[{"data":1,"prerenderedAt":4449},["ShallowReactive",2],{"es-blog/digitalizacion-de-facturas-ocr":3,"es-global-content":837,"es-article-global-content":2210,"es-blog-article-more-articles-4668b877-0b51-432a-8e0b-149cbe020955":2460,"es-blog-article-more-articles-213279528234193":4444},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":825,"full_slug":826,"sort_by_date":25,"position":827,"tag_list":828,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":830,"first_published_at":6,"release_id":25,"lang":32,"path":25,"alternates":831,"default_full_slug":832,"translated_slugs":833},"Digitalización de facturas con OCR: cómo extraer datos y contabilizarlas en tu ERP","2026-08-26T15:56:37.310Z","2026-08-26T16:07:08.620Z","2026-08-26T16:07:08.644Z",213279528234193,"43ec60b5-e33b-4010-9bcd-23751ee4e6c4",{"_uid":11,"roles":12,"title":4,"author":80,"topics":130,"content":152,"noIndex":28,"category":713,"language":738,"component":726,"heroMedia":739,"metaTitle":740,"sidebarCta":741,"publishedAt":90,"readingTime":742,"redirectUrl":90,"listingImage":743,"metaDescription":744,"bottomArticleCta":745,"componentsAfterTheArticle":746},"e75e11cf-c014-4af9-9dec-efbcdf3ea09c",[13,42,62],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":34,"translated_slugs":35,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":21,"name":14,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","tag","cfo","es/blog/role/cfo",null,-10,[],false,190903385,"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z","es",[],"blog/role/cfo",[36,38,40],{"path":34,"name":25,"lang":37,"published":25},"fr",{"path":34,"name":25,"lang":39,"published":25},"de",{"path":34,"name":25,"lang":32,"published":25},true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":50,"full_slug":51,"sort_by_date":25,"position":52,"tag_list":53,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":54,"first_published_at":55,"release_id":25,"lang":32,"path":25,"alternates":56,"default_full_slug":57,"translated_slugs":58,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":49,"name":43,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","finance-manager","es/blog/role/finance-manager",0,[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],"blog/role/finance-manager",[59,60,61],{"path":57,"name":25,"lang":37,"published":25},{"path":57,"name":25,"lang":39,"published":25},{"path":57,"name":25,"lang":32,"published":25},{"name":63,"created_at":64,"published_at":16,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":69,"full_slug":70,"sort_by_date":25,"position":52,"tag_list":71,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":72,"first_published_at":73,"release_id":25,"lang":32,"path":25,"alternates":74,"default_full_slug":75,"translated_slugs":76,"_stopResolving":41},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":49,"name":63,"component":22},"financial-controller","es/blog/role/financial-controller",[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],"blog/role/financial-controller",[77,78,79],{"path":75,"name":25,"lang":37,"published":25},{"path":75,"name":25,"lang":39,"published":25},{"path":75,"name":25,"lang":32,"published":25},{"name":81,"created_at":82,"published_at":16,"updated_at":83,"id":84,"uuid":85,"content":86,"slug":117,"full_slug":118,"sort_by_date":25,"position":119,"tag_list":120,"is_startpage":28,"parent_id":121,"meta_data":25,"group_id":122,"first_published_at":123,"release_id":25,"lang":32,"path":25,"alternates":124,"default_full_slug":125,"translated_slugs":126,"_stopResolving":41},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":87,"name":81,"links":88,"picture":102,"lastName":104,"component":105,"firstName":81,"description":106},"89813b57-3ec3-4169-890b-393e41c6d7ea",[89],{"tag":90,"_uid":91,"icon":92,"link":96,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":93,"alt":90,"name":90,"focus":90,"title":90,"filename":94,"copyright":90,"fieldtype":95,"is_external_url":28},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":103,"name":90,"focus":90,"title":90,"filename":103,"copyright":90,"fieldtype":95,"is_external_url":28},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":107,"content":108},"doc",[109],{"type":110,"attrs":111,"content":113},"paragraph",{"textAlign":25,"key":112},"p-0",[114],{"text":115,"type":116},"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",[],"blog/author/spendesk",[127,128,129],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},[131],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":137,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":142,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":146,"default_full_slug":147,"translated_slugs":148,"_stopResolving":41},"Facturas","2023-04-12T07:18:47.128Z","2026-03-12T10:47:54.356Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"_uid":138,"name":132,"component":22},"a2c58a16-f495-475f-951f-05171468aae4","facturas","es/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[149,150,151],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"type":107,"content":153},[154,159,166,172,178,194,200,229,235,240,246,252,258,264,269,274,279,284,297,302,307,320,325,330,335,340,345,516,534,539,545,597,603,608,614,620,626,638,644,650,671,677,691,697,699],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"Cada mes, antes del cierre contable, se repite el mismo escenario: una bandeja de entrada llena de facturas en PDF, cada una con su NIF, su base imponible y sus líneas de IVA. Tenerlas en formato digital no significa que estén listas para contabilizar. Un PDF puede contener texto seleccionable, pero no necesariamente datos estructurados que el software contable pueda importar directamente. Esa distancia entre el documento recibido y el asiento contable es donde se pierde tiempo. Este artículo recorre las cuatro fases que ayudan a cubrirla: escanear, extraer datos con OCR, validar y contabilizar en el ERP.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"Digitalizar una factura no es lo mismo que escanearla",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170],{"text":171,"type":116},"Escanear una factura de proveedor produce una imagen, por ejemplo, un fichero JPEG, TIFF o PDF. En ese archivo, los campos pueden no estar disponibles como datos estructurados. La imagen puede archivarse, pero no necesariamente puede importarse directamente a Holded, Sage, a3 o Quipu sin revisar o completar manualmente datos como el NIF del proveedor, la fecha de emisión, la base imponible y las cuotas de IVA.",{"type":110,"attrs":173,"content":175},{"textAlign":25,"key":174},"p-2",[176],{"text":177,"type":116},"Digitalizar facturas va un paso más allá. El resultado es un conjunto de datos estructurados que puede mapearse a las cuentas contables del Plan General de Contabilidad. La digitalización de facturas convierte el documento en información que el software puede procesar, aunque la revisión humana siga siendo necesaria.",{"type":110,"attrs":179,"content":181},{"textAlign":25,"key":180},"p-3",[182,184,192],{"text":183,"type":116},"La",{"text":185,"type":116,"marks":186}," factura electrónica",[187],{"type":188,"attrs":189},"link",{"href":190,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/factura-electronica/","_blank",{"text":193,"type":116}," representa un tercer nivel. Cuando el proveedor emite directamente una factura en un formato estructurado, como Facturae XML cuando corresponde, no hay escaneo ni extracción: los datos nacen estructurados. En España, determinadas facturas dirigidas a las administraciones públicas se remiten en formato Facturae a través de puntos generales de entrada como FACe, según el organismo y el procedimiento aplicable.",{"type":110,"attrs":195,"content":197},{"textAlign":25,"key":196},"p-4",[198],{"text":199,"type":116},"Un asesor contable que recibe facturas por correo puede escanearlas rápidamente, pero, si el proceso no extrae los datos, todavía tendrá que revisar o introducir manualmente la información necesaria para contabilizarlas. El tiempo acumulado es uno de los costes ocultos de archivar documentos sin extracción ni validación.",{"type":110,"attrs":201,"content":203},{"textAlign":25,"key":202},"p-5",[204,205,211,213,219,221,227],{"text":183,"type":116},{"text":206,"type":116,"marks":207}," digitalización certificada, reconocida por la AEAT",[208],{"type":188,"attrs":209},{"href":210,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/FZ01.shtml",{"text":212,"type":116},", puede permitir prescindir del papel original cuando se realiza mediante software homologado y conforme a todos los requisitos técnicos y documentales aplicables. El proceso debe garantizar, entre otros aspectos, la autenticidad, la integridad, la legibilidad, el acceso y la trazabilidad del documento digitalizado. La",{"text":214,"type":116,"marks":215}," Orden EHA/962/2007",[216],{"type":188,"attrs":217},{"href":218,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2007-7866",{"text":220,"type":116}," y la",{"text":222,"type":116,"marks":223}," Resolución de 24 de octubre de 2007",[224],{"type":188,"attrs":225},{"href":226,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2007-18911",{"text":228,"type":116}," establecen el marco aplicable.",{"type":110,"attrs":230,"content":232},{"textAlign":25,"key":231},"p-6",[233],{"text":234,"type":116},"La homologación del software, por sí sola, no convierte cualquier archivo cargado en una copia digitalizada certificada. En el caso de Spendesk, la documentación interna indica que el proceso español de digitalización certificada se limita a determinados flujos de captura mediante la cámara de la aplicación móvil. Las cargas desde la web, desde un archivo o desde el carrete del dispositivo no deben presentarse automáticamente como copias digitalizadas certificadas.",{"type":160,"attrs":236,"content":237},{"level":162,"textAlign":25},[238],{"text":239,"type":116},"Cómo el OCR extrae los datos de una factura",{"type":110,"attrs":241,"content":243},{"textAlign":25,"key":242},"p-7",[244],{"text":245,"type":116},"El reconocimiento óptico de caracteres, conocido como OCR, lee el documento escaneado y convierte las zonas de texto en valores que pueden editarse y procesarse. En contabilidad, un sistema OCR puede intentar extraer campos como el NIF del emisor, el NIF del receptor, la fecha de factura, la fecha de vencimiento, la base imponible, el tipo de IVA, la cuota de IVA y el total facturado. Los campos necesarios dependen del tipo de factura, del tratamiento fiscal y del flujo contable, por lo que no existe una lista universal de ocho campos que garantice el cumplimiento.",{"type":110,"attrs":247,"content":249},{"textAlign":25,"key":248},"p-8",[250],{"text":251,"type":116},"Los sistemas más avanzados pueden utilizar modelos de aprendizaje automático que no dependen de plantillas fijas. En lugar de definir la ubicación de cada campo según el proveedor, el software reconoce patrones y adapta la extracción a distintos formatos. Algunas soluciones también pueden proponer una categorización por proveedor, centro de coste o cuenta contable, pero esas propuestas deben revisarse antes de contabilizar.",{"type":110,"attrs":253,"content":255},{"textAlign":25,"key":254},"p-9",[256],{"text":257,"type":116},"Cada campo extraído puede llevar asociado un nivel de confianza. La precisión depende del formato del documento, la calidad de la imagen, el idioma, la estructura de la factura y el campo concreto que se esté leyendo. Las líneas de detalle, las facturas con varios tipos de IVA y los documentos con información poco legible suelen requerir una revisión más cuidadosa.",{"type":110,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-10",[262],{"text":263,"type":116},"En Spendesk, la documentación de producto indica que el OCR puede extraer datos como el importe, la base imponible, la divisa, las fechas de emisión y vencimiento, el proveedor, el número de factura, el número de pedido y los tipos e importes de IVA. Esta capacidad no implica que todos los campos se capturen siempre sin errores ni que desaparezca la necesidad de revisión.",{"type":160,"attrs":265,"content":266},{"level":162,"textAlign":25},[267],{"text":268,"type":116},"La validación es el paso que determina la fiabilidad",{"type":110,"attrs":270,"content":271},{"textAlign":25,"key":112},[272],{"text":273,"type":116},"Una tasa de acierto elevada no garantiza que todas las facturas lleguen correctas al ERP. Un dato incorrecto puede provocar un error contable o afectar a la información que debe incluirse en los registros de IVA, incluido el SII cuando resulte aplicable. No existe una tasa universal que permita afirmar que un error de cada cien documentos provoca una discrepancia en el SII.",{"type":110,"attrs":275,"content":276},{"textAlign":25,"key":168},[277],{"text":278,"type":116},"La validación debe situarse entre la extracción y el asiento. Antes de que el dato llegue al software contable, una persona o una regla automatizada debe confirmar que la base imponible es correcta, que el tipo de IVA corresponde a la operación y que el proveedor está dado de alta con el NIF que figura en la factura.",{"type":110,"attrs":280,"content":281},{"textAlign":25,"key":174},[282],{"text":283,"type":116},"Por ejemplo, una factura contiene una base imponible de 1.250 € en lugar de 1.520 €. El OCR puede extraer el importe equivocado sin detectar que se trata de una anomalía. Una validación previa, con reglas configuradas, puede marcar la factura para revisión antes de publicar el asiento.",{"type":110,"attrs":285,"content":286},{"textAlign":25,"key":180},[287,289,295],{"text":288,"type":116},"Las reglas de validación pueden definirse por importe, proveedor, categoría de gasto o centro de coste. Cuando una factura supera un umbral determinado, el sistema puede derivarla a un responsable que la",{"text":290,"type":116,"marks":291}," revisa y aprueba",[292],{"type":188,"attrs":293},{"href":294,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":296,"type":116}," antes de continuar.",{"type":110,"attrs":298,"content":299},{"textAlign":25,"key":196},[300],{"text":301,"type":116},"Spendesk incorpora flujos de aprobación configurables en los procesos de facturas de proveedores. La documentación interna describe rutas de aprobación por importe, categoría de gasto, centro de coste y políticas de usuario, con revisión financiera antes de la exportación o contabilización. La herramienta actúa como capa de control, no como sustituto del criterio contable ni de las obligaciones de la empresa.",{"type":160,"attrs":303,"content":304},{"level":162,"textAlign":25},[305],{"text":306,"type":116},"De la factura escaneada al asiento en tu ERP",{"type":110,"attrs":308,"content":309},{"textAlign":25,"key":202},[310,312,318],{"text":311,"type":116},"Una vez validada, la factura debe convertirse en un asiento contable.",{"text":313,"type":116,"marks":314}," Escanear facturas para contabilizarlas en el ERP",[315],{"type":188,"attrs":316},{"href":317,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":319,"type":116}," implica varias operaciones: mapear los campos extraídos a las cuentas del plan contable, asignar centros de coste si la empresa los utiliza, desglosar el IVA según los tipos aplicables y exportar los datos en un formato que el ERP reconozca.",{"type":110,"attrs":321,"content":322},{"textAlign":25,"key":231},[323],{"text":324,"type":116},"Las integraciones, las exportaciones y las API pueden simplificar el proceso. En lugar de generar un fichero de intercambio y subirlo manualmente, una conexión configurada puede enviar los datos al software contable en tiempo real o en lotes programados, según la solución y la configuración elegida. Para empresas que trabajan con una gestoría externa, la exportación debe adaptarse al formato que utilice el despacho.",{"type":110,"attrs":326,"content":327},{"textAlign":25,"key":242},[328],{"text":329,"type":116},"La disponibilidad de una integración directa con Holded, Sage, a3 o Quipu debe verificarse para cada producto, país y configuración. Ejemplo hipotético: Un director financiero de una empresa con dos sociedades puede necesitar que cada factura se contabilice en la entidad correcta, con su propio plan de cuentas y sus propios parámetros analíticos. La configuración multientidad puede ayudar a reducir errores de imputación que, de otro modo, obligarían a reclasificar asientos. La documentación de Spendesk describe configuraciones por entidad, incluidos códigos contables, códigos de IVA, parámetros analíticos y conectores, según el despliegue contratado.",{"type":110,"attrs":331,"content":332},{"textAlign":25,"key":248},[333],{"text":334,"type":116},"Cuando la factura validada se publica en el software contable, el registro puede incluir un enlace al documento original, si la integración lo permite. Spendesk puede actuar como capa de captura, control y conciliación que alimenta los sistemas contables mediante integraciones, exportaciones o API. También puede vincular las facturas de proveedores con su estado de pago dentro de Spendesk y facilitar la conciliación con actualizaciones del diario bancario. Esto no equivale a una conciliación automática de cualquier extracto bancario externo ni garantiza el cumplimiento del SII.",{"type":160,"attrs":336,"content":337},{"level":162,"textAlign":25},[338],{"text":339,"type":116},"Criterios para elegir una herramienta de digitalización de facturas",{"type":110,"attrs":341,"content":342},{"textAlign":25,"key":254},[343],{"text":344,"type":116},"No todas las soluciones de digitalización resuelven el mismo problema. Antes de seleccionar una herramienta, conviene definir qué resultados contables necesitas y qué restricciones operativas tienes.",{"type":346,"content":347},"table",[348,375,396,416,436,456,476,496],{"type":349,"content":350},"tableRow",[351,364],{"type":352,"attrs":353,"content":355},"tableHeader",{"colspan":354,"rowspan":354,"colwidth":25},1,[356],{"type":110,"attrs":357,"content":358},{"textAlign":25,"key":260},[359],{"text":360,"type":116,"marks":361},"Criterio",[362],{"type":363},"bold",{"type":352,"attrs":365,"content":366},{"colspan":354,"rowspan":354,"colwidth":25},[367],{"type":110,"attrs":368,"content":370},{"textAlign":25,"key":369},"p-11",[371],{"text":372,"type":116,"marks":373},"Por qué importa",[374],{"type":363},{"type":349,"content":376},[377,387],{"type":378,"attrs":379,"content":380},"tableCell",{"colspan":354,"rowspan":354,"colwidth":25},[381],{"type":110,"attrs":382,"content":384},{"textAlign":25,"key":383},"p-12",[385],{"text":386,"type":116},"Extracción y desglose de IVA",{"type":378,"attrs":388,"content":389},{"colspan":354,"rowspan":354,"colwidth":25},[390],{"type":110,"attrs":391,"content":393},{"textAlign":25,"key":392},"p-13",[394],{"text":395,"type":116},"El software debe separar las bases imponibles por tipo impositivo, por ejemplo, 21 %, 10 % y 4 %, cuando corresponda, para facilitar la revisión y la contabilización correcta.",{"type":349,"content":397},[398,407],{"type":378,"attrs":399,"content":400},{"colspan":354,"rowspan":354,"colwidth":25},[401],{"type":110,"attrs":402,"content":404},{"textAlign":25,"key":403},"p-14",[405],{"text":406,"type":116},"Mapeo de cuentas y centros de coste",{"type":378,"attrs":408,"content":409},{"colspan":354,"rowspan":354,"colwidth":25},[410],{"type":110,"attrs":411,"content":413},{"textAlign":25,"key":412},"p-15",[414],{"text":415,"type":116},"Sin un mapeo configurable, cada factura puede requerir edición manual antes de contabilizarla.",{"type":349,"content":417},[418,427],{"type":378,"attrs":419,"content":420},{"colspan":354,"rowspan":354,"colwidth":25},[421],{"type":110,"attrs":422,"content":424},{"textAlign":25,"key":423},"p-16",[425],{"text":426,"type":116},"Digitalización certificada",{"type":378,"attrs":428,"content":429},{"colspan":354,"rowspan":354,"colwidth":25},[430],{"type":110,"attrs":431,"content":433},{"textAlign":25,"key":432},"p-17",[434],{"text":435,"type":116},"Si quieres destruir el papel original, debes comprobar que el proceso utiliza software homologado y cumple todos los requisitos de la AEAT, no solo que incluya OCR.",{"type":349,"content":437},[438,447],{"type":378,"attrs":439,"content":440},{"colspan":354,"rowspan":354,"colwidth":25},[441],{"type":110,"attrs":442,"content":444},{"textAlign":25,"key":443},"p-18",[445],{"text":446,"type":116},"Integración real con el software contable",{"type":378,"attrs":448,"content":449},{"colspan":354,"rowspan":354,"colwidth":25},[450],{"type":110,"attrs":451,"content":453},{"textAlign":25,"key":452},"p-19",[454],{"text":455,"type":116},"Una integración, exportación o API correctamente configurada puede ahorrar trabajo manual. La disponibilidad debe verificarse para el ERP concreto.",{"type":349,"content":457},[458,467],{"type":378,"attrs":459,"content":460},{"colspan":354,"rowspan":354,"colwidth":25},[461],{"type":110,"attrs":462,"content":464},{"textAlign":25,"key":463},"p-20",[465],{"text":466,"type":116},"Captura desde distintos orígenes",{"type":378,"attrs":468,"content":469},{"colspan":354,"rowspan":354,"colwidth":25},[470],{"type":110,"attrs":471,"content":473},{"textAlign":25,"key":472},"p-21",[474],{"text":475,"type":116},"La herramienta puede recoger facturas por correo electrónico, carga manual o aplicación móvil.",{"type":349,"content":477},[478,487],{"type":378,"attrs":479,"content":480},{"colspan":354,"rowspan":354,"colwidth":25},[481],{"type":110,"attrs":482,"content":484},{"textAlign":25,"key":483},"p-22",[485],{"text":486,"type":116},"Flujo de aprobación",{"type":378,"attrs":488,"content":489},{"colspan":354,"rowspan":354,"colwidth":25},[490],{"type":110,"attrs":491,"content":493},{"textAlign":25,"key":492},"p-23",[494],{"text":495,"type":116},"Las facturas que superan ciertos importes o pertenecen a categorías sensibles pueden pasar por validación antes de contabilizarse.",{"type":349,"content":497},[498,507],{"type":378,"attrs":499,"content":500},{"colspan":354,"rowspan":354,"colwidth":25},[501],{"type":110,"attrs":502,"content":504},{"textAlign":25,"key":503},"p-24",[505],{"text":506,"type":116},"Volumen y precio",{"type":378,"attrs":508,"content":509},{"colspan":354,"rowspan":354,"colwidth":25},[510],{"type":110,"attrs":511,"content":513},{"textAlign":25,"key":512},"p-25",[514],{"text":515,"type":116},"El coste debe escalar de forma coherente con el número de facturas procesadas, las entidades y las funcionalidades utilizadas, no únicamente con el número de usuarios.",{"type":110,"attrs":517,"content":519},{"textAlign":25,"key":518},"p-26",[520,524,526,532],{"text":521,"type":116,"marks":522},"Ejemplo hipotético:",[523],{"type":363},{"text":525,"type":116}," Una empresa de 60 empleados con dos sociedades que externaliza la contabilidad a una gestoría puede necesitar un mapeo multientidad, una exportación compatible con el formato del despacho y un",{"text":527,"type":116,"marks":528}," flujo de aprobación por importe",[529],{"type":188,"attrs":530},{"href":531,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/orden-de-compra/",{"text":533,"type":116},". La disponibilidad de una integración concreta con a3 u otro software debe verificarse antes de contratar.",{"type":160,"attrs":535,"content":536},{"level":162,"textAlign":25},[537],{"text":538,"type":116},"Qué tipo de solución encaja según tu caso de uso",{"type":110,"attrs":540,"content":542},{"textAlign":25,"key":541},"p-27",[543],{"text":544,"type":116},"El mercado ofrece cuatro categorías.",{"type":546,"content":547},"bullet_list",[548,561,573,585],{"type":549,"content":550},"list_item",[551],{"type":110,"attrs":552,"content":554},{"textAlign":25,"key":553},"p-28",[555,559],{"text":556,"type":116,"marks":557},"OCR