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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 Sistema Informático de Facturación (SIF) conforme a VeriFactu; desde julio de 2026, la obligación alcanza al resto de contribuyentes. En 2027 la AEAT aplicará el régimen sancionador en pleno: hasta 50.000 € por ejercicio fiscal para quien utilice software no certificado. Si tu equipo financiero aún no ha verificado que cada sistema que genera, procesa o archiva facturas cumple con los requisitos de hash encadenado, código QR y envío estructurado, el margen de maniobra se reduce cada trimestre. Este artículo te guía paso a paso para auditar tu software de facturación VeriFactu y preparar tu empresa antes de que las sanciones se conviertan en realidad.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},3,[164],{"text":165,"type":116},"Obligaciones de VeriFactu para los sistemas de facturación desde 2026",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170,172,180,182,188],{"text":171,"type":116},"VeriFactu es el marco de integridad de software de facturación impulsado por la AEAT en virtud del ",{"text":173,"type":116,"marks":174},"Real Decreto 1007/2023",[175],{"type":176,"attrs":177},"link",{"href":178,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2023-24840","_blank",{"text":181,"type":116},", desarrollo reglamentario de la Ley Antifraude. Su objetivo es garantizar que cada factura emitida sea inalterable, trazable y verificable por la administración tributaria. No se trata de un formato de ",{"text":183,"type":116,"marks":184},"factura electrónica",[185],{"type":176,"attrs":186},{"href":187,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":189,"type":116},", sino de un conjunto de controles técnicos que todo SIF debe incorporar. Las grandes empresas ya conocen la obligación de transmitir datos en tiempo casi real a la AEAT a través del SII (Suministro Inmediato de Información), activo desde 2017; VeriFactu extiende una lógica similar de integridad y trazabilidad al resto del tejido empresarial.",{"type":110,"attrs":191,"content":193},{"textAlign":25,"key":192},"p-2",[194,196,202],{"text":195,"type":116},"La entrada en vigor de VeriFactu se ha desplegado en dos fases. La primera, desde enero de 2026, afecta a las empresas que presentan el Impuesto de Sociedades. La segunda, desde julio de 2026, extiende la obligación a todos los demás contribuyentes. Según la ",{"text":197,"type":116,"marks":198},"nota informativa de la AEAT",[199],{"type":176,"attrs":200},{"href":201,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/sistemas-informaticos-facturacion-verifactu/nota-informativa-ampliacion-plazo-adaptacion-facturacion.html",{"text":203,"type":116},", el año 2027 marca el inicio de la aplicación efectiva del régimen de inspección y sanciones, lo que convierte el cumplimiento en una prioridad operativa inmediata.",{"type":110,"attrs":205,"content":207},{"textAlign":25,"key":206},"p-3",[208],{"text":209,"type":116},"El sistema VeriFactu contempla dos modalidades de funcionamiento. En la modalidad VeriFactu, el SIF envía los registros de facturación a la AEAT en tiempo real o casi real. En la modalidad No VeriFactu, el software mantiene los mismos controles técnicos internos, pero sin transmisión automática; la AEAT puede solicitar los registros en cualquier momento durante una inspección.",{"type":110,"attrs":211,"content":213},{"textAlign":25,"key":212},"p-4",[214],{"text":215,"type":116},"Un Director Financiero de una empresa de 200 empleados que opera con un ERP local puede descubrir, al revisar la configuración de su sistema, que la versión instalada no genera registros encadenados con hash ni incluye código QR en las facturas. En ese escenario, el plazo para migrar o actualizar no se mide en años, sino en meses. La normativa VeriFactu es obligatoria y los últimos comunicados de la AEAT confirman que no se han concedido prórrogas adicionales al calendario establecido.",{"type":160,"attrs":217,"content":218},{"level":162,"textAlign":25},[219],{"text":220,"type":116},"Requisitos técnicos que debe cumplir tu software de facturación",{"type":110,"attrs":222,"content":224},{"textAlign":25,"key":223},"p-5",[225,227,233],{"text":226,"type":116},"Para que un software de facturación VeriFactu sea conforme, debe satisfacer siete requisitos técnicos fundamentales, detallados en la ",{"text":228,"type":116,"marks":229},"Orden HAC/1177/2024",[230],{"type":176,"attrs":231},{"href":232,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2024-22138",{"text":234,"type":116},". Cada uno de ellos actúa como un eslabón en la cadena de integridad que la AEAT exige.",{"type":236,"content":237},"ordered_list",[238,252,264,276,288,300,312],{"type":239,"content":240},"list_item",[241],{"type":110,"attrs":242,"content":244},{"textAlign":25,"key":243},"p-6",[245,250],{"text":246,"type":116,"marks":247},"Inalterabilidad.",[248],{"type":249},"bold",{"text":251,"type":116}," Una vez emitida, ninguna factura puede modificarse ni eliminarse.",{"type":239,"content":253},[254],{"type":110,"attrs":255,"content":257},{"textAlign":25,"key":256},"p-7",[258,262],{"text":259,"type":116,"marks":260},"Encadenamiento hash (SHA-256).",[261],{"type":249},{"text":263,"type":116}," Cada registro de facturación se vincula al anterior mediante una huella digital criptográfica.",{"type":239,"content":265},[266],{"type":110,"attrs":267,"content":269},{"textAlign":25,"key":268},"p-8",[270,274],{"text":271,"type":116,"marks":272},"Registro de facturación normalizado.",[273],{"type":249},{"text":275,"type":116}," El SIF debe generar un fichero XML estructurado con todos los campos obligatorios: NIF del emisor y receptor, importes, desglose de IVA, serie, número y fecha de expedición.",{"type":239,"content":277},[278],{"type":110,"attrs":279,"content":281},{"textAlign":25,"key":280},"p-9",[282,286],{"text":283,"type":116,"marks":284},"Código QR verificable.",[285],{"type":249},{"text":287,"type":116}," Toda factura debe incorporar un código QR que permita a la AEAT verificar la autenticidad del documento.",{"type":239,"content":289},[290],{"type":110,"attrs":291,"content":293},{"textAlign":25,"key":292},"p-10",[294,298],{"text":295,"type":116,"marks":296},"Capacidad de envío a la AEAT.",[297],{"type":249},{"text":299,"type":116}," En modalidad VeriFactu, el envío es automático y en tiempo real.",{"type":239,"content":301},[302],{"type":110,"attrs":303,"content":305},{"textAlign":25,"key":304},"p-11",[306,310],{"text":307,"type":116,"marks":308},"Registro de eventos del sistema.",[309],{"type":249},{"text":311,"type":116}," El