E-invoicing in UAE
Transform Your Financial Management with e-Invoicing in UAE
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Flick team
Last updated at
September 11, 2025
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Book NowFrom July 2026, all UAE businesses involved in B2B or B2G transactions must issue and receive electronic invoices through the Federal Tax Authority system. The rule applies to insurance companies involved in processing transactions such as issuing policies, collecting premiums, paying claims, and settling with service providers, regardless of transaction volume.
The requirement applies even when the customer is not registered for VAT. Insurers serving only individual policyholders still need to register because suppliers will send purchase documents through the Peppol network. Any insurer covered by the mandate must connect to the FTA platform to send and receive invoices in the approved format.
Insurance companies handle transactions that often involve several parties. A single corporate policy can require coordination between the insurer and the client as well as a broker and sometimes a reinsurer. Using manual or paper-based invoicing increases the risk of delays and missing information. It also creates compliance problems with the Federal Tax Authority.
E-invoicing helps insurers address these challenges in a structured way:
Faster premium collection – B2B and B2G invoices reach clients instantly through the Peppol network, reducing payment delays.
Compliance with FTA rules – All required invoice elements and formats are automatically applied during generation.
Lower error rates – Automated validation ensures that missing or incorrect data is flagged before submission.
Hassle-free supplier billing – Even insurers serving only individual customers can receive purchase documents from suppliers through Peppol without manual processing.
Efficient audit preparation – Digital storage of invoices and related records makes audit checks straightforward.
A health insurance provider in the UAE issues a group policy invoice to a corporate client under a B2B arrangement. The invoice is created in XML format with all required details, validated in line with FTA rules, and sent to the client through the Peppol network. In real time, the insurer receives an e-invoice from its IT services vendor via Peppol. Both documents are stored in the insurer’s system, creating a complete, compliant record without extra steps from the finance team.
Automatic FTA and Peppol Integration
Flick connects directly to the Federal Tax Authority and Peppol network without additional setup work. This allows invoices to move from your billing system to the recipient through compliant channels without manual intervention.
Pre-submission Validation
Each invoice is checked against the FTA’s XML schema and tax rules before it is sent. Flick highlights missing fields, incorrect codes, or calculation errors so they can be corrected immediately.
Simplified Credit Note Handling
When a policy is updated or cancelled, Flick generates a credit note linked to the original invoice. The document is validated and delivered through Peppol in the same compliant format.
Centralised Archive
All invoices, credit notes, and submission receipts are stored in a secure, searchable archive. Records are kept with the FTA-issued metadata, meeting the five-year retention requirement.
Real-time Status Tracking
Flick displays the delivery stage of each document, from validation to buyer confirmation. Users can see the status of multiple invoices in one dashboard without logging into separate systems.
Learn more at flick network .
1. Register for VAT with the FTA
Create a VAT account on the Federal Tax Authority portal as this is required before starting e-invoicing. This applies to insurers handling B2B or B2G transactions and those receiving supplier documents. Flick assists by mapping your existing client and supplier database to align with FTA VAT registration requirements and prepare for smooth e-invoicing.
2. Connect to Peppol
Peppol is the network for secure exchange of e-invoices and related documents. The FTA mandates its use for both sending and receiving. Flick is an accredited Peppol service provider, which means all document transfers are routed securely through its network without manual file uploads.
3. Update your invoicing system
The system must capture data such as TRN, supply date, recipient details, invoice codes, and VAT breakdowns. Flick’s platform has these fields built in and formats them according to the Peppol PINT AE standard, so they meet FTA technical requirements.
4. Validate before sending
Each invoice must match the FTA’s XML schema. Flick’s validation engine checks this automatically and flags any errors in structure or tax calculation before the invoice is sent.
5. Send via Peppol and get confirmation
Once generated in the PINT AE format, Flick submits the invoice to the FTA through an authorized Peppol service provider. The FTA validates the invoice in real time and returns a tracking ID along with a status update, which is stored in your account. This ensures every document has a complete audit trail and is fully compliant with federal requirements.
6. Maintain digital records
FTA rules require storing validated invoices, credit notes, and submission logs for at least five years. Flick archives these in secure storage along with the metadata issued by the FTA. Scans or PDFs alone do not meet compliance standards.
7. Manage corrections and cancellations
If a policy is cancelled or updated a credit note must be created and linked to the original invoice. Flick automates this by validating the new document and sending it through Peppol with the correct references.
Insurance firms in the UAE rely on ERP and accounting platforms to manage policy issuance, premium collection, claim settlements, and vendor payments. These systems handle multi-party workflows and ensure compliance with federal rules. flick network will integrate with each ERP through APIs to generate invoices in FTA-approved XML, validate them in real time, and deliver securely on the Peppol network.
SAP Business One / SAP S/4HANA
SAP is used by mid to large insurers for finance, claims accounting, and multi-currency operations. It has strong VAT compliance features. Flick Network will connect with SAP to automate invoice generation and submission so that all documents meet FTA standards.
Oracle NetSuite
NetSuite is a cloud ERP that fits fast-growing insurers. It provides multi-entity finance, vendor billing, and dashboards for reporting. Flick Network will integrate with NetSuite to create XML invoices, validate tax details, and deliver them to clients and the FTA in real time.
Microsoft Dynamics 365
Dynamics 365 combines ERP and CRM functions. It is used by insurers for policy management, client records, and finance. Flick Network will automate invoice creation on Dynamics, validate XML, and send files through Peppol without affecting existing processes.
Odoo
Odoo is a modular ERP for SMEs that need flexible and low-cost solutions. It is used by insurers for finance and operations. Flick Network will integrate with Odoo to automate XML invoice generation and validation so compliance becomes simple.
Tally Solutions
Tally is preferred by small and medium insurers for accounting and reporting with VAT features. Flick Network will transfer invoices from Tally, convert data into XML, and submit them on the FTA platform.
Sage Intacct
Sage Intacct is a cloud finance tool used by mid-market insurers for financial operations and reporting. Flick Network will integrate with Sage Intacct to automate invoice creation, validation, and submission through Peppol.
Focus 9
Focus 9 is designed for GCC regulations and is used by insurers who need ERP with native VAT compliance. Flick Network will connect with Focus 9 to generate XML invoices and automate e-invoicing workflows.
ERPNext
ERPNext is an open-source ERP with modules for accounting, CRM, and HR. It is chosen by cost-sensitive insurers. Flick Network will integrate with ERPNext to automate XML invoice generation and FTA validation while keeping records ready for audit.
UAE rules require e-invoicing for insurers in all B2B and B2G transactions. Connecting to the FTA platform helps achieve faster processing and accurate reporting while also ensuring smooth audits. Flick ensures compliance by checking and formatting each invoice before storing it in a secure system. This helps insurers process transactions faster, avoid errors and meet all regulatory requirements.
To see how Flick can simplify e-invoicing for your insurance business, visit flick network .
1. How do insurers start UAE E-invoicing?
By registering on the Federal Tax Authority portal and integrating their invoicing system.
2. Are B2B and B2G invoices mandatory under UAE E-invoicing?
Yes, they must be issued electronically through the Peppol network.
3. Do B2C-only insurers need UAE E-invoicing?
Yes, to receive supplier purchase documents through Peppol.
4. Can credit notes be sent through UAE E-invoicing?
Yes, credit notes for B2B and B2G transactions follow the same process.
5. Does Flick manage compliance for UAE E-invoicing?
Yes, it handles validation, submission, and archiving.
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