[{"data":1,"prerenderedAt":4392},["ShallowReactive",2],{"es-blog/gestion-de-facturas":3,"es-global-content":717,"es-article-global-content":2087,"es-blog-article-more-articles-4668b877-0b51-432a-8e0b-149cbe020955":2336,"es-blog-article-more-articles-318914075":4387},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":704,"full_slug":705,"sort_by_date":46,"position":706,"tag_list":707,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":709,"first_published_at":710,"release_id":46,"lang":59,"path":46,"alternates":711,"default_full_slug":712,"translated_slugs":713},"Cómo dominar la gestión de las facturas de tu empresa","2023-06-05T17:12:53.926Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:57.049Z",318914075,"c6a55405-3d30-451e-8121-9d552267c43b",{"_uid":11,"roles":12,"title":4,"author":13,"topics":69,"content":92,"category":590,"language":616,"component":603,"heroMedia":617,"sidebarCta":626,"publishedAt":627,"readingTime":628,"redirectUrl":23,"listingImage":629,"metaDescription":635,"componentsAfterTheArticle":636},"0e8b7322-7414-419f-a6fc-fdf6fb67a42c",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":52,"full_slug":53,"sort_by_date":46,"position":54,"tag_list":55,"is_startpage":29,"parent_id":56,"meta_data":46,"group_id":57,"first_published_at":58,"release_id":46,"lang":59,"path":46,"alternates":60,"default_full_slug":61,"translated_slugs":62,"_stopResolving":68},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":20,"name":14,"links":21,"picture":36,"lastName":38,"component":39,"firstName":14,"description":40},"89813b57-3ec3-4169-890b-393e41c6d7ea",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":41,"content":42},"doc",[43],{"type":44,"attrs":45,"content":48},"paragraph",{"textAlign":46,"key":47},null,"p-0",[49],{"text":50,"type":51},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z","es",[],"blog/author/spendesk",[63,65,67],{"path":61,"name":46,"lang":64,"published":46},"fr",{"path":61,"name":46,"lang":66,"published":46},"de",{"path":61,"name":46,"lang":59,"published":46},true,[70],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":76,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":82,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":86,"default_full_slug":87,"translated_slugs":88,"_stopResolving":68},"Facturas","2023-04-12T07:18:47.128Z","2026-03-12T10:47:54.356Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"_uid":77,"name":71,"component":78},"a2c58a16-f495-475f-951f-05171468aae4","tag","facturas","es/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[89,90,91],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"type":41,"content":93},[94,103,110,117,124,136,171,189,206,213,220,227,237,273,291,298,305,312,330,339,346,353,371,378,387,394,428,435,442,494,507,514,523,530,576,583],{"type":44,"content":95},[96],{"text":97,"type":51,"marks":98},"La gestión de facturas se ha convertido oficialmente en una verdadera pesadilla. Según una investigación, “el 82 % de los departamentos financieros se sienten abrumados por el elevado número de facturas que deben procesar a diario y la variedad de formatos en que se reciben” (Wax Digital).",[99],{"type":100,"attrs":101},"textStyle",{"color":102},"rgb(0, 0, 0)",{"type":44,"content":104},[105],{"text":106,"type":51,"marks":107},"A pesar de sus buenas intenciones, las empresas han ido encadenando procesos de facturación que hacen la vida de todos un poco más difícil cada vez. Y es que nunca se diseñaron como soluciones a largo plazo. Era lo mejor para un momento concreto. ",[108],{"type":100,"attrs":109},{"color":102},{"type":44,"content":111},[112],{"text":113,"type":51,"marks":114},"Pero entonces se estancaron.",[115],{"type":100,"attrs":116},{"color":102},{"type":44,"content":118},[119],{"text":120,"type":51,"marks":121},"Es hora de dar un paso más allá que simplemente introducir manualmente datos y duplicar la gestión. Todos los aspectos de la gestión de facturas que ralentizan tu empresa tienen solución. Y en este artículo intentaremos aportar claridad.",[122],{"type":100,"attrs":123},{"color":102},{"type":125,"attrs":126,"content":128},"heading",{"level":127},2,[129],{"text":130,"type":51,"marks":131},"¿Qué es la gestión de facturas? ",[132,134],{"type":133},"bold",{"type":100,"attrs":135},{"color":102},{"type":44,"content":137},[138,143,155,160,166],{"text":139,"type":51,"marks":140},"La ",[141],{"type":100,"attrs":142},{"color":102},{"text":144,"type":51,"marks":145},"gestión de facturas",[146,150,153],{"type":147,"attrs":148},"link",{"href":149,"uuid":46,"anchor":46,"target":46,"linktype":32},"https://www.spendesk.com/es/product/invoice-management/",{"type":100,"attrs":151},{"color":152},"rgb(17, 85, 204)",{"type":154},"underline",{"text":156,"type":51,"marks":157}," es el ",[158],{"type":100,"attrs":159},{"color":102},{"text":161,"type":51,"marks":162},"método por el que las empresas realizan el seguimiento y el pago de las facturas a los proveedores",[163,164],{"type":133},{"type":100,"attrs":165},{"color":102},{"text":167,"type":51,"marks":168},". Es simple: este proceso consiste en recibir la factura de un tercero, validarla como legítima, pagar al proveedor y anotar el pago en los registros de la empresa.",[169],{"type":100,"attrs":170},{"color":102},{"type":44,"content":172},[173,178,184],{"text":174,"type":51,"marks":175},"La verdad es que no parece tan complicado. Pero el problema es que ",[176],{"type":100,"attrs":177},{"color":102},{"text":179,"type":51,"marks":180},"intervienen varias personas y hay muchas probabilidades de cometer errores",[181,182],{"type":133},{"type":100,"attrs":183},{"color":102},{"text":185,"type":51,"marks":186},".",[187],{"type":100,"attrs":188},{"color":102},{"type":44,"content":190},[191,196,202],{"text":192,"type":51,"marks":193},"Por un lado, las facturas suelen enviarse al usuario del producto o servicio, y no siempre es alguien del departamento de finanzas. Si surge algún problema con la factura, esta vuelve al usuario y luego al proveedor para que la modifique. Así ",[194],{"type":100,"attrs":195},{"color":102},{"text":197,"type":51,"marks":198},"pasa de mano en mano",[199,200],{"type":133},{"type":100,"attrs":201},{"color":102},{"text":185,"type":51,"marks":203},[204],{"type":100,"attrs":205},{"color":102},{"type":44,"content":207},[208],{"text":209,"type":51,"marks":210},"Pero incluso si la factura llega a contabilidad sin problemas, todavía haría falta introducir los datos en una hoja de cálculo o en un programa de procesamiento de facturas, obtener la validación de un director o consejero delegado para que apruebe el gasto, realizar el pago (a través del banco) e introducir de nuevo todos estos datos de nuevo en los libros contables.",[211],{"type":100,"attrs":212},{"color":102},{"type":44,"content":214},[215],{"text":216,"type":51,"marks":217},"Este es el procedimiento operativo típico para la mayoría de las empresas en crecimiento. Sin embargo, veremos que hay formas más rápidas y precisas de gestionar las facturas. Y cuantas más haya, más importante será tener un buen proceso.",[218],{"type":100,"attrs":219},{"color":102},{"type":44,"content":221},[222],{"text":223,"type":51,"marks":224},"Hablemos un poco sobre las cuentas por pagar.",[225],{"type":100,"attrs":226},{"color":102},{"type":125,"attrs":228,"content":230},{"level":229},3,[231],{"text":232,"type":51,"marks":233},"Facturas