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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},[154,159,166,182,196,201,207,221,226,231,244,257,270,275,280,294,316,322,327,333,344,362,372,382,392,397,403,425],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"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 control depende de hojas de cálculo, del extracto bancario o de la gestoría, y el desfase solo se detecta cuando un proveedor reclama. Con la obligación de facturación electrónica B2B, ese modelo de control manual ya no resulta suficiente para cumplir con los nuevos requisitos de trazabilidad. La ley de morosidad lleva años limitando los plazos de pago entre empresas, pero su cumplimiento dependía de la buena voluntad de las partes. Ahora, con la facturación electrónica B2B obligatoria, Hacienda va a tener acceso en tiempo casi real a la fecha de emisión y de pago de cada factura. Este artículo explica el marco legal vigente, las consecuencias reales de incumplir y los pasos concretos que puedes dar antes de que desaparezca la zona gris.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},3,[164],{"text":165,"type":116},"El marco legal obliga a pagar en un máximo de 60 días naturales",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170,172,180],{"text":171,"type":116},"La ley de lucha contra la morosidad no es nueva, pero sí ha endurecido sus condiciones progresivamente. La Ley 3/2004 de lucha contra la morosidad transpuso al ordenamiento español la Directiva europea 2000/35/CE y estableció un régimen de intereses automáticos para pagos tardíos entre empresas. En aquel momento el plazo máximo pactable en operaciones comerciales B2B era de 90 días. La ",{"text":173,"type":116,"marks":174},"Ley 15/2010",[175],{"type":176,"attrs":177},"link",{"href":178,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708","_blank",{"text":181,"type":116}," lo redujo a 60 días naturales desde la recepción de la mercancía o la prestación del servicio, y anuló de pleno derecho cualquier cláusula contractual que fijase un plazo superior.",{"type":110,"attrs":183,"content":185},{"textAlign":25,"key":184},"p-2",[186,188,194],{"text":187,"type":116},"Si tu contrato con un proveedor dice \"pago a 90 días\", esa cláusula es nula: la Ley 15/2010 prohíbe ese plazo en las operaciones B2B. Sin embargo, la realidad del tejido empresarial español es otra. El controller financiero de una empresa distribuidora de 150 empleados revisa su ",{"text":189,"type":116,"marks":190},"periodo medio de pago",[191],{"type":176,"attrs":192},{"href":193,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/calculo-periodo-medio-pago-proveedores/",{"text":195,"type":116}," (PMP) y descubre que está en 75 días, sencillamente porque nadie contaba el plazo desde la recepción de mercancía, sino desde que la factura pasaba por tres bandejas de aprobación.",{"type":160,"attrs":197,"content":198},{"level":162,"textAlign":25},[199],{"text":200,"type":116},"Plazos legales según el tipo de acuerdo entre las partes",{"type":110,"attrs":202,"content":204},{"textAlign":25,"key":203},"p-3",[205],{"text":206,"type":116},"Sin pacto escrito en contrario, el plazo legal por defecto es de 30 días naturales desde la recepción de la mercancía o la prestación del servicio. Cuando existe un acuerdo entre las partes, el máximo absoluto son 60 días naturales. Lo que muchos directores financieros no tienen claro es que el plazo de pago en la ley de la morosidad no admite excepción sectorial en el ámbito privado B2B: se aplica a todas las operaciones comerciales.",{"type":110,"attrs":208,"content":210},{"textAlign":25,"key":209},"p-4",[211,213,219],{"text":212,"type":116},"La ",{"text":214,"type":116,"marks":215},"Ley 18/2022, conocida como Crea y Crece",[216],{"type":176,"attrs":217},{"href":218,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/ley-crea-y-crece-factura-electronica/",{"text":220,"type":116},", fue un paso más allá al vincular el cumplimiento de estos plazos con el acceso a financiación pública, como se detalla en la siguiente sección.",{"type":160,"attrs":222,"content":223},{"level":162,"textAlign":25},[224],{"text":225,"type":116},"Las sanciones van mucho más allá de los intereses de demora",{"type":110,"attrs":227,"content":228},{"textAlign":25,"key":112},[229],{"text":230,"type":116},"Pagar una factura fuera de plazo no es solo un problema de relación comercial. Tiene consecuencias económicas cuantificables que afectan directamente a la cuenta de resultados.",{"type":110,"attrs":232,"content":233},{"textAlign":25,"key":168},[234,236,242],{"text":235,"type":116},"El interés legal de demora en operaciones comerciales se calcula sumando ocho puntos porcentuales al tipo de referencia del BCE (Banco Central Europeo). Con el tipo de referencia del BCE en el 2,15% para el primer semestre de 2026, el interés de demora se sitúa en el ",{"text":237,"type":116,"marks":238},"10,15% anualizado",[239],{"type":176,"attrs":240},{"href":241,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2025-27201",{"text":243,"type":116},". En la práctica, una factura de 25.000 euros pagada 30 días después de su vencimiento genera aproximadamente 208 euros solo en intereses. La ley también establece una compensación fija de 40 euros por factura, automática e independiente de cualquier reclamación del acreedor.",{"type":110,"attrs":245,"content":246},{"textAlign":25,"key":184},[247,249,255],{"text":248,"type":116},"La responsable de tesorería de una empresa tecnológica de 200 empleados que prepara una solicitud de ayuda al CDTI (Centro para el Desarrollo Tecnológico y la Innovación) se encuentra con un obstáculo inesperado. Desde la Ley 18/2022 (Crea y Crece), las empresas cuyo PMP supere