o extractor de datos aislado:",[558],{"type":363},{"text":560,"type":116}," extrae campos a CSV, Excel u otro formato. Encaja si el volumen es bajo y aceptas importar o revisar el dato en el software contable. Por sí solo, no permite destruir el papel original.",{"type":549,"content":562},[563],{"type":110,"attrs":564,"content":566},{"textAlign":25,"key":565},"p-29",[567,571],{"text":568,"type":116,"marks":569},"Software de digitalización certificada homologado por la AEAT:",[570],{"type":363},{"text":572,"type":116}," genera una copia digital mediante un proceso que puede tener validez a efectos de conservación, siempre que se cumplan todos los requisitos legales y técnicos. Encaja cuando tu prioridad es reducir o eliminar el archivo físico.",{"type":549,"content":574},[575],{"type":110,"attrs":576,"content":578},{"textAlign":25,"key":577},"p-30",[579,583],{"text":580,"type":116,"marks":581},"ERP o software contable con OCR nativo:",[582],{"type":363},{"text":584,"type":116}," captura y procesa los datos dentro del mismo sistema. Encaja si ya trabajas con una solución de este tipo y el volumen puede gestionarse con los controles y aprobaciones necesarios.",{"type":549,"content":586},[587],{"type":110,"attrs":588,"content":590},{"textAlign":25,"key":589},"p-31",[591,595],{"text":592,"type":116,"marks":593},"Plataforma de gestión del gasto con OCR, aprobaciones e integraciones:",[594],{"type":363},{"text":596,"type":116}," unifica varios orígenes de factura, aprobaciones por importe, varias sociedades y la colaboración con una gestoría. Spendesk puede actuar como capa de captura, control y conciliación que alimenta los sistemas contables mediante integraciones, exportaciones o API, sin sustituir necesariamente al ERP.",{"type":110,"attrs":598,"content":600},{"textAlign":25,"key":599},"p-32",[601],{"text":602,"type":116},"Cruza la categoría con tu volumen, el ERP, los flujos de aprobación y los requisitos de conservación y cumplimiento que resulten aplicables.",{"type":160,"attrs":604,"content":605},{"level":162,"textAlign":25},[606],{"text":607,"type":116},"Lo que la AEAT exige al digitalizar facturas en España",{"type":110,"attrs":609,"content":611},{"textAlign":25,"key":610},"p-33",[612],{"text":613,"type":116},"La normativa española establece requisitos concretos para la conservación y el tratamiento de facturas. Conocerlos ayuda a reducir riesgos y permite valorar si la digitalización certificada encaja con el proceso de la empresa.",{"type":110,"attrs":615,"content":617},{"textAlign":25,"key":616},"p-34",[618],{"text":619,"type":116},"La digitalización certificada exige utilizar software homologado por la AEAT y seguir un proceso que garantice la autenticidad, la integridad, la legibilidad y el acceso al documento digitalizado. Solo cuando se cumplen los requisitos aplicables puede prescindirse del original en papel. Un OCR genérico puede extraer datos, pero no equivale por sí mismo a un proceso de digitalización certificada.",{"type":110,"attrs":621,"content":623},{"textAlign":25,"key":622},"p-35",[624],{"text":625,"type":116},"No existe un único plazo universal de conservación para todas las facturas. Con carácter general, el plazo de prescripción tributaria es de cuatro años, aunque puede haber reglas especiales o interrupciones. Además, el Código de Comercio exige conservar los libros, la documentación y los justificantes relacionados con la actividad durante seis años desde la fecha del último asiento. También pueden existir plazos más largos para bases imponibles negativas, cuotas o deducciones pendientes y otros supuestos específicos.",{"type":110,"attrs":627,"content":629},{"textAlign":25,"key":628},"p-36",[630,636],{"text":631,"type":116,"marks":632},"VeriFactu ",[633],{"type":188,"attrs":634},{"href":635,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/sistemas-informaticos-facturacion-verifactu/cuestiones-generales.html",{"text":637,"type":116},"forma parte del marco aplicable a los sistemas informáticos de facturación. Para los contribuyentes afectados, el sistema de facturación debe cumplir los requisitos establecidos por la normativa. VeriFactu _no es la única modalidad: también existe una modalidad no VeriFactu_ con requisitos adicionales de conservación, trazabilidad, integridad y control.",{"type":110,"attrs":639,"content":641},{"textAlign":25,"key":640},"p-37",[642],{"text":643,"type":116},"Con la normativa vigente, los contribuyentes del Impuesto sobre Sociedades incluidos en el ámbito de aplicación deben adaptar sus sistemas antes del 1 de enero de 2027. El resto de obligados incluidos en el ámbito de aplicación deben hacerlo antes del 1 de julio de 2027. Estas fechas se refieren a la adaptación a los requisitos de los sistemas informáticos de facturación y no significan que todos los contribuyentes deban transmitir automáticamente todos sus registros a la AEAT mediante VeriFactu.",{"type":110,"attrs":645,"content":647},{"textAlign":25,"key":646},"p-38",[648],{"text":649,"type":116},"Las facturas emitidas mediante un sistema afectado deben incluir un código QR cuando así lo establezca la normativa aplicable. Los registros de facturación deben cumplir los requisitos de integridad y trazabilidad correspondientes. La transmisión automática y continua de los registros a la AEAT caracteriza la modalidad VeriFactu_, pero no es una obligación general de todos los sistemas no VeriFactu_.",{"type":110,"attrs":651,"content":653},{"textAlign":25,"key":652},"p-39",[654,655,661,663,669],{"text":183,"type":116},{"text":656,"type":116,"marks":657}," Ley Crea y Crece",[658],{"type":188,"attrs":659},{"href":660,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2022-15818",{"text":662,"type":116}," establece la factura electrónica obligatoria entre empresarios y profesionales en los supuestos previstos por la ley. Su desarrollo reglamentario se ha completado con el",{"text":664,"type":116,"marks":665}," Real Decreto 238/2026",[666],{"type":188,"attrs":667},{"href":668,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2026-7295",{"text":670,"type":116},", cuya aplicación efectiva queda vinculada a la entrada en vigor de la orden ministerial prevista en ese real decreto.",{"type":110,"attrs":672,"content":674},{"textAlign":25,"key":673},"p-40",[675],{"text":676,"type":116},"Los plazos de adaptación para la factura electrónica B2B se expresan en relación con ese hito: 12 meses desde la entrada en vigor de la orden ministerial para las empresas y profesionales cuyo volumen de operaciones del año anterior haya superado los 8 millones de euros, y 24 meses para el resto de empresas y profesionales incluidos en el ámbito de aplicación. No deben presentarse fechas fijas adicionales sin verificar previamente la publicación y entrada en vigor de la orden ministerial correspondiente.",{"type":110,"attrs":678,"content":680},{"textAlign":25,"key":679},"p-41",[681,683,689],{"text":682,"type":116},"Las empresas incluidas en el",{"text":684,"type":116,"marks":685}," SII",[686],{"type":188,"attrs":687},{"href":688,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/suministro-inmediato-informacion/informacion-general.html",{"text":690,"type":116},", como las grandes empresas, los grupos de IVA y las entidades inscritas en el REDEME, deben remitir los registros de facturación conforme a sus plazos específicos. En general, las facturas emitidas se suministran en un plazo de cuatro días naturales desde su expedición, sin contar sábados, domingos ni festivos nacionales. Si la factura la expide materialmente el destinatario o un tercero, el plazo es de ocho días. Las facturas recibidas se suministran en un plazo de cuatro días desde su registro contable, con el límite aplicable del día 16 del mes siguiente al periodo de liquidación. El SII implica el suministro de registros de facturación, no el envío general de las facturas completas a la AEAT.",{"type":110,"attrs":692,"content":694},{"textAlign":25,"key":693},"p-42",[695],{"text":696,"type":116},"Una pyme que quiera eliminar su archivo físico de facturas debe comprobar que el proceso de digitalización es el certificado y homologado que exige la AEAT. Un OCR genérico extrae datos, pero no cumple por sí solo los requisitos necesarios para sustituir el papel ante una inspección.",{"type":698},"horizontal_rule",{"type":110,"attrs":700,"content":702},{"textAlign":25,"key":701},"p-43",[703,705,711],{"text":704,"type":116},"¿Quieres ver cómo funciona la captura de facturas con flujos de aprobación y exportación a tu sistema contable?",{"text":706,"type":116,"marks":707}," Descubre cómo Spendesk convierte la captura de facturas en control",[708],{"type":188,"attrs":709},{"href":710,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":712,"type":116}," y comprueba cómo el equipo de finanzas puede dejar de teclear y empezar a validar.",{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":719,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":728,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":732,"default_full_slug":733,"translated_slugs":734,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":720,"icon":721,"name":714,"component":725},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[735,736,737],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Digitalización de facturas con OCR: extraer y contabilizar",[],"15",[],"Digitalización de facturas mediante OCR: descubre cómo extraer, validar y preparar los datos para contabilizarlos en el ERP, así como los requisitos de la AEAT.",[],[747],{"_uid":748,"items":749,"heading":801,"component":824},"73b6d500-79ee-4c80-8a75-9ed1fdf15ef9",[750,761,771,781,791],{"_uid":751,"title":752,"component":753,"description":754},"d924b0b5-8d0b-499f-ba08-7857e8a9a616","¿Qué diferencia hay entre escanear y digitalizar una factura?","faqItem",{"type":107,"content":755},[756],{"type":110,"attrs":757,"content":758},{"textAlign":25,"key":112},[759],{"text":760,"type":116},"Escanear produce una imagen. Digitalizar puede añadir extracción de campos y datos estructurados para que el software contable los procese. Una factura escaneada puede requerir revisión o introducción manual, mientras que una factura digitalizada puede reducir ese trabajo, sin eliminar necesariamente los controles humanos.",{"_uid":762,"title":763,"component":753,"description":764},"baa793b6-abe6-4b48-ab74-8a97f60052cd","¿La digitalización de facturas tiene validez legal ante la AEAT?",{"type":107,"content":765},[766],{"type":110,"attrs":767,"content":768},{"textAlign":25,"key":112},[769],{"text":770,"type":116},"Puede tenerla cuando se realiza mediante software homologado y conforme al proceso y los requisitos técnicos aplicables. En ese caso, puede ser posible prescindir del papel original, respetando los plazos de conservación tributarios, mercantiles y cualquier otro plazo especial que corresponda. La utilización de OCR, por sí sola, no basta.",{"_uid":772,"title":773,"component":753,"description":774},"1a50d434-b809-4c80-bad4-ae6ee7212735","¿Qué herramienta usar para escanear facturas y contabilizarlas automáticamente en un ERP?",{"type":107,"content":775},[776],{"type":110,"attrs":777,"content":778},{"textAlign":25,"key":112},[779],{"text":780,"type":116},"Depende del volumen, el tipo de documentos, el software contable, las necesidades de aprobación, el número de entidades y los requisitos de conservación. Antes de contratar, verifica la disponibilidad de la integración concreta, el formato de exportación, los campos que extrae el OCR y el nivel de revisión manual necesario.",{"_uid":782,"title":783,"component":753,"description":784},"0ae67cd1-17e5-4622-88ef-129bf9c01aaf","¿Qué fiabilidad tiene el OCR y qué pasa cuando se equivoca?",{"type":107,"content":785},[786],{"type":110,"attrs":787,"content":788},{"textAlign":25,"key":112},[789],{"text":790,"type":116},"La fiabilidad depende de la calidad del documento, el formato y el campo que se extrae. Ningún sistema es infalible. Por eso conviene establecer reglas de validación y marcar las excepciones para revisión manual antes de contabilizar.",{"_uid":792,"title":793,"component":753,"description":794},"1d28fe9f-1f03-40ac-8c6c-3e30b79d6a63","¿Desde cuándo es obligatorio VeriFactu?",{"type":107,"content":795},[796],{"type":110,"attrs":797,"content":798},{"textAlign":25,"key":112},[799],{"text":800,"type":116},"VeriFactu _no es la única modalidad del sistema informático de facturación. Los contribuyentes incluidos en el ámbito de aplicación deben adaptar sus sistemas antes del 1 de enero de 2027 o del 1 de julio de 2027, según la categoría aplicable. La transmisión automática de los registros a la AEAT corresponde a la modalidad VeriFactu_, mientras que los sistemas no VeriFactu deben cumplir requisitos adicionales de conservación, trazabilidad e integridad.",[802],{"cta":803,"_uid":804,"title":805,"eyebrow":812,"subtitle":817,"component":160,"textAlign":90,"flexibleSection":822,"sectionSettings":823,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"eec98af4-f9f2-45fc-9828-d785403f234b",{"type":107,"content":806},[807],{"type":160,"attrs":808,"content":809},{"level":162,"textAlign":25},[810],{"text":811,"type":116},"Preguntas frecuentes",{"type":107,"content":813},[814],{"type":110,"attrs":815,"content":816},{"textAlign":25},[],{"type":107,"content":818},[819],{"type":110,"attrs":820,"content":821},{"textAlign":25},[],[],[],"faqSection","digitalizacion-de-facturas-ocr","es/blog/digitalizacion-de-facturas-ocr",-2800,[],176386517,"a8ae32f0-383d-4fca-a7e0-5d041e12a3cd",[],"blog/digitalizacion-de-facturas-ocr",[834,835,836],{"path":832,"name":25,"lang":37,"published":25},{"path":832,"name":25,"lang":39,"published":25},{"path":832,"name":25,"lang":32,"published":25},{"header":838,"footer":1527,"commonContent":2026,"userCentricsAndSegmentMappingTable":2173},{"name":839,"created_at":840,"published_at":841,"updated_at":842,"id":843,"uuid":844,"content":845,"slug":1339,"full_slug":1514,"sort_by_date":25,"position":52,"tag_list":1515,"is_startpage":28,"parent_id":1517,"meta_data":25,"group_id":1518,"first_published_at":1519,"release_id":25,"lang":32,"path":1520,"alternates":1521,"default_full_slug":1522,"translated_slugs":1523},"Header","2022-03-03T10:18:44.837Z","2026-08-07T09:17:53.491Z","2026-08-07T09:17:53.521Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":846,"logo":847,"navbar":851,"loginBtn":1338,"component":1339,"languages":1340,"logoBlack":1359,"logoWhite":1363,"topNavbar":1368,"footerLinks":1377,"socialLinks":1396,"homepageLink":1436,"getStartedBtn":1448,"announcementBanner":1463,"localeSwitcherTitle":1513},"d642d99f-3914-487e-abe1-9515eca76325",{"id":848,"alt":81,"name":90,"focus":90,"title":81,"source":90,"filename":849,"copyright":90,"fieldtype":95,"meta_data":850,"is_external_url":28},4112223,"https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[852,1061,1073,1086,1257],{"_uid":853,"label":854,"columns":855,"component":1024,"headingNewBranding":1025},"99e54924-f77d-4501-978a-b578da0140ca","Producto",[856,940],{"_uid":857,"ctas":858,"label":854,"component":938,"labelColor":90,"backgroundIconColor":939},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[859,876,892,907,922],{"tag":90,"_uid":860,"hide":28,"icon":861,"link":865,"type":90,"label":875,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":862,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":863,"copyright":90,"fieldtype":95,"meta_data":864,"is_external_url":28},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":866,"url":90,"linktype":867,"fieldtype":99,"cached_url":868,"prep":41,"story":869},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","story","/es/platform/mcp",{"name":870,"id":871,"uuid":866,"slug":872,"url":873,"full_slug":874,"_stopResolving":41},"MCP",184147202165078,"mcp","platform/mcp","es/platform/mcp","Spendesk AI connect",{"tag":90,"_uid":877,"icon":878,"link":882,"type":90,"label":891,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":879,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":880,"copyright":90,"fieldtype":95,"meta_data":881,"is_external_url":28},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":883,"url":90,"linktype":867,"fieldtype":99,"cached_url":884,"prep":41,"story":885},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/es/product/cards/",{"name":886,"id":887,"uuid":883,"slug":888,"url":889,"full_slug":890,"_stopResolving":41},"Cards",193401086247857,"cards","product/cards/","es/product/cards/","Tarjetas",{"tag":90,"_uid":893,"hide":28,"icon":894,"link":898,"type":90,"label":902,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":895,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":896,"copyright":90,"fieldtype":95,"meta_data":897,"is_external_url":28},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":899,"url":90,"linktype":867,"fieldtype":99,"cached_url":900,"prep":41,"story":901},"54aaf12a-503f-42e6-afbc-61919d53f941","/es/product/procurement",{"name":902,"id":903,"uuid":899,"slug":904,"url":905,"full_slug":906,"_stopResolving":41},"Procurement",193401601446119,"procurement","product/procurement","es/product/procurement",{"tag":90,"_uid":908,"hide":28,"icon":909,"link":913,"type":90,"label":132,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":910,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":911,"copyright":90,"fieldtype":95,"meta_data":912,"is_external_url":28},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":914,"url":90,"linktype":867,"fieldtype":99,"cached_url":915,"prep":41,"story":916},"5a15816c-5303-499e-9774-f4eab6597303","/es/product/accounts-payable",{"name":917,"id":918,"uuid":914,"slug":919,"url":920,"full_slug":921,"_stopResolving":41},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","es/product/accounts-payable",{"tag":90,"_uid":923,"icon":924,"link":928,"type":90,"label":937,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":925,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":926,"copyright":90,"fieldtype":95,"meta_data":927,"is_external_url":28},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":929,"url":90,"linktype":867,"fieldtype":99,"cached_url":930,"prep":41,"story":931},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/es/product/expense-management",{"name":932,"id":933,"uuid":929,"slug":934,"url":935,"full_slug":936,"_stopResolving":41},"Expense Management",193401429506811,"expense-management","product/expense-management","es/product/expense-management","Gastos","ctasColumn","--color-accent-06",{"_uid":941,"ctas":942,"label":1023,"component":938,"labelColor":90,"backgroundIconColor":939},"c7e769a0-95c8-49e3-a177-8c7061def31b",[943,959,975,991,1007],{"tag":90,"_uid":944,"hide":28,"icon":945,"link":949,"type":90,"label":958,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":946,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":947,"copyright":90,"fieldtype":95,"meta_data":948,"is_external_url":28},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":950,"url":90,"linktype":867,"fieldtype":99,"cached_url":951,"prep":41,"story":952},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/es/platform/spends-controls",{"name":953,"id":954,"uuid":950,"slug":955,"url":956,"full_slug":957,"_stopResolving":41},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","es/platform/spend-controls","Controles de gastos",{"tag":90,"_uid":960,"hide":28,"icon":961,"link":965,"type":90,"label":974,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":962,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":963,"copyright":90,"fieldtype":95,"meta_data":964,"is_external_url":28},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":966,"url":90,"linktype":867,"fieldtype":99,"cached_url":967,"prep":41,"story":968},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/es/platform/ai-automation",{"name":969,"id":970,"uuid":966,"slug":971,"url":972,"full_slug":973,"_stopResolving":41},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","es/platform/ai-automation","Inteligencia y Automatización",{"tag":90,"_uid":976,"hide":28,"icon":977,"link":981,"type":90,"label":990,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":978,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":979,"copyright":90,"fieldtype":95,"meta_data":980,"is_private":28,"is_external_url":28},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":982,"url":90,"linktype":867,"fieldtype":99,"cached_url":983,"prep":41,"story":984},"e0594f7b-c01a-45b3-96e2-186a17439c46","/es/integrations/",{"name":985,"id":986,"uuid":982,"slug":987,"url":988,"full_slug":989,"_stopResolving":41},"Integrations",129006144,"integrations","integrations/","es/integrations/","API & integraciones",{"tag":90,"_uid":992,"icon":993,"link":997,"type":90,"label":1006,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":994,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":995,"copyright":90,"fieldtype":95,"meta_data":996,"is_external_url":28},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":998,"url":90,"linktype":867,"fieldtype":99,"cached_url":999,"prep":41,"story":1000},"3d432995-4a9f-417f-b7d9-48e760bf8646","/es/product/multi-entity-management",{"name":1001,"id":1002,"uuid":998,"slug":1003,"url":1004,"full_slug":1005,"_stopResolving":41},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","es/product/multi-entity-management","Gestión multientidad",{"tag":90,"_uid":1008,"icon":1009,"link":1013,"type":90,"label":1022,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1010,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1011,"copyright":90,"fieldtype":95,"meta_data":1012,"is_external_url":28},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1014,"url":90,"linktype":867,"fieldtype":99,"cached_url":1015,"prep":41,"story":1016},"b419cae8-61d4-4ab4-919b-71875ceab832","/es/product/budget",{"name":1017,"id":1018,"uuid":1014,"slug":1019,"url":1020,"full_slug":1021,"_stopResolving":41},"Budget",193401384269658,"budget","product/budget","es/product/budget","Presupuesto","Plataforma ","dropdownMenu",[1026],{"cta":1027,"_uid":1042,"title":1043,"eyebrow":1050,"subtitle":1053,"component":160,"textAlign":90,"sectionSettings":1060,"subtitleLeftBorder":28},[1028],{"tag":90,"_uid":1029,"hide":41,"icon":1030,"link":1031,"type":90,"label":1041,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1032,"url":90,"linktype":867,"fieldtype":99,"cached_url":1033,"prep":41,"story":1034},"d3363100-1268-4a79-860d-dcf3ad572077","/es/platform/platform-releases/june-update-2026",{"name":1035,"id":1036,"uuid":1032,"slug":1037,"url":1038,"translated_name":1039,"full_slug":1040,"_stopResolving":41},"June update 2026",184269172433090,"june-update-2026","platform/platform-releases/june-update-2026","Actualizacion Junio 2026","es/platform/platform-releases/actualizacion-junio-2026","Ver novedades","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":107,"content":1044},[1045],{"type":110,"attrs":1046,"content":1047},{"textAlign":25,"key":112},[1048],{"text":1049,"type":116},"Novedades",{"type":107,"content":1051},[1052],{"type":110},{"type":107,"content":1054},[1055],{"type":110,"attrs":1056,"content":1057},{"textAlign":25,"key":112},[1058],{"text":1059,"type":116},"Ya está aquí la última actualización de tus productos