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tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más documentación. Con el Plan Anual de Control Tributario y Aduanero 2026, la Agencia Estatal de Administración Tributaria (AEAT) recibe por primera vez datos detallados de las operaciones con tarjeta directamente de las entidades financieras. Cada cargo, cada comercio, cada retirada de efectivo queda registrado y se cruza con lo que tu empresa declara en el Impuesto sobre la Renta de las Personas Físicas (IRPF). Este artículo explica qué es la retribución en especie, cómo se declara correctamente y qué debe hacer tu equipo de finanzas para mantener la documentación a prueba de inspección.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},3,[164],{"text":165,"type":116},"La retribución en especie bajo el Plan de Control Tributario 2026",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170,172,180,182,188],{"text":171,"type":116},"Según el ",{"text":173,"type":116,"marks":174},"artículo 42 de la Ley del IRPF",[175],{"type":176,"attrs":177},"link",{"href":178,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.iberley.es/legislacion/articulo-42-ley-impuesto-sobre-renta-personas-fisicas-irpf","_blank",{"text":181,"type":116}," (LIRPF), la retribución en especie es la utilización, consumo u obtención, para fines particulares, de bienes, derechos o servicios de forma gratuita o por precio inferior al de mercado. En la práctica, esto abarca desde el vehículo de empresa hasta el seguro médico, pasando por la tarjeta restaurante, la formación bonificada o los préstamos a tipo de interés inferior al legal del dinero. Muchas de estas partidas se canalizan a través de ",{"text":183,"type":116,"marks":184},"tarjetas de empresa",[185],{"type":176,"attrs":186},{"href":187,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/tarjetas-corporativas/",{"text":189,"type":116}," que dejan un rastro documental directo. En empresas de 50 a 1.000 empleados, donde los paquetes retributivos combinan varios de estos elementos, la valoración correcta es un ejercicio contable recurrente.",{"type":110,"attrs":191,"content":193},{"textAlign":25,"key":192},"p-2",[194],{"text":195,"type":116},"La legislación establece que la retribución en especie no puede superar el 30 % del salario bruto del trabajador, y en ningún caso puede reducir la retribución dineraria por debajo del Salario Mínimo Interprofesional (SMI). Estos límites son relevantes porque una mala planificación puede generar un exceso que la AEAT identifique como irregularidad.",{"type":110,"attrs":197,"content":199},{"textAlign":25,"key":198},"p-3",[200,202,208],{"text":201,"type":116},"El ",{"text":203,"type":116,"marks":204},"Plan de Control Tributario 2026",[205],{"type":176,"attrs":206},{"href":207,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-5843",{"text":209,"type":116}," intensifica la vigilancia sobre estos conceptos. Las entidades financieras comunican a la AEAT los datos de operaciones con tarjeta mediante el Modelo 170, lo que permite al organismo cruzar los movimientos reales de cada tarjeta de empresa con las retribuciones en especie declaradas en el IRPF de los empleados. Cuando un director financiero descubre que los 12 vehículos de empresa de su flota no están correctamente valorados en las declaraciones de IRPF de los empleados, el problema ya no es solo contable; es un desajuste que la AEAT puede detectar de forma automatizada antes de que la empresa lo corrija.",{"type":160,"attrs":211,"content":212},{"level":162,"textAlign":25},[213],{"text":214,"type":116},"Retribuciones en especie exentas y sujetas al IRPF",{"type":110,"attrs":216,"content":218},{"textAlign":25,"key":217},"p-4",[219,221,227],{"text":220,"type":116},"No todas las retribuciones en especie tributan. La LIRPF establece varias exenciones con límites concretos, detallados en el ",{"text":222,"type":116,"marks":223},"manual práctico del IRPF de la AEAT",[224],{"type":176,"attrs":225},{"href":226,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/irpf-2025/c03-rendimientos-trabajo/rendimientos-trabajo-especie/concepto.html",{"text":228,"type":116},", que el equipo de finanzas debe controlar con precisión.",{"type":110,"attrs":230,"content":232},{"textAlign":25,"key":231},"p-5",[233],{"text":234,"type":116},"Las retribuciones exentas con límite incluyen la tarjeta restaurante, exenta hasta 11 euros por día laborable; el seguro médico, exento hasta 500 euros por persona y año (1.500 euros para personas con discapacidad); el abono de transporte público, exento hasta 1.500 euros anuales; la guardería de empresa, exenta sin límite cuantitativo; y la formación vinculada a la actividad de la empresa, también exenta sin tope.",{"type":110,"attrs":236,"content":238},{"textAlign":25,"key":237},"p-6",[239],{"text":240,"type":116},"En cuanto a las retribuciones que sí tributan, las reglas de valoración varían según el tipo de beneficio. El vehículo de empresa se valora al 20 % anual de su coste de adquisición para el pagador, incluidos los tributos. La vivienda se valora al 10 % del valor catastral (5 % si el valor catastral ha sido revisado en los últimos 10 años). Los préstamos a tipo de interés inferior al legal del dinero generan una retribución en especie por la diferencia entre el interés legal y el efectivamente cobrado.",{"type":110,"attrs":242,"content":244},{"textAlign":25,"key":243},"p-7",[245],{"text":246,"type":116},"El ingreso a cuenta es la obligación del empleador de ingresar a la AEAT una cantidad equivalente a la retención de IRPF que correspondería sobre el valor de la retribución en especie. Este importe puede repercutirse al trabajador o asumirlo la empresa; en ambos casos, debe aparecer en la nómina.",{"type":110,"attrs":248,"content":250},{"textAlign":25,"key":249},"p-8",[251,253,259],{"text":252,"type":116},"Lo crítico es que las condiciones de exención son estrictas. Cuando la responsable de administración de una empresa de 120 empleados revisa