# FatooraOnline - Full Content Reference Canonical: https://fatooraonline.com/llms-full.txt This document expands on the topics listed in the FatooraOnline llms.txt index: https://fatooraonline.com/llms.txt > This file contains the full, detailed content for every page listed in llms.txt. Use llms.txt as the index; use this file when a query needs specifics beyond a one-line summary. FatooraOnline is a cloud-based ZATCA Phase 2 Qualified e-Invoicing and Revenue Automation platform for businesses operating in the Kingdom of Saudi Arabia, developed by Abzer (https://www.abzer.com/), an enterprise technology company with 10+ years of experience in e-invoicing, revenue automation, digital payments, and enterprise software across the GCC and APAC. Hosted on Oracle Cloud Infrastructure in Jeddah, Saudi Arabia. Supported languages: Arabic, English. --- ## Home https://fatooraonline.com/ **ZATCA Phase-2 e-Invoicing & Revenue Automation - Built for Saudi Enterprises & SMEs** Go live instantly with FatooraOnline - Saudi Arabia's fastest-growing platform for secure, Phase 2 qualified invoicing and revenue automation. A product of Abzer, built with 10+ years of expertise in e-invoicing, supply chain, digital payments, and revenue automation. Trusted by banks, enterprises, and SMEs across the GCC. Compliance at a glance: - 100% ZATCA Phase 2 Qualified - QR Code, UUID, Cryptographic Stamp - Real-Time API Clearance - Hosted in Saudi Arabia (Oracle Cloud) - PDF with Embedded XML - Arabic + English Invoice Support **Beyond Invoicing - Automate Compliance. Control Revenue. Get Paid Faster.** FatooraOnline is a unified platform to issue, clear, track, and collect payments. From POS and cash/credit transactions to B2B and B2C invoicing, it supports both SMEs and enterprise-scale billing operations, combining Phase 2 compliance with automation, collections, and secure archival. What you can do with FatooraOnline: 1. Stay Compliant - Instantly and Accurately: ZATCA-compliant invoicing with QR, UUID, XML & crypto stamp in Arabic & English. Built-in POS billing screen for issuing and clearing invoices from a store, counter, POS terminal, or mobile app. Real-time ZATCA clearance with smart validation, error handling, and retry logic. 2. Automate Billing & Reduce Manual Work. 3. Collect Payments & Monitor Finances - Accounts Receivable Automation from invoice to cash: online presentment & payments (EIPP) with a customer portal and "Pay Now" links supporting partial/scheduled payments; collections & dunning with staged reminders (friendly to final) routed across email, WhatsApp, SMS, and in-app; disputes, credits & adjustments with approval-workflow credit/debit notes; cash application & allocation matching settlements to invoices automatically; bank reconciliation assist for importing bank statements; AR reporting & controls covering DSO trends, aging, statements of account, and export-ready reports. PDPL-aligned contact handling for reminders, with opt-out and frequency controls. 4. Flexibility for Any Team or System. Why teams choose FatooraOnline: - Compliance & Hosting: ZATCA Phase 2 Qualified; hosted in Saudi Arabia (OCI/ICI); real-time clearance with smart retry; secure 9-year archival with AES-256. - Business & Billing Flexibility: supports B2B, B2C, cash & credit sales; works with ERP, POS, and accounting systems; multi-branch, multi-entity, multi-currency ready; upload via manual, Excel, or API. - Automation & Simplicity: billing, dunning, and payment automation; online payment links + refund management; instant onboarding with no IT required; scales from SME to enterprise. Common challenges businesses face today (which FatooraOnline addresses): tools that don't fully fit the business (not all solutions support POS, online, B2B, B2C channels or formats); partial compliance without confidence (lack of visibility into clearance status, error handling, retry automation); storage & reporting gaps (long-term storage, searchability, and regulatory documentation often overlooked). Why FatooraOnline works better: all-in-one compliance flow (create, clear, store, manage in one connected platform); clearance to archival fully covered (every invoice validated, cleared via ZATCA API, stamped, and archived 9+ years automatically); designed for real business operations (POS, B2B/B2C, multi-currency, payment collections). Step-by-step ZATCA compliance flow: 1. Create & Submit Your Invoice - via Web Portal, Mobile App, ERP/POS (API), or Excel Upload. Supports both Standard and Simplified Tax Invoices. 2. Get Instant ZATCA Clearance - system auto-generates QR Code, UUID, Embedded XML, and Cryptographic Stamp. 