# Hisabi.ai — Full Description

> AI-powered invoice platform for UAE and GCC SMEs. FTA-compliant tax invoices with auto VAT, TRN validation, bilingual EN+AR PDFs, and structured data ready for the UAE's upcoming Peppol PINT AE e-invoicing mandate under Ministerial Decisions 243 and 244 of 2025.

## About Hisabi

Hisabi (حسابي — Arabic for "my account") is a SaaS invoicing platform developed by TechNova Solution FZCO, based in Dubai, UAE. It is purpose-built for freelancers, small-to-medium enterprises (SMEs), and agencies operating across the Gulf Cooperation Council (GCC) region.

Unlike global invoicing tools (Wave, FreshBooks, Zoho Invoice), Hisabi is designed from the ground up for the unique requirements of GCC businesses:

- **UAE Federal Tax Authority (FTA) compliance** — every invoice meets Article 59 of the VAT Executive Regulations out of the box
- **Multi-country VAT** — auto-calculated rates for all 6 GCC countries
- **Bilingual output** — professional PDFs with English and Arabic columns
- **Regional currencies** — AED, SAR, QAR, KWD, BHD, OMR plus USD, EUR, GBP
- **AI-first** — create invoices by describing them in natural language
- **E-invoicing ready** — every invoice is stored as structured data (not just a flat PDF), aligned to the Peppol PINT AE profile the UAE adopted in 2026

## The UAE Tax Regime in 2026 (What Hisabi Helps With)

The UAE tax landscape changed substantially in late 2025 and early 2026. Three regimes now intersect for SMEs:

### 1. E-Invoicing (MD 243 & 244 of 2025)

On 29 September 2025 the UAE Ministry of Finance issued Ministerial Decisions 243 and 244 of 2025, establishing the scope, obligations, and phased timeline for the UAE's Electronic Invoicing System (EIS). On 23 February 2026 the MoF published the official Electronic Invoicing Guidelines v1.0.

- **Model**: Decentralised Continuous Transaction Control and Exchange (DCTCE), a Peppol 5-corner model. Invoices flow seller → seller ASP → buyer ASP → buyer, with both ASPs reporting to the Federal Tax Authority.
- **Format**: Structured XML following PINT AE (UAE-localised Peppol International Invoice).
- **Transmission**: Must go through an Accredited Service Provider (ASP). Direct FTA transmission is not permitted.
- **Timeline**:
  - 1 July 2026 — Voluntary pilot opens.
  - 1 January 2027 — Mandatory for large taxpayers (annual revenue ≥ AED 50M).
  - 1 July 2027 — Mandatory for all remaining in-scope businesses, including VAT-registered SMEs.
- **Scope**: B2B and B2G transactions by all Persons Conducting Business in the UAE (including Free Zone entities and non-VAT-registered businesses). B2C is excluded.

### 2. Corporate Tax (Federal Decree-Law 47 of 2022)

UAE Corporate Tax is effective for financial years starting on or after 1 June 2023.

- **Rates**: 0% on the first AED 375,000 of taxable income, 9% above. Qualifying Free Zone Persons (QFZP) get 0% on qualifying income only, subject to strict substance, de-minimis, and transfer pricing conditions.
- **Small Business Relief (Ministerial Decision 73 of 2023)**: Resident taxable persons with revenue ≤ AED 3M per tax period can elect to be treated as having no taxable income (effective 0% CT, simplified filing). Available only for tax periods ending on or before 31 December 2026. Crossing AED 3M in any single tax period permanently disqualifies the business.
- **Registration**: Mandatory for all taxable persons regardless of income. Late registration carries an AED 10,000 penalty under Cabinet Decision 75 of 2023.
- **Return deadline**: 9 months after the end of the financial year.

### 3. VAT (Federal Decree-Law 8 of 2017 as amended)

- **Rate**: 5% standard rate (unchanged).
- **Mandatory registration**: Taxable turnover over the past 12 months above AED 375,000 (or expected to exceed within 30 days).
- **Voluntary registration**: Taxable supplies or expenses above AED 187,500.
- **Filing**: Quarterly for most SMEs (below AED 150M annual turnover), monthly for larger businesses or when specifically assigned. Due 28 days after period end.

### 4. Procedural Changes (FDL 17 of 2025 and Cabinet Decision 129 of 2025)

Effective 1 January 2026:

- Reverse charge self-invoicing requirement removed.
- Refund window for VAT credit balances limited to 5 years from the end of the tax period — 2021 credit balances begin expiring in 2026.
- FTA audit windows can extend up to 15 years in cases of tax evasion or failure to register.
- Cabinet Decision 129 of 2025 rewrites most penalty provisions, effective 14 April 2026.

