One Business Platform. Multiple Powerful Apps.
XOZO brings accounting, agency management and future business applications together into one growing software ecosystem.
Built for modern businesses. Designed to grow across markets.
We built XOZO because we felt every one of these pain points.
Manual bookkeeping, disconnected apps, stock surprises, and compliance headaches shouldn't slow your business down. XOZO brings it all together.
"My accountant sends Excel sheets. I still don't understand my finances."
You're flying blind — staring at historical tables with no live visibility.
XOZO gives you live P&L, Balance Sheet, & Cash Flow — always current.
"I manually enter journal entries for every transaction. It takes hours."
Manual bookkeeping is error-prone, slow, and a waste of your team's time.
XOZO auto-generates ledger journals on every invoice. Zero manual input.
"My invoices fail because I don't know my real stock levels."
Overselling destroys customer trust and creates operational chaos.
XOZO validates stock before invoices are issued, blocking overselling.
"I use 4 different apps for sales, inventory, accounting, and reports."
Siloed data leads to massive reconciliation discrepancies and gaps.
One platform. One database. Every single module talks to every other.
"FBR e-invoicing has me terrified. I don't know if I'm compliant."
Non-compliance risks heavy penalties, tax audits, and severe disruption.
FBR Digital E-Invoicing is native. Every invoice is auto-compliant.
"Bank reconciliation takes my team 3 full days every month."
Matching statement items manually creates massive headache and logs backlog.
XOZO matches bank transactions with general ledger items in 15 minutes.
"Year-end closing is a nightmare. I never know if my books are right."
Closing entries and balance carry-forwards are highly error-prone.
XOZO automates year-end closes, carry-forwards, and read-only locks.
"I run an e-commerce agency. I need something simple, not an ERP."
Full ERP systems are massive overkill, expensive, and complex to configure.
XOZO AgencyOS is built exactly for agencies. Fast, focused, & affordable.
"I don't know who owes me money or when I'm actually going to get paid."
Untracked receivables make cash flow unpredictable and force you to chase customers manually.
XOZO tracks outstanding invoices, due dates, aging, and collections so you always know what is owed.
Every app you run your business with, finally in one place
Xozo is a growing family of business apps that share one login, one database, and one design language. Pick what you need today and switch on more as you grow.
XOZO Accounting
ReadyDeep, books-based accounting built for accurate financial management, inventory and real business reporting.
5.91M
Revenue (MTD)
1.74M
Actual Profit
1.20M
Inventory Value
Revenue vs Cost of Sale
Last 12 monthsBooks
- General Ledger✓
- Journal✓
- Cash Book✓
- Day Book✓
Explore the XOZO apps
From double-entry accounting to point of sale, HR and CRM — every module is built to work alone and shine together.
XOZO Accounting
Deep, books-based accounting built for accurate financial management, inventory and real business reporting.
XOZO AgencyOS
A lightweight accounting and business solution designed specifically for e-commerce agencies.
XOZO Invoicing
A dedicated invoicing application designed to simplify invoice creation, management and tracking.
XOZO POS
A modern point-of-sale application for businesses selling directly to customers.
XOZO CRM
A customer and sales management application designed to help businesses manage relationships and growth.
A real double-entry engine under every transaction
Xozo Accounting gives you a live general ledger, automatic journal entries, and financial statements you can trust — the same core that powers billing, POS and payroll across the platform.
- Chart of accounts with unlimited sub-ledgers
- Automatic journals from invoices, bills and POS
- Real-time Profit & Loss, Balance Sheet and Cash Flow
- Multi-branch and multi-currency ready
5.91M
Revenue (MTD)
1.74M
Actual Profit
1.20M
Inventory Value
Revenue vs Cost of Sale
Last 12 monthsBooks
- General Ledger✓
- Journal✓
- Cash Book✓
- Day Book✓
Every Action. Properly Recorded.
Business actions with financial impact automatically generate balanced journal entries that post directly to your ledger books and real-time reports.
"Purchase invoice #INV-8821 from Wholesale Supplies Ltd on 30-day credit."
One Subscription. Multiple Branches.
A company can manage multiple branches under one subscription. Each branch operates in its own environment while feeding directly into master corporate financials.
Lightweight Accounting Tailored for E-Commerce & Digital Agencies
AgencyOS streamlines monthly client retainers, ad spend pass-through balances, project margins, and automated invoice delivery under a single transparent lifetime software license.
- Client Retainer Ledger & Renewal Tracking
- Ad Spend Pass-Through Accounting
- Project-Level Gross Profit Analytics
- Contractor & Outsource Cost Logging
- Instant Agency Invoice Generation
- Lifetime Updates & One-Time $199 License
Pakistan FBR Digital E-Invoicing Integration — Under Testing
XOZO is actively developing and testing FBR Digital E-Invoicing integration for Pakistani businesses. The module is currently undergoing sandbox validation, schema checks, and payload transmission testing prior to official production rollout.
