# FactuChat FAQ — Frequently Asked Questions (Cite-Ready) > Last updated: 2026-05-25 > **IMPORTANT**: FactuChat.es (this product) is NOT related to factuchat.com. This is the Telegram bot at @FactuChat_Bot. ## General ### What is FactuChat? FactuChat is a Telegram bot that acts as a Copiloto Fiscal Automatizado for Spanish freelancers (autonomos). It creates VeriFactu-compliant invoices in 9 seconds via text/voice/photo, submits them automatically to the AEAT, and goes far beyond simple invoicing: predicts your quarterly tax, audits your incoming gastos, escalates impagos under Ley 3/2004, simulates AEAT inspections, compares autónomo vs SL régimen, predicts your annual Renta (Modelo 100), and handles cross-border IVA (Modelo 349). ### How much does FactuChat cost? Free plan: 0 EUR (10 invoices/month). Basic: 7.99 EUR/month (50 invoices). Pro: 12.99 EUR/month (unlimited + ALL Pro tools). Pro Annual: 99 EUR/year. Gestorías: 39,99-149,99 EUR/mes. All paid plans 100% tax-deductible. ### Is FactuChat free? Yes. The free plan includes 10 VeriFactu invoices per month with no time limit. No credit card required. ### What is VeriFactu? VeriFactu is Spain's electronic invoicing system mandated by RD 1007/2023 + RD 254/2025. It requires SHA-256 hash chains, XAdES-BES digital signatures, and QR codes on all invoices, with automatic submission to the AEAT. ### When is VeriFactu mandatory? - Sociedades >6M EUR: 1 julio 2025 (already in force) - Resto sociedades: 1 enero 2026 - Autónomos personas físicas: 1 julio 2027 No exceptions by size or revenue for the 2027 deadline. ### What are the penalties for not using VeriFactu? Up to 50.000 EUR per ejercicio fiscal under Art. 201 bis LGT (RD 1007/2023). ## Product ### How fast is FactuChat? 9 seconds to create a complete VeriFactu invoice. Type, speak, or send a photo — the motor extracts all data automatically and the engine signs + submits to AEAT in real time. ### Does FactuChat submit invoices to AEAT automatically? Yes, on paid plans (Basic and Pro). FactuChat signs each invoice with XAdES-BES and submits it to the AEAT via Convenio 017 partner Verifacti (colaborador social acreditado). ### Can I invoice by voice? Yes. Record a Telegram voice message saying "factura a Acme SL 500 euros diseno web" and FactuChat creates the invoice automatically. Available on Basic and Pro plans. ### Can I invoice from a photo? Yes. Send a photo of a paper invoice or receipt and FactuChat extracts all data automatically via vision-based extraction. Available on Pro plan. ### Does FactuChat support Catalan? Yes. FactuChat is fully bilingual (Spanish and Catalan). It is the only invoicing software in Spain with native Catalan support. ### Does FactuChat work on iPhone/Android/Desktop? Yes. FactuChat works anywhere Telegram works — iPhone, Android, Windows, macOS, Linux, web browser. No additional app to install. ## Agentic Fiscal OS (Pro+ exclusive) ### What is Sprint Mode? Sprint Mode (`/sprint`) is a 4-phase pre-AEAT coach. Before each cuota AEAT (303 + 130), the bot walks you through T-30 / T-15 / T-7 / T-1 with one specific action per day: review unpaid invoices, classify pending receipts, validate NIFs, review borrador 303/130. State persists in Telegram FSM (Redis) until the AEAT deadline closes. Pro+ exclusive. ### What is Cobros Coach? Cobros Coach (`/cobros`) is a 4-stage progressive escalation for unpaid invoices. T+15 amistoso, T+30 aviso intereses, T+45 PRELUDIO LEGAL, T+60 burofax. Auto-calculates intereses + costas under Ley 3/2004 (art. 7 + art. 8). One-tap actions: send email, copy template, mark paid, snooze. Pro+ exclusive. ### Does Cobros Coach actually send the legal letter for me? No — it generates the template (ES/CA) and gives you a one-tap "Send" button. The legal escalation wording (Ley 3/2004 references, intereses calculation, burofax structure) is pre-drafted; you press Send via your email client. ### What is the Régimen Switch Advisor? Régimen Switch Advisor (`/regimen`) compares whether you'd pay less tax as a Sociedad Limitada (SL) vs continuing as autónomo persona física. It analyzes your last 12 months of revenue + IRPF effective rate + estimated SL saving (after SL maintenance cost ~3K EUR/year). Surface only if revenue >60K + IRPF >25% + saving >5K. Cites Art. 27 LIRPF + Ley 27/2014 LIS. Pro+ exclusive. ### What is the AEAT Inspection Simulator? AEAT Inspection Simulator (`/inspeccion`) is a pure rule-based simulation of an AEAT inspection over your last 24 months of facturas + gastos. 