Fakto

Introduction to Fakto

Fakto is a free, open-access e-invoicing platform designed specifically for freelancers and micro-businesses operating in France. It enables users to create, send, and manage legally compliant electronic invoices according to the upcoming French regulatory requirements effective from 2026. Built by an independent developer, Fakto prioritizes accessibility and transparency—requiring no credit card, offering no hidden tiers, and charging no commission on payments.

The platform integrates core financial operations—including quote generation, expense tracking, revenue bookkeeping, URSSAF reporting, and supplier invoice processing—into a single interface. Its architecture complies with French data sovereignty standards: all data is hosted in France, encrypted using AES-256, and protected by an anti-fraud hash chain. Fakto supports both issuance and future reception of invoices via certified Partner Dematerialization Platforms (PDP), ensuring readiness for the mandatory Factur-X adoption timeline.

Key Takeaways

• Fully free for unlimited use: no subscription fees, no payment processing commissions, no feature restrictions
• Native Factur-X compliance (EN 16931 standard) with dual XML+PDF output and PDP integration support
• AI-assisted workflows including quote generation, payment delay forecasting, automated reminders, and revenue forecasting
• Supplier invoice processing via OCR-based import and automatic accounting reconciliation
• Integrated financial tools: receipt ledger, URSSAF-compliant reporting, SEPA QR codes, partial payments, recurring invoices, and credit notes
• Security and compliance: AES-256 encryption, two-factor authentication, hash-chain integrity verification, and French-hosted infrastructure
• Additional utilities: mileage allowance calculator with interactive map and 2024 fiscal rates, Telegram notification integration, and Progressive Web App (PWA) mobile access

How Fakto Works

Users begin by registering without a credit card and creating clients, quotes, or invoices directly from the dashboard. Invoices are generated in Factur-X format—embedding structured XML metadata alongside a human-readable PDF—and can be sent via email or prepared for transmission through an approved Partner Dematerialization Platform (PDP). Payments are processed via Stripe with zero commission charged by Fakto; SEPA QR codes are embedded automatically in invoices for bank transfers.

Supplier invoices are imported via OCR scanning, extracting line items, totals, and VAT information for automatic entry into the purchase register. The built-in AI—powered by the Mistral LLM—assists users by generating customized quotes from natural language prompts, predicting likely payment delays based on historical client behavior, drafting targeted reminders, and modeling short-term revenue forecasts. Recurring billing schedules (monthly or quarterly) are configured once and executed automatically, including email delivery and status tracking.

Core Benefits and Applications

Fakto serves as a unified operational hub for French freelancers who must meet evolving digital invoicing mandates while minimizing administrative overhead. It eliminates reliance on non-compliant formats like standalone PDFs or spreadsheets, which will be legally invalid for B2B transactions after 2026. Practical applications include managing multi-client service contracts with automated renewals, reconciling supplier costs against project margins, submitting URSSAF declarations directly from categorized revenue and expense data, and maintaining audit-ready records with cryptographic integrity guarantees.

The platform also streamlines expense management: users scan paper receipts or digital tickets via OCR to auto-populate expense reports, calculate mileage allowances using official 2024 fiscal rates, and attach geolocated route maps. Real-time notifications via Telegram provide instant visibility into payment statuses, overdue invoices, and cash flow metrics—enabling proactive financial decision-making without switching between applications.