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",[941],{"type":231,"attrs":942},{"color":233},{"text":944,"type":52,"marks":945},"A principios de 2026",[946,949,951],{"type":246,"attrs":947},{"href":948,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://blog.qualys.com/product-tech/2026/03/19/mcp-servers-shadow-it-ai-qualys-totalai-2026",{"type":231,"attrs":950},{"color":251},{"type":253},{"text":953,"type":52,"marks":954},", 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. El ritmo de adopción en el ámbito de la gestión del gasto deja claro hacia dónde se dirige todo esto.",[955],{"type":231,"attrs":956},{"color":233},{"type":46,"attrs":958,"content":959},{"level":346,"textAlign":17},[960],{"text":961,"type":52,"marks":962},"Cómo Spendesk se conecta con tus herramientas de IA",[963,965],{"type":231,"attrs":964},{"color":233},{"type":284},{"type":61,"attrs":967,"content":968},{"textAlign":17},[969],{"text":970,"type":52,"marks":971},"Para los usuarios de Spendesk, MCP funciona así: el servidor MCP de Spendesk conecta tus datos de gasto (cuentas por pagar, liquidaciones, proveedores, pedidos de compra y más) directamente con tu asistente de IA.",[972],{"type":231,"attrs":973},{"color":233},{"type":61,"attrs":975,"content":976},{"textAlign":17},[977],{"text":978,"type":52,"marks":979},"Puedes conectarte a través de Claude Cowork (el espacio de trabajo empresarial de IA de Anthropic), ChatGPT o Dust, o cualquier otra plataforma de IA diseñada para flujos de trabajo corporativos.",[980],{"type":231,"attrs":981},{"color":233},{"type":61,"attrs":983,"content":984},{"textAlign":17},[985],{"text":986,"type":52,"marks":987},"Cada miembro del equipo accede con sus propias credenciales de Spendesk y ve únicamente los datos que le corresponden según sus permisos. El MCP de Spendesk funciona en modo de solo lectura: puede consultar, analizar y mostrar información, pero no puede crear ni aprobar pagos, modificar facturas ni cambiar ningún dato en Spendesk. El control sigue siendo tuyo.",[988],{"type":231,"attrs":989},{"color":233},{"type":46,"attrs":991,"content":992},{"level":916,"textAlign":17},[993,999],{"text":994,"type":52,"marks":995},"Casos de uso reales de agentes de IA en finanzas",[996,998],{"type":231,"attrs":997},{"color":233},{"type":284},{"type":925},{"type":46,"attrs":1001,"content":1002},{"level":346,"textAlign":17},[1003],{"text":1004,"type":52,"marks":1005},"Informes financieros automatizados con IA",[1006,1008],{"type":231,"attrs":1007},{"color":233},{"type":284},{"type":61,"attrs":1010,"content":1011},{"textAlign":17},[1012],{"text":1013,"type":52,"marks":1014},"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. Con el MCP de Spendesk conectado a tu asistente de IA, preguntar «¿Cuánto hemos gastado por departamento este mes frente al presupuesto?» devuelve una respuesta en segundos, con datos en vivo. 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.",[1015],{"type":231,"attrs":1016},{"color":233},{"type":46,"attrs":1018,"content":1019},{"level":346,"textAlign":17},[1020],{"text":1021,"type":52,"marks":1022},"Caso de uso 1: Seguimiento en tiempo real de excepciones de política",[1023,1025],{"type":231,"attrs":1024},{"color":233},{"type":284},{"type":61,"attrs":1027,"content":1028},{"textAlign":17},[1029],{"text":1030,"type":52,"marks":1031},"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.",[1032],{"type":231,"attrs":1033},{"color":233},{"type":46,"attrs":1035,"content":1036},{"level":346,"textAlign":17},[1037],{"text":1038,"type":52,"marks":1039},"Caso