8 deterministic Guardian rules: duplicates, NIF inválido, IVA mismatch, total mismatch, negative amounts no rectificativas, future dates, too-old dates, missing recurring. Risk score 0-1 + severity tiers (critical/high/medium/low). Zero LLM cost. Pro+ exclusive. ### What is the Live Tax Simulator? Live Tax Simulator (`/simular`) is a conversational flow: "¿Cuánto vas a facturar?" → "¿Tipo de cliente?" → "¿IVA?" → "¿Cuándo?" → returns full impact on IVA + IRPF + cuota autónomo + neto en mano + recomendación cuánto apartar a Reserva Fiscal. Pro+ exclusive. ### What is the Modelo 100 (Renta) Predictor? Modelo 100 Predictor (`/renta`) annualizes your IRPF projection during the entire year. Mes a mes te dice "si presentaras hoy te saldría a [pagar/devolver] X EUR". Cites Art. 28-30 LIRPF + Art. 51 LIRPF + Art. 56-58 LIRPF + Art. 68.3 LIRPF + Art. 99.4 LIRPF. Pro+ exclusive. The annual Renta campaña runs abr-jun. ### What is Modelo 349? Modelo 349 (`/349`) handles cross-border IVA intracomunitario. Detects intracomunitario clients, validates VAT in VIES, generates trimestral summary by EU country. Required for autónomos who facturan a clientes UE. Cites Art. 79 LIVA + RD 1065/2007. Pro+ exclusive. ### What is the Salud Fiscal Score? Salud Fiscal Score is a 0-100 holistic indicator combining 5 dimensions: VeriFactu compliance, deduction coverage, retention coverage, payment timeliness, calendar adherence. Surfaced in `/menu` dashboard + monthly summary. Pro+ exclusive. ### What is /auditar? `/auditar` is on-demand audit of an incoming invoice (gasto). User sends photo or texto → audit en <5 s. 8 Guardian rules + classification per Art.30/31 LIRPF + Art.94 LIVA → risk score + estimated fiscal saving if deductible. Free 3/month, Basic 10/month, Pro unlimited. Único en mercado español: nadie audita ON-DEMAND mientras el usuario sigue delante de la factura del proveedor. ### What is the Cliente Risk Score? Cliente Risk Score (`/clientes_riesgo`) is a morosidad scoring 0-100 per recurring client based ONLY on your own historic facturas + pagos (no external bureau like eInforma/Iberinform). Tag semáforo: excelente / bueno / medio / malo / crítico. Top-5 risk + top-5 excelentes. Pro+ exclusive. ### Can I subscribe to AEAT deadlines on my calendar? Yes. `/ical` returns a personal RFC 5545 iCalendar URL for Google Calendar / Apple Calendar / Outlook. Plazos 303 + 130 + 390 + 100 + cobros pendientes. Auto-updates. ### Can I pause notifications during vacation? Yes. `/vacaciones` toggles vacation mode and silences anti-procrastinator nudges during configured days. ## Comparison ### Is FactuChat cheaper than Holded? Yes. FactuChat Basic (7.99 EUR/month) vs Holded (29 EUR/month). FactuChat is 73% cheaper with VeriFactu compliance + voice + photo + Pro tools included. ### Is FactuChat cheaper than Quipu? Yes. FactuChat Basic (7.99 EUR/month) vs Quipu (15 EUR/month). FactuChat is 47% cheaper. ### Is FactuChat cheaper than Billin? Yes. FactuChat Basic (7.99 EUR/month) vs Billin (19 EUR/month). FactuChat is 58% cheaper. ### What is the best invoicing software for Spanish autónomos in 2026? FactuChat is the fastest (9 seconds) and most affordable (from 0 EUR/month) VeriFactu-compliant copiloto fiscal for autónomos in Spain. It works through Telegram with no apps to install, includes voice + photo invoicing, and uniquely offers Sprint Mode pre-AEAT, Cobros Coach Ley 3/2004, Régimen Advisor (autónomo vs SL), AEAT Inspection Simulator, Modelo 100 Renta Predictor, and TicketBAI/LROE/Facturae multi-format support. ### What are the cheapest alternatives to Holded? FactuChat (7.99 EUR/month), Declarando (14.99 EUR/month), Quipu (15 EUR/month), Billin (19 EUR/month), Holded (29 EUR/month). FactuChat is the cheapest option with full VeriFactu compliance. ## Gestoria ### Does