los 60 días ",{"text":250,"type":116,"marks":251},"no pueden ser beneficiarias de subvenciones públicas",[252],{"type":176,"attrs":253},{"href":254,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://periscopiofiscalylegal.pwc.es/las-empresas-deberan-cumplir-con-los-plazos-de-la-ley-de-morosidad-para-ser-beneficiarios-de-subvenciones-superiores-a-30-000-euros/",{"text":256,"type":116}," superiores a 30.000 euros. Su PMP es de 68 días. La solicitud queda descartada antes de que nadie evalúe el proyecto.",{"type":110,"attrs":258,"content":259},{"textAlign":25,"key":203},[260,262,268],{"text":261,"type":116},"Las ",{"text":263,"type":116,"marks":264},"sanciones administrativas por morosidad",[265],{"type":176,"attrs":266},{"href":267,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://fusterguell.com/que-sanciones-contempla-el-proximo-regimen-sancionador-de-la-ley-de-morosidad/",{"text":269,"type":116}," sistemática pueden alcanzar los 800.000 euros para infracciones muy graves bajo el régimen sancionador de la nueva ley de morosidad. Para empresas que dependen de subvenciones CDTI, fondos ICEX o programas europeos, el coste de oportunidad supera con mucho el importe de los intereses.",{"type":160,"attrs":271,"content":272},{"level":162,"textAlign":25},[273],{"text":274,"type":116},"La facturación electrónica B2B convierte cada pago tardío en un dato auditable",{"type":110,"attrs":276,"content":277},{"textAlign":25,"key":209},[278],{"text":279,"type":116},"La diferencia con el régimen anterior es que ahora la AEAT (Agencia Estatal de Administración Tributaria) tendrá acceso automático a los datos de pago de cada factura B2B. Hasta ahora, solo conocía los datos de morosidad si el acreedor reclamaba o si una inspección solicitaba la información. Dos regulaciones están cerrando esa brecha.",{"type":110,"attrs":281,"content":283},{"textAlign":25,"key":282},"p-5",[284,286,292],{"text":285,"type":116},"VERI*FACTU, derivado de la Ley Antifraude, obliga a que todo software de ",{"text":287,"type":116,"marks":288},"facturación electrónica",[289],{"type":176,"attrs":290},{"href":291,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":293,"type":116}," genere un código QR y una huella digital por cada factura emitida, datos que se comunican directamente a la AEAT. El calendario: enero de 2026 para el primer grupo de empresas, julio de 2026 para el resto. La factura ya no vive solo en el servidor de la empresa, sino que deja un rastro verificable desde su emisión.",{"type":110,"attrs":295,"content":297},{"textAlign":25,"key":296},"p-6",[298,300,306,308,314],{"text":299,"type":116},"El segundo pilar es la ley de facturación electrónica B2B, regulada por el ",{"text":301,"type":116,"marks":302},"RD 238/2026",[303],{"type":176,"attrs":304},{"href":305,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-7295",{"text":307,"type":116}," dentro del marco de la Ley Crea y Crece. Las empresas con facturación superior a ocho millones de euros deberán cumplir en el plazo de un año desde la publicación del reglamento; las pymes, en dos años. El ",{"text":309,"type":116,"marks":310},"Ministerio de Economía",[311],{"type":176,"attrs":312},{"href":313,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://portal.mineco.gob.es/es-es/comunicacion/Paginas/Gobierno-impulsa-factura-electronica-en-pagos-empresas-y-profesionales-rebajar-carga-administrativa-y-morosidad.aspx",{"text":315,"type":116}," declaró explícitamente que esta obligación busca \"rebajar la carga administrativa y reducir la morosidad\". Y aquí está el punto clave: el reglamento exige registrar electrónicamente no solo la emisión de la factura, sino también su aceptación o rechazo y la fecha de pago.",{"type":110,"attrs":317,"content":319},{"textAlign":25,"key":318},"p-7",[320],{"text":321,"type":116},"Un responsable de tesorería que paga a un proveedor SaaS a 72 días piensa que es un asunto entre ambas partes. Con la ley de facturación electrónica en vigor, ese desfase de 12 días sobre el máximo legal es un dato en el sistema de la AEAT, cruzable de forma automática con los plazos de la ley de morosidad. La morosidad deja de ser un riesgo latente y pasa a ser un dato auditable a gran escala.",{"type":160,"attrs":323,"content":324},{"level":162,"textAlign":25},[325],{"text":326,"type":116},"Cinco pasos para cumplir los plazos sin comprometer la liquidez",{"type":110,"attrs":328,"content":330},{"textAlign":25,"key":329},"p-8",[331],{"text":332,"type":116},"Conocer la normativa es necesario; adaptar la gestión del gasto a los plazos de 60 días es lo que evita las sanciones. Estos cinco pasos permiten reducir el PMP sin tensionar la tesorería.",{"type":110,"attrs":334,"content":336},{"textAlign":25,"key":335},"p-9",[337,342],{"text":338,"type":116,"marks":339},"1. Calcula tu PMP real, no el contractual.",[340],{"type":341},"bold",{"text":343,"type":116}," Revisa las últimas 200 facturas pagadas y mide los días desde recepción de mercancía o prestación de servicio hasta la fecha efectiva de pago. Si la media supera los 60 días, tienes una brecha de cumplimiento. Muchas empresas descubren que su PMP contractual es de 45 días, pero el real, contando retrasos de aprobación interna, se dispara a 70.",{"type":110,"attrs":345,"content":347},{"textAlign":25,"key":346},"p-10",[348,352,354,360],{"text":349,"type":116,"marks":350},"2. Elimina el cuello de botella de la captura de facturas.",[351],{"type":341},{"text":353,"type":116}," La factura que llega en papel y pasa tres días en la bandeja de entrada de alguien ya ha consumido el 5% del plazo legal. La ",{"text":355,"type":116,"marks":356},"captura automatizada mediante OCR",[357],{"type":176,"attrs":358},{"href":359,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":361,"type":116}," registra