y cuentas por pagar ",[234,235],{"type":133},{"type":100,"attrs":236},{"color":102},{"type":44,"content":238},[239,244,250,268],{"text":240,"type":51,"marks":241},"Para las empresas grandes y consolidadas, suelen incluir la ",[242],{"type":100,"attrs":243},{"color":102},{"text":245,"type":51,"marks":246},"gestión de facturas en el proceso de las",[247,248],{"type":133},{"type":100,"attrs":249},{"color":102},{"text":251,"type":51,"marks":252}," cuentas por pagar",[253,265,266],{"type":147,"attrs":254},{"href":255,"uuid":256,"anchor":46,"target":257,"linktype":258,"story":259},"/blog/cuentas-por-pagar","0d43d04b-c624-4943-8588-81714dbb6913","_self","story",{"name":260,"id":261,"uuid":256,"slug":262,"url":263,"full_slug":264,"_stopResolving":68},"El proceso de las cuentas por pagar: 4 claves para una gestión inteligente ",295580353,"cuentas-por-pagar","blog/cuentas-por-pagar","es/blog/cuentas-por-pagar",{"type":133},{"type":100,"attrs":267},{"color":102},{"text":269,"type":51,"marks":270},". Estas sirven para asegurarse de que se paga a los proveedores y de que tienes los bienes y servicios para que la empresa siga funcionando.",[271],{"type":100,"attrs":272},{"color":102},{"type":44,"content":274},[275,280,286],{"text":276,"type":51,"marks":277},"Como mencionamos antes, ",[278],{"type":100,"attrs":279},{"color":102},{"text":281,"type":51,"marks":282},"el personal encargado de las cuentas por pagar trabaja con otros empleados para garantizar que disponen de lo que necesitan",[283,284],{"type":133},{"type":100,"attrs":285},{"color":102},{"text":287,"type":51,"marks":288},". Esto puede incluir materias primas, software y también contratar servicios de autónomos y consultores. Todo ello va acompañado de facturas que hay que pagar.",[289],{"type":100,"attrs":290},{"color":102},{"type":44,"content":292},[293],{"text":294,"type":51,"marks":295},"El departamento de contabilidad trabaja para mejorar las relaciones con los proveedores, buscar descuentos y encontrar las mejores empresas con las que asociarse. ",[296],{"type":100,"attrs":297},{"color":102},{"type":44,"content":299},[300],{"text":301,"type":51,"marks":302},"Pasan mucho tiempo introduciendo datos y corrigiendo errores cometidos por otras personas en el proceso. Pero si no se dispone de un gestor o equipo especializado en las cuentas por pagar, se encargaría el director de la oficina o los expertos en finanzas. Y eso que ya bastante trabajo tienen.",[303],{"type":100,"attrs":304},{"color":102},{"type":44,"content":306},[307],{"text":308,"type":51,"marks":309},"Por lo general, este es el caso de la mayoría de las empresas pequeñas y en crecimiento. Siguen teniendo un montón de facturas que procesar, sin disponer de un equipo exclusivo para gestionarlas exclusivamente.",[310],{"type":100,"attrs":311},{"color":102},{"type":44,"content":313},[314,319,325],{"text":315,"type":51,"marks":316},"Ya sea que pertenezcas a una empresa grande o pequeña, ",[317],{"type":100,"attrs":318},{"color":102},{"text":320,"type":51,"marks":321},"es posible que sigas teniendo el mismo problema: procesos anticuados",[322,323],{"type":133},{"type":100,"attrs":324},{"color":102},{"text":326,"type":51,"marks":327},". Pero todo puede cambiar: la gestión de facturas ha avanzado mucho.",[328],{"type":100,"attrs":329},{"color":102},{"type":125,"attrs":331,"content":332},{"level":127},[333],{"text":334,"type":51,"marks":335},"Cómo ha cambiado el proceso de gestión de facturas",[336,337],{"type":133},{"type":100,"attrs":338},{"color":102},{"type":44,"content":340},[341],{"text":342,"type":51,"marks":343},"Gracias a la digitalización, ya no hay que pasar documentos de persona en persona. Ahora podemos comunicarnos fácilmente a través del correo electrónico y Slack en vez de enviar cartas.",[344],{"type":100,"attrs":345},{"color":102},{"type":44,"content":347},[348],{"text":349,"type":51,"marks":350},"Sucede lo mismo con las facturas. Es posible que sigas recibiendo alguna por correo postal, pero en la actualidad se utilizan mucho en archivos adjuntos a correos electrónicos. O en el caso de los programas informáticos y las suscripciones online, seguro que las encuentras ahí mismo, en las plataformas.",[351],{"type":100,"attrs":352},{"color":102},{"type":44,"content":354},[355,360,366],{"text":356,"type":51,"marks":357},"Pero todo esto de por sí no ha quitado trabajo a la hora de gestionar las facturas. ",[358],{"type":100,"attrs":359},{"color":102},{"text":361,"type":51,"marks":362},"Algunas empresas las imprimen",[363,364],{"type":133},{"type":100,"attrs":365},{"color":102},{"text":367,"type":51,"marks":368},", las vuelven a introducir en Excel y luego las archivan físicamente. ¡Demasiado trabajo!",[369],{"type":100,"attrs":370},{"color":102},{"type":44,"content":372},[373],{"text":374,"type":51,"marks":375},"Otras empresas las reenvían por email a la persona responsable, pero con el problema que conlleva el manejo manual de datos para actualizar los registros financieros.",[376],{"type":100,"attrs":377},{"color":102},{"type":125,"attrs":379,"content":380},{"level":229},[381],{"text":382,"type":51,"marks":383},"Cómo debería ser el proceso de gestión de facturas en 2023 ",[384,385],{"type":133},{"type":100,"attrs":386},{"color":102},{"type":44,"content":388},[389],{"text":390,"type":51,"marks":391},"¿Te gustaría que la gestión de facturas de tu empresa sea más llevadera? Te proponemos eliminar dos cosas:",[392],{"type":100,"attrs":393},{"color":102},{"type":395,"content":396},"bullet_list",[397,413],{"type":398,"content":399},"list_item",[400],{"type":44,"content":401},[402,408],{"text":403,"type":51,"marks":404},"La introducción manual de datos",[405,406],{"type":133},{"type":100,"attrs":407},{"color":102},{"text":409,"type":51,"marks":410},", que siempre lleva mucho tiempo y puede dar lugar a muchos errores; y",[411],{"type":100,"attrs":412},{"color":102},{"type":398,"content":414},[415],{"type":44,"content":416},[417,423],{"text":418,"type":51,"marks":419},"La doble gestión y el exceso de comunicación",[420,421],{"type":133},{"type":100,"attrs":422},{"color":102},{"text":424,"type":51,"marks":425},". Todos esos correos electrónicos para enviar facturas de un sitio a otro son más molestos de lo que la mayoría de nosotros pensamos.",[426],{"type":100,"attrs":427},{"color":102},{"type":44,"content":429},[430],{"text":431,"type":51,"marks":432},"La clave para lograrlo es: la automatización de facturas. En lugar de enviar un PDF a toda la empresa para su validación, el punto de contacto (el usuario del servicio, como hemos visto antes) puede simplemente introducir los datos en una herramienta o plataforma en el momento en que los recibe.",[433],{"type":100,"attrs":434},{"color":102},{"type":44,"content":436},[437],{"text":438,"type":51,"marks":439},"Así sería el proceso:",[440],{"type":100,"attrs":441},{"color":102},{"type":443,"attrs":444,"content":448},"ordered_list",{"order":445,"key":447},{"order":446},1,"ol-0",[449,458,467,476,485],{"type":398,"content":450},[451],{"type":44,"content":452},[453],{"text":454,"type":51,"marks":455},"El punto de contacto recibe una factura de un proveedor por correo electrónico (o incluso por correo postal).",[456],{"type":100,"attrs":457},{"color":102},{"type":398,"content":459},[460],{"type":44,"content":461},[462],{"text":463,"type":51,"marks":464},"Introduce