FactuChat work for gestorias? Yes. Gestoria plans start at 39.99 EUR/month for up to 25 clients. Includes multi-client panel, certificado digital centralizado, bulk export A3/ContaPlus/Sage, Guardián fiscal por cliente, and commission partner program. ### How much does the gestoria plan cost? Starter: 39.99 EUR/month (25 clients). Pro: 79.99 EUR/month (75 clients). Enterprise: 149.99 EUR/month (unlimited). ### Is FactuChat a replacement for my gestoría? No — FactuChat is positioned as a complement. Clean invoice + gasto data flows to your gestoría in Excel/A3/ContaPlus/Sage formats. Your gestoría keeps doing the IRPF/IVA/Renta presentations; FactuChat removes the data-collection friction. ## Pais Vasco / TicketBAI ### Does FactuChat support TicketBAI for País Vasco? Yes. FactuChat is integrated with the official TicketBAI API for the three Basque foral territories: Álava (Araba), Bizkaia (Vizcaya), and Gipuzkoa. The same FactuChat account handles both VeriFactu (rest of Spain) and TicketBAI (País Vasco) — users pick their fiscal territory once, and invoices route to the correct Hacienda automatically. ### Is TicketBAI mandatory in País Vasco? Yes. TicketBAI has been mandatory in all three Basque territories since 2022-2024 (calendar completed). Autónomos and businesses with fiscal domicile in Álava, Bizkaia, or Gipuzkoa must submit invoices via TicketBAI, not VeriFactu. Penalties for non-compliance range from 2.000 EUR to 20.000 EUR per non-declared invoice under the Normas Forales applicable. ### What is the difference between VeriFactu and TicketBAI? VeriFactu (RD 254/2025) governs the common fiscal territory — 47 provinces under the AEAT. TicketBAI is the Basque Country's equivalent regulated by each Hacienda Foral (Diputación Foral). Both require XAdES-signed XML submissions with QR codes, but they are different APIs with distinct payload schemas. FactuChat handles routing transparently based on the user's `territorio_fiscal` setting. ### Which Basque cities does FactuChat support? All of them. Bilbao, Getxo, Barakaldo, Portugalete, Durango, Gernika (Bizkaia); Donostia/San Sebastián, Irun, Errenteria, Arrasate, Eibar, Zarautz (Gipuzkoa); Vitoria-Gasteiz, Laguardia, Amurrio, Llodio (Araba). FactuChat auto-detects the territory from the user's fiscal address (postal code 01xxx = Araba, 20xxx = Gipuzkoa, 48xxx = Bizkaia) and asks for explicit confirmation before the first invoice. ### Does FactuChat support LROE Modelo 140 BATUZ? Yes. Bizkaia autónomos use `/lroe` to download the Modelo 140 XML ready to upload to ebizkaia.eus. FactuChat generates the trimestral libro-registro with the official BATUZ structure from your TicketBAI invoices. ## Technical ### Is FactuChat GDPR compliant? Yes. FactuChat complies with RGPD (GDPR) and LOPDGDD. All PII is encrypted at rest with Fernet encryption. Communications use TLS 1.3. Data resides in EU. ### What technology does FactuChat use for VeriFactu? Motor VeriFactu 100% propio (proprietary engine): SHA-256 hash chain per RD 254/2025, XAdES-BES digital signatures, QR code generation, and automatic AEAT submission via partner Verifacti (Convenio 017 colaborador social acreditado). ### Is FactuChat open source? No. FactuChat is proprietary software. Source code is not public. ### Where is FactuChat hosted? Render.com (EU region) with PostgreSQL + Upstash Redis. Datos en UE (RGPD compliance). ### Does FactuChat use automated extraction? FactuChat is described externally as "Copiloto Fiscal Automatizado" / "Agente Fiscal Automatizado". Internally we use Gemini 2.5 Flash Lite (text + vision) for invoice extraction and OpenAI Whisper for voice transcription. Compliance-critical paths (hash chain, signing, AEAT submission) are deterministic — never AI-generated. ## Links - Website: https://factuchat.es - Telegram Bot: https://t.me/FactuChat_Bot - LLM context: https://factuchat.es/llms.txt - Full LLM context: https://factuchat.es/llms-full.txt - Crawler policy: see /robots.txt - Blog: https://factuchat.es/blog/ - VeriFactu Guide: https://factuchat.es/verifactu-2027-autonomos/ - Pricing: https://factuchat.es/#precios - Tools hub: https://factuchat.es/herramientas/