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Accounts receivable for enterprise founders in Abu Dhabi

By OCTA Finance Team — Finance automation research & guides, reviewed by OCTA

Accounts receivable guidance for Abu Dhabi, using a AED calculator, cited local payment context, and one practical action for this week.

Evidence for Abu Dhabi

Atradius reports that about 47% of UAE B2B sales are made on credit, about two in five invoices are overdue, and write-offs are just over 2%.

Collection complexity: Allianz Trade rates the UAE at 71, Severe, in its 2026 Collection Complexity Score.

At a January 2026 ministerial forum, the Ministry said the UAE had about 1.33m companies and that SMEs represented about 95% of them.

Regulatory and invoice context

UAE Ministry of Finance and Federal Tax Authority: The OpenPeppol programme under MD 244, as amended by MD 66, pilots from 1 July 2026. Entities with annual revenue of at least AED 50m select an accredited service provider by 30 October 2026 and go live from 1 January 2027; entities below AED 50m select an ASP by 31 March 2027 and go live from 1 July 2027. Government go-live is 1 October 2027. B2C is outside scope.

UAE VAT is 5%; VAT invoices are issued within 14 days and the VAT registration threshold is AED 375,000. There is no statutory commercial net-X term. Federal Decree-Law 50/2022 caps delay interest at 9% and does not allow compounding.

Payment rails and credit context

  • UAEFTS: UAEFTS is the domestic funds-transfer system.
  • Aani: Aani supports instant payments up to AED 50,000 and Request to Pay.
  • Jaywan: Jaywan was inaugurated as the UAE's national card scheme on 20 July 2026.

Credit bureau: AECB. AECB is the UAE credit-bureau reference in this guide.

One action for this week

Have the founders review the ten oldest open invoices, choose the appropriate local payment route, and set the next follow-up owner and date.

Sources