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Nuestros equipos locales trabajan estrechamente con los clientes y se mantienen al día de los cambios normativos y de las formas de trabajar, lo que nos ayuda a crear las herramientas que los equipos financieros necesitan en su día a día.",[614],{"type":318,"attrs":615},{"color":320},{"type":61,"attrs":617,"content":618},{"textAlign":17},[619],{"text":620,"type":52,"marks":621},"Desde la gestión de dietas en Alemania hasta el kilometraje conforme a los requisitos de HMRC en el Reino Unido, estas funciones responden a los requisitos locales que pueden marcar una gran diferencia para los equipos financieros que operan en toda Europa.",[622],{"type":318,"attrs":623},{"color":320},{"type":46,"attrs":625,"content":626},{"level":590,"textAlign":17},[627],{"text":628,"type":52,"marks":629},"Funcionalidades diseñadas para los equipos financieros europeos",[630],{"type":318,"attrs":631},{"color":320},{"type":61,"attrs":633,"content":634},{"textAlign":17},[635],{"text":636,"type":52,"marks":637},"Las empresas europeas no gastan, aprueban ni contabilizan el dinero de la misma manera. 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VeriFactu",[1110,1112,1114],{"type":346,"attrs":1111},{"href":1104,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1113},{"color":358},{"type":360},{"text":994,"type":52,"marks":1116},[1117],{"type":318,"attrs":1118},{"color":320},{"type":324,"attrs":1120},{"id":1121,"body":1122},"e6e9445d-33bb-46ae-97bb-1279ac6838ad",[1123],{"_uid":1124,"name":1125,"role":18,"image":1126,"quote":1128,"component":1129},"i-c5e3c73d-51e7-4d92-90d4-0bfe3d972927","Isabelle Decomble, responsable financiera de Niji",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"filename":17,"copyright":17,"fieldtype":19,"meta_data":1127,"is_external_url":14},{},"«Spendesk nos proporciona la agilidad que necesitamos para gestionar el gasto y la contabilidad a gran escala. Hoy no me imagino trabajando sin ella».","quote",{"type":61,"attrs":1131,"content":1132},{"textAlign":17},[1133],{"text":1134,"type":52,"marks":1135},"Consulta nuestra lista completa de integraciones contables →",[1136,1139,1141],{"type":346,"attrs":1137},{"href":1138,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/integrations/",{"type":318,"attrs":1140},{"color":358},{"type":360},{"type":46,"attrs":1143,"content":1144},{"level":444,"textAlign":17},[1145],{"text":1146,"type":52,"marks":1147},"Soberanía de los datos en Europa: ¿dónde almacena Spendesk los datos de sus clientes?",[1148],{"type":318,"attrs":1149},{"color":320},{"type":61,"attrs":1151,"content":1152},{"textAlign":17},[1153],{"text":1154,"type":52,"marks":1155},"Cuando un equipo financiero firma un contrato con una plataforma de gestión del gasto, le confía el acceso a los datos financieros de su empresa. Dónde se almacenan esos datos, qué marco jurídico se aplica y bajo qué jurisdicción se encuentran son cuestiones fundamentales de la soberanía europea de los datos. Para un director financiero o un responsable de protección de datos, deben formar parte de la lista de comprobaciones durante el proceso de evaluación.",[1156],{"type":318,"attrs":1157},{"color":320},{"type":46,"attrs":1159,"content":1160},{"level":590,"textAlign":17},[1161],{"text":1162,"type":52,"marks":1163},"Una empresa francesa, sujeta a la legislación francesa",[1164],{"type":318,"attrs":1165},{"color":320},{"type":61,"attrs":1167,"content":1168},{"textAlign":17},[1169],{"text":1170,"type":52,"marks":1171},"Spendesk es una empresa francesa, constituida y regulada conforme a la legislación francesa y europea. Los datos de los clientes se alojan en AWS Irlanda, dentro de la Unión Europea y sujetos al RGPD. Spendesk no está sujeta a la legislación estadounidense. Los compromisos de AWS en materia de protección de datos y los marcos jurídicos europeos ofrecen garantías adicionales frente al acceso de terceros.",[1172],{"type":318,"attrs":1173},{"color":320},{"type":46,"attrs":1175,"content":1176},{"level":590,"textAlign":17},[1177],{"text":1178,"type":52,"marks":1179},"SFS, la licencia de pagos propia de Spendesk",[1180],{"type":318,"attrs":1181},{"color":320},{"type":61,"attrs":1183,"content":1184},{"textAlign":17},[1185],{"text":1186,"type":52,"marks":1187},"Desde el lanzamiento de Spendesk Financial Services en 2022, Spendesk opera su propia entidad de pago regulada. Esto proporciona a los clientes europeos una relación directa con un proveedor de pagos creado y supervisado en Europa.",[1188],{"type":318,"attrs":1189},{"color":320},{"type":61,"attrs":1191,"content":1192},{"textAlign":17},[1193],{"text":1194,"type":52,"marks":1195},"Spendesk Financial Services SAS (SFS) es una filial íntegramente participada por Spendesk y una entidad de pago autorizada por la ACPR, identificada con el número CIB 17518 y verificable en el registro de la ABE. Autorizada desde abril de 2022 por la autoridad francesa de supervisión financiera, SFS está autorizada en Francia y opera en los 30 países del EEE, con pasaporte PSD2 para los otros 29 países del EEE.",[1196],{"type":318,"attrs":1197},{"color":320},{"type":61,"attrs":1199,"content":1200},{"textAlign":17},[1201],{"text":1202,"type":52,"marks":1203},"Para los clientes del EEE, Spendesk creó su propia entidad de pago regulada, Spendesk Financial Services (SFS), en lugar de depender de un socio bancario externo. SFS está directamente regulada por la ACPR, lo que proporciona a Spendesk un mayor control sobre la infraestructura de pagos que respalda a sus clientes europeos. En el Reino Unido, Spendesk continúa prestando servicios de pago a través de un socio regulado.",[1204],{"type":318,"attrs":1205},{"color":320},{"type":46,"attrs":1207,"content":1208},{"level":590,"textAlign":17},[1209],{"text":1210,"type":52,"marks":1211},"RGPD, certificaciones y preparación para la facturación electrónica",[1212],{"type":318,"attrs":1213},{"color":320},{"type":61,"attrs":1215,"content":1216},{"textAlign":17},[1217],{"text":1218,"type":52,"marks":1219},"Los datos de los clientes se alojan en AWS Irlanda. Spendesk mantiene la residencia de los datos dentro de la Unión Europea, en Europa y bajo la legislación de la UE, con la CNIL como autoridad principal de supervisión. El cumplimiento del RGPD del Reino Unido se mantiene por separado bajo la supervisión de la ICO.",[1220],{"type":318,"attrs":1221},{"color":320},{"type":61,"attrs":1223,"content":1224},{"textAlign":17},[1225],{"text":1226,"type":52,"marks":1227},"Spendesk cuenta con la certificación ISO 27001:2022, certificado n.º 122410, válido hasta febrero de 2027. Cumple con DORA desde enero de 2025 y con PSD2 y la autenticación reforzada del cliente (SCA) en todas las transacciones con tarjeta.",[1228],{"type":318,"attrs":1229},{"color":320},{"type":61,"attrs":1231,"content":1232},{"textAlign":17},[1233],{"text":1234,"type":52,"marks":1235},"En cuanto a la facturación electrónica, el requisito alemán de recepción obligatoria de facturas electrónicas B2B entró en vigor en enero de 2025. Spendesk cumplía con él desde el primer día. El mandato Peppol de Bélgica llegó en enero de 2026, y Spendesk es un punto de acceso Peppol certificado. Francia ya está preparando su despliegue para 2026 y 2027.",[1236],{"type":318,"attrs":1237},{"color":320},{"type":61,"attrs":1239,"content":1240},{"textAlign":17},[1241],{"text":1242,"type":52,"marks":1243},"Los mandatos europeos de facturación electrónica no son opcionales. Integrar el cumplimiento normativo en un producto requiere años de trabajo. Spendesk lleva años haciéndolo.",[1244],{"type":318,"attrs":1245},{"color":320},{"type":324,"attrs":1247},{"id":1248,"body":1249},"d933532c-4de9-4069-b642-c57e01cb2221",[1250],{"_uid":1251,"text":1252,"color":331,"title":1253,"component":333},"i-9c95c723-0fd0-4858-b07d-e6cb9331d739","✅ Entidad de pago autorizada por la ACPR, CIB n.º 17518\n\n✅ Opera en los 30 países del EEE, con pasaporte PSD2 para los otros 29 países del EEE\n\n✅ Certificación ISO 27001:2022, certificado n.º 122410\n\n✅ Todos los datos se alojan en AWS Irlanda, dentro de la UE\n\n✅ Diseñada conforme al RGPD, bajo la supervisión de la CNIL\n\n✅ Cumple con DORA desde enero de 2025\n\n✅ Punto de acceso Peppol certificado\n\n✅ Cumple con la normativa de facturación electrónica: 🇩🇪 Alemania, 🇧🇪 Bélgica, 🇫🇷 Francia en preparación\n\n✅ Primera plataforma europea de gestión del gasto y compras en alcanzar la rentabilidad, en 2025","Lista de certificaciones europeas de Spendesk",{"type":46,"attrs":1255,"content":1256},{"level":444,"textAlign":17},[1257],{"text":1258,"type":52,"marks":1259},"Por qué destacamos incluso entre los proveedores europeos",[1260],{"type":318,"attrs":1261},{"color":320},{"type":641,"content":1263},[1264,1280,1296,1312,1328,1344,1360,1376,1392],{"type":644,"content":1265},[1266],{"type":61,"attrs":1267,"content":1268},{"textAlign":17},[1269,1275],{"text":1270,"type":52,"marks":1271},"Sin tarifas por usuario",[1272,1274],{"type":318,"attrs":1273},{"color":320},{"type":322},{"text":1276,"type":52,"marks":1277},", las empresas pueden implementar Spendesk en toda la organización y gestionar todos los gastos de la empresa desde un único sistema.",[1278],{"type":318,"attrs":1279},{"color":320},{"type":644,"content":1281},[1282],{"type":61,"attrs":1283,"content":1284},{"textAlign":17},[1285,1291],{"text":1286,"type":52,"marks":1287},"Sin comisiones por tarjeta",[1288,1290],{"type":318,"attrs":1289},{"color":320},{"type":322},{"text":1292,"type":52,"marks":1293},", puedes crear tantas tarjetas físicas y virtuales como necesiten tus equipos.",[1294],{"type":318,"attrs":1295},{"color":320},{"type":644,"content":1297},[1298],{"type":61,"attrs":1299,"content":1300},{"textAlign":17},[1301,1307],{"text":1302,"type":52,"marks":1303},"Hasta tres entidades",[1304,1306],{"type":318,"attrs":1305},{"color":320},{"type":322},{"text":1308,"type":52,"marks":1309},", todas disponibles en nuestro plan Base.",[1310],{"type":318,"attrs":1311},{"color":320},{"type":644,"content":1313},[1314],{"type":61,"attrs":1315,"content":1316},{"textAlign":17},[1317,1323],{"text":1318,"type":52,"marks":1319},"Gestiona todos los gastos de una entidad",[1320,1322],{"type":318,"attrs":1321},{"color":320},{"type":322},{"text":1324,"type":52,"marks":1325}," desde una plataforma centralizada, sin coste adicional.",[1326],{"type":318,"attrs":1327},{"color":320},{"type":644,"content":1329},[1330],{"type":61,"attrs":1331,"content":1332},{"textAlign":17},[1333,1339],{"text":1334,"type":52,"marks":1335},"Gestiona todos los tipos de gasto desde una única plataforma",[1336,1338],{"type":318,"attrs":1337},{"color":320},{"type":322},{"text":1340,"type":52,"marks":1341},", incluidas las tarjetas, los gastos, las facturas, las suscripciones y las compras.",[1342],{"type":318,"attrs":1343},{"color":320},{"type":644,"content":1345},[1346],{"type":61,"attrs":1347,"content":1348},{"textAlign":17},[1349,1355],{"text":1350,"type":52,"marks":1351},"Configura flujos de aprobación, presupuestos y límites de gasto flexibles",[1352,1354],{"type":318,"attrs":1353},{"color":320},{"type":322},{"text":1356,"type":52,"marks":1357}," para mantener el control antes de que se efectúe el gasto.",[1358],{"type":318,"attrs":1359},{"color":320},{"type":644,"content":1361},[1362],{"type":61,"attrs":1363,"content":1364},{"textAlign":17},[1365,1371],{"text":1366,"type":52,"marks":1367},"Automatiza las tareas contables",[1368,1370],{"type":318,"attrs":1369},{"color":320},{"type":322},{"text":1372,"type":52,"marks":1373},", desde el procesamiento de justificantes recibos y facturas hasta la categorización y la conciliación.",[1374],{"type":318,"attrs":1375},{"color":320},{"type":644,"content":1377},[1378],{"type":61,"attrs":1379,"content":1380},{"textAlign":17},[1381,1387],{"text":1382,"type":52,"marks":1383},"Diseñada para empresas europeas en crecimiento",[1384,1386],{"type":318,"attrs":1385},{"color":320},{"type":322},{"text":1388,"type":52,"marks":1389},", con visibilidad sobre entidades, equipos y países.",[1390],{"type":318,"attrs":1391},{"color":320},{"type":644,"content":1393},[1394],{"type":61,"attrs":1395,"content":1396},{"textAlign":17},[1397,1403],{"text":1398,"type":52,"marks":1399},"Una solución fácil de usar para los empleados",[1400,1402],{"type":318,"attrs":1401},{"color":320},{"type":322},{"text":1404,"type":52,"marks":1405},", que proporciona al equipo de Finanzas el control y la visibilidad que necesita.",[1406],{"type":318,"attrs":1407},{"color":320},{"type":324,"attrs":1409},{"id":1121,"body":1410},[1411],{"_uid":1412,"name":1413,"role":18,"image":1414,"quote":1416,"component":1129},"i-3f923b82-e705-4829-96f8-7c14db94a3ff","Benjamin Milot, director financiero de Pierre Frey",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"filename":17,"copyright":17,"fieldtype":19,"meta_data":1415,"is_external_url":14},{},"«Spendesk ha ayudado a nuestros equipos a dejar atrás las tareas administrativas y centrarse en un trabajo mucho más analítico».",{"type":46,"attrs":1418,"content":1419},{"level":444,"textAlign":17},[1420],{"text":1421,"type":52,"marks":1422},"Conclusión",[1423],{"type":318,"attrs":1424},{"color":320},{"type":61,"attrs":1426,"content":1427},{"textAlign":17},[1428],{"text":1429,"type":52,"marks":1430},"Los equipos financieros europeos trabajan en un contexto específico. Sus contables utilizan herramientas específicas. Los organismos reguladores establecen requisitos concretos. Y sus datos cuentan con protecciones legales específicas.",[1431],{"type":318,"attrs":1432},{"color":320},{"type":61,"attrs":1434,"content":1435},{"textAlign":17},[1436],{"text":1437,"type":52,"marks":1438},"Spendesk se creó dentro de ese contexto, desde cero y a lo largo de diez años de operaciones reales en Europa. Las integraciones reflejan la forma en que trabajan realmente los contables europeos. La estructura normativa responde a las exigencias de la legislación europea. Y la infraestructura de datos refleja lo que las empresas europeas necesitan y merecen.",[1439],{"type":318,"attrs":1440},{"color":320},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":1447,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":1456,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":1460,"default_full_slug":1461,"translated_slugs":1462,"_stopResolving":127},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1448,"icon":1449,"name":1442,"component":1453},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1463,1464,1465],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],[1469],{"cta":1470,"_uid":1486,"image":1487,"title":1491,"subtitle":1503,"component":1504},[1471],{"tag":18,"_uid":1472,"hide":14,"icon":1473,"link":1475,"type":18,"label":1485,"style":260,"component":261,"mobileLabel":18,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},"8bbcd253-afec-4862-bcd7-d257d900daac",{"id":17,"alt":17,"name":18,"focus":17,"title":17,"source":17,"filename":18,"copyright":17,"fieldtype":19,"meta_data":1474},{},{"id":1476,"url":18,"linktype":1477,"fieldtype":259,"cached_url":1478,"prep":127,"story":1479},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","story","/es/schedule-a-demo/",{"name":1480,"id":1481,"uuid":1476,"slug":1482,"url":1483,"full_slug":1484,"_stopResolving":127},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Book a demo","d6338e95-96c3-4d35-af35-b928b3b0d7ca",{"id":1488,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1489,"copyright":18,"fieldtype":19,"meta_data":1490,"is_external_url":14},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":43,"attrs":1492,"content":1493},{"backgroundColor":17},[1494],{"type":61,"attrs":1495,"content":1496},{"textAlign":17},[1497],{"text":1498,"type":52,"marks":1499},"Built for European businesses",[1500],{"type":55,"attrs":1501},{"class":1502},"text-item-heading text-item-heading-sm","Manage cards, expenses and invoices with a platform designed for Europe","ctaBlock","2026-05-04 00:00",[1507],{"_uid":1508,"type":18,"asset":1509,"caption":18,"overlay":1513,"component":498},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1510,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":1511,"copyright":18,"fieldtype":19,"meta_data":1512,"is_external_url":14},213243701078040,"https://a.storyblok.com/f/146026/1480x974/42273df0ea/bcn-1.png",{},[],"Descubre Spendesk, la plataforma europea de gestión de gastos para equipos financieros, con tarjetas, gestión de gastos, compras, integraciones locales y cumplimiento normativo europeo.",[],[1517],{"cta":1518,"_uid":1519,"items":1520,"heading":1740,"reverse":14,"component":1761,"sectionSettings":1762},[],"aeee9899-85a3-4061-8844-6e6450559099",[1521,1543,1621,1674,1707],{"_uid":1522,"hide":14,"title":1523,"component":1524,"description":1525},"78c7f082-9319-4d2f-8718-1b16f40a451f","1. ¿Qué significa en la práctica «Made in Europe» para Spendesk?","faqItem",{"type":43,"attrs":1526,"content":1527},{"backgroundColor":17},[1528],{"type":61,"attrs":1529,"content":1530},{"textAlign":17},[1531,1536,1537,1538],{"text":1532,"type":52,"marks":1533},"«Made in Europe» significa crear soluciones teniendo en cuenta las necesidades reales de los equipos financieros europeos, no limitarse a traducir un producto o añadir integraciones locales. Spendesk combina un profundo conocimiento de los mercados, una infraestructura de pagos regulada y un acompañamiento local cercano para ayudar a las empresas a gestionar sus operaciones financieras de forma eficiente y conforme a la normativa en toda Europa. ",[1534],{"type":318,"attrs":1535},{"color":320},{"type":510},{"type":510},{"text":1539,"type":52,"marks":1540},"Esta experiencia se construye con el tiempo, a partir de un conocimiento detallado de las normas, los sistemas de pago y los procesos operativos que varían de un mercado a otro. Las integraciones son solo una parte de esta cobertura más amplia, por lo que Spendesk se conecta tanto con herramientas locales como internacionales.",[1541],{"type":318,"attrs":1542},{"color":320},{"_uid":1544,"hide":14,"title":1545,"component":1524,"description":1546},"601308af-0b64-4e22-bb2d-4040e89e151c","2. ¿Con qué herramientas se integra Spendesk?",{"type":43,"attrs":1547,"content":1548},{"backgroundColor":17},[1549,1575],{"type":61,"attrs":1550,"content":1551},{"textAlign":17},[1552,1557,1563,1571],{"text":1553,"type":52,"marks":1554},"Spendesk se integra con herramientas de contabilidad, ERP, recursos humanos, gestión de viajes, comunicación e identidad, como Xero, NetSuite, DATEV, Personio, HiBob, TravelPerk y Slack, entre muchas otras. Consulta la lista completa en la",[1555],{"type":318,"attrs":1556},{"color":320},{"text":343,"type":52,"marks":1558},[1559,1561],{"type":346,"attrs":1560},{"href":1138,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1562},{"color":320},{"text":1564,"type":52,"marks":1565},"página de integraciones de Spendesk",[1566,1568,1570],{"type":346,"attrs":1567},{"href":1138,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1569},{"color":358},{"type":360},{"text":994,"type":52,"marks":1572},[1573],{"type":318,"attrs":1574},{"color":320},{"type":61,"attrs":1576,"content":1577},{"textAlign":17},[1578,1583,1590,1598,1603,1609,1617],{"text":1579,"type":52,"marks":1580},"Para obtener más información sobre las opciones de conexión de Spendesk, consulta",[1581],{"type":318,"attrs":1582},{"color":320},{"text":343,"type":52,"marks":1584},[1585,1588],{"type":346,"attrs":1586},{"href":1587,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/blog/public-api-spend-management/",{"type":318,"attrs":1589},{"color":320},{"text":1591,"type":52,"marks":1592},"Las principales ventajas de una API pública para las herramientas de gestión del gasto",[1593,1595,1597],{"type":346,"attrs":1594},{"href":1587,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1596},{"color":358},{"type":360},{"text":1599,"type":52,"marks":1600}," o descubre cómo Spendesk se conecta con el software de contabilidad local en",[1601],{"type":318,"attrs":1602},{"color":320},{"text":343,"type":52,"marks":1604},[1605,1607],{"type":346,"attrs":1606},{"href":788,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1608},{"color":320},{"text":1610,"type":52,"marks":1611},"Calidad alemana: integración de Spendesk con DATEV",[1612,1614,1616],{"type":346,"attrs":1613},{"href":788,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1615},{"color":358},{"type":360},{"text":994,"type":52,"marks":1618},[1619],{"type":318,"attrs":1620},{"color":320},{"_uid":1622,"hide":14,"title":1623,"component":1524,"description":1624},"126c17b5-d221-4150-8f12-d9ad4d9e5379","3. ¿Qué es la soberanía de los datos y qué implica la soberanía europea de los datos para los clientes de Spendesk?",{"type":43,"attrs":1625,"content":1626},{"backgroundColor":17},[1627],{"type":61,"attrs":1628,"content":1629},{"textAlign":17},[1630,1635,1642,1650,1655,1662,1670],{"text":1631,"type":52,"marks":1632},"Spendesk aloja los datos de sus clientes en infraestructura de AWS ubicada en Irlanda, dentro de la Unión Europea, y cumple los requisitos del RGPD. 