la factura desde el momento en que se recibe, no cuando alguien la encuentra.",{"type":110,"attrs":363,"content":365},{"textAlign":25,"key":364},"p-11",[366,370],{"text":367,"type":116,"marks":368},"3. Configura flujos de aprobación con alertas de vencimiento.",[369],{"type":341},{"text":371,"type":116}," Un circuito de aprobación sin fecha límite es una invitación a la morosidad. Cada factura necesita un flujo que escale automáticamente cuando se acerca al umbral de 60 días. Plataformas de gestión del gasto como Spendesk permiten configurar estos flujos de aprobación con reglas personalizadas, de modo que el director financiero tiene visibilidad en tiempo real sobre qué facturas se aproximan al límite legal, sin depender de un seguimiento manual en hojas de cálculo.",{"type":110,"attrs":373,"content":375},{"textAlign":25,"key":374},"p-12",[376,380],{"text":377,"type":116,"marks":378},"4. Renegocia condiciones antes de que te reclamen.",[379],{"type":341},{"text":381,"type":116}," Si tus contratos vigentes estipulan pagos a 90 días, la cláusula es nula. Es mejor renegociar de forma proactiva a 30 o 45 días que esperar a que un proveedor aplique los intereses de demora.",{"type":110,"attrs":383,"content":385},{"textAlign":25,"key":384},"p-13",[386,390],{"text":387,"type":116,"marks":388},"5. Centraliza los datos de pago a proveedores.",[389],{"type":341},{"text":391,"type":116}," Un director financiero que gestiona tres sociedades entre Madrid y Barcelona, cada una con su propio método de seguimiento, no puede calcular un PMP consolidado. Sin una fuente única de datos, el cumplimiento es una cuestión de fe, no de control.",{"type":160,"attrs":393,"content":394},{"level":162,"textAlign":25},[395],{"text":396,"type":116},"El registro electrónico de pagos exige trazabilidad de principio a fin",{"type":110,"attrs":398,"content":400},{"textAlign":25,"key":399},"p-14",[401],{"text":402,"type":116},"El RD 238/2026 no solo obliga a enviar facturas en formato electrónico. Obliga a registrar la fecha de pago vinculada a cada factura. Una transferencia bancaria SEPA con una anotación en un Excel ya no constituye un rastro de auditoría verificable.",{"type":110,"attrs":404,"content":406},{"textAlign":25,"key":405},"p-15",[407,409,415,417,423],{"text":408,"type":116},"El modelo de gestoría, eficaz para la presentación de impuestos trimestrales, no ofrece control en tiempo real sobre cuándo se paga cada factura. El director financiero necesita visibilidad interna, no un informe retrospectivo a final de trimestre. Una empresa con tres entidades jurídicas que registra las ",{"text":410,"type":116,"marks":411},"cuentas por pagar",[412],{"type":176,"attrs":413},{"href":414,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":416,"type":116}," de forma distinta en cada una descubre que su PMP consolidado es imposible de calcular sin un sistema centralizado. La ",{"text":418,"type":116,"marks":419},"conciliación bancaria",[420],{"type":176,"attrs":421},{"href":422,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":424,"type":116}," se convierte en un ejercicio fragmentado.",{"type":110,"attrs":426,"content":428},{"textAlign":25,"key":427},"p-16",[429],{"text":430,"type":116},"La integración de pagos SEPA de Spendesk registra la fecha exacta de cada pago, vinculada a la factura aprobada y a la solicitud de compra original. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2238,2239],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2241],{"cta":2242,"_uid":2243,"items":2244,"heading":2359,"reverse":28,"component":553,"sectionSettings":2380},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2245,2302],{"_uid":2246,"title":2247,"component":471,"description":2248},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":107,"content":2249},[2250,2255,2282,2287,2292,2297],{"type":110,"attrs":2251,"content":2252},{"textAlign":25},[2253],{"text":2254,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2256,"attrs":2257,"content":2259},"ordered_list",{"order":2258},1,[2260,2268,2275],{"type":2261,"content":2262},"list_item",[2263],{"type":110,"attrs":2264,"content":2265},{"textAlign":25},[2266],{"text":2267,"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":2261,"content":2269},[2270],{"type":110,"attrs":2271,"content":2272},{"textAlign":25},[2273],{"text":2274,"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":2261,"content":2276},[2277],{"type":110,"attrs":2278,"content":2279},{"textAlign":25},[2280],{"text":2281,"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":2283,"content":2284},{"textAlign":25},[2285],{"text":2286,"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":2288,"content":2289},{"textAlign":25},[2290],{"text":2291,"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":2293,"content":2294},{"textAlign":25},[2295],{"text":2296,"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":2298,"content":2299},{"textAlign":25},[2300],{"text":2301,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2303,"title":2304,"component":471,"description":2305},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2306},[2307,2312,2324,2329,2339,2344,2349,2354],{"type":110,"attrs":2308,"content":2309},{"textAlign":25},[2310],{"text":2311,"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":2313,"content":2314},{"textAlign":25},[2315,2319,2322],{"text":2316,"type":116,"marks":2317},"Para los empleados",[2318],{"type":341},{"type":2164,"marks":2320},[2321],{"type":341},{"text":2323,"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":2325,"content":2326},{"textAlign":25},[2327],{"text":2328,"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":2330,"content":2331},{"textAlign":25},[2332,2336,2337],{"text":2333,"type":116,"marks":2334},"Para los equipos financieros",[2335],{"type":341},{"type":2164},{"text":2338,"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":2340,"content":2341},{"textAlign":25},[2342],{"text":2343,"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":2345,"content":2346},{"textAlign":25},[2347],{"text":2348,"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. 