FacturaDirecta vs Spendesk (2026): Pricing, Features & Verdict
Spendesk is our pick, scoring 6.7/10 against 6.3/10 for FacturaDirecta on our Finance Software criteria. Its biggest advantage: higher Scalability score (7/10 vs 4/10). Only FacturaDirecta has a free plan.
Last updated: November 2026
FacturaDirecta
6.3/10
Spanish cloud invoicing and simple accounting software for freelancers and small businesses, with VeriFactu, Facturae, TicketBAI and AEAT tax forms built in.
Spendesk
6.7/10
Spendesk is a spend management platform from Paris for European mid-sized companies. It combines corporate cards, expense claims, accounts payable, procurement and budgets, with exports to accounting software.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.3/10 | 6.7/10 |
| Scalability | 4/10 | 7/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 6/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 4/10 | 6/10 |
| Cost | 8/10 | 5/10 |
| Customization | 5/10 | 6/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €15/mo Bronce | Contact for pricing |
| Estimated cost for 10 users | Free Gratis | Contact for pricing |
| Features | ||
| Invoicing | ||
| Accounts Payable | ||
| Budgeting and Forecasting | ||
| Expense Management | ||
| Multi-currency | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
FacturaDirecta vs Spendesk cost by team size
| Team size | FacturaDirecta | Spendesk |
|---|---|---|
| 1 user | FreeGratis | Contact for pricing |
| 5 users | FreeGratis | Contact for pricing |
| 10 users | FreeGratis | Contact for pricing |
| 25 users | FreeGratis | Contact for pricing |
| 50 users | FreeGratis | Contact for pricing |
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 FacturaDirecta and Spendesk suit
FacturaDirecta fits small business better; Spendesk fits enterprise better.
| Audience | FacturaDirecta | Spendesk |
|---|---|---|
| Enterprise | 2/10It is limited to Spanish tax rules, has no consolidation or phone support, and is built by a very small team. | 6/10It offers SSO, ISO 27001 and multi-entity tools, but reviewers say it gets harder to manage at high volume across many entities. |
| Small Business | 8/10Paid tiers add unlimited clients, bank reconciliation, SEPA remittances, team roles and optional accounting and inventory for Spanish SMEs. | 5/10Unlimited cards help small businesses, but there is no published price or free tier, unlike Pleo or Ramp. |
| Accountants and Bookkeepers | 6/10Gestores get free access through an Asesor role, and journal entries export to A3 and ContaPlus, but the vendor does not position it as a practice-management tool. | Not rated |
| E-commerce | 6/10Its own Shopify app and a Zapier-based WooCommerce flow create invoices from orders, though the Shopify listing has very little review feedback. | Not rated |
| Finance Teams | Not rated | 9/10Built for finance teams that need control over cards, approvals, budgets and AP, with exports to accounting systems. |
| Freelancers | 9/10The free plan covers 100 VeriFactu-compliant invoices a year, and AEAT forms like 130 and 303 are generated automatically for Spanish autónomos. | Not rated |
| Mid-Market | Not rated | 9/10Unlimited users with no per-user fees, plus multi-entity, procurement and ERP integrations, fits mid-sized European companies. |
| Startups | Not rated | 6/10Usable by growing startups, but the fixed platform fee and quote-only pricing make cheaper self-serve rivals more attractive at very small scale. |
Which One Should You Choose?
Why choose FacturaDirecta
- Has a free plan (Spendesk does not)
- Higher Cost score (8/10 vs 5/10)
- Better fit for small business (8/10 vs 5/10)
- Includes Invoicing, which Spendesk lacks
Why choose Spendesk
- Higher Scalability score (7/10 vs 4/10)
- Higher Support score (6/10 vs 4/10)
- Better fit for enterprise (6/10 vs 2/10)
Pros & Cons
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.
Spendesk
Pros
- There are no per-user fees and cards are unlimited and free, so companies can give cards to every employee without seat costs going up.
- Accounts payable covers the whole process, from AI invoice capture and three-way PO matching to supplier payments in 70+ currencies.
- In France, receiving e-invoices is covered at no extra charge. Spendesk is registered with the DGFIP as a receive-only platform and supports Factur-X, UBL and CII.
- It has a wide set of connectors: NetSuite, DATEV, Business Central, Exact, Pennylane, more than 15 HR systems, TravelPerk, Okta and Entra ID.
- Reviewers rate it well for ease of use. G2 shows 4.6/5 from about 413 reviews, and Capterra shows about 4.7/5.
Cons
- Prices are not published, and key modules such as AP, procurement and ERP integrations are add-ons quoted separately, which makes cost comparison hard.
- Some reviewers report card payments that are blocked or declined after approval, with little explanation.
- Several reviews say support has become slower, with escalations taking days.
- Users report sync problems with ERPs such as NetSuite and sync delays between desktop and mobile.
- It cannot issue e-invoices or sales invoices, and reporting is basic for teams that need deep analytics.
Not sold on either?
Frequently Asked Questions
Spendesk scores higher on our Finance Software criteria: 6.7/10 against 6.3/10 for FacturaDirecta. The largest gap is in Cost: 8/10 for FacturaDirecta and 5/10 for Spendesk.
FacturaDirecta has a free plan; Spendesk does not list one.
Spendesk is the better fit for enterprise: we rate it 6/10 for them, against 2/10 for FacturaDirecta.
FacturaDirecta has Invoicing, which Spendesk lacks.
