Brex vs TS Facturas (formerly Billin) (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 5.9/10 for TS Facturas (formerly Billin) on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 3/10). Only Brex has a free plan.
Last updated: November 2026
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
TS Facturas (formerly Billin)
5.9/10
Spanish cloud invoicing software, now owned by TeamSystem, for freelancers, micro-businesses and small firms. It issues quotes and invoices, including Verifactu, Facturae and TicketBAI e-invoices.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 5.9/10 |
| Scalability | 8/10 | 3/10 |
| Analytics | 6/10 | 4/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 8/10 | 4/10 |
| Security | 8/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 8/10 |
| Customization | 7/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | €8/mo Basico |
| Estimated cost for 10 users | Free Essentials | €28/mo Ilimitado |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Brex vs TS Facturas (formerly Billin) cost by team size
| Team size | Brex | TS Facturas (formerly Billin) |
|---|---|---|
| 1 user | FreeEssentials | €8/moBasico |
| 5 users | FreeEssentials | €28/moIlimitado |
| 10 users | FreeEssentials | €28/moIlimitado |
| 25 users | FreeEssentials | €28/moIlimitado |
| 50 users | FreeEssentials | €28/moIlimitado |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Brex and TS Facturas (formerly Billin) suit
TS Facturas (formerly Billin) fits small business better than Brex.
| Audience | Brex | TS Facturas (formerly Billin) |
|---|---|---|
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 8/10It targets Spanish micro-businesses and SMEs, with higher tiers that allow more users and connected bank accounts. |
| Accountants and Bookkeepers | Not rated | 6/10It includes a gestoria connection and tools for advisory firms, but it is not a full accounting suite. |
| E-commerce | Not rated | 5/10The Shopify app automates invoicing and TicketBAI submission, but it has very few reviews and they are poor. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | Not rated |
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | Not rated |
| Freelancers | Not rated | 9/10It is built and priced for Spanish autonomos, and the entry plan costs 8 euros a month. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | Not rated |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (TS Facturas (formerly Billin) does not)
- Higher Scalability score (8/10 vs 3/10)
- Higher Integration score (8/10 vs 4/10)
Why choose TS Facturas (formerly Billin)
- Higher Compliance score (8/10 vs 7/10)
- Better fit for small business (8/10 vs 4/10)
Pros & Cons
Brex
Pros
- The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
- Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
- Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
- Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
- Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
- Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.
Cons
- Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
- Credit limits move with the company's cash balance, which some reviewers find unpredictable.
- Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
- It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
- Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
- The Capital One acquisition could slow feature shipping during integration, according to industry commentary.
TS Facturas (formerly Billin)
Pros
- Every plan includes Verifactu, Facturae and TicketBAI e-invoicing, which helps Spanish businesses keep up with tax rules.
- Low prices: the entry plan costs 8 euros a month, and quotes and invoices are unlimited on every tier.
- The 30-day free trial includes all features and needs no credit card.
- Recurring invoices and expenses, SEPA remittances and payment reminders are included on every plan.
- A built-in connection lets a gestoria (outside accountant) work with the client's data.
Cons
- It handles invoicing, not full accounting: there is no general ledger, payroll or consolidation.
- The Basico plan allows only 5 clients and 1 user, so most businesses will need Pro or higher.
- There are few independent reviews and the ratings are mixed: 3.4 out of 5 on Appvizer and 1.4 out of 5 on Shopify.
- A 2026 Shopify review reported sales left unsent to the tax authority and scripted support replies.
- It is focused on Spain, and there is little evidence that it serves international or multi-currency businesses.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 5.9/10 for TS Facturas (formerly Billin). The largest gap is in Scalability: 8/10 for Brex and 3/10 for TS Facturas (formerly Billin).
Brex has a free plan; TS Facturas (formerly Billin) does not list one.
TS Facturas (formerly Billin) is the better fit for small business: we rate it 8/10 for them, against 4/10 for Brex.
