Published Date :

December 10, 2025

Author

Juhi Dubey

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Webinar Recap: Decoding UAE’s E-Invoicing Mandate with Agentic AI and BINJOY Auditors​

Webinar Recap: Decoding UAE’s E-Invoicing Mandate with Agentic AI and BINJOY Auditors

On 19 November 2025, Covoro UAE and BINJOY Auditors hosted an exclusive webinar, “Decoding UAE’s E-Invoicing Mandate: What the New Ministerial Decisions Mean for Your Business,” bringing together finance, tax, and compliance leaders preparing for the upcoming e-invoicing transition. The session was led by Rahul Dev Swarnkar, CRO at Covoro UAE and global compliance automation expert, along with CA Jaison Mandapathil, Manager, Compliance & Assurance at BINJOY Auditors, an FTA-approved tax agent.



1. Why e-invoicing is now a boardroom priority

The speakers first framed e-invoicing as a global phenomenon, with more than 75 countries rolling out mandates to curb fraud, close tax gaps, and improve real-time reporting. Governments are tightening regulations to reduce hundreds of billions in annual tax revenue losses, making structured, machine-readable invoicing the default standard across Europe, GCC, India, Malaysia, LATAM, and beyond.


2. UAE’s e-invoicing programme and who is impacted

The webinar then unpacked the UAE Ministry of Finance’s e-invoicing programme and its strategic objectives: modernizing the economy, maximizing federal revenue collection, reducing tax evasion, and enhancing ease of doing business. Participants gained clarity on how e-invoicing strengthens the UAE’s global competitiveness, boosts digitization, improves taxpayer experience, and raises overall compliance and efficiency levels.


3. Key timelines, exclusions, and obligations

A detailed walkthrough of the phased implementation timeline helped attendees see exactly when they need to act based on their revenue category and whether they fall under large businesses, other businesses, or government entities. The session also clarified current exclusions (such as B2C-only businesses, certain government and airline transactions, and VAT-exempt or zero-rated financial services) and highlighted issuer, recipient, and service provider obligations, including storage within the UAE and FTA notification rules in case of system failures.


4. Inside a UAE-compliant e-invoice and PINT AE use cases

Moving from “what” to “how,” the speakers broke down what constitutes an e-invoice:

  • An e-invoice is a tax invoice that is created, sent, and received in a structured, machine-readable format so that systems can process it end-to-end without manual intervention.
  • Under the UAE PINT AE standard, the e-invoice must include clearly defined mandatory data elements for the seller, such as identification details, tax registration numbers, and address information.
  • It must also capture key buyer information in a structured way, ensuring both parties’ details are consistently available for validation and reporting.
  • Additional mandatory sections cover overall document totals and tax breakdowns so that VAT amounts, bases, and rates are precisely calculated and easy to audit.
  • Line-item level data is standardized, with each good or service listed separately, including quantity, pricing, tax category, and descriptions in structured fields.
  • The UAE PINT AE model also defines 16 typical transaction “use cases” that the format must support, such as standard tax invoices, reverse charge transactions, zero-rated and export supplies, e‑commerce flows, margin schemes, and self‑billing arrangements.

5. The UAE 5‑corner DCTCE framework and PEPPOL

The UAE 5-corner DCTCE model links five key parties:

  • The seller, the seller’s certified access/service provider, the Federal Tax Authority’s platform, the buyer’s certified access/service provider, and the buyer.
  • It creates a secure, real-time network where invoices move digitally from the seller’s system through accredited providers to the buyer’s system while tax-relevant data flows to the FTA.
  • This framework uses the PEPPOL network so businesses and governments can exchange structured e-invoices using common technical and data standards.
  • Because the data is standardized and machine-readable, PEPPOL helps reduce manual work, minimize human errors, and speed up processing and validation.
  • Real-time or near real-time reporting to the FTA supports continuous VAT compliance, better audit readiness, and more transparent cross-border trade

6. From compliance to intelligent automation with Covoro

Following the establishment of a regulatory framework, Covoro demonstrated a globally recognized e-invoicing solution that utilizes middleware to connect different platforms, including ERPs, accountancy packages, portals, and apps, to the respective regulatory bodies and PEPPOL networks. The demo highlighted how the data is forwarded to Covoro's centralised data repository and then processed through an artificial intelligence (AI) and machine learning (ML) tool in order to be reconciled and to enable EXIM analytics as well as the signing and managing of documents throughout the GCC, India, and Malaysia.

