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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},[154,159,165,174,180,186,192,200,206,306,312,320,336,350,356,362,370,376,382,388,394,402,408,414,420,434,442,448,454,476,482,490,496,563,569,575,583,589,595,601,607,615,621,627,685,691,699,705,863,869,875],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"La semana antes del cierre de mes suele concentrar una parte importante del trabajo del equipo financiero. Hay que revisar las facturas aprobadas, comprobar los vencimientos y decidir cuándo ordenar cada pago sin comprometer la tesorería. Una remesa bancaria ayuda a organizar este proceso, ya que permite agrupar varias órdenes de pago, programarlas y mantener un historial de las decisiones y aprobaciones.",{"type":110,"attrs":160,"content":162},{"textAlign":25,"key":161},"p-1",[163],{"text":164,"type":116},"El término «remesa bancaria» puede referirse tanto a pagos como a cobros. En este artículo lo utilizamos para hablar de una remesa de pagos, es decir, un conjunto de pagos agrupados para su posterior envío o ejecución. Veremos qué es una remesa bancaria, cómo prepararla y validarla, qué papel desempeña en el ciclo _de la compra al pago_ (procure-to-pay) y cómo puede ayudar Spendesk a conectar las solicitudes, las aprobaciones, las facturas y los pagos.",{"type":110,"attrs":166,"content":168},{"textAlign":25,"key":167},"p-2",[169],{"text":170,"type":116,"marks":171},"¿Qué es una remesa bancaria?",[172],{"type":173},"bold",{"type":110,"attrs":175,"content":177},{"textAlign":25,"key":176},"p-3",[178],{"text":179,"type":116},"Una remesa bancaria es un conjunto de órdenes de pago que se preparan para una fecha determinada. En lugar de gestionar cada pago por separado a medida que se aprueban las facturas, el equipo financiero puede reunir varias operaciones, revisar la información y programar su ejecución.",{"type":110,"attrs":181,"content":183},{"textAlign":25,"key":182},"p-4",[184],{"text":185,"type":116},"Una remesa puede incluir los datos del ordenante, los beneficiarios, las cuentas bancarias, los importes, las fechas y los conceptos de cada operación. Cuando se utiliza un fichero XML SEPA, el formato y los campos deben ajustarse a los requisitos del banco o proveedor de servicios de pago correspondiente.",{"type":110,"attrs":187,"content":189},{"textAlign":25,"key":188},"p-5",[190],{"text":191,"type":116},"En una remesa bancaria, cada factura puede mantener su propia operación y su propio importe. Agrupar varias facturas para una misma fecha no significa necesariamente que todas se conviertan en una única transferencia. La forma de procesar las operaciones depende del banco, del método de pago y de la configuración utilizada.",{"type":110,"attrs":193,"content":195},{"textAlign":25,"key":194},"p-6",[196],{"text":197,"type":116,"marks":198},"¿Cómo hacer una remesa bancaria?",[199],{"type":173},{"type":110,"attrs":201,"content":203},{"textAlign":25,"key":202},"p-7",[204],{"text":205,"type":116},"Hacer una remesa bancaria requiere coordinar la revisión de las facturas, las autorizaciones internas, la tesorería y el envío de las operaciones. Un proceso habitual incluye los siguientes pasos:",{"type":207,"content":208},"ordered_list",[209,222,234,246,258,270,282,294],{"type":210,"content":211},"list_item",[212],{"type":110,"attrs":213,"content":215},{"textAlign":25,"key":214},"p-8",[216,220],{"text":217,"type":116,"marks":218},"Reunir las facturas aprobadas.",[219],{"type":173},{"text":221,"type":116}," Deben haber pasado los controles internos y corresponder a bienes o servicios recibidos.",{"type":210,"content":223},[224],{"type":110,"attrs":225,"content":227},{"textAlign":25,"key":226},"p-9",[228,232],{"text":229,"type":116,"marks":230},"Revisar los datos de pago.",[231],{"type":173},{"text":233,"type":116}," Es necesario verificar el nombre del beneficiario, el IBAN, el BIC cuando corresponda, el importe, la fecha prevista y el concepto.",{"type":210,"content":235},[236],{"type":110,"attrs":237,"content":239},{"textAlign":25,"key":238},"p-10",[240,244],{"text":241,"type":116,"marks":242},"Comprobar las autorizaciones.",[243],{"type":173},{"text":245,"type":116}," La remesa debe respetar los límites y los flujos de aprobación definidos por la empresa.",{"type":210,"content":247},[248],{"type":110,"attrs":249,"content":251},{"textAlign":25,"key":250},"p-11",[252,256],{"text":253,"type":116,"marks":254},"Revisar la tesorería.",[255],{"type":173},{"text":257,"type":116}," Hay que comprobar que el saldo disponible sea suficiente y que la fecha elegida sea compatible con otros compromisos financieros.",{"type":210,"content":259},[260],{"type":110,"attrs":261,"content":263},{"textAlign":25,"key":262},"p-12",[264,268],{"text":265,"type":116,"marks":266},"Preparar el fichero SEPA.",[267],{"type":173},{"text":269,"type":116}," Cuando corresponda, se genera un fichero XML SEPA con las operaciones seleccionadas. Algunas entidades también permiten trabajar con archivos CSV para realizar transferencias manuales.",{"type":210,"content":271},[272],{"type":110,"attrs":273,"content":275},{"textAlign":25,"key":274},"p-13",[276,280],{"text":277,"type":116,"marks":278},"Validar un fichero SEPA.",[279],{"type":173},{"text":281,"type":116}," Los datos obligatorios deben estar completos y sin duplicidades, cuentas incorrectas o importes que no coincidan con las facturas aprobadas. La validación final y la aceptación del fichero dependen del banco o proveedor de servicios de pago.",{"type":210,"content":283},[284],{"type":110,"attrs":285,"content":287},{"textAlign":25,"key":286},"p-14",[288,292],{"text":289,"type":116,"marks":290},"Enviar o ejecutar los pagos.",[291],{"type":173},{"text":293,"type":116}," El fichero puede cargarse en el entorno bancario de la empresa, o el pago puede realizarse mediante el método configurado.",{"type":210,"content":295},[296],{"type":110,"attrs":297,"content":299},{"textAlign":25,"key":298},"p-15",[300,304],{"text":301,"type":116,"marks":302},"Comprobar el resultado y conciliar.",[303],{"type":173},{"text":305,"type":116}," El estado de las operaciones debe revisarse y conciliarse con la información bancaria y contable disponible.",{"type":110,"attrs":307,"content":309},{"textAlign":25,"key":308},"p-16",[310],{"text":311,"type":116},"Spendesk puede ayudar a organizar varias de estas etapas. La plataforma permite gestionar solicitudes de compra, aprobaciones, facturas de proveedores y pagos desde un flujo conectado. En función de