Cofactu vs Quipu — no gems, and with real 2FA.
Quipu has solid OCR, but self-employed users invoice without 2FA, its mobile OCR forces opening a laptop to close the loop, and phone support sits behind a 49€ Premium paywall. Comparison with real quotes from Trustpilot and Capterra (May 2026).
What Quipu users say in 2026
Quotes and recurring patterns from Trustpilot, Capterra, and the App Store. We don't edit or cherry-pick the harshest ones — these are the most repeated complaints in verified reviews, with a link to the source.
"Quipu doesn't provide 2FA, no passkey, no Auth0 for login. It's not secure and leaves financial data exposed if a password leaks."
Capterra · Quipu reviews
"You can't add a VAT ID to international contacts, and you have to manually flag reverse charge invoices."
Trustpilot ES · Quipu
"Once a document is scanned, approval can only be done from the web version. The mobile app doesn't close the loop."
App Store · Quipu iPhone (3.2/5)
"We asked for support and were told they only assist accountants, not software users."
Trustpilot ES · Quipu
Point-by-point comparison
18 features compared. Every relevant gap includes a direct quote or documented pattern from Trustpilot/Capterra as evidence.
| Feature | Cofactu | Quipu |
|---|---|---|
| VeriFactu | ||
| Automatic intra-EU reverse charge Trustpilot: "you can't add a VAT ID to international contacts and have to manually flag reverse charge invoices" | Yes — auto when EU country + VAT ID are detected on the client | Manual, invoice by invoice |
| Full tax forms (303/347/130/111/115/190/390/349) | Included from the 9€ Self-employed plan | Only from the 36€/month Business plan |
| Native intra-EU Modelo 349 | Yes — direct AEAT XML | Not native |
| Auto-repair of a broken VeriFactu hash chain (4171) | Yes — 1-click | Manual |
| Security | ||
| TOTP 2FA + device-parsed sessions Capterra: "Quipu doesn't provide 2FA, no passkey, no Auth0 for login" | Yes — every plan | Not available |
| Digital cert encrypted with AES-256-GCM in R2 | Yes — per-org cert, audit log for every use | Standard |
| Fast mobile verification codes Pattern observed on App Store and Trustpilot | <30s | 5-30 minutes reported |
| Mobile | ||
| End-to-end receipt OCR from mobile App Store: "once scanned, approval can only be done from the web version" | Yes — photo → OCR → invoice without opening desktop | Approval must be done from the web |
| iPhone App Store rating | Universal PWA | 3.2/5 with 69 ratings |
| Pricing | ||
| Base self-employed plan | 9€/month — everything included | 14€/month Starter (30 OCR/month, no tax forms) |
| Receipt OCR | 1,000 scans/month included in Self-employed | 30/250 depending on plan + 50-OCR packs at 10€ |
| Phone support | Human chat <2h on the Small business/Accounting firm plan, no gating | Only on the 49€/month Premium plan |
| REST API with no call limit | No limit — included on every plan + npm SDK + webhooks | Solution plan capped at 2,000 calls/month; extra packs 5€/1,000 |
| Frozen-price commitment | 24 months in writing (/precios-justos) | No public commitment |
| Multi-tenant for accounting firms | ||
| Native parent-child hierarchy with per-org cert | Yes — switch between clients in 1 click | Advisory program as an add-on |
| Magic onboarding (036 + invoices + bank in 8 min) | Yes — single drop zone with AI 036 parser | Manual, client by client |
| Customer data | ||
| Full ZIP export with no lock-in | Yes — 1 click, CSV + PDF + XML + audit log | Limited |
| Quipu importer | Yes — from exported CSV | — |
Real cost for your usage, not the "starting from" price
Quipu's base price sounds good until you add extras and add-ons — the standalone modules you need to run as a real business. Typical scenarios:
Self-employed with 50 OCR receipts/month + 30 invoices
Cofactu
9€/month
No extras. No surprises.
Quipu
Base: 14€/month Starter
- + No tax forms (forced upgrade to 36€ Business)
- + Extra 50-OCR pack: +10€
Total: ≈ 36€/month (forced upgrade)
Small business with OCR + human support + manual EU reverse charge
Cofactu
19€/month
No extras. No surprises.
Quipu
Base: 25€/month Solution
- + Phone support (forced to Premium): +26€
- + Tax forms (forced to Business): included in Premium
Total: 49€/month Premium
Accounting firm with 50 clients
Cofactu
49€/month (unlimited clients)
No extras. No surprises.
Quipu
Base: Separate advisory program
- + Pricing on request · no native multi-tenant
Total: Sales call required
Quipu prices estimated from public rates, May 2026. If they've changed, email us at hola@cofactu.com and we'll update it.
Assisted migration from Quipu
If you're coming from Quipu, you don't start from zero:
- Native CSV importer — export clients/products/invoices from your Quipu panel and upload them in 1 step.
- Auto-detection of series and last number — we start numbering right where you left off, no reset.
- 30 days free + first month free if you bring >500 historical invoices (validate at your own pace).
- If you go back to Quipu, you take your data with you as a full ZIP (CSV + PDF + XML + audit log) in 1 click. No lock-out.
Frequently asked questions
Why do you make such a big deal about 2FA?
Doesn't Quipu have mobile OCR? But it does have an app...
How much does it cost to migrate from Quipu?
What if Quipu adds 2FA tomorrow?
30-day trial, no card required
If you'd rather stay with Quipu afterward, you take your data with you in a ZIP. No lock-in, no "let us call you to talk you out of it."