZATCA, and ties them to your VAT return. Consult it free on any plan.
What ZATCA Phase 2 requires
Phase 2 (Integration) is more than adding a QR code to a PDF. These are its actual requirements.
A compliant e-invoice (XML)
Phase 2 invoices must be generated in the ZATCA XML (UBL 2.1) format, carrying a UUID, the invoice hash and a cryptographic stamp. A human-readable PDF/A-3 with the XML embedded is what you share.
A QR code + cryptographic stamp
Every invoice carries a QR code and a cryptographic stamp tied to your onboarded device, so the authority and your buyer can verify it is genuine and unaltered.
Clearance for standard (B2B) invoices
A standard tax invoice must be cleared with ZATCA in real time, before you share it with the buyer. The authority stamps it and returns it; only the cleared copy is valid.
Reporting for simplified (B2C) invoices
A simplified invoice, the point-of-sale receipt you give a consumer, is reported to ZATCA within 24 hours of issue rather than cleared beforehand.
Integration with the Fatoora platform
Your system must onboard a cryptographic device with ZATCA and talk to the Fatoora platform over its API, the "Integration" phase. Manual portal entry is not Phase 2 compliance.
Onboarding in your wave
ZATCA integrates taxpayers in waves by annual revenue and notifies each group of its go-live date at least six months ahead. Missing your wave carries penalties.
How OIKON handles it
E-invoicing is a capability of the AI Accountant, not a separate tool bolted onto your books.
Issues the compliant invoice
The AI Accountant generates the Fatoora-compliant e-invoice with the UUID, hash, QR code and cryptographic stamp, from the same ledger that holds your books. No hand-built XML.
Clears and reports
It clears your standard invoices with ZATCA before they reach the buyer and reports simplified invoices within the 24-hour window, so both invoice types stay compliant automatically.
Ties invoices to VAT
Because invoices post to a real double-entry ledger, your 15% VAT return is built from the same cleared invoices, input reconciled against output, and drafted for your one-tap approval.
Bilingual, no separate portal
Invoices render in Arabic and English, and the whole flow lives inside OIKON, no bouncing between a separate e-invoicing portal, your accounting file and your inbox.
Consult it now, or hire it
Consult the Accountant
Ask it about your ZATCA obligation, your wave, or the difference between a standard and a simplified invoice, and get a grounded answer on any plan, including Free.
Hire the Accountant
Turn on the always-on teammate: it issues and clears invoices, reconciles, and prepares your VAT return for you. In early access, start free and we will invite you.
Frequently asked
Is ZATCA Phase 2 e-invoicing mandatory in Saudi Arabia?
Yes. ZATCA e-invoicing (Fatoora) is mandatory for VAT-registered businesses. Phase 1 (Generation) has applied since December 2021, and Phase 2 (Integration) rolls out in waves by annual revenue, with each wave notified at least six months before its go-live date.
What does ZATCA Phase 2 actually require?
Phase 2 requires invoices generated in ZATCA XML (UBL 2.1) with a UUID, invoice hash, QR code and cryptographic stamp; integration with the Fatoora platform over its API; real-time clearance of standard (B2B) invoices before sharing; and reporting of simplified (B2C) invoices within 24 hours.
Does OIKON integrate with the Fatoora platform?
OIKON's AI Accountant issues Fatoora-compliant e-invoices with the required QR code, UUID and cryptographic stamp and clears them with ZATCA, so you do not build XML or key invoices into a separate portal by hand.
Do I still need a separate e-invoicing portal?
No. The invoice is created, cleared or reported, and posted to your books in one place. Because it lands on a real double-entry ledger, the same data feeds your VAT return, so nothing is re-keyed between systems.
What is the difference between a standard and a simplified invoice?
A standard (B2B) tax invoice must be cleared with ZATCA in real time before you send it to the buyer; only the cleared copy is valid. A simplified (B2C) invoice, the receipt you give a consumer, is reported to ZATCA within 24 hours of issue instead. The AI Accountant handles both.
What does it cost to use OIKON for ZATCA e-invoicing?
You can consult the Accountant free on any plan, including Free, to understand your obligations and prepare invoices. Hiring the always-on proactive bookkeeper that issues, clears and reconciles for you is 149 SAR/month and currently in early access.
E-invoicing is one job of the AI Accountant inside the AI Operating System that Cosmo runs.
Put ZATCA on autopilot.
Start free, set up your books, and issue your first compliant invoice today.
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