los datos en el sistema para gestionar las facturas de la empresa. Algunos sistemas incluso leen la factura y extraen los datos automáticamente.",[465],{"type":100,"attrs":466},{"color":102},{"type":398,"content":468},[469],{"type":44,"content":470},[471],{"text":472,"type":51,"marks":473},"El gestor contable recibe una notificación automática y puede aprobar o denegar el pago en el mismo sistema.",[474],{"type":100,"attrs":475},{"color":102},{"type":398,"content":477},[478],{"type":44,"content":479},[480],{"text":481,"type":51,"marks":482},"El responsable financiero (o el empleado que lleva las cuentas a pagar) recibe la notificación y puede pagar la factura.",[483],{"type":100,"attrs":484},{"color":102},{"type":398,"content":486},[487],{"type":44,"content":488},[489],{"text":490,"type":51,"marks":491},"Estos datos se exportan automáticamente a la herramienta de contabilidad de la empresa.",[492],{"type":100,"attrs":493},{"color":102},{"type":44,"content":495},[496,502],{"text":497,"type":51,"marks":498},"Solo hay que introducir una vez los datos",[499,500],{"type":133},{"type":100,"attrs":501},{"color":102},{"text":503,"type":51,"marks":504}," (o ninguna, si la herramienta puede extraerlos) y no hay que preocuparse de los correos electrónicos internos.",[505],{"type":100,"attrs":506},{"color":102},{"type":44,"content":508},[509],{"text":510,"type":51,"marks":511},"Algunas herramientas incluso permiten al proveedor introducir sus propios datos de facturación directamente en el software. No tienen que molestarse en crear y adjuntar un archivo PDF, solo tienen que enviarle los datos sin procesar. ",[512],{"type":100,"attrs":513},{"color":102},{"type":125,"attrs":515,"content":516},{"level":127},[517],{"text":518,"type":51,"marks":519},"Olvídate de la pesada gestión de facturas",[520,521],{"type":133},{"type":100,"attrs":522},{"color":102},{"type":44,"content":524},[525],{"text":526,"type":51,"marks":527},"No siempre es fácil mejorar los malos procesos. 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Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":3104,"title":3105,"component":643,"description":3106},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":41,"content":3107},[3108],{"type":44,"attrs":3109,"content":3110},{"textAlign":46},[3111],{"text":3112,"type":51},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":3114,"title":3115,"component":643,"description":3116},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":41,"content":3117},[3118],{"type":44,"attrs":3119,"content":3120},{"textAlign":46},[3121],{"text":3122,"type":51},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":3124,"title":3125,"component":643,"description":3126},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":41,"content":3127},[3128],{"type":44,"attrs":3129,"content":3130},{"textAlign":46},[3131],{"text":3132,"type":51},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":3134,"title":3135,"component":643,"description":3136},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":41,"content":3137},[3138],{"type":44,"attrs":3139,"content":3140},{"textAlign":46},[3141],{"text":3142,"type":51},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":3144,"title":3145,"component":643,"description":3146},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":41,"content":3147},[3148],{"type":44,"attrs":3149,"content":3150},{"textAlign":46},[3151],{"text":3152,"type":51},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. La facturación electrónica B2B (Crea y Crece) se implantará con plazos de un año para empresas con facturación superior a ocho millones de euros y dos años para pymes, contados desde la publicación del RD 238/2026.",[3154],{"cta":3155,"_uid":3156,"title":3157,"eyebrow":3163,"subtitle":3168,"component":125,"textAlign":23,"flexibleSection":3173,"sectionSettings":3174,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":41,"content":3158},[3159],{"type":125,"attrs":3160,"content":3161},{"level":127,"textAlign":46},[3162],{"text":2458,"type":51},{"type":41,"content":3164},[3165],{"type":44,"attrs":3166,"content":3167},{"textAlign":46},[],{"type":41,"content":3169},[3170],{"type":44,"attrs":3171,"content":3172},{"textAlign":46},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2120,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[3184,3185,3186],{"path":3182,"name":46,"lang":64,"published":46},{"path":3182,"name":46,"lang":66,"published":46},{"path":3182,"name":46,"lang":59,"published":46},{"name":3188,"created_at":3189,"published_at":3190,"updated_at":3191,"id":3192,"uuid":3193,"content":3194,"slug":3303,"full_slug":3304,"sort_by_date":46,"position":3305,"tag_list":3306,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":3307,"first_published_at":3308,"release_id":46,"lang":59,"path":46,"alternates":3309,"default_full_slug":3310,"translated_slugs":3311},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-15T12:54:19.748Z","2026-07-15T12:54:19.813Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":3195,"title":3188,"topics":3196,"noIndex":29,"category":3205,"language":3214,"component":603,"heroMedia":3215,"metaTitle":3216,"publishedAt":3217,"readingTime":3079,"redirectUrl":23,"listingImage":3218,"metaDescription":3225,"bottomArticleCta":3226,"componentsAfterTheArticle":3227},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[3197],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3198,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3199,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3200,"default_full_slug":87,"translated_slugs":3201,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3202,3203,3204],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3206,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":3208,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":3209,"default_full_slug":611,"translated_slugs":3210,"_stopResolving":68},{"_uid":597,"icon":3207,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3211,3212,3213],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[3219],{"_uid":3220,"asset":3221,"caption":23,"component":625},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":3222,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3223,"copyright":23,"fieldtype":28,"meta_data":3224,"is_external_url":29},198316418782544,"https://a.storyblok.com/f/146026/2752x1536/2644346e19/spendesk_blog_cover_como_auditar_tu_software_verifactu_v2.jpg",{},"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[3228],{"_uid":3229,"items":3230,"heading":3281,"component":695},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[3231,3241,3251,3261,3271],{"_uid":3232,"title":3233,"component":643,"description":3234},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":41,"content":3235},[3236],{"type":44,"attrs":3237,"content":3238},{"textAlign":46},[3239],{"text":3240,"type":51},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":3242,"title":3243,"component":643,"description":3244},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":41,"content":3245},[3246],{"type":44,"attrs":3247,"content":3248},{"textAlign":46},[3249],{"text":3250,"type":51},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":3252,"title":3253,"component":643,"description":3254},