SIF debe mantener un registro de auditoría que documente la creación de cada factura, los intentos de modificación y las transmisiones realizadas.",{"type":239,"content":313},[314],{"type":110,"attrs":315,"content":317},{"textAlign":25,"key":316},"p-12",[318,322],{"text":319,"type":116,"marks":320},"Declaración responsable del fabricante.",[321],{"type":249},{"text":323,"type":116}," El proveedor del software debe emitir una certificación formal de que su producto cumple con todos los requisitos del RD 1007/2023.",{"type":110,"attrs":325,"content":327},{"textAlign":25,"key":326},"p-13",[328,330,336],{"text":329,"type":116},"El equipo de administración puede ejecutar una prueba sencilla: emitir una factura de prueba y comprobar si el PDF incluye código QR, si el sistema almacena un hash encadenado y exporta un XML con los campos obligatorios. Para una visión más amplia, conviene revisar las mejores prácticas de ",{"text":331,"type":116,"marks":332},"gestión de facturas",[333],{"type":176,"attrs":334},{"href":335,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":337,"type":116}," en entornos digitales.",{"type":160,"attrs":339,"content":340},{"level":162,"textAlign":25},[341],{"text":342,"type":116},"Sanciones por no adaptar la facturación a VeriFactu a tiempo",{"type":110,"attrs":344,"content":345},{"textAlign":25,"key":112},[346,348,354],{"text":347,"type":116},"La Ley Antifraude establece ",{"text":349,"type":116,"marks":350},"multas fijas de 50.000 €",[351],{"type":176,"attrs":352},{"href":353,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.economistjurist.es/zreportaje/entrada-en-vigor-de-verifactu-el-nuevo-radar-de-hacienda-que-puede-disparar-multas-fijas-de-50-000-e-por-ejercicio/",{"text":355,"type":116}," por ejercicio fiscal para las empresas que utilicen software de facturación no certificado. Para los fabricantes, las sanciones ascienden a 150.000 € por tipo de programa, más 1.000 € por cada copia no certificada distribuida.",{"type":110,"attrs":357,"content":358},{"textAlign":25,"key":168},[359],{"text":360,"type":116},"La AEAT puede invalidar deducciones de IVA si las facturas carecen de los elementos exigidos. Clientes y proveedores que ya operan con sistemas conformes empezarán a rechazar facturas que no cumplan con VeriFactu, porque aceptarlas puede comprometer su propia trazabilidad.",{"type":110,"attrs":362,"content":363},{"textAlign":25,"key":192},[364],{"text":365,"type":116},"Un controller financiero de una empresa con tres sistemas de facturación distintos puede descubrir que dos de los tres no disponen de la declaración responsable del fabricante. Cada sistema no conforme representa un riesgo de sanción independiente. VeriFactu es obligatorio para cada SIF que intervenga en el ciclo de facturación.",{"type":160,"attrs":367,"content":368},{"level":162,"textAlign":25},[369],{"text":370,"type":116},"Cómo auditar tu software de facturación en cinco pasos",{"type":110,"attrs":372,"content":373},{"textAlign":25,"key":206},[374],{"text":375,"type":116},"Verificar el cumplimiento exige un método estructurado. Estos cinco pasos cubren el ciclo completo.",{"type":110,"attrs":377,"content":378},{"textAlign":25,"key":212},[379,383,385,391],{"text":380,"type":116,"marks":381},"Paso 1. Inventariar todos los sistemas de facturación.",[382],{"type":249},{"text":384,"type":116}," Elabora un mapa de cada herramienta que genera, procesa o archiva facturas: ERP, TPV, software de gastos, módulos de compras y cualquier aplicación auxiliar. El inventario debe incluir también los módulos de ",{"text":386,"type":116,"marks":387},"órdenes de compra",[388],{"type":176,"attrs":389},{"href":390,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/orden-de-compra/",{"text":392,"type":116}," que generan documentos con relevancia fiscal.",{"type":110,"attrs":394,"content":395},{"textAlign":25,"key":223},[396,400],{"text":397,"type":116,"marks":398},"Paso 2. Verificar la declaración responsable del fabricante.",[399],{"type":249},{"text":401,"type":116}," Para cada sistema identificado, solicita al proveedor su declaración responsable conforme al RD 1007/2023. Si el fabricante no la ha publicado, el software es automáticamente no conforme y debe sustituirse o actualizarse. Las empresas que externalizan su contabilidad a una gestoría (habitualmente con software A3 de Wolters Kluwer) deben verificar también que el sistema de la gestoría cumple con VeriFactu.",{"type":110,"attrs":403,"content":404},{"textAlign":25,"key":243},[405,409],{"text":406,"type":116,"marks":407},"Paso 3. Ejecutar una prueba de facturación.",[408],{"type":249},{"text":410,"type":116}," Emite una factura de prueba en cada sistema y comprueba tres elementos: presencia del código QR, almacenamiento de un registro hash encadenado y exportación de un XML estructurado con los campos obligatorios de VeriFactu.",{"type":110,"attrs":412,"content":413},{"textAlign":25,"key":256},[414,418],{"text":415,"type":116,"marks":416},"Paso 4. Elegir la modalidad de funcionamiento.",[417],{"type":249},{"text":419,"type":116}," Decide entre la modalidad VeriFactu (envío en tiempo real a la AEAT) y la modalidad No VeriFactu (controles internos con envío bajo demanda).",{"type":110,"attrs":421,"content":422},{"textAlign":25,"key":268},[423,427,429,435],{"text":424,"type":116,"marks":425},"Paso 5. Revisar las cuentas por pagar.",[426],{"type":249},{"text":428,"type":116}," Tu sistema de cuentas por pagar debe ser capaz de validar los códigos QR de las facturas recibidas de proveedores y archivarlas con trazabilidad completa. Spendesk gestiona la automatización de cuentas por pagar (extracción OCR, flujos de aprobación configurables y pago vía SEPA) desde el mismo panel donde se controla el gasto con tarjeta, lo que permite auditar el cumplimiento de las ",{"text":430,"type":116,"marks":431},"facturas de proveedores",[432],{"type":176,"attrs":433},{"href":434,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":436,"type":116}," entrantes sin saltar entre sistemas.",{"type":160,"attrs":438,"content":439},{"level":162,"textAlign":25},[440],{"text":441,"type":116},"Medidas correctoras ante incumplimientos detectados en la auditoría",{"type":110,"attrs":443,"content":444},{"textAlign":25,"key":280},[445],{"text":446,"type":116},"Si uno o varios de tus sistemas no superan la auditoría, tienes tres vías de actuación inmediata. Primera: contacta con tu proveedor actual y solicita su hoja de ruta de actualización VeriFactu junto con la declaración responsable conforme al RD 1007/2023. Muchos fabricantes de ERP y software contable ya tienen versiones conformes en fase de despliegue. Segunda: si el proveedor no dispone de calendario de actualización, evalúa alternativas certificadas y planifica la migración durante 2026. Una migración típica, incluyendo configuración, pruebas y formación del equipo, requiere entre 3 y 6 meses. Tercera: para necesidades de facturación básicas, la herramienta gratuita de la AEAT puede servir como solución puente temporal mientras completas la migración a un sistema definitivo.",{"type":110,"attrs":448,"content":449},{"textAlign":25,"key":292},[450],{"text":451,"type":116},"El contexto temporal es clave. 