← Blog Business 8 min read · 17 September 2026

Can a Saudi business still invoice from Excel or Word? What ZATCA requires, and what to use instead

A spreadsheet invoice template on one side and a signed e-invoice with its QR code on the other
The template can hold every field. It cannot sign the invoice, chain it to the last one or send it to the Authority.

Short answer: no. Since Phase 1 began on 4 December 2021, ZATCA has required invoices to come from a compliant e-invoicing solution: an invoice written in a text editor such as Word is not an e-invoice, and a spreadsheet template cannot meet the rules either, because it lets anyone change an issued invoice or restart the numbering. Once your business reaches its Phase 2 wave, every invoice must also be an XML document with a UUID, a hash chain, a cryptographic stamp and a QR code, cleared or reported through ZATCA's Fatoora platform — none of which an Excel or Word file can produce.

What was required before Phase 2

Phase 1, the generation phase, applies to every business subject to VAT, non-resident taxpayers excluded. ZATCA's preparation page tells businesses to stop issuing manual invoices: handwritten invoices and invoices written with text-editing tools are not e-invoices, and neither is a paper invoice scanned into a file.

ZATCA's detailed e-invoicing guidelines then list functions a compliant solution must not have, and they describe a spreadsheet: altering or deleting an issued invoice, resetting the counter, running more than one invoice sequence, access without a unique login. An issued invoice is cancelled only by a credit note and a new invoice. And the readable invoice must be in Arabic, with any other language alongside.

What Phase 2 checks, and why a spreadsheet cannot produce it

Phase 2, the integration phase, has been applied in waves since 1 January 2023. It asks for a different kind of object: structured data, stamped, chained to the invoice before it, and seen by the Authority. Your clients are businesses, so what you issue is almost always a standard invoice, cleared before it reaches them.

What Phase 2 requiresWhat an Excel or Word invoice has
An XML document; the PDF a client reads is only a rendering of itAn .xlsx or .docx file, or a PDF of one
A UUID generated for each documentOnly the number you typed
An invoice counter that rises with every document and is never resetA number that can be skipped, repeated or restarted
The previous invoice's hash, chaining each document to the one beforeFiles that know nothing of each other
A cryptographic stamp: by the solution on a simplified invoice, by the Authority when it clears a standard oneA logo and a scanned signature
A QR code of eight fields, three of which exist only after stampingNo code, or a Phase 1 code pasted in as a picture
Clearance before a standard invoice reaches the buyer; reporting within 24 hours for a simplified oneEmailed the moment it is saved
No editing or deleting once issued; corrections by credit or debit noteAnyone with the file can overwrite it
The signed XML kept for six yearsA folder of files

Are you in scope yet, and when

The Authority brings businesses into Phase 2 in groups, by VAT-taxable revenue. Crossing a group's threshold in any one of its reference years puts you in it, and a later fall in revenue does not take you out.

GroupVAT-taxable revenue aboveIn any ofIntegration
24375,000 SAR2022, 2023, 2024By 30 June 2026, now passed
25187,500 SAR2022, 2023, 2024, 2025Before 1 February 2027

187,500 SAR a year is roughly 15,600 SAR a month; earlier groups had higher thresholds and earlier dates. ZATCA notifies the email address and mobile number registered for the establishment, not your personal inbox. You may connect before your date, and early is when an incomplete address or a mistyped VAT number costs nothing.

Below every threshold so far? Phase 2 has not reached you, but Phase 1 has, and the move you make now is the one Phase 2 will require anyway.

Three honest ways off the spreadsheet

  1. Accounting software connected to Fatoora. Right if you also need the bookkeeping: inventory, financial statements and returns built from your invoices, or an accountant who already works in a package. Otherwise you pay for a ledger you will not open.
  2. An invoicing service connected to Fatoora. Right if the template's real job was producing invoices and the books live elsewhere. It issues, stamps, clears and archives; your bookkeeping does not change. Phase 2 requires an invoicing solution, not a general ledger.
  3. Your own integration. Only if you run your own system and have a developer: certificates, XML signing, the counter and hash chain, renewals. What a direct integration really involves has the full list.

Not an option: keeping the template, adding a QR image and sending the PDF.

Moving from Excel: a checklist

  1. Your own details, from the national address. VAT number, commercial registration and all six address elements: street, building number, district, city, postal code, country. A missing element returns BR-KSA-09, a warning: the invoice clears with the gap on record.
  2. Your customer list. Legal name as registered, national address, and a VAT number of fifteen digits beginning and ending with 3. A malformed one rejects the invoice (BR-KSA-44, an error), so check any number you doubt with the VAT number lookup, which shows the name it is registered to. Keep the list as a sheet: it becomes your import file.
  3. What you bill. Service names, unit prices and the wording clients' accounts departments match against contracts: written once, picked each month.
  4. Numbering. Behind the number a client reads, a compliant system keeps its own counter: digits only, never reset, never typed by you (BR-KSA-33 and BR-KSA-34, both errors). Record your last spreadsheet number and the date you switched, tell regular clients if the number format changes, and stop issuing from the template that day.
  5. Your old invoices. Keep the files as issued: they are the record of those sales. Re-entering them would issue a second tax invoice for a sale that already has one. Correct old invoices before you switch: a new system may not accept a credit note against an invoice it never issued.
  6. Language. An English-only template has to go. Arabic is required; English can sit beside it.