## Detailed Feature Breakdown

### FTA-Compliant Tax Invoices

Every Hisabi invoice meets Article 59 of the UAE VAT Executive Regulations by default:

- Sequential **HSB-YYYY-NNNN** numbering (no gaps, no resets)
- Supplier + recipient legal names, addresses, and Tax Registration Numbers
- Date of issue and date of supply (when different)
- Line-item description, quantity, unit price, and total
- Per-line VAT rate and VAT amount in AED
- Total payable in AED with correct exchange rate on non-AED invoices
- Automatic credit note linkage to the original invoice number

## Detailed Feature Breakdown

### GCC VAT Compliance

Hisabi auto-calculates Value Added Tax for all 6 GCC member states:

| Country        | VAT Rate | Currency | TRN Format          |
|---------------|----------|----------|---------------------|
| UAE            | 5%       | AED      | 15-digit TRN        |
| Saudi Arabia   | 15%      | SAR      | 15-digit VATIN      |
| Bahrain        | 10%      | BHD      | 13-digit TIN        |
| Oman           | 5%       | OMR      | VATIN               |
| Qatar          | 0%       | QAR      | —                   |
| Kuwait         | 0%       | KWD      | —                   |

Every invoice includes the supplier's Tax Registration Number (TRN/VATIN), customer details, and a proper VAT breakdown — all required by the UAE Federal Tax Authority and equivalent bodies across the GCC.

### AI Invoice Creation (Pro)

Users describe their invoice in plain English or Arabic:

> "Invoice Dubai Design Co for 3 months of branding work at AED 15,000 per month with 5% VAT"

The AI (powered by Gemini) extracts:
- Client name and details
- Line items with descriptions
- Unit prices and quantities
- VAT calculation
- Payment terms

The user reviews the pre-filled invoice and sends it. This feature is available on the Pro and Agency plans.

### AI Email Extraction (Pro)

Users paste an email thread containing project or billing details. The AI extracts:
- Client contact information
- Scope of work / line item descriptions
- Agreed amounts and quantities
- Referenced dates and deadlines

Fields where AI confidence is below 70% are highlighted in yellow for manual review.

### AI Image Extraction (Pro)

Users take a photo or upload a scan of any existing invoice, receipt, or handwritten note. The AI reads the image and extracts:
- Client contact information
- Line item descriptions and quantities
- Unit prices and amounts
- Currency and VAT details

Supports printed invoices, handwritten documents, screenshots, and scanned PDFs. Fields where AI confidence is below 70% are highlighted in yellow for manual review.

### AI Voice Input (Pro)

Users dictate their invoice in English or Arabic — up to 60 seconds of audio. The AI transcribes and extracts:
- Client name and details
- Line items with descriptions
- Amounts and quantities
- Currency and payment terms

Works with live microphone recording or uploaded audio files. Supports both English and Arabic speech recognition. Fields where AI confidence is below 70% are highlighted for manual review.

### Bilingual English + Arabic PDFs

Every invoice renders with:
- **Left column**: English text
- **Right column**: Arabic text with proper right-to-left layout
- **Professional Arabic typography**: Optimized for document readability
- **Proper directionality**: `dir="rtl"` on Arabic content, `dir="ltr"` on English

This is critical for businesses that work with both local Arabic-speaking clients and international partners.

### Online Payment Collection

Every invoice includes a secure payment link. Clients:
1. Receive the invoice via email
2. Click "Pay Now"
3. Pay by credit card through Stripe's secure checkout
4. Payment is automatically reconciled in the sender's Hisabi account

No manual bank transfers or follow-up needed.

### Smart Payment Nudges (Pro)

Hisabi's AI learns each client's payment patterns over time:
- Typical payment delay
- Preferred communication times
- Response patterns

It sends personalized, timed payment reminders that are polite and effective — increasing collection rates without damaging client relationships.

### Invoice Audit Trail (Pro/Agency)

Every modification to an invoice is tracked:
- What changed (before/after values)
- When it changed (UTC timestamp, displayed in Asia/Dubai timezone)
- Who made the change

This provides full accountability for businesses that need to demonstrate invoice integrity.

### Custom Branding (Pro)

Upload your company logo and signature. They appear on every invoice. Brand assets are stored securely in private S3 buckets (never publicly accessible).