la configuración, también permite seleccionar varias facturas, programar su pago para una misma fecha y exportar un fichero XML SEPA para que la empresa lo cargue en su propio banco.",{"type":110,"attrs":313,"content":315},{"textAlign":25,"key":314},"p-17",[316],{"text":317,"type":116,"marks":318},"El circuito _de la compra al pago_ conecta compras, aprobación y pago",[319],{"type":173},{"type":110,"attrs":321,"content":323},{"textAlign":25,"key":322},"p-18",[324,326,334],{"text":325,"type":116},"Una remesa bancaria funciona mejor cuando forma parte de un proceso más amplio de gestión del gasto, conocido como",{"text":327,"type":116,"marks":328}," procure-to-pay (P2P)",[329],{"type":330,"attrs":331},"link",{"href":332,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://www.spendesk.com/es/blog/proceso-de-adquisicion-a-pago/","_blank",{"text":335,"type":116}," o _de la compra al pago_. Este circuito conecta la solicitud de compra, la aprobación presupuestaria, la orden de compra, la recepción del bien o servicio, la revisión de la factura y el pago.",{"type":110,"attrs":337,"content":339},{"textAlign":25,"key":338},"p-19",[340,342,348],{"text":341,"type":116},"Cuando una persona solicita una compra, la empresa puede comprobar primero si existe presupuesto y si el gasto necesita una aprobación específica. Una vez aprobada la solicitud, puede generarse una",{"text":343,"type":116,"marks":344}," orden de compra",[345],{"type":330,"attrs":346},{"href":347,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://www.spendesk.com/es/blog/orden-de-compra/",{"text":349,"type":116},". Cuando llega la factura, el equipo financiero puede compararla con la solicitud y la documentación de la compra antes de incluirla en una remesa bancaria.",{"type":110,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-20",[354],{"text":355,"type":116},"Spendesk permite conectar las solicitudes de compra con las órdenes de compra, las facturas y los flujos de aprobación, según el plan y la configuración contratada. Este enfoque ayuda a que la remesa se base en facturas revisadas y autorizadas, en lugar de reunir operaciones sin comprobar previamente su origen.",{"type":110,"attrs":357,"content":359},{"textAlign":25,"key":358},"p-21",[360],{"text":361,"type":116},"La plataforma también permite consultar la información asociada a las solicitudes, los documentos, los comentarios, las aprobaciones y el estado del proceso. De este modo, el equipo financiero puede mantener una trazabilidad más clara de las decisiones que preceden al pago.",{"type":110,"attrs":363,"content":365},{"textAlign":25,"key":364},"p-22",[366],{"text":367,"type":116,"marks":368},"La gestión de una remesa bancaria separa quién aprueba y quién ejecuta",[369],{"type":173},{"type":110,"attrs":371,"content":373},{"textAlign":25,"key":372},"p-23",[374],{"text":375,"type":116},"La segregación de funciones es un principio habitual de control interno. En la práctica, significa que la persona que solicita o aprueba un gasto no tiene por qué ser la misma que autoriza o ejecuta el pago.",{"type":110,"attrs":377,"content":379},{"textAlign":25,"key":378},"p-24",[380],{"text":381,"type":116},"Los flujos de aprobación pueden configurarse según distintos criterios, como el importe, la categoría, el centro de coste o el tipo de gasto. También pueden establecerse varios niveles de revisión cuando la política interna de la empresa lo requiera.",{"type":110,"attrs":383,"content":385},{"textAlign":25,"key":384},"p-25",[386],{"text":387,"type":116},"Spendesk permite configurar flujos de aprobación y asignar responsabilidades en función de la estructura de la empresa. La plataforma puede conservar información sobre las solicitudes, los responsables, los comentarios y las aprobaciones del proceso configurado. La disponibilidad de cada opción depende de los permisos, el plan y la configuración de la cuenta.",{"type":110,"attrs":389,"content":391},{"textAlign":25,"key":390},"p-26",[392],{"text":393,"type":116},"Los límites de autorización deben adaptarse a las políticas de cada empresa. Una organización puede aplicar un flujo sencillo a los gastos de menor importe y exigir una revisión adicional para las operaciones más relevantes. Definir estos criterios con antelación ayuda a reducir la improvisación y a mantener un control coherente.",{"type":110,"attrs":395,"content":397},{"textAlign":25,"key":396},"p-27",[398],{"text":399,"type":116,"marks":400},"Programar la remesa bancaria antes del cierre mantiene la caja bajo control",[401],{"type":173},{"type":110,"attrs":403,"content":405},{"textAlign":25,"key":404},"p-28",[406],{"text":407,"type":116},"La fecha de ejecución es tan importante como el contenido de la remesa. Programar pagos sin visibilidad sobre la tesorería puede dificultar la planificación de otros compromisos financieros. Por eso, muchos equipos establecen una cadencia de revisión y comprueban el saldo disponible antes de autorizar una remesa.",{"type":110,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-29",[412],{"text":413,"type":116},"También conviene distinguir entre el presupuesto disponible, el presupuesto comprometido y el gasto ya utilizado. Una solicitud aprobada puede comprometer parte del presupuesto antes de que el pago se haya realizado. Contar con esta información ayuda a valorar el impacto de una nueva factura o solicitud antes de aprobarla.",{"type":110,"attrs":415,"content":417},{"textAlign":25,"key":416},"p-30",[418],{"text":419,"type":116},"Spendesk permite consultar el impacto de determinadas solicitudes sobre el presupuesto y diferenciar entre el importe comprometido, el utilizado y el disponible. También permite programar pagos de facturas para una fecha futura, según el método de pago y la configuración de la cuenta. Estas funciones pueden facilitar la planificación, pero no sustituyen el control de tesorería ni garantizan que existan fondos suficientes.",{"type":110,"attrs":421,"content":423},{"textAlign":25,"key":422},"p-31",[424,426,432],{"text":425,"type":116},"El",{"text":427,"type":116,"marks":428}," periodo medio de pago a proveedores",[429],{"type":330,"attrs":430},{"href":431,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://www.spendesk.com/es/blog/calculo-periodo-medio-pago-proveedores/",{"text":433,"type":116}," puede servir como una referencia adicional para analizar la gestión de los vencimientos y la relación entre pagos, tesorería y proveedores. Su cálculo y alcance dependen de la información y de los criterios aplicables