Following the establishment of a regulatory framework, Covoro demonstrated a globally recognized e-invoicing solution that utilizes middleware to connect different platforms, including ERPs, accountancy packages, portals, and apps, to the respective regulatory bodies and PEPPOL networks. The demo highlighted how the data is forwarded to Covoro's centralised data repository and then processed through an artificial intelligence (AI) and machine learning (ML) tool in order to be reconciled and to enable EXIM analytics as well as the signing and managing of documents throughout the GCC, India, and Malaysia.



7. Why Agentic AI is the next leap for e-invoicing, workflow, and impact

  • The “evolution of automation” in e-invoicing moves from manual processing, to rule-based RPA, to AI-assisted workflows, and finally to agentic AI that can operate with far greater autonomy.
  • Unlike rigid bots that only follow predefined rules, agentic AI uses learning, context understanding, and feedback loops so that invoice-processing agents can interpret complex scenarios, choose actions, and keep improving over time.
  • In an agentic AI e-invoicing setup, autonomous agents handle the full workflow: receiving and classifying invoices from multiple channels, extracting data using OCR/NLP, validating against POs, contracts, and tax rules, and routing items for approval.
  • These agents also resolve most exceptions on their own by checking discrepancies, interacting with vendors or internal stakeholders where needed, and only escalating genuinely complex cases to humans.
  • Because of this autonomy and continuous learning, agentic AI can cut invoice error rates to very low levels, dramatically reduce time spent on exceptions, speed up approvals and ERP posting, and lower the overall cost of non-compliance and delays when processing very large invoice volumes.

6. The Covoro, BINJOY advantage for UAE businesses

In conclusion, the Covoro agentic-AI-powered ecosystem, integrated with over 100 ERPs and connected to numerous regulatory networks, enables finance leaders to gain total control and compliance while also achieving significant efficiency gains. Business leaders in the UAE can rely on BINJOY Auditors, an FTA-approved Tax Agent, to provide on-the-ground tax, audit, and advisory support, along with the Covoro ecosystem, to provide the most efficient, effective, and easiest path to a successful future-ready e-invoicing implementation.

If you were unable to attend the live session or would like to share the content with your colleagues, you can now utilize this content internally and reach out to Covoro and BINJOY to receive a customized demo and roadmap for your own e-invoicing implementation.


Acknowledgments

Every insight in this guide has been shaped with purpose — designed to be as engaging as it is informative.

Contributor
Saurabh Ujjainwal
Saurabh Ujjainwal contributed to the editorial framing, maintaining consistency, tone, and structure. His thoughtful input helped bring clarity and direction to the final version.

Design & Visuals
Sampada Kalhapure
Sampada Kalhapure gave abstract ideas a visual voice—turning trust, observability, and hybrid dexterity into graphics that simplify complexity and make the blog visually engaging.

Web & Digital Experience
Rahul Ingle
Rahul transformed the draft into a smooth digital experience, ensuring the blog reads effortlessly across platforms and reaches readers with the same polish as its ideas.

Juhi Dubey

Juhi Dubey

About the Author

I am a semi-qualified CA with 4 years of experience in Accounts and finance. With a background in law and a passion for tax compliance, I have been deeply engaged in the Fin-Tech industry, composing insightful content. I am fond of writing and have contributed articles on accounting, personal finance, income tax, and GST.

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