Spendesk",[],{"tag":90,"_uid":1062,"hide":28,"icon":1063,"link":1064,"type":90,"label":1072,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"3e099d1d-7633-470a-b225-70ff55117055",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1065,"url":90,"linktype":867,"fieldtype":99,"cached_url":1066,"prep":41,"story":1067},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/es/pricing",{"name":1068,"id":1069,"uuid":1065,"slug":1070,"url":1070,"full_slug":1071,"_stopResolving":41},"Pricing",118542802,"pricing","es/pricing","Precios",{"tag":90,"_uid":1074,"icon":1075,"link":1076,"type":90,"label":1085,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1077,"url":90,"linktype":867,"fieldtype":99,"cached_url":1078,"prep":41,"story":1079},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/es/customers/",{"name":1080,"id":1081,"uuid":1077,"slug":1082,"url":1083,"full_slug":1084,"_stopResolving":41},"Listing page",107236629,"customers","customers/","es/customers/","Testimonios de clientes",{"_uid":1087,"label":1088,"columns":1089,"component":1024,"headingNewBranding":1256},"59752063-d282-4855-95bc-45cfb825ed90","Recursos",[1090,1155,1225],{"_uid":1091,"ctas":1092,"label":1153,"component":938,"backgroundIconColor":1154},"705444cd-cbfb-417a-99c3-8481453ed293",[1093,1109,1123,1137],{"tag":90,"_uid":1094,"icon":1095,"link":1099,"type":90,"label":1108,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1096,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1097,"copyright":90,"fieldtype":95,"meta_data":1098,"is_private":28,"is_external_url":28},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1100,"url":90,"linktype":867,"fieldtype":99,"cached_url":1101,"prep":41,"story":1102},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/es/blog/",{"name":1103,"id":1104,"uuid":1100,"slug":1105,"url":1106,"full_slug":1107,"_stopResolving":41},"Blog homepage (listing page)",181576014,"blog","blog/","es/blog/","Blog",{"tag":90,"_uid":1110,"hide":41,"icon":1111,"link":1115,"type":90,"label":1119,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1112,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1113,"copyright":90,"fieldtype":95,"meta_data":1114,"is_external_url":28},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1116,"url":90,"linktype":867,"fieldtype":99,"cached_url":1117,"prep":41,"story":1118},"ee09d2a9-10e7-4197-8982-50a2e4c7e73e","/es/webinars",{"name":1119,"id":1120,"uuid":1116,"slug":1121,"url":1121,"full_slug":1122,"_stopResolving":41},"Webinars",657702684,"webinars","es/webinars",{"tag":90,"_uid":1124,"hide":28,"icon":1125,"link":1129,"type":90,"label":1133,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1126,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1127,"copyright":90,"fieldtype":95,"meta_data":1128,"is_private":28,"is_external_url":28},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1130,"url":90,"linktype":867,"fieldtype":99,"cached_url":1131,"prep":41,"story":1132},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/es/faq",{"name":1133,"id":1134,"uuid":1130,"slug":1135,"url":1135,"full_slug":1136,"_stopResolving":41},"FAQ",126231937,"faq","es/faq",{"tag":90,"_uid":1138,"hide":28,"icon":1139,"link":1143,"type":90,"label":1152,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1140,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1141,"copyright":90,"fieldtype":95,"meta_data":1142,"is_private":28,"is_external_url":28},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1144,"url":90,"linktype":867,"fieldtype":99,"cached_url":1145,"prep":41,"story":1146},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/es/glossary/",{"name":1147,"id":1148,"uuid":1144,"slug":1149,"url":1150,"full_slug":1151,"_stopResolving":41},"Glossary",127190994,"glossary","glossary/","es/glossary/","Glossario","Perspectivas","--color-accent-05",{"_uid":1156,"ctas":1157,"label":1224,"component":938,"labelColor":90,"backgroundIconColor":1154},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1158,1170,1179,1195,1211],{"tag":90,"_uid":1159,"hide":41,"icon":1160,"link":1162,"type":90,"label":1166,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":962,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":963,"copyright":90,"fieldtype":95,"meta_data":1161,"is_external_url":28},{},{"id":1163,"url":90,"linktype":867,"fieldtype":99,"cached_url":1164,"prep":41,"story":1165},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/es/ai",{"name":1166,"id":1167,"uuid":1163,"slug":1168,"url":1168,"full_slug":1169,"_stopResolving":41},"AI Hub",114865617041697,"ai","es/ai",{"tag":90,"_uid":1171,"icon":1172,"link":1176,"type":90,"label":1178,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1173,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1174,"copyright":90,"fieldtype":95,"meta_data":1175,"is_external_url":28},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":90,"url":1177,"linktype":98,"fieldtype":99,"cached_url":1177},"https://www.cfoconnect.eu/en/resources/podcast/","Podcast",{"tag":90,"_uid":1180,"hide":28,"icon":1181,"link":1185,"type":90,"label":1194,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1182,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1183,"copyright":90,"fieldtype":95,"meta_data":1184,"is_external_url":28},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1186,"url":90,"linktype":867,"fieldtype":99,"cached_url":1187,"prep":41,"story":1188},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/es/tools/cfo-tech-stack-map",{"name":1189,"id":1190,"uuid":1186,"slug":1191,"url":1192,"full_slug":1193,"_stopResolving":41},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","es/tools/cfo-tech-stack-map","Stack tecnológico del CFO",{"tag":90,"_uid":1196,"hide":28,"icon":1197,"link":1201,"type":90,"label":1210,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1198,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1199,"copyright":90,"fieldtype":95,"meta_data":1200,"is_external_url":28},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1202,"url":90,"linktype":867,"fieldtype":99,"cached_url":1203,"prep":41,"story":1204},"ab956bec-b6b4-434a-b4aa-b772873f9577","/es/tools/spend-management-calculator",{"name":1205,"id":1206,"uuid":1202,"slug":1207,"url":1208,"full_slug":1209,"_stopResolving":41},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","es/tools/spend-management-calculator","Calculadora de ROI",{"tag":90,"_uid":1212,"icon":1213,"link":1215,"type":90,"label":1223,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"hide":41},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":910,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":911,"copyright":90,"fieldtype":95,"meta_data":1214,"is_external_url":28},{},{"id":1216,"url":90,"linktype":867,"fieldtype":99,"cached_url":1217,"prep":41,"story":1218},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/es/tools/hmrc-mileage-calculator",{"name":1219,"id":1220,"uuid":1216,"slug":1219,"url":1221,"full_slug":1222,"_stopResolving":41},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","es/tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Recursos y herramientas",{"_uid":1226,"ctas":1227,"label":1255,"component":938,"backgroundIconColor":1154},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1228,1237,1246],{"tag":90,"_uid":1229,"icon":1230,"link":1234,"type":90,"label":1236,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1231,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1232,"copyright":90,"fieldtype":95,"meta_data":1233,"is_external_url":28},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":90,"url":1235,"linktype":98,"fieldtype":99,"cached_url":1235},"https://www.cfoconnect.eu/en/","CFO Connect",{"tag":90,"_uid":1238,"icon":1239,"link":1243,"type":90,"label":1245,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1240,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1241,"copyright":90,"fieldtype":95,"meta_data":1242,"is_private":28,"is_external_url":28},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":90,"url":1244,"linktype":98,"cached_url":1244},"https://www.cfoconnect.eu/en/events/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.10.1650393005163&__hsfp=2647279916","Eventos",{"tag":90,"_uid":1247,"icon":1248,"link":1252,"type":90,"label":1254,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1249,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1250,"copyright":90,"fieldtype":95,"meta_data":1251,"is_private":28,"is_external_url":28},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":90,"url":1253,"linktype":98,"cached_url":1253},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Responsables financieros","Comunidad",[],{"_uid":1258,"label":1259,"columns":1260,"component":1024,"headingNewBranding":1337},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Empresa",[1261,1302],{"_uid":1262,"ctas":1263,"label":1259,"component":938,"labelColor":90,"backgroundIconColor":939},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1264,1277,1286],{"tag":90,"_uid":1265,"hide":28,"icon":1266,"link":1268,"type":90,"label":1276,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":994,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":995,"copyright":90,"fieldtype":95,"meta_data":1267,"is_private":28,"is_external_url":28},{},{"id":1269,"url":90,"linktype":867,"fieldtype":99,"cached_url":1270,"prep":41,"story":1271},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/es/about",{"name":1272,"id":1273,"uuid":1269,"slug":1274,"url":1274,"full_slug":1275,"_stopResolving":41},"Our story",126213445,"about","es/about","Nuestra historia",{"tag":90,"_uid":1278,"hide":28,"icon":1279,"link":1283,"type":90,"label":1285,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1280,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1281,"copyright":90,"fieldtype":95,"meta_data":1282,"is_external_url":28},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":90,"url":1284,"linktype":98,"fieldtype":99,"cached_url":1284},"https://career.spendesk.com/es/","Carreras",{"tag":90,"_uid":1287,"hide":28,"icon":1288,"link":1292,"type":90,"label":1301,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1289,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1290,"copyright":90,"fieldtype":95,"meta_data":1291,"is_private":28,"is_external_url":28},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1293,"url":90,"linktype":867,"fieldtype":99,"cached_url":1294,"prep":41,"story":1295},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/es/press/",{"name":1296,"id":1297,"uuid":1293,"slug":1298,"url":1299,"full_slug":1300,"_stopResolving":41},"Spendesk Press",265014512,"press","press/","es/press/","Medios de comunicación",{"_uid":1303,"ctas":1304,"label":1336,"component":938,"labelColor":90,"backgroundIconColor":939},"59a11592-e6cb-405d-8208-9e3c365ac046",[1305,1321],{"tag":90,"_uid":1306,"hide":28,"icon":1307,"link":1311,"type":90,"label":1320,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1308,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1309,"copyright":90,"fieldtype":95,"meta_data":1310,"is_private":28,"is_external_url":28},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1312,"url":90,"linktype":867,"fieldtype":99,"cached_url":1313,"prep":41,"story":1314},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/es/partners/",{"name":1315,"id":1316,"uuid":1312,"slug":1317,"url":1318,"full_slug":1319,"_stopResolving":41},"Partners",113802294,"partners","partners/","es/partners/","Socios",{"tag":90,"_uid":1322,"hide":28,"icon":1323,"link":1327,"type":90,"label":1335,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1324,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1325,"copyright":90,"fieldtype":95,"meta_data":1326,"is_private":28,"is_external_url":28},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1328,"url":90,"linktype":867,"fieldtype":99,"cached_url":1329,"prep":41,"story":1330},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/es/contact-us",{"name":1331,"id":1332,"uuid":1328,"slug":1333,"url":1333,"full_slug":1334,"_stopResolving":41},"Contact us",126275406,"contact-us","es/contact-us","Contacto"," ",[],"Iniciar sesión","header",[1341,1346,1351,1355],{"_uid":1342,"code":39,"name":1343,"component":1344,"shortName":1345},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1347,"code":1348,"name":1349,"component":1344,"shortName":1350},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1352,"code":32,"name":1353,"component":1344,"shortName":1354},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1356,"code":37,"name":1357,"component":1344,"shortName":1358},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1360,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1361,"copyright":90,"fieldtype":95,"meta_data":1362,"is_external_url":28},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1364,"alt":81,"name":90,"focus":90,"title":1365,"source":90,"filename":1366,"copyright":90,"fieldtype":95,"meta_data":1367,"is_external_url":28},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1369],{"tag":90,"_uid":1370,"hide":28,"icon":1371,"link":1373,"type":90,"label":1375,"style":100,"component":101,"onClickEvent":1376,"openInANewTab":41,"horizontalFill":28},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1372},{},{"id":90,"url":1374,"linktype":98,"fieldtype":99,"cached_url":1374},"https://helpcenter.spendesk.com/es/","Centro de ayuda","website:navbar:helpcenter_cta:clicked",[1378,1383],{"tag":90,"_uid":1379,"hide":28,"icon":1380,"link":1382,"type":90,"label":1375,"style":100,"component":101,"onClickEvent":1376,"openInANewTab":41,"horizontalFill":28},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1381},{},{"id":90,"url":1374,"linktype":98,"fieldtype":99,"cached_url":1374},{"tag":90,"_uid":1384,"hide":28,"icon":1385,"link":1387,"type":90,"label":1395,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95,"meta_data":1386,"is_external_url":28},{},{"id":1388,"url":90,"linktype":867,"fieldtype":99,"cached_url":1389,"prep":41,"story":1390},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/es/spendesk-security",{"name":1391,"id":1392,"uuid":1388,"slug":1393,"url":1393,"full_slug":1394,"_stopResolving":41},"Security",126230553,"spendesk-security","es/spendesk-security","Seguridad",[1397,1405,1413,1420,1428],{"tag":90,"_uid":1398,"icon":1399,"link":1403,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":1400,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1401,"copyright":90,"fieldtype":95,"meta_data":1402,"is_external_url":28},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":90,"url":1404,"linktype":98,"fieldtype":99,"cached_url":1404},"https://www.facebook.com/spendesk/",{"tag":90,"_uid":1406,"icon":1407,"link":1411,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":1408,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1409,"copyright":90,"fieldtype":95,"meta_data":1410,"is_private":28,"is_external_url":28},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":90,"url":1412,"linktype":98,"fieldtype":99,"cached_url":1412},"https://www.instagram.com/spendesk",{"tag":90,"_uid":1414,"icon":1415,"link":1419,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":1416,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1417,"copyright":90,"fieldtype":95,"meta_data":1418,"is_private":28,"is_external_url":28},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},{"tag":90,"_uid":1421,"icon":1422,"link":1426,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":1423,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1424,"copyright":90,"fieldtype":95,"meta_data":1425,"is_private":28,"is_external_url":28},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":90,"url":1427,"linktype":98,"fieldtype":99,"cached_url":1427},"https://x.com/Spendesk",{"tag":90,"_uid":1429,"hide":28,"icon":1430,"link":1434,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":1431,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1432,"copyright":90,"fieldtype":95,"meta_data":1433,"is_private":28,"is_external_url":28},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":90,"url":1435,"linktype":98,"fieldtype":99,"cached_url":1435},"https://www.youtube.com/c/spendesk",[1437],{"tag":90,"_uid":1438,"hide":28,"icon":1439,"link":1440,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1441,"url":90,"linktype":867,"fieldtype":99,"cached_url":1442,"prep":41,"story":1443},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/es/home",{"name":1444,"id":1445,"uuid":1441,"slug":1446,"url":1446,"full_slug":1447,"_stopResolving":41},"Homepage",106735746,"home","es/home",[1449],{"tag":90,"_uid":1450,"hide":28,"icon":1451,"link":1452,"type":90,"label":1461,"style":100,"component":101,"onClickEvent":1462,"openInANewTab":28,"horizontalFill":28},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1453,"url":90,"anchor":90,"linktype":867,"fieldtype":99,"cached_url":1454,"prep":41,"story":1455},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":1456,"id":1457,"uuid":1453,"slug":1458,"url":1459,"full_slug":1460,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Agenda una demo","website:navbar:book_a_demo_cta:clicked",[1464],{"_uid":1465,"hide":28,"style":1466,"content":1467,"display":1495,"component":1496,"hideOnMobile":28,"mobileContent":1497},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":107,"content":1468},[1469],{"type":110,"attrs":1470,"content":1471},{"textAlign":25,"key":112},[1472,1480,1485],{"text":1473,"type":116,"marks":1474},"Spendesk AI Connect",[1475,1479],{"type":1476,"attrs":1477},"textStyle",{"color":1478},"#000000E5",{"type":363},{"text":1481,"type":116,"marks":1482},": Conozca la forma más rápida de trabajar con sus datos de gasto. ",[1483],{"type":1476,"attrs":1484},{"color":1478},{"text":1486,"type":116,"marks":1487},"Descúbralo →",[1488,1492,1494],{"type":188,"attrs":1489},{"href":868,"uuid":866,"anchor":25,"target":1490,"linktype":867,"story":1491},"_self",{"name":870,"id":871,"uuid":866,"slug":872,"url":873,"full_slug":874,"_stopResolving":41},{"type":1476,"attrs":1493},{"color":1478},{"type":363},"Whole website","announcementBanner",{"type":107,"content":1498},[1499],{"type":110,"attrs":1500,"content":1501},{"textAlign":25,"key":112},[1502,1505,1507],{"text":1473,"type":116,"marks":1503},[1504],{"type":363},{"text":1506,"type":116},": Conozca la manera más rápida de usar sus datos de gasto. ",{"text":1486,"type":116,"marks":1508},[1509,1512],{"type":188,"attrs":1510},{"href":868,"uuid":866,"anchor":25,"target":1490,"linktype":867,"story":1511},{"name":870,"id":871,"uuid":866,"slug":872,"url":873,"full_slug":874,"_stopResolving":41},{"type":363},"Seleccione su idioma","es/global-components/header",[1516],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[1524,1525,1526],{"path":1522,"name":25,"lang":37,"published":25},{"path":1522,"name":25,"lang":39,"published":25},{"path":1522,"name":25,"lang":32,"published":25},{"name":1528,"created_at":1529,"published_at":1530,"updated_at":1531,"id":1532,"uuid":1533,"content":1534,"slug":1833,"full_slug":2016,"sort_by_date":25,"position":26,"tag_list":2017,"is_startpage":28,"parent_id":1517,"meta_data":25,"group_id":2018,"first_published_at":2019,"release_id":25,"lang":32,"path":1106,"alternates":2020,"default_full_slug":2021,"translated_slugs":2022},"Footer","2022-03-03T10:27:46.390Z","2026-05-13T14:37:35.509Z","2026-05-13T14:37:35.598Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":1535,"lists":1536,"component":1833,"logoLinks":1834,"legalLinks":1851,"socialLinks":1909,"newsletterForm":1935,"complianceLogos":1975,"newsletterTitle":1984,"smallDescription":1985,"newsletterSubtitle":1991,"legalDescriptionText":1992},"68acc184-683a-412b-863a-297708c3cffb",[1537,1656,1729,1802],{"_uid":1538,"ctas":1539,"label":1655,"component":938,"labelColor":90,"backgroundIconColor":90},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[1540,1554,1568,1576,1590,1604,1618,1630,1643],{"tag":90,"_uid":1541,"hide":28,"icon":1542,"link":1544,"type":90,"label":1553,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6c234d18-72c2-4bd6-9f55-f4e43594afab",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1543},{},{"id":1545,"url":90,"linktype":867,"fieldtype":99,"cached_url":1546,"prep":41,"story":1547},"55eff7ea-e09a-4ede-98c5-21bc5a882f28","/es/use-cases/invoice-processing",{"name":1548,"id":1549,"uuid":1545,"slug":1550,"url":1551,"full_slug":1552,"_stopResolving":41},"Automated invoice processing",129356665,"invoice-processing","use-cases/invoice-processing","es/use-cases/invoice-processing","Fácil procesamiento de facturas",{"tag":90,"_uid":1555,"hide":28,"icon":1556,"link":1558,"type":90,"label":1567,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"85a7dae5-f766-4f55-b545-3cfe43c0f819",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1557},{},{"id":1559,"url":90,"linktype":867,"fieldtype":99,"cached_url":1560,"prep":41,"story":1561},"0925f744-a413-46d2-af4e-ed4c9fbd5f06","/es/use-cases/administrative-expenses",{"name":1562,"id":1563,"uuid":1559,"slug":1564,"url":1565,"full_slug":1566,"_stopResolving":41},"Administrative expenses",129781018,"administrative-expenses","use-cases/administrative-expenses","es/use-cases/administrative-expenses","Gastos administrativos",{"tag":90,"_uid":1569,"hide":28,"icon":1570,"link":1572,"type":90,"label":1575,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"dca639bb-1c45-45e9-8ab9-6bf130a9fff7",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1571},{},{"id":1573,"url":90,"linktype":867,"fieldtype":99,"cached_url":1574,"prep":41},"a5ebc082-5ced-490f-beeb-91473f913fb7","/es/product/subscription-management","Gestión de suscripciones",{"tag":90,"_uid":1577,"hide":28,"icon":1578,"link":1580,"type":90,"label":1589,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9ba916f8-6ed9-4789-a107-907007efc326",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1579},{},{"id":1581,"url":90,"linktype":867,"fieldtype":99,"cached_url":1582,"prep":41,"story":1583},"2a707a65-6597-4ae6-bbc2-5e3f13075706","/es/use-cases/travel-spending",{"name":1584,"id":1585,"uuid":1581,"slug":1586,"url":1587,"full_slug":1588,"_stopResolving":41},"Travel spending",129190854,"travel-spending","use-cases/travel-spending","es/use-cases/travel-spending","Gastos en viaje de negocios",{"tag":90,"_uid":1591,"hide":28,"icon":1592,"link":1594,"type":90,"label":1603,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"f94a4adb-4c2b-459f-a640-f0c0279ea721",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1593},{},{"id":1595,"url":90,"linktype":867,"fieldtype":99,"cached_url":1596,"prep":41,"story":1597},"8191ed3b-30f0-4e58-b83d-9bc4c524b120","/es/use-cases/office-expenses",{"name":1598,"id":1599,"uuid":1595,"slug":1600,"url":1601,"full_slug":1602,"_stopResolving":41},"Easily manage office expenses | Spendesk",128717906,"office-expenses","use-cases/office-expenses","es/use-cases/office-expenses","Gastos de oficina",{"tag":90,"_uid":1605,"hide":28,"icon":1606,"link":1608,"type":90,"label":1617,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"518b355a-04dc-4755-ae49-4242b463744d",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1607},{},{"id":1609,"url":90,"linktype":867,"fieldtype":99,"cached_url":1610,"prep":41,"story":1611},"ca384414-4154-4849-a5c9-3738c1ad70fd","/es/use-cases/digital-advertising-spending",{"name":1612,"id":1613,"uuid":1609,"slug":1614,"url":1615,"full_slug":1616,"_stopResolving":41},"Digital advertising spending",129684661,"digital-advertising-spending","use-cases/digital-advertising-spending","es/use-cases/digital-advertising-spending","Publicidad digital",{"tag":90,"_uid":1619,"hide":41,"icon":1620,"link":1622,"type":90,"label":932,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"dc00429b-285a-4699-ba81-97bbaf890a70",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1621},{},{"id":1623,"url":90,"linktype":867,"fieldtype":99,"cached_url":1624,"prep":41,"story":1625},"1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a","/es/expense-management-software",{"name":1626,"id":1627,"uuid":1623,"slug":1628,"url":1628,"full_slug":1629,"_stopResolving":41},"Expense