Does IO Snack Accounts support FBR Digital Invoicing in Pakistan?

Yes. The FBR Digital Invoicing integration is built directly into the invoicing screen, to the official DI API v1.12. It is delivered through the Tax Filing & Compliance add-on rather than the base plan, so you switch it on when you are ready for it. When you post a sales invoice it is transmitted to FBR in real time and the IRN comes back onto the invoice along with its QR code, ready to print or send. There is also a validate mode that dry-runs the invoice against FBR and reports any errors without consuming an IRN, which is what you use while you are setting up. Submissions that fail are queued with their error and can be retried — nothing is silently dropped.

What do I need from FBR before e-invoicing will work?

Two things, both from your own FBR account: the bearer token issued for your business, and the static IP that token is whitelisted against. You paste the token into the company settings and choose sandbox or production. We support routing submissions through a fixed egress IP so the whitelist is satisfied. We do not need access to your IRIS login, and you can run entirely in sandbox until you are satisfied before switching the same company to production.

Is e-invoicing included in the base price, or does it cost extra?

It is an add-on. The base accounting plan gives you the full double-entry system — Chart of Accounts, journals, fiscal years, the financial reports and the VAT/GST/sales-tax engines. FBR Digital Invoicing and ZATCA Phase 2 both sit in the Tax Filing & Compliance add-on, which also covers tax returns, withholding certificates and compliance reporting. Current pricing for the base plan and every add-on is listed further down this page, and you can add or drop the add-on as your obligations change.

Who has to comply with FBR Digital Invoicing, and what happens if I do not?

Integration with the FBR Digital Invoicing system is being phased in for sales tax registered persons under the Sales Tax Act 1990, corporate and non-corporate, with the schedule set by SRO and subsequent FBR notifications. Businesses that do not integrate by their applicable date, or that issue invoices outside the integrated system, are exposed to penalties and enforcement action. Your tax adviser should confirm which wave and date applies to your registration — we build the integration, not the legal advice.

Is IO Snack Accounts ZATCA Phase 2 compliant for Saudi Arabia?

Yes, through the same Tax Filing & Compliance add-on that carries FBR. The module implements ZATCA Phase 2 (the Integration phase) end to end: device onboarding from CSR through to CSID, signed UBL 2.1 XML with XAdES cryptographic stamping, previous-invoice hash chaining and an invoice counter, and the Base64 TLV QR code on the printed invoice. Standard B2B invoices are cleared with ZATCA and simplified B2C invoices are reported, and the system decides which path applies from whether the buyer carries a VAT number. Our output is checked against ZATCA's own compliance endpoint, so it is their validator confirming the signature, hash and QR — not only our own tests.

Can one system handle both Pakistani and Saudi operations?

Yes, and this is the usual reason groups come to us. E-invoicing is configured per company, so a group with a Pakistani trading arm and a Saudi entity runs FBR Digital Invoicing on one and ZATCA Phase 2 on the other, each with its own credentials, tax engine, chart of accounts, currency and fiscal calendar. With the Consolidation addon you still get group-level reporting across both.

What is IO Snack Accounts and how is it different from QuickBooks or Xero?

IO Snack Accounts is a full double-entry accounting system built for global businesses with deep multi-region tax support. Unlike QuickBooks or Xero which are Western-first, IO Snack ships native FBR Digital Invoicing for Pakistan and ZATCA Phase 2 for Saudi Arabia, alongside VAT, GST, sales tax, IFRS and GAAP — configurable for any jurisdiction from day one. The Smart Setup Wizard gives you a working chart of accounts in seconds based on your region. Plus, it integrates with the entire IO Snack ecosystem (HRM, POS, Courier, and more).

Do I need accounting knowledge to use this?

No. The Quick Transactions feature lets you record Money In, Money Out, Transfers, Salaries, and Utilities without understanding debits and credits. The system creates proper double-entry journal entries automatically behind the scenes. For advanced users and accountants, full manual journal entry access is available.

What financial reports can I generate?

Trial Balance, Balance Sheet, Income Statement, Cash Flow Statement, General Ledger, and Account Balances. All reports can be filtered by date range and fiscal year. Reports are generated in real-time from your posted journal entries.

Can I manage multiple companies?

Yes, with the Multi-Company addon. Each company gets its own completely isolated database. Switch between companies from the dashboard. The Consolidation addon adds group-level financial reporting across all your companies.

How does the Setup Wizard work?

When you first open Accounts, the wizard asks for your region and business type. It then automatically creates a jurisdiction-specific Chart of Accounts (with proper tax accounts for your market — VAT, GST, sales tax, or regional variants), sets up your Fiscal Year, and configures default settings. You are ready to start recording transactions in under a minute.

Is my financial data secure?

Absolutely. Each company gets its own isolated database — no other company can ever access your data. All actions are logged in the audit trail with timestamps. Role-based permissions with 29 categories ensure team members only see what they should. Device PIN login adds fast but secure daily access.

What is the Petty Cash feature?

Petty Cash lets you track a dedicated cash fund for small expenses. Record cash spent with descriptions, replenish the fund, and generate monthly summaries. All petty cash transactions create proper journal entries and appear in your financial reports.

Can I import my existing chart of accounts?

Yes, and there are three ways in. Upload or paste a CSV exported from QuickBooks, Tally, Xero or any other system — download our sample file to see the columns, which cover the code, name, type, sub-type, parent account and whether a row is a heading. Or start from a ready-made starter chart and adjust it. Or, when the only thing you have is a printed chart or a screenshot, hand the AI that text or photograph and it builds the chart for you. Whichever route you take, nothing is written until you have seen the preview: every row is marked as new, already-present, or an error with the reason, existing accounts are skipped rather than duplicated, and you fix the errors and re-run before committing. The Setup Wizard's country template is still there if you would rather begin from a clean, standards-based chart.