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Spendesk admite organizaciones con varias entidades y ayuda a los equipos financieros a estandarizar sus procesos de gestión del gasto en distintos países, manteniendo los datos conectados con las herramientas contables y empresariales correspondientes. Descubre más sobre la",[1686],{"type":318,"attrs":1687},{"color":320},{"text":343,"type":52,"marks":1689},[1690,1693],{"type":346,"attrs":1691},{"href":1692,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/blog/multi-entity-management/",{"type":318,"attrs":1694},{"color":320},{"text":1696,"type":52,"marks":1697},"gestión multiempresa",[1698,1700,1702],{"type":346,"attrs":1699},{"href":1692,"uuid":17,"anchor":17,"target":17,"linktype":258},{"type":318,"attrs":1701},{"color":358},{"type":360},{"text":994,"type":52,"marks":1704},[1705],{"type":318,"attrs":1706},{"color":320},{"_uid":1708,"hide":14,"title":1709,"component":1524,"description":1710},"b035e9a1-33fd-4457-ac12-1840de65200a","5. ¿En qué se diferencia Spendesk de otras plataformas de gestión del gasto?",{"type":43,"attrs":1711,"content":1712},{"backgroundColor":17},[1713],{"type":61,"attrs":1714,"content":1715},{"textAlign":17},[1716,1721,1728,1736],{"text":1717,"type":52,"marks":1718},"Spendesk reúne tarjetas, gastos, facturas, compras, suscripciones, presupuestos, aprobaciones e informes en una única plataforma. Esto proporciona a los equipos financieros una visión completa del gasto de la empresa sin depender de varias soluciones independientes. Descubre cómo se compara Spendesk con otros proveedores en",[1719],{"type":318,"attrs":1720},{"color":320},{"text":343,"type":52,"marks":1722},[1723,1726],{"type":346,"attrs":1724},{"href":1725,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/blog/spend-management-software/",{"type":318,"attrs":1727},{"color":320},{"text":1729,"type":52,"marks":1730},"Las 10 principales soluciones de software de gestión del gasto para 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Y sin embargo, aquí estamos.",[1879],{"type":318,"attrs":1880},{"color":320},{"type":61,"attrs":1882,"content":1883},{"textAlign":17},[1884,1889,1898],{"text":1885,"type":52,"marks":1886},"La mayoría de los equipos financieros ya usan la IA de alguna forma. Según ",[1887],{"type":318,"attrs":1888},{"color":320},{"text":1890,"type":52,"marks":1891},"el Informe de Herramientas 2025 de CFO Connect",[1892,1895,1897],{"type":346,"attrs":1893},{"href":1894,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.cfoconnect.eu/resources/reports/top-cfo-tools-report-2025-download-the-report/",{"type":318,"attrs":1896},{"color":358},{"type":360},{"text":1899,"type":52,"marks":1900},", el 56% de los directores financieros ya la incorpora en su día a día. Pero hay una diferencia importante entre usar la IA para redactar un correo y usarla para consultar tus datos de gasto en tiempo real. Y hay una brecha aún mayor entre eso y el futuro que muchos anticipan: agentes capaces de detectar un problema de liquidez seis meses antes de que aterrice en tu mesa.",[1901],{"type":318,"attrs":1902},{"color":320},{"type":61,"attrs":1904,"content":1905},{"textAlign":17},[1906],{"text":1907,"type":52,"marks":1908},"El Protocolo de Contexto de Modelo (MCP) es lo que cierra esa primera brecha y empieza a construir el camino hacia la segunda.",[1909],{"type":318,"attrs":1910},{"color":320},{"type":61,"attrs":1912,"content":1913},{"textAlign":17},[1914],{"text":1915,"type":52,"marks":1916},"Este artículo explica qué es MCP en la práctica, cómo funcionan los agentes de IA y qué implica todo esto para tu estrategia de gestión del gasto. Sin tecnicismos.",[1917],{"type":318,"attrs":1918},{"color":320},{"type":61,"attrs":1920,"content":1921},{"textAlign":17},[1922],{"text":1923,"type":52,"marks":1924},"Puntos clave:",[1925,1927],{"type":318,"attrs":1926},{"color":320},{"type":322},{"type":641,"content":1929},[1930,1940,1950,1960],{"type":644,"content":1931},[1932],{"type":61,"attrs":1933,"content":1934},{"textAlign":17},[1935],{"text":1936,"type":52,"marks":1937},"MCP es un estándar abierto: un conector único que da a los asistentes de IA como Claude, Dust y ChatGPT acceso seguro y en tiempo real a tus herramientas financieras, sin integraciones a medida.",[1938],{"type":318,"attrs":1939},{"color":320},{"type":644,"content":1941},[1942],{"type":61,"attrs":1943,"content":1944},{"textAlign":17},[1945],{"text":1946,"type":52,"marks":1947},"Está pensado para todos los roles del equipo financiero. Previsiones, seguimiento de cuentas por pagar, contabilidad, liquidaciones, inteligencia de proveedores... tu asistente de IA puede encargarse de todo eso desde la misma herramienta que ya usa tu equipo.",[1948],{"type":318,"attrs":1949},{"color":320},{"type":644,"content":1951},[1952],{"type":61,"attrs":1953,"content":1954},{"textAlign":17},[1955],{"text":1956,"type":52,"marks":1957},"Elimina el ciclo interminable de exportar, copiar y pegar que ha sido la norma en finanzas. En lugar de volcar datos en hojas de cálculo y subirlas, tu herramienta de IA lee directamente los datos en vivo.",[1958],{"type":318,"attrs":1959},{"color":320},{"type":644,"content":1961},[1962],{"type":61,"attrs":1963,"content":1964},{"textAlign":17},[1965],{"text":1966,"type":52,"marks":1967},"Las plataformas mejor posicionadas para aprovechar el MCP son las que ya han centralizado los datos de gasto en un único lugar. Una sola fuente de verdad en tiempo real es lo que hace que un asistente de IA sea realmente útil.",[1968],{"type":318,"attrs":1969},{"color":320},{"type":324,"attrs":1971},{"id":1972,"body":1973},"3f1a494d-2373-4748-9475-2625fadf3322",[1974],{"_uid":1975,"type":18,"asset":1976,"caption":18,"overlay":1982,"component":498},"i-cd51c13d-43c3-4948-9f63-0cfec668dbc6",{"id":1977,"alt":1978,"name":18,"focus":18,"title":18,"source":18,"filename":1979,"copyright":18,"fieldtype":19,"meta_data":1980,"is_external_url":14},171866459474709,"a query placed in an AI assistant tool","https://a.storyblok.com/f/146026/507x384/baa74eb79a/ai-workstation_query.png",{"alt":1978,"size":1981,"title":18,"source":18,"copyright":18},"1520x1151",[],{"type":46,"attrs":1984,"content":1985},{"level":590,"textAlign":17},[1986],{"text":1987,"type":52,"marks":1988},"Antes y después del MCP",[1989,1991],{"type":318,"attrs":1990},{"color":320},{"type":322},{"type":61,"attrs":1993,"content":1994},{"textAlign":17},[1995],{"text":1996,"type":52,"marks":1997},"Antes del MCP: el cuello de botella de los datos financieros",[1998,2000],{"type":318,"attrs":1999},{"color":320},{"type":322},{"type":61,"attrs":2002,"content":2003},{"textAlign":17},[2004],{"text":2005,"type":52,"marks":2006},"Los equipos financieros tienen preguntas. Muchas. Pero obtener respuestas implica exportar datos de las herramientas de gestión del gasto a hojas de cálculo, filtrarlos y analizarlos a mano, construir un informe nuevo para cada pregunta nueva y esperar a que alguien tenga tiempo de prepararlo. El resultado es siempre el mismo: los análisis que realmente importan quedan bloqueados por las tareas operativas del día a día, y las herramientas de IA no pueden ayudar porque no tienen acceso a los datos reales.",[2007],{"type":318,"attrs":2008},{"color":320},{"type":61,"attrs":2010,"content":2011},{"textAlign":17},[2012],{"text":2013,"type":52,"marks":2014},"Después del MCP: tus datos financieros, listos para responder",[2015,2017],{"type":318,"attrs":2016},{"color":320},{"type":322},{"type":61,"attrs":2019,"content":2020},{"textAlign":17},[2021],{"text":2022,"type":52,"marks":2023},"MCP conecta los datos de gestión del gasto con asistentes de IA como Claude, Dust y ChatGPT. Los equipos financieros preguntan en lenguaje natural y obtienen respuestas en segundos. 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Un director financiero que pregunta «¿Cuál es nuestro gasto comprometido frente a la previsión de este trimestre?» ya no necesita esperar a que un analista extraiga y concilie los datos. 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",[2575],{"type":318,"attrs":2576},{"color":320},{"text":2578,"type":52,"marks":2579},"A principios de 2026",[2580,2583,2585],{"type":346,"attrs":2581},{"href":2582,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://blog.qualys.com/product-tech/2026/03/19/mcp-servers-shadow-it-ai-qualys-totalai-2026",{"type":318,"attrs":2584},{"color":358},{"type":360},{"text":2587,"type":52,"marks":2588},", más de 11 000 servidores MCP estaban disponibles en directorios públicos. Stripe ha publicado un servidor MCP oficial para operaciones de pago. Digits lanzó en abril de 2026 un servidor MCP de contabilidad de solo lectura, que da a los despachos contables acceso directo a los datos financieros de sus clientes desde herramientas de IA. Microsoft Dynamics 365 Finance and Operations ya es compatible con MCP. 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El control sigue siendo tuyo.",[2622],{"type":318,"attrs":2623},{"color":320},{"type":46,"attrs":2625,"content":2626},{"level":444,"textAlign":17},[2627,2633],{"text":2628,"type":52,"marks":2629},"Casos de uso reales de agentes de IA en finanzas",[2630,2632],{"type":318,"attrs":2631},{"color":320},{"type":322},{"type":510},{"type":46,"attrs":2635,"content":2636},{"level":590,"textAlign":17},[2637],{"text":2638,"type":52,"marks":2639},"Informes financieros automatizados con IA",[2640,2642],{"type":318,"attrs":2641},{"color":320},{"type":322},{"type":61,"attrs":2644,"content":2645},{"textAlign":17},[2646],{"text":2647,"type":52,"marks":2648},"El cierre mensual suele consumir dos o tres días en una empresa de 150 personas: extraer datos de múltiples sistemas, conciliar discrepancias, redactar los comentarios sobre desviaciones. 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Y las preguntas de seguimiento, como «¿Qué departamento se aleja más del presupuesto?» o «¿Qué explica la desviación en marketing?», continúan de forma natural, sin empezar de cero cada vez.",[2649],{"type":318,"attrs":2650},{"color":320},{"type":46,"attrs":2652,"content":2653},{"level":590,"textAlign":17},[2654],{"text":2655,"type":52,"marks":2656},"Caso de uso 1: Seguimiento en tiempo real de excepciones de política",[2657,2659],{"type":318,"attrs":2658},{"color":320},{"type":322},{"type":61,"attrs":2661,"content":2662},{"textAlign":17},[2663],{"text":2664,"type":52,"marks":2665},"El asistente supervisa las transacciones que fluyen por Spendesk y marca cualquier cosa que se salga de la política: categorías que no deberían aparecer, aprobaciones que han esquivado el flujo habitual, cargos individuales por encima de un umbral definido. El equipo recibe un resumen diario o una alerta inmediata para los casos más graves. Las excepciones que antes se detectaban por muestreo al cierre del mes ahora se identifican en el momento, cuando todavía se puede hacer algo.",[2666],{"type":318,"attrs":2667},{"color":320},{"type":46,"attrs":2669,"content":2670},{"level":590,"textAlign":17},[2671],{"text":2672,"type":52,"marks":2673},"Caso de uso 2: Briefing semanal de cuentas por pagar",[2674,2676],{"type":318,"attrs":2675},{"color":320},{"type":322},{"type":61,"attrs":2678,"content":2679},{"textAlign":17},[2680],{"text":2681,"type":52,"marks":2682},"Cada lunes por la mañana, la IA prepara el panorama de la semana: principales exposiciones por proveedor, pagos bloqueados esperando aprobación, importes vencidos, cualquier pago de gran cuantía. El resultado es un documento estructurado con el que el equipo puede trabajar antes de que empiece la semana. La conversación sobre tesorería que antes empezaba con «déjame preparar eso» arranca ahora con «esto es lo que tenemos delante».",[2683],{"type":318,"attrs":2684},{"color":320},{"type":46,"attrs":2686,"content":2687},{"level":590,"textAlign":17},[2688],{"text":2689,"type":52,"marks":2690},"Caso de uso 3: Auditoría trimestral de proveedores y SaaS",[2691,2693],{"type":318,"attrs":2692},{"color":320},{"type":322},{"type":61,"attrs":2695,"content":2696},{"textAlign":17},[2697],{"text":2698,"type":52,"marks":2699},"Bajo demanda o de forma trimestral, la IA revisa el gasto con proveedores en toda la empresa y muestra qué ha cambiado desde el último trimestre: contratos clave ordenados por palanca de negociación, proveedores que llevan seis meses sin utilizarse, suscripciones de SaaS en las que nadie inicia sesión. Es el tipo de inteligencia que normalmente solo aparece cuando alguien tiene tiempo de ir a buscarla, y que ahora está disponible en el tiempo que tarda en hacerse un café.",[2700],{"type":318,"attrs":2701},{"color":320},{"type":46,"attrs":2703,"content":2704},{"level":444,"textAlign":17},[2705],{"text":2706,"type":52,"marks":2707},"Qué significa esto para tu estrategia de gestión del gasto",[2708,2710],{"type":318,"attrs":2709},{"color":320},{"type":322},{"type":46,"attrs":2712,"content":2713},{"level":590,"textAlign":17},[2714,2715],{"type":510},{"text":2716,"type":52,"marks":2717},"La cuestión de la consolidación",[2718,2720],{"type":318,"attrs":2719},{"color":320},{"type":322},{"type":61,"attrs":2722,"content":2723},{"textAlign":17},[2724],{"text":2725,"type":52,"marks":2726},"Los equipos que más partido sacarán a la IA con MCP son los que ya han centralizado sus datos de gasto en una única plataforma. Si las facturas están en un sistema, los gastos en otro y los pedidos de compra en un tercero, el agente de IA no tiene un contexto unificado con el que trabajar. Solo puede ayudar con lo que puede ver.",[2727],{"type":318,"attrs":2728},{"color":320},{"type":46,"attrs":2730,"content":2731},{"level":590,"textAlign":17},[2732],{"text":2733,"type":52,"marks":2734},"Tres preguntas para saber si estás preparado",[2735,2737],{"type":318,"attrs":2736},{"color":320},{"type":322},{"type":2739,"attrs":2740,"content":2741},"ordered_list",{"order":48},[2742,2758,2774],{"type":644,"content":2743},[2744],{"type":61,"attrs":2745,"content":2746},{"textAlign":17},[2747,2753],{"text":2748,"type":52,"marks":2749},"¿Están tus datos de gasto en un solo lugar?",[2750,2752],{"type":318,"attrs":2751},{"color":320},{"type":322},{"text":2754,"type":52,"marks":2755}," Las tarjetas corporativas, los pagos de facturas, los gastos y los pedidos de compra deberían fluir por una única plataforma. Si es así, los agentes de IA pueden consultar un conjunto de datos unificado y dar respuestas fiables.",[2756],{"type":318,"attrs":2757},{"color":320},{"type":644,"content":2759},[2760],{"type":61,"attrs":2761,"content":2762},{"textAlign":17},[2763,2769],{"text":2764,"type":52,"marks":2765},"¿Son digitales tus flujos de aprobación?",[2766,2768],{"type":318,"attrs":2767},{"color":320},{"type":322},{"text":2770,"type":52,"marks":2771}," Las aprobaciones por correo y hoja de cálculo no se pueden integrar con agentes de IA. Los flujos digitales con reglas de enrutamiento claras crean la estructura que los agentes necesitan para funcionar.",[2772],{"type":318,"attrs":2773},{"color":320},{"type":644,"content":2775},[2776],{"type":61,"attrs":2777,"content":2778},{"textAlign":17},[2779,2785,2790,2800],{"text":2780,"type":52,"marks":2781},"¿Se integra tu plataforma con tu software contable a través de una API?",[2782,2784],{"type":318,"attrs":2783},{"color":320},{"type":322},{"text":2786,"type":52,"marks":2787}," Las integraciones con ",[2788],{"type":318,"attrs":2789},{"color":320},{"text":2791,"type":52,"marks":2792},"Xero",[2793,2798],{"type":346,"attrs":2794},{"href":2795,"uuid":2796,"anchor":17,"target":2797,"linktype":1477},"/es/integrations/xero-expense-management","1c5be156-ce97-4ff5-bc9d-23b16b1aa328","_self",{"type":318,"attrs":2799},{"color":320},{"text":2801,"type":52,"marks":2802},", QuickBooks, Sage o NetSuite permiten que los datos de gasto fluyan de forma automática entre sistemas. Esa es la base sobre la que la IA puede cruzar el gasto con los registros financieros.",[2803],{"type":318,"attrs":2804},{"color":320},{"type":46,"attrs":2806,"content":2807},{"level":590,"textAlign":17},[2808],{"text":2809,"type":52,"marks":2810},"Empieza con lo que ya tienes",[2811,2813],{"type":318,"attrs":2812},{"color":320},{"type":322},{"type":61,"attrs":2815,"content":2816},{"textAlign":17},[2817,2822,2830],{"text":2818,"type":52,"marks":2819},"Si has respondido sí a las tres preguntas, estás bien posicionado. Los usuarios de ",[2820],{"type":318,"attrs":2821},{"color":320},{"text":243,"type":52,"marks":2823},[2824,2828],{"type":346,"attrs":2825},{"href":2826,"uuid":2827,"anchor":17,"target":2797,"linktype":1477},"/es/platform/","4b39d188-071f-4f1b-9670-76374dd671b8",{"type":318,"attrs":2829},{"color":320},{"text":2831,"type":52,"marks":2832}," que ya gestionan todo el gasto de la empresa a través de la plataforma y la conectan con su software contable están, en la práctica, preparados para adoptar el MCP.",[2833],{"type":318,"attrs":2834},{"color":320},{"type":61,"attrs":2836,"content":2837},{"textAlign":17},[2838],{"text":2839,"type":52,"marks":2840},"Si has respondido no a alguna, la consolidación es el primer paso. Construye la base de datos y la capa de IA llega sola.",[2841],{"type":318,"attrs":2842},{"color":320},{"type":61,"attrs":2844,"content":2845},{"textAlign":17},[2846,2851,2858,2868],{"text":2847,"type":52,"marks":2848},"Kevin Steele, CFO fraccional que desarrolló su propia aplicación de FP&A en Claude Code, lo resumió con precisión en una sesión reciente de CFO Connect: «Cualquiera puede hacer un dashboard llamativo. Lo que realmente importa es la ingeniería financiera que hay detrás, la que hace que todo funcione de verdad.» Ese es el patrón: las herramientas de IA se ganan su lugar en una función financiera no por la interfaz, sino por la capa de datos que las sostiene. ",[2849],{"type":318,"attrs":2850},{"color":320},{"text":2852,"type":52,"marks":2853},"(",[2854,2856],{"type":318,"attrs":2855},{"color":320},{"type":2857},"italic",{"text":2859,"type":52,"marks":2860},"CFO Connect, Building an AI-Native FP&A App in Claude Code",[2861,2864,2866,2867],{"type":346,"attrs":2862},{"href":2863,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.cfoconnect.eu/resources/event-recaps/claude-code-finance-app-fpa-build/",{"type":318,"attrs":2865},{"color":358},{"type":2857},{"type":360},{"text":2869,"type":52,"marks":2870},")",[2871,2873],{"type":318,"attrs":2872},{"color":320},{"type":2857},{"type":46,"attrs":2875,"content":2876},{"level":444,"textAlign":17},[2877,2883],{"text":2878,"type":52,"marks":2879},"Preguntas frecuentes",[2880,2882],{"type":318,"attrs":2881},{"color":320},{"type":322},{"type":510},{"type":46,"attrs":2885,"content":2886},{"level":590,"textAlign":17},[2887],{"text":2888,"type":52,"marks":2889},"¿Qué es MCP y cómo funciona para finanzas?",[2890,2892],{"type":318,"attrs":2891},{"color":320},{"type":322},{"type":61,"attrs":2894,"content":2895},{"textAlign":17},[2896],{"text":2897,"type":52,"marks":2898},"El