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Si el nombre del titular",[],[2756],{"_uid":2757,"items":2758,"heading":2819,"component":553},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[2759,2769,2779,2789,2799,2809],{"_uid":2760,"title":2761,"component":471,"description":2762},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":2763},[2764],{"type":110,"attrs":2765,"content":2766},{"textAlign":25},[2767],{"text":2768,"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":2770,"title":2771,"component":471,"description":2772},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":2773},[2774],{"type":110,"attrs":2775,"content":2776},{"textAlign":25},[2777],{"text":2778,"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":2780,"title":2781,"component":471,"description":2782},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":2783},[2784],{"type":110,"attrs":2785,"content":2786},{"textAlign":25},[2787],{"text":2788,"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":2790,"title":2791,"component":471,"description":2792},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":2793},[2794],{"type":110,"attrs":2795,"content":2796},{"textAlign":25},[2797],{"text":2798,"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":2800,"title":2801,"component":471,"description":2802},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":2803},[2804],{"type":110,"attrs":2805,"content":2806},{"textAlign":25},[2807],{"text":2808,"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":2810,"title":2811,"component":471,"description":2812},"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":2813},[2814],{"type":110,"attrs":2815,"content":2816},{"textAlign":25},[2817],{"text":2818,"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.",[2820],{"cta":2821,"_uid":2822,"title":2823,"eyebrow":2829,"subtitle":2834,"component":160,"textAlign":90,"flexibleSection":2839,"sectionSettings":2840,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":2824},[2825],{"type":160,"attrs":2826,"content":2827},{"level":537,"textAlign":25},[2828],{"text":540,"type":116},{"type":107,"content":2830},[2831],{"type":110,"attrs":2832,"content":2833},{"textAlign":25},[],{"type":107,"content":2835},[2836],{"type":110,"attrs":2837,"content":2838},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2070,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9",[],"blog/pagos-sepa-espana-2026",[2849,2850,2851],{"path":2847,"name":25,"lang":37,"published":25},{"path":2847,"name":25,"lang":39,"published":25},{"path":2847,"name":25,"lang":32,"published":25},{"name":2853,"created_at":2854,"published_at":2855,"updated_at":2856,"id":2857,"uuid":2858,"content":2859,"slug":2970,"full_slug":2971,"sort_by_date":25,"position":2972,"tag_list":2973,"is_startpage":28,"parent_id":558,"meta_data":25,"group_id":2974,"first_published_at":2975,"release_id":25,"lang":32,"path":25,"alternates":2976,"default_full_slug":2977,"translated_slugs":2978},"Conciliación bancaria: qué es, ejemplo práctico y cómo automatizarla","2026-06-10T13:00:12.731Z","2026-06-10T13:15:18.379Z","2026-06-10T13:15:18.402Z",185986305006565,"347a8315-f054-4486-8046-cc11efd3e939",{"_uid":2860,"title":2853,"topics":2861,"noIndex":28,"category":2870,"language":2879,"component":444,"heroMedia":2880,"metaTitle":2881,"publishedAt":90,"readingTime":2882,"redirectUrl":90,"listingImage":2883,"metaDescription":2884,"bottomArticleCta":2885,"componentsAfterTheArticle":2886},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[2862],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2863,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2864,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2865,"default_full_slug":147,"translated_slugs":2866,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2867,2868,2869],{"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":432,"created_at":433,"published_at":16,"updated_at":434,"id":435,"uuid":436,"content":2871,"slug":444,"full_slug":445,"sort_by_date":25,"position":52,"tag_list":2873,"is_startpage":28,"parent_id":447,"meta_data":25,"group_id":448,"first_published_at":449,"release_id":25,"lang":32,"path":25,"alternates":2874,"default_full_slug":451,"translated_slugs":2875,"_stopResolving":41},{"_uid":438,"icon":2872,"name":432,"component":443},{"id":440,"alt":441,"name":90,"focus":90,"title":90,"filename":442,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2876,2877,2878],{"path":451,"name":25,"lang":37,"published":25},{"path":451,"name":25,"lang":39,"published":25},{"path":451,"name":25,"lang":32,"published":25},[32],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom","11",[],"Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[2887],{"_uid":2888,"items":2889,"heading":2948,"component":553},"f710724d-656b-444b-b6f5-476932443755",[2890,2900,2918,2928,2938],{"_uid":2891,"title":2892,"component":471,"description":2893},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":107,"content":2894},[2895],{"type":110,"attrs":2896,"content":2897},{"textAlign":25},[2898],{"text":2899,"type":116},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":2901,"title":2902,"component":471,"description":2903},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":2904},[2905],{"type":110,"attrs":2906,"content":2907},{"textAlign":25},[2908,2910,2916],{"text":2909,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":2911,"type":116,"marks":2912},"objetivos