2026 es el año de preparación; 2027 es el año de aplicación efectiva del régimen sancionador. 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Enter your email below and we'll let you know when we can help.","Parece que ya te han invitado a Spendesk. Comprueba tu bandeja de entrada o pídele a tu administrador que te reenvíe la invitación.","Spendesk es una plataforma integral de gestión de gastos y compras que ayuda a las empresas a gestionar tarjetas corporativas, pagos de facturas, suscripciones y gastos de la empresa en tiempo real.","support@spendesk.com",{"type":107,"content":2136},[2137],{"type":110,"content":2138},[2139],{"text":2140,"type":116},"Ya existe una cuenta de Spendesk asociada a esta dirección de correo electrónico.",{"type":107,"content":2142},[2143],{"type":110,"content":2144},[2145],{"text":2146,"type":116},"Su empresa ya tiene una cuenta en Spendesk. Solicite acceso a su equipo financiero.","Esto parece ser un correo electrónico personal. Introduce tu dirección de correo profesional.","selected","412","4.6","Se ha producido un error inesperado. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2309,2310],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2312],{"cta":2313,"_uid":2314,"items":2315,"heading":2428,"reverse":28,"component":625,"sectionSettings":2449},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2316,2371],{"_uid":2317,"title":2318,"component":553,"description":2319},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":107,"content":2320},[2321,2326,2351,2356,2361,2366],{"type":110,"attrs":2322,"content":2323},{"textAlign":25},[2324],{"text":2325,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":236,"attrs":2327,"content":2329},{"order":2328},1,[2330,2337,2344],{"type":239,"content":2331},[2332],{"type":110,"attrs":2333,"content":2334},{"textAlign":25},[2335],{"text":2336,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":239,"content":2338},[2339],{"type":110,"attrs":2340,"content":2341},{"textAlign":25},[2342],{"text":2343,"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":239,"content":2345},[2346],{"type":110,"attrs":2347,"content":2348},{"textAlign":25},[2349],{"text":2350,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2352,"content":2353},{"textAlign":25},[2354],{"text":2355,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":110,"attrs":2357,"content":2358},{"textAlign":25},[2359],{"text":2360,"type":116},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":110,"attrs":2362,"content":2363},{"textAlign":25},[2364],{"text":2365,"type":116},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":110,"attrs":2367,"content":2368},{"textAlign":25},[2369],{"text":2370,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2372,"title":2373,"component":553,"description":2374},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2375},[2376,2381,2393,2398,2408,2413,2418,2423],{"type":110,"attrs":2377,"content":2378},{"textAlign":25},[2379],{"text":2380,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":110,"attrs":2382,"content":2383},{"textAlign":25},[2384,2388,2391],{"text":2385,"type":116,"marks":2386},"Para los empleados",[2387],{"type":249},{"type":2235,"marks":2389},[2390],{"type":249},{"text":2392,"type":116},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":110,"attrs":2394,"content":2395},{"textAlign":25},[2396],{"text":2397,"type":116},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2399,"content":2400},{"textAlign":25},[2401,2405,2406],{"text":2402,"type":116,"marks":2403},"Para los equipos financieros",[2404],{"type":249},{"type":2235},{"text":2407,"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":2409,"content":2410},{"textAlign":25},[2411],{"text":2412,"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":2414,"content":2415},{"textAlign":25},[2416],{"text":2417,"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":2419,"content":2420},{"textAlign":25},[2421],{"text":2422,"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":2424,"content":2425},{"textAlign":25},[2426],{"text":2427,"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.",[2429],{"cta":2430,"_uid":2431,"title":2432,"eyebrow":2439,"subtitle":2442,"component":160,"textAlign":90,"sectionSettings":2448,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2433},[2434],{"type":160,"attrs":2435,"content":2436},{"level":609},[2437],{"text":2438,"type":116},"Empezar con Spendesk",{"type":107,"content":2440},[2441],{"type":110},{"type":107,"content":2443},[2444],{"type":110,"content":2445},[2446],{"text":2447,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2453,2583,2672,2793,2924,3054,3183,3304,3433,3571,3698,3804,3888,4013,4132],{"name":2454,"created_at":2455,"published_at":2456,"updated_at":2457,"id":2458,"uuid":2459,"content":2460,"slug":2572,"full_slug":2573,"sort_by_date":25,"position":2574,"tag_list":2575,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":2576,"first_published_at":2456,"release_id":25,"lang":32,"path":25,"alternates":2577,"default_full_slug":2578,"translated_slugs":2579},"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":2461,"title":2454,"topics":2462,"noIndex":28,"category":2471,"language":2480,"component":526,"heroMedia":2481,"metaTitle":2482,"publishedAt":90,"readingTime":542,"redirectUrl":90,"listingImage":2483,"metaDescription":2484,"bottomArticleCta":2485,"componentsAfterTheArticle":2486},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2463],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2464,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2465,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2466,"default_full_slug":147,"translated_slugs":2467,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2468,2469,2470],{"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":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":2472,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":2474,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":2475,"default_full