What AI features are available?

With the AI Engine addon: smart transaction categorization (auto-suggest accounts based on description), anomaly detection (flag unusual entries), natural language queries (ask questions about your finances in plain English), and predictive cash flow forecasting. The AI Audit Guard addon adds continuous monitoring for duplicate entries, policy violations, and potential fraud.

How quickly can we get started?

Subscribe, run the Setup Wizard (30 seconds), invite your team, and start recording transactions — all in under 5 minutes. No hardware, no installation, no developer needed. The Quick Transactions buttons make daily bookkeeping as simple as filling a short form.

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Accounts - Smart Accounting System

Name: Accounts - Smart Accounting System
Brand: IO Snack
Availability: InStock
Author: IO Snack

Dedicated Database

Every Sales Invoice Now Has to Reach the Tax Authority. Ours Get There on Their Own.

Pakistan's FBR Digital Invoicing and Saudi Arabia's ZATCA Phase 2 both require sales invoices to be transmitted to the tax authority — not filed later, but at the moment you issue them. IO Snack Accounts does that from inside your ledger: post the invoice, and it is submitted, stamped and returned with its IRN or cleared UUID and QR code, ready to hand to the customer. Both authorities are covered by the Tax Filing & Compliance add-on. Underneath it is a complete double-entry system — Chart of Accounts, Journal Entries, Fiscal Years, and live Financial Reports (Trial Balance, Balance Sheet, Income Statement, Cash Flow, GL), Quick Transactions for daily bookkeeping, Petty Cash, reusable Templates and full team permissions — IFRS and GAAP compliant, with native VAT, GST and sales-tax engines for any jurisdiction.

FBR Digital Invoicing (Pakistan) — built to the official DI API v1.12, IRN returned on the invoice (Tax Filing add-on)
ZATCA Phase 2 (Saudi Arabia) — signed UBL 2.1, TLV QR code, clearance and reporting (Tax Filing add-on)
Full double-entry accounting — IFRS & GAAP compliant
Smart Setup Wizard — select country, get working chart of accounts in seconds
Real-time financial reports: Trial Balance, BS, IS, Cash Flow, GL
Quick Transactions — record money in/out, transfers, salaries in one click
Multi-company support with consolidated reporting
Native regional tax engines — VAT, GST, sales tax, e-invoicing — IFRS & GAAP compliant, customizable per jurisdiction

$108 /month

or $1,080/year (save ~17%)

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See why teams are switching

Setup in 2 Minutes | Cancel Anytime

Configure with add-ons & see your exact total

Accounts Dashboard - Financial overview and KPIs

Financial Reports

Quick Transaction Types

Permission Categories

100%

Actions Audited

Quick & Easy

Get Started in 3 Simple Steps

No technical knowledge needed. If you can use a phone, you can use IO Snack Accounts - Smart Accounting System.

Smart Setup in Seconds

Select your country and business type. The Setup Wizard creates your Chart of Accounts, Fiscal Year, and default settings automatically. No manual configuration needed.

Record Transactions Instantly

Use Quick Transactions for daily bookkeeping — Money In, Money Out, Transfers, Salaries. Each creates proper double-entry journal entries automatically. Or create manual journal entries for complex transactions.

Real-Time Financial Insights

Generate Trial Balance, Balance Sheet, Income Statement, and Cash Flow reports instantly. Dashboard shows revenue, expenses, and net income in real-time. Always audit-ready.

See It in Action

Screenshots & Preview

Here's what you'll get — a clean, intuitive interface designed for speed.

Financial Dashboard

Revenue, Expenses, Net Income at a glance
Monthly Revenue vs Expenses chart
Cash balance, total assets, liabilities, equity
Journal entry count and quick action links

Chart of Accounts

Organized by type: Asset, Liability, Equity, Revenue, Expense
Search and filter by type, status, fiscal year or cost centre
Add custom accounts or use country templates
Activate/deactivate accounts without losing data

Journal Entries

Create entries with unlimited debit/credit lines
Real-time DR/CR balance indicator
Draft → Post → Reverse lifecycle
Fiscal year and period validation

Financial Reports

Trial Balance, Balance Sheet, Income Statement
Cash Flow Statement and General Ledger
Filter by date range and fiscal year
Export reports for auditors and tax filing

Quick Transactions

7 one-click types: Money In, Money Out, Transfer, Utility & Salary Payment
Owner Drawing and Owner Capital entries
Cost centre tagged on every entry for departmental reporting
Creates proper journal entries automatically

Settings & Configuration

Company profile with country and base currency
Auto Voucher mapping — customize DR/CR accounts
Number sequences for vouchers and entries
Role-based access with 35 permission categories

Team Management - Invite users, assign roles

Team & Permissions

Invite team members by email
Custom roles with granular permission matrix
Device PIN login for quick daily access
Full audit log — every action tracked

Everything You Need

Complete Feature List

Every feature built to help your business run faster and smarter.

FBR Digital Invoicing — Pakistan (Tax Filing add-on)

Built to the official FBR Digital Invoicing API v1.12, the same spec licensed integrators and PRAL work to
Post a sales invoice and it is transmitted in real time; the IRN comes back and is printed on the invoice with its QR code
Validate before you commit — a dry-run against FBR that reports errors without consuming an IRN
Buyer registration status checked automatically, so registered and unregistered buyers are treated correctly
Canonical FBR province list and HS codes handled for you — no free-text mismatches to get rejected
Sandbox and production environments, switched per company; nothing goes live until you say so
Failed submissions queue and retry with a full status trail, so no invoice is silently lost
Static egress IP support for the FBR token IP whitelist