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).
Linked data · Prices in context · No lock-in
Open the comparison ↓Documented reading
Summary of the comparison between Cofactu and Quipu
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Alternative reviewed
Quipu
invoicing for self-employed with receipt OCR -
18Capabilities
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Operating suite
Cofactu
Invoicing, accounting and tax connected -
6Areas
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4References
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3Scenarios
The Quipu experience has already
left a public trail.
These quotes and patterns come from the sources indicated. They are shown with context and a link so you can check the full origin.
- 01 Capterra · Quipu reviews “Quipu doesn't provide 2FA, no passkey, no Auth0 for login. It's not secure and leaves financial data exposed if a password leaks.”
- 02 Trustpilot ES · Quipu “You can't add a VAT ID to international contacts, and you have to manually flag reverse charge invoices.”
- 03 App Store · Quipu iPhone (3.2/5) “Once a document is scanned, approval can only be done from the web version. The mobile app doesn't close the loop.”
- 04 Trustpilot ES · Quipu “We asked for support and were told they only assist accountants, not software users.”
The difference shows when you
compare the whole job.
It is not enough that a feature exists. What matters is its scope, the context it keeps and what happens before and after.
| Capability | Cofactu | Quipu | Evidence |
|---|---|---|---|
| VeriFactu · Automatic intra-EU reverse charge | Yes — auto when EU country + VAT ID are detected on the client | Manual, invoice by invoice | Trustpilot: "you can't add a VAT ID to international contacts and have to manually flag reverse charge invoices" |
| VeriFactu · Full tax forms (303/347/130/111/115/190/390/349) | Included from the 39€ SME plan | Only from the 36€/month Business plan | |
| VeriFactu · Native intra-EU Modelo 349 | Yes — direct AEAT XML | Not native | |
| VeriFactu · Auto-repair of a broken VeriFactu hash chain (4171) | Yes — 1-click | Manual | |
| Security · TOTP 2FA + device-parsed sessions | Yes — every plan | Not available | Capterra: "Quipu doesn't provide 2FA, no passkey, no Auth0 for login" |
| Security · Digital cert encrypted with AES-256-GCM in R2 | Yes — per-org cert, audit log for every use | Standard | |
| Security · Fast mobile verification codes | <30s | 5-30 minutes reported | Pattern observed on App Store and Trustpilot |
| Mobile · End-to-end receipt OCR from mobile | Yes — photo → OCR → invoice without opening desktop | Approval must be done from the web | App Store: "once scanned, approval can only be done from the web version" |
| Mobile · iPhone App Store rating | Universal PWA | 3.2/5 with 69 ratings | |
| Pricing · Base self-employed plan | Free with unlimited invoices · SME 39€/month with all tax forms | 14€/month Starter (30 OCR/month, no tax forms) | |
| Pricing · Receipt OCR | AI credits/month shared by OCR and Lucía: 260 on Free, 3,000 on SME | 30/250 depending on plan + 50-OCR packs at 10€ | |
| Pricing · Phone support | People by WhatsApp and email on every plan; first response within 4 business hours if you can't invoice | Only on the 49€/month Premium plan | |
| Pricing · REST API with no call limit | No limit — included from the SME plan + npm SDK + webhooks | Solution plan capped at 2,000 calls/month; extra packs 5€/1,000 | |
| Pricing · Price transparency | Public prices + 30 days' notice before any increase | 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 | |
| Multi-tenant for accounting firms · Magic onboarding (036 + invoices + bank) | 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 | |
| Customer data · Quipu importer | Yes — from exported CSV | — |
The base price doesn't explain
what your case costs.
The scenarios spell out features, volume and add-ons; differences in scope may remain. Prices exclude VAT unless stated. Price review: 26 August 2026.
| Cost sheet compared | Cofactu · case described | Quipu · published base | Quipu · scenario result |
|---|---|---|---|
| Self-employed with 50 OCR receipts/month + 30 invoices | Free, or 39€/month with SME (tax forms included) | 14€/month Starter + No tax forms (forced upgrade to 36€ Business) + Extra 50-OCR pack: +10€ | ≈ 36€/month (forced upgrade) |
| Small business with OCR + human support + manual EU reverse charge | 39€/month | 25€/month Solution + Phone support (forced to Premium): +26€ + Tax forms (forced to Business): included in Premium | 49€/month Premium |
| Accounting firm with 50 clients | 89€/month (up to 50 clients; Accounting Firm Pro 199€ unlimited) | Separate advisory program + Pricing on request · no native multi-tenant | Sales call required |
If a price has changed, write to hola@cofactu.com and we will update the comparison.
Switching from Quipu
doesn't mean starting from zero.
If you're coming from Quipu, you don't start from zero:
Open the full guide ↗
Related guide
Assisted migration from Quipu
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Native CSV importer
export clients/products/invoices from your Quipu panel and upload them in 1 step.
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Auto-detection of series and last number
we start numbering right where you left off, no reset.
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30 days free
+ first month free if you bring >500 historical invoices (validate at your own pace).
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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.
Before switching from Quipu.
Answers on scope, data, prices and continuity before you decide.
See migration from Quipu →Why do you make such a big deal about 2FA?
Because managing electronic invoicing means custody of sensitive tax data plus a signed VeriFactu hash chain. If a password leaks, without 2FA an attacker can issue invoices under your name. It's a minimum baseline for a financial product. Quipu has confirmed this gap in its Capterra reviews and still hasn't implemented it.
Doesn't Quipu have mobile OCR? But it does have an app...
The app captures the receipt and uploads it. But final approval of the expense (validating extracted fields, assigning an accounting category, saving) requires opening the browser. Cofactu closes the entire loop from mobile — useful when you're out of the office with meal, taxi, or hotel receipts.
How much does it cost to migrate from Quipu?
Free. You export your data from the Quipu panel (CSV of clients, products, invoices) and upload it at /migrar/desde-quipu. If you're coming with >500 historical invoices, we give you the first month free to validate before migrating for good.
What if Quipu adds 2FA tomorrow?
Then welcome to the club. This page gets updated the same day. But the rest of the gaps (mobile OCR, gated support, modular pricing, no native multi-tenant) would still stand. And the 30-day notice before any price increase that Cofactu puts in writing in its terms isn't something they match either.
Test the workflow before you
change the way you work.
Start with no card. If Cofactu doesn't fit, keep your data and carry on with the option you prefer.
