[{"data":1,"prerenderedAt":4230},["ShallowReactive",2],{"es-blog/pagos-sepa-espana-2026":3,"es-global-content":614,"es-article-global-content":2179,"es-blog-article-more-articles-4668b877-0b51-432a-8e0b-149cbe020955":2429,"es-blog-article-more-articles-193434575881456":4225},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":602,"full_slug":603,"sort_by_date":25,"position":604,"tag_list":605,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":607,"first_published_at":6,"release_id":25,"lang":32,"path":25,"alternates":608,"default_full_slug":609,"translated_slugs":610},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean 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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},[154,159,166,190,196,202,208,213,218,223,228,241,254,259,265,279,285,299,304,310,316,322,328,334,399,405,427,432,454,468,474],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"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 de la cuenta no coincide con el IBAN, el banco te avisa y, en algunos casos, la operación se detiene. A esto se suma un segundo cambio: a partir del 15 de noviembre de 2026, los ficheros de pago SEPA deben incluir las direcciones de los beneficiarios en formato estructurado, no como texto libre. Ambos cambios afectan directamente al equipo de tesorería y cuentas a pagar. Este artículo explica qué implica cada uno, cómo comprobar el IBAN y los datos de proveedores antes de un pago masivo, y qué ajustes técnicos conviene abordar antes de noviembre.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"La verificación del beneficiario ya bloquea transferencias SEPA con datos incorrectos",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170,172,180,182,188],{"text":171,"type":116},"La verificación del beneficiario (Verification of Payee, VoP) es obligatoria en toda la zona SEPA desde el 9 de octubre de 2025, según el ",{"text":173,"type":116,"marks":174},"Reglamento (UE) 2024/886",[175],{"type":176,"attrs":177},"link",{"href":178,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/buscar/doc.php?id=DOUE-L-2024-80392","_blank",{"text":181,"type":116},". El ",{"text":183,"type":116,"marks":184},"Banco de España",[185],{"type":176,"attrs":186},{"href":187,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://clientebancario.bde.es/pcb/es/blog/nuevo-servicio-gratuito-de-verificacion-del-beneficiario-a-partir-del-9-de-octubre-de-2025-.html",{"text":189,"type":116}," confirma que el servicio es gratuito para todos los clientes. Antes de que el banco ejecute cualquier transferencia SEPA, comprueba el nombre del beneficiario con la entidad receptora y devuelve uno de cuatro resultados: coincide, coincide parcialmente, no coincide o no está disponible.",{"type":110,"attrs":191,"content":193},{"textAlign":25,"key":192},"p-2",[194],{"text":195,"type":116},"Cuando el resultado es \"no coincide\", el banco emisor muestra una alerta. El ordenante puede decidir continuar, pero asume el riesgo: si la transferencia resulta fraudulenta, la entidad financiera puede negarse a reembolsar el importe. En el caso de empresas, la verificación contrasta el nombre registrado de la sociedad, y puede utilizar identificadores como el NIF, el EUID o el LEI.",{"type":110,"attrs":197,"content":199},{"textAlign":25,"key":198},"p-3",[200],{"text":201,"type":116},"Un Responsable de Tesorería que lanza un lote de 40 pagos a proveedores un viernes por la tarde puede encontrarse con tres transferencias marcadas como \"no coincide\" porque uno de los proveedores cambió su razón social tras una fusión y nadie actualizó los datos maestros. El lote completo se retrasa, los proveedores reclaman y el cierre semanal se complica.",{"type":110,"attrs":203,"content":205},{"textAlign":25,"key":204},"p-4",[206],{"text":207,"type":116},"La verificación es gratuita y automática; la realiza el banco como parte del proceso de la transferencia SEPA. Lo que sí exige es que los datos que tu empresa envía en el fichero de pago sean exactos.",{"type":160,"attrs":209,"content":210},{"level":162,"textAlign":25},[211],{"text":212,"type":116},"Cómo comprobar el IBAN y los datos de proveedores antes de un pago masivo",{"type":110,"attrs":214,"content":215},{"textAlign":25,"key":112},[216],{"text":217,"type":116},"La validación de un IBAN tiene dos capas distintas, y conviene entender ambas para evitar rechazos.",{"type":110,"attrs":219,"content":220},{"textAlign":25,"key":168},[221],{"text":222,"type":116},"La primera es la validación estructural. Consiste en verificar que el IBAN tiene el código de país correcto, la longitud adecuada (24 caracteres para España) y que los dígitos de control son coherentes. Cualquier comprobador de IBAN realiza esta verificación en segundos. Un Controller en una empresa de 120 empleados que copia un IBAN desde una factura en PDF y pega el dato en el ERP puede detectar un dígito erróneo de forma inmediata con este tipo de validación, evitando una comisión por rechazo y un retraso en el pago al proveedor.",{"type":110,"attrs":224,"content":225},{"textAlign":25,"key":192},[226],{"text":227,"type":116},"La segunda capa es la verificación del nombre del titular, que es precisamente lo que hace la VoP. Un IBAN puede ser estructuralmente correcto y, sin embargo, pertenecer a una cuenta cuyo titular no coincide con el proveedor al que pretendes pagar.",{"type":110,"attrs":229,"content":230},{"textAlign":25,"key":198},[231,233,239],{"text":232,"type":116},"Una buena ",{"text":234,"type":116,"marks":235},"gestión de las cuentas por pagar",[236],{"type":176,"attrs":237},{"href":238,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":240,"type":116}," empieza por tener datos limpios. Para preparar un lote de pagos con garantías, conviene seguir un proceso ordenado. Primero, exporta los datos maestros de proveedores desde tu