de uso 2: Briefing semanal de cuentas por pagar",[1040,1042],{"type":231,"attrs":1041},{"color":233},{"type":284},{"type":61,"attrs":1044,"content":1045},{"textAlign":17},[1046],{"text":1047,"type":52,"marks":1048},"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».",[1049],{"type":231,"attrs":1050},{"color":233},{"type":46,"attrs":1052,"content":1053},{"level":346,"textAlign":17},[1054],{"text":1055,"type":52,"marks":1056},"Caso de uso 3: Auditoría trimestral de proveedores y SaaS",[1057,1059],{"type":231,"attrs":1058},{"color":233},{"type":284},{"type":61,"attrs":1061,"content":1062},{"textAlign":17},[1063],{"text":1064,"type":52,"marks":1065},"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.",[1066],{"type":231,"attrs":1067},{"color":233},{"type":46,"attrs":1069,"content":1070},{"level":916,"textAlign":17},[1071],{"text":1072,"type":52,"marks":1073},"Qué significa esto para tu estrategia de gestión del gasto",[1074,1076],{"type":231,"attrs":1075},{"color":233},{"type":284},{"type":46,"attrs":1078,"content":1079},{"level":346,"textAlign":17},[1080,1081],{"type":925},{"text":1082,"type":52,"marks":1083},"La cuestión de la consolidación",[1084,1086],{"type":231,"attrs":1085},{"color":233},{"type":284},{"type":61,"attrs":1088,"content":1089},{"textAlign":17},[1090],{"text":1091,"type":52,"marks":1092},"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.",[1093],{"type":231,"attrs":1094},{"color":233},{"type":46,"attrs":1096,"content":1097},{"level":346,"textAlign":17},[1098],{"text":1099,"type":52,"marks":1100},"Tres preguntas para saber si estás preparado",[1101,1103],{"type":231,"attrs":1102},{"color":233},{"type":284},{"type":1105,"attrs":1106,"content":1107},"ordered_list",{"order":48},[1108,1124,1140],{"type":289,"content":1109},[1110],{"type":61,"attrs":1111,"content":1112},{"textAlign":17},[1113,1119],{"text":1114,"type":52,"marks":1115},"¿Están tus datos de gasto en un solo lugar?",[1116,1118],{"type":231,"attrs":1117},{"color":233},{"type":284},{"text":1120,"type":52,"marks":1121}," 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.",[1122],{"type":231,"attrs":1123},{"color":233},{"type":289,"content":1125},[1126],{"type":61,"attrs":1127,"content":1128},{"textAlign":17},[1129,1135],{"text":1130,"type":52,"marks":1131},"¿Son digitales tus flujos de aprobación?",[1132,1134],{"type":231,"attrs":1133},{"color":233},{"type":284},{"text":1136,"type":52,"marks":1137}," 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.",[1138],{"type":231,"attrs":1139},{"color":233},{"type":289,"content":1141},[1142],{"type":61,"attrs":1143,"content":1144},{"textAlign":17},[1145,1151,1156,1167],{"text":1146,"type":52,"marks":1147},"¿Se integra tu plataforma con tu software contable a través de una API?",[1148,1150],{"type":231,"attrs":1149},{"color":233},{"type":284},{"text":1152,"type":52,"marks":1153}," Las integraciones con ",[1154],{"type":231,"attrs":1155},{"color":233},{"text":1157,"type":52,"marks":1158},"Xero",[1159,1165],{"type":246,"attrs":1160},{"href":1161,"uuid":1162,"anchor":17,"target":1163,"linktype":1164},"/es/integrations/xero-expense-management","1c5be156-ce97-4ff5-bc9d-23b16b1aa328","_self","story",{"type":231,"attrs":1166},{"color":233},{"text":1168,"type":52,"marks":1169},", 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.",[1170],{"type":231,"attrs":1171},{"color":233},{"type":46,"attrs":1173,"content":1174},{"level":346,"textAlign":17},[1175],{"text":1176,"type":52,"marks":1177},"Empieza con lo que ya