management software",130935631,"expense-management-software","es/app-controlar-gastos",{"tag":90,"_uid":1631,"hide":41,"icon":1632,"link":1634,"type":90,"label":1642,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"469f4c3f-514e-4233-9145-28711379d5ce",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1633},{},{"id":1635,"url":90,"linktype":867,"fieldtype":99,"cached_url":1636,"prep":41,"story":1637},"73ff0017-620a-491e-88a2-e14a86be013a","/es/business-expense-cards",{"name":1638,"id":1639,"uuid":1635,"slug":1640,"url":1640,"full_slug":1641,"_stopResolving":41},"Business expense cards ",127581560,"business-expense-cards","es/business-expense-cards","Business Cards",{"tag":90,"_uid":1644,"hide":41,"icon":1645,"link":1647,"type":90,"label":917,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4cde6a66-266d-48bc-b86f-406e5bc0ec2a",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1646},{},{"id":1648,"url":90,"linktype":867,"fieldtype":99,"cached_url":1649,"prep":41,"story":1650},"01ed1057-9896-498c-926e-60bc926469a8","/es/accounts-payable-software",{"name":1651,"id":1652,"uuid":1648,"slug":1653,"url":1653,"full_slug":1654,"_stopResolving":41},"Accounts payable software",128157999,"accounts-payable-software","es/accounts-payable-software","Soluciones",{"_uid":1657,"ctas":1658,"label":1728,"component":938,"labelColor":90,"backgroundIconColor":90},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[1659,1673,1680,1687,1694,1702,1709,1715,1721],{"tag":90,"_uid":1660,"hide":28,"icon":1661,"link":1663,"type":90,"label":1672,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bdc33375-72d8-4afc-b7d3-fc2fb82dc0af",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1662},{},{"id":1664,"url":90,"linktype":867,"fieldtype":99,"cached_url":1665,"prep":41,"story":1666},"4b39d188-071f-4f1b-9670-76374dd671b8","/es/platform",{"name":1667,"id":1668,"uuid":1664,"slug":1669,"url":1670,"full_slug":1671,"_stopResolving":41},"Platform",511195522,"platform","platform/","es/platform/","Funciones",{"tag":90,"_uid":1674,"hide":28,"icon":1675,"link":1677,"type":90,"label":902,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7e976f79-3fe6-4f3c-81db-baabd41b8546",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1676},{},{"id":1678,"url":90,"linktype":867,"fieldtype":99,"cached_url":1679,"prep":41},"f77dd8b1-8d41-4544-ac6a-c6f16b40172d","/es/platform/procure-to-pay",{"tag":90,"_uid":1681,"hide":28,"icon":1682,"link":1684,"type":90,"label":1006,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7e85bd5b-350e-424b-89f7-86a41638fc46",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1683},{},{"id":1685,"url":90,"linktype":867,"fieldtype":99,"cached_url":1686,"prep":41},"401777c6-ec33-41bf-a126-f5675213ce30","/es/platform/multi-entity-management",{"tag":90,"_uid":1688,"hide":28,"icon":1689,"link":1691,"type":90,"label":891,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8e12ff56-aeb4-4c77-a7a0-fb740301c3f6",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1690},{},{"id":1692,"url":90,"linktype":867,"fieldtype":99,"cached_url":1693,"prep":41},"27dba625-a774-450b-9fb8-47efecbc5fc1","/es/product/smart-company-cards",{"tag":90,"_uid":1695,"hide":28,"icon":1696,"link":1698,"type":90,"label":1701,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2fc815b6-120c-475a-9ad5-3365b07f3046",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1697},{},{"id":1699,"url":90,"linktype":867,"fieldtype":99,"cached_url":1700,"prep":41},"69439fab-65c8-476b-b817-bcd2c0b66df4","/es/platform/virtual-cards","Tarjetas virtuales",{"tag":90,"_uid":1703,"hide":28,"icon":1704,"link":1706,"type":90,"label":1708,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"31cd840e-93a6-4549-a575-70e49458dd04",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1705},{},{"id":982,"url":90,"linktype":867,"fieldtype":99,"cached_url":983,"prep":41,"story":1707},{"name":985,"id":986,"uuid":982,"slug":987,"url":988,"full_slug":989,"_stopResolving":41},"API & Integraciones",{"tag":90,"_uid":1710,"hide":28,"icon":1711,"link":1713,"type":90,"label":1072,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1712},{},{"id":1065,"url":90,"linktype":867,"fieldtype":99,"cached_url":1066,"prep":41,"story":1714},{"name":1068,"id":1069,"uuid":1065,"slug":1070,"url":1070,"full_slug":1071,"_stopResolving":41},{"tag":90,"_uid":1716,"hide":28,"icon":1717,"link":1719,"type":90,"label":1395,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1718},{},{"id":1388,"url":90,"linktype":867,"fieldtype":99,"cached_url":1389,"prep":41,"story":1720},{"name":1391,"id":1392,"uuid":1388,"slug":1393,"url":1393,"full_slug":1394,"_stopResolving":41},{"tag":90,"_uid":1722,"hide":28,"icon":1723,"link":1725,"type":90,"label":1727,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1724},{},{"id":90,"url":1726,"linktype":98,"fieldtype":99,"cached_url":1726},"https://trust.spendesk.com/","Centro de confianza","Plataforma",{"_uid":1730,"ctas":1731,"label":1801,"component":938,"backgroundIconColor":90},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[1732,1738,1743,1749,1762,1769,1775,1781,1788,1794],{"tag":90,"_uid":1733,"hide":28,"icon":1734,"link":1736,"type":90,"label":1085,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1735},{},{"id":1077,"url":90,"linktype":867,"fieldtype":99,"cached_url":1078,"prep":41,"story":1737},{"name":1080,"id":1081,"uuid":1077,"slug":1082,"url":1083,"full_slug":1084,"_stopResolving":41},{"tag":90,"_uid":1739,"icon":1740,"link":1741,"type":90,"label":1108,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1100,"url":90,"linktype":867,"fieldtype":99,"cached_url":1101,"prep":41,"story":1742},{"name":1103,"id":1104,"uuid":1100,"slug":1105,"url":1106,"full_slug":1107,"_stopResolving":41},{"tag":90,"_uid":1744,"hide":28,"icon":1745,"link":1747,"type":90,"label":1119,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"ce775eab-1c6b-429e-b2ca-a231431b2f3e",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1746},{},{"id":1116,"url":90,"linktype":867,"fieldtype":99,"cached_url":1117,"prep":41,"story":1748},{"name":1119,"id":1120,"uuid":1116,"slug":1121,"url":1121,"full_slug":1122,"_stopResolving":41},{"tag":90,"_uid":1750,"hide":28,"icon":1751,"link":1753,"type":90,"label":1761,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1752},{},{"id":1754,"url":90,"linktype":867,"fieldtype":99,"cached_url":1755,"prep":41,"story":1756},"b116361a-f2a4-40f7-a021-4b9b64edade9","/es/finance-resources",{"name":1757,"id":1758,"uuid":1754,"slug":1759,"url":1759,"full_slug":1760,"_stopResolving":41},"Finance resources",363638378,"finance-resources","es/finance-resources","Biblioteca de contenidos",{"tag":90,"_uid":1763,"hide":28,"icon":1764,"link":1766,"type":90,"label":1768,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1765},{},{"id":1202,"url":90,"linktype":867,"fieldtype":99,"cached_url":1203,"prep":41,"story":1767},{"name":1205,"id":1206,"uuid":1202,"slug":1207,"url":1208,"full_slug":1209,"_stopResolving":41},"Calculador de ROI",{"tag":90,"_uid":1770,"icon":1771,"link":1773,"type":90,"label":1210,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"hide":41},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":910,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":911,"copyright":90,"fieldtype":95,"meta_data":1772,"is_external_url":28},{},{"id":1216,"url":90,"linktype":867,"fieldtype":99,"cached_url":1217,"prep":41,"story":1774},{"name":1219,"id":1220,"uuid":1216,"slug":1219,"url":1221,"full_slug":1222,"_stopResolving":41},{"tag":90,"_uid":1776,"hide":28,"icon":1777,"link":1779,"type":90,"label":1236,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1778},{},{"id":90,"url":1780,"linktype":98,"fieldtype":99,"cached_url":1780},"https://www.cfoconnect.eu/",{"tag":90,"_uid":1782,"hide":28,"icon":1783,"link":1785,"type":90,"label":1787,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1784},{},{"id":1130,"url":90,"linktype":867,"fieldtype":99,"cached_url":1131,"prep":41,"story":1786},{"name":1133,"id":1134,"uuid":1130,"slug":1135,"url":1135,"full_slug":1136,"_stopResolving":41},"FAQs",{"tag":90,"_uid":1789,"hide":28,"icon":1790,"link":1792,"type":90,"label":1152,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1791},{},{"id":1144,"url":90,"linktype":867,"fieldtype":99,"cached_url":1145,"prep":41,"story":1793},{"name":1147,"id":1148,"uuid":1144,"slug":1149,"url":1150,"full_slug":1151,"_stopResolving":41},{"tag":90,"_uid":1795,"hide":28,"icon":1796,"link":1798,"type":90,"label":1800,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1797},{},{"id":90,"url":1799,"linktype":98,"fieldtype":99,"cached_url":1799},"https://helpcenter.spendesk.com/es","Ayuda","Resources",{"_uid":1803,"ctas":1804,"label":1259,"component":938,"backgroundIconColor":90},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[1805,1811,1817,1821,1827],{"tag":90,"_uid":1806,"hide":28,"icon":1807,"link":1809,"type":90,"label":1276,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2258dba0-720f-4a72-8616-3ee8ad748d39",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1808},{},{"id":1269,"url":90,"linktype":867,"fieldtype":99,"cached_url":1270,"prep":41,"story":1810},{"name":1272,"id":1273,"uuid":1269,"slug":1274,"url":1274,"full_slug":1275,"_stopResolving":41},{"tag":90,"_uid":1812,"hide":28,"icon":1813,"link":1815,"type":90,"label":1320,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7f0c013f-0597-4295-8eb2-947bce9f3038",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1814},{},{"id":1312,"url":90,"linktype":867,"fieldtype":99,"cached_url":1313,"prep":41,"story":1816},{"name":1315,"id":1316,"uuid":1312,"slug":1317,"url":1318,"full_slug":1319,"_stopResolving":41},{"tag":90,"_uid":1818,"icon":1819,"link":1820,"type":90,"label":1285,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"55725d79-a09b-441b-9950-02d332513ec3",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":1284,"linktype":98,"fieldtype":99,"cached_url":1284},{"tag":90,"_uid":1822,"icon":1823,"link":1824,"type":90,"label":1301,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"be048aa8-7d04-41a6-bee0-8d53fcb6149f",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1293,"url":90,"linktype":867,"fieldtype":99,"cached_url":1825,"prep":41,"story":1826},"/es/press/press-v2",{"name":1296,"id":1297,"uuid":1293,"slug":1298,"url":1299,"full_slug":1300,"_stopResolving":41},{"tag":90,"_uid":1828,"hide":28,"icon":1829,"link":1831,"type":90,"label":1335,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b3c4b61d-001b-4c3f-99f0-f787b5837ee9",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1830},{},{"id":1328,"url":90,"linktype":867,"fieldtype":99,"cached_url":1329,"prep":41,"story":1832},{"name":1331,"id":1332,"uuid":1328,"slug":1333,"url":1333,"full_slug":1334,"_stopResolving":41},"footer",[1835,1843],{"tag":90,"_uid":1836,"hide":28,"icon":1837,"link":1841,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"225df49b-7d21-46c3-986a-89b609d15540",{"id":1838,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1839,"copyright":90,"fieldtype":95,"meta_data":1840,"is_external_url":28},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":90,"url":1842,"linktype":98,"fieldtype":99,"cached_url":1842},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":90,"_uid":1844,"hide":28,"icon":1845,"link":1849,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":1846,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1847,"copyright":90,"fieldtype":95,"meta_data":1848,"is_external_url":28},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":90,"url":1850,"linktype":98,"fieldtype":99,"cached_url":1850},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[1852,1858,1871,1884,1897,1903],{"tag":90,"_uid":1853,"icon":1854,"link":1855,"type":90,"label":1857,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1441,"url":90,"linktype":867,"fieldtype":99,"cached_url":1442,"prep":41,"story":1856},{"name":1444,"id":1445,"uuid":1441,"slug":1446,"url":1446,"full_slug":1447,"_stopResolving":41},"© Spendesk",{"tag":90,"_uid":1859,"icon":1860,"link":1861,"type":90,"label":1870,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1862,"url":90,"linktype":867,"fieldtype":99,"cached_url":1863,"prep":41,"story":1864},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/es/legals/terms",{"name":1865,"id":1866,"uuid":1862,"slug":1867,"url":1868,"full_slug":1869,"_stopResolving":41},"T&C index page",126275944,"terms","legals/terms/","es/legals/terms/","Condiciones Generales",{"tag":90,"_uid":1872,"icon":1873,"link":1874,"type":90,"label":1883,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1875,"url":90,"linktype":867,"fieldtype":99,"cached_url":1876,"prep":41,"story":1877},"79cf9763-fbf7-44fc-b713-7375d45cc602","/es/legals/privacy",{"name":1878,"id":1879,"uuid":1875,"slug":1880,"url":1881,"full_slug":1882,"_stopResolving":41},"Privacy Policy",126276104,"privacy","legals/privacy","es/legals/privacy","Política de Privacidad",{"tag":90,"_uid":1885,"icon":1886,"link":1887,"type":90,"label":1896,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1888,"url":90,"linktype":867,"fieldtype":99,"cached_url":1889,"prep":41,"story":1890},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/es/legals/cookies-policy",{"name":1891,"id":1892,"uuid":1888,"slug":1893,"url":1894,"full_slug":1895,"_stopResolving":41},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","es/legals/cookies-policy","Política de Cookies",{"tag":90,"_uid":1898,"icon":1899,"link":1900,"type":90,"label":1902,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":1901,"linktype":98,"fieldtype":99,"cached_url":1901},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Aviso Legal",{"tag":90,"_uid":1904,"hide":28,"icon":1905,"link":1906,"type":90,"label":1908,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":1907,"linktype":98,"fieldtype":99,"cached_url":1907},"openConsentManager.action","Configuración de Cookies",[1910,1915,1920,1925,1930],{"tag":90,"_uid":1911,"icon":1912,"link":1914,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":1400,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1401,"copyright":90,"fieldtype":95,"meta_data":1913,"is_external_url":28},{},{"id":90,"url":1404,"linktype":98,"fieldtype":99,"cached_url":1404},{"tag":90,"_uid":1916,"icon":1917,"link":1919,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":1408,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1409,"copyright":90,"fieldtype":95,"meta_data":1918,"is_private":28,"is_external_url":28},{},{"id":90,"url":1412,"linktype":98,"fieldtype":99,"cached_url":1412},{"tag":90,"_uid":1921,"icon":1922,"link":1924,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":1416,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1417,"copyright":90,"fieldtype":95,"meta_data":1923,"is_private":28,"is_external_url":28},{},{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},{"tag":90,"_uid":1926,"icon":1927,"link":1929,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":1423,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1424,"copyright":90,"fieldtype":95,"meta_data":1928,"is_private":28,"is_external_url":28},{},{"id":90,"url":1427,"linktype":98,"fieldtype":99,"cached_url":1427},{"tag":90,"_uid":1931,"hide":28,"icon":1932,"link":1934,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":1431,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1432,"copyright":90,"fieldtype":95,"meta_data":1933,"is_private":28,"is_external_url":28},{},{"id":90,"url":1435,"linktype":98,"fieldtype":99,"cached_url":1435},[1936],{"_uid":1937,"fields":1938,"component":1969,"submitUrl":1970,"hubspotFormId":1972,"successMessage":1973,"horizontalAlign":90,"onSubmitSegmentEvent":1974},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[1939],{"_uid":1940,"name":1941,"type":116,"label":1942,"required":41,"component":1943,"submitBtn":1944,"legalNotice":1945,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":107,"content":1946},[1947],{"type":110,"content":1948},[1949,1951,1959,1961,1967],{"text":1950,"type":116},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":1952,"type":116,"marks":1953},"Terms of Use",[1954],{"type":188,"attrs":1955},{"href":1956,"uuid":1862,"anchor":25,"custom":1957,"target":191,"linktype":867,"story":1958},"/legals/terms","[object Object]",{"name":1865,"id":1866,"uuid":1862,"slug":1867,"url":1868,"full_slug":1869,"_stopResolving":41},{"text":1960,"type":116}," and ",{"text":1878,"type":116,"marks":1962},[1963],{"type":188,"attrs":1964},{"href":1965,"uuid":1875,"anchor":25,"custom":1957,"target":191,"linktype":867,"story":1966},"/legals/privacy",{"name":1878,"id":1879,"uuid":1875,"slug":1880,"url":1881,"full_slug":1882,"_stopResolving":41},{"text":1968,"type":116},".","formGroup",{"id":90,"url":90,"linktype":867,"fieldtype":99,"cached_url":1971,"prep":41},"/es/","8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[1976],{"tag":90,"_uid":1977,"hide":28,"icon":1978,"link":1982,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":1979,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1980,"copyright":90,"fieldtype":95,"meta_data":1981,"is_external_url":28},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":90,"url":1983,"linktype":98,"fieldtype":99,"cached_url":1983},"https://helpcenter.spendesk.com/es/articles/8850615-antes-despues-que-ha-cambiado-respecto-a-spendesk-tus-tarjetas-visa-business-premium","No te pierdas nunca una noticia",{"type":107,"content":1986},[1987],{"type":110,"content":1988},[1989],{"text":1990,"type":116},"Capacite a tu equipo con la solución completa de gestión de gastos","Suscríbate para recibir los recursos de suscripción más recientes de Spendesk.",{"type":107,"content":1993},[1994,2002,2009],{"type":110,"content":1995},[1996],{"text":1997,"type":116,"marks":1998},"Los servicios de pago son prestados como parte del producto Spendesk por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU.",[1999],{"type":1476,"attrs":2000},{"color":2001},"rgb(0, 0, 0)",{"type":110,"content":2003},[2004],{"text":2005,"type":116,"marks":2006},"Spendesk Financial Services es una entidad de pago francesa autorizada por la ACPR con el número 17518. Adyen N.V. es un banco neerlandés, cuya sucursal en el Reino Unido está autorizada por la FCA a prestar servicios de pago con el número 779800. Sutton Bank es una entidad miembro asegurada por la FDIC.",[2007],{"type":1476,"attrs":2008},{"color":2001},{"type":110,"content":2010},[2011],{"text":2012,"type":116,"marks":2013},"Las tarjetas de débito Visa son emitidas por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU., en virtud de una licencia de Visa.",[2014],{"type":1476,"attrs":2015},{"color":2001},"es/global-components/footer",[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[2023,2024,2025],{"path":2021,"name":25,"lang":37,"published":25},{"path":2021,"name":25,"lang":39,"published":25},{"path":2021,"name":25,"lang":32,"published":25},{"name":2027,"created_at":2028,"published_at":2029,"updated_at":2030,"id":2031,"uuid":2032,"content":2033,"slug":2161,"full_slug":2162,"sort_by_date":25,"position":2163,"tag_list":2164,"is_startpage":28,"parent_id":1517,"meta_data":25,"group_id":2165,"first_published_at":2166,"release_id":25,"lang":32,"path":25,"alternates":2167,"default_full_slug":2168,"translated_slugs":2169},"Common Content","2022-06-07T08:36:57.529Z","2026-07-30T07:13:39.925Z","2026-07-30T07:13:39.963Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2034,"modalBtn":2035,"component":2036,"modalTitle":2037,"countdownDay":2038,"modalContent":2039,"modalSuccess":2051,"countdownHour":2052,"hubspotFormId":2053,"countdownLabel":2054,"formErrorTitle":2055,"countdownMinute":2056,"countdownSecond":2057,"formErrorButton":2058,"selectNoOptions":2059,"formErrorSubtitle":2060,"blogAuthorResources":2061,"modalEmailPlaceholder":2062,"emailValidationInvalid":2063,"imageItemsListNoResult":2064,"phoneValidationInvalid":2065,"blogLoadMoreButtonLabel":2066,"blogArticleUpdatedAtLabel":2067,"blogArticleWatchTimeLabel":2068,"modalExistingAccountTitle":2069,"modalExistingCompanyTitle":2070,"modalForExistingCustomers":2071,"organizationSchemaOffices":2078,"blogArticleListenTimeLabel":2068,"cardsGridSearchPlaceholder":2131,"blogArticlePublishedOnLabel":2132,"blogArticleReadingTimeLabel":2068,"emailValidationInvalidExist":2133,"modalForUnsupportedCountries":2134,"emailValidationInvalidInvited":2140,"organizationSchemaDescription":2141,"organizationSchemaContactEmail":2142,"modalExistingAccountDescription":2143,"modalExistingCompanyDescription":2149,"emailValidationInvalidDomainName":2155,"multiSelectDropdownSelectedLabel":2156,"softwareApplicationSchemaRatingCount":2157,"softwareApplicationSchemaRatingValue":2158,"emailValidationInvalidUnexpectedError":2159,"emailValidationInvalidCompanyRegistered":2160},"c86a540c-0da7-40e9-a9a5-5053e71081de","Enviar","commonContent","Spendesk aún no está disponible en tu país","Días",{"type":107,"content":2040},[2041,2046],{"type":110,"attrs":2042,"content":2043},{"textAlign":25},[2044],{"text":2045,"type":116},"Parece que te encuentras en un país en el que actualmente no prestamos servicio. Sin embargo, si tienes una empresa en el Espacio Económico Europeo o en el Reino Unido, podemos trabajar contigo y puedes reservar una demo.",{"type":110,"attrs":2047,"content":2048},{"textAlign":25},[2049],{"text":2050,"type":116},"De lo contrario, introduce tu correo electrónico a continuación y te avisaremos cuando podamos ayudarte en tu país.","Gracias por enviar el formulario","Horas","b095740c-b878-41dd-9a7b-f393d2e4de30","El evento comienza en","Ups, algo va mal…","Minutos","Segundos","Actualizar","Aquí no hay opciones.","Se ha producido un error al enviar el formulario. Asegúrese de desactivar los bloqueadores de anuncios de su navegador e inténtelo de nuevo.","Artículos de {firstName}","Correo electrónico del trabajo","Correo electrónico no válido","Sin resultados","Número de teléfono no válido","Cargar más","Actualizado el","min","Ya tienes una cuenta Spendesk","Su empresa ya tiene una cuenta Spendesk",{"type":107,"content":2072},[2073,2077],{"type":110,"content":2074},[2075],{"text":2076,"type":116},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":110},[2079,2095,2107,2119],{"cta":2080,"_uid":2087,"image":2088,"title":2092,"subtitle":2093,"component":2094},[2081],{"tag":90,"_uid":2082,"icon":2083,"link":2084,"type":90,"label":2086,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2085,"linktype":98,"fieldtype":99,"cached_url":2085},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2089,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2090,"copyright":90,"fieldtype":95,"meta_data":2091,"is_external_url":28},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, Francia","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2096,"_uid":2102,"image":2103,"title":2105,"subtitle":2106,"component":2094},[2097],{"tag":90,"_uid":2098,"icon":2099,"link":2100,"type":90,"label":2086,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2101,"linktype":98,"fieldtype":99,"cached_url":2101},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2089,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2090,"copyright":90,"fieldtype":95,"meta_data":2104,"is_external_url":28},{},"Londres, Reino Unido","168 Old Street, EC1V 