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":41,"content":3255},[3256],{"type":44,"attrs":3257,"content":3258},{"textAlign":46},[3259],{"text":3260,"type":51},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":3262,"title":3263,"component":643,"description":3264},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":41,"content":3265},[3266],{"type":44,"attrs":3267,"content":3268},{"textAlign":46},[3269],{"text":3270,"type":51},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":3272,"title":3273,"component":643,"description":3274},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":41,"content":3275},[3276],{"type":44,"attrs":3277,"content":3278},{"textAlign":46},[3279],{"text":3280,"type":51},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[3282],{"cta":3283,"_uid":3284,"title":3285,"eyebrow":3291,"subtitle":3296,"component":125,"textAlign":23,"flexibleSection":3301,"sectionSettings":3302,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":41,"content":3286},[3287],{"type":125,"attrs":3288,"content":3289},{"level":127,"textAlign":46},[3290],{"text":2458,"type":51},{"type":41,"content":3292},[3293],{"type":44,"attrs":3294,"content":3295},{"textAlign":46},[],{"type":41,"content":3297},[3298],{"type":44,"attrs":3299,"content":3300},{"textAlign":46},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2110,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[3312,3313,3314],{"path":3310,"name":46,"lang":64,"published":46},{"path":3310,"name":46,"lang":66,"published":46},{"path":3310,"name":46,"lang":59,"published":46},{"name":3316,"created_at":3317,"published_at":3318,"updated_at":3319,"id":3320,"uuid":3321,"content":3322,"slug":3431,"full_slug":3432,"sort_by_date":46,"position":3433,"tag_list":3434,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":3435,"first_published_at":3436,"release_id":46,"lang":59,"path":46,"alternates":3437,"default_full_slug":3438,"translated_slugs":3439},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":3323,"title":3316,"topics":3324,"noIndex":29,"category":3333,"language":3342,"component":603,"heroMedia":3343,"metaTitle":3344,"publishedAt":3345,"readingTime":2513,"redirectUrl":23,"listingImage":3346,"metaDescription":3353,"bottomArticleCta":3354,"componentsAfterTheArticle":3355},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[3325],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3326,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3327,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3328,"default_full_slug":87,"translated_slugs":3329,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3330,3331,3332],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3334,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":3336,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":3337,"default_full_slug":611,"translated_slugs":3338,"_stopResolving":68},{"_uid":597,"icon":3335,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3339,3340,3341],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[3347],{"_uid":3348,"asset":3349,"caption":23,"component":625},"71b7f715-948b-4a24-8379-000055d9922b",{"id":3350,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3351,"copyright":23,"fieldtype":28,"meta_data":3352,"is_external_url":29},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[3356],{"_uid":3357,"items":3358,"heading":3409,"component":695},"392b2cba-2459-4fae-9ca3-82a370a248fc",[3359,3369,3379,3389,3399],{"_uid":3360,"title":3361,"component":643,"description":3362},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":41,"content":3363},[3364],{"type":44,"attrs":3365,"content":3366},{"textAlign":46},[3367],{"text":3368,"type":51},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":3370,"title":3371,"component":643,"description":3372},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":41,"content":3373},[3374],{"type":44,"attrs":3375,"content":3376},{"textAlign":46},[3377],{"text":3378,"type":51},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":3380,"title":3381,"component":643,"description":3382},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":41,"content":3383},[3384],{"type":44,"attrs":3385,"content":3386},{"textAlign":46},[3387],{"text":3388,"type":51},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":3390,"title":3391,"component":643,"description":3392},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":41,"content":3393},[3394],{"type":44,"attrs":3395,"content":3396},{"textAlign":46},[3397],{"text":3398,"type":51},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":3400,"title":3401,"component":643,"description":3402},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":41,"content":3403},[3404],{"type":44,"attrs":3405,"content":3406},{"textAlign":46},[3407],{"text":3408,"type":51},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[3410],{"cta":3411,"_uid":3412,"title":3413,"eyebrow":3419,"subtitle":3424,"component":125,"textAlign":23,"flexibleSection":3429,"sectionSettings":3430,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":41,"content":3414},[3415],{"type":125,"attrs":3416,"content":3417},{"level":127,"textAlign":46},[3418],{"text":2458,"type":51},{"type":41,"content":3420},[3421],{"type":44,"attrs":3422,"content":3423},{"textAlign":46},[],{"type":41,"content":3425},[3426],{"type":44,"attrs":3427,"content":3428},{"textAlign":46},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2100,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[3440,3441,3442],{"path":3438,"name":46,"lang":64,"published":46},{"path":3438,"name":46,"lang":66,"published":46},{"path":3438,"name":46,"lang":59,"published":46},{"name":3444,"created_at":3445,"published_at":3446,"updated_at":3447,"id":3448,"uuid":3449,"content":3450,"slug":3569,"full_slug":3570,"sort_by_date":46,"position":3571,"tag_list":3572,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":3573,"first_published_at":3574,"release_id":46,"lang":59,"path":46,"alternates":3575,"default_full_slug":3576,"translated_slugs":3577},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-15T12:59:16.664Z","2026-07-15T12:59:16.683Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":3451,"title":3444,"topics":3452,"noIndex":29,"category":3461,"language":3470,"component":603,"heroMedia":3471,"metaTitle":3472,"publishedAt":3473,"readingTime":2650,"redirectUrl":23,"listingImage":3474,"metaDescription":3481,"bottomArticleCta":3482,"componentsAfterTheArticle":3483},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3453],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3454,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3455,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3456,"default_full_slug":87,"translated_slugs":3457,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3458,3459,3460],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3462,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":3464,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":3465,"default_full_slug":611,"translated_slugs":3466,"_stopResolving":68},{"_uid":597,"icon":3463,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3467,3468,3469],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[3475],{"_uid":3476,"asset":3477,"caption":23,"component":625},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3478,