tienes",[1178,1180],{"type":231,"attrs":1179},{"color":233},{"type":284},{"type":61,"attrs":1182,"content":1183},{"textAlign":17},[1184,1189,1198],{"text":1185,"type":52,"marks":1186},"Si has respondido sí a las tres preguntas, estás bien posicionado. Los usuarios de ",[1187],{"type":231,"attrs":1188},{"color":233},{"text":1190,"type":52,"marks":1191},"Spendesk",[1192,1196],{"type":246,"attrs":1193},{"href":1194,"uuid":1195,"anchor":17,"target":1163,"linktype":1164},"/es/platform/","4b39d188-071f-4f1b-9670-76374dd671b8",{"type":231,"attrs":1197},{"color":233},{"text":1199,"type":52,"marks":1200}," 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.",[1201],{"type":231,"attrs":1202},{"color":233},{"type":61,"attrs":1204,"content":1205},{"textAlign":17},[1206],{"text":1207,"type":52,"marks":1208},"Si has respondido no a alguna, la consolidación es el primer paso. Construye la base de datos y la capa de IA llega sola.",[1209],{"type":231,"attrs":1210},{"color":233},{"type":61,"attrs":1212,"content":1213},{"textAlign":17},[1214,1219,1226,1236],{"text":1215,"type":52,"marks":1216},"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. ",[1217],{"type":231,"attrs":1218},{"color":233},{"text":1220,"type":52,"marks":1221},"(",[1222,1224],{"type":231,"attrs":1223},{"color":233},{"type":1225},"italic",{"text":1227,"type":52,"marks":1228},"CFO Connect, Building an AI-Native FP&A App in Claude Code",[1229,1232,1234,1235],{"type":246,"attrs":1230},{"href":1231,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://www.cfoconnect.eu/resources/event-recaps/claude-code-finance-app-fpa-build/",{"type":231,"attrs":1233},{"color":251},{"type":1225},{"type":253},{"text":1237,"type":52,"marks":1238},")",[1239,1241],{"type":231,"attrs":1240},{"color":233},{"type":1225},{"type":46,"attrs":1243,"content":1244},{"level":916,"textAlign":17},[1245,1251],{"text":1246,"type":52,"marks":1247},"Preguntas frecuentes",[1248,1250],{"type":231,"attrs":1249},{"color":233},{"type":284},{"type":925},{"type":46,"attrs":1253,"content":1254},{"level":346,"textAlign":17},[1255],{"text":1256,"type":52,"marks":1257},"¿Qué es MCP y cómo funciona para finanzas?",[1258,1260],{"type":231,"attrs":1259},{"color":233},{"type":284},{"type":61,"attrs":1262,"content":1263},{"textAlign":17},[1264],{"text":1265,"type":52,"marks":1266},"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.",[1267],{"type":231,"attrs":1268},{"color":233},{"type":61,"attrs":1270,"content":1271},{"textAlign":17},[1272],{"text":1273,"type":52,"marks":1274},"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.",[1275],{"type":231,"attrs":1276},{"color":233},{"type":46,"attrs":1278,"content":1279},{"level":346,"textAlign":17},[1280],{"text":1281,"type":52,"marks":1282},"¿Qué herramientas financieras son compatibles con la integración MCP?",[1283,1285],{"type":231,"attrs":1284},{"color":233},{"type":284},{"type":61,"attrs":1287,"content":1288},{"textAlign":17},[1289],{"text":1290,"type":52,"marks":1291},"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.",[1292],{"type":231,"attrs":1293},{"color":233},{"type":46,"attrs":1295,"content":1296},{"level":346,"textAlign":17},[1297],{"text":1298,"type":52,"marks":1299},"¿En qué se diferencia la IA agéntica de la automatización tradicional en finanzas?",[1300,1302],{"type":231,"attrs":1301},{"color":233},{"type":284},{"type":61,"attrs":1304,"content":1305},{"textAlign":17},[1306],{"text":1307,"type":52,"marks":1308},"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.",[1309],{"type":231,"attrs":1310},{"color":233},{"type":61,"attrs":1312,"content":1313},{"textAlign":17},[1314],{"text":1315,"type":52,"marks":1316},"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.",[1317],{"type":231,"attrs":1318},{"color":233},{"type":46,"attrs":1320,"content":1321},{"level":346,"textAlign":17},[1322],{"text":1323,"type":52,"marks":1324},"¿Qué