3. Archive, Track & Take Action. **Enterprise-Ready Controls & Smart Automation** - Custom Approval Workflows: multi-step approvals, escalation logic, branch-level routing aligned with internal finance policies. - Advanced Alerts & Notifications: real-time alerts for failed clearances, pending approvals, payment reminders, or expiring invoices, delivered via email, WhatsApp, SMS, and in-app. - Custom Invoice Templates & Multi-Categories: customized formats for services, products, rentals, etc., each with unique layout, logic, and ZATCA compliance tagging. - Item-Based VAT Control & Mapping: apply VAT rates per item, branch, or invoice type, including exemptions and multi-rate support. **Mobile App (iOS & Android)** - for business owners, accountants, and branch teams: - Create & Send Invoices (Standard or Simplified, fully compliant) - Track ZATCA Clearance Status (approved, failed, pending) - Access Archive & Reprint (search/retrieve PDF/XML invoices up to 9+ years) - Get Real-Time Alerts (push notifications for failed submissions, payments, approvals) - Switch Branches or Entities (view/manage invoices by branch, unit, or entity within one login) - Role-Based Access (Owners, Finance Staff, Sales, Admins each see only what's relevant) --- ## Product Overview https://fatooraonline.com/product-overview/ **All-in-One Platform for E-Invoicing & Revenue Management** FatooraOnline is a fully integrated, cloud-based platform that helps Saudi businesses manage e-invoicing, automate billing cycles, streamline compliance, and control full revenue operations in one place. Adapts to workflows, structure, and industry-specific needs for small businesses through multi-branch enterprises. **Compliance & Invoicing Core** - E-Invoicing & ZATCA Clearance: Standard and Simplified Invoices; automatic UUID, QR code, and cryptographic stamp; real-time clearance via ZATCA Production APIs; embedded XML within compliant PDF formats; fully bilingual (Arabic + English). - Proforma Invoicing & Conversion: issue proforma invoices for quotation/preview; convert to ZATCA-compliant tax invoices; preserve approval or quote reference in final output. - AI-Based Invoice Chatbot: retrieve invoice history instantly through chatbot; ideal for finance teams or customer service; secure authentication with smart filtering by invoice status or date. - Invoice Categories & Templates: create multiple invoice types (tuition, rent, medical, etc.); configure layout, tax labels, and footers by template; save and reuse custom templates across branches. **Reporting & Dashboards** - Real-time compliance and revenue dashboards: clearance success/failure by invoice type or branch; invoice aging, collections, and tax liability; revenue and payment summary with filtering. - Exportable reports: VAT reporting and output-only data for filing; branch-wise invoice and rejection status; reconciliation reports for finance teams; export in Excel, CSV, or PDF. - Smart monitoring: detect spikes in rejections or clearance errors; analyze approval and reminder efficiency; dashboard-ready for executives and finance controllers. **Customer Engagement & Collection Tools** 1. Customer Portal - secure login for clients or parents to view, download, and pay invoices; branded with logo and color theme; available in Arabic and English; supports proforma viewing and history tracking. 2. Online Payment Links 3. Payment Reminder Management 4. Digital Receipts **Operational Control & Financial Flexibility** - Cancellation & Refund Management: cancel invoices (with reversal logic); process full or partial refunds with linked credit notes; compliant with ZATCA response and archival flow; internal approval tracking for reversals. - Multi-Currency Support: generate invoices in SAR, USD, AED, and more; exchange rate reference and reporting built-in; supports payment tracking in base and foreign currency; reconciliation summaries by currency. - Archival & Retrieval: ZATCA-compliant encrypted archival for 9+ years; store and retrieve PDFs, embedded XMLs, JSON response; instant search by customer name, invoice number, branch, date; download ZIP packages with all components; fully hosted in KSA (Oracle Cloud/ICI). **Billing & Revenue Automation** - Advanced Billing & Payments: manual, POS, or ERP-triggered invoicing; multi-line item support with detailed tax classification; payment tracking (paid, partially paid, unpaid); WhatsApp/SMS invoice delivery to customers; built-in refund processing and credit note issuance. - Subscription & Recurring Billing: define billing schedules (monthly, term-based, custom); auto-generate & auto-send recurring invoices; supports usage-based billing and tiered pricing. - Revenue Management Module: central dashboard for revenue lifecycle visibility; view forecasts, due payments, and payment trends; automate billing and reminders for repeat revenue; group reporting by branch, customer, or category. **Summary of Benefits:** Hosted in Saudi Arabia; fully ZATCA Phase 2 compliant; secure APIs & role-based access; Arabic + English interface; mobile app + chatbot access; ready for SME, enterprise & multi-entity use; no infrastructure required. --- ## ZATCA Compliance https://fatooraonline.com/zatca-compliance/ **Purpose-Built for Saudi Compliance** FatooraOnline ensures full, native compliance with ZATCA Phase 2 e-invoicing regulations - from invoice generation to real-time clearance and secure long-term archival. Handles simplified invoices for daily sales and standard invoices for B2B clients, including all technical validations, cryptographic stamping, XML generation, and ZATCA API submissions automatically. Compliance is built into the core of the platform, not an add-on. What you can do with FatooraOnline: - Generate both Standard and Simplified Invoices - Auto-apply UUID, QR Code, and Cryptographic Stamp - Submit invoices via real-time clearance APIs - Handle invoice chaining with cryptographic hash values - Export compliant PDFs with embedded XML (ZATCA Schema v3.2) - Maintain an audit-ready log and archival trail for 9+ years **Core Compliance Components Handled Automatically:** | Compliance Element | FatooraOnline Capability | |---|---| | UUID Generation | Unique invoice ID auto-generated per ZATCA rules | | QR Code Embedding | Printed on all Simplified Invoices (base64-encoded) | | Cryptographic Stamp | Digitally signed with private key, auto-attached | | Invoice Hash Chain | Maintains hash from previous invoice to ensure sequence integrity | | PDF with Embedded XML | Delivered in bilingual format with ZATCA-compliant schema (v3.2) | | Real-Time Clearance | Standard invoices validated directly through ZATCA Production API | | Response Archival | Stores ZATCA response JSON with timestamp | | Error Handling | Failed submissions retried automatically with alerts logged | | Arabic + English Support | All fields, line items, and metadata handled bilingually | **Technical Compliance & Real-Time Clearance Flow** FatooraOnline is fully aligned with ZATCA Phase 2 technical specifications, including API-based real-time clearance, device registration logic, and cryptographic security elements - all handled within the platform, without any middleware. Flow: Invoice Created (via manual entry, POS, ERP, or recurring engine) -> Cryptographic Stamp + Hash Applied (unique to invoice & device) -> Submission to ZATCA (real-time clearance API) -> ZATCA Response Returned (cleared or rejected) -> PDF/XML Generated (embedded QR, UUID, and ZATCA response metadata) -> Archival Begins (invoice, XML, and response file stored for 9+ years). --- ## Security & Compliance https://fatooraonline.com/security-compliance/ **Built for Saudi businesses - compliant, secure, and reliable.** **Data Security & Hosting** FatooraOnline runs on Oracle Cloud Infrastructure in Jeddah to keep invoice data inside the Kingdom. - Hosted in KSA on Oracle Cloud Infrastructure (OCI, Jeddah) - Aligned with NDMO data governance & CST (formerly CITC) security guidance - High-availability architecture targeting 99.95% monthly uptime - Modern encryption: TLS 1.3 in transit, AES-256 at rest; strict key governance **Multi-Layer Protection** - Web Application Firewall (WAF), DDoS controls & intelligent rate limiting - Real-time threat detection, alerting, and operational dashboards - Isolated dev / staging / production with least-privilege access - Secure secrets & key management; change control & traceability **ZATCA Compliance & Regulatory Alignment** As a ZATCA Phase-2 Qualified Solution Provider, FatooraOnline implements clearance and archival requirements end-to-end. - Supports Standard & Simplified invoices (UBL/XML with UUID) - Real-time clearance via Fatoora with resilient retry & queuing - QR code & cryptographic stamp applied post-clearance - Hash chaining across sequences for tamper evidence - Audit-ready archival: PDF/A-3 with embedded XML, retained 9 years **Device & Branch Controls** - Device binding & UUID management for registered devices - VAT branch assignment & multi-entity support - Comprehensive audit trail for issuance, edits, approvals & voids **Operational Reliability & Observability** - Automated retries & back-pressure queues for transient failures - Health dashboards & error tracking with root-cause insights - Exportable logs & clearance traces for investigations **Access Controls & Authentication** - Granular RBAC & Approvals: fine-grained permissions for creation, review, approval & posting; segregation of duties and time-bound scoped access; centralized policy management with audit-ready evidence. - Strong Authentication: MFA (OTP/authenticator apps) and SSO integration; hardened password policies & session management; IP allow-listing and contextual access checks (where required). - User Activity & Auditability: logs for logins, issuance, edits, approvals & deletions; searchable by user, action and time; export-ready for audits. **Certifications, Backups & Audit Readiness** - Certifications & Governance: ISO 27001 (ISMS); ISO 9001 (quality management); PDPL-aligned privacy practices, GDPR-aligned where applicable. - Backups & Continuity: daily encrypted backups with 30-day retention (configurable); periodic restore tests with documented RTO/RPO targets; disaster-recovery drills and runbooks for critical services. - Audit-Ready Evidencing: comprehensive audit logs & approval trails; export-ready clearance and payment records; time-bound, role-scoped access for external auditors. --- ## About Us https://fatooraonline.com/about/ **Who We Are. Why We Exist.