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3479,"copyright":23,"fieldtype":28,"meta_data":3480,"is_external_url":29},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[3484],{"_uid":3485,"items":3486,"heading":3547,"component":695},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3487,3497,3507,3517,3527,3537],{"_uid":3488,"title":3489,"component":643,"description":3490},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":41,"content":3491},[3492],{"type":44,"attrs":3493,"content":3494},{"textAlign":46},[3495],{"text":3496,"type":51},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":3498,"title":3499,"component":643,"description":3500},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":41,"content":3501},[3502],{"type":44,"attrs":3503,"content":3504},{"textAlign":46},[3505],{"text":3506,"type":51},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":3508,"title":3509,"component":643,"description":3510},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":41,"content":3511},[3512],{"type":44,"attrs":3513,"content":3514},{"textAlign":46},[3515],{"text":3516,"type":51},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":3518,"title":3519,"component":643,"description":3520},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":41,"content":3521},[3522],{"type":44,"attrs":3523,"content":3524},{"textAlign":46},[3525],{"text":3526,"type":51},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":3528,"title":3529,"component":643,"description":3530},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":41,"content":3531},[3532],{"type":44,"attrs":3533,"content":3534},{"textAlign":46},[3535],{"text":3536,"type":51},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":3538,"title":3539,"component":643,"description":3540},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":41,"content":3541},[3542],{"type":44,"attrs":3543,"content":3544},{"textAlign":46},[3545],{"text":3546,"type":51},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. En la sección sobre la limpieza de datos de proveedores encontrarás la lista de comprobación completa.",[3548],{"cta":3549,"_uid":3550,"title":3551,"eyebrow":3557,"subtitle":3562,"component":125,"textAlign":23,"flexibleSection":3567,"sectionSettings":3568,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":41,"content":3552},[3553],{"type":125,"attrs":3554,"content":3555},{"level":127,"textAlign":46},[3556],{"text":2458,"type":51},{"type":41,"content":3558},[3559],{"type":44,"attrs":3560,"content":3561},{"textAlign":46},[],{"type":41,"content":3563},[3564],{"type":44,"attrs":3565,"content":3566},{"textAlign":46},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2080,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9","2026-07-01T14:07:18.315Z",[],"blog/pagos-sepa-espana-2026",[3578,3579,3580],{"path":3576,"name":46,"lang":64,"published":46},{"path":3576,"name":46,"lang":66,"published":46},{"path":3576,"name":46,"lang":59,"published":46},{"name":3582,"created_at":3583,"published_at":3584,"updated_at":3585,"id":3586,"uuid":3587,"content":3588,"slug":3705,"full_slug":3706,"sort_by_date":46,"position":3707,"tag_list":3708,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":3709,"first_published_at":3710,"release_id":46,"lang":59,"path":46,"alternates":3711,"default_full_slug":3712,"translated_slugs":3713},"Conciliación bancaria: qué es, ejemplo práctico y cómo automatizarla","2026-06-10T13:00:12.731Z","2026-07-15T12:52:27.550Z","2026-07-15T12:52:27.586Z",185986305006565,"347a8315-f054-4486-8046-cc11efd3e939",{"_uid":3589,"title":3582,"topics":3590,"noIndex":29,"category":3599,"language":3608,"component":603,"heroMedia":3609,"metaTitle":3610,"publishedAt":3611,"readingTime":2779,"redirectUrl":23,"listingImage":3612,"metaDescription":3619,"bottomArticleCta":3620,"componentsAfterTheArticle":3621},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[3591],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3592,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3593,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3594,"default_full_slug":87,"translated_slugs":3595,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3596,3597,3598],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3600,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":3602,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":3603,"default_full_slug":611,"translated_slugs":3604,"_stopResolving":68},{"_uid":597,"icon":3601,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3605,3606,3607],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom","2026-06-28 00:00",[3613],{"_uid":3614,"asset":3615,"caption":23,"component":625},"5bce087f-87f5-4cc0-9273-66bf36c1e1cf",{"id":3616,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3617,"copyright":23,"fieldtype":28,"meta_data":3618,"is_external_url":29},198314222330707,"https://a.storyblok.com/f/146026/2752x1536/e59e6d4a0f/spendesk_blog_cover_conciliacion_bancaria.jpg",{},"Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[3622],{"_uid":3623,"items":3624,"heading":3683,"component":695},"f710724d-656b-444b-b6f5-476932443755",[3625,3635,3653,3663,3673],{"_uid":3626,"title":3627,"component":643,"description":3628},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":41,"content":3629},[3630],{"type":44,"attrs":3631,"content":3632},{"textAlign":46},[3633],{"text":3634,"type":51},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":3636,"title":3637,"component":643,"description":3638},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":41,"content":3639},[3640],{"type":44,"attrs":3641,"content":3642},{"textAlign":46},[3643,3645,3651],{"text":3644,"type":51},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":3646,"type":51,"marks":3647},"objetivos financieros",[3648],{"type":147,"attrs":3649},{"href":3650,"uuid":46,"anchor":46,"target":1835,"linktype":32},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":3652,"type":51}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":3654,"title":3655,"component":643,"description":3656},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":41,"content":3657},[3658],{"type":44,"attrs":3659,"content":3660},{"textAlign":46},[3661],{"text":3662,"type":51},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":3664,"title":3665,"component":643,"description":3666},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":41,"content":3667},[3668],{"type":44,"attrs":3669,"content":3670},{"textAlign":46},[3671],{"text":3672,"type":51},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":3674,"title":3675,"component":643,"description":3676},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":41,"content":3677},[3678],{"type":44,"attrs":3679,"content":3680},{"textAlign":46},[3681],{"text":3682,"type":51},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. Esto mejora la trazabilidad de cada factura y facilita la conciliación entre facturas emitidas y pagos recibidos. 