herramientas de gestión del gasto son compatibles con agentes de IA y MCP?",[1325,1327],{"type":231,"attrs":1326},{"color":233},{"type":284},{"type":61,"attrs":1329,"content":1330},{"textAlign":17},[1331],{"text":1332,"type":52,"marks":1333},"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.",[1334],{"type":231,"attrs":1335},{"color":233},{"name":1337,"created_at":1338,"published_at":104,"updated_at":1339,"id":1340,"uuid":1341,"content":1342,"slug":1349,"full_slug":1350,"sort_by_date":17,"position":138,"tag_list":1351,"is_startpage":14,"parent_id":1352,"meta_data":17,"group_id":1353,"first_published_at":1354,"release_id":17,"lang":118,"path":17,"alternates":1355,"default_full_slug":1356,"translated_slugs":1357,"_stopResolving":127},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1343,"icon":1344,"name":1337,"component":1348},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1345,"alt":1346,"name":18,"focus":18,"title":18,"filename":1347,"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",[1358,1359,1360],{"path":1356,"name":17,"lang":123,"published":17},{"path":1356,"name":17,"lang":125,"published":17},{"path":1356,"name":17,"lang":118,"published":17},[118],[],[],"2026-05-04 00:00",[1366],{"_uid":1367,"type":18,"asset":1368,"caption":18,"overlay":1373,"component":343},"4ea013e4-4b4a-4aa5-9a28-a9a3acce0217",{"id":1369,"alt":1370,"name":18,"focus":18,"title":18,"source":18,"filename":1371,"copyright":18,"fieldtype":19,"meta_data":1372,"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":1370,"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,[],176386517,"bf6544d6-c52d-43f1-868b-c13db76529c7","2026-05-27T16:06:46.066Z",[],"blog/que-es-mcp-y-que-significa-para-los-equipos-de-finanzas",[1387,1388,1389],{"path":1385,"name":17,"lang":123,"published":17},{"path":1385,"name":17,"lang":125,"published":17},{"path":1385,"name":17,"lang":118,"published":17},{"name":1391,"created_at":1392,"published_at":104,"updated_at":1393,"id":1394,"uuid":1395,"content":1396,"slug":2258,"full_slug":2259,"sort_by_date":17,"position":2260,"tag_list":2261,"is_startpage":14,"parent_id":1381,"meta_data":17,"group_id":2262,"first_published_at":2263,"release_id":17,"lang":118,"path":17,"alternates":2264,"default_full_slug":2265,"translated_slugs":2266,"_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":1397,"roles":1398,"title":1399,"author":1400,"topics":1435,"content":1456,"category":2225,"language":2234,"component":1349,"heroMedia":2235,"sidebarCta":2249,"publishedAt":2250,"readingTime":2251,"redirectUrl":18,"listingImage":2252,"metaDescription":2257},"582006ae-ca45-454f-bd77-bf43323678ac",[],"Todo lo que debes saber para gestionar mejor los gastos de empresa",{"name":1190,"created_at":1401,"published_at":104,"updated_at":1402,"id":1403,"uuid":1404,"content":1405,"slug":1423,"full_slug":1424,"sort_by_date":17,"position":1425,"tag_list":1426,"is_startpage":14,"parent_id":189,"meta_data":17,"group_id":1427,"first_published_at":1428,"release_id":17,"lang":118,"path":17,"alternates":1429,"default_full_slug":1430,"translated_slugs":1431,"_stopResolving":127},"2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":1406,"name":1190,"links":1407,"picture":1413,"lastName":1415,"component":176,"firstName":1190,"description":1416},"89813b