AP & AR
Three-way match
A Saudi company running purchase orders gets its bills checked against the purchase order and the delivery note before payment is queued in Zoho Books, QuickBooks Online or Xero, catching a quantity or price mismatch before money leaves the account rather than after a supplier has already been paid.
Aged receivables
Illustrative client · August 2026
SAR
| Customer | Current | 1-30 | 61+ | |
|---|---|---|---|---|
| Customer A | 18,400 | - | - | - |
| Customer B | 9,250 | 4,100 | - | - |
| Customer C | - | 6,780 | 2,200 | - |
| Customer D | 12,600 | - | - | - |
| Customer E | - | - | - | 1,450 |
| Total | 40,250 | 10,880 | 2,200 | 1,450 |
Illustrative. An example of the document, not a client's figures.
Three documents, one bill, checked before it moves
A supplier bill only clears for payment once the purchase order, the delivery note and the invoice itself agree on quantity and price. A supplier invoicing for twelve units against an order for ten gets caught while the bill is still sitting in review inside Zoho Books, QuickBooks Online or Xero, not weeks later when someone finally reconciles the account.
Where this earns its keep in a Saudi supply chain
A trading or distribution business bringing goods through Jeddah Islamic Port or Dammam sees more value from this control than a services firm with nothing physical to receive, since more can drift between what was ordered, what actually landed and what a supplier eventually bills for. A bill with no purchase order behind it does not get an automatic pass either, it goes back for your review the same as a mismatched one.
What happens to a mismatch
Anything that does not tie out cleanly sits on a short exceptions list rather than getting waved through, which also makes a repeat pattern with one supplier easy to spot after a quarter or two. Where the mismatched bill sits between related entities, whether two Saudi subsidiaries or a Saudi company and its foreign parent, we keep the documentation clean enough to support the transfer pricing disclosure form filed alongside the income tax or Zakat return, since related-party paperwork draws more scrutiny than an arm's-length supplier invoice.
No formal process yet
A written purchase order system is not a prerequisite. For a company still running purchase decisions by email or phone, including one newly registered with the Ministry of Commerce, we set up a simple purchase order and delivery-confirmation step inside whichever software you already run, sized to your actual order volume rather than a template built for a much bigger company.
Questions
Frequently asked questions: Three-way match
Does a three-way match apply to intercompany purchases too?
Yes, and it matters more there. A matched, well-documented bill between related entities supports the transfer pricing disclosure form filed with your income tax or Zakat return.
What if a supplier delivers before sending the purchase order confirmation?
The bill still waits for all three documents to line up. We hold it for your review rather than approving on the assumption the paperwork will follow.
Do you set a tolerance for small price differences?
Yes, we agree a threshold with you at onboarding so a minor rounding difference does not trigger a review every time.
Can this run without a formal purchase order system already in place?
Yes. We can set up a simple purchase order and delivery-confirmation step inside your existing software, sized to how many orders you actually place each month.
Do we need formal purchase orders already in place for this to work?
It helps, but is not required to start. We can help set up a simple purchase order process if you do not have one yet.
What counts as a variance worth flagging?
We agree a threshold with you during onboarding, such as any price or quantity difference over a set amount or percentage, so small rounding differences do not trigger unnecessary reviews.
How is three-way match priced?
Pricing for three-way match depends on your transaction volume, the software you use, and how much cleanup is needed before ongoing work starts. Current ranges are published on the pricing page, and your exact fee is confirmed in writing before anything begins.
What software works with three-way match?
Three-way match runs inside QuickBooks Online or Xero, whichever you already use. If you are not yet set up in either, we can configure a file in your name so you keep ownership of it once the engagement is under way.
Next step
Talk to the team that would run your books
A short call covers your setup, your software and what a first month would look like. You get a written scope and price after it.