_slug":533,"translated_slugs":2476,"_stopResolving":41},{"_uid":520,"icon":2473,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2477,2478,2479],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa",[],"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",[],[2487],{"_uid":2488,"items":2489,"heading":2550,"component":625},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2490,2500,2510,2520,2530,2540],{"_uid":2491,"title":2492,"component":553,"description":2493},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":2494},[2495],{"type":110,"attrs":2496,"content":2497},{"textAlign":25},[2498],{"text":2499,"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":2501,"title":2502,"component":553,"description":2503},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":2504},[2505],{"type":110,"attrs":2506,"content":2507},{"textAlign":25},[2508],{"text":2509,"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":2511,"title":2512,"component":553,"description":2513},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":107,"content":2514},[2515],{"type":110,"attrs":2516,"content":2517},{"textAlign":25},[2518],{"text":2519,"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":2521,"title":2522,"component":553,"description":2523},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":2524},[2525],{"type":110,"attrs":2526,"content":2527},{"textAlign":25},[2528],{"text":2529,"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":2531,"title":2532,"component":553,"description":2533},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":2534},[2535],{"type":110,"attrs":2536,"content":2537},{"textAlign":25},[2538],{"text":2539,"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":2541,"title":2542,"component":553,"description":2543},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":2544},[2545],{"type":110,"attrs":2546,"content":2547},{"textAlign":25},[2548],{"text":2549,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. 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La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":2721,"title":2722,"component":553,"description":2723},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":2724},[2725],{"type":110,"attrs":2726,"content":2727},{"textAlign":25},[2728],{"text":2729,"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":2731,"title":2732,"component":553,"description":2733},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":2734},[2735],{"type":110,"attrs":2736,"content":2737},{"textAlign":25},[2738],{"text":2739,"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":2741,"title":2742,"component":553,"description":2743},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":2744},[2745],{"type":110,"attrs":2746,"content":2747},{"textAlign":25},[2748],{"text":2749,"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":2751,"title":2752,"component":553,"description":2753},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":2754},[2755],{"type":110,"attrs":2756,"content":2757},{"textAlign":25},[2758],{"text":2759,"type":116},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[2761],{"cta":2762,"_uid":2763,"title":2764,"eyebrow":2770,"subtitle":2775,"component":160,"textAlign":90,"flexibleSection":2780,"sectionSettings":2781,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":2765},[2766],{"type":160,"attrs":2767,"content":2768},{"level":609,"textAlign":25},[2769],{"text":612,"type":116},{"type":107,"content":2771},[2772],{"type":110,"attrs":2773,"content":2774},{"textAlign":25},[],{"type":107,"content":2776},[2777],{"type":110,"attrs":2778,"content":2779},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2090,[],"604baf8b-7a12-4b26-9a25-40517dd7458c",[],"blog/plan-control-tributario-2026",[2790,2791,2792],{"path":2788,"name":25,"lang":37,"published":25},{"path":2788,"name":25,"lang":39,"published":25},{"path":2788,"name":25,"lang":32,"published":25},{"name":2794,"created_at":2795,"published_at":2796,"updated_at":2797,"id":2798,"uuid":2799,"content":2800,"slug":2913,"full_slug":2914,"sort_by_date":25,"position":2915,"tag_list":2916,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":2917,"first_published_at":2796,"release_id":25,"lang":32,"path":25,"alternates":2918,"default_full_slug":2919,"translated_slugs":2920},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-01T14:07:18.315Z","2026-07-01T14:07:18.339Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":2801,"title":2794,"topics":2802,"noIndex":28,"category":2811,"language":2820,"component":526,"heroMedia":2821,"metaTitle":2822,"publishedAt":90,"readingTime":2823,"redirectUrl":90,"listingImage":2824,"metaDescription":2825,"bottomArticleCta":2826,"componentsAfterTheArticle":2827},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[2803],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2804,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2805,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2806,"default_full_slug":147,"translated_slugs":2807,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2808,2809,2810],{"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":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":2812,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":2814,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":2815,"default_full_slug":533,"translated_slugs":2816,"_stopResolving":41},{"_uid":520,"icon":2813,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2817,2818,2819],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","12",[],"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",[],[2828],{"_uid":2829,"items":2830,"heading":2891,"component":625},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[2831,2841,2851,2861,2871,2881],{"_uid":2832,"title":2833,"component":553,"description":2834},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":2835},[2836],{"type":110,"attrs":2837,"content":2838},{"textAlign":25},[2839],{"text":2840,"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":2842,"title":2843,"component":553,"description":2844},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":2845},[2846],{"type":110,"attrs":2847,"content":2848},{"textAlign":25},[2849],{"text":2850,"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":2852,"title":2853,"component":553,"description":2854},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":2855},[2856],{"type":110,"attrs":2857,"content":2858},{"textAlign":25},[2859],{"text":2860,"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":2862,"title":2863,"component":553,"description":2864},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