9BP",{"cta":2108,"_uid":2114,"image":2115,"title":2117,"subtitle":2118,"component":2094},[2109],{"tag":90,"_uid":2110,"icon":2111,"link":2112,"type":90,"label":2086,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2113,"linktype":98,"fieldtype":99,"cached_url":2113},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2089,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2090,"copyright":90,"fieldtype":95,"meta_data":2116,"is_external_url":28},{},"Berlina, Alemania","Warschauer Pl. 11-13, 10245",{"cta":2120,"_uid":2126,"image":2127,"title":2129,"subtitle":2130,"component":2094},[2121],{"tag":90,"_uid":2122,"icon":2123,"link":2124,"type":90,"label":2086,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2125,"linktype":98,"fieldtype":99,"cached_url":2125},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2089,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2090,"copyright":90,"fieldtype":95,"meta_data":2128,"is_external_url":28},{},"Madrid, España","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Publicado el","Parece que ya tienes una cuenta con Spendesk, así que puedes iniciar sesión.",{"type":107,"content":2135},[2136],{"type":110,"content":2137},[2138],{"text":2139,"type":116},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Parece que ya te han invitado a Spendesk. Comprueba tu bandeja de entrada o pídele a tu administrador que te reenvíe la invitación.","Spendesk es una plataforma integral de gestión de gastos y compras que ayuda a las empresas a gestionar tarjetas corporativas, pagos de facturas, suscripciones y gastos de la empresa en tiempo real.","support@spendesk.com",{"type":107,"content":2144},[2145],{"type":110,"content":2146},[2147],{"text":2148,"type":116},"Ya existe una cuenta de Spendesk asociada a esta dirección de correo electrónico.",{"type":107,"content":2150},[2151],{"type":110,"content":2152},[2153],{"text":2154,"type":116},"Su empresa ya tiene una cuenta en Spendesk. Solicite acceso a su equipo financiero.","Esto parece ser un correo electrónico personal. Introduce tu dirección de correo profesional.","selected","412","4.6","Se ha producido un error inesperado. Inténtalo de nuevo más tarde o contacta con el equipo de soporte para obtener ayuda.","Esta empresa ya está registrada. Ponte en contacto con tu administrador.","commoncontent","es/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[2170,2171,2172],{"path":2168,"name":25,"lang":37,"published":25},{"path":2168,"name":25,"lang":39,"published":25},{"path":2168,"name":25,"lang":32,"published":25},[2174,2178,2182,2186,2190,2194,2198,2202,2206],{"id":2175,"name":2176,"value":2177,"dimension_value":25},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2179,"name":2180,"value":2181,"dimension_value":25},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2183,"name":2184,"value":2185,"dimension_value":25},10736155,"Intercom","ryDQcVoOoZQ",{"id":2187,"name":2188,"value":2189,"dimension_value":25},10736156,"HubSpot","ry0QcNodoWQ",{"id":2191,"name":2192,"value":2193,"dimension_value":25},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2195,"name":2196,"value":2197,"dimension_value":25},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2199,"name":2200,"value":2201,"dimension_value":25},10736765,"Bing Ads","dsS7z9Hv4",{"id":2203,"name":2204,"value":2205,"dimension_value":25},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2207,"name":2208,"value":2209,"dimension_value":25},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2211,"component":2212,"sidebarCta":2213,"exitModalPopup":2253,"newsletterForm":2254,"newsletterTitle":2279,"bottomArticleCta":2280,"moreArticlesLabel":2312,"breadcrumbBlogLink":2313,"newsletterSubtitle":2315,"breadcrumbBlogLabel":1108,"breadcrumbArticleLabel":714,"hiddenNewsletterOnTopics":2316,"componentsAfterTheArticle":2319,"moreArticlesLabelFallback":2458,"sidebarTableOfContentsLabel":2459},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2214],{"cta":2215,"_uid":2223,"image":2224,"title":2228,"subtitle":2251,"component":2252},[2216],{"tag":90,"_uid":2217,"hide":28,"icon":2218,"link":2220,"type":90,"label":1461,"style":100,"component":101,"mobileLabel":90,"onClickEvent":2222,"openInANewTab":28,"horizontalFill":28},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2219},{},{"id":1453,"url":90,"linktype":867,"fieldtype":99,"cached_url":1454,"prep":41,"story":2221},{"name":1456,"id":1457,"uuid":1453,"slug":1458,"url":1459,"full_slug":1460,"_stopResolving":41},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2225,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2226,"copyright":90,"fieldtype":95,"meta_data":2227,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":107,"content":2229},[2230],{"type":110,"attrs":2231,"content":2232},{"textAlign":25,"key":112},[2233,2242,2244],{"text":2234,"type":116,"marks":2235},"Gasta mejor. ",[2236,2238],{"type":1476,"attrs":2237},{"color":90},{"type":2239,"attrs":2240},"styled",{"class":2241},"text-item-heading text-item-heading-md",{"type":2243},"hard_break",{"text":2245,"type":116,"marks":2246},"Trabaja mejor.",[2247,2249],{"type":1476,"attrs":2248},{"color":90},{"type":2239,"attrs":2250},{"class":2241},"Centraliza tarjetas, facturas y gastos en un único flujo controlado para tener visibilidad en tiempo real y acelerar el cierre financiero.","ctaBlock",[],[2255],{"_uid":2256,"fields":2257,"component":1969,"submitUrl":2277,"hubspotFormId":1972,"successMessage":1973,"horizontalAlign":90,"onSubmitSegmentEvent":2278},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2258],{"_uid":2259,"name":1941,"type":116,"label":1942,"required":41,"component":1943,"submitBtn":1944,"legalNotice":2260,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"cc924123-e126-4829-a72a-43fcf863a045",{"type":107,"content":2261},[2262],{"type":110,"content":2263},[2264,2265,2270,2271,2276],{"text":1950,"type":116},{"text":1952,"type":116,"marks":2266},[2267],{"type":188,"attrs":2268},{"href":1956,"uuid":1862,"anchor":25,"custom":1957,"target":191,"linktype":867,"story":2269},{"name":1865,"id":1866,"uuid":1862,"slug":1867,"url":1868,"full_slug":1869,"_stopResolving":41},{"text":1960,"type":116},{"text":1878,"type":116,"marks":2272},[2273],{"type":188,"attrs":2274},{"href":1965,"uuid":1875,"anchor":25,"custom":1957,"target":191,"linktype":867,"story":2275},{"name":1878,"id":1879,"uuid":1875,"slug":1880,"url":1881,"full_slug":1882,"_stopResolving":41},{"text":1968,"type":116},{"id":90,"url":90,"linktype":867,"fieldtype":99,"cached_url":1971,"prep":41},"website:article:blog_newsletter:form_completed","¿Te gusta lo que lees?",[2281],{"cta":2282,"_uid":2297,"image":2298,"title":2300,"subtitle":2311,"component":2252},[2283],{"tag":90,"_uid":2284,"hide":28,"icon":2285,"link":2287,"type":90,"label":2295,"style":100,"component":101,"mobileLabel":90,"onClickEvent":2296,"openInANewTab":28,"horizontalFill":28},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2286},{},{"id":2288,"url":90,"linktype":867,"fieldtype":99,"cached_url":2289,"prep":41,"story":2290},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/es/platform-tour",{"name":2291,"id":2292,"uuid":2288,"slug":2293,"url":2293,"full_slug":2294,"_stopResolving":41},"Platform tour",413550505,"platform-tour","es/platform-tour","Probar demo interactivo","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95,"meta_data":2299,"is_external_url":28},{},{"type":107,"content":2301},[2302],{"type":110,"attrs":2303,"content":2304},{"textAlign":25,"key":112},[2305],{"text":2306,"type":116,"marks":2307},"¿Quieres saber  cómo funciona Spendesk?",[2308],{"type":2239,"attrs":2309},{"class":2310},"patron-heading-2 accentuation-01","Prueba nuestro demo interactivo y descubre como controlar  el gasto y las aprobaciones de principio a fin.","Más artículos sobre",{"id":1100,"url":90,"linktype":867,"fieldtype":99,"cached_url":1101,"prep":41,"story":2314},{"name":1103,"id":1104,"uuid":1100,"slug":1105,"url":1106,"full_slug":1107,"_stopResolving":41},"Publicamos nuevos artículos como este cada semana. Suscríbete a nuestro Newsletter para mantenerte informado.",[2317,2318],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2320],{"cta":2321,"_uid":2322,"items":2323,"heading":2436,"reverse":28,"component":824,"sectionSettings":2457},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2324,2379],{"_uid":2325,"title":2326,"component":753,"description":2327},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":107,"content":2328},[2329,2334,2359,2364,2369,2374],{"type":110,"attrs":2330,"content":2331},{"textAlign":25},[2332],{"text":2333,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2335,"attrs":2336,"content":2337},"ordered_list",{"order":354},[2338,2345,2352],{"type":549,"content":2339},[2340],{"type":110,"attrs":2341,"content":2342},{"textAlign":25},[2343],{"text":2344,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":549,"content":2346},[2347],{"type":110,"attrs":2348,"content":2349},{"textAlign":25},[2350],{"text":2351,"type":116},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":549,"content":2353},[2354],{"type":110,"attrs":2355,"content":2356},{"textAlign":25},[2357],{"text":2358,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2360,"content":2361},{"textAlign":25},[2362],{"text":2363,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":110,"attrs":2365,"content":2366},{"textAlign":25},[2367],{"text":2368,"type":116},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":110,"attrs":2370,"content":2371},{"textAlign":25},[2372],{"text":2373,"type":116},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":110,"attrs":2375,"content":2376},{"textAlign":25},[2377],{"text":2378,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2380,"title":2381,"component":753,"description":2382},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2383},[2384,2389,2401,2406,2416,2421,2426,2431],{"type":110,"attrs":2385,"content":2386},{"textAlign":25},[2387],{"text":2388,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":110,"attrs":2390,"content":2391},{"textAlign":25},[2392,2396,2399],{"text":2393,"type":116,"marks":2394},"Para los empleados",[2395],{"type":363},{"type":2243,"marks":2397},[2398],{"type":363},{"text":2400,"type":116},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":110,"attrs":2402,"content":2403},{"textAlign":25},[2404],{"text":2405,"type":116},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2407,"content":2408},{"textAlign":25},[2409,2413,2414],{"text":2410,"type":116,"marks":2411},"Para los equipos financieros",[2412],{"type":363},{"type":2243},{"text":2415,"type":116},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":110,"attrs":2417,"content":2418},{"textAlign":25},[2419],{"text":2420,"type":116},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":110,"attrs":2422,"content":2423},{"textAlign":25},[2424],{"text":2425,"type":116},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":110,"attrs":2427,"content":2428},{"textAlign":25},[2429],{"text":2430,"type":116},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":110,"attrs":2432,"content":2433},{"textAlign":25},[2434],{"text":2435,"type":116},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2437],{"cta":2438,"_uid":2439,"title":2440,"eyebrow":2447,"subtitle":2450,"component":160,"textAlign":90,"sectionSettings":2456,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2441},[2442],{"type":160,"attrs":2443,"content":2444},{"level":162},[2445],{"text":2446,"type":116},"Empezar con Spendesk",{"type":107,"content":2448},[2449],{"type":110},{"type":107,"content":2451},[2452],{"type":110,"content":2453},[2454],{"text":2455,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2461,2591,2730,2871,3001,3119,3208,3352,3473,3602,3773,3911,4050,4178,4306],{"name":2462,"created_at":2463,"published_at":2464,"updated_at":2465,"id":2466,"uuid":2467,"content":2468,"slug":2580,"full_slug":2581,"sort_by_date":25,"position":2582,"tag_list":2583,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":2584,"first_published_at":2464,"release_id":25,"lang":32,"path":25,"alternates":2585,"default_full_slug":2586,"translated_slugs":2587},"Factura electrónica B2B obligatoria en España: RD 238/2026, plazos y obligaciones de información","2026-08-26T15:56:48.444Z","2026-08-26T16:07:20.321Z","2026-08-26T16:07:20.364Z",213279573839287,"fd5bdfbe-88a9-430c-a4c8-3fe4dc83e887",{"_uid":2469,"title":2462,"topics":2470,"noIndex":28,"category":2479,"language":2488,"component":726,"heroMedia":2489,"metaTitle":2490,"publishedAt":90,"readingTime":742,"redirectUrl":90,"listingImage":2491,"metaDescription":2492,"bottomArticleCta":2493,"componentsAfterTheArticle":2494},"fef2010a-eba8-4d77-ba63-0f84b8d05d91",[2471],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2472,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2473,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2474,"default_full_slug":147,"translated_slugs":2475,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2476,2477,2478],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2480,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2482,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2483,"default_full_slug":733,"translated_slugs":2484,"_stopResolving":41},{"_uid":720,"icon":2481,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2485,2486,2487],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Factura electrónica B2B obligatoria: RD 238/2026",[],"Descubre cuándo entra en vigor la factura electrónica B2B obligatoria en España, a quién afecta primero, qué comunicar en cuatro días y las sanciones.",[],[2495],{"_uid":2496,"items":2497,"heading":2558,"component":824},"ed1beb78-2e64-4eec-b80b-41ff657d25ea",[2498,2508,2518,2528,2538,2548],{"_uid":2499,"title":2500,"component":753,"description":2501},"283ede3f-09f4-4759-8973-a693d94ea973","¿Cuándo entra en vigor la factura electrónica B2B en España?",{"type":107,"content":2502},[2503],{"type":110,"attrs":2504,"content":2505},{"textAlign":25},[2506],{"text":2507,"type":116},"El Real Decreto 238/2026 entró formalmente en vigor el 20 de abril de 2026. Sin embargo, los plazos para la aplicación efectiva de las obligaciones principales empiezan a contar cuando entre en vigor la orden ministerial prevista. A partir de ese momento, se contemplan 12 meses para las empresas que hayan superado el umbral de 8 millones de euros de volumen de operaciones y 24 meses para el resto de empresas y profesionales incluidos.",{"_uid":2509,"title":2510,"component":753,"description":2511},"4e9d6662-a73d-42f6-a917-670dd58c2996","¿Quién está obligado a utilizar la factura electrónica B2B?",{"type":107,"content":2512},[2513],{"type":110,"attrs":2514,"content":2515},{"textAlign":25},[2516],{"text":2517,"type":116},"La obligación afecta principalmente a las operaciones en las que un empresario o profesional emite una factura a otro empresario o profesional incluido en el ámbito español previsto por la normativa. La aplicación depende de la operación, la condición y la ubicación de las partes y las posibles exclusiones. Las operaciones B2C y B2G tienen reglas diferentes.",{"_uid":2519,"title":2520,"component":753,"description":2521},"310194eb-0234-4c6b-a583-ed00c32a365e","¿Es lo mismo la factura electrónica B2B que VERI*FACTU?",{"type":107,"content":2522},[2523],{"type":110,"attrs":2524,"content":2525},{"textAlign":25},[2526],{"text":2527,"type":116},"No. La factura electrónica B2B regula el formato y el intercambio de facturas entre empresas y profesionales. VERI*FACTU forma parte del marco aplicable a los sistemas informáticos de facturación y a sus registros. Ambas obligaciones pueden afectar a una misma empresa, pero tienen objetivos y requisitos diferentes.",{"_uid":2529,"title":2530,"component":753,"description":2531},"fc35e05b-e765-4823-9532-a282a8888215","¿Se podrá seguir enviando una factura en PDF por correo electrónico?",{"type":107,"content":2532},[2533],{"type":110,"attrs":2534,"content":2535},{"textAlign":25},[2536],{"text":2537,"type":116},"Un PDF puede seguir utilizándose en determinados contextos y periodos transitorios, pero no equivale por sí solo a una factura electrónica B2B estructurada. Cuando la obligación sea aplicable, la factura deberá cumplir los requisitos de formato e intercambio establecidos por la normativa. En algunos casos transitorios puede ser necesario enviar también una copia legible en PDF.",{"_uid":2539,"title":2540,"component":753,"description":2541},"746ebd48-350a-4272-b985-d676e56e4b65","¿Puede Spendesk cumplir por sí sola con la factura electrónica B2B en España?",{"type":107,"content":2542},[2543],{"type":110,"attrs":2544,"content":2545},{"textAlign":25},[2546],{"text":2547,"type":116},"Spendesk puede ayudar a las empresas a preparar y organizar sus procesos internos de gestión de facturas de proveedores, desde la captura y revisión de los datos hasta la aprobación, el pago y la trazabilidad. De este modo, los equipos financieros pueden contar con un proceso más estructurado antes de coordinarlo con la solución de factura electrónica B2B correspondiente. Spendesk no sustituye por sí sola a esa solución ni cubre automáticamente todos los requisitos aplicables en España en materia de emisión, intercambio y comunicación de estados.",{"_uid":2549,"title":2550,"component":753,"description":2551},"04c02eac-391e-4a3b-a9e3-f37f777310a2","¿Qué formatos de factura electrónica serán válidos?",{"type":107,"content":2552},[2553],{"type":110,"attrs":2554,"content":2555},{"textAlign":25},[2556],{"text":2557,"type":116},"El marco regulatorio contempla formatos estructurados compatibles con EN 16931, entre ellos CII, UBL, EDIFACT y Facturae. La plataforma utilizada debe ser capaz de trabajar con los formatos y requisitos de interoperabilidad aplicables al sistema español.",[2559],{"cta":2560,"_uid":2561,"title":2562,"eyebrow":2568,"subtitle":2573,"component":160,"textAlign":90,"flexibleSection":2578,"sectionSettings":2579,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"87703176-357e-4029-b671-6e2f33e3ba25",{"type":107,"content":2563},[2564],{"type":160,"attrs":2565,"content":2566},{"level":162,"textAlign":25},[2567],{"text":811,"type":116},{"type":107,"content":2569},[2570],{"type":110,"attrs":2571,"content":2572},{"textAlign":25},[],{"type":107,"content":2574},[2575],{"type":110,"attrs":2576,"content":2577},{"textAlign":25},[],[],[],"factura-electronica-b2b-obligatoria","es/blog/factura-electronica-b2b-obligatoria",-2900,[],"239c3755-1891-4b1a-9bbb-7368f4bcfe70",[],"blog/factura-electronica-b2b-obligatoria",[2588,2589,2590],{"path":2586,"name":25,"lang":37,"published":25},{"path":2586,"name":25,"lang":39,"published":25},{"path":2586,"name":25,"lang":32,"published":25},{"name":2592,"created_at":2593,"published_at":2594,"updated_at":2595,"id":2596,"uuid":2597,"content":2598,"slug":2719,"full_slug":2720,"sort_by_date":25,"position":2721,"tag_list":2722,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":2723,"first_published_at":2594,"release_id":25,"lang":32,"path":25,"alternates":2724,"default_full_slug":2725,"translated_slugs":2726},"Libro de facturas emitidas y recibidas: qué debe contener, plazos y sanciones","2026-08-26T15:56:47.353Z","2026-08-26T16:07:19.051Z","2026-08-26T16:07:19.078Z",213279569366426,"1f4e5b3d-e6c8-4e10-9f39-9e11018de9c7",{"_uid":2599,"title":2592,"topics":2600,"noIndex":28,"category":2609,"language":2618,"component":726,"heroMedia":2619,"metaTitle":2620,"publishedAt":90,"readingTime":2621,"redirectUrl":90,"listingImage":2622,"metaDescription":2623,"bottomArticleCta":2624,"componentsAfterTheArticle":2625},"1aa48761-92ae-4fbf-8b56-8bcb90e53a67",[2601],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2602,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2603,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2604,"default_full_slug":147,"translated_slugs":2605,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2606,2607,2608],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2610,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2612,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2613,"default_full_slug":733,"translated_slugs":2614,"_stopResolving":41},{"_uid":720,"icon":2611,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2615,2616,2617],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Libro de facturas emitidas y recibidas: qué contener","12",[],"Libro registro de facturas recibidas: qué datos debe contener, cómo gestionarlo y qué debes revisar para mantener al día tus libros registro del IVA.",[],[2626],{"_uid":2627,"items":2628,"heading":2697,"component":824},"260a9c76-16bd-46cb-9256-480f8dab3c20",[2629,2639,2649,2667,2677,2687],{"_uid":2630,"title":2631,"component":753,"description":2632},"a41c4649-d687-448b-bf01-65362821de65","¿Qué consecuencias puede tener omitir un dato del libro registro?",{"type":107,"content":2633},[2634],{"type":110,"attrs":2635,"content":2636},{"textAlign":25},[2637],{"text":2638,"type":116},"Omitir o registrar de forma incorrecta una información puede dificultar la revisión contable y, según las circunstancias, dar lugar a consecuencias fiscales o sancionadoras. La valoración depende del tipo de error, del registro afectado, del régimen de la empresa y de la normativa vigente. Consulta la información de la Agencia Tributaria o a un asesor fiscal.",{"_uid":2640,"title":2641,"component":753,"description":2642},"1e0b697d-a60b-4b3f-bd6e-b07d61a6ec99","¿Se pueden agrupar varias facturas en un asiento resumen?",{"type":107,"content":2643},[2644],{"type":110,"attrs":2645,"content":2646},{"textAlign":25},[2647],{"text":2648,"type":116},"En determinados supuestos, la normativa permite utilizar asientos resumen. Las condiciones dependen del tipo de factura, la operación, los importes y otros requisitos. No todas las facturas pueden agruparse, por lo que conviene revisar las instrucciones vigentes antes de utilizar este método.",{"_uid":2650,"title":2651,"component":753,"description":2652},"b5737e9c-4d36-42e2-8625-6bbe8a99ae6c","¿Cuánto tiempo deben conservarse las facturas y los libros registro?",{"type":107,"content":2653},[2654],{"type":110,"attrs":2655,"content":2656},{"textAlign":25},[2657,2659,2665],{"text":2658,"type":116},"Las obligaciones de conservación pueden variar según se trate de facturas, libros contables, activos sujetos a regularización u otros documentos. No debe aplicarse un único plazo a todos los casos. La Agencia Tributaria ofrece información sobre la",{"text":2660,"type":116,"marks":2661}," conservación de facturas",[2662],{"type":188,"attrs":2663},{"href":2664,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/facturacion-registro/facturacion-iva/obligacion-conservar-facturas.html",{"text":2666,"type":116}," y sobre las obligaciones contables y registrales.",{"_uid":2668,"title":2669,"component":753,"description":2670},"e6934227-e274-46d4-97aa-3dea11c63fe1","¿Se puede utilizar Excel para llevar el libro registro?",{"type":107,"content":2671},[2672],{"type":110,"attrs":2673,"content":2674},{"textAlign":25},[2675],{"text":2676,"type":116},"La herramienta utilizada debe permitir recoger la información necesaria, mantener el orden de las anotaciones y conservar la documentación relacionada. Excel puede no ser suficiente para gestionar un volumen elevado de facturas, aprobaciones, documentos y correcciones. La empresa debe confirmar que el sistema elegido se adapta a sus obligaciones y procesos internos.",{"_uid":2678,"title":2679,"component":753,"description":2680},"72ec2867-2ead-49c9-b68b-a5bfe1a09dd6","¿Puede Spendesk sustituir el libro registro de facturas