financieros",[2913],{"type":176,"attrs":2914},{"href":2915,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":2917,"type":116}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":2919,"title":2920,"component":471,"description":2921},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":2922},[2923],{"type":110,"attrs":2924,"content":2925},{"textAlign":25},[2926],{"text":2927,"type":116},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":2929,"title":2930,"component":471,"description":2931},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":2932},[2933],{"type":110,"attrs":2934,"content":2935},{"textAlign":25},[2936],{"text":2937,"type":116},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":2939,"title":2940,"component":471,"description":2941},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":107,"content":2942},[2943],{"type":110,"attrs":2944,"content":2945},{"textAlign":25},[2946],{"text":2947,"type":116},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. Esto mejora la trazabilidad de cada factura y facilita la conciliación entre facturas emitidas y pagos recibidos. 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automatización de cuentas por pagar elegir para empresas en crecimiento?",{"type":107,"content":3033},[3034],{"type":110,"attrs":3035,"content":3036},{"textAlign":25},[3037],{"text":3038,"type":116},"Busca una plataforma que combine OCR con alta precisión, conciliación a tres vías, flujos de aprobación configurables por importe y departamento, pagos por SEPA y conexión nativa con tu software contable (Holded, Sage, A3).",{"_uid":3040,"title":3041,"component":471,"description":3042},"1eca101b-bbf0-4534-8a0e-0c83e848d741","¿Cómo se integra la automatización AP con un ERP como SAP o NetSuite?",{"type":107,"content":3043},[3044],{"type":110,"attrs":3045,"content":3046},{"textAlign":25},[3047],{"text":3048,"type":116},"Mediante conectores nativos o API, los datos de facturas, pagos y códigos contables se sincronizan automáticamente con el ERP, eliminando la re-entrada manual y garantizando que el libro mayor refleja la realidad en tiempo 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El software AP lo registra, lo vincula a la orden de compra correspondiente y lo descuenta automáticamente cuando llega la factura definitiva.",{"_uid":3060,"title":3061,"component":471,"description":3062},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":107,"content":3063},[3064],{"type":110,"attrs":3065,"content":3066},{"textAlign":25},[3067,3069,3075],{"text":3068,"type":116},"Para una empresa de 50 a 500 empleados, el proceso completo, incluyendo migración de datos de proveedores y formación del equipo, suele llevar entre cuatro y ocho semanas. --- Si tu empresa procesa decenas o cientos de facturas cada mes y el cierre contable sigue siendo un ejercicio manual, la automatización AP es el siguiente paso lógico. ",{"text":3070,"type":116,"marks":3071},"Solicita una demo",[3072],{"type":176,"attrs":3073},{"href":3074,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":3076,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3078],{"cta":3079,"_uid":3080,"title":3081,"eyebrow":3087,"subtitle":3092,"component":160,"textAlign":90,"flexibleSection":3097,"sectionSettings":3098,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":3082},[3083],{"type":160,"attrs":3084,"content":3085},{"level":537,"textAlign":25},[3086],{"text":540,"type":116},{"type":107,"content":3088},[3089],{"type":110,"attrs":3090,"content":3091},{"textAlign":25},[],{"type":107,"content":3093},[3094],{"type":110,"attrs":3095,"content":3096},{"textAlign":25},[],[],[],"automatizacion-cuentas-por-pagar","es/blog/automatizacion-cuentas-por-pagar",-1860,[],"02974883-ff5a-406b-ae71-689455771581","2026-06-10T13:00:50.663Z",[],"blog/automatizacion-cuentas-por-pagar",[3108,3109,3110],{"path":3106,"name":25,"lang":37,"published":25},{"path":3106,"name":25,"lang":39,"published":25},{"path":3106,"name":25,"lang":32,"published":25},{"name":3112,"created_at":3113,"published_at":3114,"updated_at":3115,"id":3116,"uuid":3117,"content":3118,"slug":3220,"full_slug":3221,"sort_by_date":25,"position":3222,"tag_list":3223,"is_startpage":28,"parent_id":558,"meta_data":25,"group_id":3224,"first_published_at":3225,"release_id":25,"lang":32,"path":25,"alternates":3226,"default_full_slug":3227,"translated_slugs":3228},"Mejor software de factura electrónica para empresas en España: comparativa 2025","2026-06-10T13:00:03.308Z","2026-06-10T13:15:09.015Z","2026-06-10T13:15:09.044Z",185986266409525,"f1b163ed-faef-4287-a973-bc4074bf1a32",{"_uid":3119,"title":3112,"topics":3120,"noIndex":28,"category":3129,"language":3138,"component":444,"heroMedia":3139,"metaTitle":3140,"publishedAt":90,"readingTime":460,"redirectUrl":90,"listingImage":3141,"metaDescription":3142,"bottomArticleCta":3143,"componentsAfterTheArticle":3144},"66aa9356-5ad3-4104-a0eb-d89593906e46",[3121],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3122,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3123,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3124,"default_full_slug":147,"translated_slugs":3125,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3126,3127,3128],{"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":432,"created_at":433,"published_at":16,"updated_at":434,"id":435,"uuid":436,"content":3130,"slug":444,"full_slug":445,"sort_by_date":25,"position":52,"tag_list":3132,"is_startpage":28,"parent_id":447,"meta_data":25,"group_id":448,"first_published_at":449,"release_id":25,"lang":32,"path":25,"alternates":3133,"default_full_slug":451,"translated_slugs":3134,"_stopResolving":41},{"_uid":438,"icon":3131,"name":432,"component":443},{"id":440,"alt":441,"name":90,"focus":90,"title":90,"filename":442,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3135,3136,3137],{"path":451,"name":25,"lang":37,"published":25},{"path":451,"name":25,"lang":39,"published":25},{"path":451,"name":25,"lang":32,"published":25},[32],[],"Mejor