Protocolo de Contexto de Modelo es un estándar abierto que permite a los asistentes de IA conectarse de forma segura a herramientas externas y fuentes de datos. Para controllers, analistas de FP&A y directores financieros, significa que tu asistente (Claude Cowork, ChatGPT o Dust) puede acceder a tus datos de gasto en vivo y responder en lenguaje natural, sin exportaciones manuales ni integraciones a medida.",[2899],{"type":318,"attrs":2900},{"color":320},{"type":61,"attrs":2902,"content":2903},{"textAlign":17},[2904],{"text":2905,"type":52,"marks":2906},"Para los usuarios de Spendesk: conecta tu cuenta desde la configuración de integraciones de tu asistente de IA y empieza a consultar tus datos reales de cuentas por pagar, proveedores y pedidos de compra. La conexión funciona en modo de solo lectura por diseño, así que ningún dato puede modificarse. Las funcionalidades clave incluyen posición de tesorería, facturas vencidas, gasto por departamento, estado de pagos, conciliación de facturas, desviación presupuestaria e inteligencia de proveedores, todo desde una única interfaz conversacional conectada a tus datos reales de Spendesk.",[2907],{"type":318,"attrs":2908},{"color":320},{"type":46,"attrs":2910,"content":2911},{"level":590,"textAlign":17},[2912],{"text":2913,"type":52,"marks":2914},"¿Qué herramientas financieras son compatibles con la integración MCP?",[2915,2917],{"type":318,"attrs":2916},{"color":320},{"type":322},{"type":61,"attrs":2919,"content":2920},{"textAlign":17},[2921],{"text":2922,"type":52,"marks":2923},"La adopción todavía está en sus primeras etapas, pero se está acelerando. Stripe, Digits y Microsoft Dynamics 365 Finance ya tienen servidores MCP oficiales. La mayoría de los proveedores de software contable aún no han llegado ahí, pero el camino desde la adopción temprana hasta la disponibilidad generalizada suele durar entre 18 y 24 meses.",[2924],{"type":318,"attrs":2925},{"color":320},{"type":46,"attrs":2927,"content":2928},{"level":590,"textAlign":17},[2929],{"text":2930,"type":52,"marks":2931},"¿En qué se diferencia la IA agéntica de la automatización tradicional en finanzas?",[2932,2934],{"type":318,"attrs":2933},{"color":320},{"type":322},{"type":61,"attrs":2936,"content":2937},{"textAlign":17},[2938],{"text":2939,"type":52,"marks":2940},"La automatización tradicional sigue guiones fijos que se rompen en cuanto aparece una excepción. La IA agéntica razona sobre el contexto: puede reconocer que dos proveedores con nombres distintos son el mismo, o detectar que un tipo de IVA no encaja con los patrones históricos de una categoría de gasto concreta.",[2941],{"type":318,"attrs":2942},{"color":320},{"type":61,"attrs":2944,"content":2945},{"textAlign":17},[2946],{"text":2947,"type":52,"marks":2948},"La diferencia clave no está en la velocidad ni en la escala. Está en la capacidad de gestionar los casos grises que los sistemas basados en reglas no pueden manejar. Gartner predice que el 33% del software empresarial incluirá IA agéntica en 2028, frente a menos del 1% en 2024, lo que da una idea de la velocidad a la que avanza este cambio. Y la IA agéntica sigue operando dentro de los límites que tú defines: las aprobaciones, los pagos y las modificaciones permanecen bajo control humano. El agente muestra la información. Tú tomas la decisión.",[2949],{"type":318,"attrs":2950},{"color":320},{"type":46,"attrs":2952,"content":2953},{"level":590,"textAlign":17},[2954],{"text":2955,"type":52,"marks":2956},"¿Qué herramientas de gestión del gasto son compatibles con agentes de IA y MCP?",[2957,2959],{"type":318,"attrs":2958},{"color":320},{"type":322},{"type":61,"attrs":2961,"content":2962},{"textAlign":17},[2963],{"text":2964,"type":52,"marks":2965},"Las plataformas que centralizan todo el gasto en un único lugar (facturas, gastos, tarjetas corporativas y pedidos de compra) son las mejor posicionadas para integrarse con MCP. El servidor MCP de Spendesk se conecta directamente con Claude Cowork, ChatGPT y Dust, dando a tu equipo acceso conversacional a datos de gasto, cuentas por pagar, proveedores y pedidos de compra sin exportaciones ni desarrollo a medida. Spendesk también se integra con Xero, Sage, QuickBooks y NetSuite, extendiendo la inteligencia conectada por MCP a todo tu ecosistema financiero.",[2966],{"type":318,"attrs":2967},{"color":320},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":2969,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":2971,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":2972,"default_full_slug":1461,"translated_slugs":2973,"_stopResolving":127},{"_uid":1448,"icon":2970,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[2974,2975,2976],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],[],[2981],{"_uid":1508,"type":18,"asset":2982,"caption":18,"overlay":2987,"component":498},{"id":2983,"alt":2984,"name":18,"focus":18,"title":18,"source":18,"filename":2985,"copyright":18,"fieldtype":19,"meta_data":2986,"is_external_url":14},171872541842321,"diagram explaining what is mcp connectivity for finance","https://a.storyblok.com/f/146026/1538x858/5e3d1a35c9/mcp_blog_cover.jpeg",{"alt":2984,"title":18,"source":18,"copyright":18},[],"La IA en finanzas depende, sobre todo, de los datos que puede ver. Qué es MCP, cómo transforma el trabajo de los equipos financieros y si tu stack está preparado para dar el salto.\n",[],[],"que-es-mcp-y-que-significa-para-los-equipos-de-finanzas","es/blog/que-es-mcp-y-que-significa-para-los-equipos-de-finanzas",-1480,[],"bf6544d6-c52d-43f1-868b-c13db76529c7","2026-05-27T16:06:46.066Z",[],"blog/que-es-mcp-y-que-significa-para-los-equipos-de-finanzas",[3000,3001,3002],{"path":2998,"name":17,"lang":123,"published":17},{"path":2998,"name":17,"lang":125,"published":17},{"path":2998,"name":17,"lang":118,"published":17},{"name":3004,"created_at":3005,"published_at":104,"updated_at":3006,"id":3007,"uuid":3008,"content":3009,"slug":3854,"full_slug":3855,"sort_by_date":17,"position":3856,"tag_list":3857,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":3858,"first_published_at":3859,"release_id":17,"lang":118,"path":17,"alternates":3860,"default_full_slug":3861,"translated_slugs":3862,"_stopResolving":127}," Todo lo que debes saber para gestionar mejor los gastos de empresa","2023-04-12T13:11:31.647Z","2026-03-12T10:47:54.657Z",290893276,"42c0dbd0-9303-4e28-b598-a4f52cd70865",{"_uid":3010,"roles":3011,"title":3012,"author":3013,"topics":3032,"content":3053,"category":3821,"language":3830,"component":1454,"heroMedia":3831,"sidebarCta":3845,"publishedAt":3846,"readingTime":3847,"redirectUrl":18,"listingImage":3848,"metaDescription":3853},"582006ae-ca45-454f-bd77-bf43323678ac",[],"Todo lo que debes saber para gestionar mejor los gastos de empresa",{"name":243,"created_at":244,"published_at":104,"updated_at":245,"id":246,"uuid":247,"content":3014,"slug":273,"full_slug":274,"sort_by_date":17,"position":275,"tag_list":3026,"is_startpage":14,"parent_id":277,"meta_data":17,"group_id":278,"first_published_at":279,"release_id":17,"lang":118,"path":17,"alternates":3027,"default_full_slug":281,"translated_slugs":3028,"_stopResolving":127},{"_uid":249,"name":243,"links":3015,"picture":3019,"lastName":264,"component":265,"firstName":243,"description":3020},[3016],{"tag":18,"_uid":252,"icon":3017,"link":3018,"type":18,"label":18,"style":260,"component":261,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},{"id":254,"alt":18,"name":18,"focus":18,"title":18,"filename":255,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":257,"linktype":258,"fieldtype":259,"cached_url":257},{"alt":263,"name":18,"focus":18,"title":18,"filename":263,"copyright":18,"fieldtype":19,"is_external_url":14},{"type":43,"content":3021},[3022],{"type":61,"attrs":3023,"content":3024},{"textAlign":17},[3025],{"text":272,"type":52},[],[],[3029,3030,3031],{"path":281,"name":17,"lang":123,"published":17},{"path":281,"name":17,"lang":125,"published":17},{"path":281,"name":17,"lang":118,"published":17},[3033],{"name":3034,"created_at":3035,"published_at":104,"updated_at":3036,"id":3037,"uuid":3038,"content":3039,"slug":3041,"full_slug":3042,"sort_by_date":17,"position":3043,"tag_list":3044,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":3045,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":3047,"default_full_slug":3048,"translated_slugs":3049,"_stopResolving":127},"Gastos","2023-04-12T07:13:25.147Z","2026-03-12T10:47:54.304Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"_uid":3040,"name":3034,"component":110},"a2c58a16-f495-475f-951f-05171468aae4","gastos","es/blog/topic/gastos",-530,[],"64c72f54-59b5-40c2-acfd-1ce316754792","2022-11-02T15:24:39.815Z",[],"blog/topic/gastos",[3050,3051,3052],{"path":3048,"name":17,"lang":123,"published":17},{"path":3048,"name":17,"lang":125,"published":17},{"path":3048,"name":17,"lang":118,"published":17},{"type":43,"content":3054},[3055,3069,3087,3096,3145,3153,3162,3196,3224,3231,3239,3278,3356,3384,3392,3424,3432,3450,3468,3611,3619,3637,3669,3687,3695,3713,3745,3784,3816],{"type":61,"content":3056},[3057,3064],{"text":3058,"type":52,"marks":3059},"Gestionar y organizar de forma eficaz los gastos",[3060,3061],{"type":322},{"type":318,"attrs":3062},{"color":3063},"rgb(0, 0, 0)",{"text":3065,"type":52,"marks":3066}," es indispensable para cualquier empresa. Todavía más si tu empresa está creciendo. La aparición de nuevas necesidades conlleva inevitablemente la aparición de más costes. ",[3067],{"type":318,"attrs":3068},{"color":3063},{"type":61,"content":3070},[3071,3076,3082],{"text":3072,"type":52,"marks":3073},"¿Está tu empresa preparada para ",[3074],{"type":318,"attrs":3075},{"color":3063},{"text":3077,"type":52,"marks":3078},"una gestión de gastos cada vez mayor",[3079,3080],{"type":322},{"type":318,"attrs":3081},{"color":3063},{"text":3083,"type":52,"marks":3084},"? Spendesk tiene la solución para adaptarte a los cambios con total tranquilidad.",[3085],{"type":318,"attrs":3086},{"color":3063},{"type":46,"attrs":3088,"content":3089},{"level":444},[3090],{"text":3091,"type":52,"marks":3092},"Acabar con el “prehistórico” proceso estándar de gestión de gastos",[3093],{"type":318,"attrs":3094},{"color":3095},"rgb(79, 129, 189)",{"type":61,"content":3097},[3098,3103,3112,3117,3126,3134,3140],{"text":3099,"type":52,"marks":3100},"Tratar y validar montañas de recibos, facturas y ",[3101],{"type":318,"attrs":3102},{"color":3063},{"text":3104,"type":52,"marks":3105},"hojas de gastos",[3106,3110],{"type":346,"attrs":3107},{"href":3108,"uuid":3109,"anchor":17,"target":2797,"linktype":1477},"/es/blog/hojas-de-gastos","2fb7321f-3c5c-460d-8d5f-8b587bd35d35",{"type":318,"attrs":3111},{"color":3063},{"text":3113,"type":52,"marks":3114},". Y verificar cientos de líneas en una plantilla de Excel. Todavía esta es la realidad de muchas empresas a la hora de gestionar sus gastos. ¡Un proceso muy anticuado y costoso! Con ",[3115],{"type":318,"attrs":3116},{"color":3063},{"text":3118,"type":52,"marks":3119},"las ",[3120,3124],{"type":346,"attrs":3121},{"href":3122,"uuid":3123,"anchor":17,"target":2797,"linktype":1477},"/blog/herramientas-financieras","b983cf92-f4ff-48ff-a785-b316ef6eac11",{"type":318,"attrs":3125},{"color":3063},{"text":3127,"type":52,"marks":3128},"nuevas herramientas",[3129,3131,3132],{"type":346,"attrs":3130},{"href":3122,"uuid":3123,"anchor":17,"target":2797,"linktype":1477},{"type":322},{"type":318,"attrs":3133},{"color":3063},{"text":3135,"type":52,"marks":3136}," y aplicaciones de gestión de gastos",[3137,3138],{"type":322},{"type":318,"attrs":3139},{"color":3063},{"text":3141,"type":52,"marks":3142},", es el momento de adoptar mejores prácticas.",[3143],{"type":318,"attrs":3144},{"color":3063},{"type":324,"attrs":3146},{"id":3147,"body":3148},"238cafd6-f467-4a6e-9d6e-d9c458de8c4f",[3149],{"_uid":3150,"html":3151,"component":3152},"i-1dc3bdf2-d362-46a6-8246-b179553170b3","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-e2fb35c3-e1fb-444d-b226-f509de8cadb6\">\u003Cspan class=\"hs-cta-node hs-cta-e2fb35c3-e1fb-444d-b226-f509de8cadb6\" id=\"hs-cta-e2fb35c3-e1fb-444d-b226-f509de8cadb6\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/e2fb35c3-e1fb-444d-b226-f509de8cadb6\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-e2fb35c3-e1fb-444d-b226-f509de8cadb6\" style=\"border-width:0px;\" height=\"400\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/e2fb35c3-e1fb-444d-b226-f509de8cadb6.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'e2fb35c3-e1fb-444d-b226-f509de8cadb6', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":46,"attrs":3154,"content":3155},{"level":590},[3156],{"text":3157,"type":52,"marks":3158},"Identificar y abandonar las malas prácticas de gestión",[3159],{"type":318,"attrs":3160},{"color":3161},"rgb(0, 176, 240)",{"type":61,"content":3163},[3164,3169,3175,3185,3192],{"text":3165,"type":52,"marks":3166},"La dirección marca la política de gestión de los gastos de la empresa. El departamento de contabilidad debe seguirlo, así como el resto de empleados. Pero en la práctica, muchos trabajadores encuentran problemas que la dirección no es capaz de identificar. Por ejemplo, en los viajes de empresa, tienen que tener cuidado ",[3167],{"type":318,"attrs":3168},{"color":3063},{"text":3170,"type":52,"marks":3171},"de no perder las facturas y ",[3172,3173],{"type":322},{"type":318,"attrs":3174},{"color":3063},{"text":3176,"type":52,"marks":3177},"recibos",[3178,3182,3183],{"type":346,"attrs":3179},{"href":3180,"uuid":3181,"anchor":17,"target":2797,"linktype":1477},"/blog/gestion-de-recibos","03e9a2cb-b18c-4d3c-a308-b65c4e3026e5",{"type":322},{"type":318,"attrs":3184},{"color":3063},{"text":3186,"type":52,"marks":3187}," de los gastos",[3188,3190],{"type":346,"attrs":3189},{"href":3180,"uuid":3181,"anchor":17,"target":2797,"linktype":1477},{"type":318,"attrs":3191},{"color":3063},{"text":994,"type":52,"marks":3193},[3194],{"type":318,"attrs":3195},{"color":3063},{"type":61,"content":3197},[3198,3203,3213,3219],{"text":3199,"type":52,"marks":3200},"Otra mala práctica generalizada es la centralización de todos los gastos. ¡La antigua caja a disposición de los empleados! Esto dificulta enormemente la autonomía y flexibilidad de los empleados. Se encuentran encerrados en procesos rígidos e ineficaces. Pasan mucho tiempo con los informes de gastos. El resultado: los ",[3201],{"type":318,"attrs":3202},{"color":3063},{"text":3204,"type":52,"marks":3205},"costes de empresa",[3206,3210,3211],{"type":346,"attrs":3207},{"href":3208,"uuid":3209,"anchor":17,"target":2797,"linktype":1477},"/es/blog/costes-directos-indirectos","c70aeb60-1d8d-4d9b-9e0c-00889278cd14",{"type":322},{"type":318,"attrs":3212},{"color":3063},{"text":3214,"type":52,"marks":3215}," por trabajador crecen",[3216,3217],{"type":322},{"type":318,"attrs":3218},{"color":3063},{"text":3220,"type":52,"marks":3221}," exponencialmente. ",[3222],{"type":318,"attrs":3223},{"color":3063},{"type":61,"content":3225},[3226],{"text":3227,"type":52,"marks":3228},"Establecer buenos hábitos y procesos bien definidos no hace que su empresa sea rígida. Al contrario, dan a los empleados más agilidad, seguridad y confianza.",[3229],{"type":318,"attrs":3230},{"color":3063},{"type":46,"attrs":3232,"content":3233},{"level":590},[3234],{"text":3235,"type":52,"marks":3236},"La tarjeta bancaria: vital y peligrosa",[3237],{"type":318,"attrs":3238},{"color":3161},{"type":61,"content":3240},[3241,3246,3252,3257,3267,3273],{"text":3242,"type":52,"marks":3243},"La ",[3244],{"type":318,"attrs":3245},{"color":3063},{"text":3247,"type":52,"marks":3248},"tarjeta bancaria es el medio de pago preferido",[3249,3250],{"type":322},{"type":318,"attrs":3251},{"color":3063},{"text":3253,"type":52,"marks":3254}," por las empresas para gestionar sus gastos. Al año se realizan 700 millones de transacciones B2B en Europa. Pero también es una fuente de peligro y mala gestión. Por ejemplo, en muchos casos la ",[3255],{"type":318,"attrs":3256},{"color":3063},{"text":3258,"type":52,"marks":3259},"tarjeta de empresa",[3260,3264,3265],{"type":346,"attrs":3261},{"href":3262,"uuid":3263,"anchor":17,"target":2797,"linktype":1477},"/es/product/smart-company-cards","27dba625-a774-450b-9fb8-47efecbc5fc1",{"type":322},{"type":318,"attrs":3266},{"color":3063},{"text":3268,"type":52,"marks":3269}," pasa de mano en mano",[3270,3271],{"type":322},{"type":318,"attrs":3272},{"color":3063},{"text":3274,"type":52,"marks":3275},". El riesgo de pérdida, robo o piratería es alto. Además, identificar al responsable de cada gasto es extremadamente complejo. Y hay otras malas prácticas que evitar:",[3276],{"type":318,"attrs":3277},{"color":3063},{"type":641,"content":3279},[3280,3289,3311,3320,3329,3338,3347],{"type":644,"content":3281},[3282],{"type":61,"content":3283},[3284],{"text":3285,"type":52,"marks":3286},"Compartir los datos de la tarjeta corporativa (por correo electrónico o, peor aún, en papel).",[3287],{"type":318,"attrs":3288},{"color":3063},{"type":644,"content":3290},[3291],{"type":61,"content":3292},[3293,3298,3307],{"text":3294,"type":52,"marks":3295}," No establecer un proceso para recuperar los ",[3296],{"type":318,"attrs":3297},{"color":3063},{"text":3299,"type":52,"marks":3300},"recibos de gastos",[3301,3305],{"type":346,"attrs":3302},{"href":3303,"uuid":3304,"anchor":17,"target":2797,"linktype":1477},"/de/blog/recibo-digital","6b825ba8-b2c0-4de1-b010-ba3558e93739",{"type":318,"attrs":3306},{"color":3063},{"text":994,"type":52,"marks":3308},[3309],{"type":318,"attrs":3310},{"color":3063},{"type":644,"content":3312},[3313],{"type":61,"content":3314},[3315],{"text":3316,"type":52,"marks":3317},"No establecer controles sobre los límites y condiciones de su uso.",[3318],{"type":318,"attrs":3319},{"color":3063},{"type":644,"content":3321},[3322],{"type":61,"content":3323},[3324],{"text":3325,"type":52,"marks":3326},"Tener una sola tarjeta bancaria para todas las compras del personal.",[3327],{"type":318,"attrs":3328},{"color":3063},{"type":644,"content":3330},[3331],{"type":61,"content":3332},[3333],{"text":3334,"type":52,"marks":3335},"Utilizar la tarjeta corporativa para contratar suscripciones de software.",[3336],{"type":318,"attrs":3337},{"color":3063},{"type":644,"content":3339},[3340],{"type":61,"content":3341},[3342],{"text":3343,"type":52,"marks":3344},"Confiar la tarjeta a un empleado que está de viaje de negocios. ",[3345],{"type":318,"attrs":3346},{"color":3063},{"type":644,"content":3348},[3349],{"type":61,"content":3350},[3351],{"text":3352,"type":52,"marks":3353},"Utilizar la tarjeta y prestarla a un compañero sin avisar a nadie.",[3354],{"type":318,"attrs":3355},{"color":3063},{"type":61,"content":3357},[3358,3363,3369,3374,3380],{"text":3359,"type":52,"marks":3360},"Hoy hay soluciones fáciles para acabar con estos problemas. Spendesk ofrece ",[3361],{"type":318,"attrs":3362},{"color":3063},{"text":3364,"type":52,"marks":3365},"tarjetas corporativas físicas y virtuales",[3366,3367],{"type":322},{"type":318,"attrs":3368},{"color":3063},{"text":3370,"type":52,"marks":3371}," conectadas a una plataforma de gestión del gasto inteligente. Cada trabajador puede tener su propia tarjeta temporal. Por su parte, los jefes o los contables pueden acceder a los ",[3372],{"type":318,"attrs":3373},{"color":3063},{"text":3375,"type":52,"marks":3376},"gastos incluso en tiempo real",[3377,3378],{"type":322},{"type":318,"attrs":3379},{"color":3063},{"text":994,"type":52,"marks":3381},[3382],{"type":318,"attrs":3383},{"color":3063},{"type":46,"attrs":3385,"content":3386},{"level":444},[3387],{"text":3388,"type":52,"marks":3389},"Una política de gastos eficaz para controlar los costes ",[3390],{"type":318,"attrs":3391},{"color":3095},{"type":61,"content":3393},[3394,3399,3405,3410,3419],{"text":3395,"type":52,"marks":3396},"Establecer un mejor control de los gastos de empresa pasa inevitablemente por ",[3397],{"type":318,"attrs":3398},{"color":3063},{"text":3400,"type":52,"marks":3401},"establecer una política de gastos",[3402,3403],{"type":322},{"type":318,"attrs":3404},{"color":3063},{"text":3406,"type":52,"marks":3407},". Al menos por tres razones principales. La primera, porque ",[3408],{"type":318,"attrs":3409},{"color":3063},{"text":3411,"type":52,"marks":3412},"controlar los costes",[3413,3417],{"type":346,"attrs":3414},{"href":3415,"uuid":3416,"anchor":17,"target":2797,"linktype":1477},"/blog/reducir-costes-empresa","d8159b75-d2db-4fbd-b34b-7666d5bee488",{"type":318,"attrs":3418},{"color":3063},{"text":3420,"type":52,"marks":3421}," de funcionamiento permite tener una mayor visibilidad del presupuesto. Después, para poder llevar una contabilidad de costes. Y finalmente, para disponer de todas las facturas y evitar los desfases contables.",[3422],{"type":318,"attrs":3423},{"color":3063},{"type":46,"attrs":3425,"content":3426},{"level":590},[3427],{"text":3428,"type":52,"marks":3429},"El primer paso: racionalizar la gestión ",[3430],{"type":318,"attrs":3431},{"color":3161},{"type":61,"content":3433},[3434,3439,3445],{"text":3435,"type":52,"marks":3436},"Costes de explotación, costes de los trabajadores, viajes de empresa, comidas… Los gastos de empresa son muchos. Y de todo tipo: directos, indirectos, fijos y variables. Sin embargo, racionalizando su funcionamiento, toda empresa puede ",[3437],{"type":318,"attrs":3438},{"color":3063},{"text":3440,"type":52,"marks":3441},"evitar despilfarros y aprovechar mejor sus recursos",[3442,3443],{"type":322},{"type":318,"attrs":3444},{"color":3063},{"text":3446,"type":52,"marks":3447},". ",[3448],{"type":318,"attrs":3449},{"color":3063},{"type":61,"content":3451},[3452,3457,3463],{"text":3453,"type":52,"marks":3454},"Hay que aplicar ",[3455],{"type":318,"attrs":3456},{"color":3063},{"text":3458,"type":52,"marks":3459},"medidas correctas para optimizar los procesos de gestión",[3460,3461],{"type":322},{"type":318,"attrs":3462},{"color":3063},{"text":3464,"type":52,"marks":3465}," de gastos.",[3466],{"type":318,"attrs":3467},{"color":3063},{"type":641,"content":3469},[3470,3502,3522,3542,3576,3596],{"type":644,"content":3471},[3472],{"type":61,"content":3473},[3474,3483,3491,3497],{"text":3475,"type":52,"marks":3476},"Establecer un ",[3477,3481],{"type":346,"attrs":3478},{"href":3479,"uuid":3480,"anchor":17,"target":2797,"linktype":1477},"/blog/procedimiento-presupuestario","4f95e2ce-5f44-44a5-a1a6-a0c984202850",{"type":318,"attrs":3482},{"color":3063},{"text":3484,"type":52,"marks":3485},"presupuesto",[3486,3488,3489],{"type":346,"attrs":3487},{"href":3479,"uuid":3480,"anchor":17,"target":2797,"linktype":1477},{"type":322},{"type":318,"attrs":3490},{"color":3063},{"text":3492,"type":52,"marks":3493}," por tipo de gasto",[3494,3495],{"type":322},{"type":318,"attrs":3496},{"color":3063},{"text":3498,"type":52,"marks":3499},". Fijar un presupuesto máximo para cada empleado en función de sus gastos, facilitará su control por la tesorería. ",[3500],{"type":318,"attrs":3501},{"color":3063},{"type":644,"content":3503},[3504],{"type":61,"content":3505},[3506,3511,3517],{"text":3507,"type":52,"marks":3508},"Desarrollar ",[3509],{"type":318,"attrs":3510},{"color":3063},{"text":3512,"type":52,"marks":3513},"procesos reales de gestión",[3514,3515],{"type":322},{"type":318,"attrs":3516},{"color":3063},{"text":3518,"type":52,"marks":3519},". Tratar los gastos de la empresa requiere disciplina y rigor. Pero los procedimientos deben ser aplicables. Además, una vez definidos, deben ser respetados por todos. ",[3520],{"type":318,"attrs":3521},{"color":3063},{"type":644,"content":3523},[3524],{"type":61,"content":3525},[3526,3531,3537],{"text":3527,"type":52,"marks":3528},"Imponer una ",[3529],{"type":318,"attrs":3530},{"color":3063},{"text":3532,"type":52,"marks":3533},"fecha límite para el reembolso",[3534,3535],{"type":322},{"type":318,"attrs":3536},{"color":3063},{"text":3538,"type":52,"marks":3539},". Se acabó estar enviando o recibiendo hojas de gastos continuamente. Establecer un período concreto al mes facilitará su gestión. ",[3540],{"type":318,"attrs":3541},{"color":3063},{"type":644,"content":3543},[3544],{"type":61,"content":3545},[3546,3551,3557,3562,3571],{"text":3547,"type":52,"marks":3548},"Proporcionar un ",[3549],{"type":318,"attrs":3550},{"color":3063},{"text":3552,"type":52,"marks":3553},"método de pago adaptado",[3554,3555],{"type":322},{"type":318,"attrs":3556},{"color":3063},{"text":3558,"type":52,"marks":3559}," a cada empleado. Por ejemplo, una ",[3560],{"type":318,"attrs":3561},{"color":3063},{"text":3563,"type":52,"marks":3564},"tarjeta de pago virtual",[3565,3569],{"type":346,"attrs":3566},{"href":3567,"uuid":3568,"anchor":17,"target":2797,"linktype":1477},"/blog/tarjetas-virtuales","647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"type":318,"attrs":3570},{"color":3063},{"text":3572,"type":52,"marks":3573}," de un solo uso para las compras online, como un hotel o el billete de avión. Después, una tarjeta bancaria corporativa física para todos los gastos sobre el terreno.",[3574],{"type":318,"attrs":3575},{"color":3063},{"type":644,"content":3577},[3578],{"type":61,"content":3579},[3580,3585,3591],{"text":3581,"type":52,"marks":3582},"Cazar a los ",[3583],{"type":318,"attrs":3584},{"color":3063},{"text":3586,"type":52,"marks":3587},"empleados defraudadores",[3588,3589],{"type":322},{"type":318,"attrs":3590},{"color":3063},{"text":3592,"type":52,"marks":3593},". Eliminando el informe de gastos con soluciones SaaS, estos gastos se verán reducidos. ",[3594],{"type":318,"attrs":3595},{"color":3063},{"type":644,"content":3597},[3598],{"type":61,"content":3599},[3600,3606],{"text":3601,"type":52,"marks":3602},"Digitalizar la gestión de gastos",[3603,3604],{"type":322},{"type":318,"attrs":3605},{"color":3063},{"text":3607,"type":52,"marks":3608},". Todas las medidas se resumen en esta. Hoy ya es posible para todos los procesos: recuperación de facturas en tiempo real, solicitudes de compra, tarjetas virtuales…",[3609],{"type":318,"attrs":3610},{"color":3063},{"type":46,"attrs":3612,"content":3613},{"level":590},[3614],{"text":3615,"type":52,"marks":3616},"Establecer y comunicar la política de gastos",[3617],{"type":318,"attrs":3618},{"color":3161},{"type":61,"content":3620},[3621,3626,3632],{"text":3622,"type":52,"marks":3623},"Una buena política de gestión del gasto es aquella que permite el mejor uso posible de cada euro gastado. Tras racionalizarlos gastos, es momento de definirla claramente. Para ello, primero, conviene analizar todas las variables inherentes a la actividad de la empresa. ",[3624],{"type":318,"attrs":3625},{"color":3063},{"text":3627,"type":52,"marks":3628},"Calcular los gastos fijos y variables",[3629,3630],{"type":322},{"type":318,"attrs":3631},{"color":3063},{"text":3633,"type":52,"marks":3634}," previstos, así como las ganancias. Y claro, que el balance sea siempre positivo.",[3635],{"type":318,"attrs":3636},{"color":3063},{"type":61,"content":3638},[3639,3644,3650,3655,3664],{"text":3640,"type":52,"marks":3641},"Define",[3642],{"type":318,"attrs":3643},{"color":3063},{"text":3645,"type":52,"marks":3646}," el nivel de lujo y el presupuesto que deseas asignar",[3647,3648],{"type":322},{"type":318,"attrs":3649},{"color":3063},{"text":3651,"type":52,"marks":3652}," a cada partida de gasto. Por ejemplo, establece claramente qué categoría de hoteles pueden reservar tus empleados. Igual, las tarifas de viaje o ",[3653],{"type":318,"attrs":3654},{"color":3063},{"text":3656,"type":52,"marks":3657},"las dietas",[3658,3662],{"type":346,"attrs":3659},{"href":3660,"uuid":3661,"anchor":17,"target":2797,"linktype":1477},"/blog/dietas-de-viaje","044dac70-466e-4b9c-85b5-c3155576cf18",{"type":318,"attrs":3663},{"color":3063},{"text":3665,"type":52,"marks":3666}," de comida. Ten en cuenta también, eso sí, una parte variable para cubrir imprevistos.",[3667],{"type":318,"attrs":3668},{"color":3063},{"type":61,"content":3670},[3671,3676,3682],{"text":3672,"type":52,"marks":3673},"Por último, es fundamental ",[3674],{"type":318,"attrs":3675},{"color":3063},{"text":3677,"type":52,"marks":3678},"comunicar a todos los empleados la política de gastos",[3679,3680],{"type":322},{"type":318,"attrs":3681},{"color":3063},{"text":3683,"type":52,"marks":3684}," de la empresa. De ello depende su eficacia y respeto. Tiene que tener un sitio destacado en los muros de la oficina o en la intranet. Y si es necesario, se le pueden añadir sanciones para castigar a los trabajadores que no la respeten o que intenten eludirla.",[3685],{"type":318,"attrs":3686},{"color":3063},{"type":46,"attrs":3688,"content":3689},{"level":444},[3690],{"text":3691,"type":52,"marks":3692},"La automatización, una solución innovadora y adaptada",[3693],{"type":318,"attrs":3694},{"color":3095},{"type":61,"content":3696},[3697,3702,3708],{"text":3698,"type":52,"marks":3699},"Ya lo hemos ido apuntando. Muchas soluciones permiten ahora gestionar todo el proceso de compra. Y esto desde la aprobación del gasto hasta el seguimiento contable de las facturas. 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Este reglamento, conocido como Ley Crea y Crece, ",[3920],{"type":318,"attrs":3921},{"color":3063},{"text":3923,"type":52,"marks":3924},"impone la facturación electrónica a todas las empresas y autónomos",[3925,3927],{"type":318,"attrs":3926},{"color":3063},{"type":322},{"text":3929,"type":52,"marks":3930},". Sus objetivos principales: reducir la morosidad y digitalizar la economía. ",[3931],{"type":318,"attrs":3932},{"color":3063},{"type":46,"attrs":3934,"content":3935},{"level":444,"textAlign":17},[3936],{"text":3937,"type":52,"marks":3938},"Qué es y qué ventajas tiene la factura electrónica",[3939,3941],{"type":318,"attrs":3940},{"color":3095},{"type":322},{"type":61,"attrs":3943,"content":3944},{"textAlign":17},[3945,3950,3956],{"text":3946,"type":52,"marks":3947},"Independientemente del tipo de negocio que tengas, ",[3948],{"type":318,"attrs":3949},{"color":3063},{"text":3951,"type":52,"marks":3952},"la facturación es inevitable",[3953,3955],{"type":318,"attrs":3954},{"color":3063},{"type":322},{"text":3957,"type":52,"marks":3958},". Pagar, cobrar y guardar las facturas son tareas básicas. La digitalización facilita y agiliza todo el proceso. ",[3959],{"type":318,"attrs":3960},{"color":3063},{"type":46,"attrs":3962,"content":3963},{"level":590,"textAlign":17},[3964],{"text":3965,"type":52,"marks":3966},"La definición y cómo hacer una factura electrónica",[3967,3969],{"type":318,"attrs":3968},{"color":3161},{"type":322},{"type":61,"attrs":3971,"content":3972},{"textAlign":17},[3973,3977,3986,3991,3997],{"text":3242,"type":52,"marks":3974},[3975],{"type":318,"attrs":3976},{"color":3063},{"text":3978,"type":52,"marks":3979},"factura electrónica",[3980,3983,3985],{"type":346,"attrs":3981},{"href":3982,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.facturae.gob.es/factura-electronica/Paginas/factura-electronica.aspx",{"type":318,"attrs":3984},{"color":3809},{"type":360},{"text":3987,"type":52,"marks":3988}," o digital",[3989],{"type":318,"attrs":3990},{"color":3063},{"text":3992,"type":52,"marks":3993}," sustituye legal y fiscalmente a la factura en papel",[3994,3996],{"type":318,"attrs":3995},{"color":3063},{"type":322},{"text":3998,"type":52,"marks":3999},". Básicamente, se trata de un archivo de datos basado en Internet. Este archivo puede ser escaneado y procesado automáticamente por un programa informático. ",[4000],{"type":318,"attrs":4001},{"color":3063},{"type":61,"attrs":4003,"content":4004},{"textAlign":17},[4005],{"text":4006,"type":52,"marks":4007},"Una factura electrónica se considera un documento original válido si se cumplen las 3 condiciones siguientes:",[4008],{"type":318,"attrs":4009},{"color":3063},{"type":641,"content":4011},[4012,4028,4044],{"type":644,"content":4013},[4014],{"type":61,"attrs":4015,"content":4016},{"textAlign":17},[4017,4023],{"text":4018,"type":52,"marks":4019},"Formato de la factura",[4020,4022],{"type":318,"attrs":4021},{"color":3063},{"type":322},{"text":4024,"type":52,"marks":4025},": se requiere un formato digital estructurado (EDIFACT, XML, PDF, X12...).",[4026],{"type":318,"attrs":4027},{"color":3063},{"type":644,"content":4029},[4030],{"type":61,"attrs":4031,"content":4032},{"textAlign":17},[4033,4039],{"text":4034,"type":52,"marks":4035},"Transmisión electrónica",[4036,4038],{"type":318,"attrs":4037},{"color":3063},{"type":322},{"text":4040,"type":52,"marks":4041},": se requiere una transmisión telemática. Debe partir de un ordenador y ser recogida por otro ordenador.",[4042],{"type":318,"attrs":4043},{"color":3063},{"type":644,"content":4045},[4046],{"type":61,"attrs":4047,"content":4048},{"textAlign":17},[4049,4055],{"text":4050,"type":52,"marks":4051},"Legibilidad, integridad y autenticidad",[4052,4054],{"type":318,"attrs":4053},{"color":3063},{"type":322},{"text":4056,"type":52,"marks":4057},": el documento no puede ser modificado, lo que garantiza su integridad y autenticidad.",[4058],{"type":318,"attrs":4059},{"color":3063},{"type":61,"attrs":4061,"content":4062},{"textAlign":17},[4063,4068,4074],{"text":4064,"type":52,"marks":4065},"Para garantizar la implantación de la nueva Ley, la Administración dará acceso a una ",[4066],{"type":318,"attrs":4067},{"color":3063},{"text":4069,"type":52,"marks":4070},"plataforma básica desde la que crear las facturas",[4071,4073],{"type":318,"attrs":4072},{"color":3063},{"type":322},{"text":4075,"type":52,"marks":4076},". Todas las empresas, incluidas pymes y autónomos, podrán acceder a ella. Además, la tramitación podrá realizarse también a través de cualquiera de las plataformas privadas existentes.",[4077],{"type":318,"attrs":4078},{"color":3063},{"type":61,"attrs":4080,"content":4081},{"textAlign":17},[4082,4087,4093],{"text":4083,"type":52,"marks":4084},"Digitalizar las facturas no es un capricho. Sus ventajas son muchas, de ahí que España haya decidido hacerlas obligatorias. Tomemos el ejemplo de la ",[4085],{"type":318,"attrs":4086},{"color":3063},{"text":4088,"type":52,"marks":4089},"herramienta de Spendesk",[4090,4092],{"type":318,"attrs":4091},{"color":3063},{"type":322},{"text":4094,"type":52,"marks":4095}," para ver todas las ventajas:",[4096],{"type":318,"attrs":4097},{"color":3063},{"type":641,"content":4099},[4100,4116,4132,4148,4169],{"type":644,"content":4101},[4102],{"type":61,"attrs":4103,"content":4104},{"textAlign":17},[4105,4111],{"text":4106,"type":52,"marks":4107},"Procesos administrativos más eficaces",[4108,4110],{"type":318,"attrs":4109},{"color":3063},{"type":322},{"text":4112,"type":52,"marks":4113},". Los documentos se gestionan de forma directa y automática. Esta automatización reduce mucho el número de errores causados por la facturación manual.",[4114],{"type":318,"attrs":4115},{"color":3063},{"type":644,"content":4117},[4118],{"type":61,"attrs":4119,"content":4120},{"textAlign":17},[4121,4127],{"text":4122,"type":52,"marks":4123},"Menor coste y más rapidez",[4124,4126],{"type":318,"attrs":4125},{"color":3063},{"type":322},{"text":4128,"type":52,"marks":4129},". El coste de emisión, envío y recepción de facturas se reduce drásticamente. Y como son procesos automáticos, se aceleran los tiempos de respuesta y en los pagos.",[4130],{"type":318,"attrs":4131},{"color":3063},{"type":644,"content":4133},[4134],{"type":61,"attrs":4135,"content":4136},{"textAlign":17},[4137,4143],{"text":4138,"type":52,"marks":4139},"Seguridad en las comunicaciones.",[4140,4142],{"type":318,"attrs":4141},{"color":3063},{"type":322},{"text":4144,"type":52,"marks":4145}," La gestión de estos documentos a través de redes privadas o mediante protocolos dedicados garantiza una transmisión segura y confidencial.",[4146],{"type":318,"attrs":4147},{"color":3063},{"type":644,"content":4149},[4150],{"type":61,"attrs":4151,"content":4152},{"textAlign":17},[4153,4158,4164],{"text":4154,"type":52,"marks":4155},"Integridad del documento. La emisión de ",[4156],{"type":318,"attrs":4157},{"color":3063},{"text":4159,"type":52,"marks":4160},"facturas con un certificado digital o firma electrónica",[4161,4163],{"type":318,"attrs":4162},{"color":3063},{"type":322},{"text":4165,"type":52,"marks":4166}," garantizan la integridad del contenido y la autenticidad.",[4167],{"type":318,"attrs":4168},{"color":3063},{"type":644,"content":4170},[4171],{"type":61,"attrs":4172,"content":4173},{"textAlign":17},[4174,4180],{"text":4175,"type":52,"marks":4176},"Integración con los sistemas de gestión",[4177,4179],{"type":318,"attrs":4178},{"color":3063},{"type":322},{"text":4181,"type":52,"marks":4182},". La factura se registra automáticamente y sin intervención humana en el sistema de gestión interno de la empresa.",[4183],{"type":318,"attrs":4184},{"color":3063},{"type":324,"attrs":4186},{"id":4187,"body":4188},"d6fba958-bcd5-4ab7-a379-d195c0f1986b",[4189],{"_uid":4190,"html":4191,"component":3152},"i-31d14e55-21ef-4823-8c4c-b24f9789b9f5","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-108a08e6-3b66-44b9-930a-008ce5de457a\">\u003Cspan class=\"hs-cta-node hs-cta-108a08e6-3b66-44b9-930a-008ce5de457a\" id=\"hs-cta-108a08e6-3b66-44b9-930a-008ce5de457a\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/108a08e6-3b66-44b9-930a-008ce5de457a\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-108a08e6-3b66-44b9-930a-008ce5de457a\" style=\"border-width:0px;\" height=\"400\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/108a08e6-3b66-44b9-930a-008ce5de457a.