recibidas?",{"type":107,"content":2681},[2682],{"type":110,"attrs":2683,"content":2684},{"textAlign":25},[2685],{"text":2686,"type":116},"No. Spendesk no debe presentarse como un sustituto automático del libro fiscal oficial ni como una herramienta de asesoramiento tributario. Puede ayudar a centralizar facturas de proveedores, extraer y revisar datos, gestionar aprobaciones, conservar la documentación del proceso y preparar información para su exportación al sistema contable. La empresa sigue siendo responsable de validar el registro final y el tratamiento fiscal aplicable.",{"_uid":2688,"title":2689,"component":753,"description":2690},"ce45d85b-586d-43e8-895b-d16c57e3970f","¿Cómo se gestionan las facturas rectificativas?",{"type":107,"content":2691},[2692],{"type":110,"attrs":2693,"content":2694},{"textAlign":25},[2695],{"text":2696,"type":116},"Las facturas rectificativas deben identificarse y relacionarse con la operación original conforme a las reglas aplicables. En Spendesk, el equipo puede gestionar la documentación y el flujo de revisión, pero el tratamiento contable y fiscal debe validarse según las circunstancias de la operación.",[2698],{"cta":2699,"_uid":2700,"title":2701,"eyebrow":2707,"subtitle":2712,"component":160,"textAlign":90,"flexibleSection":2717,"sectionSettings":2718,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"37b08c3d-c162-4c57-b3b3-d6d60bdc54aa",{"type":107,"content":2702},[2703],{"type":160,"attrs":2704,"content":2705},{"level":162,"textAlign":25},[2706],{"text":811,"type":116},{"type":107,"content":2708},[2709],{"type":110,"attrs":2710,"content":2711},{"textAlign":25},[],{"type":107,"content":2713},[2714],{"type":110,"attrs":2715,"content":2716},{"textAlign":25},[],[],[],"libro-registro-facturas-emitidas-recibidas","es/blog/libro-registro-facturas-emitidas-recibidas",-2890,[],"6362c47f-9bce-4f42-9a7d-96ca70dcc919",[],"blog/libro-registro-facturas-emitidas-recibidas",[2727,2728,2729],{"path":2725,"name":25,"lang":37,"published":25},{"path":2725,"name":25,"lang":39,"published":25},{"path":2725,"name":25,"lang":32,"published":25},{"name":2731,"created_at":2732,"published_at":2733,"updated_at":2734,"id":2735,"uuid":2736,"content":2737,"slug":2860,"full_slug":2861,"sort_by_date":25,"position":2862,"tag_list":2863,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":2864,"first_published_at":2733,"release_id":25,"lang":32,"path":25,"alternates":2865,"default_full_slug":2866,"translated_slugs":2867},"Facturas con retención de IRPF: cómo validarlas y pagarlas correctamente desde el equipo de finanzas","2026-08-26T15:56:46.281Z","2026-08-26T16:07:17.923Z","2026-08-26T16:07:17.951Z",213279564983671,"5c88a22e-413e-4b5a-a189-6e7f76a56680",{"_uid":2738,"title":2731,"topics":2739,"noIndex":28,"category":2748,"language":2757,"component":726,"heroMedia":2758,"metaTitle":2759,"publishedAt":90,"readingTime":2760,"redirectUrl":90,"listingImage":2761,"metaDescription":2762,"bottomArticleCta":2763,"componentsAfterTheArticle":2764},"2e625e42-c16d-4154-bf03-c232bc3dfa31",[2740],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2741,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2742,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2743,"default_full_slug":147,"translated_slugs":2744,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2745,2746,2747],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2749,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2751,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2752,"default_full_slug":733,"translated_slugs":2753,"_stopResolving":41},{"_uid":720,"icon":2750,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2754,2755,2756],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Facturas con retención de IRPF: validar y pagar","13",[],"Facturas con retención de IRPF: cómo validar el porcentaje, revisar la base y aprobar el pago desde el equipo de Finanzas.",[],[2765],{"_uid":2766,"items":2767,"heading":2838,"component":824},"5825f6bb-0a60-427b-9780-9a3436456e50",[2768,2778,2788,2798,2808,2818,2828],{"_uid":2769,"title":2770,"component":753,"description":2771},"2c41ac83-8d9c-40c0-a007-34f8d9bd94ad","¿Todas las facturas de profesionales llevan retención de IRPF?",{"type":107,"content":2772},[2773],{"type":110,"attrs":2774,"content":2775},{"textAlign":25},[2776],{"text":2777,"type":116},"No. La obligación depende del pagador, del tipo de ingreso, de la actividad del proveedor y de las circunstancias de la operación. Que el proveedor sea autónomo o que la factura corresponda a un servicio profesional no basta para aplicar automáticamente una retención.",{"_uid":2779,"title":2780,"component":753,"description":2781},"bd580b26-df21-4199-85a9-dc77a8fb5bf3","¿Cómo se calcula la retención de IRPF en una factura?",{"type":107,"content":2782},[2783],{"type":110,"attrs":2784,"content":2785},{"textAlign":25},[2786],{"text":2787,"type":116},"Como orientación general, se aplica el porcentaje correspondiente sobre la remuneración o base sujeta a retención. En una factura profesional ordinaria, suele tomarse como referencia la base antes del IVA. Los suplidos, gastos repercutidos, descuentos y otros conceptos pueden requerir un tratamiento diferente.",{"_uid":2789,"title":2790,"component":753,"description":2791},"b4e975a6-fdda-4f6b-b4c6-be4e5deab215","¿Qué hago si una factura profesional llega sin retención?",{"type":107,"content":2792},[2793],{"type":110,"attrs":2794,"content":2795},{"textAlign":25},[2796],{"text":2797,"type":116},"No la pagues automáticamente. Comprueba si la operación está sujeta, revisa la situación del proveedor y consulta con la asesoría o la persona responsable de impuestos. Puede ser necesario solicitar una corrección, documentar el porcentaje aplicable o ajustar el proceso de pago y registro.",{"_uid":2799,"title":2800,"component":753,"description":2801},"e0cbee5b-47c5-4e93-b587-4ea85f994655","¿Quién ingresa la retención en Hacienda?",{"type":107,"content":2802},[2803],{"type":110,"attrs":2804,"content":2805},{"textAlign":25},[2806],{"text":2807,"type":116},"Cuando la empresa está obligada a retener, el pagador debe cumplir las obligaciones de ingreso y declaración correspondientes. La gestión puede incluir declaraciones periódicas y resúmenes anuales. El proveedor recibe un certificado con la información necesaria para su declaración.",{"_uid":2809,"title":2810,"component":753,"description":2811},"f0a0ff0f-d530-46cd-ae89-0e336e025935","¿Cómo ayuda Spendesk a gestionar facturas con retención de IRPF?",{"type":107,"content":2812},[2813],{"type":110,"attrs":2814,"content":2815},{"textAlign":25},[2816],{"text":2817,"type":116},"Spendesk ayuda a centralizar las facturas de proveedores, extraer determinados datos mediante OCR, revisar y editar la información, gestionar los flujos de aprobación, programar los pagos y exportar la información al sistema contable, en función de la integración disponible. Esto permite al equipo financiero mantener el proceso organizado y trazable, al tiempo que valida por separado si la factura está sujeta a retención, qué porcentaje resulta aplicable y cuál es el tratamiento fiscal correspondiente.",{"_uid":2819,"title":2820,"component":753,"description":2821},"c80b46e8-fbde-42dc-843b-2ddbe60c6342","¿Puede Spendesk calcular automáticamente la retención de IRPF?",{"type":107,"content":2822},[2823],{"type":110,"attrs":2824,"content":2825},{"textAlign":25},[2826],{"text":2827,"type":116},"No debe presentarse Spendesk como una herramienta que calcula, valida o aplica automáticamente las retenciones de IRPF en España. Spendesk puede ayudar a centralizar facturas, extraer datos estándar, gestionar aprobaciones, programar pagos y exportar información contable. El equipo financiero debe validar el tratamiento fiscal mediante sus procedimientos y sistemas correspondientes.",{"_uid":2829,"title":2830,"component":753,"description":2831},"cc10cb16-b28a-4f80-83d4-5f04e2201f09","¿Cómo se registra una factura con retención?",{"type":107,"content":2832},[2833],{"type":110,"attrs":2834,"content":2835},{"textAlign":25},[2836],{"text":2837,"type":116},"El registro debe distinguir el gasto, el IVA que pueda ser deducible, el importe neto que se paga al proveedor y la retención pendiente de ingreso. Las cuentas y el asiento dependen del plan contable y del ERP de la empresa, por lo que deben confirmarse con el equipo contable o la asesoría.",[2839],{"cta":2840,"_uid":2841,"title":2842,"eyebrow":2848,"subtitle":2853,"component":160,"textAlign":90,"flexibleSection":2858,"sectionSettings":2859,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"360fcad8-3e5d-4055-8ca7-dafd01d0167c",{"type":107,"content":2843},[2844],{"type":160,"attrs":2845,"content":2846},{"level":162,"textAlign":25},[2847],{"text":811,"type":116},{"type":107,"content":2849},[2850],{"type":110,"attrs":2851,"content":2852},{"textAlign":25},[],{"type":107,"content":2854},[2855],{"type":110,"attrs":2856,"content":2857},{"textAlign":25},[],[],[],"facturas-con-retencion-de-irpf","es/blog/facturas-con-retencion-de-irpf",-2880,[],"a9350e98-5a01-42e3-938d-5dc2a4cbbd74",[],"blog/facturas-con-retencion-de-irpf",[2868,2869,2870],{"path":2866,"name":25,"lang":37,"published":25},{"path":2866,"name":25,"lang":39,"published":25},{"path":2866,"name":25,"lang":32,"published":25},{"name":2872,"created_at":2873,"published_at":2874,"updated_at":2875,"id":2876,"uuid":2877,"content":2878,"slug":2990,"full_slug":2991,"sort_by_date":25,"position":2992,"tag_list":2993,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":2994,"first_published_at":2874,"release_id":25,"lang":32,"path":25,"alternates":2995,"default_full_slug":2996,"translated_slugs":2997},"Remesa bancaria: cómo preparar, validar y ejecutar pagos por lotes SEPA","2026-08-26T15:56:45.149Z","2026-08-26T16:07:16.812Z","2026-08-26T16:07:16.840Z",213279560346978,"6ccc0a04-595f-469e-a018-9ece3b97a491",{"_uid":2879,"title":2872,"topics":2880,"noIndex":28,"category":2889,"language":2898,"component":726,"heroMedia":2899,"metaTitle":2900,"publishedAt":90,"readingTime":2760,"redirectUrl":90,"listingImage":2901,"metaDescription":2902,"bottomArticleCta":2903,"componentsAfterTheArticle":2904},"5436491d-39fc-4e35-aa76-479e172b0f75",[2881],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2882,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2883,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2884,"default_full_slug":147,"translated_slugs":2885,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2886,2887,2888],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2890,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2892,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2893,"default_full_slug":733,"translated_slugs":2894,"_stopResolving":41},{"_uid":720,"icon":2891,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2895,2896,2897],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Remesa bancaria: pagos por lotes SEPA paso a paso",[],"Descubre qué es una remesa bancaria y cómo preparar y validar pagos por lotes SEPA para controlar la tesorería y cumplir los plazos en España.",[],[2905],{"_uid":2906,"items":2907,"heading":2968,"component":824},"012c98e0-9fca-4750-9f7b-ffe4287f4886",[2908,2918,2928,2938,2948,2958],{"_uid":2909,"title":2910,"component":753,"description":2911},"db6175cd-5ce0-4e60-8f83-a8d71b0d451a","¿Qué es una remesa bancaria?",{"type":107,"content":2912},[2913],{"type":110,"attrs":2914,"content":2915},{"textAlign":25},[2916],{"text":2917,"type":116},"Una remesa bancaria es un conjunto de órdenes de pago que se preparan para una fecha determinada. Permite reunir varias operaciones, revisar sus datos y enviarlas o ejecutarlas siguiendo el proceso definido por la empresa y su banco.",{"_uid":2919,"title":2920,"component":753,"description":2921},"7b6e2547-866c-4aa4-94fe-1ba719fce755","¿Cómo hacer una remesa bancaria con Spendesk?",{"type":107,"content":2922},[2923],{"type":110,"attrs":2924,"content":2925},{"textAlign":25},[2926],{"text":2927,"type":116},"Con Spendesk, el equipo puede gestionar las facturas, revisar las aprobaciones, seleccionar varios pagos y programarlos para una misma fecha, según la configuración disponible. También puede exportar un fichero XML SEPA con los pagos seleccionados para cargarlo posteriormente en el entorno bancario de la empresa. La disponibilidad de cada función depende de la entidad, el plan y la configuración contratada.",{"_uid":2929,"title":2930,"component":753,"description":2931},"9d056b95-01ee-4eb4-9798-aa1c16cdd47e","¿Cómo validar un fichero SEPA antes de enviarlo al banco?",{"type":107,"content":2932},[2933],{"type":110,"attrs":2934,"content":2935},{"textAlign":25},[2936],{"text":2937,"type":116},"Revisa los datos del ordenante y de los beneficiarios, los IBAN, los importes, las fechas, los conceptos y las autorizaciones. Comprueba también que no haya operaciones duplicadas y que el contenido del fichero coincida con las facturas aprobadas. La validación final corresponde al banco o al proveedor de servicios de pago que reciba el archivo.",{"_uid":2939,"title":2940,"component":753,"description":2941},"c69192e6-c3f8-463d-93f7-d19cde724f1f","¿Cómo se contabilizan las remesas bancarias?",{"type":107,"content":2942},[2943],{"type":110,"attrs":2944,"content":2945},{"textAlign":25},[2946],{"text":2947,"type":116},"El proceso depende de si la remesa corresponde a pagos o cobros, del plan contable, del sistema utilizado y del momento en que se reconoce la operación. El equipo contable debe definir cómo registrar la orden, la ejecución, la liquidación y la conciliación.",{"_uid":2949,"title":2950,"component":753,"description":2951},"4e7e8316-9c24-4d8f-9d8e-7860a27b2941","¿Qué asiento contable corresponde a una remesa bancaria?",{"type":107,"content":2952},[2953],{"type":110,"attrs":2954,"content":2955},{"textAlign":25},[2956],{"text":2957,"type":116},"No existe un asiento único aplicable a todas las empresas. El asiento contable de una remesa bancaria depende del tipo de operación, del plan contable y del procedimiento definido por la empresa. Conviene confirmarlo con el equipo contable o la asesoría correspondiente.",{"_uid":2959,"title":2960,"component":753,"description":2961},"e15fc1b0-9632-4937-bc5f-8ef99e3411e5","¿Cómo se gestionan las remesas bancarias en un ERP?",{"type":107,"content":2962},[2963],{"type":110,"attrs":2964,"content":2965},{"textAlign":25},[2966],{"text":2967,"type":116},"La gestión depende de las integraciones y exportaciones disponibles. Antes de configurarla, conviene comprobar qué información se transfiere, cómo se actualizan los estados de pago y qué pasos de importación o conciliación siguen siendo manuales. Descubre cómo Spendesk conecta las solicitudes de compra, las aprobaciones, las facturas y los pagos en un flujo de control para equipos financieros.",[2969],{"cta":2970,"_uid":2971,"title":2972,"eyebrow":2978,"subtitle":2983,"component":160,"textAlign":90,"flexibleSection":2988,"sectionSettings":2989,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"012e0fa8-37f0-4bad-b593-fd7ada48f302",{"type":107,"content":2973},[2974],{"type":160,"attrs":2975,"content":2976},{"level":162,"textAlign":25},[2977],{"text":811,"type":116},{"type":107,"content":2979},[2980],{"type":110,"attrs":2981,"content":2982},{"textAlign":25},[],{"type":107,"content":2984},[2985],{"type":110,"attrs":2986,"content":2987},{"textAlign":25},[],[],[],"remesa-bancaria-pagos-sepa","es/blog/remesa-bancaria-pagos-sepa",-2870,[],"84461d25-ba00-4b9e-ae0c-5151ea52266d",[],"blog/remesa-bancaria-pagos-sepa",[2998,2999,3000],{"path":2996,"name":25,"lang":37,"published":25},{"path":2996,"name":25,"lang":39,"published":25},{"path":2996,"name":25,"lang":32,"published":25},{"name":3002,"created_at":3003,"published_at":3004,"updated_at":3005,"id":3006,"uuid":3007,"content":3008,"slug":3108,"full_slug":3109,"sort_by_date":25,"position":3110,"tag_list":3111,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3112,"first_published_at":3004,"release_id":25,"lang":32,"path":25,"alternates":3113,"default_full_slug":3114,"translated_slugs":3115},"Factura intracomunitaria: IVA y cómo contabilizarla en España","2026-08-26T15:56:44.073Z","2026-08-26T16:07:15.675Z","2026-08-26T16:07:15.704Z",213279555935584,"34fcac11-2af5-40c6-b196-b07f8b1d0174",{"_uid":3009,"title":3002,"topics":3010,"noIndex":28,"category":3019,"language":3028,"component":726,"heroMedia":3029,"metaTitle":3030,"publishedAt":90,"readingTime":3031,"redirectUrl":90,"listingImage":3032,"metaDescription":3033,"bottomArticleCta":3034,"componentsAfterTheArticle":3035},"16ff30af-2904-477d-b075-c17a7cf9bf97",[3011],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3012,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3013,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3014,"default_full_slug":147,"translated_slugs":3015,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3016,3017,3018],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3020,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3022,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3023,"default_full_slug":733,"translated_slugs":3024,"_stopResolving":41},{"_uid":720,"icon":3021,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3025,3026,3027],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Factura intracomunitaria: IVA y contabilización","18",[],"Factura intracomunitaria: aprende a revisar el IVA, aplicar la inversión del sujeto pasivo y contabilizar las compras a proveedores de la Unión Europea.",[],[3036],{"_uid":3037,"items":3038,"heading":3086,"component":824},"156d09f6-b7f5-4dbe-a86d-04588ea27a93",[3039,3049,3059,3069],{"_uid":3040,"title":3041,"component":753,"description":3042},"6ebb716a-e3b9-43ec-985e-fe7611746bca","¿Qué pasa si el proveedor o mi empresa no están dados de alta en el ROI o no aparecen en VIES?",{"type":107,"content":3043},[3044],{"type":110,"attrs":3045,"content":3046},{"textAlign":25},[3047],{"text":3048,"type":116},"No existe una respuesta automática para todos los casos. Comprueba si el número se ha introducido correctamente, si el operador está activado para operaciones intracomunitarias y si la inscripción es reciente. En una entrega intracomunitaria de bienes, la ausencia de un número de IVA válido puede impedir aplicar la exención. En los servicios, el tratamiento depende también de la condición del cliente, el tipo de servicio y la regla de localización aplicable. Si la factura parece incorrecta, solicita al proveedor que confirme sus datos o emita una factura rectificativa. No apliques automáticamente un tipo de IVA extranjero o español sin revisar la operación.",{"_uid":3050,"title":3051,"component":753,"description":3052},"d929dcff-cea6-4ab2-bc9f-b1454eb915fc","¿Una operación intracomunitaria es lo mismo que una importación de fuera de la UE?",{"type":107,"content":3053},[3054],{"type":110,"attrs":3055,"content":3056},{"textAlign":25},[3057],{"text":3058,"type":116},"No. Una adquisición intracomunitaria se refiere, principalmente, a bienes transportados entre estados miembros o a determinados servicios B2B entre empresas de distintos países. Una importación se refiere a la entrada de bienes desde terceros países o territorios fuera del territorio comunitario del IVA y se tramita mediante Aduana. Una compra de servicios a un proveedor establecido fuera de la Unión Europea no es automáticamente una importación. Puede estar sujeta a las reglas españolas de localización de servicios y, en determinados casos, a la inversión del sujeto pasivo.",{"_uid":3060,"title":3061,"component":753,"description":3062},"17dd4ac9-4f17-4dae-91a7-f82f56b9e245","¿Cómo recupero el IVA soportado en otro país de la Unión Europea?",{"type":107,"content":3063},[3064],{"type":110,"attrs":3065,"content":3066},{"textAlign":25},[3067],{"text":3068,"type":116},"Una empresa establecida en España puede solicitar, si cumple los requisitos, la devolución del IVA soportado en otro estado miembro mediante el Modelo 360. El importe mínimo de IVA solicitado es de 400 € cuando la solicitud cubre un periodo de al menos tres meses, pero inferior a un año. El mínimo es de 50 € cuando la solicitud corresponde a un año natural completo o al periodo restante de un año. El plazo general de presentación termina el 30 de septiembre del año siguiente al que corresponden las cuotas. Estos umbrales se refieren al importe de IVA solicitado en la reclamación, no al importe de una factura individual. Las condiciones concretas también pueden depender del Estado miembro que debe efectuar la devolución.",{"_uid":3070,"title":3071,"component":753,"description":3072},"f951bfc8-21a7-4052-9f5a-910ecebe2971","¿El tratamiento cambia entre bienes y servicios?",{"type":107,"content":3073},[3074],{"type":110,"attrs":3075,"content":3076},{"textAlign":25},[3077,3079,3085],{"text":3078,"type":116},"Sí. En una adquisición intracomunitaria de bienes deben analizarse el transporte, la condición fiscal de las partes, la identificación para operaciones intracomunitarias y las reglas de exención aplicables a la entrega en origen. En los servicios B2B, la regla general suele localizar el servicio donde está establecido el cliente, pero existen reglas especiales para determinados servicios. Por eso no conviene aplicar automáticamente el mismo tratamiento a una factura de mercancías, una licencia de software, un servicio relacionado con un inmueble o una entrada a un evento. Gestiona las facturas de tus proveedores europeos desde una única plataforma.",{"text":3080,"type":116,"marks":3081}," Solicita una demo de