ERP o software contable: razón social, IBAN, dirección y NIF. Segundo, ejecuta una validación estructural de todos los IBAN para descartar errores de formato. Tercero, contrasta las razones sociales con la documentación oficial del proveedor o con el Registro Mercantil; el nombre debe coincidir exactamente con el que la entidad bancaria tiene registrado. Cuarto, para proveedores nuevos, solicita un certificado de titularidad bancaria antes de registrar el IBAN en el sistema. Quinto, revisa los registros que no se hayan verificado en los últimos 12 meses y colócalos en una cola de revisión antes del siguiente pago masivo.",{"type":110,"attrs":242,"content":243},{"textAlign":25,"key":204},[244,246,252],{"text":245,"type":116},"Este proceso de comprobar el IBAN de cada cuenta no es un trámite puntual; es una práctica recurrente que debería ejecutarse antes de cada ciclo de pagos. Conviene también comprobar el IBAN de la cuenta de destino cuando un proveedor comunica un cambio de entidad bancaria. La ",{"text":247,"type":116,"marks":248},"conciliación bancaria",[249],{"type":176,"attrs":250},{"href":251,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":253,"type":116}," posterior confirmará que los importes pagados coinciden con los registros internos.",{"type":160,"attrs":255,"content":256},{"level":162,"textAlign":25},[257],{"text":258,"type":116},"El fraude en transferencias a proveedores y el papel de la verificación del beneficiario",{"type":110,"attrs":260,"content":262},{"textAlign":25,"key":261},"p-5",[263],{"text":264,"type":116},"Las transferencias SEPA son el canal de pago dominante en toda la zona SEPA, que abarca 36 países europeos, y también la principal vía de entrada de dos tipos de fraude que afectan a los equipos de cuentas a pagar.",{"type":110,"attrs":266,"content":268},{"textAlign":25,"key":267},"p-6",[269,271,277],{"text":270,"type":116},"El primero es la suplantación de proveedor. Un atacante envía un correo electrónico convincente, a menudo desde una dirección casi idéntica a la del proveedor real, solicitando un cambio de cuenta bancaria. Sin la verificación del beneficiario, el equipo de cuentas a pagar no dispone de un mecanismo automático para detectar que la nueva cuenta no pertenece al proveedor. Una ",{"text":272,"type":116,"marks":273},"gestión de facturas",[274],{"type":176,"attrs":275},{"href":276,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":278,"type":116}," rigurosa ayuda a detectar estas inconsistencias, pero no sustituye la verificación bancaria. Un especialista de cuentas a pagar que recibe esta solicitud y actualiza el IBAN en el sistema puede no descubrir el fraude hasta semanas después, cuando el proveedor legítimo reclama el pago pendiente. Con la VoP activa, la siguiente transferencia bancaria SEPA devuelve \"no coincide\" porque el titular de la cuenta nueva no corresponde con la razón social del proveedor.",{"type":110,"attrs":280,"content":282},{"textAlign":25,"key":281},"p-7",[283],{"text":284,"type":116},"El segundo es el fraude al CEO: una solicitud de pago urgente desde una dirección que imita a un directivo de la empresa. La VoP señala la discrepancia entre el nombre del supuesto receptor y el titular real de la cuenta.",{"type":110,"attrs":286,"content":288},{"textAlign":25,"key":287},"p-8",[289,291,297],{"text":290,"type":116},"La verificación no elimina todo el fraude, pero añade una capa de control a nivel de infraestructura bancaria, complementaria a los controles internos de la empresa. Además, si la entidad financiera no ejecuta la verificación correctamente y se produce una transferencia fraudulenta, el Reglamento (UE) 2024/886 obliga al banco a reembolsar al ordenante, como detalla la ",{"text":292,"type":116,"marks":293},"Abogacía Española",[294],{"type":176,"attrs":295},{"href":296,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.abogacia.es/publicaciones/blogs/blog-de-derecho-de-los-los-consumidores/verificacion-del-beneficiario-en-las-transferencias-un-paso-crucial-para-la-transparencia-y-seguridad-financiera/",{"text":298,"type":116}," en su análisis del marco legal.",{"type":160,"attrs":300,"content":301},{"level":162,"textAlign":25},[302],{"text":303,"type":116},"La limpieza de datos de proveedores como proyecto de cumplimiento normativo",{"type":110,"attrs":305,"content":307},{"textAlign":25,"key":306},"p-9",[308],{"text":309,"type":116},"La convergencia de la VoP y el nuevo formato de dirección estructurada convierte la limpieza de datos de proveedores en un proyecto de cumplimiento normativo con fecha límite, no en una tarea que se pueda ir posponiendo.",{"type":110,"attrs":311,"content":313},{"textAlign":25,"key":312},"p-10",[314],{"text":315,"type":116},"El primer paso es dimensionar el alcance. Una empresa de 200 empleados con 300 proveedores activos puede descubrir que el 15 % de sus registros tiene discrepancias en el nombre: \"Transportes García\" en el sistema interno frente a \"Transportes García López S.L.\" en los registros bancarios. Corregir cada caso manualmente requiere entre 10 y 15 minutos de verificación documental. A escala, el proyecto puede consumir semanas de trabajo del equipo de cuentas a pagar.",{"type":110,"attrs":317,"content":319},{"textAlign":25,"key":318},"p-11",[320],{"text":321,"type":116},"Los campos que necesitan revisión son cuatro: razón social (debe coincidir exactamente con el registro bancario), IBAN (validación estructural más verificación de titularidad previa a la VoP), dirección (debe estar en formato estructurado antes de noviembre de 2026) y NIF.",{"type":160,"attrs":323,"content":325},{"level":324,"textAlign":25},3,[326],{"text":327,"type":116},"Tu equipo de cuentas a pagar puede prepararse para la VoP y la dirección estructurada antes de noviembre de 2026",{"type":110,"attrs":329,"content":331},{"textAlign":25,"key":330},"p-12",[332],{"text":333,"type":116},"La VoP ya está activa y el plazo de dirección estructurada vence en noviembre de 2026. Estas son las acciones que tu equipo de cuentas a pagar debería completar antes de esa fecha para garantizar que ninguno de los dos requisitos bloquee tus pagos SEPA.",{"type":335,"content":336},"ordered_list",[337,351,363,375,387],{"type":338,"content":339},"list_item",[340],{"type":110,"attrs":341,"content":343},{"textAlign":25,"key":342},"p-13",[344,349],{"text":345,"type":116,"marks":346},"Audita la razón social en tu ERP contra los registros bancarios.",[347],{"type":348},"bold",{"text":350,"type":116}," El nombre debe coincidir de forma exacta con el que la entidad receptora tiene registrado. Una discrepancia, aunque sea una abreviatura o la omisión del \"S.L.