a cada empresa.",{"type":110,"attrs":435,"content":437},{"textAlign":25,"key":436},"p-32",[438],{"text":439,"type":116,"marks":440},"El plazo de pago marca cuándo lanzar cada remesa bancaria",[441],{"type":173},{"type":110,"attrs":443,"content":445},{"textAlign":25,"key":444},"p-33",[446],{"text":447,"type":116},"La fecha de vencimiento de cada factura debe compararse con la cadencia de las remesas y con los compromisos de tesorería de la empresa. El plazo aplicable puede depender del contrato, del tipo de operación, del proceso de aceptación y de la normativa correspondiente.",{"type":110,"attrs":449,"content":451},{"textAlign":25,"key":450},"p-34",[452],{"text":453,"type":116},"Por este motivo, no conviene tratar un plazo concreto como una regla universal para todas las operaciones. Antes de programar una remesa, revisa las condiciones acordadas con el proveedor y cualquier requisito que pueda afectar a la fecha de pago.",{"type":110,"attrs":455,"content":457},{"textAlign":25,"key":456},"p-35",[458,460,466,468,474],{"text":459,"type":116},"La normativa sobre plazos de pago, facturación electrónica y obligaciones de información puede cambiar y depende de las circunstancias de cada empresa. Para conocer los requisitos aplicables, consulta la información actualizada del",{"text":461,"type":116,"marks":462}," BOE",[463],{"type":330,"attrs":464},{"href":465,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://www.boe.es/",{"text":467,"type":116},", la",{"text":469,"type":116,"marks":470}," Agencia Tributaria",[471],{"type":330,"attrs":472},{"href":473,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://sede.agenciatributaria.gob.es/",{"text":475,"type":116}," y la asesoría legal o contable correspondiente.",{"type":110,"attrs":477,"content":479},{"textAlign":25,"key":478},"p-36",[480],{"text":481,"type":116},"Spendesk puede ayudar a organizar las facturas, las aprobaciones y las fechas previstas de pago, pero no garantiza por sí sola el cumplimiento de las obligaciones legales, fiscales o contables de la empresa.",{"type":110,"attrs":483,"content":485},{"textAlign":25,"key":484},"p-37",[486],{"text":487,"type":116,"marks":488},"Validar y enviar un fichero SEPA",[489],{"type":173},{"type":110,"attrs":491,"content":493},{"textAlign":25,"key":492},"p-38",[494],{"text":495,"type":116},"El fichero SEPA debe revisarse antes de enviarlo al banco. 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La empresa debe descargar el fichero y cargarlo en su propio entorno bancario. Spendesk no transmite automáticamente un fichero XML SEPA exportado ni ejecuta en nombre de la empresa las transferencias manuales asociadas a ese archivo.",{"type":110,"attrs":570,"content":572},{"textAlign":25,"key":571},"p-48",[573],{"text":574,"type":116},"La revisión realizada en Spendesk y la validación final del banco son procesos diferentes. El banco puede aplicar sus propios controles de formato, seguridad, autorización y aceptación. 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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":2539,"content":2540},{"textAlign":25},[2541],{"text":2542,"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":2544,"content":2545},{"textAlign":25},[2546],{"text":2547,"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":2549,"content":2550},{"textAlign":25},[2551],{"text":2552,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2554,"title":2555,"component":916,"description":2556},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2557},[2558,2563,2575,2580,2590,2595,2600,2605],{"type":110,"attrs":2559,"content":2560},{"textAlign":25},[2561],{"text":2562,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2581,"content":2582},{"textAlign":25},[2583,2587,2588],{"text":2584,"type":116,"marks":2585},"Para los equipos financieros",[2586],{"type":173},{"type":2418},{"text":2589,"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":2591,"content":2592},{"textAlign":25},[2593],{"text":2594,"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":2596,"content":2597},{"textAlign":25},[2598],{"text":2599,"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":2601,"content":2602},{"textAlign":25},[2603],{"text":2604,"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":2606,"content":2607},{"textAlign":25},[2608],{"text":2609,"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.",[2611],{"cta":2612,"_uid":2613,"title":2614,"eyebrow":2621,"subtitle":2624,"component":981,"textAlign":90,"sectionSettings":2630,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2615},[2616],{"type":981,"attrs":2617,"content":2618},{"level":983},[2619],{"text":2620,"type":116},"Empezar con Spendesk",{"type":107,"content":2622},[2623],{"type":110},{"type":107,"content":2625},[2626],{"type":110,"content":2627},[2628],{"text":2629,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2635,2766,2905,3045,3141,3259,3379,3524,3645,3774,3945,4083,4222,4350,4478],{"name":2636,"created_at":2637,"published_at":2638,"updated_at":2639,"id":2640,"uuid":2641,"content":2642,"slug":2755,"full_slug":2756,"sort_by_date":25,"position":2757,"tag_list":2758,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":2759,"first_published_at":2638,"release_id":25,"lang":32,"path":25,"alternates":2760,"default_full_slug":2761,"translated_slugs":2762},"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":2643,"title":2636,"topics":2644,"noIndex":28,"category":2653,"language":2662,"component":890,"heroMedia":2663,"metaTitle":2664,"publishedAt":90,"readingTime":2665,"redirectUrl":90,"listingImage":2666,"metaDescription":2667,"bottomArticleCta":2668,"componentsAfterTheArticle":2669},"fef2010a-eba8-4d77-ba63-0f84b8d05d91",[2645],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2646,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2647,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2648,"default_full_slug":147,"translated_slugs":2649,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2650,2651,2652],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":2654,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":2656,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":2657,"default_full_slug":897,"translated_slugs":2658,"_stopResolving":41},{"_uid":884,"icon":2655,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2659,2660,2661],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Factura electrónica B2B obligatoria: RD 238/2026","15",[],"Descubre cuándo entra en vigor la factura electrónica B2B obligatoria en