los registros y descubre que varias tarjetas restaurante se han utilizado en sábados y domingos, esos importes pierden la exención automáticamente. Lo que era un gasto exento de 11 euros por día se convierte en retribución en especie sujeta al IRPF en la siguiente declaración, con el correspondiente ingreso a cuenta que la empresa debería haber practicado. Documentar cada gasto correctamente en la ",{"text":254,"type":116,"marks":255},"nota de gastos",[256],{"type":176,"attrs":257},{"href":258,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/nota-de-gastos-que-es-como-hacerla-y-como-automatizar-los-reembolsos/",{"text":260,"type":116}," es la primera línea de defensa.",{"type":160,"attrs":262,"content":263},{"level":162,"textAlign":25},[264],{"text":265,"type":116},"El Modelo 170 y las obligaciones informativas sobre tarjetas de empresa",{"type":110,"attrs":267,"content":268},{"textAlign":25,"key":112},[269,270,276],{"text":201,"type":116},{"text":271,"type":116,"marks":272},"Modelo 170",[273],{"type":176,"attrs":274},{"href":275,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/declaraciones-informativas/modelo-170.html",{"text":277,"type":116}," es la declaración informativa anual mediante la cual las entidades financieras comunican a la AEAT las operaciones realizadas con tarjetas de crédito, débito y prepago. Aunque la empresa no presenta este modelo directamente, los datos que contiene afectan a su posición fiscal.",{"type":110,"attrs":279,"content":280},{"textAlign":25,"key":168},[281],{"text":282,"type":116},"Las entidades financieras declaran los cargos, abonos, recargas, retiradas de efectivo y gastos realizados en comercios cuyo volumen total de operaciones supere los 25.000 euros anuales. La AEAT recibe, por tanto, un mapa detallado del gasto por tarjeta, con identificación del comercio y el importe de cada operación.",{"type":110,"attrs":284,"content":285},{"textAlign":25,"key":192},[286],{"text":287,"type":116},"Esta información se cruza de forma automatizada con las declaraciones de IRPF de la empresa y sus empleados. Cuando hay discrepancias entre lo que la empresa declara como gasto empresarial y lo que las tarjetas reflejan como uso real, el sistema genera alertas que pueden derivar en un procedimiento de comprobación.",{"type":110,"attrs":289,"content":290},{"textAlign":25,"key":198},[291,293,299,301,307],{"text":292,"type":116},"El riesgo se materializa en situaciones concretas. Una empresa que emite tarjetas de empresa a 40 empleados para gastos de viaje puede descubrir que tres de ellos utilizan la tarjeta de empresa para gastos personales. El Modelo 170 muestra patrones de gasto en comercios de electrónica de consumo, moda o restauración de fin de semana que no encajan con la actividad profesional declarada. Esas incoherencias son exactamente lo que el Plan de Control Tributario 2026 busca identificar, y el equipo de finanzas necesita detectarlas antes de que lo haga la AEAT. Mantener un registro riguroso de cada justificante en las ",{"text":294,"type":116,"marks":295},"hojas de gastos",[296],{"type":176,"attrs":297},{"href":298,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":300,"type":116}," de la empresa es el primer filtro, y las políticas de ",{"text":302,"type":116,"marks":303},"gastos de viaje",[304],{"type":176,"attrs":305},{"href":306,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/gastos-de-viaje/",{"text":308,"type":116}," deben reflejar estas restricciones.",{"type":160,"attrs":310,"content":311},{"level":162,"textAlign":25},[312],{"text":313,"type":116},"Contabilizar la retribución en especie en la nómina y en la declaración",{"type":110,"attrs":315,"content":316},{"textAlign":25,"key":217},[317],{"text":318,"type":116},"La retribución en especie aparece como una línea separada en la nómina del trabajador. Su inclusión incrementa tanto la base de cotización a la Seguridad Social como la base de retención del IRPF, lo que afecta al coste total para la empresa y a la tributación del empleado.",{"type":110,"attrs":320,"content":321},{"textAlign":25,"key":231},[322,324,330],{"text":323,"type":116},"Para contabilizar la retribución en especie correctamente, el proceso sigue cinco pasos. Primero, identificar el beneficio y clasificarlo según su tipo (vehículo, seguro, tarjeta restaurante). Segundo, aplicar la regla de valoración correspondiente; por ejemplo, el 20 % anual del valor de adquisición para un vehículo de empresa. Tercero, calcular el ingreso a cuenta aplicando el porcentaje de retención de IRPF vigente sobre el valor de la retribución en especie. Cuarto, registrar tanto la retribución en especie como el ingreso a cuenta en la nómina mensual. Quinto, declarar los importes en el Modelo 111 (declaración mensual o trimestral de retenciones) y en el Modelo 190 (resumen anual). Integrar estos pasos en el ",{"text":325,"type":116,"marks":326},"cierre de mes",[327],{"type":176,"attrs":328},{"href":329,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":331,"type":116}," evita acumular descuadres que se multiplican al final del ejercicio.",{"type":110,"attrs":333,"content":334},{"textAlign":25,"key":237},[335,337,343],{"text":336,"type":116},"Cada beneficio requiere un justificante documental: la cláusula contractual que lo establece, la factura del proveedor y el cálculo de valoración aplicado. La legislación tributaria obliga a conservar estos documentos durante cuatro años a efectos fiscales; la legislación mercantil extiende la obligación a seis años. En la práctica, digitalizar estos justificantes mediante ",{"text":338,"type":116,"marks":339},"recibos digitales",[340],{"type":176,"attrs":341},{"href":342,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/recibo-digital/",{"text":344,"type":116}," simplifica tanto el archivo como la respuesta ante un requerimiento.",{"type":160,"attrs":346,"content":347},{"level":162,"textAlign":25},[348],{"text":349,"type":116},"Justificantes obligatorios por tipo de retribución en