\", provocará un resultado \"no coincide\" en la VoP.",{"type":338,"content":352},[353],{"type":110,"attrs":354,"content":356},{"textAlign":25,"key":355},"p-14",[357,361],{"text":358,"type":116,"marks":359},"Ejecuta una validación estructural de IBAN en todos los proveedores activos.",[360],{"type":348},{"text":362,"type":116}," Para cualquier proveedor incorporado en los últimos 12 meses sin certificado de titularidad bancaria, solicítalo antes del siguiente ciclo de pagos.",{"type":338,"content":364},[365],{"type":110,"attrs":366,"content":368},{"textAlign":25,"key":367},"p-15",[369,373],{"text":370,"type":116,"marks":371},"Convierte las direcciones de texto libre a formato estructurado.",[372],{"type":348},{"text":374,"type":116}," Separa cada dirección en campos independientes: calle, número, código postal, ciudad y país. El formato pain.001 exigirá estos campos desglosados a partir de noviembre de 2026.",{"type":338,"content":376},[377],{"type":110,"attrs":378,"content":380},{"textAlign":25,"key":379},"p-16",[381,385],{"text":382,"type":116,"marks":383},"Cruza el NIF de cada proveedor con el Registro Mercantil o el censo de la AEAT.",[384],{"type":348},{"text":386,"type":116}," Esto confirma que la entidad está activa y que los datos fiscales son coherentes con el resto del registro.",{"type":338,"content":388},[389],{"type":110,"attrs":390,"content":392},{"textAlign":25,"key":391},"p-17",[393,397],{"text":394,"type":116,"marks":395},"Marca cualquier registro de proveedor no revisado en los últimos 12 meses y programa su verificación antes del próximo ciclo de pagos.",[396],{"type":348},{"text":398,"type":116}," Los registros obsoletos son la causa más frecuente de rechazos en lotes masivos.",{"type":110,"attrs":400,"content":402},{"textAlign":25,"key":401},"p-18",[403],{"text":404,"type":116},"Los errores más habituales son nombres abreviados que no coinciden con los registros bancarios, IBAN de cuentas cerradas que nunca se actualizaron y direcciones almacenadas como texto libre en un solo campo.",{"type":110,"attrs":406,"content":408},{"textAlign":25,"key":407},"p-19",[409,411,417,419,425],{"text":410,"type":116},"Las plataformas de ",{"text":412,"type":116,"marks":413},"automatización de cuentas a pagar",[414],{"type":176,"attrs":415},{"href":416,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/platform/invoice-management/",{"text":418,"type":116}," que centralizan los datos de proveedores, validan el IBAN en el momento de la recepción de la factura y generan ficheros de pago SEPA reducen la carga manual de este tipo de proyectos. Combinadas con un flujo de ",{"text":420,"type":116,"marks":421},"procesamiento de facturas de proveedores",[422],{"type":176,"attrs":423},{"href":424,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":426,"type":116}," digitalizado, la limpieza de datos deja de ser un proyecto aislado. Cuando los datos del proveedor se capturan y verifican en el punto de procesamiento de la factura, la información ya está limpia antes de llegar al fichero de pago. Spendesk, que integra el procesamiento de facturas con OCR, los flujos de aprobación configurables y el pago a proveedores vía SEPA en una sola plataforma, permite abordar esta limpieza como parte del flujo habitual de trabajo, no como un proyecto paralelo.",{"type":160,"attrs":428,"content":429},{"level":162,"textAlign":25},[430],{"text":431,"type":116},"El plazo de dirección estructurada del 15 de noviembre de 2026 y sus implicaciones técnicas",{"type":110,"attrs":433,"content":435},{"textAlign":25,"key":434},"p-20",[436,438,444,446,452],{"text":437,"type":116},"A partir del 15 de noviembre de 2026, los ficheros de pago SEPA en formato pain.001 deben incluir la dirección del beneficiario desglosada en campos independientes: nombre de la calle, número del edificio, código postal, ciudad y país. 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Si el proveedor del software no ha publicado la actualización correspondiente y la fecha límite está cada vez más cerca, el riesgo de rechazo de ficheros de pago es real.",{"type":110,"attrs":469,"content":471},{"textAlign":25,"key":470},"p-22",[472],{"text":473,"type":116},"Las entidades bancarias rechazarán los ficheros que no cumplan con el nuevo formato, lo que significa que los pagos SEPA de las empresas que no hayan adaptado sus sistemas quedarán bloqueados.",{"type":110,"attrs":475,"content":477},{"textAlign":25,"key":476},"p-23",[478],{"text":479,"type":116},"Las plataformas de pago que generan ficheros SEPA XML de forma nativa pueden absorber esta transición de formato internamente. El equipo de cuentas a pagar actualiza la dirección del proveedor una vez en la plataforma, y el sistema genera el XML con la estructura de dirección conforme al nuevo estándar. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2376,"content":2377},{"textAlign":25},[2378,2382,2383],{"text":2379,"type":116,"marks":2380},"Para los equipos financieros",[2381],{"type":348},{"type":2212},{"text":2384,"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":2386,"content":2387},{"textAlign":25},[2388],{"text":2389,"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":2391,"content":2392},{"textAlign":25},[2393],{"text":2394,"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":2396,"content":2397},{"textAlign":25},[2398],{"text":2399,"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":2401,"content":2402},{"textAlign":25},[2403],{"text":2404,"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.",[2406],{"cta":2407,"_uid":2408,"title":2409,"eyebrow":2416,"subtitle":2419,"component":160,"textAlign":90,"sectionSettings":2425,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2410},[2411],{"type":160,"attrs":2412,"content":2413},{"level":162},[2414],{"text":2415,"type":116},"Empezar con Spendesk",{"type":107,"content":2417},[2418],{"type":110},{"type":107,"content":2420},[2421],{"type":110,"content":2422},[2423],{"text":2424,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2430,2561,2681,2802,2898,3028,3157,3278,3407,3544,3671,3777,3861,3986,4105],{"name":2431,"created_at":2432,"published_at":2433,"updated_at":2434,"id":2435,"uuid":2436,"content":2437,"slug":2550,"full_slug":2551,"sort_by_date":25,"position":2552,"tag_list":2553,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":2554,"first_published_at":2433,"release_id":25,"lang":32,"path":25,"alternates":2555,"default_full_slug":2556,"translated_slugs":2557},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-01T14:17:36.219Z","2026-07-01T14:17:36.245Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":2438,"title":2431,"topics":2439,"noIndex":28,"category":2448,"language":2457,"component":493,"heroMedia":2458,"metaTitle":2459,"publishedAt":90,"readingTime":2460,"redirectUrl":90,"listingImage":2461,"metaDescription":2462,"bottomArticleCta":2463,"componentsAfterTheArticle":2464},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2440],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2441,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2442,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2443,"default_full_slug":147,"translated_slugs":2444,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2445,2446,2447],{"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":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":2449,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":2451,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":2452,"default_full_slug":500,"translated_slugs":2453,"_stopResolving":41},{"_uid":487,"icon":2450,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2454,2455,2456],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","10",[],"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[2465],{"_uid":2466,"items":2467,"heading":2528,"component":601},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2468,2478,2488,2498,2508,2518],{"_uid":2469,"title":2470,"component":520,"description":2471},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":2472},[2473],{"type":110,"attrs":2474,"content":2475},{"textAlign":25},[2476],{"text":2477,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":2479,"title":2480,"component":520,"description":2481},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":2482},[2483],{"type":110,"attrs":2484,"content":2485},{"textAlign":25},[2486],{"text":2487,"type":116},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":2489,"title":2490,"component":520,"description":2491},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":107,"content":2492},[2493],{"type":110,"attrs":2494,"content":2495},{"textAlign":25},[2496],{"text":2497,"type":116},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":2499,"title":2500,"component":520,"description":2501},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":2502},[2503],{"type":110,"attrs":2504,"content":2505},{"textAlign":25},[2506],{"text":2507,"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":2509,"title":2510,"component":520,"description":2511},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":2512},[2513],{"type":110,"attrs":2514,"content":2515},{"textAlign":25},[2516],{"text":2517,"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":2519,"title":2520,"component":520,"description":2521},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":2522},[2523],{"type":110,"attrs":2524,"content":2525},{"textAlign":25},[2526],{"text":2527,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. La facturación electrónica B2B (Crea y Crece) se implantará con plazos de un año para empresas con facturación superior a ocho millones de euros y dos años para pymes, contados desde la publicación del RD 238/2026.",[2529],{"cta":2530,"_uid":2531,"title":2532,"eyebrow":2538,"subtitle":2543,"component":160,"textAlign":90,"flexibleSection":2548,"sectionSettings":2549,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":2533},[2534],{"type":160,"attrs":2535,"content":2536},{"level":162,"textAlign":25},[2537],{"text":588,"type":116},{"type":107,"content":2539},[2540],{"type":110,"attrs":2541,"content":2542},{"textAlign":25},[],{"type":107,"content":2544},[2545],{"type":110,"attrs":2546,"content":2547},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2110,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614",[],"blog/morosidad-facturacion-electronica-b2b",[2558,2559,2560],{"path":2556,"name":25,"lang":37,"published":25},{"path":2556,"name":25,"lang":39,"published":25},{"path":2556,"name":25,"lang":32,"published":25},{"name":2562,"created_at":2563,"published_at":2564,"updated_at":2565,"id":2566,"uuid":2567,"content":2568,"slug":2670,"full_slug":2671,"sort_by_date":25,"position":2672,"tag_list":2673,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":2674,"first_published_at":2564,"release_id":25,"lang":32,"path":25,"alternates":2675,"default_full_slug":2676,"translated_slugs":2677},