Location guide · United Arab Emirates

Custom ERP, AI Agent & SaaS Development in the United Arab Emirates

Location guides for 5 cities in the United Arab Emirates, from Dubai, Abu Dhabi and Sharjah. Flip Retail builds custom ERP, AI agents, web applications and SaaS for businesses in the United Arab Emirates from Jaipur, India, and delivers remotely.

City guides
5
Jaipur time is
1 h 30 min aheadStandard time
Currency
UAE dirham (AED)
Indirect tax
VAT 5%
E-invoicing
Plannedthe UAE eInvoicing System
Data protection
PDPL

01 — Compliance

Rules your software must follow in the United Arab Emirates

Tax, e-invoicing, data-protection and AI rules that shape an ERP, billing system or AI agent in the United Arab Emirates. Last reviewed October 2026.

Indirect taxVAT, standard rate 5%Federal VAT applies at 5% (0% for exports and certain sectors such as healthcare and education, with special rules for Designated Zones). Corporate Tax of 9% applies to taxable income above AED 375,000 for financial years starting on or after 1 June 2023, and a 15% Domestic Minimum Top-up Tax applies to large MNE groups from 1 January 2025.
E-invoicingPlanned · UAE eInvoicing System (Peppol-based 5-corner DCTCE model via Accredited Service Providers)Under Ministerial Decisions 243 and 244 of 2025 (amended by Ministerial Resolution 66 of 2026), a pilot began on 1 July 2026; businesses with revenue of AED 50m or more must appoint an Accredited Service Provider by 30 October 2026 (extended from 31 July) and go live on 1 January 2027, businesses below AED 50m must appoint one by 31 March 2027 and go live on 1 July 2027, and government entities go live on 1 October 2027. B2B and B2G invoices are in scope; B2C is excluded for now.
Data protectionFederal Decree-Law No. 45 of 2021 on the Protection of Personal DataThe federal PDPL is in force, but its executive regulations had not been published as of the latest available guidance, which limits practical enforcement; it has no regulator-registration requirement, restricts transfers abroad to adequate jurisdictions or other permitted grounds, and does not apply in the DIFC and ADGM, which have their own data protection laws and regulators.
AI rulesNo AI-specific federal statute; the UAE Charter for the Development and Use of AI (2024) sets non-binding principles, and DIFC Data Protection Regulation 10 (2023) adds notice and governance duties for personal-data processing by autonomous and semi-autonomous systems in the DIFC.
Systems we migrate from or connect toZoho Books, Xero, Odoo, TallyPrime, Wafeq, SAP Business One, Microsoft Dynamics 365 Business CentralMasters, ledgers, stock and open balances move across and are reconciled before cutover.
Payment rails for web apps and SaaSNetwork International (N-Genius), Checkout.com, Telr, Stripe, Tabby, Apple Pay
Also worth knowingMainland and free zone entities are treated differently: Designated Zones are treated as outside the UAE for VAT on certain goods supplies, and Qualifying Free Zone Persons can apply a 0% Corporate Tax rate to qualifying income, so ERP setups must track entity type. E-invoicing will run only through Ministry of Finance accredited service providers (ASPs) on a Peppol-based network, not via a direct government API.

General information, not legal or tax advice. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.

Sources consulted:

02 — Cities

5 city guides in the United Arab Emirates

Each guide covers the local economy, the industries we would build for first, and how working with Jaipur fits your hours.

United Arab Emirates

  • DubaiLogistics & ports, Wholesale & distribution
  • Abu DhabiEnergy, oil & gas, Financial services & fintech
  • SharjahManufacturing, Chemicals & plastics
  • AjmanManufacturing, Wholesale & distribution
  • Ras Al KhaimahConstruction & building materials, Mining & minerals

03 — Industries

Industries we would build for in the United Arab Emirates

The industries that come up most across the cities we cover in the United Arab Emirates.