especie",{"type":110,"attrs":351,"content":352},{"textAlign":25,"key":243},[353],{"text":354,"type":116},"La AEAT no se limita a verificar que la retribución en especie figura en nómina; exige la documentación acreditativa que respalda cada valoración. Para el vehículo de empresa, el inspector espera la factura de adquisición, el cálculo del 20 % anual sobre el coste total, la acreditación del porcentaje de uso particular frente al profesional y un registro de kilometraje que sustente esa proporción. En el caso del seguro médico, la empresa debe conservar la póliza colectiva emitida a su nombre, el certificado de primas desglosado por asegurado y la verificación de que no se supera el límite de 500 euros por persona y año. Para la tarjeta restaurante, es necesario un registro que vincule cada uso al NIF del empleado y a la cuantía por día laborable, junto con un control que identifique utilizaciones en fines de semana, ya que estas pierden la exención automáticamente. En cuanto a los gastos de desplazamiento, la factura debe estar emitida a nombre de la empresa, y es la propia empresa, no el empleado, quien debe acreditar la realidad de los desplazamientos, conforme al criterio establecido en la STS 426/2025. Toda esta documentación debe estar en poder de la empresa antes de que se inicie una inspección, no recopilarse a posteriori.",{"type":110,"attrs":356,"content":357},{"textAlign":25,"key":249},[358,360,366],{"text":359,"type":116},"Cuando un controller financiero debe procesar la retribución en especie de 15 empleados con vehículo de empresa, el volumen de documentación se multiplica: facturas de adquisición, cálculo del 20 % anual, ingreso a cuenta mensual y conciliación con los gastos de combustible y mantenimiento registrados en las tarjetas de empresa. Las ",{"text":361,"type":116,"marks":362},"tarjetas de empresa de Spendesk",[363],{"type":176,"attrs":364},{"href":365,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/platform/smart-company-cards/",{"text":367,"type":116}," registran cada transacción con el comercio, el importe, la categoría y el justificante adjunto, generando la trazabilidad que la AEAT espera en una comprobación. La funcionalidad Play by the Rules bloquea la tarjeta si el empleado no adjunta el recibo, lo que impulsa una tasa de recepción de justificantes del 97-98 %.",{"type":160,"attrs":369,"content":370},{"level":162,"textAlign":25},[371],{"text":372,"type":116},"Preparar al equipo de finanzas para el Plan de Control Tributario 2026",{"type":110,"attrs":374,"content":376},{"textAlign":25,"key":375},"p-9",[377],{"text":378,"type":116},"La preparación comienza con un control de gastos estructurado y una auditoría interna del paquete retributivo. Cada retribución en especie debe estar catalogada por tipo, empleado, método de valoración y estado de exención. Si ese catálogo no existe, cualquier requerimiento de la AEAT obliga a reconstruirlo bajo presión.",{"type":110,"attrs":380,"content":382},{"textAlign":25,"key":381},"p-10",[383],{"text":384,"type":116},"El segundo paso es revisar la política de tarjetas de la empresa. Las tarjetas deben tener restricciones de uso que impidan compras personales, y cada transacción necesita un justificante adjunto en el momento del gasto, no al cierre del mes.",{"type":160,"attrs":386,"content":387},{"level":162,"textAlign":25},[388],{"text":389,"type":116},"Contenido mínimo de tu política de tarjeta de empresa para resistir una inspección",{"type":110,"attrs":391,"content":393},{"textAlign":25,"key":392},"p-11",[394],{"text":395,"type":116},"Una política de tarjetas de empresa que resista una comprobación de la AEAT necesita elementos concretos. Debe establecer límites de gasto por categoría de comercio y por empleado, con restricciones basadas en códigos de actividad comercial (MCC) que bloqueen categorías de uso personal. El plazo de adjunción del justificante debe ser en el momento del gasto, no al cierre del mes. La política ha de incluir una cláusula expresa de prohibición de uso personal con consecuencias definidas para el empleado. 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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":513,"title":514,"component":484,"description":515},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":516},[517],{"type":110,"attrs":518,"content":519},{"textAlign":25,"key":112},[520],{"text":521,"type":116},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. 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Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":2265,"content":2273},[2274],{"type":110,"attrs":2275,"content":2276},{"textAlign":25},[2277],{"text":2278,"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":2265,"content":2280},[2281],{"type":110,"attrs":2282,"content":2283},{"textAlign":25},[2284],{"text":2285,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. 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Esto significa que ya no se pierden los recibos.",{"type":110,"attrs":2354,"content":2355},{"textAlign":25},[2356],{"text":2357,"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":2359,"content":2360},{"textAlign":25},[2361],{"text":2362,"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.",[2364],{"cta":2365,"_uid":2366,"title":2367,"eyebrow":2374,"subtitle":2377,"component":160,"textAlign":90,"sectionSettings":2383,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2368},[2369],{"type":160,"attrs":2370,"content":2371},{"level":540},[2372],{"text":2373,"type":116},"Empezar con