** FatooraOnline is a product of Abzer, a leading enterprise technology provider in the MENA and APAC region. Abzer empowers businesses to simplify, automate, and scale their invoicing and revenue operations with ZATCA-compliant infrastructure, powerful automation, and seamless integrations. The company believes regulatory compliance should be an enabler, not a burden - FatooraOnline is built to turn mandatory invoicing into a competitive advantage. **What Drives Us** - Innovation with Purpose: bridging compliance and business growth - Customer-Centricity: product evolution driven by real user feedback - Scalability: from SMEs to enterprises - one platform, infinite scale - Trust: encrypted, audit-ready, and hosted 100% in Saudi Arabia **Our Presence** - Headquarters: Dubai, UAE - KSA Operations: Riyadh & Jeddah - Clients Across: GCC, India, APAC - Cloud Hosted on: OCI (Saudi) --- ## Industries We Serve https://fatooraonline.com/industries-we-serve/ **Industry-Aware, Not One-Size-Fits-All** FatooraOnline is designed to serve the real needs of diverse industries in Saudi Arabia - from schools and hospitals to real estate developers, retailers, and service-based businesses. The platform adapts to the unique billing, tax, and customer interaction models in each sector while ensuring ZATCA Phase 2 compliance, scalability, and operational efficiency. - **Education & Training**: term-wise fee invoicing and transport billing; parent-child account structure; recurring billing with reminders and receipts; customer portal for parents and administrators. - **Real Estate & Property Management**: rent and maintenance invoicing per unit or building; branch-wise VAT and device mapping; scheduled invoicing with auto-reminders; refund and cancellation workflows for lease adjustments. - **Healthcare & Clinics**: invoicing for treatment plans and consultations; proforma-to-tax invoice conversion for approvals; instant receipt issuance after payment; patient portal or email/WhatsApp delivery. - **Retail & E-Commerce**: real-time POS-integrated invoice generation; simplified invoices with QR and XML; bulk invoicing and reconciliation for marketplaces; gateway-based payments with instant receipts. - **Logistics & Warehousing**: generate invoices for B2B delivery services, storage, or freight; apply multi-currency or contract-based billing; real-time clearance and digital archival; integration with internal dispatch or ERP systems. - **Professional Services & Agencies**: subscription billing, retainers, and milestone-based invoicing; proforma approval workflows; digital receipts and payment tracking; custom templates per service type or contract. - **Government & Semi-Government Entities**: issue fully ZATCA-compliant invoices to departments or public bodies; multi-branch support for large frameworks; approval flows and audit-logging for all invoice actions; integration-ready with internal GRP/ERP systems. - **SMEs & Accountants**: fast onboarding for small businesses with limited IT resources; use manual or recurring billing; auto-send payment reminders and generate VAT reports; export data for accounting or tax filing. --- ## Integration Ecosystem https://fatooraonline.com/integration-ecosystems/ **Connect to the Tools You Already Use** FatooraOnline is designed with an API-first architecture that ensures smooth, secure, and scalable integration with existing business systems - including ERPs, CRMs, POS platforms, payment gateways, accounting tools, and compliance systems. **Core Integration Capabilities** - API-Driven Connectivity: invoice creation, update, cancellation; customer data sync; payment updates & status retrieval; subscription management; ZATCA-compliant submission. - Plug-and-Play Modules: API keys with permission scopes; webhooks for events; API sandbox environment; audit logs for every event. **ERP, Accounting & Payment Integrations** - ERP & Accounting Platforms: direct or API-based integration with SAP, Oracle NetSuite, Microsoft Dynamics 365, Zoho Books, QuickBooks, Tally, Sage, and more. Syncs customer & invoice data, pushes back ZATCA compliance status, and sends ERP notifications via webhooks. - Payment Gateway Integrations: pre-integrated with HyperPay, Tap, Moyasar, PayTabs, STC Pay, and Apple Pay/Mada. Supports one-time payments via link, embedded payments in the Customer Portal, and automated reconciliation. **Developer Resources & Custom Integrations** - Developer Portal: full API documentation & samples; ZATCA compliance response formats; error codes & retry logic. - Sandbox Testing: dummy VAT branches; simulate invoice clearance; ZATCA Stage 2 simulation. - Custom Integration Support: consultation & SLA onboarding; custom connector development; joint ERP testing. --- ## Contact Us https://fatooraonline.com/contact-us/ Reach out via the contact form for sales enquiries, product demonstrations, and implementation support. **UAE - Dubai** Abzer DMCC, PO Box: 337677, Mazaya Business Avenue BB1, Jumeirah Lake Towers, Dubai, United Arab Emirates Phone: +971 50 818 5200 **India - Kochi** Office 308, SCK01, 3rd Floor, Smart City, Kochi, Kerala, India --- ## FAQ https://fatooraonline.com/faq/ **Can I send recurring invoices?** Yes. The subscription billing module supports monthly, term-based, or custom frequency invoicing, with auto-generation and delivery. **What invoice types are supported?** Standard Invoices, Simplified Invoices, Proforma Invoices, Credit Notes, Partial or Full Refund Invoices, Multi-currency Invoices. **Is the platform dual language (Arabic/English)?** Yes. Invoices, dashboards, and customer interactions are available in both Arabic and English. **How are invoices delivered?