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-01T14:14:31.808Z","2026-07-01T14:14:31.830Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":2569,"title":2562,"topics":2570,"noIndex":28,"category":2579,"language":2588,"component":493,"heroMedia":2589,"metaTitle":2590,"publishedAt":90,"readingTime":2460,"redirectUrl":90,"listingImage":2591,"metaDescription":2592,"bottomArticleCta":2593,"componentsAfterTheArticle":2594},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2571],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2572,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2573,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2574,"default_full_slug":147,"translated_slugs":2575,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2576,2577,2578],{"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":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":2580,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":2582,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":2583,"default_full_slug":500,"translated_slugs":2584,"_stopResolving":41},{"_uid":487,"icon":2581,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2585,2586,2587],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver",[],"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[2595],{"_uid":2596,"items":2597,"heading":2648,"component":601},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[2598,2608,2618,2628,2638],{"_uid":2599,"title":2600,"component":520,"description":2601},"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":2602},[2603],{"type":110,"attrs":2604,"content":2605},{"textAlign":25},[2606],{"text":2607,"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":2609,"title":2610,"component":520,"description":2611},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":2612},[2613],{"type":110,"attrs":2614,"content":2615},{"textAlign":25},[2616],{"text":2617,"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":2619,"title":2620,"component":520,"description":2621},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":2622},[2623],{"type":110,"attrs":2624,"content":2625},{"textAlign":25},[2626],{"text":2627,"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":2629,"title":2630,"component":520,"description":2631},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":2632},[2633],{"type":110,"attrs":2634,"content":2635},{"textAlign":25},[2636],{"text":2637,"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":2639,"title":2640,"component":520,"description":2641},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":2642},[2643],{"type":110,"attrs":2644,"content":2645},{"textAlign":25},[2646],{"text":2647,"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.",[2649],{"cta":2650,"_uid":2651,"title":2652,"eyebrow":2658,"subtitle":2663,"component":160,"textAlign":90,"flexibleSection":2668,"sectionSettings":2669,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":2653},[2654],{"type":160,"attrs":2655,"content":2656},{"level":162,"textAlign":25},[2657],{"text":588,"type":116},{"type":107,"content":2659},[2660],{"type":110,"attrs":2661,"content":2662},{"textAlign":25},[],{"type":107,"content":2664},[2665],{"type":110,"attrs":2666,"content":2667},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2100,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0",[],"blog/auditar-software-facturacion-verifactu",[2678,2679,2680],{"path":2676,"name":25,"lang":37,"published":25},{"path":2676,"name":25,"lang":39,"published":25},{"path":2676,"name":25,"lang":32,"published":25},{"name":2682,"created_at":2683,"published_at":2684,"updated_at":2685,"id":2686,"uuid":2687,"content":2688,"slug":2791,"full_slug":2792,"sort_by_date":25,"position":2793,"tag_list":2794,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":2795,"first_published_at":2684,"release_id":25,"lang":32,"path":25,"alternates":2796,"default_full_slug":2797,"translated_slugs":2798},"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","2026-07-01T14:12:27.111Z","2026-07-01T14:12:27.134Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":2689,"title":2682,"topics":2690,"noIndex":28,"category":2699,"language":2708,"component":493,"heroMedia":2709,"metaTitle":2710,"publishedAt":90,"readingTime":2711,"redirectUrl":90,"listingImage":2712,"metaDescription":2713,"bottomArticleCta":2714,"componentsAfterTheArticle":2715},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[2691],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2692,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2693,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2694,"default_full_slug":147,"translated_slugs":2695,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2696,2697,2698],{"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":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":2700,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":2702,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":2703,"default_full_slug":500,"translated_slugs":2704,"_stopResolving":41},{"_uid":487,"icon":2701,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2705,2706,2707],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","13",[],"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[2716],{"_uid":2717,"items":2718,"heading":2769,"component":601},"392b2cba-2459-4fae-9ca3-82a370a248fc",[2719,2729,2739,2749,2759],{"_uid":2720,"title":2721,"component":520,"description":2722},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":2723},[2724],{"type":110,"attrs":2725,"content":2726},{"textAlign":25},[2727],{"text":2728,"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":2730,"title":2731,"component":520,"description":2732},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":2733},[2734],{"type":110,"attrs":2735,"content":2736},{"textAlign":25},[2737],{"text":2738,"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":2740,"title":2741,"component":520,"description":2742},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":2743},[2744],{"type":110,"attrs":2745,"content":2746},{"textAlign":25},[2747],{"text":2748,"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":2750,"title":2751,"component":520,"description":2752},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":2753},[2754],{"type":110,"attrs":2755,"content":2756},{"textAlign":25},[2757],{"text":2758,"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":2760,"title":2761,"component":520,"description":2762},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":2763},[2764],{"type":110,"attrs":2765,"content":2766},{"textAlign":25},[2767],{"text":2768,"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 