Spendesk",{"type":107,"content":2375},[2376],{"type":110},{"type":107,"content":2378},[2379],{"type":110,"content":2380},[2381],{"text":2382,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2388,2519,2639,2728,2859,2989,3118,3239,3368,3505,3632,3738,3822,3947,4066],{"name":2389,"created_at":2390,"published_at":2391,"updated_at":2392,"id":2393,"uuid":2394,"content":2395,"slug":2508,"full_slug":2509,"sort_by_date":25,"position":2510,"tag_list":2511,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":2512,"first_published_at":2391,"release_id":25,"lang":32,"path":25,"alternates":2513,"default_full_slug":2514,"translated_slugs":2515},"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":2396,"title":2389,"topics":2397,"noIndex":28,"category":2406,"language":2415,"component":457,"heroMedia":2416,"metaTitle":2417,"publishedAt":90,"readingTime":2418,"redirectUrl":90,"listingImage":2419,"metaDescription":2420,"bottomArticleCta":2421,"componentsAfterTheArticle":2422},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2398],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2399,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2400,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2401,"default_full_slug":147,"translated_slugs":2402,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2403,2404,2405],{"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":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":2407,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":2409,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":2410,"default_full_slug":464,"translated_slugs":2411,"_stopResolving":41},{"_uid":451,"icon":2408,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2412,2413,2414],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"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. 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Si el nombre del titular",[],[2763],{"_uid":2764,"items":2765,"heading":2826,"component":556},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[2766,2776,2786,2796,2806,2816],{"_uid":2767,"title":2768,"component":484,"description":2769},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":2770},[2771],{"type":110,"attrs":2772,"content":2773},{"textAlign":25},[2774],{"text":2775,"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":2777,"title":2778,"component":484,"description":2779},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":2780},[2781],{"type":110,"attrs":2782,"content":2783},{"textAlign":25},[2784],{"text":2785,"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":2787,"title":2788,"component":484,"description":2789},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":2790},[2791],{"type":110,"attrs":2792,"content":2793},{"textAlign":25},[2794],{"text":2795,"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":2797,"title":2798,"component":484,"description":2799},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":2800},[2801],{"type":110,"attrs":2802,"content":2803},{"textAlign":25},[2804],{"text":2805,"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":2807,"title":2808,"component":484,"description":2809},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":2810},[2811],{"type":110,"attrs":2812,"content":2813},{"textAlign":25},[2814],{"text":2815,"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":2817,"title":2818,"component":484,"description":2819},"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":2820},[2821],{"type":110,"attrs":2822,"content":2823},{"textAlign":25},[2824],{"text":2825,"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.",[2827],{"cta":2828,"_uid":2829,"title":2830,"eyebrow":2836,"subtitle":2841,"component":160,"textAlign":90,"flexibleSection":2846,"sectionSettings":2847,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":2831},[2832],{"type":160,"attrs":2833,"content":2834},{"level":540,"textAlign":25},[2835],{"text":543,"type":116},{"type":107,"content":2837},[2838],{"type":110,"attrs":2839,"content":2840},{"textAlign":25},[],{"type":107,"content":2842},[2843],{"type":110,"attrs":2844,"content":2845},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2070,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9",[],"blog/pagos-sepa-espana-2026",[2856,2857,2858],{"path":2854,"name":25,"lang":37,"published":25},{"path":2854,"name":25,"lang":39,"published":25},{"path":2854,"name":25,"lang":32,"published":25},{"name":2860,"created_at":2861,"published_at":2862,"updated_at":2863,"id":2864,"uuid":2865,"content":2866,"slug":2977,"full_slug":2978,"sort_by_date":25,"position":2979,"tag_list":2980,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":2981,"first_published_at":2982,"release_id":25,"lang":32,"path":25,"alternates":2983,"default_full_slug":2984,"translated_slugs":2985},"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":2867,"title":2860,"topics":2868,"noIndex":28,"category":2877,"language":2886,"component":457,"heroMedia":2887,"metaTitle":2888,"publishedAt":90,"readingTime":2889,"redirectUrl":90,"listingImage":2890,"metaDescription":2891,"bottomArticleCta":2892,"componentsAfterTheArticle":2893},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[2869],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2870,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2871,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2872,"default_full_slug":147,"translated_slugs":2873,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2874,2875,2876],{"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":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":2878,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":2880,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":2881,"default_full_slug":464,"translated_slugs":2882,"_stopResolving":41},{"_uid":451,"icon":2879,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2883,2884,2885],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"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.",[],[2894],{"_uid":2895,"items":2896,"heading":2955,"component":556},"f710724d-656b-444b-b6f5-476932443755",[2897,2907,2925,2935,2945],{"_uid":2898,"title":2899,"component":484,"description":2900},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":107,"content":2901},[2902],{"type":110,"attrs":2903,"content":2904},{"textAlign":25},[2905],{"text":2906,"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":2908,"title":2909,"component":484,"description":2910},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":2911},[2912],{"type":110,"attrs":2913,"content":2914},{"textAlign":25},[2915,2917,2923],{"text":2916,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":2918,"type":116,"marks":2919},"objetivos