A multi-tenant, cloud-native financial platform engineered for high-growth enterprises, service firms, and commerce merchants. Replaces legacy fragmented bookkeeping with automated billing, automated bank reconciliation, and real-time tax compliance.
Why businesses lose an average of 4-6% in annual revenue to uncollected invoices and manual accounting errors.
Every tool required to manage end-to-end receivables, customer ledgers, and financial compliance.
Switch seamlessly between 4 professional layout styles: Minimalist, Corporate, Creative, and High-Density Grid. Includes dynamic logos, currency symbols, custom notes, and instant PDF vector generation.
Provide clients with a white-labeled dashboard accessible via password or passwordless Magic Link. Clients review outstanding invoices, view historic statements, and settle balances instantly online.
Drag-and-drop CSV statements from Meezan Bank, HBL, Bank Alfalah, or any generic bank format. The engine automatically matches invoice numbers and credit amounts with 1-click settlement.
Compliant with Federal Board of Revenue (FBR) e-invoicing standards. Supports buyer NTN, STRN, CNIC verification, automatic withholding tax computation, and digital fiscal verification codes.
Accept payments globally and locally: Stripe for international credit/debit cards, and EasyPaisa, JazzCash, and direct bank wire transfers with customer receipt screenshot uploads.
Granular organization control with Owner, Admin, Accountant, and Viewer roles. Strict tenant isolation ensures staff view only authorized corporate branches, invoices, and bank statements.
How Zaraq reduces payment processing overhead from days to seconds.
Accountant exports daily or monthly CSV statement from Meezan, HBL, Alfalah, or any core banking portal.
System inspects transaction descriptions, reference numbers, and credit amounts against pending invoices.
With one click, matched deposits are recorded as verified invoice payments and balances update in real-time.
A branded payment receipt email is automatically dispatched to the client with their updated ledger balance.
Connect Zaraq directly into your existing CRM, ERP, Shopify, WooCommerce, or proprietary mobile apps. Programmatically issue invoices, register clients, query payment statuses, and receive instant webhook callbacks upon payment completion.
POST /api/v1/invoices { "client_id": 42, "items": [{"description": "Cloud Advisory", "quantity": 1, "unit_price": 75000}], "style": "corporate" }
How Zaraq outperforms traditional accounting suites for modern digital merchants.
| Capability | Zaraq Platform | QuickBooks / Xero | Local Generic Software |
|---|---|---|---|
| Local Bank Sync (Meezan, HBL, Alfalah) | Native 1-Click Parser | Manual CSV conversion needed | Not supported |
| FBR Digital Invoicing & WHT Support | Integrated Out-of-the-Box | Requires expensive third-party app | Basic / Non-automated |
| Self-Service Client Portal with Magic Link | Included Standard | Basic email link only | No client portal |
| Local Gateways (EasyPaisa / JazzCash) | Built-in Payment Options | Only US/UK Gateways | Manual bank only |
| Multi-Style Designer Invoice Templates | 4 Modern CSS/SVG Themes | Rigid traditional layouts | Dated plain templates |
| Developer REST API & Webhooks | Full v1 API Available | Complex OAuth2 enterprise barrier | No API available |
Engineered with defense-in-depth principles to protect mission-critical corporate financial records.
Data partitions are isolated by authenticated account ownership. Strict foreign-key scopes ensure that no cross-tenant leakage of invoices, clients, or statements can occur.
Sensitive tokens and API secrets utilize industry-grade encryption. Passwords and portal PINs are salted and hashed using Bcrypt with standard protection against brute-force attempts.
Cloud-hosted architecture featuring continuous automated backups, optimized database indices, and rapid disaster recovery pipelines for high-volume transactions.
Whether you're invoicing 50 clients monthly or managing enterprise receivables across multiple subsidiaries, Zaraq delivers unmatched speed, automation, and compliance.
Zaraq Platform v2.4 • Confidential Client Proposal & System Documentation