Spendesk",[3082],{"type":188,"attrs":3083},{"href":3084,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/schedule-a-demo/",{"text":1968,"type":116},[3087],{"cta":3088,"_uid":3089,"title":3090,"eyebrow":3096,"subtitle":3101,"component":160,"textAlign":90,"flexibleSection":3106,"sectionSettings":3107,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c17aaa14-59e6-418f-9cd0-98d3c07712e9",{"type":107,"content":3091},[3092],{"type":160,"attrs":3093,"content":3094},{"level":162,"textAlign":25},[3095],{"text":811,"type":116},{"type":107,"content":3097},[3098],{"type":110,"attrs":3099,"content":3100},{"textAlign":25},[],{"type":107,"content":3102},[3103],{"type":110,"attrs":3104,"content":3105},{"textAlign":25},[],[],[],"factura-intracomunitaria","es/blog/factura-intracomunitaria",-2860,[],"a9d7945e-dc5a-4e57-82d3-001d1fa41333",[],"blog/factura-intracomunitaria",[3116,3117,3118],{"path":3114,"name":25,"lang":37,"published":25},{"path":3114,"name":25,"lang":39,"published":25},{"path":3114,"name":25,"lang":32,"published":25},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":3120,"slug":825,"full_slug":826,"sort_by_date":25,"position":827,"tag_list":3202,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":830,"first_published_at":6,"release_id":25,"lang":32,"path":25,"alternates":3203,"default_full_slug":832,"translated_slugs":3204},{"_uid":11,"title":4,"topics":3121,"noIndex":28,"category":3130,"language":3139,"component":726,"heroMedia":3140,"metaTitle":740,"publishedAt":90,"readingTime":742,"redirectUrl":90,"listingImage":3141,"metaDescription":744,"bottomArticleCta":3142,"componentsAfterTheArticle":3143},[3122],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3123,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3124,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3125,"default_full_slug":147,"translated_slugs":3126,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3127,3128,3129],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3131,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3133,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3134,"default_full_slug":733,"translated_slugs":3135,"_stopResolving":41},{"_uid":720,"icon":3132,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3136,3137,3138],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],[],[],[3144],{"_uid":748,"items":3145,"heading":3181,"component":824},[3146,3153,3160,3167,3174],{"_uid":751,"title":752,"component":753,"description":3147},{"type":107,"content":3148},[3149],{"type":110,"attrs":3150,"content":3151},{"textAlign":25},[3152],{"text":760,"type":116},{"_uid":762,"title":763,"component":753,"description":3154},{"type":107,"content":3155},[3156],{"type":110,"attrs":3157,"content":3158},{"textAlign":25},[3159],{"text":770,"type":116},{"_uid":772,"title":773,"component":753,"description":3161},{"type":107,"content":3162},[3163],{"type":110,"attrs":3164,"content":3165},{"textAlign":25},[3166],{"text":780,"type":116},{"_uid":782,"title":783,"component":753,"description":3168},{"type":107,"content":3169},[3170],{"type":110,"attrs":3171,"content":3172},{"textAlign":25},[3173],{"text":790,"type":116},{"_uid":792,"title":793,"component":753,"description":3175},{"type":107,"content":3176},[3177],{"type":110,"attrs":3178,"content":3179},{"textAlign":25},[3180],{"text":800,"type":116},[3182],{"cta":3183,"_uid":804,"title":3184,"eyebrow":3190,"subtitle":3195,"component":160,"textAlign":90,"flexibleSection":3200,"sectionSettings":3201,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],{"type":107,"content":3185},[3186],{"type":160,"attrs":3187,"content":3188},{"level":162,"textAlign":25},[3189],{"text":811,"type":116},{"type":107,"content":3191},[3192],{"type":110,"attrs":3193,"content":3194},{"textAlign":25},[],{"type":107,"content":3196},[3197],{"type":110,"attrs":3198,"content":3199},{"textAlign":25},[],[],[],[],[],[3205,3206,3207],{"path":832,"name":25,"lang":37,"published":25},{"path":832,"name":25,"lang":39,"published":25},{"path":832,"name":25,"lang":32,"published":25},{"name":3209,"created_at":3210,"published_at":3211,"updated_at":3212,"id":3213,"uuid":3214,"content":3215,"slug":3340,"full_slug":3341,"sort_by_date":25,"position":3342,"tag_list":3343,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3344,"first_published_at":3345,"release_id":25,"lang":32,"path":25,"alternates":3346,"default_full_slug":3347,"translated_slugs":3348},"IA para contabilidad en pymes españolas: cómo automatizar la captura de gastos, la clasificación y el cierre","2026-08-12T08:28:14.714Z","2026-08-12T08:35:43.913Z","2026-08-12T08:35:43.970Z",208214813594364,"b1b65912-04c2-4353-9ebd-8a97861f9071",{"_uid":3216,"title":3209,"topics":3217,"noIndex":28,"category":3243,"language":3252,"component":726,"heroMedia":3253,"metaTitle":3254,"publishedAt":90,"readingTime":3255,"redirectUrl":90,"listingImage":3256,"metaDescription":3257,"bottomArticleCta":3258,"componentsAfterTheArticle":3259},"511ae626-3156-474e-b14e-6956a12673a3",[3218,3226],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3219,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3220,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3221,"default_full_slug":147,"translated_slugs":3222,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3223,3224,3225],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":3227,"created_at":3228,"published_at":16,"updated_at":3229,"id":3230,"uuid":3231,"content":3232,"slug":3233,"full_slug":3234,"sort_by_date":25,"position":141,"tag_list":3235,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3236,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3237,"default_full_slug":3238,"translated_slugs":3239,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":3227,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[3240,3241,3242],{"path":3238,"name":25,"lang":37,"published":25},{"path":3238,"name":25,"lang":39,"published":25},{"path":3238,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3244,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3246,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3247,"default_full_slug":733,"translated_slugs":3248,"_stopResolving":41},{"_uid":720,"icon":3245,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3249,3250,3251],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"IA para contabilidad en pymes españolas: cómo automatizar la","9",[],"Descubre cómo usar IA para contabilidad en tu pyme española: automatiza la captura de facturas, clasifica gastos y acelera el cierre mensual.",[],[3260],{"_uid":3261,"items":3262,"heading":3318,"component":824},"23d5931d-5e27-4d3d-8c64-5fca12d04ac4",[3263,3273,3283,3293,3303],{"_uid":3264,"title":3265,"component":753,"description":3266},"e850d856-ad80-4790-910d-975afe23578c","¿Qué tareas contables puede automatizar la IA en una pyme?",{"type":107,"content":3267},[3268],{"type":110,"attrs":3269,"content":3270},{"textAlign":25},[3271],{"text":3272,"type":116},"La captura de facturas y recibos con OCR, la clasificación por cuenta contable y tipo de IVA, la conciliación bancaria y la preparación del borrador de cierre mensual. Estas tareas representan hasta el 80% del trabajo manual de contabilidad.",{"_uid":3274,"title":3275,"component":753,"description":3276},"7a531b96-4cb5-47b4-8be9-90dd189a596f","¿La IA sustituye al gestor o al contable?",{"type":107,"content":3277},[3278],{"type":110,"attrs":3279,"content":3280},{"textAlign":25},[3281],{"text":3282,"type":116},"No. La IA absorbe las tres tareas más repetitivas (entrada de datos, clasificación y conciliación), pero el contable y la gestoría siguen siendo imprescindibles para la revisión fiscal, el asesoramiento estratégico y la supervisión de excepciones.",{"_uid":3284,"title":3285,"component":753,"description":3286},"c6187276-e46e-41c8-ac23-63e8abb5c708","¿Cómo se integra la IA contable con Holded, Sage u otro ERP?",{"type":107,"content":3287},[3288],{"type":110,"attrs":3289,"content":3290},{"textAlign":25},[3291],{"text":3292,"type":116},"Las plataformas de contabilidad automatizada exportan los datos clasificados en formatos compatibles con Holded, Sage, A3 y otros ERPs, cubriendo los tres tipos de IVA (21%, 10%, 4%). La integración puede ser directa vía API o mediante ficheros de exportación estándar.",{"_uid":3294,"title":3295,"component":753,"description":3296},"97cbe7f5-47b3-437a-be57-f846b7aeefba","¿Es compatible con la factura electrónica y VERI*FACTU?",{"type":107,"content":3297},[3298],{"type":110,"attrs":3299,"content":3300},{"textAlign":25},[3301],{"text":3302,"type":116},"Las herramientas de IA para contabilidad que estructuran datos en formato electrónico facilitan la adaptación a VERI*FACTU (plazo para sociedades: 1 de enero de 2027) y a la facturación electrónica obligatoria de la Ley Crea y Crece.",{"_uid":3304,"title":3305,"component":753,"description":3306},"fc7c95cc-d42d-4ff7-8d12-2e34e6aea2db","¿Cuánto puede ahorrar una pyme al automatizar la contabilidad de gastos?",{"type":107,"content":3307},[3308],{"type":110,"attrs":3309,"content":3310},{"textAlign":25},[3311,3313],{"text":3312,"type":116},"El ahorro depende del volumen de facturas y del nivel de automatización, pero según estimaciones del sector, la reducción del coste por factura puede alcanzar el 60-80% frente al procesamiento manual, sumado a las horas liberadas del equipo financiero cada mes. ",{"text":3314,"type":116,"marks":3315},"**Descubre cómo Spendesk automatiza la contabilidad de tu pyme**",[3316],{"type":188,"attrs":3317},{"href":710,"uuid":25,"anchor":25,"target":191,"linktype":98},[3319],{"cta":3320,"_uid":3321,"title":3322,"eyebrow":3328,"subtitle":3333,"component":160,"textAlign":90,"flexibleSection":3338,"sectionSettings":3339,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"80726d22-94ef-4503-8398-87ec3f30b5e4",{"type":107,"content":3323},[3324],{"type":160,"attrs":3325,"content":3326},{"level":162,"textAlign":25},[3327],{"text":811,"type":116},{"type":107,"content":3329},[3330],{"type":110,"attrs":3331,"content":3332},{"textAlign":25},[],{"type":107,"content":3334},[3335],{"type":110,"attrs":3336,"content":3337},{"textAlign":25},[],[],[],"ia-para-contabilidad-pymes-espanolas","es/blog/ia-para-contabilidad-pymes-espanolas",-2400,[],"8d37ceb8-21f8-4949-8db4-bb6786b5de7e","2026-08-12T08:28:14.780Z",[],"blog/ia-para-contabilidad-pymes-espanolas",[3349,3350,3351],{"path":3347,"name":25,"lang":37,"published":25},{"path":3347,"name":25,"lang":39,"published":25},{"path":3347,"name":25,"lang":32,"published":25},{"name":3353,"created_at":3354,"published_at":3355,"updated_at":3356,"id":3357,"uuid":3358,"content":3359,"slug":3461,"full_slug":3462,"sort_by_date":25,"position":3463,"tag_list":3464,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3465,"first_published_at":3466,"release_id":25,"lang":32,"path":25,"alternates":3467,"default_full_slug":3468,"translated_slugs":3469},"Procesamiento automático de facturas: captura, validación, aprobación y contabilización","2026-08-12T08:28:02.050Z","2026-08-26T16:06:02.729Z","2026-08-26T16:06:02.752Z",208214761741651,"68ef0d3c-a513-42c2-9043-844bcd4b3803",{"_uid":3360,"title":3353,"topics":3361,"noIndex":28,"category":3370,"language":3379,"component":726,"heroMedia":3380,"metaTitle":3381,"publishedAt":90,"readingTime":2760,"redirectUrl":90,"listingImage":3382,"metaDescription":3383,"bottomArticleCta":3384,"componentsAfterTheArticle":3385},"11cfe285-da9c-412c-886f-635b198a21f6",[3362],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3363,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3364,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3365,"default_full_slug":147,"translated_slugs":3366,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3367,3368,3369],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3371,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3373,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3374,"default_full_slug":733,"translated_slugs":3375,"_stopResolving":41},{"_uid":720,"icon":3372,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3376,3377,3378],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Procesamiento automático de facturas: captura, validación, a",[],"El procesamiento automático de facturas elimina la entrada manual de datos y acelera el cierre contable. Guía completa para equipos de finanzas.",[],[3386],{"_uid":3387,"items":3388,"heading":3439,"component":824},"1b2d64d9-3737-468b-9bb3-71e5ea721fc2",[3389,3399,3409,3419,3429],{"_uid":3390,"title":3391,"component":753,"description":3392},"818f4ece-c0ff-4297-89ac-13c6a9e56dcc","¿Qué es la contabilización automática de facturas?",{"type":107,"content":3393},[3394],{"type":110,"attrs":3395,"content":3396},{"textAlign":25},[3397],{"text":3398,"type":116},"La contabilización automática de facturas prepara o sugiere datos como la cuenta contable, el código de IVA y el centro de coste mediante reglas y datos extraídos del documento. Puede reducir el tiempo de registro, pero la información debe revisarse antes de exportarla o contabilizarla, especialmente cuando afecta al IVA o a otros requisitos fiscales.",{"_uid":3400,"title":3401,"component":753,"description":3402},"0dafebb0-a0bc-4d53-9a62-e576be47fd3b","¿Qué diferencia hay entre digitalizar y automatizar las facturas de proveedores?",{"type":107,"content":3403},[3404],{"type":110,"attrs":3405,"content":3406},{"textAlign":25},[3407],{"text":3408,"type":116},"Digitalizar convierte un documento en papel en un archivo digital, como un PDF. Automatizar permite que el documento se procese mediante reglas, conciliaciones y flujos de aprobación. La digitalización puede reducir el uso de papel, pero no elimina por sí sola las tareas manuales ni las obligaciones de conservación o revisión.",{"_uid":3410,"title":3411,"component":753,"description":3412},"8dcf6960-6400-4462-b22d-5b92f2a3356c","¿Cuánto se tarda en implementar la automatización de facturas de proveedores?",{"type":107,"content":3413},[3414],{"type":110,"attrs":3415,"content":3416},{"textAlign":25},[3417],{"text":3418,"type":116},"El plazo depende del alcance del proyecto, el número de entidades, los flujos de aprobación, el plan contable, las integraciones, las comprobaciones de cumplimiento y la disponibilidad del equipo.",{"_uid":3420,"title":3421,"component":753,"description":3422},"97c83b02-78b0-4237-aa2e-45f2382489d5","¿La automatización de facturas cumple con la normativa española de IVA y SII?",{"type":107,"content":3423},[3424],{"type":110,"attrs":3425,"content":3426},{"textAlign":25},[3427],{"text":3428,"type":116},"No por sí sola. Una plataforma puede ayudar a capturar datos, aplicar reglas y preparar información para el IVA o el SII, pero la empresa sigue siendo responsable de seleccionar el tratamiento fiscal correcto, revisar los datos, conservar la documentación y presentar la información dentro de plazo. Verifica que la solución elegida cubra las funciones concretas que necesitas y que sean compatibles con tu sistema contable y con tus obligaciones fiscales.",{"_uid":3430,"title":3431,"component":753,"description":3432},"8da2d421-3418-42b1-8d5d-21a91492a590","¿Se pueden revisar y aprobar facturas desde el móvil?",{"type":107,"content":3433},[3434],{"type":110,"attrs":3435,"content":3436},{"textAlign":25},[3437],{"text":3438,"type":116},"Los usuarios con los permisos adecuados pueden consultar, aprobar o rechazar determinadas solicitudes y facturas desde la aplicación móvil de Spendesk. La disponibilidad de cada acción depende del rol, del tipo de flujo y de la configuración de la cuenta.",[3440],{"cta":3441,"_uid":3442,"title":3443,"eyebrow":3449,"subtitle":3454,"component":160,"textAlign":90,"flexibleSection":3459,"sectionSettings":3460,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9f247b15-3416-4baf-bc10-1d490f792d0a",{"type":107,"content":3444},[3445],{"type":160,"attrs":3446,"content":3447},{"level":162,"textAlign":25},[3448],{"text":811,"type":116},{"type":107,"content":3450},[3451],{"type":110,"attrs":3452,"content":3453},{"textAlign":25},[],{"type":107,"content":3455},[3456],{"type":110,"attrs":3457,"content":3458},{"textAlign":25},[],[],[],"procesamiento-automatico-de-facturas","es/blog/procesamiento-automatico-de-facturas",-2390,[],"2fa47892-abc2-4515-9da9-0b3565610d68","2026-08-12T08:28:02.154Z",[],"blog/procesamiento-automatico-de-facturas",[3470,3471,3472],{"path":3468,"name":25,"lang":37,"published":25},{"path":3468,"name":25,"lang":39,"published":25},{"path":3468,"name":25,"lang":32,"published":25},{"name":3474,"created_at":3475,"published_at":3476,"updated_at":3477,"id":3478,"uuid":3479,"content":3480,"slug":3590,"full_slug":3591,"sort_by_date":25,"position":3592,"tag_list":3593,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3594,"first_published_at":3595,"release_id":25,"lang":32,"path":25,"alternates":3596,"default_full_slug":3597,"translated_slugs":3598},"Modelo 210 para no residentes: retenciones a proveedores extranjeros","2026-08-10T14:39:56.814Z","2026-08-26T16:05:59.085Z","2026-08-26T16:05:59.111Z",207598374214948,"22072bc8-cc25-4dca-8bab-b05a188bc69b",{"_uid":3481,"title":3474,"topics":3482,"noIndex":28,"category":3499,"language":3508,"component":726,"heroMedia":3509,"metaTitle":3510,"publishedAt":90,"readingTime":2621,"redirectUrl":90,"listingImage":3511,"metaDescription":3512,"bottomArticleCta":3513,"componentsAfterTheArticle":3514},"fb132bc0-b937-4285-98a0-8ac515a7e04c",[3483,3491],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3484,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3485,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3486,"default_full_slug":147,"translated_slugs":3487,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3488,3489,3490],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":3227,"created_at":3228,"published_at":16,"updated_at":3229,"id":3230,"uuid":3231,"content":3492,"slug":3233,"full_slug":3234,"sort_by_date":25,"position":141,"tag_list":3493,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3236,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3494,"default_full_slug":3238,"translated_slugs":3495,"_stopResolving":41},{"_uid":138,"name":3227,"component":22},[],[],[3496,3497,3498],{"path":3238,"name":25,"lang":37,"published":25},{"path":3238,"name":25,"lang":39,"published":25},{"path":3238,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3500,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3502,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3503,"default_full_slug":733,"translated_slugs":3504,"_stopResolving":41},{"_uid":720,"icon":3501,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3505,3506,3507],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Modelo 210 para no residentes: retenciones a proveedores ext",[],"Guía del modelo 210 no residentes para empresas: cuándo retener el IRNR a proveedores extranjeros, qué tipo aplicar y cómo presentar el Modelo 216.",[],[3515],{"_uid":3516,"items":3517,"heading":3568,"component":824},"c53d5623-504b-4343-920d-020f075166c2",[3518,3528,3538,3548,3558],{"_uid":3519,"title":3520,"component":753,"description":3521},"b7a6c1d9-667f-4290-90e9-8eac1209f9c9","¿Qué documentos necesita una empresa para retener e ingresar el IRNR a un proveedor no residente?",{"type":107,"content":3522},[3523],{"type":110,"attrs":3524,"content":3525},{"textAlign":25},[3526],{"text":3527,"type":116},"Reúne el contrato o pedido, la factura del proveedor, el certificado de residencia fiscal, la documentación del CDI aplicable, el cálculo de la retención y el justificante del ingreso. Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3529,"title":3530,"component":753,"description":3531},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":107,"content":3532},[3533],{"type":110,"attrs":3534,"content":3535},{"textAlign":25},[3536],{"text":3537,"type":116},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":3539,"title":3540,"component":753,"description":3541},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":107,"content":3542},[3543],{"type":110,"attrs":3544,"content":3545},{"textAlign":25},[3546],{"text":3547,"type":116},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":3549,"title":3550,"component":753,"description":3551},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":107,"content":3552},[3553],{"type":110,"attrs":3554,"content":3555},{"textAlign":25},[3556],{"text":3557,"type":116},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":3559,"title":3560,"component":753,"description":3561},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":107,"content":3562},[3563],{"type":110,"attrs":3564,"content":3565},{"textAlign":25},[3566],{"text":3567,"type":116},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega.",[3569],{"cta":3570,"_uid":3571,"title":3572,"eyebrow":3578,"subtitle":3583,"component":160,"textAlign":90,"flexibleSection":3588,"sectionSettings":3589,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":107,"content":3573},[3574],{"type":160,"attrs":3575,"content":3576},{"level":162,"textAlign":25},[3577],{"text":811,"type":116},{"type":107,"content":3579},[3580],{"type":110,"attrs":3581,"content":3582},{"textAlign":25},[],{"type":107,"content":3584},[3585],{"type":110,"attrs":3586,"content":3587},{"textAlign":25},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2370,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[3599,3600,3601],{"path":3597,"name":25,"lang":37,"published":25},{"path":3597,"name":25,"lang":39,"published":25},{"path":3597,"name":25,"lang":32,"published":25},{"name":3603,"created_at":3604,"published_at":3605,"updated_at":3606,"id":3607,"uuid":3608,"content":3609,"slug":3761,"full_slug":3762,"sort_by_date":25,"position":3763,"tag_list":3764,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3765,"first_published_at":3766,"release_id":25,"lang":32,"path":25,"alternates":3767,"default_full_slug":3768,"translated_slugs":3769},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-26T16:05:57.920Z","2026-08-26T16:05:57.943Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3610,"title":3603,"topics":3611,"noIndex":28,"category":3628,"language":3637,"component":726,"heroMedia":3638,"metaTitle":3639,"publishedAt":90,"readingTime":3640,"redirectUrl":90,"listingImage":3641,"metaDescription":3642,"bottomArticleCta":3643,"componentsAfterTheArticle":3644},"0d225812-4d55-44c2-b89f-006658f0f075",[3612,3620],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3613,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3614,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3615,"default_full_slug":147,"translated_slugs":3616,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3617,3618,3619],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":3227,"created_at":3228,"published_at":16,"updated_at":3229,"id":3230,"uuid":3231,"content":3621,"slug":3233,"full_slug":3234,"sort_by_date":25,"position":141,"tag_list":3622,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3236,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3623,"default_full_slug":3238,"translated_slugs":3624,"_stopResolving":41},{"_uid":138,"name":3227,"component":22},[],[],[3625,3626,3627],{"path":3238,"name":25,"lang":37,"published":25},{"path":3238,"name":25,"lang":39,"published":25},{"path":3238,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3629,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3631,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3632,"default_full_slug":733,"translated_slugs":3633,"_stopResolving":41},{"_uid":720,"icon":3630,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3634,3635,3636],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f","11",[],"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[3645],{"_uid":3646,"items":3647,"heading":3739,"component":824},"3a0a0e64-8720-4af2-91c3-673414935f4a",[3648,3681,3699,3709,3719,3729],{"_uid":3649,"title":3650,"component":753,"description":3651},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":107,"content":3652},[3653],{"type":110,"attrs":3654,"content":3655},{"textAlign":25},[3656,3658,3664,3666,3672,3674,3680],{"text":3657,"type":116},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3659,"type":116,"marks":3660}," Modelo 190 es su resumen anual informativo",[3661],{"type":188,"attrs":3662},{"href":3663,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3665,"type":116},". Las retenciones de alquileres se declaran mediante el",{"text":3667,"type":116,"marks":3668}," Modelo 115",[3669],{"type":188,"attrs":3670},{"href":3671,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3673,"type":116}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3675,"type":116,"marks":3676}," Modelo 130",[3677],{"type":188,"attrs":3678},{"href":3679,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":1968,"type":116},{"_uid":3682,"title":3683,"component":753,"description":3684},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":107,"content":3685},[3686],{"type":110,"attrs":3687,"content":3688},{"textAlign":25},[3689,3691,3697],{"text":3690,"type":116},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":3692,"type":116,"marks":3693}," Modelo 111, en casillas