España, a quién afecta primero, qué comunicar en cuatro días y las sanciones.",[],[2670],{"_uid":2671,"items":2672,"heading":2733,"component":999},"ed1beb78-2e64-4eec-b80b-41ff657d25ea",[2673,2683,2693,2703,2713,2723],{"_uid":2674,"title":2675,"component":916,"description":2676},"283ede3f-09f4-4759-8973-a693d94ea973","¿Cuándo entra en vigor la factura electrónica B2B en España?",{"type":107,"content":2677},[2678],{"type":110,"attrs":2679,"content":2680},{"textAlign":25},[2681],{"text":2682,"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":2684,"title":2685,"component":916,"description":2686},"4e9d6662-a73d-42f6-a917-670dd58c2996","¿Quién está obligado a utilizar la factura electrónica B2B?",{"type":107,"content":2687},[2688],{"type":110,"attrs":2689,"content":2690},{"textAlign":25},[2691],{"text":2692,"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":2694,"title":2695,"component":916,"description":2696},"310194eb-0234-4c6b-a583-ed00c32a365e","¿Es lo mismo la factura electrónica B2B que VERI*FACTU?",{"type":107,"content":2697},[2698],{"type":110,"attrs":2699,"content":2700},{"textAlign":25},[2701],{"text":2702,"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":2704,"title":2705,"component":916,"description":2706},"fc35e05b-e765-4823-9532-a282a8888215","¿Se podrá seguir enviando una factura en PDF por correo electrónico?",{"type":107,"content":2707},[2708],{"type":110,"attrs":2709,"content":2710},{"textAlign":25},[2711],{"text":2712,"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":2714,"title":2715,"component":916,"description":2716},"746ebd48-350a-4272-b985-d676e56e4b65","¿Puede Spendesk cumplir por sí sola con la factura electrónica B2B en España?",{"type":107,"content":2717},[2718],{"type":110,"attrs":2719,"content":2720},{"textAlign":25},[2721],{"text":2722,"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":2724,"title":2725,"component":916,"description":2726},"04c02eac-391e-4a3b-a9e3-f37f777310a2","¿Qué formatos de factura electrónica serán válidos?",{"type":107,"content":2727},[2728],{"type":110,"attrs":2729,"content":2730},{"textAlign":25},[2731],{"text":2732,"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.",[2734],{"cta":2735,"_uid":2736,"title":2737,"eyebrow":2743,"subtitle":2748,"component":981,"textAlign":90,"flexibleSection":2753,"sectionSettings":2754,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"87703176-357e-4029-b671-6e2f33e3ba25",{"type":107,"content":2738},[2739],{"type":981,"attrs":2740,"content":2741},{"level":983,"textAlign":25},[2742],{"text":986,"type":116},{"type":107,"content":2744},[2745],{"type":110,"attrs":2746,"content":2747},{"textAlign":25},[],{"type":107,"content":2749},[2750],{"type":110,"attrs":2751,"content":2752},{"textAlign":25},[],[],[],"factura-electronica-b2b-obligatoria","es/blog/factura-electronica-b2b-obligatoria",-2900,[],"239c3755-1891-4b1a-9bbb-7368f4bcfe70",[],"blog/factura-electronica-b2b-obligatoria",[2763,2764,2765],{"path":2761,"name":25,"lang":37,"published":25},{"path":2761,"name":25,"lang":39,"published":25},{"path":2761,"name":25,"lang":32,"published":25},{"name":2767,"created_at":2768,"published_at":2769,"updated_at":2770,"id":2771,"uuid":2772,"content":2773,"slug":2894,"full_slug":2895,"sort_by_date":25,"position":2896,"tag_list":2897,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":2898,"first_published_at":2769,"release_id":25,"lang":32,"path":25,"alternates":2899,"default_full_slug":2900,"translated_slugs":2901},"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":2774,"title":2767,"topics":2775,"noIndex":28,"category":2784,"language":2793,"component":890,"heroMedia":2794,"metaTitle":2795,"publishedAt":90,"readingTime":2796,"redirectUrl":90,"listingImage":2797,"metaDescription":2798,"bottomArticleCta":2799,"componentsAfterTheArticle":2800},"1aa48761-92ae-4fbf-8b56-8bcb90e53a67",[2776],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2777,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2778,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2779,"default_full_slug":147,"translated_slugs":2780,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2781,2782,2783],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":2785,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":2787,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":2788,"default_full_slug":897,"translated_slugs":2789,"_stopResolving":41},{"_uid":884,"icon":2786,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2790,2791,2792],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"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.",[],[2801],{"_uid":2802,"items":2803,"heading":2872,"component":999},"260a9c76-16bd-46cb-9256-480f8dab3c20",[2804,2814,2824,2842,2852,2862],{"_uid":2805,"title":2806,"component":916,"description":2807},"a41c4649-d687-448b-bf01-65362821de65","¿Qué consecuencias puede tener omitir un dato del libro registro?",{"type":107,"content":2808},[2809],{"type":110,"attrs":2810,"content":2811},{"textAlign":25},[2812],{"text":2813,"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":2815,"title":2816,"component":916,"description":2817},"1e0b697d-a60b-4b3f-bd6e-b07d61a6ec99","¿Se pueden agrupar varias facturas en un asiento resumen?",{"type":107,"content":2818},[2819],{"type":110,"attrs":2820,"content":2821},{"textAlign":25},[2822],{"text":2823,"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":2825,"title":2826,"component":916,"description":2827},"b5737e9c-4d36-42e2-8625-6bbe8a99ae6c","¿Cuánto tiempo deben conservarse las facturas y los libros registro?",{"type":107,"content":2828},[2829],{"type":110,"attrs":2830,"content":2831},{"textAlign":25},[2832,2834,2840],{"text":2833,"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":2835,"type":116,"marks":2836}," conservación de facturas",[2837],{"type":330,"attrs":2838},{"href":2839,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/facturacion-registro/facturacion-iva/obligacion-conservar-facturas.html",{"text":2841,"type":116}," y sobre las obligaciones contables y registrales.",{"_uid":2843,"title":2844,"component":916,"description":2845},"e6934227-e274-46d4-97aa-3dea11c63fe1","¿Se puede utilizar Excel para llevar el libro registro?",{"type":107,"content":2846},[2847],{"type":110,"attrs":2848,"content":2849},{"textAlign":25},[2850],{"text":2851,"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":2853,"title":2854,"component":916,"description":2855},"72ec2867-2ead-49c9-b68b-a5bfe1a09dd6","¿Puede Spendesk sustituir el libro registro