Qoyod Review (2026)
Finance tools are trust-critical: the bar is accuracy, compliance and real support, not flashy features. So where does Qoyod actually fit?
Visit Qoyod → Affiliate link — the rest of this page is the honest version, including who should skip it.
What Qoyod does
Saudi accounting and e-invoicing platform built around ZATCA compliance, used by 25,000+ businesses. From 1,200 SAR a year (~$320) for one user and one location — but ZATCA Phase 2, the part most businesses actually need, starts on the Pro tier.
Pricing (2026)
(prices read 2026-08-18 in-browser on app.qoyod.com/home/select_plan_en; the marketing site returns 403 to plain fetches) Billed in Saudi riyal, which is pegged to the dollar at 3.75, so the conversion is exact rather than approximate. Annual pricing: Basic 1,200 SAR (~$320) for 1 user and 1 location covering ZATCA Phase 1, invoices, payments and credit notes; Pro 1,800 SAR (~$480) for 3 users and 3 locations, adding ZATCA Phase 2, quotations and the full procurement cycle; Advanced 2,211 SAR (~$590, shown struck through from 3,300 SAR / ~$880 under a “33% off for a 3-year term” banner) for 5 users and 5 locations with fixed-asset management, depreciation and accounting dimensions; Enterprise is quote-only with unlimited users, custom API integrations and a dedicated account manager. A free trial is offered, and the monthly toggle costs more — the site advertises “save up to 20%” on annual. Add-ons are priced per year on top: payroll 120 SAR per active employee (~$32), POS 600 SAR per user (~$160), extra system users 240 SAR each (~$64) and extra locations 480 SAR each (~$128). Plans change — always verify the live price on their site.
The honest knock
The entry tier does not do the thing the product is sold on. Qoyod's pitch is surviving Saudi e-invoicing, but Basic covers ZATCA Phase 1 only — Phase 2 is the integration phase, where invoices are cleared with the tax authority in real time, and that starts at Pro. If Phase 2 applies to you, your actual floor is 1,800 SAR and not 1,200. The second thing to price before you sign: Basic is genuinely one user and one location, and every extra seat is 240 SAR a year, which is a fifth of the whole Basic plan per person. A four-person shop on Basic pays 1,200 + 3×240 = 1,920 SAR, more than Pro costs while still sitting on Phase 1. Add a single POS user at 600 SAR and the arithmetic tips further. Work out your seat and location count first, then pick the tier — doing it the other way round is how the add-on line becomes the biggest number on the invoice.
How to actually use Qoyod
Establish which ZATCA phase applies to you before you look at a single price, because that decision picks your tier for you: Phase 1 fits Basic, Phase 2 puts you on Pro at minimum. Then count three numbers — users, locations, POS terminals — and add them up at 240, 480 and 600 SAR a year respectively, since those add-ons are what separate the headline from the invoice. Use the free trial to test the part that is hardest to undo: import your existing data early rather than at the end, because migration is the step where accounting switches actually fail. The 33% Advanced discount is tied to a three-year commitment, so treat it as a three-year decision and not a discount. Distilled from app.qoyod.com/home/select_plan_en, read in-browser 18 August 2026 (qoyod.com/en/pricing returns HTTP 403 to non-browser requests).
More on Qoyod
Everything we publish about Qoyod links back here — the review stays the honest hub:
The ex-banker filter — the same yardstick on every review (how we review): My ex-banker filter is simple: does Qoyod remove a real cost — time, errors, missed revenue — bigger than what it charges? If the job above is genuinely yours, it's worth a look. We never publish fake or “exclusive” prices, so always confirm the current plan on their site.
Frequently asked questions
Is Qoyod safe to run my finances through?
The bar here is higher than features. Check who actually holds the money and under what licence, whether client funds are segregated, what audit trail and permission controls you get, and how support behaves when something goes wrong mid-transaction. Anything touching payments should be able to answer those in writing; if it cannot, that is your answer.
Who should not use Qoyod?
Skip it if you operate outside Saudi Arabia — the entire value proposition is ZATCA compliance and Arabic-first accounting — or you are a single operator whose invoicing needs are met by a general tool at a fraction of the price. Buying a tool to fix a problem you don't have yet just adds cost and another login to manage.
Is this a hands-on review of Qoyod?
This is a researched assessment, not a hands-on test — where we've used a tool ourselves, we say so explicitly. We name what each tool is genuinely good and bad at, and we earn a commission only if you sign up, at no cost to you.
- Prices read 2026-08-18 in-browser on app.qoyod.com/home/select_plan_en; the marketing site returns 403 to plain fetches.
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Others in this category
Weighing Qoyod against the field? These are the financial operations tools closest to it that we have also reviewed. They overlap rather than match, so check what each one is actually built for before treating any of them as a swap:
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