Who this is not for

  • Cafés, restaurants and walk-in shops. Counter sales take simplified receipts from a point-of-sale system that reports to the Authority itself. There is no gap here to fill.
  • A business that needs full accounting. Take the first option above.
  • A company already running an ERP. Connect it through an API rather than retyping its invoices.

Where ZATCA Tools fits

ZATCA Tools is the second option. Connecting takes one OTP from the Fatoora portal: we build the certificate request, run the compliance invoices and obtain the production certificate, and check your address before the code is spent. Standard invoices are cleared before you send them and simplified ones reported; the signed XML is archived for six years and downloadable; rejections come back with the official code, linked to a guide for the common ones.

For the checklist: customers import from CSV or .xlsx with a downloadable template, with English or Arabic headings, and a row with a malformed VAT number is listed by line instead of imported. Lines save as items. Invoices run from INV-2026-00001, starting again each year while the counter underneath never resets, and a draft takes its number only when issued. Quotations with a validity date and an acceptance link convert into invoice drafts. Credit and debit notes attach only to invoices issued here, never to spreadsheet-era ones. Receipt vouchers mark each invoice paid, partly paid or unpaid, and reports and per-customer statements export as CSV or PDF. Documents print in Arabic with English alongside, and you can issue from a phone's browser.

What it is not: an accounting system. No ledger, journals, inventory, payroll or recurring invoices, and SAR only. It starts free — 50 invoices or 30 days, whichever comes first, counted from the day you connect — then a paid plan. Start here, or read the Phase 2 walkthrough first.

Frequently asked questions

Can I still use Excel to make invoices in Saudi Arabia? +
Not as your invoicing system. Since Phase 1 began on 4 December 2021, invoices must come from a compliant e-invoicing solution, and ZATCA's guidelines forbid what any spreadsheet allows: changing or deleting an issued invoice, restarting the numbering, running more than one sequence. From your Phase 2 wave, each invoice must also be an XML document with a UUID, a hash chain, a cryptographic stamp and a QR code, cleared or reported through the Fatoora platform. Excel stays useful for one job: holding the customer list you import into the new system.
Is an invoice made in Microsoft Word valid for ZATCA? +
No. ZATCA's Phase 1 guidance says invoices written using text-editing tools are not e-invoices, and a paper invoice scanned or copied into a file is not one either. Every mandatory field can be on the page and it still does not qualify, because the rules are about how the invoice was produced: by a compliant solution and, under Phase 2, stamped and sent to the Authority.
Do I need software for ZATCA Phase 2? +
Yes: a compliant e-invoicing solution onboarded to the Fatoora platform, because a Phase 2 invoice is a stamped XML document transmitted to the Authority. It does not have to be accounting software. The requirement is the invoicing solution, not a general ledger, so a business whose books are kept by an accountant can use an invoicing service and leave the bookkeeping as it is.
My business is not in a Phase 2 wave yet. Can I keep my template until it is? +
Phase 1 already applies to every business subject to VAT, and it has required a compliant electronic solution since 4 December 2021, so the template was already the wrong tool. Phase 2 arrives by revenue: Group 25 covers VAT-taxable revenue above 187,500 SAR in any of 2022 to 2025, with integration due before 1 February 2027. Connecting early is allowed, and it is the cheapest moment to discover a missing address element or a mistyped VAT number.
Can I add a QR code to my Excel invoice to make it compliant? +
No. A Phase 2 QR code carries eight fields, and three of them, the hash of the XML, the signature and the public key, only exist once the document has been cryptographically stamped. A generator can draw the five-field Phase 1 code, but a picture of a code does not turn a spreadsheet into a compliant solution. Scan any invoice with the QR code reader to see which fields it actually carries.
What happens to my old Excel invoices when I switch? +
Keep them exactly as they were issued: they are the record of those sales. Do not re-enter them into the new system, because issuing them again creates a second tax invoice for a sale that already has one. The new system starts its own counter and hash chain with its first invoice, so write down the last spreadsheet number and the date you switched.
Can my invoices be in English only? +
No. ZATCA's detailed e-invoicing guidelines require the readable invoice to be in Arabic, with English or any other language alongside if you want it. Bilingual is the practical answer: Arabic for the regulation, English beside it for a client who reads English.
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