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A3).",{"_uid":3782,"title":3783,"component":643,"description":3784},"1eca101b-bbf0-4534-8a0e-0c83e848d741","¿Cómo se integra la automatización AP con un ERP como SAP o NetSuite?",{"type":41,"content":3785},[3786],{"type":44,"attrs":3787,"content":3788},{"textAlign":46},[3789],{"text":3790,"type":51},"Mediante conectores nativos o API, los datos de facturas, pagos y códigos contables se sincronizan automáticamente con el ERP, eliminando la re-entrada manual y garantizando que el libro mayor refleja la realidad en tiempo real.",{"_uid":3792,"title":3793,"component":643,"description":3794},"90afdeb0-83b3-4efe-9c2f-456ab08cc9f7","¿Qué son los anticipos a proveedores y cómo se gestionan con automatización AP?",{"type":41,"content":3795},[3796],{"type":44,"attrs":3797,"content":3798},{"textAlign":46},[3799],{"text":3800,"type":51},"Un anticipo a proveedores es un pago parcial realizado antes de recibir el bien o servicio. El software AP lo registra, lo vincula a la orden de compra correspondiente y lo descuenta automáticamente cuando llega la factura definitiva.",{"_uid":3802,"title":3803,"component":643,"description":3804},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":41,"content":3805},[3806],{"type":44,"attrs":3807,"content":3808},{"textAlign":46},[3809,3811,3816],{"text":3810,"type":51},"Para una empresa de 50 a 500 empleados, el proceso completo, incluyendo migración de datos de proveedores y formación del equipo, suele llevar entre cuatro y ocho semanas. --- Si tu empresa procesa decenas o cientos de facturas cada mes y el cierre contable sigue siendo un ejercicio manual, la automatización AP es el siguiente paso lógico. ",{"text":3812,"type":51,"marks":3813},"Solicita una demo",[3814],{"type":147,"attrs":3815},{"href":2447,"uuid":46,"anchor":46,"target":1835,"linktype":32},{"text":3817,"type":51}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3819],{"cta":3820,"_uid":3821,"title":3822,"eyebrow":3828,"subtitle":3833,"component":125,"textAlign":23,"flexibleSection":3838,"sectionSettings":3839,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":41,"content":3823},[3824],{"type":125,"attrs":3825,"content":3826},{"level":127,"textAlign":46},[3827],{"text":2458,"type":51},{"type":41,"content":3829},[3830],{"type":44,"attrs":3831,"content":3832},{"textAlign":46},[],{"type":41,"content":3834},[3835],{"type":44,"attrs":3836,"content":3837},{"textAlign":46},[],[],[],"automatizacion-cuentas-por-pagar","es/blog/automatizacion-cuentas-por-pagar",-1870,[],"02974883-ff5a-406b-ae71-689455771581","2026-06-10T13:00:50.663Z",[],"blog/automatizacion-cuentas-por-pagar",[3849,3850,3851],{"path":3847,"name":46,"lang":64,"published":46},{"path":3847,"name":46,"lang":66,"published":46},{"path":3847,"name":46,"lang":59,"published":46},{"name":3853,"created_at":3854,"published_at":3855,"updated_at":3856,"id":3857,"uuid":3858,"content":3859,"slug":3968,"full_slug":3969,"sort_by_date":46,"position":3970,"tag_list":3971,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":3972,"first_published_at":3973,"release_id":46,"lang":59,"path":46,"alternates":3974,"default_full_slug":3975,"translated_slugs":3976},"Mejor software de factura electrónica para empresas en España: comparativa 2025","2026-06-10T13:00:03.308Z","2026-07-15T12:35:52.549Z","2026-07-15T12:35:52.575Z",185986266409525,"f1b163ed-faef-4287-a973-bc4074bf1a32",{"_uid":3860,"title":3853,"topics":3861,"noIndex":29,"category":3870,"language":3879,"component":603,"heroMedia":3880,"metaTitle":3881,"publishedAt":3882,"readingTime":3079,"redirectUrl":23,"listingImage":3883,"metaDescription":3890,"bottomArticleCta":3891,"componentsAfterTheArticle":3892},"66aa9356-5ad3-4104-a0eb-d89593906e46",[3862],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3863,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3864,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3865,"default_full_slug":87,"translated_slugs":3866,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3867,3868,3869],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3871,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":3873,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":3874,"default_full_slug":611,"translated_slugs":3875,"_stopResolving":68},{"_uid":597,"icon":3872,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3876,3877,3878],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Mejor software de factura electrónica para empresas en Españ","2026-06-15 00:00",[3884],{"_uid":3885,"asset":3886,"caption":23,"component":625},"1e5973e9-8acb-48d8-b1a0-fd3d58d657c0",{"id":3887,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3888,"copyright":23,"fieldtype":28,"meta_data":3889,"is_external_url":29},198304600705594,"https://a.storyblok.com/f/146026/2752x1536/96b736d9a7/spendesk_blog_cover_mejor_software_factura.jpg",{},"Comparativa de software de factura electrónica para empresas españolas ante Veri*Factu y Crea y Crece. Criterios clave, plataformas y cómo preparar tu empresa.",[],[3893],{"_uid":3894,"items":3895,"heading":3946,"component":695},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3896,3906,3916,3926,3936],{"_uid":3897,"title":3898,"component":643,"description":3899},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":41,"content":3900},[3901],{"type":44,"attrs":3902,"content":3903},{"textAlign":46},[3904],{"text":3905,"type":51},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":3907,"title":3908,"component":643,"description":3909},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":41,"content":3910},[3911],{"type":44,"attrs":3912,"content":3913},{"textAlign":46},[3914],{"text":3915,"type":51},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":3917,"title":3918,"component":643,"description":3919},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":41,"content":3920},[3921],{"type":44,"attrs":3922,"content":3923},{"textAlign":46},[3924],{"text":3925,"type":51},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. FACeB2B es su extensión para facilitar el intercambio de facturas electrónicas entre empresas privadas, aunque su adopción aún es limitada.",{"_uid":3927,"title":3928,"component":643,"description":3929},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":41,"content":3930},[3931],{"type":44,"attrs":3932,"content":3933},{"textAlign":46},[3934],{"text":3935,"type":51},"No necesariamente, pero muchas herramientas de facturación se centran en la emisión. La recepción, validación y archivo de facturas entrantes requiere funcionalidad de cuentas por pagar que no todos los programas incluyen.",{"_uid":3937,"title":3938,"component":643,"description":3939},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":41,"content":3940},[3941],{"type":44,"attrs":3942,"content":3943},{"textAlign":46},[3944],{"text":3945,"type":51},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. Exige que el software de facturación genere un fichero firmado electrónicamente por cada operación, con requisitos técnicos distintos al VERI*FACTU estatal. --- New call-to-action",[3947],{"cta":3948,"_uid":3949,"title":3950,"eyebrow":3956,"subtitle":3961,"component":125,"textAlign":23,"flexibleSection":3966,"sectionSettings":3967,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":41,"content":3951},[3952],{"type":125,"attrs":3953,"content":3954},{"level":127,"textAlign":46},[3955],{"text":2458,"type":51},{"type":41,"content":3957},[3958],{"type":44,"attrs":3959,"content":3960},{"textAlign":46},[],{"type":41,"content":3962},[3963],{"type":44,"attrs":3964,"content":3965},{"textAlign":46},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1820,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[3977,3978,3979],{"path":3975,"name":46,"lang":64,"published":46},{"path":3975,"name":46,"lang":66,"published":46},{"path":3975,"name":46,"lang":59,"published":46},{"name":3981,"created_at":3982,"published_at":3983,"updated_at":3984,"id":3985,"uuid":3986,"content":3987,"slug":4104,"full_slug":4105,"sort_by_date":46,"position":4106,"tag_list":4107,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":4108,"first_published_at":4109,"release_id":46,"lang":59,"path":46,"alternates":4110,"default_full_slug":4111,"translated_slugs":4112},"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a