** Via Email, WhatsApp, SMS, or download through the secure customer portal. **What's included in the monthly plans?** ZATCA compliance, invoice generation, PDF/XML tools, and digital archival. Additional modules like Subscription Billing or Customer Portal are available as add-ons or included in higher tiers. **Can I upgrade my plan anytime?** Yes. Plans can be upgraded, or invoice volume, messaging credits, or modules added, at any time. Charges are prorated based on usage. **Do prices include VAT?** No. Prices shown are exclusive of VAT. A 15% VAT is added at checkout, and a tax invoice is issued automatically. **Is my data stored in Saudi Arabia?** Yes. All invoice data, logs, and ZATCA response files are hosted securely on Oracle Cloud Infrastructure (OCI) within Saudi Arabia. **Do you provide data backups?** Yes. Encrypted daily backups are maintained with 30-day retention and multi-zone replication. Enterprise clients can request custom backup SLAs. **Who can access my data?** Only authorized users, based on role-based access controls (RBAC). Admins can define user roles, branch-level visibility, and permission levels. **Can I integrate FatooraOnline with my ERP or POS?** Yes. RESTful APIs and webhooks are available for invoice creation, payments, customer sync, and more, with support for SAP, Dynamics, Zoho, Tally, and others. **Do you have developer documentation?** Yes. Comprehensive API docs, sandbox access, and code samples are available for clients and partners. **Can I connect my payment gateway?** Yes. FatooraOnline integrates with multiple gateways and BNPL providers, and customers can request their preferred gateway be enabled. --- ## Invoice & Tax https://fatooraonline.com/invoiceandtax/ **Proforma Invoicing & Conversion - From Quote to Compliance in One Click** FatooraOnline simplifies the workflow by offering seamless Proforma Invoice generation with one-click conversion to ZATCA-compliant Tax Invoices. Built for industries that issue previews or quotes before billing, ensuring every estimate becomes a compliant invoice. **Proforma Invoicing Capabilities** - Create & Send: generate branded Proforma Invoices with VAT, discounts, terms & validity periods. - Approval Workflows: optionally assign approval flows before conversion into official invoices. - Use Cases: Education, Real Estate, Consulting, Clinics - seamless quoting before billing. **Convert to Tax Invoice** - One-click conversion with all details preserved - Auto-apply UUID, QR Code, Cryptographic Stamp - Real-time ZATCA clearance (standard invoices) - Proforma linked to final invoice for traceability **Audit & Traceability** - Archival: proforma and tax invoices stored securely with full search options. - Audit Trail: tracks creator, conversion timestamp, and reference IDs for compliance. --- ## Smart Payments https://fatooraonline.com/smart-payments/ **Modernize Your Collections** FatooraOnline helps Saudi businesses collect payments faster with Smart Payment Links and automated reminders - no apps, no portals - just secure, instant access to pay outstanding invoices via WhatsApp, SMS, or email. - Auto-generated payment links for each invoice - Send via WhatsApp, SMS, or email - Securely opens the invoice in a web interface - Click to pay with integrated payment gateways - Use cases: Education, Clinics, Real Estate, Retail **Payment Reminder Automation - Set It & Forget It** Fully automated payment reminders tied to due dates or aging conditions, eliminating manual follow-ups or spreadsheet tracking. - Reminder logic options: X days before due date, on due date, X days after due - Reminder channels: WhatsApp, SMS, Email - Customizable templates: branding & contact details, Arabic & English **Smart Monitoring & Tracking** - Track customers who opened links - Monitor payment attempts - Generate logs per customer **Integration with Other Modules:** Subscription Billing, Customer Portal, Revenue Management, Multi-level Approval. --- ## Template Categories https://fatooraonline.com/template-categories/ **One Platform, Many Invoice Types** Not all invoices are the same. FatooraOnline gives businesses the flexibility to define, categorize, and format different types of invoices while staying fully compliant with ZATCA Phase 2 standards. Whether tuition fees, rent receipts, clinic bills, or retainers - templates ensure every document is formatted, labeled, and archived correctly. **Define Multiple Invoice Categories** Tuition Fee Invoice, Rental Invoice, Medical Invoice, Subscription Invoice - each with assigned prefixes, workflows, and audit separation. **Custom Invoice Templates** - Flexible Layouts: design branded templates with logo, headers, footers, and tax visibility options. - QR & Compliance: enable QR codes, discounts, reference IDs, or bilingual formatting. - Reusable Styles: save and reuse invoice layouts across branches and departments. **Automation & Configuration** - Smart Defaults: set default templates by category or customer type with POS/ERP triggers. - Dual Language: maintain Arabic + English invoice formats automatically. **Reporting & Archival** - Filter by Category: quickly filter invoices by category for dashboards and reports. - Type-wise Totals: track revenue splits between tuition, rent, medical, and more. - Smart Archival: archive with searchable metadata (template ID, category, format). --- ## Customer Portal https://fatooraonline.com/customer-portal/ **Empower Your Customers. Reduce Your Workload.