### CSV Bulk Import (Pro)

Upload a CSV file with up to 100 invoices at once. Hisabi validates each row, auto-groups invoices by client + due date + currency, and creates them in batch. Row-level error reporting highlights any issues. Download a pre-built CSV template to get started.

### Finance Dashboard

A comprehensive financial overview for your invoicing business:
- **Risk Analysis**: Overall receivable risk level (low/medium/high) with amounts at risk
- **Aging Report**: Receivables bucketed by age (Current, 1–30 days, 31–60 days, 61–90 days, 90+ days)
- **Cash Flow Chart**: 6-month trend of invoiced vs collected amounts
- **VAT Summary**: VAT collected vs pending by quarter, broken down by rate
- **Client Reliability**: Payment behavior badges (Fast Payer, Average, Slow Payer, New) with pay rates and average days to payment
- **Top Line Items**: Most frequently invoiced items by count and total amount

### White-Label Invoices (Agency)

Remove all Hisabi branding from invoices. Ideal for agencies that send invoices on behalf of clients.

### Analytics Dashboard (Agency)

See your invoicing metrics at a glance:
- Revenue by period
- Outstanding amounts
- Client payment performance
- Invoice volume trends

## Pricing Plans

### Free — $0/month
- Unlimited clients
- Unlimited invoices
- 5 AI generations per month
- GCC VAT auto-calculation (all 6 countries)
- TRN / VATIN fields on invoices
- Bilingual EN + AR PDFs
- Online payments via Stripe
- Finance dashboard
- Client portal

### Pro — $9/month
- Everything in Free
- Unlimited AI creation
- Unlimited AI extraction (email, image, voice)
- CSV bulk import
- Custom branding (logo + signature)
- No watermark on PDFs
- Smart payment nudges
- Invoice audit trail
- Priority email support

### Agency — $29/month
- Everything in Pro
- White-label invoices
- Analytics dashboard
- Nudge open tracking
- Priority support

All plans: no credit card required to start, cancel anytime, no lock-in contracts.

## Technical Details

- **Invoice Number Format**: HSB-YYYY-NNNN (e.g., HSB-2026-0001), auto-sequential
- **Currency Symbol (AED)**: \u20C3 (U+20C3, UAE DIRHAM SIGN — rendered via the `dirham` npm package and its bundled web font)
- **Money Storage**: Integer fils (1 AED = 100 fils) for precision
- **Timezone**: UTC storage, Asia/Dubai (UTC+4) display
- **Infrastructure**: AWS (Bahrain region me-south-1), Aurora PostgreSQL, S3, SES, SQS, Lambda
- **AI Model**: Gemini 2.5 Flash (Google)

## Guest Invoice Maker

Available at [hisabi.ai/invoice-maker](https://hisabi.ai/invoice-maker), users can create one FTA-compliant invoice per day without signing up. Features:
- Full line items editor with VAT toggle per item
- Live PDF preview
- Bilingual EN + AR output
- Instant PDF download
- No account required

## Target Users

- **Freelancers in UAE/GCC** — designers, developers, consultants who need compliant invoices
- **Small businesses** — shops, agencies, service providers needing VAT-compliant billing
- **Agencies** — firms managing invoicing for multiple clients who need white-label capability
- **Startups** — growing teams that want to automate invoicing with AI

## Contact & Company

- **Company**: TechNova Solution FZCO
- **Location**: Dubai, UAE
- **Website**: [codenovai.com](https://codenovai.com)
- **Product**: [hisabi.ai](https://hisabi.ai)

## Pillar Guide

- [UAE Tax Compliance Guide for SMEs (2026)](https://hisabi.ai/guides/uae-tax-compliance-sme) — The complete 2026 SME playbook across e-invoicing, Corporate Tax, and VAT. Includes full 2026–2027 timeline, quick-reference thresholds table, and cross-links to all deep-dive articles.