":2865},[2866],{"type":110,"attrs":2867,"content":2868},{"textAlign":25},[2869],{"text":2870,"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":2872,"title":2873,"component":553,"description":2874},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":2875},[2876],{"type":110,"attrs":2877,"content":2878},{"textAlign":25},[2879],{"text":2880,"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":2882,"title":2883,"component":553,"description":2884},"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":2885},[2886],{"type":110,"attrs":2887,"content":2888},{"textAlign":25},[2889],{"text":2890,"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.",[2892],{"cta":2893,"_uid":2894,"title":2895,"eyebrow":2901,"subtitle":2906,"component":160,"textAlign":90,"flexibleSection":2911,"sectionSettings":2912,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":2896},[2897],{"type":160,"attrs":2898,"content":2899},{"level":609,"textAlign":25},[2900],{"text":612,"type":116},{"type":107,"content":2902},[2903],{"type":110,"attrs":2904,"content":2905},{"textAlign":25},[],{"type":107,"content":2907},[2908],{"type":110,"attrs":2909,"content":2910},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2070,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9",[],"blog/pagos-sepa-espana-2026",[2921,2922,2923],{"path":2919,"name":25,"lang":37,"published":25},{"path":2919,"name":25,"lang":39,"published":25},{"path":2919,"name":25,"lang":32,"published":25},{"name":2925,"created_at":2926,"published_at":2927,"updated_at":2928,"id":2929,"uuid":2930,"content":2931,"slug":3042,"full_slug":3043,"sort_by_date":25,"position":3044,"tag_list":3045,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3046,"first_published_at":3047,"release_id":25,"lang":32,"path":25,"alternates":3048,"default_full_slug":3049,"translated_slugs":3050},"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":2932,"title":2925,"topics":2933,"noIndex":28,"category":2942,"language":2951,"component":526,"heroMedia":2952,"metaTitle":2953,"publishedAt":90,"readingTime":2954,"redirectUrl":90,"listingImage":2955,"metaDescription":2956,"bottomArticleCta":2957,"componentsAfterTheArticle":2958},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[2934],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2935,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2936,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2937,"default_full_slug":147,"translated_slugs":2938,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2939,2940,2941],{"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":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":2943,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":2945,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":2946,"default_full_slug":533,"translated_slugs":2947,"_stopResolving":41},{"_uid":520,"icon":2944,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2948,2949,2950],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"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.",[],[2959],{"_uid":2960,"items":2961,"heading":3020,"component":625},"f710724d-656b-444b-b6f5-476932443755",[2962,2972,2990,3000,3010],{"_uid":2963,"title":2964,"component":553,"description":2965},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":107,"content":2966},[2967],{"type":110,"attrs":2968,"content":2969},{"textAlign":25},[2970],{"text":2971,"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":2973,"title":2974,"component":553,"description":2975},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":2976},[2977],{"type":110,"attrs":2978,"content":2979},{"textAlign":25},[2980,2982,2988],{"text":2981,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":2983,"type":116,"marks":2984},"objetivos financieros",[2985],{"type":176,"attrs":2986},{"href":2987,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":2989,"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":2991,"title":2992,"component":553,"description":2993},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":2994},[2995],{"type":110,"attrs":2996,"content":2997},{"textAlign":25},[2998],{"text":2999,"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":3001,"title":3002,"component":553,"description":3003},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":3004},[3005],{"type":110,"attrs":3006,"content":3007},{"textAlign":25},[3008],{"text":3009,"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":3011,"title":3012,"component":553,"description":3013},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":107,"content":3014},[3015],{"type":110,"attrs":3016,"content":3017},{"textAlign":25},[3018],{"text":3019,"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. ---",[3021],{"cta":3022,"_uid":3023,"title":3024,"eyebrow":3030,"subtitle":3035,"component":160,"textAlign":90,"flexibleSection":3040,"sectionSettings":3041,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"2fdaec23-ffc9-427f-b9a7-9dc3fbe6ec59",{"type":107,"content":3025},[3026],{"type":160,"attrs":3027,"content":3028},{"level":609,"textAlign":25},[3029],{"text":612,"type":116},{"type":107,"content":3031},[3032],{"type":110,"attrs":3033,"content":3034},{"textAlign":25},[],{"type":107,"content":3036},[3037],{"type":110,"attrs":3038,"content":3039},{"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",[3051,3052,3053],{"path":3049,"name":25,"lang":37,"published":25},{"path":3049,"name":25,"lang":39,"published":25},{"path":3049,"name":25,"lang":32,"published":25},{"name":3055,"created_at":3056,"published_at":3057,"updated_at":3058,"id":3059,"uuid":3060,"content":3061,"slug":3171,"full_slug":3172,"sort_by_date":25,"position":3173,"tag_list":3174,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3175,"first_published_at":3176,"release_id":25,"lang":32,"path":25,"alternates":3177,"default_full_slug":3178,"translated_slugs":3179},"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.",[],[3088],{"_uid":3089,"items":3090,"heading":3149,"component":625},"a20878f2-d2b2-4e16-8139-feffac717294",[3091,3101,3111,3121,3131],{"_uid":3092,"title":3093,"component":553,"description":3094},"6b09a910-fc84-45a6-b549-82c8f9ccc7b3","¿Cómo funciona el OCR para leer automáticamente las facturas de proveedores?",{"type":107,"content":3095},[3096],{"type":110,"attrs":3097,"content":3098},{"textAlign":25},[3099],{"text":3100,"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":3102,"title":3103,"component":553,"description":3104},"05f499b6-97e1-4fbd-acd8-379984551a16","¿Qué software de automatización de cuentas por pagar elegir para empresas en