** A secure, branded Customer Portal offering 24/7 access, instant actions, and no support tickets. **Portal Features** - Key capabilities: view invoice history; download tax invoices; make payments securely; view or download receipts; track outstanding dues. - Optional capabilities: approve/convert proforma invoices; submit refund requests; display subscription/plan status; link multiple customer profiles; multilingual (Arabic + English). **Branding, Access & Customization** - Branded Experience: logo, color scheme, welcome message, custom portal URL. - Access Control: login via email/OTP, role-based access, SSO integration. - Configurable Views: choose what customers see, payment methods, VAT summary. **Industry Use Cases** - Education: parents pay tuition, link multiple students, download receipts. - Real Estate: tenants view rental invoices, pay online, get reminders. - Healthcare: patients pay bills, upload claim proof, download receipts. - Corporate: branches manage invoices, assign sub-users, bulk payments. **Payment Integration & Notifications** - Payment capabilities: accept Mada, cards, Apple Pay, STC Pay; show due date before confirming; allow partial or auto-debit payments. - Notifications & alerts: email/WhatsApp reminders; confirmation on payment; alerts for new invoices. --- ## Cancellation & Refunds https://fatooraonline.com/cancellation-refunds/ **Compliance-Ready Reversals. Seamlessly Tracked.** FatooraOnline provides built-in tools to manage invoice cancellations, credit notes, and refund processing while maintaining full compliance with ZATCA Phase 2. **Invoice Cancellation** - Cancel invoices directly from the dashboard or API - Cancellation reason required (customizable list) - All cancellations recorded with timestamp, user ID, invoice reference - ZATCA response tagged and archived - Clearance reversal sent if already submitted to ZATCA - Smart validations: cancellation is prevented if payment has been recorded (unless refunded); optionally triggers credit note creation post-cancellation **Credit Note Issuance & Refund Processing** - Create full or partial credit notes linked to the original invoice - Apply against customer account or trigger refund processing - Record refund method (Bank, Card, Cash, Wallet, Manual) - Optional multi-level approval (e.g., refund > SAR 1,000) - All credit notes archived with links to the invoice and refund event **Use Cases Across Industries** | Industry | Example Use Case | |---|---| | Education | Term withdrawal before invoice due date | | Retail | Customer returns goods post-payment | | Healthcare | Cancel a pre-issued treatment estimate | | Real Estate | Adjust for early lease termination | **Workflow Integration** - Automatically updates revenue dashboards and tax summaries - Shows cancellation/refund ratio by branch, category, or customer - Reversed invoices flagged to prevent reporting errors - Notifications to approvers or finance on high-value reversals **Audit-Ready & ZATCA-Compliant** - All actions logged and traceable - Archival includes reversal flags and ZATCA metadata - XML and PDF updates reflect cancellation/credit accurately - Searchable by invoice ID, customer, reason, or amount Data security for this module: compliant with Saudi CITC & NDMO requirements, 99.95% uptime target, AES-256 & TLS 1.2+ encryption, WAF, DDoS protection & rate limiting, real-time intrusion detection, isolated dev/staging/production environments. --- ## Reporting & Dashboards https://fatooraonline.com/reporting-dashboards/ **From Data to Decisions** A robust suite of live dashboards and exportable reports gives instant visibility into invoicing, revenue, compliance, and customer payment activity - built for finance teams, department heads, and auditors to monitor performance, identify risks, and make fast, ZATCA-compliant decisions. **Interactive Dashboards** - Invoicing Summary (issued, cleared, rejected) - Collection Status (paid, partial, overdue) - Revenue Breakdown (by category, branch, customer type) - Clearance Success/Failure Rate (ZATCA) - Top Unpaid Customers / Aged Invoices - Upcoming Recurring Billing & Renewals - Approval Flow Status (pending/approved) Every widget is real-time, clickable, and filterable. **Exportable Reports & Scheduled Deliveries** - Export formats: Excel (.xlsx), CSV, PDF, JSON (for API-integrated systems) - Key report types: VAT Output Summary; Invoice Register (by branch, type, status); Payment Collections Report; Refund & Adjustment Log; ZATCA Clearance Response Log; Customer-Wise Billing Summary; Device/Branch Activity Summary **Custom Reporting, Filters & Smart Insights** - Custom filters: invoice status (Paid, Unpaid, Rejected); customer type or tag; branch/device; invoice category (Tuition, Rent, Clinic, etc.); date range or fiscal period - Segmented views: performance per customer group or business unit; collections by payment method; revenue segmentation by service type; identify high-risk accounts via