## Blog Articles

### 2026 Compliance Series

- [UAE E-Invoicing 2026–2027: Peppol Mandate, Timeline & SME Compliance Guide](https://hisabi.ai/blog/e-invoicing-uae-2026-compliance) — Ministerial Decisions 243 and 244 of 2025 explained: Peppol 5-corner DCTCE model, PINT AE format, ASP obligations, phased rollout (pilot July 2026 → mandatory July 2027 for SMEs), and SME preparation checklist.
- [UAE Corporate Tax for SMEs 2026: 9%, AED 375k Threshold & Small Business Relief](https://hisabi.ai/blog/uae-corporate-tax-sme-guide) — How the 9% rate works, who qualifies for Small Business Relief before its 31 Dec 2026 expiry, Free Zone QFZP rules, mandatory registration even for 0% filers, and the AED 10,000 late-registration penalty.
- [UAE VAT Compliance for SMEs 2026: Registration, Filing & Common Mistakes](https://hisabi.ai/blog/vat-compliance-uae-sme-guide) — AED 375,000 mandatory and AED 187,500 voluntary registration thresholds, quarterly return rules, reverse charge self-invoicing removal on 1 Jan 2026, expiring 2021 VAT credits, Article 59 invoice fields, and the Cabinet Decision 129/2025 penalty regime.

### Templates & Tools

- [UAE VAT Invoice Template: Free FTA-Compliant Download](https://hisabi.ai/blog/uae-vat-invoice-template-free) — Free FTA-compliant UAE VAT invoice generator with auto VAT, TRN validation, and bilingual EN+AR PDF download
- [Arabic Invoice Maker: Bilingual EN+AR Invoices](https://hisabi.ai/blog/arabic-invoice-maker-bilingual-pdf) — Create professional bilingual invoices with English and Arabic columns, Cairo font, full RTL support

### Compliance & Regulation

- [FTA Compliant Invoice Format: Complete Guide](https://hisabi.ai/blog/fta-compliant-invoice-format-guide) — Every mandatory field required by the UAE Federal Tax Authority, common mistakes, and audit preparation
- [GCC VAT Compliance Made Simple](https://hisabi.ai/blog/gcc-vat-compliance-made-simple) — Per-country VAT rates, TRN validation, and FTA-compliant formatting for all 6 GCC countries

### Guides

- [Dubai Freelance Invoice Guide](https://hisabi.ai/blog/dubai-freelance-invoice-guide) — VAT thresholds, required fields, multi-currency invoicing, and payment tips for Dubai freelancers

### Product & Industry

- [AI-Powered Invoicing: Save Hours Every Week](https://hisabi.ai/blog/ai-powered-invoicing-save-hours-every-week) — How AI invoice creation and email extraction reduce invoicing time by 90%
- [Why UAE Businesses Need Smarter Invoicing](https://hisabi.ai/blog/why-uae-businesses-need-smarter-invoicing) — Why generic invoice tools fail for GCC businesses and what a purpose-built solution looks like
- [The Problem with Generic Invoice Software in the Middle East](https://hisabi.ai/blog/problem-with-generic-invoice-software-middle-east) — Comparing Wave, FreshBooks, and Zoho against GCC-specific requirements
- [From Email to Invoice in Seconds](https://hisabi.ai/blog/from-email-to-invoice-in-seconds) — How AI email extraction turns client conversations into ready-to-send invoices

## Regulatory References

Primary UAE legislation that Hisabi is aligned to:

- Federal Decree-Law No. 47 of 2022 — Corporate Tax
- Federal Decree-Law No. 8 of 2017 (as amended) — Value Added Tax
- Federal Decree-Law No. 28 of 2022 — Tax Procedures (amended by FDL No. 17 of 2025, effective 1 January 2026)
- Ministerial Decision No. 73 of 2023 — Small Business Relief
- Ministerial Decision No. 64 of 2025 — Eligibility and Accreditation Procedure for Service Providers
- Ministerial Decision No. 243 of 2025 — Scope and Obligations of the Electronic Invoicing System
- Ministerial Decision No. 244 of 2025 — Implementation Timeline of the Electronic Invoicing System
- Ministerial Decision No. 265 of 2023 — Qualifying Income for Free Zone Persons
- Cabinet Decision No. 75 of 2023 — Administrative Penalties (Corporate Tax)
- Cabinet Decision No. 129 of 2025 — Administrative Penalties (effective 14 April 2026)
- UAE Ministry of Finance Electronic Invoicing Guidelines v1.0 — 23 February 2026

## Links

- [Home](https://hisabi.ai)
- [Features](https://hisabi.ai/features)
- [Pricing](https://hisabi.ai/pricing)
- [Free Invoice Maker](https://hisabi.ai/invoice-maker)
- [Blog](https://hisabi.ai/blog)
- [UAE SME Tax Guide](https://hisabi.ai/guides/uae-tax-compliance-sme)
- [Sign In](https://hisabi.ai/login)
- [Terms of Service](https://hisabi.ai/terms)
- [Privacy Policy](https://hisabi.ai/privacy)