FBR Digital E-Invoicing is UNDER TESTING. It is not currently offered as a certified live production release. Pakistani merchants can participate in our sandbox testing phase.
- FBR Digital Tax Invoice Schema Validation (Testing)
- Real-Time QR Code Generation Payload Verification
- Offline Queueing & Resync Architecture Sandbox
From Accounting Chaos to Financial Control
See how businesses transform when they move from manual accounting processes to the XOZO intelligent accounting engine.
Traditional Accounting
With XOZO
Manual journal entries & double-entry headache
AI auto-posts transactions instantly to correct accounts
4 separate mismatched apps with data silos
One unified, single-database intelligent suite
Bank reconciliation: 3 excruciating days of spreadsheets
AI matches statement feeds automatically in 15 minutes
Year-end books closing: a monthly stress crisis
Automated single-click book close & carry-forwards
FBR tax compliance: manual panic & penalty scares
Built-in automatic digital e-invoicing to PRAL
Static PDF reports that can't be filtered or queried
Live interactive reports, easily filtered and exported
No pre-invoice validation: items oversold frequently
Strict pre-invoice stock & bank balance validations
Complex jargon built only for trained accountants
Intuitive workflows any business owner can run
Less manual work. More control over your business.
Real businesses. Real results.
From Karachi to Lahore — 500+ Pakistani businesses run on XOZO.
"Bank reconciliation used to take my accountant 2 full days every month. With XOZO it takes 20 minutes. The auto-matching is genuinely magical — I didn't believe it until I saw it."
Ahmed Raza
CEO, Raza Traders (Import/Export)
Karachi, Pakistan
"Journal entry automation saved us 15+ hours per week. Every transaction is correctly recorded, every report is accurate. Our auditors reviewed our books and were genuinely impressed."
Sara Iqbal
CFO, TechMart Pvt Ltd
Lahore, Pakistan
"I run 3 e-commerce stores. AgencyOS gives me P&L and cash flow for all 3 in seconds. I finally know which store is actually profitable — something I could never figure out before."
Hassan Malik
Owner, DropShip Masters
Karachi, Pakistan
"My clients used to call me for every small report. Now they log into XOZO and see everything live. It's made my job easier and their peace of mind so much better. I recommend it to every client."
Fatima Khan
Senior Accountant, Khan & Associates
Islamabad, Pakistan
"AgencyOS is exactly what agency owners need. Simple, fast, focused on cash flow. I'm not paying for features I'll never use. The inventory validation alone has saved me from so many overselling mistakes."
Bilal Chaudhry
Founder, Urban Droppers Agency
Lahore, Pakistan
"Multi-company support is incredible. We manage 4 separate entities in one platform. Year-end closing used to take a week of pain — XOZO does it properly in one afternoon."
Zara Siddiqui
Director Finance, MediCare Supplies
Rawalpindi, Pakistan
Built by someone who felt
every one of your pain points.
Meet the drive behind Pakistan's next-generation financial platform.
Accounting should work around the business — not the other way around.
I spent years watching Pakistani business owners struggle with accounting software built for Western markets. They either used expensive, bloated ERP systems that required armies of consultants, or chaotic Excel sheets that offered zero real-time visibility into actual bank metrics.
I watched financial analysts and dedicated accountants spend 3 full days on repetitive bank reconciliations that should easily take 20 minutes. I watched enthusiastic e-commerce agency owners guess their net profitability because their invoicing tools and inventory trackers couldn't compute Cost of Goods Sold (COGS). I watched CFOs dread year-end closing audits because the system ledger logs were never clean.
XOZO is the answer I wish we had from day one.
It's built on one foundational principle: every single business operation should automatically result in proper double-entry accounting — without requiring the business owner to understand debits, credits, or complex ledger laws. AI should do that heavy lifting in the background.
We're building the complete financial operating brain for Pakistani enterprises. Two core apps are live, six more modules are scheduled, and we are just getting started.
The principles behind XOZO.
Empowered Decisions
AI handles the rigid accounting rules, double-entry ledgers, and FBR schema. You focus on making actual business growth decisions.
Local Focus
Pakistani businesses deserve world-class SaaS software tailored for their local realities — including PRAL sales tax and custom local banks.
Sacred Integrity
Financial data is sacred. Security logs, transaction auditing trails, and math accuracy are permanent standards that are never negotiated.
Got Questions About XOZO?
XOZO is a growing business software ecosystem — one platform that brings together specialized business applications such as accounting and agency management, with more apps in development.
Your business deserves intelligence.
Start with XOZO today.
Join 500+ Pakistani businesses running smarter with XOZO. Setup takes under an hour, with no complex prior accounting knowledge required.