de facturas recibidas?",{"type":107,"content":2856},[2857],{"type":110,"attrs":2858,"content":2859},{"textAlign":25},[2860],{"text":2861,"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":2863,"title":2864,"component":916,"description":2865},"ce45d85b-586d-43e8-895b-d16c57e3970f","¿Cómo se gestionan las facturas rectificativas?",{"type":107,"content":2866},[2867],{"type":110,"attrs":2868,"content":2869},{"textAlign":25},[2870],{"text":2871,"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.",[2873],{"cta":2874,"_uid":2875,"title":2876,"eyebrow":2882,"subtitle":2887,"component":981,"textAlign":90,"flexibleSection":2892,"sectionSettings":2893,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"37b08c3d-c162-4c57-b3b3-d6d60bdc54aa",{"type":107,"content":2877},[2878],{"type":981,"attrs":2879,"content":2880},{"level":983,"textAlign":25},[2881],{"text":986,"type":116},{"type":107,"content":2883},[2884],{"type":110,"attrs":2885,"content":2886},{"textAlign":25},[],{"type":107,"content":2888},[2889],{"type":110,"attrs":2890,"content":2891},{"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",[2902,2903,2904],{"path":2900,"name":25,"lang":37,"published":25},{"path":2900,"name":25,"lang":39,"published":25},{"path":2900,"name":25,"lang":32,"published":25},{"name":2906,"created_at":2907,"published_at":2908,"updated_at":2909,"id":2910,"uuid":2911,"content":2912,"slug":3034,"full_slug":3035,"sort_by_date":25,"position":3036,"tag_list":3037,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":3038,"first_published_at":2908,"release_id":25,"lang":32,"path":25,"alternates":3039,"default_full_slug":3040,"translated_slugs":3041},"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":2913,"title":2906,"topics":2914,"noIndex":28,"category":2923,"language":2932,"component":890,"heroMedia":2933,"metaTitle":2934,"publishedAt":90,"readingTime":906,"redirectUrl":90,"listingImage":2935,"metaDescription":2936,"bottomArticleCta":2937,"componentsAfterTheArticle":2938},"2e625e42-c16d-4154-bf03-c232bc3dfa31",[2915],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2916,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2917,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2918,"default_full_slug":147,"translated_slugs":2919,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2920,2921,2922],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":2924,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":2926,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":2927,"default_full_slug":897,"translated_slugs":2928,"_stopResolving":41},{"_uid":884,"icon":2925,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2929,2930,2931],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Facturas con retención de IRPF: validar y pagar",[],"Facturas con retención de IRPF: cómo validar el porcentaje, revisar la base y aprobar el pago desde el equipo de Finanzas.",[],[2939],{"_uid":2940,"items":2941,"heading":3012,"component":999},"5825f6bb-0a60-427b-9780-9a3436456e50",[2942,2952,2962,2972,2982,2992,3002],{"_uid":2943,"title":2944,"component":916,"description":2945},"2c41ac83-8d9c-40c0-a007-34f8d9bd94ad","¿Todas las facturas de profesionales llevan retención de IRPF?",{"type":107,"content":2946},[2947],{"type":110,"attrs":2948,"content":2949},{"textAlign":25},[2950],{"text":2951,"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":2953,"title":2954,"component":916,"description":2955},"bd580b26-df21-4199-85a9-dc77a8fb5bf3","¿Cómo se calcula la retención de IRPF en una factura?",{"type":107,"content":2956},[2957],{"type":110,"attrs":2958,"content":2959},{"textAlign":25},[2960],{"text":2961,"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":2963,"title":2964,"component":916,"description":2965},"b4e975a6-fdda-4f6b-b4c6-be4e5deab215","¿Qué hago si una factura profesional llega sin retención?",{"type":107,"content":2966},[2967],{"type":110,"attrs":2968,"content":2969},{"textAlign":25},[2970],{"text":2971,"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":2973,"title":2974,"component":916,"description":2975},"e0cbee5b-47c5-4e93-b587-4ea85f994655","¿Quién ingresa la retención en Hacienda?",{"type":107,"content":2976},[2977],{"type":110,"attrs":2978,"content":2979},{"textAlign":25},[2980],{"text":2981,"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":2983,"title":2984,"component":916,"description":2985},"f0a0ff0f-d530-46cd-ae89-0e336e025935","¿Cómo ayuda Spendesk a gestionar facturas con retención de IRPF?",{"type":107,"content":2986},[2987],{"type":110,"attrs":2988,"content":2989},{"textAlign":25},[2990],{"text":2991,"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":2993,"title":2994,"component":916,"description":2995},"c80b46e8-fbde-42dc-843b-2ddbe60c6342","¿Puede Spendesk calcular automáticamente la retención de IRPF?",{"type":107,"content":2996},[2997],{"type":110,"attrs":2998,"content":2999},{"textAlign":25},[3000],{"text":3001,"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":3003,"title":3004,"component":916,"description":3005},"cc10cb16-b28a-4f80-83d4-5f04e2201f09","¿Cómo se registra una factura con retención?",{"type":107,"content":3006},[3007],{"type":110,"attrs":3008,"content":3009},{"textAlign":25},[3010],{"text":3011,"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 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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":3190,"title":3191,"component":916,"description":3192},"d929dcff-cea6-4ab2-bc9f-b1454eb915fc","¿Una operación intracomunitaria es lo mismo que una importación de fuera de la UE?",{"type":107,"content":3193},[3194],{"type":110,"attrs":3195,"content":3196},{"textAlign":25},[3197],{"text":3198,"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":3200,"title":3201,"component":916,"description":3202},"17dd4ac9-4f17-4dae-91a7-f82f56b9e245","¿Cómo recupero el IVA soportado en otro país de la Unión Europea?",{"type":107,"content":3203},[3204],{"type":110,"attrs":3205,"content":3206},{"textAlign":25},[3207],{"text":3208,"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":3210,"title":3211,"component":916,"description":3212},"f951bfc8-21a7-4052-9f5a-910ecebe2971","¿El tratamiento cambia entre bienes y servicios?",{"type":107,"content":3213},[3214],{"type":110,"attrs":3215,"content":3216},{"textAlign":25},[3217,3219,3225],{"text":3218,"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":3220,"type":116,"marks":3221}," Solicita una demo de