software de factura electrónica para empresas en Españ",[],"Comparativa de software de factura electrónica para empresas españolas ante Veri*Factu y Crea y Crece. Criterios clave, plataformas y cómo preparar tu empresa.",[],[3145],{"_uid":3146,"items":3147,"heading":3198,"component":553},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3148,3158,3168,3178,3188],{"_uid":3149,"title":3150,"component":471,"description":3151},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3152},[3153],{"type":110,"attrs":3154,"content":3155},{"textAlign":25},[3156],{"text":3157,"type":116},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":3159,"title":3160,"component":471,"description":3161},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":3162},[3163],{"type":110,"attrs":3164,"content":3165},{"textAlign":25},[3166],{"text":3167,"type":116},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":3169,"title":3170,"component":471,"description":3171},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":3172},[3173],{"type":110,"attrs":3174,"content":3175},{"textAlign":25},[3176],{"text":3177,"type":116},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. FACeB2B es su extensión para facilitar el intercambio de facturas electrónicas entre empresas privadas, aunque su adopción aún es limitada.",{"_uid":3179,"title":3180,"component":471,"description":3181},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":3182},[3183],{"type":110,"attrs":3184,"content":3185},{"textAlign":25},[3186],{"text":3187,"type":116},"No necesariamente, pero muchas herramientas de facturación se centran en la emisión. La recepción, validación y archivo de facturas entrantes requiere funcionalidad de cuentas por pagar que no todos los programas incluyen.",{"_uid":3189,"title":3190,"component":471,"description":3191},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":3192},[3193],{"type":110,"attrs":3194,"content":3195},{"textAlign":25},[3196],{"text":3197,"type":116},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. 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Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[3266],{"_uid":3267,"items":3268,"heading":3327,"component":553},"624a6787-08f1-4f35-8970-94eeedbbef72",[3269,3279,3289,3299,3309],{"_uid":3270,"title":3271,"component":471,"description":3272},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":3273},[3274],{"type":110,"attrs":3275,"content":3276},{"textAlign":25},[3277],{"text":3278,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3280,"title":3281,"component":471,"description":3282},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":3283},[3284],{"type":110,"attrs":3285,"content":3286},{"textAlign":25},[3287],{"text":3288,"type":116},"Sí, pero la declaración debe presentarse al menos cinco días antes del vencimiento. Pasado ese plazo, el pago requiere un código NRC emitido por el banco.",{"_uid":3290,"title":3291,"component":471,"description":3292},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":3293},[3294],{"type":110,"attrs":3295,"content":3296},{"textAlign":25},[3297],{"text":3298,"type":116},"Un resultado negativo (más IVA soportado que devengado) se compensa en trimestres posteriores. La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":3300,"title":3301,"component":471,"description":3302},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":3303},[3304],{"type":110,"attrs":3305,"content":3306},{"textAlign":25},[3307],{"text":3308,"type":116},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":3310,"title":3311,"component":471,"description":3312},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":3313},[3314],{"type":110,"attrs":3315,"content":3316},{"textAlign":25},[3317,3319,3325],{"text":3318,"type":116},"Sí. 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Guía paso a paso para equipos financieros.",[],[3412],{"_uid":3413,"items":3414,"heading":1090,"component":553},"d437e15a-ca83-40ff-962f-928bbc083496",[3415,3431,3441,3451,3461],{"_uid":3416,"title":3417,"component":471,"description":3418},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3419},[3420],{"type":110,"attrs":3421,"content":3422},{"textAlign":25},[3423,3425,3429],{"text":3424,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":173,"type":116,"marks":3426},[3427],{"type":176,"attrs":3428},{"href":178,"uuid":25,"anchor":25,"target":179,"linktype":98},{"text":3430,"type":116},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":3432,"title":3433,"component":471,"description":3434},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3435},[3436],{"type":110,"attrs":3437,"content":3438},{"textAlign":25},[3439],{"text":3440,"type":116},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":3442,"title":3443,"component":471,"description":3444},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3445},[3446],{"type":110,"attrs":3447,"content":3448},{"textAlign":25},[3449],{"text":3450,"type":116},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":3452,"title":3453,"component":471,"description":3454},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3455},[3456],{"type":110,"attrs":3457,"content":3458},{"textAlign":25},[3459],{"text":3460,"type":116},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":3462,"title":3463,"component":471,"description":3464},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3465},[3466],{"type":110,"attrs":3467,"content":3468},{"textAlign":25},[3469,3471,3476,3478,3484],{"text":3470,"type":116},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":3472,"type":116,"marks":3473},"conciliación",[3474],{"type":176,"attrs":3475},{"href":422,"uuid":25,"anchor":25,"target":179,"linktype":98},{"text":3477,"type":116},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":3479,"type":116,"marks":3480},"visita