overdue trends - Smart insights: auto-flag anomalies (e.g., high rejection rate); highlight top/underperforming categories; export insights as visual snapshots or raw data --- ## Revenue Management https://fatooraonline.com/revenue-management/ **One Platform for Total Revenue Lifecycle** A comprehensive Revenue Management solution built to automate and oversee every part of the revenue process - from billing and approvals to payment tracking, forecasting, and compliance. - Recurring Billing: automate one-time, recurring, or usage-based billing models. - Multi-Branch Operations: centralized revenue visibility across all branches. - Revenue Intelligence: track and forecast cashflow in real time. **Core Revenue Management Capabilities** - Revenue Configuration & Policy Control: define revenue sources by service, unit, or category; automate billing (recurring, one-time, usage); configure discounts, taxes, and tiers. - Plug-and-Play Modules: API keys with permission scopes; webhooks for events; API sandbox environment; audit logs for every event. - Approval-Based Revenue Flow: set approval thresholds; control revenue recognition timing; multi-level workflows by region/amount. **Real-Time Dashboards & Revenue Forecasting** - Live dashboards: billed vs. collected revenue; real-time invoice status; filters by branch, customer, stream. - Forecasting tools: MRR projections; revenue-at-risk alerts; refund impact analysis. **Collections, Adjustments & Refund Oversight** - Integrated collection monitoring: track per-invoice payment status; visual aging analysis (0-90+ days); automated overdue alerts. - Adjustments & refunds: trigger credit notes & reversals; auto-log cancellation reasons; instant dashboard reconciliation. **Compliance, Reporting & Audit Trail** - ZATCA Compliance: invoices stamped with UUID, QR, XML & secure signatures. - Audit Log & Archival: every action timestamped & securely stored for 9+ years. - Advanced Reporting: export reports (CSV, Excel, PDF) and schedule deliveries. --- ## Billing & Payments https://fatooraonline.com/billing-payments/ **More Than Just an Invoice** A fully configurable billing engine that adapts to how the business operates - manually, via ERP, POS, or automated workflows. Designed for multi-branch enterprises, high-volume retailers, educational institutions, healthcare providers, and more - fully compliant with ZATCA regulations. **Billing Modes Supported** - Manual Entry: create invoices from web/mobile dashboard; dynamic templates with dropdowns & reusable items; add customer details, taxes, discounts. - POS-Connected Billing: trigger invoices from cashier/POS terminals; real-time PDF & QR code for Simplified Invoices; print instantly or send via WhatsApp/SMS. - ERP/API-Based Billing: issue invoices via ERP or RESTful API; map categories, item types, tax rules; status updates, failure handling, retry. **Smart Tax Handling & Line Item Flexibility** - Line item-level configuration: add unlimited items per invoice; custom labels (Service Date, Batch #, etc.); unit pricing, quantity x rate; discount per item or per invoice; tax-inclusive or exclusive pricing. - Dynamic tax classification: assign tax per line (5%, 15%, 0%, exempt, reverse); default tax codes per product/service; VAT breakdown on PDF/XML; ZATCA schema auto-validation. Ideal for mixed invoices - retail, service, composite. **Payment Status Tracking & Reconciliation** - Real-time payment status: Paid, Partially Paid, Unpaid, Overdue; methods: Cash, Transfer, Card, Wallet, Cheque; auto-updated from gateway or link; manual override with role-based access. - Reconciliation tools: match payments to invoices; outstanding balances by customer/branch; track payment age & history; export Excel/CSV, API sync with accounting. **Communication Channels & Distribution Methods** - Multiple channels: Email (branded PDFs, attachments); WhatsApp direct sharing; SMS with payment links; Customer Portal downloads. - Branded output: logo, address, color theme; custom header/footer messages; attachments (terms, docs); dual language (Arabic + English). - Delivery tracking: track delivery & views; see who downloaded invoice; resend/escalate if unpaid. --- ## Subscription & Recurring Billing https://fatooraonline.com/subscription-and-recurring-billing/ **Simplify Repeat Billing** Fully automates recurring invoicing cycles - monthly, quarterly, by term, or usage-based - for schools, clinics, property managers, SaaS providers, and more, eliminating manual follow-ups, reducing errors, and staying ZATCA-compliant every time. **Invoice Generation, Approval & Delivery** - Auto-invoice generation: auto-generated on schedule (no user action); includes customer details, items, tax, UUID, QR, XML; fully compliant with ZATCA Phase 2. - Optional approval workflows: multi-level approval (if enabled); amount-based approval rules; status visible in billing dashboard. - Automated delivery: email, WhatsApp, SMS, or Portal; per-customer delivery preference; with or without payment link; logs every delivery attempt & status. **Billing Frequency & Schedule Configuration** - Flexible recurrence: monthly/quarterly/annual; custom schedules (e.g. every 10 days, 2nd Wednesday); start & end dates