Spendesk",[3222],{"type":330,"attrs":3223},{"href":3224,"uuid":25,"anchor":25,"target":333,"linktype":98},"https://www.spendesk.com/es/schedule-a-demo/",{"text":2143,"type":116},[3227],{"cta":3228,"_uid":3229,"title":3230,"eyebrow":3236,"subtitle":3241,"component":981,"textAlign":90,"flexibleSection":3246,"sectionSettings":3247,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c17aaa14-59e6-418f-9cd0-98d3c07712e9",{"type":107,"content":3231},[3232],{"type":981,"attrs":3233,"content":3234},{"level":983,"textAlign":25},[3235],{"text":986,"type":116},{"type":107,"content":3237},[3238],{"type":110,"attrs":3239,"content":3240},{"textAlign":25},[],{"type":107,"content":3242},[3243],{"type":110,"attrs":3244,"content":3245},{"textAlign":25},[],[],[],"factura-intracomunitaria","es/blog/factura-intracomunitaria",-2860,[],"a9d7945e-dc5a-4e57-82d3-001d1fa41333",[],"blog/factura-intracomunitaria",[3256,3257,3258],{"path":3254,"name":25,"lang":37,"published":25},{"path":3254,"name":25,"lang":39,"published":25},{"path":3254,"name":25,"lang":32,"published":25},{"name":3260,"created_at":3261,"published_at":3262,"updated_at":3263,"id":3264,"uuid":3265,"content":3266,"slug":3368,"full_slug":3369,"sort_by_date":25,"position":3370,"tag_list":3371,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":3372,"first_published_at":3262,"release_id":25,"lang":32,"path":25,"alternates":3373,"default_full_slug":3374,"translated_slugs":3375},"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":3267,"title":3260,"topics":3268,"noIndex":28,"category":3277,"language":3286,"component":890,"heroMedia":3287,"metaTitle":3288,"publishedAt":90,"readingTime":2665,"redirectUrl":90,"listingImage":3289,"metaDescription":3290,"bottomArticleCta":3291,"componentsAfterTheArticle":3292},"e75e11cf-c014-4af9-9dec-efbcdf3ea09c",[3269],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3270,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3271,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3272,"default_full_slug":147,"translated_slugs":3273,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3274,3275,3276],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":3278,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":3280,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":3281,"default_full_slug":897,"translated_slugs":3282,"_stopResolving":41},{"_uid":884,"icon":3279,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3283,3284,3285],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Digitalización de facturas con OCR: extraer y contabilizar",[],"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.",[],[3293],{"_uid":3294,"items":3295,"heading":3346,"component":999},"73b6d500-79ee-4c80-8a75-9ed1fdf15ef9",[3296,3306,3316,3326,3336],{"_uid":3297,"title":3298,"component":916,"description":3299},"d924b0b5-8d0b-499f-ba08-7857e8a9a616","¿Qué diferencia hay entre escanear y digitalizar una factura?",{"type":107,"content":3300},[3301],{"type":110,"attrs":3302,"content":3303},{"textAlign":25},[3304],{"text":3305,"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":3307,"title":3308,"component":916,"description":3309},"baa793b6-abe6-4b48-ab74-8a97f60052cd","¿La digitalización de facturas tiene validez legal ante la AEAT?",{"type":107,"content":3310},[3311],{"type":110,"attrs":3312,"content":3313},{"textAlign":25},[3314],{"text":3315,"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":3317,"title":3318,"component":916,"description":3319},"1a50d434-b809-4c80-bad4-ae6ee7212735","¿Qué herramienta usar para escanear facturas y contabilizarlas automáticamente en un ERP?",{"type":107,"content":3320},[3321],{"type":110,"attrs":3322,"content":3323},{"textAlign":25},[3324],{"text":3325,"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":3327,"title":3328,"component":916,"description":3329},"0ae67cd1-17e5-4622-88ef-129bf9c01aaf","¿Qué fiabilidad tiene el OCR y qué pasa cuando se equivoca?",{"type":107,"content":3330},[3331],{"type":110,"attrs":3332,"content":3333},{"textAlign":25},[3334],{"text":3335,"type":116},"La fiabilidad depende de la calidad del documento, el formato y el campo que se extrae. Ningún sistema es infalible. 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Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":4010,"title":4011,"component":916,"description":4012},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":4013},[4014],{"type":110,"attrs":4015,"content":4016},{"textAlign":25},[4017],{"text":4018,"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":4020,"title":4021,"component":916,"description":4022},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":4023},[4024],{"type":110,"attrs":4025,"content":4026},{"textAlign":25},[4027],{"text":4028,"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 €. 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No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":4040,"title":4041,"component":916,"description":4042},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":107,"content":4043},[4044],{"type":110,"attrs":4045,"content":4046},{"textAlign":25},[4047],{"text":4048,"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.",[4050],{"cta":4051,"_uid":4052,"title":4053,"eyebrow":4059,"subtitle":4064,"component":981,"textAlign":90,"flexibleSection":4069,"sectionSettings":4070,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":4054},[4055],{"type":981,"attrs":4056,"content":4057},{"level":983,"textAlign":25},[4058],{"text":986,"type":116},{"type":107,"content":4060},[4061],{"type":110,"attrs":4062,"content":4063},{"textAlign":25},[],{"type":107,"content":4065},[4066],{"type":110,"attrs":4067,"content":4068},{"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",[4080,4081,4082],{"path":4078,"name":25,"lang":37,"published":25},{"path":4078,"name":25,"lang":39,"published":25},{"path":4078,"name":25,"lang":32,"published":25},{"name":4084,"created_at":4085,"published_at":4086,"updated_at":4087,"id":4088,"uuid":4089,"content":4090,"slug":4210,"full_slug":4211,"sort_by_date":25,"position":4212,"tag_list":4213,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":4214,"first_published_at":4215,"release_id":25,"lang":32,"path":25,"alternates":4216,"default_full_slug":4217,"translated_slugs":4218},"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":4091,"title":4084,"topics":4092,"noIndex":28,"category":4101,"language":4110,"component":890,"heroMedia":4111,"metaTitle":4112,"publishedAt":4113,"readingTime":4114,"redirectUrl":90,"listingImage":4115,"metaDescription":4122,"bottomArticleCta":4123,"componentsAfterTheArticle":