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '108a08e6-3b66-44b9-930a-008ce5de457a', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":4193,"content":4194},{"level":444,"textAlign":17},[4195],{"text":4196,"type":52,"marks":4197},"¿Cuándo serán obligatorias las facturas electrónicas?",[4198,4200],{"type":318,"attrs":4199},{"color":3095},{"type":322},{"type":61,"attrs":4202,"content":4203},{"textAlign":17},[4204,4209,4215],{"text":4205,"type":52,"marks":4206},"Una vez aprobada, la Ley está ahora en la fase de su desarrollo reglamentario. La norma definitiva debe publicarse antes de mitad del año 2023. A partir de entonces, las empresas dispondrán de uno o dos años de transición según su facturación anual. Este es el ",[4207],{"type":318,"attrs":4208},{"color":3063},{"text":4210,"type":52,"marks":4211},"calendario de aplicación obligatorio",[4212,4214],{"type":318,"attrs":4213},{"color":3063},{"type":322},{"text":486,"type":52,"marks":4216},[4217],{"type":318,"attrs":4218},{"color":3063},{"type":641,"content":4220},[4221,4231],{"type":644,"content":4222},[4223],{"type":61,"attrs":4224,"content":4225},{"textAlign":17},[4226],{"text":4227,"type":52,"marks":4228},"a partir del verano de 2024, las grandes empresas con más de 8 millones de euros de facturación anual;",[4229],{"type":318,"attrs":4230},{"color":3063},{"type":644,"content":4232},[4233],{"type":61,"attrs":4234,"content":4235},{"textAlign":17},[4236],{"text":4237,"type":52,"marks":4238},"a partir del verano de 2025,  el resto de empresas y autónomos.",[4239],{"type":318,"attrs":4240},{"color":3063},{"type":61,"attrs":4242,"content":4243},{"textAlign":17},[4244,4249,4255,4260,4269],{"text":4245,"type":52,"marks":4246},"Lógicamente, las grandes estructuras puedan implementar rápidamente los cambios necesarios para cumplir. Por su parte, el Gobierno da más tiempo a las pequeñas empresas para las que supondrá un mayor esfuerzo. También ha publicado unas ",[4247],{"type":318,"attrs":4248},{"color":3063},{"text":4250,"type":52,"marks":4251},"ayudas para facilitar su digitalización",[4252,4254],{"type":318,"attrs":4253},{"color":3063},{"type":322},{"text":4256,"type":52,"marks":4257},", el llamado ",[4258],{"type":318,"attrs":4259},{"color":3063},{"text":4261,"type":52,"marks":4262},"Programa Digital Toolkit",[4263,4266,4268],{"type":346,"attrs":4264},{"href":4265,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://acelerapyme.gob.es/kit-digital",{"type":318,"attrs":4267},{"color":3809},{"type":360},{"text":994,"type":52,"marks":4270},[4271],{"type":318,"attrs":4272},{"color":3063},{"type":46,"attrs":4274,"content":4275},{"level":444,"textAlign":17},[4276],{"text":4277,"type":52,"marks":4278},"1 - Equiparse con un programa de facturación electrónica",[4279,4281],{"type":318,"attrs":4280},{"color":3095},{"type":322},{"type":61,"attrs":4283,"content":4284},{"textAlign":17},[4285,4290,4296],{"text":4286,"type":52,"marks":4287},"No sólo hay clientes, sino también proveedores. El volumen de facturas suele ser enorme. Por eso, es necesario adquirir una solución informática adaptada a tus necesidades. Te ayudarán no solo a emitir tus facturas electrónicas, sino también a ",[4288],{"type":318,"attrs":4289},{"color":3063},{"text":4291,"type":52,"marks":4292},"procesar las de proveedores y prestadores",[4293,4295],{"type":318,"attrs":4294},{"color":3063},{"type":322},{"text":4297,"type":52,"marks":4298}," de servicios. ",[4299],{"type":318,"attrs":4300},{"color":3063},{"type":61,"attrs":4302,"content":4303},{"textAlign":17},[4304,4309,4315,4325,4331],{"text":4305,"type":52,"marks":4306},"Las facturas digitales están compuestas de datos estructurados que sólo pueden leerlos programas informáticos. Un ",[4307],{"type":318,"attrs":4308},{"color":3063},{"text":4310,"type":52,"marks":4311},"software de ",[4312,4314],{"type":318,"attrs":4313},{"color":3063},{"type":322},{"text":4316,"type":52,"marks":4317},"gestión de facturas",[4318,4322,4324],{"type":346,"attrs":4319},{"href":4320,"uuid":4321,"anchor":17,"target":2797,"linktype":1477},"/blog/gestion-de-facturas","c6a55405-3d30-451e-8121-9d552267c43b",{"type":318,"attrs":4323},{"color":3063},{"type":322},{"text":4326,"type":52,"marks":4327}," electrónicas",[4328,4330],{"type":318,"attrs":4329},{"color":3063},{"type":322},{"text":4332,"type":52,"marks":4333}," es así obligatorio para la comunicación con las aplicaciones informáticas utilizadas por otras empresas o administraciones públicas. ",[4334],{"type":318,"attrs":4335},{"color":3063},{"type":46,"attrs":4337,"content":4338},{"level":444,"textAlign":17},[4339],{"text":4340,"type":52,"marks":4341},"2 - Familiarizarse con la plataforma pública de factura electrónica",[4342,4344],{"type":318,"attrs":4343},{"color":3095},{"type":322},{"type":61,"attrs":4346,"content":4347},{"textAlign":17},[4348,4353,4359,4364,4373],{"text":4349,"type":52,"marks":4350},"Desde 2015 es obligatoria la facturación digital en la contratación pública. Actualmente, la ",[4351],{"type":318,"attrs":4352},{"color":3063},{"text":4354,"type":52,"marks":4355},"tramitación de cualquier factura con una Administración Pública",[4356,4358],{"type":318,"attrs":4357},{"color":3063},{"type":322},{"text":4360,"type":52,"marks":4361}," hay que hacerla a través de ",[4362],{"type":318,"attrs":4363},{"color":3063},{"text":4365,"type":52,"marks":4366},"FACe, el Punto General de Entradas de Facturas Electrónicas",[4367,4370,4372],{"type":346,"attrs":4368},{"href":4369,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://face.gob.es/es",{"type":318,"attrs":4371},{"color":3809},{"type":360},{"text":4374,"type":52,"marks":4375},". Familiariza tu contabilidad con esta plataforma.",[4376],{"type":318,"attrs":4377},{"color":3063},{"type":61,"attrs":4379,"content":4380},{"textAlign":17},[4381,4386,4395],{"text":4382,"type":52,"marks":4383},"Ten en cuenta también que hay otras plataformas y empresas de servicios de facturación electrónica. El Gobierno ofrece un ",[4384],{"type":318,"attrs":4385},{"color":3063},{"text":4387,"type":52,"marks":4388},"directorio verificado de proveedores",[4389,4392,4394],{"type":346,"attrs":4390},{"href":4391,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://face.gob.es/es/proveedores-servicios",{"type":318,"attrs":4393},{"color":3809},{"type":360},{"text":4396,"type":52,"marks":4397}," a través de su página de FACe.",[4398],{"type":318,"attrs":4399},{"color":3063},{"type":46,"attrs":4401,"content":4402},{"level":444,"textAlign":17},[4403],{"text":4404,"type":52,"marks":4405},"3 - Proteger los datos de facturación electrónica",[4406,4408],{"type":318,"attrs":4407},{"color":3095},{"type":322},{"type":61,"attrs":4410,"content":4411},{"textAlign":17},[4412,4417,4424,4429,4435],{"text":4413,"type":52,"marks":4414},"La digitalización de los procesos convierte la seguridad en una cuestión primordial. Toda transacción, ",[4415],{"type":318,"attrs":4416},{"color":3063},{"text":4418,"type":52,"marks":4419},"hoja de gasto",[4420,4422],{"type":346,"attrs":4421},{"href":3108,"uuid":3109,"anchor":17,"target":2797,"linktype":1477},{"type":318,"attrs":4423},{"color":3063},{"text":4425,"type":52,"marks":4426},", compra, reembolso, crea unos datos que hay que proteger. Disponer de un entorno optimizado para el uso diario y seguro es la primera barrera para ",[4427],{"type":318,"attrs":4428},{"color":3063},{"text":4430,"type":52,"marks":4431},"evitar el fraude en las facturas",[4432,4434],{"type":318,"attrs":4433},{"color":3063},{"type":322},{"text":994,"type":52,"marks":4436},[4437],{"type":318,"attrs":4438},{"color":3063},{"type":61,"attrs":4440,"content":4441},{"textAlign":17},[4442,4447,4452],{"text":4443,"type":52,"marks":4444},"Sólo en 2021, se estima que la ciberdelincuencia costó a las empresas de todo el mundo más de 6 billones de euros. En ",[4445],{"type":318,"attrs":4446},{"color":3063},{"text":4448,"type":52,"marks":4449},"España no paran de crecer los ciberataques",[4450],{"type":318,"attrs":4451},{"color":3809},{"text":4453,"type":52,"marks":4454}," y otras transacciones electrónicas fraudulentas. Por tanto, formar a los equipos sobre vigilancia es cada vez más esencial para el éxito de la transformación de la actividad hacia las herramientas digitales.",[4455],{"type":318,"attrs":4456},{"color":3063},{"type":61,"attrs":4458,"content":4459},{"textAlign":17},[4460,4465,4471,4476,4485],{"text":4461,"type":52,"marks":4462},"Existen métodos y herramientas para reforzar la seguridad. Spendesk, por ejemplo, está equipado de un ",[4463],{"type":318,"attrs":4464},{"color":3063},{"text":4466,"type":52,"marks":4467},"algoritmo de detección del fraude",[4468,4470],{"type":318,"attrs":4469},{"color":3063},{"type":322},{"text":4472,"type":52,"marks":4473},". Además, el acceso a la plataforma está altamente protegido. También el Gobierno dispone de ",[4474],{"type":318,"attrs":4475},{"color":3063},{"text":4477,"type":52,"marks":4478},"una plataforma de autentificación",[4479,4482,4484],{"type":346,"attrs":4480},{"href":4481,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://sede.mjusticia.gob.es/en/informacion-ayuda/certificado-digital",{"type":318,"attrs":4483},{"color":3809},{"type":360},{"text":4486,"type":52,"marks":4487}," de la firma y certificados digitales. ",[4488],{"type":318,"attrs":4489},{"color":3063},{"type":46,"attrs":4491,"content":4492},{"level":444,"textAlign":17},[4493],{"text":4494,"type":52,"marks":4495},"4 - Realizar una auditoría de conformidad ",[4496,4498],{"type":318,"attrs":4497},{"color":3095},{"type":322},{"type":61,"attrs":4500,"content":4501},{"textAlign":17},[4502],{"text":4503,"type":52,"marks":4504},"La transición a la facturación electrónica puede tener lugar en diferentes momentos. También el grado de complejidad de la implantación depende del tamaño de la organización. Por eso, vigila que tus equipos financieros están preparados y completan toda la información necesaria.",[4505],{"type":318,"attrs":4506},{"color":3063},{"type":61,"attrs":4508,"content":4509},{"textAlign":17},[4510,4515,4521],{"text":4511,"type":52,"marks":4512},"Una auditoría de conformidad ayudará a controlar que el proceso se hace bien, incluida su conservación. En particular, es importante garantizar la presencia de la ",[4513],{"type":318,"attrs":4514},{"color":3063},{"text":4516,"type":52,"marks":4517},"información obligatoria en la facturación electrónica",[4518,4520],{"type":318,"attrs":4519},{"color":3063},{"type":322},{"text":486,"type":52,"marks":4522},[4523],{"type":318,"attrs":4524},{"color":3063},{"type":641,"content":4526},[4527,4537,4547,4557,4567,4577,4587,4597],{"type":644,"content":4528},[4529],{"type":61,"attrs":4530,"content":4531},{"textAlign":17},[4532],{"text":4533,"type":52,"marks":4534},"el número de la factura;",[4535],{"type":318,"attrs":4536},{"color":3063},{"type":644,"content":4538},[4539],{"type":61,"attrs":4540,"content":4541},{"textAlign":17},[4542],{"text":4543,"type":52,"marks":4544},"la fecha de la expedición (y si es distinta, también la fecha de la operación);",[4545],{"type":318,"attrs":4546},{"color":3063},{"type":644,"content":4548},[4549],{"type":61,"attrs":4550,"content":4551},{"textAlign":17},[4552],{"text":4553,"type":52,"marks":4554},"el nombre o denominación social tanto del emisor como del receptor de la factura;",[4555],{"type":318,"attrs":4556},{"color":3063},{"type":644,"content":4558},[4559],{"type":61,"attrs":4560,"content":4561},{"textAlign":17},[4562],{"text":4563,"type":52,"marks":4564},"el NIF o número de identificación fiscal;",[4565],{"type":318,"attrs":4566},{"color":3063},{"type":644,"content":4568},[4569],{"type":61,"attrs":4570,"content":4571},{"textAlign":17},[4572],{"text":4573,"type":52,"marks":4574},"la dirección de tu empresa y la del cliente o proveedor;",[4575],{"type":318,"attrs":4576},{"color":3063},{"type":644,"content":4578},[4579],{"type":61,"attrs":4580,"content":4581},{"textAlign":17},[4582],{"text":4583,"type":52,"marks":4584},"la naturaleza de la transacción (bienes, servicios o ambos);",[4585],{"type":318,"attrs":4586},{"color":3063},{"type":644,"content":4588},[4589],{"type":61,"attrs":4590,"content":4591},{"textAlign":17},[4592],{"text":4593,"type":52,"marks":4594},"el importe total sin IVA;",[4595],{"type":318,"attrs":4596},{"color":3063},{"type":644,"content":4598},[4599],{"type":61,"attrs":4600,"content":4601},{"textAlign":17},[4602],{"text":4603,"type":52,"marks":4604},"el tipo impositivo que se aplica, así como la cuota tributaria.",[4605],{"type":318,"attrs":4606},{"color":3063},{"type":46,"attrs":4608,"content":4609},{"level":444,"textAlign":17},[4610],{"text":4611,"type":52,"marks":4612},"5 - Implantar procesos y herramientas de reporting",[4613,4615],{"type":318,"attrs":4614},{"color":3095},{"type":322},{"type":61,"attrs":4617,"content":4618},{"textAlign":17},[4619,4624,4630],{"text":4620,"type":52,"marks":4621},"El reporting es la ",[4622],{"type":318,"attrs":4623},{"color":3063},{"text":4625,"type":52,"marks":4626},"elaboración de informes sobre la empresa",[4627,4629],{"type":318,"attrs":4628},{"color":3063},{"type":322},{"text":4631,"type":52,"marks":4632}," gracias a herramientas informáticas. Y ello a partir de cualquier dato disponible y en cualquier departamento. La facturación electrónica es una oportunidad para dotarse o seguir beneficiándose de estas herramientas de análisis avanzadas. ",[4633],{"type":318,"attrs":4634},{"color":3063},{"type":61,"attrs":4636,"content":4637},{"textAlign":17},[4638,4643,4649],{"text":4639,"type":52,"marks":4640},"La digitalización contable mejora la calidad de tus informes y al mismo tiempo combina cumplimiento y optimización. Efectivamente, todas las ",[4641],{"type":318,"attrs":4642},{"color":3063},{"text":4644,"type":52,"marks":4645},"transacciones sujetas al IVA deben declararse telemáticamente",[4646,4648],{"type":318,"attrs":4647},{"color":3063},{"type":322},{"text":4650,"type":52,"marks":4651}," a las autoridades financieras. Por lo tanto, asegúrate que tu software ERP es capaz de emitir informes compatibles con las expectativas de Hacienda.",[4652],{"type":318,"attrs":4653},{"color":3063},{"type":61,"attrs":4655,"content":4656},{"textAlign":17},[4657],{"text":4658,"type":52,"marks":4659},"Además, la declaración electrónica es una medida clave en línea con la intención de reducir el fraude del IVA. Esta es una de las razones para cambiar a la facturación digital.",[4660],{"type":318,"attrs":4661},{"color":3063},{"type":46,"attrs":4663,"content":4664},{"level":444,"textAlign":17},[4665],{"text":4666,"type":52,"marks":4667},"Spendesk te ayuda a digitalizar tu facturación",[4668,4670],{"type":318,"attrs":4669},{"color":3095},{"type":322},{"type":61,"attrs":4672,"content":4673},{"textAlign":17},[4674,4679,4685],{"text":4675,"type":52,"marks":4676},"Aprender un nuevo sistema de facturación puede parecer desalentador. Spendesk trabaja activamente para proporcionar ",[4677],{"type":318,"attrs":4678},{"color":3063},{"text":4680,"type":52,"marks":4681},"el entorno adecuado para la transición a una facturación digital",[4682,4684],{"type":318,"attrs":4683},{"color":3063},{"type":322},{"text":4686,"type":52,"marks":4687}," totalmente sin papel. No hay duda, procesar, pagar y almacenar las facturas electrónicamente evita la introducción manual de datos y los errores. Las herramientas de Spendesk permiten una extracción de datos segura y fiable.",[4688],{"type":318,"attrs":4689},{"color":3063},{"type":61,"attrs":4691,"content":4692},{"textAlign":17},[4693,4698,4707],{"text":4694,"type":52,"marks":4695},"Con la automatización de las facturas de los proveedores, las empresas pueden facilitar el trabajo de los equipos financieros. La ",[4696],{"type":318,"attrs":4697},{"color":3063},{"text":4699,"type":52,"marks":4700},"solución de gestión de facturas electrónicas",[4701,4704,4706],{"type":346,"attrs":4702},{"href":4703,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/es/product/invoice-management/",{"type":318,"attrs":4705},{"color":3809},{"type":360},{"text":4708,"type":52,"marks":4709}," de Spendesk optimiza y simplifica todos los procesos de tu contabilidad. Se posiciona así como un aliado que apoya no solo la transición digital, sino también la adaptación financiera de las empresas. ",[4710],{"type":318,"attrs":4711},{"color":3063},{"type":61,"attrs":4713,"content":4714},{"textAlign":17},[4715,4720,4726,4731,4740],{"text":4716,"type":52,"marks":4717},"La facturación electrónica es ya una realidad. Y una obligación. La gestión de las facturas es más fácil con un ",[4718],{"type":318,"attrs":4719},{"color":3063},{"text":4721,"type":52,"marks":4722},"sistema de facturación eficiente",[4723,4725],{"type":318,"attrs":4724},{"color":3063},{"type":322},{"text":4727,"type":52,"marks":4728}," y con las herramientas adecuadas para ayudar con el proceso. ¡No conviertas la facturación en una tarea pesada y ",[4729],{"type":318,"attrs":4730},{"color":3063},{"text":4732,"type":52,"marks":4733},"prueba ya Spendesk",[4734,4737,4739],{"type":346,"attrs":4735},{"href":4736,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/es/test-drive-demo/",{"type":318,"attrs":4738},{"color":3809},{"type":360},{"text":4741,"type":52,"marks":4742},"!",[4743],{"type":318,"attrs":4744},{"color":3063},{"type":324,"attrs":4746},{"id":4187,"body":4747},[4748],{"_uid":4749,"html":4191,"component":3152},"i-0eb25bf7-107e-46bb-8348-712f2a3eb795",{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":4751,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":4753,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":4754,"default_full_slug":1461,"translated_slugs":4755,"_stopResolving":127},{"_uid":1448,"icon":4752,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[4756,4757,4758],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[4761],{"_uid":4762,"type":18,"asset":4763,"shadow":14,"caption":18,"overlay":4766,"component":498},"bbfacdfe-02e2-46c7-b662-a9117b7ebca5",{"id":4764,"alt":18,"name":18,"focus":18,"title":18,"filename":4765,"copyright":18,"fieldtype":19,"is_external_url":14},8373430,"https://a.storyblok.com/f/146026/2048x1153/e8f56fff7e/factura-electronica.webp",[],[],"2023-07-25 00:00","5",[4771],{"_uid":4772,"type":18,"asset":4773,"shadow":14,"caption":18,"overlay":4774,"component":498},"15f36d65-2c10-451d-9c95-0b93eb481b29",{"id":4764,"alt":18,"name":18,"focus":18,"title":18,"filename":4765,"copyright":18,"fieldtype":19,"is_external_url":14},[],"La nueva Ley “Crea y Crece” obliga a usar la factura electrónica en España. Conoce todo sobre ella y sigue estas medidas para preparar a tus equipos contables.",[4777],{"_uid":4778,"items":4779,"heading":4816,"reverse":14,"component":1761,"sectionSettings":4834},"b38d895b-97f6-4a83-88ab-26d7c5c09698",[4780,4789,4798,4807],{"_uid":4781,"title":4782,"component":1524,"description":4783},"5475a038-3897-4662-82a4-7573ea7a8145","¿Qué es la factura electrónica y cómo funciona en España?",{"type":43,"content":4784},[4785],{"type":61,"content":4786},[4787],{"text":4788,"type":52},"Spendesk define la factura electrónica como un documento fiscal digital firmado electrónicamente que sustituye a la factura en papel y cumple la normativa española. Spendesk automatiza la captura OCR, la gestión centralizada de facturas, las reglas de aprobación y la integración con ERP para validar, aprobar y contabilizar facturas sin entrada manual, con trazabilidad auditada.",{"_uid":4790,"title":4791,"component":1524,"description":4792},"66b9ba55-bee5-4d58-b72f-28bb9f3ed12a","¿Cuáles son los requisitos legales para emitir facturas electrónicas en España?",{"type":43,"content":4793},[4794],{"type":61,"content":4795},[4796],{"text":4797,"type":52},"Spendesk cumple los requisitos legales españoles para facturación electrónica mediante firma electrónica y registro de auditoría integrado. Spendesk ofrece integración con SII y exportación a sistemas contables, almacenamiento seguro de facturas a largo plazo y sellado de tiempo para garantizar validez fiscal y trazabilidad en procesos de conciliación y revisión.",{"_uid":4799,"title":4800,"component":1524,"description":4801},"b579c38f-3768-4d09-a288-a4c87b181768","¿Cómo automatiza Spendesk la gestión de facturas electrónicas?",{"type":43,"content":4802},[4803],{"type":61,"content":4804},[4805],{"text":4806,"type":52},"Spendesk automatiza la gestión de facturas electrónicas con captura OCR, reglas de enrutamiento y aprobaciones personalizadas, coincidencia automática con órdenes de compra y conciliación contable. Spendesk sincroniza datos con ERP, notifica a responsables y permite auditar cada paso desde recepción hasta pago, reduciendo la entrada manual y acelerando los ciclos de pago.",{"_uid":4808,"title":4809,"component":1524,"description":4810},"575fcc5f-98e4-4de6-9da8-571289f2b1a0","¿Qué beneficios aporta la factura electrónica a los equipos financieros?",{"type":43,"content":4811},[4812],{"type":61,"content":4813},[4814],{"text":4815,"type":52},"Spendesk mejora la eficiencia financiera reduciendo tiempos de aprobación y errores manuales mediante paneles en tiempo real, control presupuestario y tarjetas virtuales para pagos. Spendesk centraliza gastos, ofrece reglas de política y reportes automáticos que aceleran el cierre contable, mejoran el control del gasto y proporcionan visibilidad completa para equipos financieros.",[4817],{"cta":4818,"_uid":4819,"title":4820,"eyebrow":4827,"subtitle":4830,"component":46,"textAlign":18,"sectionSettings":4833,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"8955e0dc-a016-495a-9c5e-7423f2db2586",{"type":43,"content":4821},[4822],{"type":46,"attrs":4823,"content":4824},{"level":444},[4825],{"text":4826,"type":52},"Factura Electronica — FAQ",{"type":43,"content":4828},[4829],{"type":61},{"type":43,"content":4831},[4832],{"type":61},[],[4835],{"_uid":4836,"hide":14,"theme":4837,"anchorId":18,"component":73,"spacingTop":18,"hideOnDevices":4838,"spacingBottom":18,"floatingImages":4839,"variableOverrides":4840},"1ce806b4-a5a5-4768-a5b9-f54fe9f140f9","light-theme",[],[],[],"factura-electronica","es/blog/factura-electronica",830,[],"de1b088e-c285-4771-aff2-e70e0979ab1d","2023-04-21T13:12:22.122Z",[],"blog/factura-electronica",[4850,4851,4852],{"path":4848,"name":17,"lang":123,"published":17},{"path":4848,"name":17,"lang":125,"published":17},{"path":4848,"name":17,"lang":118,"published":17},{"name":4854,"created_at":4855,"published_at":4856,"updated_at":4857,"id":4858,"uuid":3109,"content":4859,"slug":5736,"full_slug":5737,"sort_by_date":17,"position":5738,"tag_list":5739,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":5740,"first_published_at":5741,"release_id":17,"lang":118,"path":17,"alternates":5742,"default_full_slug":5743,"translated_slugs":5744,"_stopResolving":127},"La