crecimiento?",{"type":107,"content":3105},[3106],{"type":110,"attrs":3107,"content":3108},{"textAlign":25},[3109],{"text":3110,"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":3112,"title":3113,"component":553,"description":3114},"1eca101b-bbf0-4534-8a0e-0c83e848d741","¿Cómo se integra la automatización AP con un ERP como SAP o NetSuite?",{"type":107,"content":3115},[3116],{"type":110,"attrs":3117,"content":3118},{"textAlign":25},[3119],{"text":3120,"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":3132,"title":3133,"component":553,"description":3134},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":107,"content":3135},[3136],{"type":110,"attrs":3137,"content":3138},{"textAlign":25},[3139,3141,3147],{"text":3140,"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":3142,"type":116,"marks":3143},"Solicita una demo",[3144],{"type":176,"attrs":3145},{"href":3146,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":3148,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3150],{"cta":3151,"_uid":3152,"title":3153,"eyebrow":3159,"subtitle":3164,"component":160,"textAlign":90,"flexibleSection":3169,"sectionSettings":3170,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":3154},[3155],{"type":160,"attrs":3156,"content":3157},{"level":609,"textAlign":25},[3158],{"text":612,"type":116},{"type":107,"content":3160},[3161],{"type":110,"attrs":3162,"content":3163},{"textAlign":25},[],{"type":107,"content":3165},[3166],{"type":110,"attrs":3167,"content":3168},{"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",[3180,3181,3182],{"path":3178,"name":25,"lang":37,"published":25},{"path":3178,"name":25,"lang":39,"published":25},{"path":3178,"name":25,"lang":32,"published":25},{"name":3184,"created_at":3185,"published_at":3186,"updated_at":3187,"id":3188,"uuid":3189,"content":3190,"slug":3292,"full_slug":3293,"sort_by_date":25,"position":3294,"tag_list":3295,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3296,"first_published_at":3297,"release_id":25,"lang":32,"path":25,"alternates":3298,"default_full_slug":3299,"translated_slugs":3300},"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":3191,"title":3184,"topics":3192,"noIndex":28,"category":3201,"language":3210,"component":526,"heroMedia":3211,"metaTitle":3212,"publishedAt":90,"readingTime":542,"redirectUrl":90,"listingImage":3213,"metaDescription":3214,"bottomArticleCta":3215,"componentsAfterTheArticle":3216},"66aa9356-5ad3-4104-a0eb-d89593906e46",[3193],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3194,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3195,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3196,"default_full_slug":147,"translated_slugs":3197,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3198,3199,3200],{"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":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":3202,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":3204,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":3205,"default_full_slug":533,"translated_slugs":3206,"_stopResolving":41},{"_uid":520,"icon":3203,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3207,3208,3209],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"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.",[],[3217],{"_uid":3218,"items":3219,"heading":3270,"component":625},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3220,3230,3240,3250,3260],{"_uid":3221,"title":3222,"component":553,"description":3223},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3224},[3225],{"type":110,"attrs":3226,"content":3227},{"textAlign":25},[3228],{"text":3229,"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":3231,"title":3232,"component":553,"description":3233},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":3234},[3235],{"type":110,"attrs":3236,"content":3237},{"textAlign":25},[3238],{"text":3239,"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":3241,"title":3242,"component":553,"description":3243},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":3244},[3245],{"type":110,"attrs":3246,"content":3247},{"textAlign":25},[3248],{"text":3249,"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":3251,"title":3252,"component":553,"description":3253},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":3254},[3255],{"type":110,"attrs":3256,"content":3257},{"textAlign":25},[3258],{"text":3259,"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":3261,"title":3262,"component":553,"description":3263},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":3264},[3265],{"type":110,"attrs":3266,"content":3267},{"textAlign":25},[3268],{"text":3269,"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",[3271],{"cta":3272,"_uid":3273,"title":3274,"eyebrow":3280,"subtitle":3285,"component":160,"textAlign":90,"flexibleSection":3290,"sectionSettings":3291,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":107,"content":3275},[3276],{"type":160,"attrs":3277,"content":3278},{"level":609,"textAlign":25},[3279],{"text":612,"type":116},{"type":107,"content":3281},[3282],{"type":110,"attrs":3283,"content":3284},{"textAlign":25},[],{"type":107,"content":3286},[3287],{"type":110,"attrs":3288,"content":3289},{"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",[3301,3302,3303],{"path":3299,"name":25,"lang":37,"published":25},{"path":3299,"name":25,"lang":39,"published":25},{"path":3299,"name":25,"lang":32,"published":25},{"name":3305,"created_at":3306,"published_at":3307,"updated_at":3308,"id":3309,"uuid":3310,"content":3311,"slug":3421,"full_slug":3422,"sort_by_date":25,"position":3423,"tag_list":3424,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3425,"first_published_at":3426,"release_id":25,"lang":32,"path":25,"alternates":3427,"default_full_slug":3428,"translated_slugs":3429},"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":3312,"title":3305,"topics":3313,"noIndex":28,"category":3322,"language":3331,"component":526,"heroMedia":3332,"metaTitle":3333,"publishedAt":90,"readingTime":542,"redirectUrl":90,"listingImage":3334,"metaDescription":3335,"bottomArticleCta":3336,"componentsAfterTheArticle":3337},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3314],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3315,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3316,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3317,"default_full_slug":147,"translated_slugs":3318,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3319,3320,3321],{"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":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":3323,