4124},"0d77ded5-886f-419e-9cda-bce11bcf3406",[4093],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4094,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4095,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4096,"default_full_slug":147,"translated_slugs":4097,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4098,4099,4100],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":4102,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":4104,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":4105,"default_full_slug":897,"translated_slugs":4106,"_stopResolving":41},{"_uid":884,"icon":4103,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4107,4108,4109],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[4116],{"_uid":4117,"asset":4118,"caption":90,"component":3982},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":4119,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4120,"copyright":90,"fieldtype":95,"meta_data":4121,"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. 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Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":4139,"title":4140,"component":916,"description":4141},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":4142},[4143],{"type":110,"attrs":4144,"content":4145},{"textAlign":25},[4146],{"text":4147,"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. 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Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":4159,"title":4160,"component":916,"description":4161},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":4162},[4163],{"type":110,"attrs":4164,"content":4165},{"textAlign":25},[4166],{"text":4167,"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":4169,"title":4170,"component":916,"description":4171},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":4172},[4173],{"type":110,"attrs":4174,"content":4175},{"textAlign":25},[4176],{"text":4177,"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":4179,"title":4180,"component":916,"description":4181},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":4182},[4183],{"type":110,"attrs":4184,"content":4185},{"textAlign":25},[4186],{"text":4187,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. 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Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[4263],{"_uid":4264,"items":4265,"heading":4316,"component":999},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[4266,4276,4286,4296,4306],{"_uid":4267,"title":4268,"component":916,"description":4269},"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":4270},[4271],{"type":110,"attrs":4272,"content":4273},{"textAlign":25},[4274],{"text":4275,"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":4277,"title":4278,"component":916,"description":4279},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":4280},[4281],{"type":110,"attrs":4282,"content":4283},{"textAlign":25},[4284],{"text":4285,"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":4287,"title":4288,"component":916,"description":4289},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":4290},[4291],{"type":110,"attrs":4292,"content":4293},{"textAlign":25},[4294],{"text":4295,"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":4297,"title":4298,"component":916,"description":4299},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":4300},[4301],{"type":110,"attrs":4302,"content":4303},{"textAlign":25},[4304],{"text":4305,"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":4307,"title":4308,"component":916,"description":4309},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":4310},[4311],{"type":110,"attrs":4312,"content":4313},{"textAlign":25},[4314],{"text":4315,"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.",[4317],{"cta":4318,"_uid":4319,"title":4320,"eyebrow":4326,"subtitle":4331,"component":981,"textAlign":90,"flexibleSection":4336,"sectionSettings":4337,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":4321},[4322],{"type":981,"attrs":4323,"content":4324},{"level":983,"textAlign":25},[4325],{"text":986,"type":116},{"type":107,"content":4327},[4328],{"type":110,"attrs":4329,"content":4330},{"textAlign":25},[],{"type":107,"content":4332},[4333],{"type":110,"attrs":4334,"content":4335},{"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",[4347,4348,4349],{"path":4345,"name":25,"lang":37,"published":25},{"path":4345,"name":25,"lang":39,"published":25},{"path":4345,"name":25,"lang":32,"published":25},{"name":4351,"created_at":4352,"published_at":4353,"updated_at":4354,"id":4355,"uuid":4356,"content":4357,"slug":4466,"full_slug":4467,"sort_by_date":25,"position":4468,"tag_list":4469,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":4470,"first_published_at":4471,"release_id":25,"lang":32,"path":25,"alternates":4472,"default_full_slug":4473,"translated_slugs":4474},"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":4358,"title":4351,"topics":4359,"noIndex":28,"category":4368,"language":4377,"component":890,"heroMedia":4378,"metaTitle":4379,"publishedAt":4380,"readingTime":906,"redirectUrl":90,"listingImage":4381,"metaDescription":4388,"bottomArticleCta":4389,"componentsAfterTheArticle":4390},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[4360],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4361,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4362,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4363,"default_full_slug":147,"translated_slugs":4364,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4365,4366,4367],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":4369,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":4371,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":4372,"default_full_slug":897,"translated_slugs":4373,"_stopResolving":41},{"_uid":884,"icon":4370,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4374,4375,4376],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[4382],{"_uid":4383,"asset":4384,"caption":90,"component":3982},"71b7f715-948b-4a24-8379-000055d9922b",{"id":4385,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4386,"copyright":90,"fieldtype":95,"meta_data":4387,"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",[],[4391],{"_uid":4392,"items":4393,"heading":4444,"component":999},"392b2cba-2459-4fae-9ca3-82a370a248fc",[4394,4404,4414,4424,4434],{"_uid":4395,"title":4396,"component":916,"description":4397},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":4398},[4399],{"type":110