Logistics & ports

ERP
Shipment and job costing, warehouse management with bin locations, customs and freight documentation, and billing that captures every accessorial charge.
AI agent
A document agent that reads bills of lading, commercial invoices and packing lists, extracts the data and pre-fills customs and booking forms for review.
Portal or app
A customer tracking portal with live shipment status, documents and invoices in one place.
Software for logistics & ports

Wholesale & distribution

ERP
Multi-warehouse stock, customer-specific price lists and schemes, salesperson and route management, credit control and returns, all in one system that sales and accounts both trust.
AI agent
An order-taking agent on WhatsApp that lets retailers place repeat orders, check outstanding balances and get delivery dates at any hour.
Portal or app
A field-sales app for order booking, collections and beat plans that works offline and syncs later.
Software for wholesale & distribution

Financial services & fintech

ERP
Loan and policy lifecycle tracking, reconciliations, commissions and regulatory reporting, with role-based access, maker-checker approvals and audit logs.
AI agent
A document agent that reads bank statements, payslips and IDs, extracts what underwriters need and flags inconsistencies for a person to check.
Portal or app
Customer and partner portals, dashboards and APIs for fintech products, with the security reviews that come with them.
Software for financial services & fintech

04 — Services

What we build for businesses in the United Arab Emirates

03

AI agent development

Custom AI agents that do real work inside your business: qualify leads on WhatsApp, read and key documents, take orders, chase payments and update your ERP or CRM, with a person approving anything that matters.

Learn more
04

Web application development

Customer portals, internal tools, dashboards, marketplaces and workflow apps, built with React and Next.js on solid back ends and APIs, and shipped in two-week increments you can use as they are built.

Learn more
05

SaaS product development

From MVP to multi-tenant platform: we design, build and run SaaS products with subscription billing, tenant isolation, role-based access and AI features built in.

Learn more

05 — FAQ

Custom software in the United Arab Emirates: common questions

Do you work with businesses in the United Arab Emirates?

Yes. Flip Retail is based in Jaipur, India, and works with United Arab Emirates businesses remotely. We have no office in the United Arab Emirates; discovery happens on video calls, you get working software every two weeks, and the engineers who write the code are on the calls.

Can a custom ERP handle VAT and e-invoicing in the United Arab Emirates?

Yes. Invoicing is built for the United Arab Emirates's VAT (standard rate 5%). Under Ministerial Decisions 243 and 244 of 2025 (amended by Ministerial Resolution 66 of 2026), a pilot began on 1 July 2026; businesses with revenue of AED 50m or more must appoint an Accredited Service Provider by 30 October 2026 (extended from 31 July) and go live on 1 January 2027, businesses below AED 50m must appoint one by 31 March 2027 and go live on 1 July 2027, and government entities go live on 1 October 2027. B2B and B2G invoices are in scope; B2C is excluded for now. When the mandate takes effect, a custom ERP can connect to the UAE eInvoicing System through its official API or an accredited provider; we design for it from the start.

How do you handle PDPL?

The federal PDPL is in force, but its executive regulations had not been published as of the latest available guidance, which limits practical enforcement; it has no regulator-registration requirement, restricts transfers abroad to adequate jurisdictions or other permitted grounds, and does not apply in the DIFC and ADGM, which have their own data protection laws and regulators. You choose where the system is hosted, access is role-based, and we work on test or masked data during development wherever possible.

Can you migrate us from Zoho Books, Xero or Odoo?

Yes. Masters, ledgers, stock items and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.

Are there AI rules we need to follow in the United Arab Emirates?

No AI-specific federal statute; the UAE Charter for the Development and Use of AI (2024) sets non-binding principles, and DIFC Data Protection Regulation 10 (2023) adds notice and governance duties for personal-data processing by autonomous and semi-autonomous systems in the DIFC. We design AI agents with logging, human oversight and clear disclosure from the start, which covers most current requirements.

Contact

Let's build it.

Tell us about the process you want fixed in your United Arab Emirates business. We reply within one working day.

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