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":3325,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":3326,"default_full_slug":533,"translated_slugs":3327,"_stopResolving":41},{"_uid":520,"icon":3324,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3328,3329,3330],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"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.",[],[3338],{"_uid":3339,"items":3340,"heading":3399,"component":625},"624a6787-08f1-4f35-8970-94eeedbbef72",[3341,3351,3361,3371,3381],{"_uid":3342,"title":3343,"component":553,"description":3344},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":3345},[3346],{"type":110,"attrs":3347,"content":3348},{"textAlign":25},[3349],{"text":3350,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3352,"title":3353,"component":553,"description":3354},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":3355},[3356],{"type":110,"attrs":3357,"content":3358},{"textAlign":25},[3359],{"text":3360,"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":3362,"title":3363,"component":553,"description":3364},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":3365},[3366],{"type":110,"attrs":3367,"content":3368},{"textAlign":25},[3369],{"text":3370,"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":3372,"title":3373,"component":553,"description":3374},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":3375},[3376],{"type":110,"attrs":3377,"content":3378},{"textAlign":25},[3379],{"text":3380,"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":3382,"title":3383,"component":553,"description":3384},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":3385},[3386],{"type":110,"attrs":3387,"content":3388},{"textAlign":25},[3389,3391,3397],{"text":3390,"type":116},"Sí. 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Guía paso a paso para equipos financieros.",[],[3484],{"_uid":3485,"items":3486,"heading":1162,"component":625},"d437e15a-ca83-40ff-962f-928bbc083496",[3487,3505,3515,3525,3535],{"_uid":3488,"title":3489,"component":553,"description":3490},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":3491},[3492],{"type":110,"attrs":3493,"content":3494},{"textAlign":25},[3495,3497,3503],{"text":3496,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":3498,"type":116,"marks":3499},"Ley 15/2010",[3500],{"type":176,"attrs":3501},{"href":3502,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":3504,"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":3506,"title":3507,"component":553,"description":3508},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3509},[3510],{"type":110,"attrs":3511,"content":3512},{"textAlign":25},[3513],{"text":3514,"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":3516,"title":3517,"component":553,"description":3518},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":3519},[3520],{"type":110,"attrs":3521,"content":3522},{"textAlign":25},[3523],{"text":3524,"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":3526,"title":3527,"component":553,"description":3528},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":3529},[3530],{"type":110,"attrs":3531,"content":3532},{"textAlign":25},[3533],{"text":3534,"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":3536,"title":3537,"component":553,"description":3538},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3539},[3540],{"type":110,"attrs":3541,"content":3542},{"textAlign":25},[3543,3545,3551,3553,3559],{"text":3544,"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":3546,"type":116,"marks":3547},"conciliación",[3548],{"type":176,"attrs":3549},{"href":3550,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":3552,"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":3554,"type":116,"marks":3555},"visita spendesk.com/es/",[3556],{"type":176,"attrs":3557},{"href":3558,"uuid":25,"anchor":25,"target":179,"linktype":98},"https://www.spendesk.com/es/",{"text":482,"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",[3568,3569,3570],{"path":3566,"name":25,"lang":37,"published":25},{"path":3566,"name":25,"lang":39,"published":25},{"path":3566,"name":25,"lang":32,"published":25},{"name":3572,"created_at":3573,"published_at":3574,"updated_at":3575,"id":3576,"uuid":3577,"content":3578,"slug":3686,"full_slug":3687,"sort_by_date":25,"position":3688,"tag_list":3689,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3690,"first_published_at":3691,"release_id":25,"lang":32,"path":25,"alternates":3692,"default_full_slug":3693,"translated_slugs":3694},"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":3579,"title":3572,"topics":3580,"noIndex":28,"category":3597,"language":3606,"component":526,"heroMedia":3607,"metaTitle":3608,"publishedAt":90,"readingTime":2954,"redirectUrl":90,"listingImage":3609,"metaDescription":3610,"bottomArticleCta":3611,"componentsAfterTheArticle":3612},"c037fbcf-4158-4dad-96d1-4603185c9798",[3581,3589],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3582,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3583,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3584,"default_full_slug":147,"translated_slugs":3585,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3586,3587,3588],{"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":3452,"created_at":3453,"published_at":16,"updated_at":3454,"id":3455,"uuid":3456,"content":3590,"slug":3458,"full_slug":3459,"sort_by_date":25,"position":141,"tag_list":3591,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3461,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3592,"default_full_slug":3463,"translated_slugs":3593,"_stopResolving":41},{"_uid":138,"name":3452,"component":22},[],[],[3594,3595,3596],{"path":3463,"name":25,"lang":37,"published":25},{"path":3463,"name":25,"lang":39,"published":25},{"path":3463,"name":25,"lang":32,"published":25},{"name":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":3598,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":3600,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":3601,"default_full_slug":533,"translated_slugs":3602,"_stopResolving":41},{"_uid":520,"icon":3599,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3603,3604,3605],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"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.",[],[3613],{"_uid":3614,"items":3615,"heading":1162,"component":625},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[3616,3626,3636,3646,3656,3666,3676],{"_uid":3617,"title":3618,"component":553,"description":3619},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":3620},[3621],{"type":110,"attrs":3622,"content":3623},{"textAlign":25