paso","2026-06-10T13:00:01.653Z","2026-07-15T12:31:26.844Z","2026-07-15T12:31:26.867Z",185986259622305,"a4efc33d-5ef5-4c71-ae30-9ddb4ab0f2e6",{"_uid":3988,"title":3981,"topics":3989,"noIndex":29,"category":3998,"language":4007,"component":603,"heroMedia":4008,"metaTitle":4009,"publishedAt":4010,"readingTime":3079,"redirectUrl":23,"listingImage":4011,"metaDescription":4018,"bottomArticleCta":4019,"componentsAfterTheArticle":4020},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3990],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":3991,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":3992,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":3993,"default_full_slug":87,"translated_slugs":3994,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[3995,3996,3997],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":3999,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":4001,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":4002,"default_full_slug":611,"translated_slugs":4003,"_stopResolving":68},{"_uid":597,"icon":4000,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4004,4005,4006],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a","2026-06-10 00:00",[4012],{"_uid":4013,"asset":4014,"caption":23,"component":625},"fb32c233-78fc-4e59-8d18-b986abe049f8",{"id":4015,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4016,"copyright":23,"fieldtype":28,"meta_data":4017,"is_external_url":29},198302485543002,"https://a.storyblok.com/f/146026/2752x1536/bbbf15a8bc/spendesk_blog_cover_modelo-303-que-es-como-presentarlo.jpg",{},"El modelo 303 es la autoliquidación trimestral del IVA ante la AEAT. Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[4021],{"_uid":4022,"items":4023,"heading":4082,"component":695},"624a6787-08f1-4f35-8970-94eeedbbef72",[4024,4034,4044,4054,4064],{"_uid":4025,"title":4026,"component":643,"description":4027},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":41,"content":4028},[4029],{"type":44,"attrs":4030,"content":4031},{"textAlign":46},[4032],{"text":4033,"type":51},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":4035,"title":4036,"component":643,"description":4037},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":41,"content":4038},[4039],{"type":44,"attrs":4040,"content":4041},{"textAlign":46},[4042],{"text":4043,"type":51},"Sí, pero la declaración debe presentarse al menos cinco días antes del vencimiento. Pasado ese plazo, el pago requiere un código NRC emitido por el banco.",{"_uid":4045,"title":4046,"component":643,"description":4047},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":41,"content":4048},[4049],{"type":44,"attrs":4050,"content":4051},{"textAlign":46},[4052],{"text":4053,"type":51},"Un resultado negativo (más IVA soportado que devengado) se compensa en trimestres posteriores. La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":4055,"title":4056,"component":643,"description":4057},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":41,"content":4058},[4059],{"type":44,"attrs":4060,"content":4061},{"textAlign":46},[4062],{"text":4063,"type":51},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":4065,"title":4066,"component":643,"description":4067},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":41,"content":4068},[4069],{"type":44,"attrs":4070,"content":4071},{"textAlign":46},[4072,4074,4080],{"text":4073,"type":51},"Sí. Las adquisiciones intracomunitarias se declaran en las casillas 10 y 11 (IVA devengado) y en las casillas 36 a 39 (IVA deducible), aplicando la inversión del sujeto pasivo. Además, presenta el modelo 349 como resumen trimestral de operaciones intracomunitarias. Si gestionas ",{"text":4075,"type":51,"marks":4076},"facturas simplificadas",[4077],{"type":147,"attrs":4078},{"href":4079,"uuid":46,"anchor":46,"target":1835,"linktype":32},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":4081,"type":51},", ten en cuenta que no son válidas para operaciones intracomunitarias. --- Preparar el modelo 303 cada trimestre no tiene por qué consumir días de trabajo manual. Cuando cada gasto lleva el justificante, la categoría de IVA y la aprobación desde el momento en que se produce, el cierre trimestral se reduce a una revisión final.",[4083],{"cta":4084,"_uid":4085,"title":4086,"eyebrow":4092,"subtitle":4097,"component":125,"textAlign":23,"flexibleSection":4102,"sectionSettings":4103,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":41,"content":4087},[4088],{"type":125,"attrs":4089,"content":4090},{"level":127,"textAlign":46},[4091],{"text":2458,"type":51},{"type":41,"content":4093},[4094],{"type":44,"attrs":4095,"content":4096},{"textAlign":46},[],{"type":41,"content":4098},[4099],{"type":44,"attrs":4100,"content":4101},{"textAlign":46},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1810,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[4113,4114,4115],{"path":4111,"name":46,"lang":64,"published":46},{"path":4111,"name":46,"lang":66,"published":46},{"path":4111,"name":46,"lang":59,"published":46},{"name":4117,"created_at":4118,"published_at":4119,"updated_at":4120,"id":4121,"uuid":4122,"content":4123,"slug":4241,"full_slug":4242,"sort_by_date":46,"position":4243,"tag_list":4244,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":4245,"first_published_at":4246,"release_id":46,"lang":59,"path":46,"alternates":4247,"default_full_slug":4248,"translated_slugs":4249},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-08-11T08:51:58.451Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":4124,"title":4117,"topics":4125,"noIndex":29,"category":4142,"language":4151,"component":603,"heroMedia":4152,"metaTitle":4153,"publishedAt":4154,"readingTime":2513,"redirectUrl":23,"listingImage":4155,"metaDescription":4162,"bottomArticleCta":4163,"componentsAfterTheArticle":4164},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[4126,4134],{"name":71,"created_at":72,"published_at":6,"updated_at":73,"id":74,"uuid":75,"content":4127,"slug":79,"full_slug":80,"sort_by_date":46,"position":81,"tag_list":4128,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":84,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":4129,"default_full_slug":87,"translated_slugs":4130,"_stopResolving":68},{"_uid":77,"name":71,"component":78},[],[],[4131,4132,4133],{"path":87,"name":46,"lang":64,"published":46},{"path":87,"name":46,"lang":66,"published":46},{"path":87,"name":46,"lang":59,"published":46},{"name":2356,"created_at":2357,"published_at":6,"updated_at":2358,"id":2359,"uuid":2360,"content":4135,"slug":2362,"full_slug":2363,"sort_by_date":46,"position":81,"tag_list":4136,"is_startpage":29,"parent_id":83,"meta_data":46,"group_id":2365,"first_published_at":85,"release_id":46,"lang":59,"path":46,"alternates":4137,"default_full_slug":2367,"translated_slugs":4138,"_stopResolving":68},{"_uid":77,"name":2356,"component":78},[],[],[4139,4140,4141],{"path":2367,"name":46,"lang":64,"published":46},{"path":2367,"name":46,"lang":66,"published":46},{"path":2367,"name":46,"lang":59,"published":46},{"name":591,"created_at":592,"published_at":6,"updated_at":593,"id":594,"uuid":595,"content":4143,"slug":603,"full_slug":604,"sort_by_date":46,"position":605,"tag_list":4145,"is_startpage":29,"parent_id":607,"meta_data":46,"group_id":608,"first_published_at":609,"release_id":46,"lang":59,"path":46,"alternates":4146,"default_full_slug":611,"translated_slugs":4147,"_stopResolving":68},{"_uid":597,"icon":4144,"name":591,"component":602},{"id":599,"alt":600,"name":23,"focus":23,"title":23,"filename":601,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4148,4149,4150],{"path":611,"name":46,"lang":64,"published":46},{"path":611,"name":46,"lang":66,"published":46},{"path":611,"name":46,"lang":59,"published":46},[59],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00",[4156],{"_uid":4157,"asset":4158,"caption":23,"component":625},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":4159,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4160,"copyright":23,"fieldtype":28,"meta_data":4161,"is_external_url":29},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[4165],{"_uid":4166,"items":4167,"heading":1012,"component":695},"d437e15a-ca83-40ff-962f-928bbc083496",[4168,4186,4196,4206,4216],{"_uid":4169,"title":4170,"component":643,"description":4171},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":41,"content":4172},[4173],{"type":44,"attrs":4174,"content":4175},{"textAlign":46},[4176,4178,4184],{"text":4177,"type":51},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4179,"type":51,"marks":4180},"Ley 15/2010",[4181],{"type":147,"attrs":4182},{"href":4183,"uuid":46,"anchor":46,"target":1835,"linktype":32},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4185,"type":51},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":4187,"title":4188,"component":643,"description":4189},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":41,"content":4190},[4191],{"type":44,"attrs":4192,"content":4193},{"textAlign":46},[4194],{"text":4195,"type":51},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":4197,"title":4198,"component":643,"description":4199},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":41,"content":4200},[4201],{"type":44,"attrs":4202,"content":4203},{"textAlign":46},[4204],{"text":4205,"type":51},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":4207,"title":4208,"component":643,"description":4209},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":41,"content":4210},[4211],{"type":44,"attrs":4212,"content":4213},{"textAlign":46},[4214],{"text":4215,"type":51},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":4217,"title":4218,"component":643,"description":4219},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":41,"content":4220},[4221],{"type":44,"attrs":4222,"content":4223},{"textAlign":46},[4224,4226,4232,4234,4240],{"text":4225,"type":51},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":4227,"type":51,"marks":4228},"conciliación",[4229],{"type":147,"attrs":4230},{"href":4231,"uuid":46,"anchor":46,"target":1835,"linktype":32},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":4233,"type":51},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":4235,"type":51,"marks":4236},"visita spendesk.com/es/",[4237],{"type":147,"attrs":4238},{"href":4239,"uuid":46,"anchor":46,"target":1835,"linktype":32},"https://www.spendesk.com/es/",{"text":185,"type":51},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1730,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02","2026-06-02T11:11:52.472Z",[],"blog/calculo-periodo-medio-pago-proveedores",[4250,4251,4252],{"path":4248,"name":46,"lang":64,"published":46},{"path":4248,"name":46,"lang":66,"published":46},{"path":4248,"name":46,"lang":59,"published":46},{"name":4254,"created_at":4255,"published_at":4256,"updated_at":4257,"id":4258,"uuid":4259,"content":4260,"slug":4375,"full_slug":4376,"sort_by_date":46,"position":4377,"tag_list":4378,"is_startpage":29,"parent_id":708,"meta_data":46,"group_id":4379,"first_published_at":4380,"release_id":46,"lang":59,"path":46,"alternates":4381,"default_full_slug":4382,"translated_slugs":4383},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos 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a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[4293],{"_uid":4294,"asset":4295,"caption":23,"component":625},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":4296,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4297,"copyright":23,"fieldtype":28,"meta_data":4298,"is_external_url":29},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[4302],{"_uid":4303,"items":4304,"heading":1012,"component":695},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4305,4315,4325,4335,4345,4355,4365],{"_uid":4306,"title":4307,"component":643,"description":4308},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":41,"content":4309},[4310],{"type":44,"attrs":4311,"content":4312},{"textAlign":46},[4313],{"text":4314,"type":51},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":4316,"title":4317,"component":643,"description":4318},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":41,"content":4319},[4320],{"type":44,"attrs":4321,"content":4322},{"textAlign":46},[4323],{"text":4324,"type":51},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":4326,"title":4327,"component":643,"description":4328},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":41,"content":4329},[4330],{"type":44,"attrs":4331,"content":4332},{"textAlign":46},[4333],{"text":4334,"type":51},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":4336,"title":4337,"component":643,"description":4338},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":41,"content":4339},[4340],{"type":44,"attrs":4341,"content":4342},{"textAlign":46},[4343],{"text":4344,"type":51},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":4346,"title":4347,"component":643,"description":4348},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":41,"content":4349},[4350],{"type":44,"attrs":4351,"content":4352},{"textAlign":46},[4353],{"text":4354,"type":51},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":4356,"title":4357,"component":643,"description":4358},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":41,"content":4359},[4360],{"type":44,"attrs":4361,"content":4362},{"textAlign":46},[4363],{"text":4364,"type":51},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4366,"title":4367,"component":643,"description":4368},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":41,"content":4369},[4370],{"type":44,"attrs":4371,"content":4372},{"textAlign":46},[4373],{"text":4374,"type":51},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1710,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4384,4385,4386],{"path":4382,"name":46,"lang":64,"published":46},{"path":4382,"name":46,"lang":66,"published":46},{"path":4382,"name":46,"lang":59,"published":46},[4388,4389,4390,4391],["Reactive",3048],["Reactive",2612],["Reactive",3315],["Reactive",2911],1786724397955]