guía definitiva para convertirse en un experto en hojas de gastos","2023-04-12T11:47:40.691Z","2026-03-20T15:32:24.419Z","2026-03-20T15:32:24.449Z",290751497,{"_uid":4860,"roles":4861,"title":4854,"author":4862,"topics":4881,"content":4890,"category":5639,"language":5648,"component":1454,"heroMedia":5649,"sidebarCta":5656,"publishedAt":5657,"readingTime":4769,"redirectUrl":18,"listingImage":5658,"metaDescription":5663,"componentsAfterTheArticle":5664},"1df84c43-3e3c-4c9e-a378-cc441dc9b3f6",[],{"name":243,"created_at":244,"published_at":104,"updated_at":245,"id":246,"uuid":247,"content":4863,"slug":273,"full_slug":274,"sort_by_date":17,"position":275,"tag_list":4875,"is_startpage":14,"parent_id":277,"meta_data":17,"group_id":278,"first_published_at":279,"release_id":17,"lang":118,"path":17,"alternates":4876,"default_full_slug":281,"translated_slugs":4877,"_stopResolving":127},{"_uid":249,"name":243,"links":4864,"picture":4868,"lastName":264,"component":265,"firstName":243,"description":4869},[4865],{"tag":18,"_uid":252,"icon":4866,"link":4867,"type":18,"label":18,"style":260,"component":261,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},{"id":254,"alt":18,"name":18,"focus":18,"title":18,"filename":255,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":257,"linktype":258,"fieldtype":259,"cached_url":257},{"alt":263,"name":18,"focus":18,"title":18,"filename":263,"copyright":18,"fieldtype":19,"is_external_url":14},{"type":43,"content":4870},[4871],{"type":61,"attrs":4872,"content":4873},{"textAlign":17},[4874],{"text":272,"type":52},[],[],[4878,4879,4880],{"path":281,"name":17,"lang":123,"published":17},{"path":281,"name":17,"lang":125,"published":17},{"path":281,"name":17,"lang":118,"published":17},[4882],{"name":3034,"created_at":3035,"published_at":104,"updated_at":3036,"id":3037,"uuid":3038,"content":4883,"slug":3041,"full_slug":3042,"sort_by_date":17,"position":3043,"tag_list":4884,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":3045,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":4885,"default_full_slug":3048,"translated_slugs":4886,"_stopResolving":127},{"_uid":3040,"name":3034,"component":110},[],[],[4887,4888,4889],{"path":3048,"name":17,"lang":123,"published":17},{"path":3048,"name":17,"lang":125,"published":17},{"path":3048,"name":17,"lang":118,"published":17},{"type":43,"content":4891},[4892,4910,4927,4935,4964,4971,5009,5037,5043,5051,5072,5080,5149,5167,5175,5193,5211,5219,5226,5244,5252,5271,5299,5307,5325,5333,5351,5369,5382,5390,5408,5426,5444,5452,5470,5488,5495,5503,5510,5518,5525,5544,5552,5559,5566,5574,5608,5627,5634],{"type":61,"content":4893},[4894,4899,4905],{"text":4895,"type":52,"marks":4896},"¿Tu negocio está creciendo? Entonces seguro que la plantilla también. Al mismo tiempo, tus empleados, y tú mismo, tenéis que visitar a cada vez más clientes. Surge un nuevo problema: ¿",[4897],{"type":318,"attrs":4898},{"color":3063},{"text":4900,"type":52,"marks":4901},"cómo tratar mejor la cantidad de informes de gastos",[4902,4903],{"type":322},{"type":318,"attrs":4904},{"color":3063},{"text":4906,"type":52,"marks":4907}," generados?",[4908],{"type":318,"attrs":4909},{"color":3063},{"type":61,"content":4911},[4912,4916,4922],{"text":3242,"type":52,"marks":4913},[4914],{"type":318,"attrs":4915},{"color":3063},{"text":4917,"type":52,"marks":4918},"gestión de las hojas de gastos ",[4919,4920],{"type":322},{"type":318,"attrs":4921},{"color":3063},{"text":4923,"type":52,"marks":4924},"puede ser una pesadilla si no dispones de un proceso ágil adaptado al tamaño y el crecimiento de tu empresa. Aprende aquí todo lo necesario para convertirte en un experto en la materia.",[4925],{"type":318,"attrs":4926},{"color":3063},{"type":46,"attrs":4928,"content":4929},{"level":444},[4930],{"text":4931,"type":52,"marks":4932},"¿Qué es una hoja de gastos?",[4933],{"type":318,"attrs":4934},{"color":3095},{"type":61,"content":4936},[4937,4942,4948,4953,4959],{"text":4938,"type":52,"marks":4939},"Una hoja de gastos es un documento que permite al empleado ",[4940],{"type":318,"attrs":4941},{"color":3063},{"text":4943,"type":52,"marks":4944},"justificar un gasto realizado en el contexto profesional. ",[4945,4946],{"type":322},{"type":318,"attrs":4947},{"color":3063},{"text":4949,"type":52,"marks":4950},"Con él, obtiene el",[4951],{"type":318,"attrs":4952},{"color":3063},{"text":4954,"type":52,"marks":4955}," derecho a un reembolso",[4956,4957],{"type":322},{"type":318,"attrs":4958},{"color":3063},{"text":4960,"type":52,"marks":4961}," por parte de su empleador. También se le conoce como informe o reporte de gastos.",[4962],{"type":318,"attrs":4963},{"color":3063},{"type":61,"content":4965},[4966],{"text":4967,"type":52,"marks":4968},"Suele ser un formulario establecido por la empresa y que el empleado debe rellenar con una información esencial. Así, además de su nombre y departamento, para cada gasto hay que especificar al menos esto: ",[4969],{"type":318,"attrs":4970},{"color":3063},{"type":641,"content":4972},[4973,4982,4991,5000],{"type":644,"content":4974},[4975],{"type":61,"content":4976},[4977],{"text":4978,"type":52,"marks":4979},"la fecha;",[4980],{"type":318,"attrs":4981},{"color":3063},{"type":644,"content":4983},[4984],{"type":61,"content":4985},[4986],{"text":4987,"type":52,"marks":4988},"el lugar;",[4989],{"type":318,"attrs":4990},{"color":3063},{"type":644,"content":4992},[4993],{"type":61,"content":4994},[4995],{"text":4996,"type":52,"marks":4997},"el motivo; ",[4998],{"type":318,"attrs":4999},{"color":3063},{"type":644,"content":5001},[5002],{"type":61,"content":5003},[5004],{"text":5005,"type":52,"marks":5006},"el importe.",[5007],{"type":318,"attrs":5008},{"color":3063},{"type":61,"content":5010},[5011,5016,5022,5027,5033],{"text":5012,"type":52,"marks":5013},"¡Pero atención! Para su reembolso todas las hojas de gastos deben ir acompañadas de ",[5014],{"type":318,"attrs":5015},{"color":3063},{"text":5017,"type":52,"marks":5018},"un justificante de pago",[5019,5020],{"type":322},{"type":318,"attrs":5021},{"color":3063},{"text":5023,"type":52,"marks":5024},". Es decir, un recibo, un ticket de venta o una factura con la mención \"pagado\". Es fundamental insistir a los empleados en ",[5025],{"type":318,"attrs":5026},{"color":3063},{"text":5028,"type":52,"marks":5029},"reclamar el justificante de cada gasto",[5030,5031],{"type":322},{"type":318,"attrs":5032},{"color":3063},{"text":994,"type":52,"marks":5034},[5035],{"type":318,"attrs":5036},{"color":3063},{"type":324,"attrs":5038},{"id":5039,"body":5040},"b62debc4-37cd-4884-8541-51be8508c391",[5041],{"_uid":5042,"html":3151,"component":3152},"i-0b30524d-7b8e-4b03-8353-b5a2acaa58a3",{"type":46,"attrs":5044,"content":5045},{"level":444},[5046],{"text":5047,"type":52,"marks":5048},"¿Qué tipos de gastos pueden reembolsarse?",[5049],{"type":318,"attrs":5050},{"color":3095},{"type":61,"content":5052},[5053,5058,5067],{"text":5054,"type":52,"marks":5055},"Cualquier desembolso que el empleado realice en el marco de su trabajo puede reclamarse. Los más habituales son los gastos relacionados con los desplazamientos o ",[5056],{"type":318,"attrs":5057},{"color":3063},{"text":5059,"type":52,"marks":5060},"viajes de negocio",[5061,5065],{"type":346,"attrs":5062},{"href":5063,"uuid":5064,"anchor":17,"target":2797,"linktype":1477},"/es/blog/gastos-de-viaje","7bf347c3-538b-4700-b32c-6f96e9e96d2b",{"type":318,"attrs":5066},{"color":3063},{"text":5068,"type":52,"marks":5069},". Pero el empresario puede estar obligado a cubrir otros. Por ejemplo, los ligados al teletrabajo o la compra de material.",[5070],{"type":318,"attrs":5071},{"color":3063},{"type":46,"attrs":5073,"content":5074},{"level":590},[5075],{"text":5076,"type":52,"marks":5077},"Los gastos de viaje por un desplazamiento profesional",[5078],{"type":318,"attrs":5079},{"color":3161},{"type":61,"content":5081},[5082,5087,5096,5101,5107,5112,5119,5124,5133,5138,5144],{"text":5083,"type":52,"marks":5084},"En un ",[5085],{"type":318,"attrs":5086},{"color":3063},{"text":5088,"type":52,"marks":5089},"viaje profesional",[5090,5094],{"type":346,"attrs":5091},{"href":5092,"uuid":5093,"anchor":17,"target":2797,"linktype":1477},"/es/blog/viaje-de-empresa","b9f7e8bc-9d63-43c3-91c0-a4e1d0971bef",{"type":318,"attrs":5095},{"color":3063},{"text":5097,"type":52,"marks":5098},", los costes están cubiertos. El avión, el tren, el alquiler de coches, combustible, peajes y mantenimiento son ",[5099],{"type":318,"attrs":5100},{"color":3063},{"text":5102,"type":52,"marks":5103},"gastos de viaje",[5104,5105],{"type":322},{"type":318,"attrs":5106},{"color":3063},{"text":5108,"type":52,"marks":5109}," reembolsables. Si el empleado utiliza su propio coche, también ",[5110],{"type":318,"attrs":5111},{"color":3063},{"text":5113,"type":52,"marks":5114},"recibirá dietas",[5115,5117],{"type":346,"attrs":5116},{"href":3660,"uuid":3661,"anchor":17,"target":2797,"linktype":1477},{"type":318,"attrs":5118},{"color":3063},{"text":5120,"type":52,"marks":5121}," por ",[5122],{"type":318,"attrs":5123},{"color":3063},{"text":5125,"type":52,"marks":5126},"kilometraje",[5127,5131],{"type":346,"attrs":5128},{"href":5129,"uuid":5130,"anchor":17,"target":2797,"linktype":1477},"/blog/gastos-kilometraje","5653abdb-82cc-47a6-897a-bcb1131a1b6a",{"type":318,"attrs":5132},{"color":3063},{"text":5134,"type":52,"marks":5135},". Ahora bien, solo es obligatorio el reembolso si el desplazamiento es a ",[5136],{"type":318,"attrs":5137},{"color":3063},{"text":5139,"type":52,"marks":5140},"más de 50 kilómetros del domicilio del trabajador",[5141,5142],{"type":322},{"type":318,"attrs":5143},{"color":3063},{"text":5145,"type":52,"marks":5146},". También  importa que el trayecto de ida no pueda realizarse en menos de una hora y media en transporte público.",[5147],{"type":318,"attrs":5148},{"color":3063},{"type":61,"content":5150},[5151,5156,5162],{"text":5152,"type":52,"marks":5153},"Igual que el resto del viaje, los ",[5154],{"type":318,"attrs":5155},{"color":3063},{"text":5157,"type":52,"marks":5158},"gastos de alojamiento",[5159,5160],{"type":322},{"type":318,"attrs":5161},{"color":3063},{"text":5163,"type":52,"marks":5164}," también deben abonarse. Si el trabajador debe pasar la noche en un hotel, será reembolsado. Y esto incluso aunque se produzca de manera imprevista, por ejemplo, por perder un enlace de transporte. Simplemente tendrá que presentar los justificantes y las facturas que correspondan.",[5165],{"type":318,"attrs":5166},{"color":3063},{"type":46,"attrs":5168,"content":5169},{"level":590},[5170],{"text":5171,"type":52,"marks":5172},"Los gastos de comida en viajes o reuniones",[5173],{"type":318,"attrs":5174},{"color":3161},{"type":61,"content":5176},[5177,5182,5188],{"text":5178,"type":52,"marks":5179},"La empresa debe cubrir al 100% los ",[5180],{"type":318,"attrs":5181},{"color":3063},{"text":5183,"type":52,"marks":5184},"gastos de comida",[5185,5186],{"type":322},{"type":318,"attrs":5187},{"color":3063},{"text":5189,"type":52,"marks":5190},". Como todo desembolso, también están sujetos a un informe de gastos detallado. Y ya sea para una simple comida con un cliente o por un viaje. ",[5191],{"type":318,"attrs":5192},{"color":3063},{"type":61,"content":5194},[5195,5200,5206],{"text":5196,"type":52,"marks":5197},"Antes era habitual que la empresa ",[5198],{"type":318,"attrs":5199},{"color":3063},{"text":5201,"type":52,"marks":5202},"estimase una cantidad fija como dietas de comida",[5203,5204],{"type":322},{"type":318,"attrs":5205},{"color":3063},{"text":5207,"type":52,"marks":5208}," durante un viaje. El dinero era adelantado al empleado, que debía bastarse con esa cantidad: si se pasaba debía ponerlo de su bolsillo. Hoy esta práctica apenas se usa y el empleado puede reclamar el reembolso total en su reporte de gastos diarios.",[5209],{"type":318,"attrs":5210},{"color":3063},{"type":46,"attrs":5212,"content":5213},{"level":590},[5214],{"text":5215,"type":52,"marks":5216},"Un nuevo gasto que puede reembolsarse: el teletrabajo",[5217],{"type":318,"attrs":5218},{"color":3161},{"type":61,"content":5220},[5221],{"text":5222,"type":52,"marks":5223},"La pandemia del Covid ha institucionalizado el teletrabajo. Ahora son muchas las empresas que lo han adoptado. Incluso algunas obligan a sus empleados a teletrabajar ciertos días por semana o al mes.",[5224],{"type":318,"attrs":5225},{"color":3063},{"type":61,"content":5227},[5228,5233,5239],{"text":5229,"type":52,"marks":5230},"Claro que para el trabajador esta organización supone un gasto: en electricidad, equipamiento… En este caso, ",[5231],{"type":318,"attrs":5232},{"color":3063},{"text":5234,"type":52,"marks":5235},"la ley exige cubrir parte de los costos de teletrabajo del empleado",[5236,5237],{"type":322},{"type":318,"attrs":5238},{"color":3063},{"text":5240,"type":52,"marks":5241},". Entran aquí, por ejemplo, un porcentaje del alquiler o del precio del paquete de internet y la telefonía.",[5242],{"type":318,"attrs":5243},{"color":3063},{"type":46,"attrs":5245,"content":5246},{"level":590},[5247],{"text":5248,"type":52,"marks":5249},"Otros gastos que pueden reclamarse: ropa, material…",[5250],{"type":318,"attrs":5251},{"color":3161},{"type":61,"content":5253},[5254,5259,5266],{"text":5255,"type":52,"marks":5256},"Según la actividad de la empresa, los empleados pueden incurrir en otros gastos. Por ejemplo, en empresas de seguridad o de construcción, a veces tienen que comprar ",[5257],{"type":318,"attrs":5258},{"color":3063},{"text":5260,"type":52,"marks":5261},"las herramientas",[5262,5264],{"type":346,"attrs":5263},{"href":3122,"uuid":3123,"anchor":17,"target":2797,"linktype":1477},{"type":318,"attrs":5265},{"color":3063},{"text":5267,"type":52,"marks":5268}," y su propia ropa de trabajo, o el material de seguridad.",[5269],{"type":318,"attrs":5270},{"color":3063},{"type":61,"content":5272},[5273,5278,5284,5289,5295],{"text":5274,"type":52,"marks":5275},"En otras compañías, se pueden necesitar ",[5276],{"type":318,"attrs":5277},{"color":3063},{"text":5279,"type":52,"marks":5280},"suscripciones a herramientas saas o de marketing",[5281,5282],{"type":322},{"type":318,"attrs":5283},{"color":3063},{"text":5285,"type":52,"marks":5286},", equipos especiales…  Presentando el justificante y la factura en el informe de gastos, todas ",[5287],{"type":318,"attrs":5288},{"color":3063},{"text":5290,"type":52,"marks":5291},"estas compras deben reembolsarse",[5292,5293],{"type":322},{"type":318,"attrs":5294},{"color":3063},{"text":3446,"type":52,"marks":5296},[5297],{"type":318,"attrs":5298},{"color":3063},{"type":46,"attrs":5300,"content":5301},{"level":444},[5302],{"text":5303,"type":52,"marks":5304},"¿Qué hay que tener en cuenta al tramitar los informes de gastos?",[5305],{"type":318,"attrs":5306},{"color":3095},{"type":61,"content":5308},[5309,5314,5320],{"text":5310,"type":52,"marks":5311},"Empleador y empleado tienen unas obligaciones. Hay que guardar todas las facturas, los tickets y los comprobantes de compra. Sin ellos, la reclamación",[5312],{"type":318,"attrs":5313},{"color":3063},{"text":5315,"type":52,"marks":5316}," de los gastos no es posible",[5317,5318],{"type":322},{"type":318,"attrs":5319},{"color":3063},{"text":5321,"type":52,"marks":5322},". Y claro, el tiempo para ser reembolsado también es importante.",[5323],{"type":318,"attrs":5324},{"color":3063},{"type":46,"attrs":5326,"content":5327},{"level":590},[5328],{"text":5329,"type":52,"marks":5330},"Sin el justificante del gasto, no hay reembolso",[5331],{"type":318,"attrs":5332},{"color":3161},{"type":61,"content":5334},[5335,5340,5346],{"text":5336,"type":52,"marks":5337},"Los ",[5338],{"type":318,"attrs":5339},{"color":3063},{"text":5341,"type":52,"marks":5342},"justificantes de gastos son una fuente de frustración",[5343,5344],{"type":322},{"type":318,"attrs":5345},{"color":3063},{"text":5347,"type":52,"marks":5348}," para los empleados y las empresas. Son una carga para el trabajador, que debe recopilarlos, guardarlos y ordenarlos. Para los gestores, su tramitación es una tarea fastidiosa.",[5349],{"type":318,"attrs":5350},{"color":3063},{"type":61,"content":5352},[5353,5358,5364],{"text":5354,"type":52,"marks":5355},"Pero la ley es muy clara: toda hoja o ",[5356],{"type":318,"attrs":5357},{"color":3063},{"text":5359,"type":52,"marks":5360},"reporte de gastos injustificado no puede reembolsarse",[5361,5362],{"type":322},{"type":318,"attrs":5363},{"color":3063},{"text":5365,"type":52,"marks":5366},". De lo contrario, puede considerarse “pago en especie”. Con expedientes de gastos no justificados, el departamento de contabilidad no puede cerrar el balance.",[5367],{"type":318,"attrs":5368},{"color":3063},{"type":61,"content":5370},[5371,5377],{"text":5372,"type":52,"marks":5373},"Muchos empleados renuncian al reembolso",[5374,5375],{"type":322},{"type":318,"attrs":5376},{"color":3063},{"text":5378,"type":52,"marks":5379}," de sus gastos: han perdido los justificantes. Eso sí, a veces es posible reclamar un duplicado de la factura al establecimiento. O también se puede hacer una declaración jurada de la pérdida de un recibo.",[5380],{"type":318,"attrs":5381},{"color":3063},{"type":46,"attrs":5383,"content":5384},{"level":590},[5385],{"text":5386,"type":52,"marks":5387},"Plazos de reembolso diferentes",[5388],{"type":318,"attrs":5389},{"color":3161},{"type":61,"content":5391},[5392,5397,5403],{"text":5393,"type":52,"marks":5394},"Según la ley, el reembolso de los gastos profesionales está sujeto al ",[5395],{"type":318,"attrs":5396},{"color":3063},{"text":5398,"type":52,"marks":5399},"plazo de prescripción de cinco años",[5400,5401],{"type":322},{"type":318,"attrs":5402},{"color":3063},{"text":5404,"type":52,"marks":5405},". Por tanto, en teoría, cada empleado puede reclamar y ser reembolsado en este plazo máximo.",[5406],{"type":318,"attrs":5407},{"color":3063},{"type":61,"content":5409},[5410,5415,5421],{"text":5411,"type":52,"marks":5412},"No obstante, el empleador ",[5413],{"type":318,"attrs":5414},{"color":3063},{"text":5416,"type":52,"marks":5417},"puede imponer un plazo más corto",[5418,5419],{"type":322},{"type":318,"attrs":5420},{"color":3063},{"text":5422,"type":52,"marks":5423},". Sólo tiene una obligación: reflejarlo en el convenio colectivo o en su política de gestión de los gastos profesionales. ",[5424],{"type":318,"attrs":5425},{"color":3063},{"type":61,"content":5427},[5428,5433,5439],{"text":5429,"type":52,"marks":5430},"Una vez presentados los justificantes, el plazo medio para ",[5431],{"type":318,"attrs":5432},{"color":3063},{"text":5434,"type":52,"marks":5435},"obtener el reembolso es de un mes",[5436,5437],{"type":322},{"type":318,"attrs":5438},{"color":3063},{"text":5440,"type":52,"marks":5441},". En una empresa pequeña puede ser menor. En una grande, el paso por distintos departamentos y etapas hace que el tiempo sea mayor.",[5442],{"type":318,"attrs":5443},{"color":3063},{"type":46,"attrs":5445,"content":5446},{"level":590},[5447],{"text":5448,"type":52,"marks":5449},"La recuperación del IVA en las hojas de gastos",[5450],{"type":318,"attrs":5451},{"color":3161},{"type":61,"content":5453},[5454,5459,5465],{"text":5455,"type":52,"marks":5456},"El IVA sobre los informes de gastos es un",[5457],{"type":318,"attrs":5458},{"color":3063},{"text":5460,"type":52,"marks":5461}," \"IVA deducible\"",[5462,5463],{"type":322},{"type":318,"attrs":5464},{"color":3063},{"text":5466,"type":52,"marks":5467},". Es decir, la empresa recupera el importe asociado a la mayoría de