financieros",[2920],{"type":176,"attrs":2921},{"href":2922,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":2924,"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":2926,"title":2927,"component":484,"description":2928},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":2929},[2930],{"type":110,"attrs":2931,"content":2932},{"textAlign":25},[2933],{"text":2934,"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":2936,"title":2937,"component":484,"description":2938},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":2939},[2940],{"type":110,"attrs":2941,"content":2942},{"textAlign":25},[2943],{"text":2944,"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":2946,"title":2947,"component":484,"description":2948},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":107,"content":2949},[2950],{"type":110,"attrs":2951,"content":2952},{"textAlign":25},[2953],{"text":2954,"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. ---",[2956],{"cta":2957,"_uid":2958,"title":2959,"eyebrow":2965,"subtitle":2970,"component":160,"textAlign":90,"flexibleSection":2975,"sectionSettings":2976,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"2fdaec23-ffc9-427f-b9a7-9dc3fbe6ec59",{"type":107,"content":2960},[2961],{"type":160,"attrs":2962,"content":2963},{"level":540,"textAlign":25},[2964],{"text":543,"type":116},{"type":107,"content":2966},[2967],{"type":110,"attrs":2968,"content":2969},{"textAlign":25},[],{"type":107,"content":2971},[2972],{"type":110,"attrs":2973,"content":2974},{"textAlign":25},[],[],[],"conciliacion-bancaria-como-automatizarla","es/blog/conciliacion-bancaria-como-automatizarla",-1870,[],"362ec0a2-5112-4042-bb34-9f2f862230e3","2026-06-10T13:00:52.167Z",[],"blog/conciliacion-bancaria-como-automatizarla",[2986,2987,2988],{"path":2984,"name":25,"lang":37,"published":25},{"path":2984,"name":25,"lang":39,"published":25},{"path":2984,"name":25,"lang":32,"published":25},{"name":2990,"created_at":2991,"published_at":2992,"updated_at":2993,"id":2994,"uuid":2995,"content":2996,"slug":3106,"full_slug":3107,"sort_by_date":25,"position":3108,"tag_list":3109,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":3110,"first_published_at":3111,"release_id":25,"lang":32,"path":25,"alternates":3112,"default_full_slug":3113,"translated_slugs":3114},"Automatización 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de cuentas por pagar (AP): qué es y cómo impl",[],"Qué es la automatización de cuentas por pagar, qué tareas cubre (OCR, conciliación, aprobaciones) y cómo implantarla en tu empresa paso a paso.",[],[3023],{"_uid":3024,"items":3025,"heading":3084,"component":556},"a20878f2-d2b2-4e16-8139-feffac717294",[3026,3036,3046,3056,3066],{"_uid":3027,"title":3028,"component":484,"description":3029},"6b09a910-fc84-45a6-b549-82c8f9ccc7b3","¿Cómo funciona el OCR para leer automáticamente las facturas de proveedores?",{"type":107,"content":3030},[3031],{"type":110,"attrs":3032,"content":3033},{"textAlign":25},[3034],{"text":3035,"type":116},"El OCR escanea cada factura (PDF, imagen escaneada o XML Facturae), identifica los campos clave (proveedor, importe, IVA, fecha, líneas de detalle) y los introduce en el sistema de forma automática, eliminando la entrada manual de datos.",{"_uid":3037,"title":3038,"component":484,"description":3039},"05f499b6-97e1-4fbd-acd8-379984551a16","¿Qué software de automatización de cuentas por pagar elegir para empresas en crecimiento?",{"type":107,"content":3040},[3041],{"type":110,"attrs":3042,"content":3043},{"textAlign":25},[3044],{"text":3045,"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":3047,"title":3048,"component":484,"description":3049},"1eca101b-bbf0-4534-8a0e-0c83e848d741","¿Cómo se integra la automatización AP con un ERP como SAP o NetSuite?",{"type":107,"content":3050},[3051],{"type":110,"attrs":3052,"content":3053},{"textAlign":25},[3054],{"text":3055,"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":3067,"title":3068,"component":484,"description":3069},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":107,"content":3070},[3071],{"type":110,"attrs":3072,"content":3073},{"textAlign":25},[3074,3076,3082],{"text":3075,"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":3077,"type":116,"marks":3078},"Solicita una demo",[3079],{"type":176,"attrs":3080},{"href":3081,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":3083,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3085],{"cta":3086,"_uid":3087,"title":3088,"eyebrow":3094,"subtitle":3099,"component":160,"textAlign":90,"flexibleSection":3104,"sectionSettings":3105,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":3089},[3090],{"type":160,"attrs":3091,"content":3092},{"level":540,"textAlign":25},[3093],{"text":543,"type":116},{"type":107,"content":3095},[3096],{"type":110,"attrs":3097,"content":3098},{"textAlign":25},[],{"type":107,"content":3100},[3101],{"type":110,"attrs":3102,"content":3103},{"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",[3115,3116,3117],{"path":3113,"name":25,"lang":37,"published":25},{"path":3113,"name":25,"lang":39,"published":25},{"path":3113,"name":25,"lang":32,"published":25},{"name":3119,"created_at":3120,"published_at":3121,"updated_at":3122,"id":3123,"uuid":3124,"content":3125,"slug":3227,"full_slug":3228,"sort_by_date":25,"position":3229,"tag_list":3230,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":3231,"first_published_at":3232,"release_id":25,"lang":32,"path":25,"alternates":3233,"default_full_slug":3234,"translated_slugs":3235},"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":3126,"title":3119,"topics":3127,"noIndex":28,"category":3136,"language":3145,"component":457,"heroMedia":3146,"metaTitle":3147,"publishedAt":90,"readingTime":2418,"redirectUrl":90,"listingImage":3148,"metaDescription":3149,"bottomArticleCta":3150,"componentsAfterTheArticle":3151},"66aa9356-5ad3-4104-a0eb-d89593906e46",[3128],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3129,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3130,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3131,"default_full_slug":147,"translated_slugs":3132,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3133,3134,3135],{"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":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":3137,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":3139,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":3140,"default_full_slug":464,"translated_slugs":3141,"_stopResolving":41},{"_uid":451,"icon":3138,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3142,3143,3144],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"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.",[],[3152],{"_uid":3153,"items":3154,"heading":3205,"component":556},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3155,3165,3175,3185,3195],{"_uid":3156,"title":3157,"component":484,"description":3158},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3159},[3160],{"type":110,"attrs":3161,"content":3162},{"textAlign":25},[3163],{"text":3164,"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":3166,"title":3167,"component":484,"description":3168},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":3169},[3170],{"type":110,"attrs":3171,"content":3172},{"textAlign":25},[3173],{"text":3174,"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":3176,"title":3177,"component":484,"description":3178},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":3179},[3180],{"type":110,"attrs":3181,"content":3182},{"textAlign":25},[3183],{"text":3184,"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":3186,"title":3187,"component":484,"description":3188},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":3189},[3190],{"type":110,"attrs":3191,"content":3192},{"textAlign":25},[3193],{"text":3194,"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":3196,"title":3197,"component":484,"description":3198},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":3199},[3200],{"type":110,"attrs":3201,"content":3202},{"textAlign":25},[3203],{"text":3204,"type":116},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. Exige que el software de facturación genere un fichero firmado electrónicamente por cada operación, con requisitos técnicos distintos al VERI*FACTU estatal. --- New call-to-action",[3206],{"cta":3207,"_uid":3208,"title":3209,"eyebrow":3215,"subtitle":3220,"component":160,"textAlign":90,"flexibleSection":3225,"sectionSettings":3226,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":107,"content":3210},[3211],{"type":160,"attrs":3212,"content":3213},{"level":540,"textAlign":25},[3214],{"text":543,"type":116},{"type":107,"content":3216},[3217],{"type":110,"attrs":3218,"content":3219},{"textAlign":25},[],{"type":107,"content":3221},[3222],{"type":110,"attrs":3223,"content":3224},{"textAlign":25},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1810,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[3236,3237,3238],{"path":3234,"name":25,"lang":37,"published":25},{"path":3234,"name":25,"lang":39,"published":25},{"path":3234,"name":25,"lang":32,"published":25},{"name":3240,"created_at":3241,"published_at":3242,"updated_at":3243,"id":3244,"uuid":3245,"content":3246,"slug":3356,"full_slug":3357,"sort_by_date":25,"position":3358,"tag_list":3359,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":3360,"first_published_at":3361,"release_id":25,"lang":32,"path":25,"alternates":3362,"default_full_slug":3363,"translated_slugs":3364},"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a paso","2026-06-10T13:00:01.653Z","2026-06-10T13:15:07.252Z","2026-06-10T13:15:07.276Z",185986259622305,"a4efc33d-5ef5-4c71-ae30-9ddb4ab0f2e6",{"_uid":3247,"title":3240,"topics":3248,"noIndex":28,"category":3257,"language":3266,"component":457,"heroMedia":3267,"metaTitle":3268,"publishedAt":90,"readingTime":2418,"redirectUrl":90,"listingImage":3269,"metaDescription":3270,"bottomArticleCta":3271,"componentsAfterTheArticle":3272},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3249],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3250,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3251,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3252,"default_full_slug":147,"translated_slugs":3253,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3254,3255,3256],{"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":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":3258,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":3260,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":3261,"default_full_slug":464,"translated_slugs":3262,"_stopResolving":41},{"_uid":451,"icon":3259,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3263,3264,3265],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"name":25,"lang":32,"published":25},[32],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a",[],"El modelo 303 es la autoliquidación trimestral del IVA ante la AEAT. Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[3273],{"_uid":3274,"items":3275,"heading":3334,"component":556},"624a6787-08f1-4f35-8970-94eeedbbef72",[3276,3286,3296,3306,3316],{"_uid":3277,"title":3278,"component":484,"description":3279},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":3280},[3281],{"type":110,"attrs":3282,"content":3283},{"textAlign":25},[3284],{"text":3285,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3287,"title":3288,"component":484,"description":3289},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":3290},[3291],{"type":110,"attrs":3292,"content":3293},{"textAlign":25},[3294],{"text":3295,"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":3297,"title":3298,"component":484,"description":3299},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":3300},[3301],{"type":110,"attrs":3302,"content":3303},{"textAlign":25},[3304],{"text":3305,"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":3307,"title":3308,"component":484,"description":3309},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":3310},[3311],{"type":110,"attrs":3312,"content":3313},{"textAlign":25},[3314],{"text":3315,"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":3317,"title":3318,"component":484,"description":3319},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":3320},[3321],{"type":110,"attrs":3322,"content":3323},{"textAlign":25},[3324,3326,3332],{"text":3325,"type":116},"Sí. 