separadas",[3694],{"type":188,"attrs":3695},{"href":3696,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3698,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":3700,"title":3701,"component":753,"description":3702},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":107,"content":3703},[3704],{"type":110,"attrs":3705,"content":3706},{"textAlign":25},[3707],{"text":3708,"type":116},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":3710,"title":3711,"component":753,"description":3712},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":107,"content":3713},[3714],{"type":110,"attrs":3715,"content":3716},{"textAlign":25},[3717],{"text":3718,"type":116},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":3720,"title":3721,"component":753,"description":3722},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":3723},[3724],{"type":110,"attrs":3725,"content":3726},{"textAlign":25},[3727],{"text":3728,"type":116},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":3730,"title":3731,"component":753,"description":3732},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":3733},[3734],{"type":110,"attrs":3735,"content":3736},{"textAlign":25},[3737],{"text":3738,"type":116},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad.",[3740],{"cta":3741,"_uid":3742,"title":3743,"eyebrow":3749,"subtitle":3754,"component":160,"textAlign":90,"flexibleSection":3759,"sectionSettings":3760,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":107,"content":3744},[3745],{"type":160,"attrs":3746,"content":3747},{"level":162,"textAlign":25},[3748],{"text":811,"type":116},{"type":107,"content":3750},[3751],{"type":110,"attrs":3752,"content":3753},{"textAlign":25},[],{"type":107,"content":3755},[3756],{"type":110,"attrs":3757,"content":3758},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2360,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[3770,3771,3772],{"path":3768,"name":25,"lang":37,"published":25},{"path":3768,"name":25,"lang":39,"published":25},{"path":3768,"name":25,"lang":32,"published":25},{"name":3774,"created_at":3775,"published_at":3776,"updated_at":3777,"id":3778,"uuid":3779,"content":3780,"slug":3899,"full_slug":3900,"sort_by_date":25,"position":3901,"tag_list":3902,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":3903,"first_published_at":3904,"release_id":25,"lang":32,"path":25,"alternates":3905,"default_full_slug":3906,"translated_slugs":3907},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-27T09:08:57.995Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":3781,"title":3774,"topics":3782,"noIndex":28,"category":3791,"language":3800,"component":726,"heroMedia":3801,"metaTitle":3802,"publishedAt":90,"readingTime":3640,"redirectUrl":90,"listingImage":3803,"metaDescription":3811,"bottomArticleCta":3812,"componentsAfterTheArticle":3813},"76408526-eb7e-480d-9298-165ef7536a41",[3783],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3784,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3785,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3786,"default_full_slug":147,"translated_slugs":3787,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3788,3789,3790],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3792,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3794,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3795,"default_full_slug":733,"translated_slugs":3796,"_stopResolving":41},{"_uid":720,"icon":3793,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3797,3798,3799],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[3804],{"_uid":3805,"asset":3806,"caption":90,"component":3810},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":3807,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3808,"copyright":90,"fieldtype":95,"meta_data":3809,"is_external_url":28},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"image","El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[3814],{"_uid":3815,"items":3816,"heading":3877,"component":824},"6221f5fe-5233-4732-a676-7ada5b311e94",[3817,3827,3837,3847,3857,3867],{"_uid":3818,"title":3819,"component":753,"description":3820},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":107,"content":3821},[3822],{"type":110,"attrs":3823,"content":3824},{"textAlign":25},[3825],{"text":3826,"type":116},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":3828,"title":3829,"component":753,"description":3830},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":107,"content":3831},[3832],{"type":110,"attrs":3833,"content":3834},{"textAlign":25},[3835],{"text":3836,"type":116},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":3838,"title":3839,"component":753,"description":3840},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":3841},[3842],{"type":110,"attrs":3843,"content":3844},{"textAlign":25},[3845],{"text":3846,"type":116},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":3848,"title":3849,"component":753,"description":3850},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":3851},[3852],{"type":110,"attrs":3853,"content":3854},{"textAlign":25},[3855],{"text":3856,"type":116},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. Además, el incumplimiento puede desencadenar una inspección tributaria.",{"_uid":3858,"title":3859,"component":753,"description":3860},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":107,"content":3861},[3862],{"type":110,"attrs":3863,"content":3864},{"textAlign":25},[3865],{"text":3866,"type":116},"VeriFactu afecta a todos los obligados tributarios en territorio común, desde el autónomo con 1 empleado hasta la gran empresa. No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":3868,"title":3869,"component":753,"description":3870},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":107,"content":3871},[3872],{"type":110,"attrs":3873,"content":3874},{"textAlign":25},[3875],{"text":3876,"type":116},"VeriFactu es el sistema de facturación verificable de la AEAT que obliga a todo software de facturación a generar un hash SHA-256 encadenado, un código QR y un registro inalterable por cada factura emitida. Su objetivo es impedir la manipulación de registros de facturación y reforzar el control del fraude fiscal. Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[3878],{"cta":3879,"_uid":3880,"title":3881,"eyebrow":3887,"subtitle":3892,"component":160,"textAlign":90,"flexibleSection":3897,"sectionSettings":3898,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":3882},[3883],{"type":160,"attrs":3884,"content":3885},{"level":162,"textAlign":25},[3886],{"text":811,"type":116},{"type":107,"content":3888},[3889],{"type":110,"attrs":3890,"content":3891},{"textAlign":25},[],{"type":107,"content":3893},[3894],{"type":110,"attrs":3895,"content":3896},{"textAlign":25},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2150,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[3908,3909,3910],{"path":3906,"name":25,"lang":37,"published":25},{"path":3906,"name":25,"lang":39,"published":25},{"path":3906,"name":25,"lang":32,"published":25},{"name":3912,"created_at":3913,"published_at":3914,"updated_at":3915,"id":3916,"uuid":3917,"content":3918,"slug":4038,"full_slug":4039,"sort_by_date":25,"position":4040,"tag_list":4041,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":4042,"first_published_at":4043,"release_id":25,"lang":32,"path":25,"alternates":4044,"default_full_slug":4045,"translated_slugs":4046},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-15T12:57:19.864Z","2026-07-15T12:57:19.885Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":3919,"title":3912,"topics":3920,"noIndex":28,"category":3929,"language":3938,"component":726,"heroMedia":3939,"metaTitle":3940,"publishedAt":3941,"readingTime":3942,"redirectUrl":90,"listingImage":3943,"metaDescription":3950,"bottomArticleCta":3951,"componentsAfterTheArticle":3952},"0d77ded5-886f-419e-9cda-bce11bcf3406",[3921],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3922,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3923,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3924,"default_full_slug":147,"translated_slugs":3925,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3926,3927,3928],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":3930,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":3932,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":3933,"default_full_slug":733,"translated_slugs":3934,"_stopResolving":41},{"_uid":720,"icon":3931,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3935,3936,3937],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[3944],{"_uid":3945,"asset":3946,"caption":90,"component":3810},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":3947,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3948,"copyright":90,"fieldtype":95,"meta_data":3949,"is_external_url":28},198318535055133,"https://a.storyblok.com/f/146026/2752x1536/f0a0b021fd/spendesk_blog_cover_morosidad_facturacion.jpg",{},"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[3953],{"_uid":3954,"items":3955,"heading":4016,"component":824},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[3956,3966,3976,3986,3996,4006],{"_uid":3957,"title":3958,"component":753,"description":3959},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":3960},[3961],{"type":110,"attrs":3962,"content":3963},{"textAlign":25},[3964],{"text":3965,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":3967,"title":3968,"component":753,"description":3969},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":3970},[3971],{"type":110,"attrs":3972,"content":3973},{"textAlign":25},[3974],{"text":3975,"type":116},"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":3977,"title":3978,"component":753,"description":3979},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":107,"content":3980},[3981],{"type":110,"attrs":3982,"content":3983},{"textAlign":25},[3984],{"text":3985,"type":116},"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":3987,"title":3988,"component":753,"description":3989},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":3990},[3991],{"type":110,"attrs":3992,"content":3993},{"textAlign":25},[3994],{"text":3995,"type":116},"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":3997,"title":3998,"component":753,"description":3999},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":4000},[4001],{"type":110,"attrs":4002,"content":4003},{"textAlign":25},[4004],{"text":4005,"type":116},"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":4007,"title":4008,"component":753,"description":4009},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":4010},[4011],{"type":110,"attrs":4012,"content":4013},{"textAlign":25},[4014],{"text":4015,"type":116},"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.",[4017],{"cta":4018,"_uid":4019,"title":4020,"eyebrow":4026,"subtitle":4031,"component":160,"textAlign":90,"flexibleSection":4036,"sectionSettings":4037,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":4021},[4022],{"type":160,"attrs":4023,"content":4024},{"level":162,"textAlign":25},[4025],{"text":811,"type":116},{"type":107,"content":4027},[4028],{"type":110,"attrs":4029,"content":4030},{"textAlign":25},[],{"type":107,"content":4032},[4033],{"type":110,"attrs":4034,"content":4035},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2130,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[4047,4048,4049],{"path":4045,"name":25,"lang":37,"published":25},{"path":4045,"name":25,"lang":39,"published":25},{"path":4045,"name":25,"lang":32,"published":25},{"name":4051,"created_at":4052,"published_at":4053,"updated_at":4054,"id":4055,"uuid":4056,"content":4057,"slug":4166,"full_slug":4167,"sort_by_date":25,"position":4168,"tag_list":4169,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":4170,"first_published_at":4171,"release_id":25,"lang":32,"path":25,"alternates":4172,"default_full_slug":4173,"translated_slugs":4174},"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":4058,"title":4051,"topics":4059,"noIndex":28,"category":4068,"language":4077,"component":726,"heroMedia":4078,"metaTitle":4079,"publishedAt":4080,"readingTime":3942,"redirectUrl":90,"listingImage":4081,"metaDescription":4088,"bottomArticleCta":4089,"componentsAfterTheArticle":4090},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[4060],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4061,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4062,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4063,"default_full_slug":147,"translated_slugs":4064,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4065,4066,4067],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":4069,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":4071,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":4072,"default_full_slug":733,"translated_slugs":4073,"_stopResolving":41},{"_uid":720,"icon":4070,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4074,4075,4076],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[4082],{"_uid":4083,"asset":4084,"caption":90,"component":3810},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":4085,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4086,"copyright":90,"fieldtype":95,"meta_data":4087,"is_external_url":28},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",[],[4091],{"_uid":4092,"items":4093,"heading":4144,"component":824},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[4094,4104,4114,4124,4134],{"_uid":4095,"title":4096,"component":753,"description":4097},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":107,"content":4098},[4099],{"type":110,"attrs":4100,"content":4101},{"textAlign":25},[4102],{"text":4103,"type":116},"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":4105,"title":4106,"component":753,"description":4107},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":4108},[4109],{"type":110,"attrs":4110,"content":4111},{"textAlign":25},[4112],{"text":4113,"type":116},"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":4115,"title":4116,"component":753,"description":4117},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":4118},[4119],{"type":110,"attrs":4120,"content":4121},{"textAlign":25},[4122],{"text":4123,"type":116},"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":4125,"title":4126,"component":753,"description":4127},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":4128},[4129],{"type":110,"attrs":4130,"content":4131},{"textAlign":25},[4132],{"text":4133,"type":116},"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":4135,"title":4136,"component":753,"description":4137},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":4138},[4139],{"type":110,"attrs":4140,"content":4141},{"textAlign":25},[4142],{"text":4143,"type":116},"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.",[4145],{"cta":4146,"_uid":4147,"title":4148,"eyebrow":4154,"subtitle":4159,"component":160,"textAlign":90,"flexibleSection":4164,"sectionSettings":4165,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":4149},[4150],{"type":160,"attrs":4151,"content":4152},{"level":162,"textAlign":25},[4153],{"text":811,"type":116},{"type":107,"content":4155},[4156],{"type":110,"attrs":4157,"content":4158},{"textAlign":25},[],{"type":107,"content":4160},[4161],{"type":110,"attrs":4162,"content":4163},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2120,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[4175,4176,4177],{"path":4173,"name":25,"lang":37,"published":25},{"path":4173,"name":25,"lang":39,"published":25},{"path":4173,"name":25,"lang":32,"published":25},{"name":4179,"created_at":4180,"published_at":4181,"updated_at":4182,"id":4183,"uuid":4184,"content":4185,"slug":4294,"full_slug":4295,"sort_by_date":25,"position":4296,"tag_list":4297,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":4298,"first_published_at":4299,"release_id":25,"lang":32,"path":25,"alternates":4300,"default_full_slug":4301,"translated_slugs":4302},"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":4186,"title":4179,"topics":4187,"noIndex":28,"category":4196,"language":4205,"component":726,"heroMedia":4206,"metaTitle":4207,"publishedAt":4208,"readingTime":2760,"redirectUrl":90,"listingImage":4209,"metaDescription":4216,"bottomArticleCta":4217,"componentsAfterTheArticle":4218},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[4188],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4189,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4190,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4191,"default_full_slug":147,"translated_slugs":4192,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4193,4194,4195],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":4197,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":4199,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":4200,"default_full_slug":733,"translated_slugs":4201,"_stopResolving":41},{"_uid":720,"icon":4198,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4202,4203,4204],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[4210],{"_uid":4211,"asset":4212,"caption":90,"component":3810},"71b7f715-948b-4a24-8379-000055d9922b",{"id":4213,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4214,"copyright":90,"fieldtype":95,"meta_data":4215,"is_external_url":28},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",[],[4219],{"_uid":4220,"items":4221,"heading":4272,"component":824},"392b2cba-2459-4fae-9ca3-82a370a248fc",[4222,4232,4242,4252,4262],{"_uid":4223,"title":4224,"component":753,"description":4225},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":4226},[4227],{"type":110,"attrs":4228,"content":4229},{"textAlign":25},[4230],{"text":4231,"type":116},"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":4233,"title":4234,"component":753,"description":4235},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":4236},[4237],{"type":110,"attrs":4238,"content":4239},{"textAlign":25},[4240],{"text":4241,"type":116},"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":4243,"title":4244,"component":753,"description":4245},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":4246},[4247],{"type":110,"attrs":4248,"content":4249},{"textAlign":25},[4250],{"text":4251,"type":116},"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":4253,"title":4254,"component":753,"description":4255},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":4256},[4257],{"type":110,"attrs":4258,"content":4259},{"textAlign":25},[4260],{"text":4261,"type":116},"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":4263,"title":4264,"component":753,"description":4265},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":4266},[4267],{"type":110,"attrs":4268,"content":4269},{"textAlign":25},[4270],{"text":4271,"type":116},"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.",[4273],{"cta":4274,"_uid":4275,"title":4276,"eyebrow":4282,"subtitle":4287,"component":160,"textAlign":90,"flexibleSection":4292,"sectionSettings":4293,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":4277},[4278],{"type":160,"attrs":4279,"content":4280},{"level":162,"textAlign":25},[4281],{"text":811,"type":116},{"type":107,"content":4283},[4284],{"type":110,"attrs":4285,"content":4286},{"textAlign":25},[],{"type":107,"content":4288},[4289],{"type":110,"attrs":4290,"content":4291},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2110,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[4303,4304,4305],{"path":4301,"name":25,"lang":37,"published":25},{"path":4301,"name":25,"lang":39,"published":25},{"path":4301,"name":25,"lang":32,"published":25},{"name":4307,"created_at":4308,"published_at":4309,"updated_at":4310,"id":4311,"uuid":4312,"content":4313,"slug":4432,"full_slug":4433,"sort_by_date":25,"position":4434,"tag_list":4435,"is_startpage":28,"parent_id":829,"meta_data":25,"group_id":4436,"first_published_at":4437,"release_id":25,"lang":32,"path":25,"alternates":4438,"default_full_slug":4439,"translated_slugs":4440},"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":4314,"title":4307,"topics":4315,"noIndex":28,"category":4324,"language":4333,"component":726,"heroMedia":4334,"metaTitle":4335,"publishedAt":4336,"readingTime":2621,"redirectUrl":90,"listingImage":4337,"metaDescription":4344,"bottomArticleCta":4345,"componentsAfterTheArticle":4346},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[4316],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4317,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4318,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4319,"default_full_slug":147,"translated_slugs":4320,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4321,4322,4323],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":4325,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":4327,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":4328,"default_full_slug":733,"translated_slugs":4329,"_stopResolving":41},{"_uid":720,"icon":4326,"name":714,"component":725},{"id":722,"alt":723,"name":90,"focus":90,"title":90,"filename":724,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4330,4331,4332],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[4338],{"_uid":4339,"asset":4340,"caption":90,"component":3810},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":4341,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4342,"copyright":90,"fieldtype":95,"meta_data":4343,"is_external_url":28},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",[],[4347],{"_uid":4348,"items":4349,"heading":4410,"component":824},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[4350,4360,4370,4380,4390,4400],{"_uid":4351,"title":4352,"component":753,"description":4353},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":4354},[4355],{"type":110,"attrs":4356,"content":4357},{"textAlign":25},[4358],{"text":4359,"type":116},"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":4361,"title":4362,"component":753,"description":4363},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":4364},[4365],{"type":110,"attrs":4366,"content":4367},{"textAlign":25},[4368],{"text":4369,"type":116},"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":4371,"title":4372,"component":753,"description":4373},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":4374},[4375],{"type":110,"attrs":4376,"content":4377},{"textAlign":25},[4378],{"text":4379,"type":116},"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":4381,"title":4382,"component":753,"description":4383},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":4384},[4385],{"type":110,"attrs":4386,"content":4387},{"textAlign":25},[4388],{"text":4389,"type":116},"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":4391,"title":4392,"component":753,"description":4393},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":4394},[4395],{"type":110,"attrs":4396,"content":4397},{"textAlign":25},[4398],{"text":4399,"type":116},"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":4401,"title":4402,"component":753,"description":4403},"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":107,"content":4404},[4405],{"type":110,"attrs":4406,"content":4407},{"textAlign":25},[4408],{"text":4409,"type":116},"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.",[4411],{"cta":4412,"_uid":4413,"title":4414,"eyebrow":4420,"subtitle":4425,"component":160,"textAlign":90,"flexibleSection":4430,"sectionSettings":4431,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":4415},[4416],{"type":160,"attrs":4417,"content":4418},{"level":162,"textAlign":25},[4419],{"text":811,"type":116},{"type":107,"content":4421},[4422],{"type":110,"attrs":4423,"content":4424},{"textAlign":25},[],{"type":107,"content":4426},[4427],{"type":110,"attrs":4428,"content":4429},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2090,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9","2026-07-01T14:07:18.315Z",[],"blog/pagos-sepa-espana-2026",[4441,4442,4443],{"path":4439,"name":25,"lang":37,"published":25},{"path":4439,"name":25,"lang":39,"published":25},{"path":4439,"name":25,"lang":32,"published":25},[4445,4446,4447,4448],["Reactive",3911],["Reactive",2461],["Reactive",3208],["Reactive",3602],1787764593588]