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",{"text":3116,"type":116,"marks":3117},"Solicita una demo",[3118],{"type":176,"attrs":3119},{"href":3120,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":3122,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3124],{"cta":3125,"_uid":3126,"title":3127,"eyebrow":3133,"subtitle":3138,"component":160,"textAlign":90,"flexibleSection":3143,"sectionSettings":3144,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":3128},[3129],{"type":160,"attrs":3130,"content":3131},{"level":162,"textAlign":25},[3132],{"text":588,"type":116},{"type":107,"content":3134},[3135],{"type":110,"attrs":3136,"content":3137},{"textAlign":25},[],{"type":107,"content":3139},[3140],{"type":110,"attrs":3141,"content":3142},{"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",[3154,3155,3156],{"path":3152,"name":25,"lang":37,"published":25},{"path":3152,"name":25,"lang":39,"published":25},{"path":3152,"name":25,"lang":32,"published":25},{"name":3158,"created_at":3159,"published_at":3160,"updated_at":3161,"id":3162,"uuid":3163,"content":3164,"slug":3266,"full_slug":3267,"sort_by_date":25,"position":3268,"tag_list":3269,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":3270,"first_published_at":3271,"release_id":25,"lang":32,"path":25,"alternates":3272,"default_full_slug":3273,"translated_slugs":3274},"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":3165,"title":3158,"topics":3166,"noIndex":28,"category":3175,"language":3184,"component":493,"heroMedia":3185,"metaTitle":3186,"publishedAt":90,"readingTime":2460,"redirectUrl":90,"listingImage":3187,"metaDescription":3188,"bottomArticleCta":3189,"componentsAfterTheArticle":3190},"66aa9356-5ad3-4104-a0eb-d89593906e46",[3167],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3168,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3169,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3170,"default_full_slug":147,"translated_slugs":3171,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3172,3173,3174],{"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":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":3176,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":3178,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":3179,"default_full_slug":500,"translated_slugs":3180,"_stopResolving":41},{"_uid":487,"icon":3177,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3181,3182,3183],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"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.",[],[3191],{"_uid":3192,"items":3193,"heading":3244,"component":601},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3194,3204,3214,3224,3234],{"_uid":3195,"title":3196,"component":520,"description":3197},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3198},[3199],{"type":110,"attrs":3200,"content":3201},{"textAlign":25},[3202],{"text":3203,"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":3205,"title":3206,"component":520,"description":3207},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":3208},[3209],{"type":110,"attrs":3210,"content":3211},{"textAlign":25},[3212],{"text":3213,"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":3215,"title":3216,"component":520,"description":3217},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":3218},[3219],{"type":110,"attrs":3220,"content":3221},{"textAlign":25},[3222],{"text":3223,"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":3225,"title":3226,"component":520,"description":3227},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":3228},[3229],{"type":110,"attrs":3230,"content":3231},{"textAlign":25},[3232],{"text":3233,"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":3235,"title":3236,"component":520,"description":3237},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":3238},[3239],{"type":110,"attrs":3240,"content":3241},{"textAlign":25},[3242],{"text":3243,"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.",[],[3312],{"_uid":3313,"items":3314,"heading":3373,"component":601},"624a6787-08f1-4f35-8970-94eeedbbef72",[3315,3325,3335,3345,3355],{"_uid":3316,"title":3317,"component":520,"description":3318},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":3319},[3320],{"type":110,"attrs":3321,"content":3322},{"textAlign":25},[3323],{"text":3324,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3326,"title":3327,"component":520,"description":3328},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":3329},[3330],{"type":110,"attrs":3331,"content":3332},{"textAlign":25},[3333],{"text":3334,"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":3336,"title":3337,"component":520,"description":3338},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":3339},[3340],{"type":110,"attrs":3341,"content":3342},{"textAlign":25},[3343],{"text":3344,"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":3346,"title":3347,"component":520,"description":3348},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":3349},[3350],{"type":110,"attrs":3351,"content":3352},{"textAlign":25},[3353],{"text":3354,"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":3356,"title":3357,"component":520,"description":3358},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":3359},[3360],{"type":110,"attrs":3361,"content":3362},{"textAlign":25},[3363,3365,3371],{"text":3364,"type":116},"Sí. 