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Guía paso a paso para equipos financieros.",[],[3419],{"_uid":3420,"items":3421,"heading":1093,"component":556},"d437e15a-ca83-40ff-962f-928bbc083496",[3422,3440,3450,3460,3470],{"_uid":3423,"title":3424,"component":484,"description":3425},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3426},[3427],{"type":110,"attrs":3428,"content":3429},{"textAlign":25},[3430,3432,3438],{"text":3431,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3433,"type":116,"marks":3434},"Ley 15/2010",[3435],{"type":176,"attrs":3436},{"href":3437,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3439,"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":3441,"title":3442,"component":484,"description":3443},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3444},[3445],{"type":110,"attrs":3446,"content":3447},{"textAlign":25},[3448],{"text":3449,"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":3451,"title":3452,"component":484,"description":3453},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3454},[3455],{"type":110,"attrs":3456,"content":3457},{"textAlign":25},[3458],{"text":3459,"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":3461,"title":3462,"component":484,"description":3463},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3464},[3465],{"type":110,"attrs":3466,"content":3467},{"textAlign":25},[3468],{"text":3469,"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":3471,"title":3472,"component":484,"description":3473},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3474},[3475],{"type":110,"attrs":3476,"content":3477},{"textAlign":25},[3478,3480,3485,3487,3493],{"text":3479,"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":3481,"type":116,"marks":3482},"conciliación",[3483],{"type":176,"attrs":3484},{"href":407,"uuid":25,"anchor":25,"target":179,"linktype":98},{"text":3486,"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":3488,"type":116,"marks":3489},"visita spendesk.com/es/",[3490],{"type":176,"attrs":3491},{"href":3492,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/",{"text":1895,"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",[3502,3503,3504],{"path":3500,"name":25,"lang":37,"published":25},{"path":3500,"name":25,"lang":39,"published":25},{"path":3500,"name":25,"lang":32,"published":25},{"name":3506,"created_at":3507,"published_at":3508,"updated_at":3509,"id":3510,"uuid":3511,"content":3512,"slug":3620,"full_slug":3621,"sort_by_date":25,"position":3622,"tag_list":3623,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":3624,"first_published_at":3625,"release_id":25,"lang":32,"path":25,"alternates":3626,"default_full_slug":3627,"translated_slugs":3628},"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":3513,"title":3506,"topics":3514,"noIndex":28,"category":3531,"language":3540,"component":457,"heroMedia":3541,"metaTitle":3542,"publishedAt":90,"readingTime":2889,"redirectUrl":90,"listingImage":3543,"metaDescription":3544,"bottomArticleCta":3545,"componentsAfterTheArticle":3546},"c037fbcf-4158-4dad-96d1-4603185c9798",[3515,3523],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3516,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3517,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3518,"default_full_slug":147,"translated_slugs":3519,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3520,3521,3522],{"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":3387,"created_at":3388,"published_at":16,"updated_at":3389,"id":3390,"uuid":3391,"content":3524,"slug":3393,"full_slug":3394,"sort_by_date":25,"position":141,"tag_list":3525,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3396,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3526,"default_full_slug":3398,"translated_slugs":3527,"_stopResolving":41},{"_uid":138,"name":3387,"component":22},[],[],[3528,3529,3530],{"path":3398,"name":25,"lang":37,"published":25},{"path":3398,"name":25,"lang":39,"published":25},{"path":3398,"name":25,"lang":32,"published":25},{"name":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":3532,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":3534,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":3535,"default_full_slug":464,"translated_slugs":3536,"_stopResolving":41},{"_uid":451,"icon":3533,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3537,3538,3539],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"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.",[],[3547],{"_uid":3548,"items":3549,"heading":1093,"component":556},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3550,3560,3570,3580,3590,3600,3610],{"_uid":3551,"title":3552,"component":484,"description":3553},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3554},[3555],{"type":110,"attrs":3556,"content":3557},{"textAlign":25},[3558],{"text":3559,"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":3561,"title":3562,"component":484,"description":3563},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3564},[3565],{"type":110,"attrs":3566,"content":3567},{"textAlign":25},[3568],{"text":3569,"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":3571,"title":3572,"component":484,"description":3573},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3574},[3575],{"type":110,"attrs":3576,"content":3577},{"textAlign":25},[3578],{"text":3579,"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":3581,"title":3582,