Integra FinanceIntegra Finance
A cloud-native, multi-company financial accounting platform with invoice-level AR/AP matching, native post-dated cheque management, UAE VAT, Corporate Tax and e-invoicing built in — and an AI layer that works alongside your finance team.
Generic cloud accounting was built for markets without post-dated cheques, without EmaraTax, without Arabic invoices. So the real work happens in spreadsheets next to the system.
Receipts, payments, notes and journals allocate against open invoices before you press save. Aging is right from day one.
Received → lodged → cleared, bounced or discounted. Off-GL until clearing, pre-allocated to invoices, printed from templates.
VAT 201 in EmaraTax layout, FTA Audit File, Corporate Tax return with SBR, PINT AE e-invoice XML, bilingual tax invoices. Filing locks the period.
Anomaly and duplicate detection, account suggestions, cash forecast and a financial chat grounded in your own data — fire-and-forget, with your own AI key.
Group companies on one platform with full isolation; REST API, webhooks and connectors to POS, inventory, payroll and Integra Ontrack ERP.
Plus: approval workflows · internal audit (GRC) · roles & permissions · integration hub & API · year-end close · multi-company super-admin portal
Enter a document in any currency. VAT, division, dimensions and numbering are applied from company defaults. Attach the source file.
Allocate against open invoices inline. PDCs soft-allocate before clearing. AI checks for duplicates and anomalies in the background.
Amount-banded workflows route to the right approver. Posting writes balanced, VAT-correct GL and open items in one transaction.
Statements grouped Schedule → Group → Account. Generate VAT 201, FAF, CT return and e-invoice XML. Filing locks the period.
Returns, audit files and e-invoice formats are product features. Every filed return is immutable and locks its period; every box drills to the vouchers behind it.
CGST / SGST / IGST on the same tax engine with HSN codes · GSTR-1 (B2B, B2C, notes, HSN summary) · GSTR-3B with ITC eligibility · GSTIN, PAN, TAN and state codes.
TDS on payment lines with section and rate · TDS register, Form 26Q, Form 16A certificates · challan register with BSR, interest and penalty · TCS register on receipts.
Integra Finance embeds large-language-model intelligence into the accounting workflow — grounded in your own data, gated by your roles, and architected so AI never blocks a save.
Keys are AES-256-GCM encrypted at rest and never shown again. Primary and fallback providers with health checks. The ai capability is granted per role, AI endpoints are rate-limited, and your financial data never trains anyone's model.
Every AR/AP line on receipts, payments, notes and journals opens a Match dialog with full / partial allocation, cross-line awareness and symmetric reversal.
Received, lodged, cleared, bounced, discounted; issued, presented, cleared, stopped. Maturity calendar shows net cash impact by date.
Millimetre-positioned fields per bank, amount in words, A/C payee — UAE Standard 210 × 90 mm built in. Print queue with void and reprint.
Different workflows for small and large transactions, sequential named approvers, email + webhook notifications, recall, and a live inbox badge.
Per-division numbering series, default division per company, Division P&L, allocation rules that split entries automatically, division-wise year-end close.
Effective-dated rates by type, unrealised gain / loss posting on open AR/AP, FX exposure report and a Translated Trial Balance into any currency.
Versions, approve and lock; the voucher form itself warns when a line would overrun the period's remaining budget. Role amount limits enforce authority.
Ten curated data sources, joins, calculated fields, tabular or matrix layouts, saved templates — or describe the report in plain language to the AI Query Builder.
Whole application in Arabic with right-to-left layout, per-user language, and bilingual TAX INVOICE / فاتورة ضريبية printing with TRNs.
| Capability | Integra Finance | Zoho Books | TallyPrime | Xero | QuickBooks | Odoo |
|---|---|---|---|---|---|---|
| Native PDC lifecycle (receivable & payable) | ✓ | Workaround | ✓ | ✗ | ✗ | Partial |
| Invoice-level matching at entry time | ✓ | Post-entry | Bill-wise | Post-entry | Post-entry | Post-entry |
| PDC coverage visible in aging | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| UAE VAT 201 in EmaraTax layout + FAF | ✓ | ✓ | ✓ | Limited | ✗ | Add-on |
| UAE Corporate Tax return with SBR & add-backs | ✓ | Report | Report | ✗ | ✗ | ✗ |
| PINT AE e-invoice XML generation | ✓ | Roadmap | ✓ | ✗ | ✗ | Partner |
| Division-wise numbering, P&L and year-end | ✓ | Branches | Cost centres | Tracking | Classes | ✓ |
| Amount-banded multi-level approvals | ✓ | Basic | ✗ | ✗ | ✗ | Studio |
| AI in the ledger with your own provider key | ✓ | Vendor AI | ✗ | Vendor AI | Vendor AI | Vendor AI |
| Full Arabic RTL interface + bilingual invoice | ✓ | ✓ | Partial | ✗ | ✗ | ✓ |
| Internal audit / GRC inside the ledger | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Cloud or on-premise, UAE data residency | ✓ | Cloud only | Desktop | Cloud only | Cloud only | ✓ |
CFO dashboard with DSO / DPO, 20 ratios against RAG targets, division P&L, budget vs actual and a 3-month AI cash forecast — before the auditors ask.
Receipts matched inline, PDCs pre-allocated, aging that nets cheques in hand, statements customers can actually reconcile, bounce-risk on every cheque.
Duplicate and anomaly screening on bills, amount-banded approvals, PDC payables with print queue, maturity calendar for cash planning, bank reconciliation.
VAT 201 in EmaraTax layout with per-box drill-down, FAF in one click, CT return with SBR and add-backs, PINT AE XML on every posted invoice.
Sister companies and divisions on one installation with full isolation, shared masters where wanted, translated trial balances, and a super-admin console.
Immutable audit log with before / after data, read-only auditor role, risk register and controls inside the ledger, batch print of any document set.
Every record scoped to its company; cross-company access only through the super-admin console. Users can belong to many companies with per-company rights.
PBKDF2 password hashing, lockout after failed attempts, short-lived signed tokens with rotating refresh families and stolen-token detection, session revocation.
Access / view / create / edit / delete / print per screen, 280+ permissions, amount limits per grant, role templates, per-company module toggles.
Every change logged with before / after data, user, IP and timestamp; approvals, filings and force-operations recorded; CSV export.
Scoped API keys, idempotent posting, HMAC-signed webhooks for 13 events, mappings, async queue, developer portal. Connects POS, inventory, payroll, ERP.
Automated daily backups with 7 / 4 / 12 rotation, app-managed scheduled backups with emailed download links, documented restore procedure.
Invoice-level, at entry time, with symmetric reversal. No SMB cloud product does this natively.
Full cheque lifecycle, pre-clearing allocation visible in aging, template printing.
VAT 201, FAF, CT, PINT AE in product today — ahead of the 2027 mandate.
Your provider, your key, your rules per screen. Assists in the background, never blocks.
Photograph a supplier bill; AI drafts the purchase voucher with VAT split for review.
CSV / MT940 import with matching rules; aggregator feeds as UAE Open Finance matures.
Reminder ladders by email then WhatsApp, PDC-aware; customer portal with Pay Now links.
Group TB / P&L / BS, installable mobile app for approvals, ASP exchange over Peppol.
Bring your chart of accounts, a month of open invoices and the cheques in your drawer. We'll show you inline matching, VAT 201 and the AI assistant on your data — live.