FACTO review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
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Our verdict
FACTO pairs a free plan with payroll in the same subscription, so a small business can invoice and run pay in the same place. Its stated audience is small business, and the listed model is free plan, so entry costs sit at the free end of this ranking.
Key facts
- Best for
- Small businesses that want invoicing with payroll in the plan and no entry cost.
- Free plan
- Yes (Source, checked September 26, 2026)
- Local compliance
- E-invoicing (Source, checked September 26, 2026)
- Payroll
- Included (Source, checked September 26, 2026)
- Platforms
- iOS (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan
- Official website
- facto.cl
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A free plan is the listed model, free plan, so invoicing can start with no entry cost
- Payroll is included in the plan, so pay and invoicing sit under a single subscription
- E-invoicing is covered through e invoicing, the common case for small business billing
- Mobile access through ios supports invoicing away from the desk
Cons
- Compliance is limited to e invoicing, a narrower set than the Peppol coverage peppol and e invoicing lists
- The listed platform is ios, with no other device platform named
- Payroll is included inside the subscription, so its cost is bundled rather than priced as a separate product
Who it suits
- Small businesses that bill clients directly and need e-invoicing as the standard route
- Solo operators and freelancers who want payroll in the same place as their invoicing
- Anyone who wants to start on a free plan and move up a tier when the business grows
Who should look elsewhere
- Businesses that need Peppol, which peppol and e invoicing covers on Accountable
- Teams wanting a paid plan priced openly at entry, since Qonto and myGreekTax have no free plan
- Buyers who only want invoicing without pay, since payroll is included in the FACTO plan
Core features
FACTO handles pay as well as billing, with payroll included in the plan rather than sold as a separate product. For owners working away from a desk, ios keeps invoices and cash flow in reach. The result is a small business subscription covering pay and invoicing together, which most tools in this category split across separate products.
How FACTO compares
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 9.1- 9.1 vs 9.2
9.1 vs 9.5
9.1 vs 9.0Has no free plan, so entry starts higher than FACTO's free plan under free plan
- 9.1 vs 8.8
9.1 vs 9.2- 9.1 vs 9.0
- 9.1 vs 8.9
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.0
Where FACTO is available
- Available
- Chile
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
Does FACTO cost anything to start?+
There is a free plan, and free plan lists the free plan as the way in. A small business can run invoicing at no cost before deciding on anything paid, which stands out in a category where several rivals charge from the outset.
Is payroll included or a separate add-on?+
Payroll is included in the FACTO plan, so there is no extra payroll contract to arrange alongside the accounting side. That suits small businesses that would rather hold a single subscription than shop for a separate payroll tool.
What compliance does FACTO cover?+
E-invoicing is handled through e invoicing, the same compliance set shared by most accounting tools in this ranking. It covers the common invoicing case for a small business, though the set is narrower than a tool built around Peppol documents.
Is there an app for billing on the move?+
Yes, mobile access comes through ios, the app channel FACTO lists. Small businesses that invoice from a site, a vehicle or a client kitchen can raise and check invoices without opening a laptop, and the same plan covers pay.
How does FACTO compare with Qonto on free plans?+
Qonto has no free plan, so its entry cost is higher. FACTO keeps a free plan as the listed model, which matters most for a business that only needs basic invoicing in its early months.
Who is FACTO aimed at?+
The stated audience is small business, which fits owners and managers who want invoicing and pay handled together rather than assembled from separate tools. It is a narrower target than the enterprise buyers seen elsewhere in this category.
Does Accountable cover more compliance than FACTO?+
Accountable lists peppol and e invoicing, which adds Peppol alongside e-invoicing. If a counterparty asks for Peppol documents, that is the reason to weigh Accountable instead, while FACTO covers e invoicing with no extra document type named.
Can I move from the free plan to a paid one later?+
The listed model is free plan, so the free plan is where a business starts and paid tiers sit above it. Owners who outgrow the free plan can add payroll later, since payroll is included in the plan rather than a separate contract.
Sources
- apps.apple.com/us/app/facto/id1525358843 checked September 26, 2026
Backs: Platforms
“trackName=FACTO; sellerName=Facto Est. 1987, LLC”
- facto.cl checked September 26, 2026
Backs: Audience, Payroll
“Liquidaciones de sueldo”
- facto.cl/facturacion checked September 26, 2026
Backs: Free plan, Local compliance, Pricing model
“Factura electronica gratuita”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Price from, Free trial length.
FACTO
Small businesses that want invoicing with payroll in the plan and no entry cost.