},[3624],{"text":3625,"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":3627,"title":3628,"component":553,"description":3629},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":3630},[3631],{"type":110,"attrs":3632,"content":3633},{"textAlign":25},[3634],{"text":3635,"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":3637,"title":3638,"component":553,"description":3639},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3640},[3641],{"type":110,"attrs":3642,"content":3643},{"textAlign":25},[3644],{"text":3645,"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":3647,"title":3648,"component":553,"description":3649},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3650},[3651],{"type":110,"attrs":3652,"content":3653},{"textAlign":25},[3654],{"text":3655,"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":3657,"title":3658,"component":553,"description":3659},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3660},[3661],{"type":110,"attrs":3662,"content":3663},{"textAlign":25},[3664],{"text":3665,"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":3667,"title":3668,"component":553,"description":3669},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3670},[3671],{"type":110,"attrs":3672,"content":3673},{"textAlign":25},[3674],{"text":3675,"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":3677,"title":3678,"component":553,"description":3679},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3680},[3681],{"type":110,"attrs":3682,"content":3683},{"textAlign":25},[3684],{"text":3685,"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",[3695,3696,3697],{"path":3693,"name":25,"lang":37,"published":25},{"path":3693,"name":25,"lang":39,"published":25},{"path":3693,"name":25,"lang":32,"published":25},{"name":3699,"created_at":3700,"published_at":3701,"updated_at":3702,"id":3703,"uuid":3704,"content":3705,"slug":3793,"full_slug":3794,"sort_by_date":25,"position":3795,"tag_list":3796,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":3797,"first_published_at":3701,"release_id":25,"lang":32,"path":25,"alternates":3798,"default_full_slug":3799,"translated_slugs":3800},"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":3706,"title":3699,"topics":3707,"noIndex":28,"category":3724,"language":3733,"component":526,"heroMedia":3734,"metaTitle":3735,"publishedAt":90,"readingTime":2954,"redirectUrl":90,"listingImage":3736,"metaDescription":3737,"bottomArticleCta":3738,"componentsAfterTheArticle":3739},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3708,3716],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3709,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3710,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3711,"default_full_slug":147,"translated_slugs":3712,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3713,3714,3715],{"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":3452,"created_at":3453,"published_at":16,"updated_at":3454,"id":3455,"uuid":3456,"content":3717,"slug":3458,"full_slug":3459,"sort_by_date":25,"position":141,"tag_list":3718,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3461,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3719,"default_full_slug":3463,"translated_slugs":3720,"_stopResolving":41},{"_uid":138,"name":3452,"component":22},[],[],[3721,3722,3723],{"path":3463,"name":25,"lang":37,"published":25},{"path":3463,"name":25,"lang":39,"published":25},{"path":3463,"name":25,"lang":32,"published":25},{"name":514,"created_at":515,"published_at":16,"updated_at":516,"id":517,"uuid":518,"content":3725,"slug":526,"full_slug":527,"sort_by_date":25,"position":52,"tag_list":3727,"is_startpage":28,"parent_id":529,"meta_data":25,"group_id":530,"first_published_at":531,"release_id":25,"lang":32,"path":25,"alternates":3728,"default_full_slug":533,"translated_slugs":3729,"_stopResolving":41},{"_uid":520,"icon":3726,"name":514,"component":525},{"id":522,"alt":523,"name":90,"focus":90,"title":90,"filename":524,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3730,3731,3732],{"path":533,"name":25,"lang":37,"published":25},{"path":533,"name":25,"lang":39,"published":25},{"path":533,"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.",[],[3740],{"_uid":3741,"items":3742,"heading":1162,"component":625},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3743,3753,3763,3773,3783],{"_uid":3744,"title":3745,"component":553,"description":3746},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3747},[3748],{"type":110,"attrs":3749,"content":3750},{"textAlign":25},[3751],{"text":3752,"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":3754,"title":3755,"component":553,"description":3756},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":3757},[3758],{"type":110,"attrs":3759,"content":3760},{"textAlign":25},[3761],{"text":3762,"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":3764,"title":3765,"component":553,"description":3766},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":3767},[3768],{"type":110,"attrs":3769,"content":3770},{"textAlign":25},[3771],{"text":3772,"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":3774,"title":3775,"component":553,"description":3776},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":3777},[3778],{"type":110,"attrs":3779,"content":3780},{"textAlign":25},[3781],{"text":3782,"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":3784,"title":3785,"component":553,"description":3786},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":3787},[3788],{"type":110,"attrs":3789,"content":3790},{"textAlign":25},[3791],{"text":3792,"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.",[4217],{"cta":4218,"_uid":4219,"title":4220,"eyebrow":4227,"subtitle":4230,"component":160,"textAlign":90,"sectionSettings":4233,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"72a2abb9-de4d-403c-a3dd-cd7be666aae8",{"type":107,"content":4221},[4222],{"type":160,"attrs":4223,"content":4224},{"level":609},[4225],{"text":4226,"type":116},"Gestion De Facturas — FAQ",{"type":107,"content":4228},[4229],{"type":110},{"type":107,"content":4231},[4232],{"type":110},[],[4235],{"_uid":4236,"hide":28,"theme":3996,"anchorId":90,"component":3997,"spacingTop":90,"hideOnDevices":4237,"spacingBottom":90,"floatingImages":4238,"variableOverrides":4239},"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",[4249,4250,4251],{"path":4247,"name":25,"lang":37,"published":25},{"path":4247,"name":25,"lang":39,"published":25},{"path":4247,"name":25,"lang":32,"published":25},[4253,4254,4255,4256],["Reactive",2924],["Reactive",3804],["Reactive",3571],["Reactive",3304],1782916076387]