with auto-expiry; per customer, service, or product cycles. - Setup options: apply to individuals or customer groups; set billing amount, discounts, tax, due dates; define retry logic for failed attempts; associate with invoice templates. **Reporting, Tracking & Forecasting** - Recurring revenue dashboard: MRR tracking; scheduled vs. issued count; collected vs. pending revenue; customer-wise billing summary. - Invoice tracking: generated, delivered, paid, failed; filter by date, plan, customer; export for audit/accounting. - Subscription health: failed generation logs; retry attempts & outcomes; expiring subscriptions; payment trend analysis. --- ## Multi-Level Approval Workflow https://fatooraonline.com/multi-level-approval-workflow/ **Structured Approvals Made Easy** Empowers finance, operations, and compliance teams with a configurable multi-level approval workflow ensuring every invoice follows internal policy - streamlining processes without sacrificing control. **Key Features** - Flexible workflow configuration: define approval stages by amount, type, branch, or segment; assign roles: Initiator, Reviewer, Approver, Controller. - Approval methods: single, sequential, or parallel approvals; auto-escalation for delays; conditional bypass for low-value invoices. - Smart workflow automation: auto-trigger (approvals start automatically when invoice is created); notifications (email, WhatsApp, and in-app alerts keep approvers informed); approvals (approve, reject, or comment, with history saved in audit logs); transparency (status always visible on invoice records and dashboards). **Business Use Cases** | Industry | Use Case | |---|---| | Education | Finance Manager approves term invoices before parent notification | | Healthcare | Doctor initiates, Admin reviews, Finance approves procedure billing | | Retail | Branch manager initiates refund invoice, HQ approves | | Corporate | Invoices above SAR 10,000 require CFO approval | **Security & Audit Control** - Role-based permissions - users only see what's relevant - All approval actions logged with timestamp and role - Logs exportable for audits or ZATCA inquiries - Real-time dashboard shows Pending / Approved / Rejected --- ## AI Invoice Chatbot https://fatooraonline.com/ai-invoice-chatbot/ **Invoicing Meets Intelligence** An integrated AI-powered chatbot allows finance teams or customers to retrieve, review, and interact with invoices using natural language queries - whether it's a finance team needing a PDF for audit, or a parent looking for a tuition invoice via WhatsApp. No logins, no delays - just smart invoice access on demand. **What the Chatbot Can Do** - Retrieve invoice by customer name or number - Fetch latest unpaid or paid invoice - Submit invoices via real-time clearance APIs - Handle invoice chaining with cryptographic hash values - Export compliant PDFs with embedded XML (ZATCA Schema v3.2) - Maintain an audit-ready log and archival trail for 9+ years **Available Channels:** Embedded in Web Dashboard (directly accessible from FatooraOnline's dashboard), WhatsApp Business, and other channels. **Secure, Role-Based Access** - Customer verification via mobile/email - Finance team login linked to VAT branches - Logs all queries for audit and reporting - Read-only, cannot modify invoices **Use Cases by Role** | Role | Chatbot Use | |---|---| | Accountant | "Get unpaid invoices for January" | | Parent | "Show me school invoice for [child's name]" | | Customer | "Send my latest invoice" | | Finance Admin | "List invoices cleared last week" | --- ## Multi-Currency https://fatooraonline.com/multi-currency/ **Currency Flexibility** Supports full multi-currency invoicing, enabling businesses that deal with international clients, multi-national branches, or cross-border collections to issue and reconcile invoices in the currency that fits their operations - while reporting in SAR for ZATCA compliance. Bill globally, stay locally compliant. **Currency Configuration & Invoice Setup** - Currency setup includes: default company currency (SAR for KSA compliance); allowed currencies per branch or customer group; FX rate reference (manual entry or automatic sync via API); display of both billing and reporting currency on invoices. - On the invoice: currency label shown on line item and total; tax displayed in local currency (SAR); exchange rate reference auto-included; all formats (PDF, XML) reflect currency info. **Common Use Cases** | Business Type | Currency Scenario | |---|---| | Education | Invoice in AED or USD for international parents | | Consulting | Issue retainers in USD or EUR | | Retail | Accept payments in local or tourist currencies | | Real Estate | Bill tenants in SAR, AED, or linked contract value | **Real-Time Reconciliation & Reporting** - Payments tracked in original currency and SAR equivalent - Collection dashboards show both actual and converted amounts - Export reports per currency or as consolidated SAR view - Useful for treasury and cross-border audit support **Compliance Safeguards** - Always stores original and base currency amount - All tax and ZATCA archival logs kept in SAR - XML and PDF formats reflect dual currency logic - Dual-language support (Arabic + English)