"component":484,"description":3583},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3584},[3585],{"type":110,"attrs":3586,"content":3587},{"textAlign":25},[3588],{"text":3589,"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":3591,"title":3592,"component":484,"description":3593},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3594},[3595],{"type":110,"attrs":3596,"content":3597},{"textAlign":25},[3598],{"text":3599,"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":3601,"title":3602,"component":484,"description":3603},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3604},[3605],{"type":110,"attrs":3606,"content":3607},{"textAlign":25},[3608],{"text":3609,"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":3611,"title":3612,"component":484,"description":3613},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3614},[3615],{"type":110,"attrs":3616,"content":3617},{"textAlign":25},[3618],{"text":3619,"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",[3629,3630,3631],{"path":3627,"name":25,"lang":37,"published":25},{"path":3627,"name":25,"lang":39,"published":25},{"path":3627,"name":25,"lang":32,"published":25},{"name":3633,"created_at":3634,"published_at":3635,"updated_at":3636,"id":3637,"uuid":3638,"content":3639,"slug":3727,"full_slug":3728,"sort_by_date":25,"position":3729,"tag_list":3730,"is_startpage":28,"parent_id":561,"meta_data":25,"group_id":3731,"first_published_at":3635,"release_id":25,"lang":32,"path":25,"alternates":3732,"default_full_slug":3733,"translated_slugs":3734},"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":3640,"title":3633,"topics":3641,"noIndex":28,"category":3658,"language":3667,"component":457,"heroMedia":3668,"metaTitle":3669,"publishedAt":90,"readingTime":2889,"redirectUrl":90,"listingImage":3670,"metaDescription":3671,"bottomArticleCta":3672,"componentsAfterTheArticle":3673},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3642,3650],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3643,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3644,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3645,"default_full_slug":147,"translated_slugs":3646,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3647,3648,3649],{"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":3387,"created_at":3388,"published_at":16,"updated_at":3389,"id":3390,"uuid":3391,"content":3651,"slug":3393,"full_slug":3394,"sort_by_date":25,"position":141,"tag_list":3652,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3396,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3653,"default_full_slug":3398,"translated_slugs":3654,"_stopResolving":41},{"_uid":138,"name":3387,"component":22},[],[],[3655,3656,3657],{"path":3398,"name":25,"lang":37,"published":25},{"path":3398,"name":25,"lang":39,"published":25},{"path":3398,"name":25,"lang":32,"published":25},{"name":445,"created_at":446,"published_at":16,"updated_at":447,"id":448,"uuid":449,"content":3659,"slug":457,"full_slug":458,"sort_by_date":25,"position":52,"tag_list":3661,"is_startpage":28,"parent_id":460,"meta_data":25,"group_id":461,"first_published_at":462,"release_id":25,"lang":32,"path":25,"alternates":3662,"default_full_slug":464,"translated_slugs":3663,"_stopResolving":41},{"_uid":451,"icon":3660,"name":445,"component":456},{"id":453,"alt":454,"name":90,"focus":90,"title":90,"filename":455,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3664,3665,3666],{"path":464,"name":25,"lang":37,"published":25},{"path":464,"name":25,"lang":39,"published":25},{"path":464,"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.",[],[3674],{"_uid":3675,"items":3676,"heading":1093,"component":556},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3677,3687,3697,3707,3717],{"_uid":3678,"title":3679,"component":484,"description":3680},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3681},[3682],{"type":110,"attrs":3683,"content":3684},{"textAlign":25},[3685],{"text":3686,"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":3688,"title":3689,"component":484,"description":3690},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":3691},[3692],{"type":110,"attrs":3693,"content":3694},{"textAlign":25},[3695],{"text":3696,"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":3698,"title":3699,"component":484,"description":3700},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":3701},[3702],{"type":110,"attrs":3703,"content":3704},{"textAlign":25},[3705],{"text":3706,"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":3708,"title":3709,"component":484,"description":3710},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":3711},[3712],{"type":110,"attrs":3713,"content":3714},{"textAlign":25},[3715],{"text":3716,"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":3718,"title":3719,"component":484,"description":3720},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":3721},[3722],{"type":110,"attrs":3723,"content":3724},{"textAlign":25},[3725],{"text":3726,"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.",[4151],{"cta":4152,"_uid":4153,"title":4154,"eyebrow":4161,"subtitle":4164,"component":160,"textAlign":90,"sectionSettings":4167,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"72a2abb9-de4d-403c-a3dd-cd7be666aae8",{"type":107,"content":4155},[4156],{"type":160,"attrs":4157,"content":4158},{"level":540},[4159],{"text":4160,"type":116},"Gestion De Facturas — FAQ",{"type":107,"content":4162},[4163],{"type":110},{"type":107,"content":4165},[4166],{"type":110},[],[4169],{"_uid":4170,"hide":28,"theme":3930,"anchorId":90,"component":3931,"spacingTop":90,"hideOnDevices":4171,"spacingBottom":90,"floatingImages":4172,"variableOverrides":4173},"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",[4183,4184,4185],{"path":4181,"name":25,"lang":37,"published":25},{"path":4181,"name":25,"lang":39,"published":25},{"path":4181,"name":25,"lang":32,"published":25},[4187,4188,4189,4190],["Reactive",2859],["Reactive",2989],["Reactive",3947],["Reactive",3239],1782919608330]