,"attrs":4400,"content":4401},{"textAlign":25},[4402],{"text":4403,"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":4405,"title":4406,"component":916,"description":4407},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":4408},[4409],{"type":110,"attrs":4410,"content":4411},{"textAlign":25},[4412],{"text":4413,"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":4415,"title":4416,"component":916,"description":4417},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":4418},[4419],{"type":110,"attrs":4420,"content":4421},{"textAlign":25},[4422],{"text":4423,"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":4425,"title":4426,"component":916,"description":4427},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":4428},[4429],{"type":110,"attrs":4430,"content":4431},{"textAlign":25},[4432],{"text":4433,"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":4435,"title":4436,"component":916,"description":4437},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":4438},[4439],{"type":110,"attrs":4440,"content":4441},{"textAlign":25},[4442],{"text":4443,"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.",[4445],{"cta":4446,"_uid":4447,"title":4448,"eyebrow":4454,"subtitle":4459,"component":981,"textAlign":90,"flexibleSection":4464,"sectionSettings":4465,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":4449},[4450],{"type":981,"attrs":4451,"content":4452},{"level":983,"textAlign":25},[4453],{"text":986,"type":116},{"type":107,"content":4455},[4456],{"type":110,"attrs":4457,"content":4458},{"textAlign":25},[],{"type":107,"content":4460},[4461],{"type":110,"attrs":4462,"content":4463},{"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",[4475,4476,4477],{"path":4473,"name":25,"lang":37,"published":25},{"path":4473,"name":25,"lang":39,"published":25},{"path":4473,"name":25,"lang":32,"published":25},{"name":4479,"created_at":4480,"published_at":4481,"updated_at":4482,"id":4483,"uuid":4484,"content":4485,"slug":4604,"full_slug":4605,"sort_by_date":25,"position":4606,"tag_list":4607,"is_startpage":28,"parent_id":1004,"meta_data":25,"group_id":4608,"first_published_at":4609,"release_id":25,"lang":32,"path":25,"alternates":4610,"default_full_slug":4611,"translated_slugs":4612},"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":4486,"title":4479,"topics":4487,"noIndex":28,"category":4496,"language":4505,"component":890,"heroMedia":4506,"metaTitle":4507,"publishedAt":4508,"readingTime":2796,"redirectUrl":90,"listingImage":4509,"metaDescription":4516,"bottomArticleCta":4517,"componentsAfterTheArticle":4518},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[4488],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4489,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4490,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4491,"default_full_slug":147,"translated_slugs":4492,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4493,4494,4495],{"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":878,"created_at":879,"published_at":16,"updated_at":880,"id":881,"uuid":882,"content":4497,"slug":890,"full_slug":891,"sort_by_date":25,"position":52,"tag_list":4499,"is_startpage":28,"parent_id":893,"meta_data":25,"group_id":894,"first_published_at":895,"release_id":25,"lang":32,"path":25,"alternates":4500,"default_full_slug":897,"translated_slugs":4501,"_stopResolving":41},{"_uid":884,"icon":4498,"name":878,"component":889},{"id":886,"alt":887,"name":90,"focus":90,"title":90,"filename":888,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4502,4503,4504],{"path":897,"name":25,"lang":37,"published":25},{"path":897,"name":25,"lang":39,"published":25},{"path":897,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[4510],{"_uid":4511,"asset":4512,"caption":90,"component":3982},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":4513,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4514,"copyright":90,"fieldtype":95,"meta_data":4515,"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",[],[4519],{"_uid":4520,"items":4521,"heading":4582,"component":999},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[4522,4532,4542,4552,4562,4572],{"_uid":4523,"title":4524,"component":916,"description":4525},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":4526},[4527],{"type":110,"attrs":4528,"content":4529},{"textAlign":25},[4530],{"text":4531,"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":4533,"title":4534,"component":916,"description":4535},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":4536},[4537],{"type":110,"attrs":4538,"content":4539},{"textAlign":25},[4540],{"text":4541,"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":4543,"title":4544,"component":916,"description":4545},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":4546},[4547],{"type":110,"attrs":4548,"content":4549},{"textAlign":25},[4550],{"text":4551,"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":4553,"title":4554,"component":916,"description":4555},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":4556},[4557],{"type":110,"attrs":4558,"content":4559},{"textAlign":25},[4560],{"text":4561,"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":4563,"title":4564,"component":916,"description":4565},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":4566},[4567],{"type":110,"attrs":4568,"content":4569},{"textAlign":25},[4570],{"text":4571,"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":4573,"title":4574,"component":916,"description":4575},"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":4576},[4577],{"type":110,"attrs":4578,"content":4579},{"textAlign":25},[4580],{"text":4581,"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.",[4583],{"cta":4584,"_uid":4585,"title":4586,"eyebrow":4592,"subtitle":4597,"component":981,"textAlign":90,"flexibleSection":4602,"sectionSettings":4603,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":4587},[4588],{"type":981,"attrs":4589,"content":4590},{"level":983,"textAlign":25},[4591],{"text":986,"type":116},{"type":107,"content":4593},[4594],{"type":110,"attrs":4595,"content":4596},{"textAlign":25},[],{"type":107,"content":4598},[4599],{"type":110,"attrs":4600,"content":4601},{"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",[4613,4614,4615],{"path":4611,"name":25,"lang":37,"published":25},{"path":4611,"name":25,"lang":39,"published":25},{"path":4611,"name":25,"lang":32,"published":25},[4617,4618,4619,4620],["Reactive",4083],["Reactive",3945],["Reactive",4350],["Reactive",2905],1787764593067]