Factusol vs Payhawk (2026): Pricing, Features & Verdict
Payhawk is our pick, scoring 7.1/10 against 6.4/10 for Factusol on our Finance Software criteria. Its biggest advantage: higher Integration score (9/10 vs 5/10). Neither Factusol nor Payhawk lists a free plan.
Last updated: November 2026
F
Factusol
6.4/10
Windows invoicing and stock-management software from TeamSystem (Software DELSOL) for Spanish SMEs. It covers quotes to invoices, warehouses, collections, and VERI*FACTU compliance.
Payhawk
7.1/10
Payhawk is a modular spend management platform combining Visa corporate cards, expense claims, accounts payable, procurement and travel booking for mid-sized and multi-entity companies.
Feature-by-Feature Comparison
| Feature | F Factusol | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 7.1/10 |
| Scalability | 5/10 | 8/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 5/10 | 9/10 |
| Security | 6/10 | 8/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 4/10 |
| Customization | 7/10 | 7/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €21/mo Nube (Cloud), Digital support | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | €27/mo Local installation | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
Factusol vs Payhawk cost by team size
| Team size | Factusol | Payhawk |
|---|---|---|
| 1 user | €21/moNube (Cloud), Digital support | £149/moGrowth programme (UK/EEA) |
| 5 users | €27/moLocal installation | £149/moGrowth programme (UK/EEA) |
| 10 users | €27/moLocal installation | £149/moGrowth programme (UK/EEA) |
| 25 users | €27/moLocal installation | $299/moTravel |
| 50 users | €27/moLocal installation | $299/moTravel |
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 Factusol and Payhawk suit
Factusol fits small business better than Payhawk.
| Audience | Factusol | Payhawk |
|---|---|---|
| Small Business | 8/10Built for Spanish SMEs that need invoicing plus stock control, with an entry price of about 21 EUR per month. | 4/10There is a discounted Growth programme for UK and EEA firms under 10 staff, but it is capped and reviewers say the cost is high for small companies. |
| E-commerce | 6/10Links to the TeamSystem online store and supports EDI, but it is a desktop tool. | Not rated |
| Enterprise | Not rated | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| Finance Teams | Not rated | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. |
| Freelancers | 4/10Reviewers say it runs only on Windows and that freelancers who work on Mac or mobile are better served by web tools. | Not rated |
| Logistics | 6/10Offers multi-warehouse stock with lot and serial traceability. | Not rated |
| Mid-Market | Not rated | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. |
| Startups | Not rated | 5/10The Growth plan and unlimited employee seats help, but annual contracts and the price floor are less startup-friendly than freemium rivals. |
Which One Should You Choose?
FWhy choose Factusol
- Higher Cost score (8/10 vs 4/10)
- Higher Support score (6/10 vs 5/10)
- Better fit for small business (8/10 vs 4/10)
Why choose Payhawk
- Higher Integration score (9/10 vs 5/10)
- Higher Scalability score (8/10 vs 5/10)
Pros & Cons
FFactusol
Pros
- Strong stock management, with multiple warehouses, lot and serial traceability, sizes and colours, and automatic supplier orders.
- Already adapted to VERI*FACTU, with TicketBAI and Factura-e support for Spanish compliance.
- Low entry price, from about 21 EUR per month in the cloud.
- Multi-company and multi-year operation, with per-user access control.
- 30-day free trial in both local and cloud versions.
Cons
- Accounting is not included and needs the separate ContaSOL product.
- Runs natively only on Windows, and the mobile app is for viewing only.
- No longer free, which is a common complaint from long-time users.
- Phone support costs considerably more, about 51 to 71 EUR per month according to reviewers.
- Users report a learning curve because of the many options.
Payhawk
Pros
- Unlimited employee seats, card transactions and document processing in every module, so costs do not scale per employee.
- Very broad native integration list, covering NetSuite, Sage Intacct, SAP, Dynamics, Xero, QuickBooks, DATEV and 30+ HR systems, plus a partner API and MCP connector.
- Strong for multi-entity European groups, with regulated card issuing entities in the EEA, UK and US and balances in six currencies.
- AP module includes 2- and 3-way PO matching, segregation-of-duties controls, and e-invoicing support for Peppol, KSeF, SDI and Finvoice.
- Reviewers often say employees find receipt capture and expense submission in the mobile app quick and easy.
Cons
- Trustpilot (2.8/5) and some G2 reviews describe mid-contract price increases, automatic renewals and difficult cancellations.
- Several reviewers report slow or AI-first support, with replies taking days or weeks.
- Annual pricing, unit fees for admin seats and cards, and add-on prices are not published, so you have to get a quote.
- Initial setup of workflows, custom fields and integrations is described as complex, and some reviewers note sync errors with Xero and with foreign currency refunds.
- It is not a general ledger or payroll system, so it needs a separate ERP or accounting package.
Not sold on either?
Frequently Asked Questions
Payhawk scores higher on our Finance Software criteria: 7.1/10 against 6.4/10 for Factusol. The largest gap is in Cost: 8/10 for Factusol and 4/10 for Payhawk.
No, neither Factusol nor Payhawk lists a free plan.
Factusol is the better fit for small business: we rate it 8/10 for them, against 4/10 for Payhawk.
