Factura (invoice) is the proof of payment with tariff schedule; this is used among companies to know what they spent and taxes they payed.
Example: If Coca-Cola buys a truck, it requires the invoice to prove ownership and payment of government taxes.
Other example: When companies send you out of town, you are required to ask for the invoice to prove the expenses you made with the company's budget.
Cuenta (bill) is also a proof of payment, but is more related to a restaurant environment.
Example: if you go to a restaurant, you ask for the bill to know how much you'll pay as a total, NOT how much tax is charged.
Recibo (receipt) is also a proof of payment, but, in this case, it is usually used by small businesses when you make a purchase.
Example: When you buy something in GAP, ZARA, Bath and Body works, Steren, etc
Source: wordreference. com
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