estos gastos. Por ejemplo, puede deducirlo del importe del IVA que paga en sus compras. ",[5468],{"type":318,"attrs":5469},{"color":3063},{"type":61,"content":5471},[5472,5477,5483],{"text":5473,"type":52,"marks":5474},"Se puede recuperar en ",[5475],{"type":318,"attrs":5476},{"color":3063},{"text":5478,"type":52,"marks":5479},"todo tipo de comidas y desplazamientos",[5480,5481],{"type":322},{"type":318,"attrs":5482},{"color":3063},{"text":5484,"type":52,"marks":5485},". No obstante, las noches de hotel que pueden recuperarse son las de los clientes y proveedores, pero no las de directivos y empleados.",[5486],{"type":318,"attrs":5487},{"color":3063},{"type":61,"content":5489},[5490],{"text":5491,"type":52,"marks":5492},"Respecto a los vehículos, se recuperan los gastos de peajes y gasóleo (al 80% para un vehículo de pasajeros y al 100% para un vehículo comercial). Sin embargo, no es posible recuperar el IVA sobre otros combustibles o medios de transporte.",[5493],{"type":318,"attrs":5494},{"color":3063},{"type":46,"attrs":5496,"content":5497},{"level":444},[5498],{"text":5499,"type":52,"marks":5500},"¿Cuáles son los inconvenientes de los reportes de gastos?",[5501],{"type":318,"attrs":5502},{"color":3095},{"type":61,"content":5504},[5505],{"text":5506,"type":52,"marks":5507},"La gestión de las hojas de gastos supone un costo importante para las empresas. De un lado está el tiempo y el personal que necesita. De otro, los errores intencionados o no por parte de los empleados.",[5508],{"type":318,"attrs":5509},{"color":3063},{"type":46,"attrs":5511,"content":5512},{"level":590},[5513],{"text":5514,"type":52,"marks":5515},"El fraude en las hojas de gastos",[5516],{"type":318,"attrs":5517},{"color":3161},{"type":61,"content":5519},[5520],{"text":5521,"type":52,"marks":5522},"Compras fuera del horario laboral, kilometraje exagerado, facturas hinchadas de restaurantes... A veces los trabajadores inflan los informes o pasan gastos personales a la empresa para obtener un reembolso mayor. En España, en 2020, el 14% de las empresas se vieron afectadas. ",[5523],{"type":318,"attrs":5524},{"color":3063},{"type":61,"content":5526},[5527,5532,5539],{"text":5528,"type":52,"marks":5529},"Hoy existen métodos eficaces para luchar contra este fraude. Principalmente, ",[5530],{"type":318,"attrs":5531},{"color":3063},{"text":5533,"type":52,"marks":5534},"la digitalización en el control de gasto",[5535,5537],{"type":346,"attrs":5536},{"href":3725,"uuid":3726,"anchor":17,"target":2797,"linktype":1477},{"type":318,"attrs":5538},{"color":3063},{"text":5540,"type":52,"marks":5541},". Así, por ejemplo, la empresa puede optar por tarjetas de pago conectadas y virtuales. Para gastos fijos, las tarjetas de prepago físicas son una gran opción.",[5542],{"type":318,"attrs":5543},{"color":3063},{"type":46,"attrs":5545,"content":5546},{"level":590},[5547],{"text":5548,"type":52,"marks":5549},"Un precio importante para las compañías y el empleado",[5550],{"type":318,"attrs":5551},{"color":3161},{"type":61,"content":5553},[5554],{"text":5555,"type":52,"marks":5556},"Se estima que cada informe de gastos cuesta a la empresa una media de 27 euros. Su tiempo medio de gestión se estima en 30 días. Tramitar estos reportes impide al empleado realizar otras tareas más importantes. Y lo mismo le sucede al jefe y al contable, que deben dedicar mucho tiempo a validar los gastos y contabilizarlos.",[5557],{"type":318,"attrs":5558},{"color":3063},{"type":61,"content":5560},[5561],{"text":5562,"type":52,"marks":5563},"Es una de las tareas menos gratificantes para el empleado. La consecuencia: se producen muchos errores manuales. A menudo faltan datos obligatorios. Incluso a veces las cantidades son erróneas, no se corresponden con las facturas. Se trata de una tarea tan tediosa, que los errores son comunes por falta de atención. ",[5564],{"type":318,"attrs":5565},{"color":3063},{"type":46,"attrs":5567,"content":5568},{"level":444},[5569],{"text":5570,"type":52,"marks":5571},"¿Cómo optimizar la gestión de los informes de gastos?",[5572],{"type":318,"attrs":5573},{"color":3095},{"type":61,"content":5575},[5576,5581,5590,5595,5603],{"text":5577,"type":52,"marks":5578},"La digitalización va a marcar la diferencia. Spendesk ofrece la posibilidad ",[5579],{"type":318,"attrs":5580},{"color":3063},{"text":5582,"type":52,"marks":5583},"de desmaterializar los informes de gastos",[5584,5587,5589],{"type":346,"attrs":5585},{"href":5586,"uuid":17,"anchor":17,"target":17,"linktype":258},"https://www.spendesk.com/es/product/expense-reimbursements/",{"type":318,"attrs":5588},{"color":3809},{"type":360},{"text":5591,"type":52,"marks":5592},". 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Para detectarlos, reúne la información y revisa periódicamente los proveedores, las categorías y los contratos.",{"_uid":7462,"title":7463,"component":1524,"description":7464},"3848c13b-31f3-48a7-a6c2-56e21729f332","¿Cada cuánto debería revisar los gastos de la empresa?",{"type":43,"content":7465},[7466],{"type":61,"attrs":7467,"content":7468},{"textAlign":17},[7469],{"text":7470,"type":52},"La frecuencia depende del volumen y de la complejidad del gasto. Conviene realizar un seguimiento periódico del presupuesto y programar revisiones específicas para suscripciones, proveedores y categorías con mayor riesgo de desviación.",{"_uid":7472,"title":7473,"component":1524,"description":7474},"8fac8245-7026-4cf6-9f52-a137f0028bd2","¿Puede Spendesk ayudar a controlar los gastos de una empresa pequeña?",{"type":43,"content":7475},[7476],{"type":61,"attrs":7477,"content":7478},{"textAlign":17},[7479],{"text":7480,"type":52},"Spendesk puede ayudar a centralizar tarjetas, gastos, justificantes y aprobaciones en una única plataforma. También permite organizar la información y preparar determinados datos para los procesos financieros, según la configuración disponible. La empresa sigue siendo responsable de definir sus políticas y revisar el tratamiento contable o fiscal que corresponda.",[7482],{"cta":7483,"_uid":7484,"title":7485,"eyebrow":7491,"subtitle":7496,"component":46,"textAlign":18,"flexibleSection":7501,"sectionSettings":7502,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"6606771b-bf0b-4858-b568-51d131a81ccf",{"type":43,"content":7486},[7487],{"type":46,"attrs":7488,"content":7489},{"level":444,"textAlign":17},[7490],{"text":2878,"type":52},{"type":43,"content":7492},[7493],{"type":61,"attrs":7494,"content":7495},{"textAlign":17},[],{"type":43,"content":7497},[7498],{"type":61,"attrs":7499,"content":7500},{"textAlign":17},[],[],[],"como-reducir-gastos-empresa-pequena","es/blog/como-reducir-gastos-empresa-pequena",-3260,[],"c901d782-f217-4052-8c7c-81cd7c60104a","2026-09-07T10:54:05.185Z",[],"blog/como-reducir-gastos-empresa-pequena",[7512,7513,7514],{"path":7510,"name":17,"lang":123,"published":17},{"path":7510,"name":17,"lang":125,"published":17},{"path":7510,"name":17,"lang":118,"published":17},{"name":7516,"created_at":7517,"published_at":7518,"updated_at":7519,"id":7520,"uuid":7521,"content":7522,"slug":7634,"full_slug":7635,"sort_by_date":17,"position":7636,"tag_list":7637,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":7638,"first_published_at":7639,"release_id":17,"lang":118,"path":17,"alternates":7640,"default_full_slug":7641,"translated_slugs":7642},"Alta y validación de proveedores: proceso y controles para empresas","2026-09-07T09:57:24.260Z","2026-09-10T13:34:20.089Z","2026-09-10T13:34:20.109Z",217437979731415,"316b4a37-b88b-450b-a3fa-b3d9b2895a9a",{"_uid":7523,"title":7516,"topics":7524,"noIndex":14,"category":7525,"language":7534,"component":1454,"heroMedia":7535,"metaTitle":7536,"publishedAt":7404,"readingTime":7537,"redirectUrl":18,"listingImage":7538,"metaDescription":7546,"bottomArticleCta":7547,"componentsAfterTheArticle":7548},"dc127bec-7dc7-49b0-990c-51171b2863cb",[],{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":7526,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":7528,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":7529,"default_full_slug":1461,"translated_slugs":7530,"_stopResolving":127},{"_uid":1448,"icon":7527,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7531,7532,7533],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],"Alta y validación de proveedores: proceso y controles para e","12",[7539],{"_uid":7540,"link":7541,"asset":7542,"caption":18,"component":498},"d871b5fd-d4b4-468e-b77e-8dc3cb10b910",{"id":18,"url":18,"linktype":1477,"fieldtype":259,"cached_url":7132,"prep":127},{"id":7543,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7544,"copyright":18,"fieldtype":19,"meta_data":7545,"is_external_url":14},218552924947263,"https://a.storyblok.com/f/146026/1672x941/d91d8d9aaf/alta-y-validacion-de-proveedores.png",{"size":7414},"La gestión de proveedores empieza antes de la primera compra, en el maestro de proveedores: el registro donde se almacenan, validan y mantienen los datos de cad",[],[7549],{"_uid":7550,"items":7551,"heading":7612,"component":1761},"d79e7174-ab50-4538-a0d0-d4334a51b20d",[7552,7562,7572,7582,7592,7602],{"_uid":7553,"title":7554,"component":1524,"description":7555},"2c0ed4f2-47f7-48d2-af6a-357bf4673b2f","¿Qué debe incluir una ficha de proveedor?",{"type":43,"content":7556},[7557],{"type":61,"attrs":7558,"content":7559},{"textAlign":17},[7560],{"text":7561,"type":52},"Como mínimo, debería incluir la denominación legal, el NIF, los datos de contacto y la información necesaria para la relación comercial. Según el tipo de proveedor, también puede incorporar datos bancarios, documentación, categoría, criticidad, responsable interno y fechas de revisión.",{"_uid":7563,"title":7564,"component":1524,"description":7565},"0350c7f5-1839-4431-a142-3fc7b983e99a","¿Cuál es la diferencia entre alta y homologación de proveedores?",{"type":43,"content":7566},[7567],{"type":61,"attrs":7568,"content":7569},{"textAlign":17},[7570],{"text":7571,"type":52},"El alta crea el registro del proveedor en el sistema. La homologación o selección evalúa si cumple los requisitos definidos por la empresa antes de iniciar o ampliar la relación comercial. No todos los proveedores necesitan el mismo nivel de homologación.",{"_uid":7573,"title":7574,"component":1524,"description":7575},"c82617ba-f003-431c-953b-95d76350f75d","¿Cómo se puede validar el IBAN de un proveedor?",{"type":43,"content":7576},[7577],{"type":61,"attrs":7578,"content":7579},{"textAlign":17},[7580],{"text":7581,"type":52},"La validación del formato ayuda a detectar errores de escritura, pero no confirma la titularidad de la cuenta. Para reducir riesgos, los cambios deben contrastarse por un canal independiente y aprobarse siguiendo un procedimiento separado de la introducción de los datos.",{"_uid":7583,"title":7584,"component":1524,"description":7585},"bf709b08-8c75-42bf-91f5-1c3ea8e1cb5d","¿Quién debería aprobar el alta de un proveedor?",{"type":43,"content":7586},[7587],{"type":61,"attrs":7588,"content":7589},{"textAlign":17},[7590],{"text":7591,"type":52},"Depende del tamaño de la empresa, del tipo de proveedor y del nivel de riesgo. Como buena práctica, la persona que crea la ficha no debería ser la única que la aprueba, especialmente cuando incluye datos bancarios o documentación sensible.",{"_uid":7593,"title":7594,"component":1524,"description":7595},"3f17b759-0000-466f-807a-2dc1a5ffa7c8","¿Cada cuánto hay que revisar el maestro de proveedores?",{"type":43,"content":7596},[7597],{"type":61,"attrs":7598,"content":7599},{"textAlign":17},[7600],{"text":7601,"type":52},"La frecuencia debe adaptarse a la criticidad del proveedor y a la información que se gestiona. También conviene revisar una ficha cuando se modifica la cuenta bancaria, cambia la situación del proveedor, vence una acreditación o se produce una incidencia.",{"_uid":7603,"title":7604,"component":1524,"description":7605},"9990f708-6630-4cfd-b309-f8712d6c7851","¿Puede Spendesk ayudar a gestionar la información de proveedores?",{"type":43,"content":7606},[7607],{"type":61,"attrs":7608,"content":7609},{"textAlign":17},[7610],{"text":7611,"type":52},"Spendesk puede ayudar a centralizar y gestionar información de proveedores dentro de los módulos y planes aplicables, y a relacionarla con determinados procesos de compras. El alcance depende de la configuración de la cuenta, y la empresa debe mantener sus propios criterios de validación y aprobación.",[7613],{"cta":7614,"_uid":7615,"title":7616,"eyebrow":7622,"subtitle":7627,"component":46,"textAlign":18,"flexibleSection":7632,"sectionSettings":7633,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"2a62ff10-a0f9-4db6-9f79-557fb5b5c4cb",{"type":43,"content":7617},[7618],{"type":46,"attrs":7619,"content":7620},{"level":444,"textAlign":17},[7621],{"text":2878,"type":52},{"type":43,"content":7623},[7624],{"type":61,"attrs":7625,"content":7626},{"textAlign":17},[],{"type":43,"content":7628},[7629],{"type":61,"attrs":7630,"content":7631},{"textAlign":17},[],[],[],"alta-y-validacion-de-proveedores","es/blog/alta-y-validacion-de-proveedores",-3250,[],"15613e0b-49aa-422c-a3a4-a94c437578d5","2026-09-07T09:57:24.321Z",[],"blog/alta-y-validacion-de-proveedores",[7643,7644,7645],{"path":7641,"name":17,"lang":123,"published":17},{"path":7641,"name":17,"lang":125,"published":17},{"path":7641,"name":17,"lang":118,"published":17},{"name":7647,"created_at":7648,"published_at":7649,"updated_at":7650,"id":7651,"uuid":7652,"content":7653,"slug":7781,"full_slug":7782,"sort_by_date":17,"position":7783,"tag_list":7784,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":7785,"first_published_at":7786,"release_id":17,"lang":118,"path":17,"alternates":7787,"default_full_slug":7788,"translated_slugs":7789},"Flujo de caja: cómo construir y leer el estado de tesorería de tu empresa","2026-08-27T10:05:47.852Z","2026-09-10T12:48:23.439Z","2026-09-10T12:48:23.473Z",213547204048720,"59e8d522-0d9e-48f4-8516-3a3c5f1e6fbb",{"_uid":7654,"title":7647,"topics":7655,"noIndex":14,"category":7673,"language":7682,"component":1454,"heroMedia":7683,"metaTitle":7684,"publishedAt":7404,"readingTime":7685,"redirectUrl":18,"listingImage":7686,"metaDescription":7693,"bottomArticleCta":7694,"componentsAfterTheArticle":7695},"e53ba4dd-df21-4b02-a075-469a60d77938",[7656],{"name":7657,"created_at":7658,"published_at":104,"updated_at":7659,"id":7660,"uuid":7661,"content":7662,"slug":7663,"full_slug":7664,"sort_by_date":17,"position":3043,"tag_list":7665,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":7666,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":7667,"default_full_slug":7668,"translated_slugs":7669,"_stopResolving":127},"Presupuestos","2023-06-08T09:19:29.066Z","2026-03-12T10:47:57.219Z",320660662,"636a19ab-b2b0-4a0e-bbd5-e24ac80d6aa4",{"_uid":3040,"name":7657,"component":110},"presupuestos","es/blog/topic/presupuestos",[],"fe2bdee7-65aa-48af-9e56-ed40b8f17611",[],"blog/topic/presupuestos",[7670,7671,7672],{"path":7668,"name":17,"lang":123,"published":17},{"path":7668,"name":17,"lang":125,"published":17},{"path":7668,"name":17,"lang":118,"published":17},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":7674,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":7676,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":7677,"default_full_slug":1461,"translated_slugs":7678,"_stopResolving":127},{"_uid":1448,"icon":7675,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7679,7680,7681],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],"Flujo de caja: cómo construir y leer el estado de tesorería ","13",[7687],{"_uid":7688,"asset":7689,"caption":18,"component":498},"f303499c-ab17-4964-a49e-9d2994c7f5d5",{"id":7690,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7691,"copyright":18,"fieldtype":19,"meta_data":7692,"is_external_url":14},218541575241457,"https://a.storyblok.com/f/146026/1672x941/bd6cce0a37/flujo-de-caja-es.png",{"size":7414},"Aprende qué es el flujo de caja, cómo construir un presupuesto de tesorería en Excel y cómo leerlo para anticipar tensiones de liquidez.",[],[7696],{"_uid":7697,"items":7698,"heading":7759,"component":1761},"a7dda334-4112-420f-a19d-5adb1a97aa87",[7699,7709,7719,7729,7739,7749],{"_uid":7700,"title":7701,"component":1524,"description":7702},"b973dc75-bb68-4f42-acc4-d08565ea73a8","¿Puede una empresa con beneficios tener un flujo de caja negativo?",{"type":43,"content":7703},[7704],{"type":61,"attrs":7705,"content":7706},{"textAlign":17},[7707],{"text":7708,"type":52},"Sí. Una empresa puede reconocer ingresos antes de cobrarlos y, al mismo tiempo, tener que pagar nóminas, proveedores, impuestos u otras obligaciones. Por eso el beneficio y la liquidez deben analizarse por separado.",{"_uid":7710,"title":7711,"component":1524,"description":7712},"612d5057-41b1-4bfb-9bd0-a69f82564b78","¿Cada cuánto conviene actualizar el presupuesto de tesorería?",{"type":43,"content":7713},[7714],{"type":61,"attrs":7715,"content":7716},{"textAlign":17},[7717],{"text":7718,"type":52},"Como mínimo, una vez al mes. Si la empresa tiene mucha actividad o atraviesa una etapa de tensión de liquidez, puede ser útil actualizarlo con mayor frecuencia.",{"_uid":7720,"title":7721,"component":1524,"description":7722},"9c422bb1-6acc-4fe8-848f-e265e7affaa5","¿Qué diferencia hay entre un presupuesto de tesorería y un seguimiento de caja?",{"type":43,"content":7723},[7724],{"type":61,"attrs":7725,"content":7726},{"textAlign":17},[7727],{"text":7728,"type":52},"El presupuesto muestra los cobros y pagos previstos. El seguimiento incorpora los movimientos reales, compara ambos datos y explica las desviaciones.",{"_uid":7730,"title":7731,"component":1524,"description":7732},"0fea39f0-0c4f-41db-a576-9135682e51f3","¿Cómo se incluye el IVA en un presupuesto de tesorería?",{"type":43,"content":7733},[7734],{"type":61,"attrs":7735,"content":7736},{"textAlign":17},[7737],{"text":7738,"type":52},"Los cobros y pagos deben registrarse por el importe que realmente entra o sale de la cuenta. Las liquidaciones periódicas de IVA deben reflejarse como movimientos de caja independientes en la fecha prevista, evitando duplicar el IVA ya incluido en facturas cobradas o pagadas.",{"_uid":7740,"title":7741,"component":1524,"description":7742},"256ee792-6f3d-491e-bd8d-157ceb66a51f","¿Qué herramientas pueden ayudar a gestionar el flujo de caja?",{"type":43,"content":7743},[7744],{"type":61,"attrs":7745,"content":7746},{"textAlign":17},[7747],{"text":7748,"type":52},"Excel puede ser suficiente para empezar. Cuando aumenta el volumen de facturas, tarjetas, solicitudes y pagos, una solución de gestión del gasto puede ayudar a centralizar los datos y mantener actualizada la información que alimenta el presupuesto.",{"_uid":7750,"title":7751,"component":1524,"description":7752},"c291cd54-fb0f-40b3-a0bf-f369443c4354","¿Cómo ayuda Spendesk a gestionar el flujo de caja?",{"type":43,"content":7753},[7754],{"type":61,"attrs":7755,"content":7756},{"textAlign":17},[7757],{"text":7758,"type":52},"El presupuesto de tesorería es tan fiable como los datos de gasto que lo alimentan. Spendesk centraliza tarjetas, facturas y solicitudes de gasto desde que se producen, permite configurar presupuestos con esa misma estructura y muestra el impacto de cada pago sobre lo planificado antes de que se ejecute. Esto ayuda a que el cuadro de tesorería se apoye en compromisos reales en lugar de estimaciones sueltas, aunque no sustituye la previsión de tesorería ni el análisis del equipo financiero.",[7760],{"cta":7761,"_uid":7762,"title":7763,"eyebrow":7769,"subtitle":7774,"component":46,"textAlign":18,"flexibleSection":7779,"sectionSettings":7780,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"bb6e7474-1827-4974-a982-aeacca67c897",{"type":43,"content":7764},[7765],{"type":46,"attrs":7766,"content":7767},{"level":444,"textAlign":17},[7768],{"text":2878,"type":52},{"type":43,"content":7770},[7771],{"type":61,"attrs":7772,"content":7773},{"textAlign":17},[],{"type":43,"content":7775},[7776],{"type":61,"attrs":7777,"content":7778},{"textAlign":17},[],[],[],"flujo-de-caja","es/blog/flujo-de-caja",-2960,[],"8fa8c174-18a2-4c99-8fe9-19113df46475","2026-08-27T10:05:47.916Z",[],"blog/flujo-de-caja",[7790,7791,7792],{"path":7788,"name":17,"lang":123,"published":17},{"path":7788,"name":17,"lang":125,"published":17},{"path":7788,"name":17,"lang":118,"published":17},{"name":7794,"created_at":7795,"published_at":7796,"updated_at":7797,"id":7798,"uuid":7799,"content":7800,"slug":7930,"full_slug":7931,"sort_by_date":17,"position":7932,"tag_list":7933,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":7934,"first_published_at":7935,"release_id":17,"lang":118,"path":17,"alternates":7936,"default_full_slug":7937,"translated_slugs":7938},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":7801,"title":7794,"topics":7802,"noIndex":14,"category":7811,"language":7820,"component":1454,"heroMedia":7821,"metaTitle":7822,"publishedAt":7404,"readingTime":7823,"redirectUrl":18,"listingImage":7824,"metaDescription":7832,"bottomArticleCta":7833,"componentsAfterTheArticle":7834},"7c8baf82-c72c-4bd0-978c-914b4de81327",[7803],{"name":3896,"created_at":3897,"published_at":104,"updated_at":3898,"id":3899,"uuid":3900,"content":7804,"slug":3902,"full_slug":3903,"sort_by_date":17,"position":3043,"tag_list":7805,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":3905,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":7806,"default_full_slug":3907,"translated_slugs":7807,"_stopResolving":127},{"_uid":3040,"name":3896,"component":110},[],[],[7808,7809,7810],{"path":3907,"name":17,"lang":123,"published":17},{"path":3907,"name":17,"lang":125,"published":17},{"path":3907,"name":17,"lang":118,"published":17},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":7812,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":7814,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":7815,"default_full_slug":1461,"translated_slugs":7816,"_stopResolving":127},{"_uid":1448,"icon":7813,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7817,7818,7819],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],"Suministro Inmediato de Información (SII): quién está obliga","15",[7825],{"_uid":7826,"asset":7827,"caption":18,"component":498},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":7828,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7829,"copyright":18,"fieldtype":19,"meta_data":7830,"is_external_url":14},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":7831},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[7835],{"_uid":7836,"items":7837,"heading":7908,"component":1761},"def80281-c114-48d8-922b-c6452f4b32e1",[7838,7848,7858,7868,7878,7888,7898],{"_uid":7839,"title":7840,"component":1524,"description":7841},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":43,"content":7842},[7843],{"type":61,"attrs":7844,"content":7845},{"textAlign":17},[7846],{"text":7847,"type":52},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":7849,"title":7850,"component":1524,"description":7851},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":43,"content":7852},[7853],{"type":61,"attrs":7854,"content":7855},{"textAlign":17},[7856],{"text":7857,"type":52},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":7859,"title":7860,"component":1524,"description":7861},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":43,"content":7862},[7863],{"type":61,"attrs":7864,"content":7865},{"textAlign":17},[7866],{"text":7867,"type":52},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":7869,"title":7870,"component":1524,"description":7871},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":43,"content":7872},[7873],{"type":61,"attrs":7874,"content":7875},{"textAlign":17},[7876],{"text":7877,"type":52},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":7879,"title":7880,"component":1524,"description":7881},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":43,"content":7882},[7883],{"type":61,"attrs":7884,"content":7885},{"textAlign":17},[7886],{"text":7887,"type":52},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":7889,"title":7890,"component":1524,"description":7891},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":43,"content":7892},[7893],{"type":61,"attrs":7894,"content":7895},{"textAlign":17},[7896],{"text":7897,"type":52},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":7899,"title":7900,"component":1524,"description":7901},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":43,"content":7902},[7903],{"type":61,"attrs":7904,"content":7905},{"textAlign":17},[7906],{"text":7907,"type":52},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus obligaciones.",[7909],{"cta":7910,"_uid":7911,"title":7912,"eyebrow":7918,"subtitle":7923,"component":46,"textAlign":18,"flexibleSection":7928,"sectionSettings":7929,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":43,"content":7913},[7914],{"type":46,"attrs":7915,"content":7916},{"level":444,"textAlign":17},[7917],{"text":2878,"type":52},{"type":43,"content":7919},[7920],{"type":61,"attrs":7921,"content":7922},{"textAlign":17},[],{"type":43,"content":7924},[7925],{"type":61,"attrs":7926,"content":7927},{"textAlign":17},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2950,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[7939,7940,7941],{"path":7937,"name":17,"lang":123,"published":17},{"path":7937,"name":17,"lang":125,"published":17},{"path":7937,"name":17,"lang":118,"published":17},{"name":7943,"created_at":7944,"published_at":7945,"updated_at":7946,"id":7947,"uuid":7948,"content":7949,"slug":8080,"full_slug":8081,"sort_by_date":17,"position":8082,"tag_list":8083,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":8084,"first_published_at":8085,"release_id":17,"lang":118,"path":17,"alternates":8086,"default_full_slug":8087,"translated_slugs":8088},"Modelo 390: resumen anual del IVA, quién lo presenta, casillas clave y errores","2026-09-02T13:32:49.504Z","2026-09-10T13:45:14.835Z","2026-09-10T13:45:14.860Z",215721449532360,"c99f0e3f-6da1-4185-9565-094ef52b891f",{"_uid":7950,"title":7943,"topics":7951,"noIndex":14,"category":7960,"language":7969,"component":1454,"heroMedia":7970,"metaTitle":7971,"publishedAt":7972,"readingTime":7537,"redirectUrl":18,"listingImage":7973,"metaDescription":7982,"bottomArticleCta":7983,"componentsAfterTheArticle":7984},"44ff9429-7c9b-42bf-b0a5-b8ed4114b479",[7952],{"name":3896,"created_at":3897,"published_at":104,"updated_at":3898,"id":3899,"uuid":3900,"content":7953,"slug":3902,"full_slug":3903,"sort_by_date":17,"position":3043,"tag_list":7954,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":3905,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":7955,"default_full_slug":3907,"translated_slugs":7956,"_stopResolving":127},{"_uid":3040,"name":3896,"component":110},[],[],[7957,7958,7959],{"path":3907,"name":17,"lang":123,"published":17},{"path":3907,"name":17,"lang":125,"published":17},{"path":3907,"name":17,"lang":118,"published":17},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":7961,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":7963,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":7964,"default_full_slug":1461,"translated_slugs":7965,"_stopResolving":127},{"_uid":1448,"icon":7962,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7966,7967,7968],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],"Modelo 390: resumen anual del IVA, quién lo presenta, casill","2026-08-25 00:00",[7974],{"_uid":7975,"link":7976,"asset":7977,"caption":18,"component":498},"c5e8bc46-7451-43bf-a998-28fd00bf481e",{"id":18,"url":18,"linktype":1477,"fieldtype":259,"cached_url":7132,"prep":127},{"id":7978,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7979,"copyright":18,"fieldtype":19,"meta_data":7980,"is_external_url":14},218555405333603,"https://a.storyblok.com/f/146026/1671x941/bd54bf81e9/modelo-390-1.png",{"size":7981},"1671x941","Qué es el Modelo 390, quién debe presentarlo, quién queda exonerado y cómo conciliarlo con los modelos 303 y las principales casillas del resumen anual del IVA.",[],[7985],{"_uid":7986,"items":7987,"heading":8058,"component":1761},"55a4787c-f921-4881-83c4-ef5b8473e554",[7988,7998,8008,8018,8028,8038,8048],{"_uid":7989,"title":7990,"component":1524,"description":7991},"10d29113-a8f5-4b88-8326-e0d65c863aa0","¿Qué es el Modelo 390?",{"type":43,"content":7992},[7993],{"type":61,"attrs":7994,"content":7995},{"textAlign":17},[7996],{"text":7997,"type":52},"El Modelo 390 es la declaración-resumen anual del IVA. Recopila información sobre las operaciones y autoliquidaciones del ejercicio y no implica, por sí mismo, un nuevo pago o devolución.",{"_uid":7999,"title":8000,"component":1524,"description":8001},"eab524f8-8182-4ea3-ac1c-2e9c99de0de6","¿Quién debe presentar el Modelo 390?",{"type":43,"content":8002},[8003],{"type":61,"attrs":8004,"content":8005},{"textAlign":17},[8006],{"text":8007,"type":52},"Deben revisar su obligación los sujetos pasivos del IVA que presenten autoliquidaciones periódicas y no estén incluidos en un supuesto de exoneración. La obligación depende del régimen fiscal, la periodicidad y la actividad de la empresa.",{"_uid":8009,"title":8010,"component":1524,"description":8011},"22e5cc60-f446-4bb9-adcd-7bad5bcc2e7f","¿Hay que presentar el Modelo 390 si los modelos 303 fueron a cero?",{"type":43,"content":8012},[8013],{"type":61,"attrs":8014,"content":8015},{"textAlign":17},[8016],{"text":8017,"type":52},"La presentación de modelos 303 a cero no determina automáticamente la exoneración. Si la empresa no encaja en una excepción, debe comprobar si mantiene la obligación de presentar el Modelo 390.",{"_uid":8019,"title":8020,"component":1524,"description":8021},"6d793610-2298-4bbc-bd6b-25109052b464","¿Cuál es la diferencia entre el Modelo 390 y el Modelo 303?",{"type":43,"content":8022},[8023],{"type":61,"attrs":8024,"content":8025},{"textAlign":17},[8026],{"text":8027,"type":52},"El Modelo 303 es la autoliquidación periódica del IVA. El Modelo 390 es el resumen anual de la información del ejercicio. El 390 no sustituye a los modelos 303 ni funciona como una nueva autoliquidación.",{"_uid":8029,"title":8030,"component":1524,"description":8031},"b2916a89-1e60-4a58-9251-61e53cfc7e49","¿Qué se incluye en la casilla 105?",{"type":43,"content":8032},[8033],{"type":61,"attrs":8034,"content":8035},{"textAlign":17},[8036],{"text":8037,"type":52},"La casilla 105 recoge el importe de determinadas operaciones exentas sin derecho a deducción. Debe utilizarse únicamente cuando la operación cumple las condiciones del supuesto de exención correspondiente.",{"_uid":8039,"title":8040,"component":1524,"description":8041},"501e47a4-e93b-4b9a-8ccb-13a5830f9ba5","¿Cómo se corrige un error en el Modelo 390?",{"type":43,"content":8042},[8043],{"type":61,"attrs":8044,"content":8045},{"textAlign":17},[8046],{"text":8047,"type":52},"Primero identifica si el error afecta también a un modelo 303 o a los registros contables. Después, revisa las instrucciones de la AEAT para determinar si corresponde presentar una declaración sustitutiva u otra forma de rectificación.",{"_uid":8049,"title":8050,"component":1524,"description":8051},"5cc78bc1-0bcd-4d06-a8d4-e11abccc9168","¿Cómo ayuda Spendesk a preparar el Modelo 390?",{"type":43,"content":8052},[8053],{"type":61,"attrs":8054,"content":8055},{"textAlign":17},[8056],{"text":8057,"type":52},"La conciliación del Modelo 390 depende de que cada factura del ejercicio esté registrada en el periodo correcto, con el IVA bien clasificado. Spendesk permite centralizar facturas y justificantes, extraer datos mediante OCR, organizar información contable y de IVA, gestionar aprobaciones y exportar datos a herramientas contables. La empresa o su asesoría debe revisar la información y determinar qué debe declararse en cada casilla.",[8059],{"cta":8060,"_uid":8061,"title":8062,"eyebrow":8068,"subtitle":8073,"component":46,"textAlign":18,"flexibleSection":8078,"sectionSettings":8079,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"882ac242-5c90-41e2-b783-03a067b89050",{"type":43,"content":8063},[8064],{"type":46,"attrs":8065,"content":8066},{"level":444,"textAlign":17},[8067],{"text":2878,"type":52},{"type":43,"content":8069},[8070],{"type":61,"attrs":8071,"content":8072},{"textAlign":17},[],{"type":43,"content":8074},[8075],{"type":61,"attrs":8076,"content":8077},{"textAlign":17},[],[],[],"modelo-390","es/blog/modelo-390",-3130,[],"5095905f-518b-4d56-97b7-f9946b641ce4","2026-09-02T13:32:49.570Z",[],"blog/modelo-390",[8089,8090,8091],{"path":8087,"name":17,"lang":123,"published":17},{"path":8087,"name":17,"lang":125,"published":17},{"path":8087,"name":17,"lang":118,"published":17},{"name":8093,"created_at":8094,"published_at":8095,"updated_at":8096,"id":8097,"uuid":8098,"content":8099,"slug":8217,"full_slug":8218,"sort_by_date":17,"position":8219,"tag_list":8220,"is_startpage":14,"parent_id":1767,"meta_data":17,"group_id":8221,"first_published_at":8222,"release_id":17,"lang":118,"path":17,"alternates":8223,"default_full_slug":8224,"translated_slugs":8225},"Modelo 347: qué es, quién lo presenta y cómo cuadrar las operaciones con terceros","2026-08-27T10:05:45.170Z","2026-09-10T12:58:15.466Z","2026-09-10T12:58:15.489Z",213547193063145,"eb7d1f54-7437-4951-a114-768571456ba6",{"_uid":8100,"title":8093,"topics":8101,"noIndex":14,"category":8110,"language":8119,"component":1454,"heroMedia":8120,"metaTitle":8121,"publishedAt":7972,"readingTime":7685,"redirectUrl":18,"listingImage":8122,"metaDescription":8129,"bottomArticleCta":8130,"componentsAfterTheArticle":8131},"dccb051a-42df-4342-8485-b7f35e0277bc",[8102],{"name":3896,"created_at":3897,"published_at":104,"updated_at":3898,"id":3899,"uuid":3900,"content":8103,"slug":3902,"full_slug":3903,"sort_by_date":17,"position":3043,"tag_list":8104,"is_startpage":14,"parent_id":299,"meta_data":17,"group_id":3905,"first_published_at":3046,"release_id":17,"lang":118,"path":17,"alternates":8105,"default_full_slug":3907,"translated_slugs":8106,"_stopResolving":127},{"_uid":3040,"name":3896,"component":110},[],[],[8107,8108,8109],{"path":3907,"name":17,"lang":123,"published":17},{"path":3907,"name":17,"lang":125,"published":17},{"path":3907,"name":17,"lang":118,"published":17},{"name":1442,"created_at":1443,"published_at":104,"updated_at":1444,"id":1445,"uuid":1446,"content":8111,"slug":1454,"full_slug":1455,"sort_by_date":17,"position":138,"tag_list":8113,"is_startpage":14,"parent_id":1457,"meta_data":17,"group_id":1458,"first_published_at":1459,"release_id":17,"lang":118,"path":17,"alternates":8114,"default_full_slug":1461,"translated_slugs":8115,"_stopResolving":127},{"_uid":1448,"icon":8112,"name":1442,"component":1453},{"id":1450,"alt":1451,"name":18,"focus":18,"title":18,"filename":1452,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[8116,8117,8118],{"path":1461,"name":17,"lang":123,"published":17},{"path":1461,"name":17,"lang":125,"published":17},{"path":1461,"name":17,"lang":118,"published":17},[118],[],"Modelo 347: qué es, quién lo presenta y cómo cuadrar las ope",[8123],{"_uid":8124,"asset":8125,"caption":18,"component":498},"524fd86d-0162-40d0-8d0c-df1c150e52c3",{"id":8126,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":8127,"copyright":18,"fieldtype":19,"meta_data":8128,"is_external_url":14},218544053612632,"https://a.storyblok.com/f/146026/1672x941/8afacabb0f/modelo-347.png",{"size":7414},"Descubre qué es el modelo 347, quién debe presentarlo, qué operaciones se declaran y cómo cuadrar los datos con proveedores y clientes antes de febrero.",[],[8132],{"_uid":8133,"items":8134,"heading":8195,"component":1761},"e16a1b38-8a3e-4bdc-9517-c2db347bb109",[8135,8145,8155,8165,8175,8185],{"_uid":8136,"title":8137,"component":1524,"description":8138},"49aa426d-fb37-4d02-8604-8753e11c75ae","¿El modelo 347 supone algún pago a Hacienda?",{"type":43,"content":8139},[8140],{"type":61,"attrs":8141,"content":8142},{"textAlign":17},[8143],{"text":8144,"type":52},"No. El modelo 347 es una declaración informativa y no implica, por sí mismo, un ingreso ni una devolución.",{"_uid":8146,"title":8147,"component":1524,"description":8148},"d5f8692d-a5d7-4d67-b5bb-2cb8fd4835cc","¿Quién debe presentar el modelo 347?",{"type":43,"content":8149},[8150],{"type":61,"attrs":8151,"content":8152},{"textAlign":17},[8153],{"text":8154,"type":52},"Deben revisar su obligación las personas físicas y jurídicas que desarrollen actividades empresariales o profesionales y superen el umbral aplicable con una misma persona o entidad durante el año natural. También existen reglas específicas para determinadas entidades y regímenes fiscales.",{"_uid":8156,"title":8157,"component":1524,"description":8158},"68dd49af-838d-41c9-add2-85a0f7161fe3","¿Qué ocurre si mi modelo 347 no coincide con el de un proveedor o cliente?",{"type":43,"content":8159},[8160],{"type":61,"attrs":8161,"content":8162},{"textAlign":17},[8163],{"text":8164,"type":52},"La diferencia puede dar lugar a una solicitud de aclaraciones o documentación por parte de la AEAT. Conviene contrastar los importes anuales y trimestrales con la contraparte y revisar facturas, abonos, rectificaciones y periodos contables antes de presentar el modelo.",{"_uid":8166,"title":8167,"component":1524,"description":8168},"0e0fdda6-4ac5-4a52-b4f6-5718eb7dfe64","¿Las operaciones intracomunitarias se incluyen en el modelo 347?",{"type":43,"content":8169},[8170],{"type":61,"attrs":8171,"content":8172},{"textAlign":17},[8173],{"text":8174,"type":52},"Las operaciones que ya se hayan declarado correctamente en el modelo 349, cuando exista coincidencia entre las obligaciones informativas, no deben duplicarse en el modelo 347. El tratamiento puede variar según la operación y el régimen aplicable.",{"_uid":8176,"title":8177,"component":1524,"description":8178},"8e7f8716-9e11-452f-a190-0ab8e3a59985","¿Las importaciones y exportaciones se declaran en el modelo 347?",{"type":43,"content":8179},[8180],{"type":61,"attrs":8181,"content":8182},{"textAlign":17},[8183],{"text":8184,"type":52},"Las importaciones y exportaciones de mercancías se encuentran entre las operaciones excluidas en los supuestos previstos por la normativa. Otras operaciones internacionales deben analizarse según su naturaleza y la información declarada mediante otros modelos.",{"_uid":8186,"title":8187,"component":1524,"description":8188},"0a1b3209-710e-4c42-b996-e68d37c1a8ec","¿Cómo ayuda Spendesk a preparar la información del modelo 347?",{"type":43,"content":8189},[8190],{"type":61,"attrs":8191,"content":8192},{"textAlign":17},[8193],{"text":8194,"type":52},"Spendesk centraliza las facturas de proveedores desde que llegan, extrae los datos mediante OCR y las asocia automáticamente a un proveedor, una fecha, un importe y una categoría contable. Esto facilita la conciliación por contraparte que exige el modelo 347, en lugar de tener que reconstruirla a partir de registros dispersos en febrero. La empresa o su asesoría debe determinar, en cualquier caso, qué operaciones deben incluirse finalmente en el modelo 347.",[8196],{"cta":8197,"_uid":8198,"title":8199,"eyebrow":8205,"subtitle":8210,"component":46,"textAlign":18,"flexibleSection":8215,"sectionSettings":8216,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"7d4eb9dd-e2a2-4b28-ab66-4d67cdb8b1ed",{"type":43,"content":8200},[8201],{"type":46,"attrs":8202,"content":8203},{"level":444,"textAlign":17},[8204],{"text":2878,"type":52},{"type":43,"content":8206},[8207],{"type":61,"attrs":8208,"content":8209},{"textAlign":17},[],{"type":43,"content":8211},[8212],{"type":61,"attrs":8213,"content":8214},{"textAlign":17},[],[],[],"modelo-347","es/blog/modelo-347",-2940,[],"4a29a4dc-44ed-4c89-a829-8f36debe0d38","2026-08-27T10:05:45.238Z",[],"blog/modelo-347",[8226,8227,8228],{"path":8224,"name":17,"lang":123,"published":17},{"path":8224,"name":17,"lang":125,"published":17},{"path":8224,"name":17,"lang":118,"published":17},"91",1789369734122]