FacturaDirecta vs Ramp (2026): Pricing, Features & Verdict

Why choose FacturaDirecta

• Higher Compliance score (8/10 vs 7/10)
• Better fit for freelancers (9/10 vs 2/10)

Why choose Ramp

• Higher Scalability score (8/10 vs 4/10)
• Higher Support score (7/10 vs 4/10)
• Better fit for enterprise (7/10 vs 2/10)

FacturaDirecta

Pros

• The free plan is permanent and includes VeriFactu, Facturae and AEAT tax form calculation for up to 100 invoices a year, with no card required.
• Every plan includes unlimited users and free accountant access through an Asesor role, so teams and gestores are not charged per seat.
• Spanish e-invoicing coverage is broad: VeriFactu, Facturae with FACe submission, and TicketBAI and Batuz for the Basque Country.
• Every plan, including the free one, gets a REST API, webhooks, an MCP server for AI assistants and a CLI, and one 2026 reviewer praised the API documentation.
• There is no lock-in. You can cancel at any time, and the 30-day paid trial needs no card and does not auto-charge.

Cons

• Support is limited to email, chat and an AI agent. There is no phone line, and Trustpilot reviewers from 2025 and 2026 describe chat as slow.
• Full double-entry accounting costs extra on Bronce and Plata and is included only from the 60-euros-a-month Oro tier.
• Payroll is only for recording and scanning payslips. The vendor does not describe gross-to-net salary calculation.
• Hard invoice caps apply on each plan, and a 2026 reviewer complained that the free-plan limit was introduced without clear warning.
• An independent comparison calls the interface dated and the financial reports and mobile app basic compared with Holded or Quipu.

Ramp

Pros

• The Free plan includes unlimited cards, bill pay, AR invoicing and QuickBooks and Xero sync, so small teams can get a lot without paying for software.
• The corporate card needs no personal guarantee or credit check, and Kruze's review reports 1.5% cash back on card spend.
• Reviewers consistently praise how easy it is to issue cards and capture receipts. G2 averages about 4.8 out of 5 from roughly 2,400 reviews.
• There are more than 200 integrations, including over 40 ERPs and major HR and payroll systems such as ADP, Gusto and Workday.
• Month-end accruals post with automatic reversals, and the AI Accounting Agent auto-codes transactions to speed up the close.
• Security includes SOC 2 Type II, PCI compliance, SSO with Okta, Google or Azure, and MFA for every user.

Cons

• Ramp is built for US corporations and LLCs, and a cash balance of around $75,000 is typically expected, which rules out sole traders and many very small firms.
• Card purchases in currencies other than USD carry a 3% foreign transaction fee, and local-currency cards in other countries require Enterprise.
• Multi-entity support, NetSuite and Sage Intacct sync, custom roles and the audit log all require the paid Plus plan, which adds a platform fee on top of per-user pricing.
• Some users describe AP and bill pay as basic and say ERP sync runs in daily batches rather than in real time.
• Some users report thin onboarding and support that relies on bots, and Kruze's reviewer survey gives customer service its lowest score.