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Guía paso a paso para equipos financieros.",[],[3458],{"_uid":3459,"items":3460,"heading":1138,"component":601},"d437e15a-ca83-40ff-962f-928bbc083496",[3461,3479,3489,3499,3509],{"_uid":3462,"title":3463,"component":520,"description":3464},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3465},[3466],{"type":110,"attrs":3467,"content":3468},{"textAlign":25},[3469,3471,3477],{"text":3470,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3472,"type":116,"marks":3473},"Ley 15/2010",[3474],{"type":176,"attrs":3475},{"href":3476,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3478,"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":3480,"title":3481,"component":520,"description":3482},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3483},[3484],{"type":110,"attrs":3485,"content":3486},{"textAlign":25},[3487],{"text":3488,"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":3490,"title":3491,"component":520,"description":3492},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3493},[3494],{"type":110,"attrs":3495,"content":3496},{"textAlign":25},[3497],{"text":3498,"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":3500,"title":3501,"component":520,"description":3502},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3503},[3504],{"type":110,"attrs":3505,"content":3506},{"textAlign":25},[3507],{"text":3508,"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":3510,"title":3511,"component":520,"description":3512},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3513},[3514],{"type":110,"attrs":3515,"content":3516},{"textAlign":25},[3517,3519,3524,3526,3532],{"text":3518,"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":3520,"type":116,"marks":3521},"conciliación",[3522],{"type":176,"attrs":3523},{"href":251,"uuid":25,"anchor":25,"target":179,"linktype":98},{"text":3525,"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":3527,"type":116,"marks":3528},"visita spendesk.com/es/",[3529],{"type":176,"attrs":3530},{"href":3531,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/",{"text":1939,"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",[3541,3542,3543],{"path":3539,"name":25,"lang":37,"published":25},{"path":3539,"name":25,"lang":39,"published":25},{"path":3539,"name":25,"lang":32,"published":25},{"name":3545,"created_at":3546,"published_at":3547,"updated_at":3548,"id":3549,"uuid":3550,"content":3551,"slug":3659,"full_slug":3660,"sort_by_date":25,"position":3661,"tag_list":3662,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":3663,"first_published_at":3664,"release_id":25,"lang":32,"path":25,"alternates":3665,"default_full_slug":3666,"translated_slugs":3667},"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":3552,"title":3545,"topics":3553,"noIndex":28,"category":3570,"language":3579,"component":493,"heroMedia":3580,"metaTitle":3581,"publishedAt":90,"readingTime":2928,"redirectUrl":90,"listingImage":3582,"metaDescription":3583,"bottomArticleCta":3584,"componentsAfterTheArticle":3585},"c037fbcf-4158-4dad-96d1-4603185c9798",[3554,3562],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3555,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3556,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3557,"default_full_slug":147,"translated_slugs":3558,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3559,3560,3561],{"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":3426,"created_at":3427,"published_at":16,"updated_at":3428,"id":3429,"uuid":3430,"content":3563,"slug":3432,"full_slug":3433,"sort_by_date":25,"position":141,"tag_list":3564,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3435,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3565,"default_full_slug":3437,"translated_slugs":3566,"_stopResolving":41},{"_uid":138,"name":3426,"component":22},[],[],[3567,3568,3569],{"path":3437,"name":25,"lang":37,"published":25},{"path":3437,"name":25,"lang":39,"published":25},{"path":3437,"name":25,"lang":32,"published":25},{"name":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":3571,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":3573,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":3574,"default_full_slug":500,"translated_slugs":3575,"_stopResolving":41},{"_uid":487,"icon":3572,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3576,3577,3578],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"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.",[],[3586],{"_uid":3587,"items":3588,"heading":1138,"component":601},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3589,3599,3609,3619,3629,3639,3649],{"_uid":3590,"title":3591,"component":520,"description":3592},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3593},[3594],{"type":110,"attrs":3595,"content":3596},{"textAlign":25},[3597],{"text":3598,"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":3600,"title":3601,"component":520,"description":3602},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3603},[3604],{"type":110,"attrs":3605,"content":3606},{"textAlign":25},[3607],{"text":3608,"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":3610,"title":3611,"component":520,"description":3612},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3613},[3614],{"type":110,"attrs":3615,"content":3616},{"textAlign":25},[3617],{"text":3618,"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":3620,"title":3621,"component":520,"description":3622},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3623},[3624],{"type":110,"attrs":3625,"content":3626},{"textAlign":25},[3627],{"text":3628,"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":3630,"title":3631,"component":520,"description":3632},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3633},[3634],{"type":110,"attrs":3635,"content":3636},{"textAlign":25},[3637],{"text":3638,"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":3640,"title":3641,"component":520,"description":3642},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3643},[3644],{"type":110,"attrs":3645,"content":3646},{"textAlign":25},[3647],{"text":3648,"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":3650,"title":3651,"component":520,"description":3652},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3653},[3654],{"type":110,"attrs":3655,"content":3656},{"textAlign":25},[3657],{"text":3658,"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",[3668,3669,3670],{"path":3666,"name":25,"lang":37,"published":25},{"path":3666,"name":25,"lang":39,"published":25},{"path":3666,"name":25,"lang":32,"published":25},{"name":3672,"created_at":3673,"published_at":3674,"updated_at":3675,"id":3676,"uuid":3677,"content":3678,"slug":3766,"full_slug":3767,"sort_by_date":25,"position":3768,"tag_list":3769,"is_startpage":28,"parent_id":606,"meta_data":25,"group_id":3770,"first_published_at":3674,"release_id":25,"lang":32,"path":25,"alternates":3771,"default_full_slug":3772,"translated_slugs":3773},"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":3679,"title":3672,"topics":3680,"noIndex":28,"category":3697,"language":3706,"component":493,"heroMedia":3707,"metaTitle":3708,"publishedAt":90,"readingTime":2928,"redirectUrl":90,"listingImage":3709,"metaDescription":3710,"bottomArticleCta":3711,"componentsAfterTheArticle":3712},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3681,3689],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3682,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3683,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3684,"default_full_slug":147,"translated_slugs":3685,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3686,3687,3688],{"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":3426,"created_at":3427,"published_at":16,"updated_at":3428,"id":3429,"uuid":3430,"content":3690,"slug":3432,"full_slug":3433,"sort_by_date":25,"position":141,"tag_list":3691,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3435,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3692,"default_full_slug":3437,"translated_slugs":3693,"_stopResolving":41},{"_uid":138,"name":3426,"component":22},[],[],[3694,3695,3696],{"path":3437,"name":25,"lang":37,"published":25},{"path":3437,"name":25,"lang":39,"published":25},{"path":3437,"name":25,"lang":32,"published":25},{"name":481,"created_at":482,"published_at":16,"updated_at":483,"id":484,"uuid":485,"content":3698,"slug":493,"full_slug":494,"sort_by_date":25,"position":52,"tag_list":3700,"is_startpage":28,"parent_id":496,"meta_data":25,"group_id":497,"first_published_at":498,"release_id":25,"lang":32,"path":25,"alternates":3701,"default_full_slug":500,"translated_slugs":3702,"_stopResolving":41},{"_uid":487,"icon":3699,"name":481,"component":492},{"id":489,"alt":490,"name":90,"focus":90,"title":90,"filename":491,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3703,3704,3705],{"path":500,"name":25,"lang":37,"published":25},{"path":500,"name":25,"lang":39,"published":25},{"path":500,"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.",[],[3713],{"_uid":3714,"items":3715,"heading":1138,"component":601},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3716,3726,3736,3746,3756],{"_uid":3717,"title":3718,"component":520,"description":3719},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3720},[3721],{"type":110,"attrs":3722,"content":3723},{"textAlign":25},[3724],{"text":3725,"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":3727,"title":3728,"component":520,"description":3729},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":3730},[3731],{"type":110,"attrs":3732,"content":3733},{"textAlign":25},[3734],{"text":3735,"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":3737,"title":3738,"component":520,"description":3739},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":3740},[3741],{"type":110,"attrs":3742,"content":3743},{"textAlign":25},[3744],{"text":3745,"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":3747,"title":3748,"component":520,"description":3749},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":3750},[3751],{"type":110,"attrs":3752,"content":3753},{"textAlign":25},[3754],{"text":3755,"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":3757,"title":3758,"component":520,"description":3759},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":3760},[3761],{"type":110,"attrs":3762,"content":3763},{"textAlign":25},[3764],{"text":3765,"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.",[4190],{"cta":4191,"_uid":4192,"title":4193,"eyebrow":4200,"subtitle":4203,"component":160,"textAlign":90,"sectionSettings":4206,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"72a2abb9-de4d-403c-a3dd-cd7be666aae8",{"type":107,"content":4194},[4195],{"type":160,"attrs":4196,"content":4197},{"level":162},[4198],{"text":4199,"type":116},"Gestion De Facturas — FAQ",{"type":107,"content":4201},[4202],{"type":110},{"type":107,"content":4204},[4205],{"type":110},[],[4208],{"_uid":4209,"hide":28,"theme":3969,"anchorId":90,"component":3970,"spacingTop":90,"hideOnDevices":4210,"spacingBottom":90,"floatingImages":4211,"variableOverrides":4212},"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",[4222,4223,4224],{"path":4220,"name":25,"lang":37,"published":25},{"path":4220,"name":25,"lang":39,"published":25},{"path":4220,"name":25,"lang":32,"published":25},[4226,4227,4228,4229],["Reactive",3861],["Reactive",3028],["Reactive",3777],["Reactive",2681],1782919608456]