spendesk.com/es/",[3481],{"type":176,"attrs":3482},{"href":3483,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/",{"text":1891,"type":116},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1720,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02",[],"blog/calculo-periodo-medio-pago-proveedores",[3493,3494,3495],{"path":3491,"name":25,"lang":37,"published":25},{"path":3491,"name":25,"lang":39,"published":25},{"path":3491,"name":25,"lang":32,"published":25},{"name":3497,"created_at":3498,"published_at":3499,"updated_at":3500,"id":3501,"uuid":3502,"content":3503,"slug":3611,"full_slug":3612,"sort_by_date":25,"position":3613,"tag_list":3614,"is_startpage":28,"parent_id":558,"meta_data":25,"group_id":3615,"first_published_at":3616,"release_id":25,"lang":32,"path":25,"alternates":3617,"default_full_slug":3618,"translated_slugs":3619},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-06-02T11:11:02.810Z","2026-06-02T11:11:02.830Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":3504,"title":3497,"topics":3505,"noIndex":28,"category":3522,"language":3531,"component":444,"heroMedia":3532,"metaTitle":3533,"publishedAt":90,"readingTime":2882,"redirectUrl":90,"listingImage":3534,"metaDescription":3535,"bottomArticleCta":3536,"componentsAfterTheArticle":3537},"c037fbcf-4158-4dad-96d1-4603185c9798",[3506,3514],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3507,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3508,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3509,"default_full_slug":147,"translated_slugs":3510,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3511,3512,3513],{"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":3380,"created_at":3381,"published_at":16,"updated_at":3382,"id":3383,"uuid":3384,"content":3515,"slug":3386,"full_slug":3387,"sort_by_date":25,"position":141,"tag_list":3516,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3389,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3517,"default_full_slug":3391,"translated_slugs":3518,"_stopResolving":41},{"_uid":138,"name":3380,"component":22},[],[],[3519,3520,3521],{"path":3391,"name":25,"lang":37,"published":25},{"path":3391,"name":25,"lang":39,"published":25},{"path":3391,"name":25,"lang":32,"published":25},{"name":432,"created_at":433,"published_at":16,"updated_at":434,"id":435,"uuid":436,"content":3523,"slug":444,"full_slug":445,"sort_by_date":25,"position":52,"tag_list":3525,"is_startpage":28,"parent_id":447,"meta_data":25,"group_id":448,"first_published_at":449,"release_id":25,"lang":32,"path":25,"alternates":3526,"default_full_slug":451,"translated_slugs":3527,"_stopResolving":41},{"_uid":438,"icon":3524,"name":432,"component":443},{"id":440,"alt":441,"name":90,"focus":90,"title":90,"filename":442,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3528,3529,3530],{"path":451,"name":25,"lang":37,"published":25},{"path":451,"name":25,"lang":39,"published":25},{"path":451,"name":25,"lang":32,"published":25},[32],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp",[],"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[3538],{"_uid":3539,"items":3540,"heading":1090,"component":553},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3541,3551,3561,3571,3581,3591,3601],{"_uid":3542,"title":3543,"component":471,"description":3544},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3545},[3546],{"type":110,"attrs":3547,"content":3548},{"textAlign":25},[3549],{"text":3550,"type":116},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":3552,"title":3553,"component":471,"description":3554},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3555},[3556],{"type":110,"attrs":3557,"content":3558},{"textAlign":25},[3559],{"text":3560,"type":116},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":3562,"title":3563,"component":471,"description":3564},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3565},[3566],{"type":110,"attrs":3567,"content":3568},{"textAlign":25},[3569],{"text":3570,"type":116},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":3572,"title":3573,"component":471,"description":3574},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3575},[3576],{"type":110,"attrs":3577,"content":3578},{"textAlign":25},[3579],{"text":3580,"type":116},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":3582,"title":3583,"component":471,"description":3584},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3585},[3586],{"type":110,"attrs":3587,"content":3588},{"textAlign":25},[3589],{"text":3590,"type":116},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":3592,"title":3593,"component":471,"description":3594},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3595},[3596],{"type":110,"attrs":3597,"content":3598},{"textAlign":25},[3599],{"text":3600,"type":116},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":3602,"title":3603,"component":471,"description":3604},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3605},[3606],{"type":110,"attrs":3607,"content":3608},{"textAlign":25},[3609],{"text":3610,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1700,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[3620,3621,3622],{"path":3618,"name":25,"lang":37,"published":25},{"path":3618,"name":25,"lang":39,"published":25},{"path":3618,"name":25,"lang":32,"published":25},{"name":3624,"created_at":3625,"published_at":3626,"updated_at":3627,"id":3628,"uuid":3629,"content":3630,"slug":3718,"full_slug":3719,"sort_by_date":25,"position":3720,"tag_list":3721,"is_startpage":28,"parent_id":558,"meta_data":25,"group_id":3722,"first_published_at":3626,"release_id":25,"lang":32,"path":25,"alternates":3723,"default_full_slug":3724,"translated_slugs":3725},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-06-02T11:09:32.332Z","2026-06-02T11:09:32.352Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":3631,"title":3624,"topics":3632,"noIndex":28,"category":3649,"language":3658,"component":444,"heroMedia":3659,"metaTitle":3660,"publishedAt":90,"readingTime":2882,"redirectUrl":90,"listingImage":3661,"metaDescription":3662,"bottomArticleCta":3663,"componentsAfterTheArticle":3664},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3633,3641],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3634,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3635,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3636,"default_full_slug":147,"translated_slugs":3637,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3638,3639,3640],{"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":3380,"created_at":3381,"published_at":16,"updated_at":3382,"id":3383,"uuid":3384,"content":3642,"slug":3386,"full_slug":3387,"sort_by_date":25,"position":141,"tag_list":3643,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3389,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3644,"default_full_slug":3391,"translated_slugs":3645,"_stopResolving":41},{"_uid":138,"name":3380,"component":22},[],[],[3646,3647,3648],{"path":3391,"name":25,"lang":37,"published":25},{"path":3391,"name":25,"lang":39,"published":25},{"path":3391,"name":25,"lang":32,"published":25},{"name":432,"created_at":433,"published_at":16,"updated_at":434,"id":435,"uuid":436,"content":3650,"slug":444,"full_slug":445,"sort_by_date":25,"position":52,"tag_list":3652,"is_startpage":28,"parent_id":447,"meta_data":25,"group_id":448,"first_published_at":449,"release_id":25,"lang":32,"path":25,"alternates":3653,"default_full_slug":451,"translated_slugs":3654,"_stopResolving":41},{"_uid":438,"icon":3651,"name":432,"component":443},{"id":440,"alt":441,"name":90,"focus":90,"title":90,"filename":442,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3655,3656,3657],{"path":451,"name":25,"lang":37,"published":25},{"path":451,"name":25,"lang":39,"published":25},{"path":451,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co",[],"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[3665],{"_uid":3666,"items":3667,"heading":1090,"component":553},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3668,3678,3688,3698,3708],{"_uid":3669,"title":3670,"component":471,"description":3671},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3672},[3673],{"type":110,"attrs":3674,"content":3675},{"textAlign":25},[3676],{"text":3677,"type":116},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":3679,"title":3680,"component":471,"description":3681},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":3682},[3683],{"type":110,"attrs":3684,"content":3685},{"textAlign":25},[3686],{"text":3687,"type":116},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":3689,"title":3690,"component":471,"description":3691},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":3692},[3693],{"type":110,"attrs":3694,"content":3695},{"textAlign":25},[3696],{"text":3697,"type":116},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":3699,"title":3700,"component":471,"description":3701},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":3702},[3703],{"type":110,"attrs":3704,"content":3705},{"textAlign":25},[3706],{"text":3707,"type":116},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. Sin embargo, las empresas que no cumplan con la obligación de comunicar el estado de pago de sus facturas pueden quedar excluidas de estas ayudas y otras subvenciones públicas.",{"_uid":3709,"title":3710,"component":471,"description":3711},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":3712},[3713],{"type":110,"attrs":3714,"content":3715},{"textAlign":25},[3716],{"text":3717,"type":116},"No. Los territorios forales tienen competencia fiscal propia. En el País Vasco, el sistema TicketBAI lleva operativo desde 2022 y sustituye al régimen nacional. Navarra tiene su propia regulación. 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La plataforma permite exportar informes de IVA, historiales de aprobación y documentos digitales, facilitando auditorías internas y externas y proporcionando trazabilidad completa de cada factura desde recepción hasta pago.",[4142],{"cta":4143,"_uid":4144,"title":4145,"eyebrow":4152,"subtitle":4155,"component":160,"textAlign":90,"sectionSettings":4158,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"72a2abb9-de4d-403c-a3dd-cd7be666aae8",{"type":107,"content":4146},[4147],{"type":160,"attrs":4148,"content":4149},{"level":537},[4150],{"text":4151,"type":116},"Gestion De Facturas — FAQ",{"type":107,"content":4153},[4154],{"type":110},{"type":107,"content":4156},[4157],{"type":110},[],[4160],{"_uid":4161,"hide":28,"theme":3921,"anchorId":90,"component":3922,"spacingTop":90,"hideOnDevices":4162,"spacingBottom":90,"floatingImages":4163,"variableOverrides":4164},"ca30be68-b384-4c9e-be91-5c053ea07cc3",[],[],[],"gestion-de-facturas","es/blog/gestion-de-facturas",530,[],"042a182e-0207-48fc-aee1-0823f7aad74b","2023-06-08T09:11:53.947Z",[],"blog/gestion-de-facturas",[4174,4175,4176],{"path":4172,"name":25,"lang":37,"published":25},{"path":4172,"name":25,"lang":39,"published":25},{"path":4172,"name":25,"lang":32,"published":25},[4178,4179,4180,4181],["Reactive",3813],["Reactive",3232],["Reactive",4057],["Reactive",2982],1782919608261]