57-3ec3-4169-890b-393e41c6d7ea",[1408],{"tag":18,"_uid":1409,"icon":1410,"link":1411,"type":18,"label":18,"style":169,"component":170,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},"792703e5-f28a-4cbb-882c-a50a48656953",{"id":162,"alt":18,"name":18,"focus":18,"title":18,"filename":163,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":1412,"linktype":167,"fieldtype":168,"cached_url":1412},"https://www.linkedin.com/company/spendesk/",{"alt":1414,"name":18,"focus":18,"title":18,"filename":1414,"copyright":18,"fieldtype":19,"is_external_url":14},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team",{"type":43,"content":1417},[1418],{"type":61,"attrs":1419,"content":1420},{"textAlign":17},[1421],{"text":1422,"type":52},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","spendesk","es/blog/author/spendesk",-190,[],"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[1432,1433,1434],{"path":1430,"name":17,"lang":123,"published":17},{"path":1430,"name":17,"lang":125,"published":17},{"path":1430,"name":17,"lang":118,"published":17},[1436],{"name":1437,"created_at":1438,"published_at":104,"updated_at":1439,"id":1440,"uuid":1441,"content":1442,"slug":1444,"full_slug":1445,"sort_by_date":17,"position":1446,"tag_list":1447,"is_startpage":14,"parent_id":213,"meta_data":17,"group_id":1448,"first_published_at":1449,"release_id":17,"lang":118,"path":17,"alternates":1450,"default_full_slug":1451,"translated_slugs":1452,"_stopResolving":127},"Gastos","2023-04-12T07:13:25.147Z","2026-03-12T10:47:54.304Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"_uid":1443,"name":1437,"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",[1453,1454,1455],{"path":1451,"name":17,"lang":123,"published":17},{"path":1451,"name":17,"lang":125,"published":17},{"path":1451,"name":17,"lang":118,"published":17},{"type":43,"content":1457},[1458,1472,1490,1499,1548,1556,1565,1600,1628,1635,1643,1682,1760,1788,1796,1828,1836,1854,1872,2015,2023,2041,2073,2091,2099,2117,2149,2188,2220],{"type":61,"content":1459},[1460,1467],{"text":1461,"type":52,"marks":1462},"Gestionar y organizar de forma eficaz los gastos",[1463,1464],{"type":284},{"type":231,"attrs":1465},{"color":1466},"rgb(0, 0, 0)",{"text":1468,"type":52,"marks":1469}," es indispensable para cualquier empresa. Todavía más si tu empresa está creciendo. La aparición de nuevas necesidades conlleva inevitablemente la aparición de más costes. ",[1470],{"type":231,"attrs":1471},{"color":1466},{"type":61,"content":1473},[1474,1479,1485],{"text":1475,"type":52,"marks":1476},"¿Está tu empresa preparada para ",[1477],{"type":231,"attrs":1478},{"color":1466},{"text":1480,"type":52,"marks":1481},"una gestión de gastos cada vez mayor",[1482,1483],{"type":284},{"type":231,"attrs":1484},{"color":1466},{"text":1486,"type":52,"marks":1487},"? Spendesk tiene la solución para adaptarte a los cambios con total tranquilidad.",[1488],{"type":231,"attrs":1489},{"color":1466},{"type":46,"attrs":1491,"content":1492},{"level":916},[1493],{"text":1494,"type":52,"marks":1495},"Acabar con el “prehistórico” proceso estándar de gestión de gastos",[1496],{"type":231,"attrs":1497},{"color":1498},"rgb(79, 129, 189)",{"type":61,"content":1500},[1501,1506,1515,1520,1529,1537,1543],{"text":1502,"type":52,"marks":1503},"Tratar y validar montañas de recibos, facturas y ",[1504],{"type":231,"attrs":1505},{"color":1466},{"text":1507,"type":52,"marks":1508},"hojas de gastos",[1509,1513],{"type":246,"attrs":1510},{"href":1511,"uuid":1512,"anchor":17,"target":1163,"linktype":1164},"/es/blog/hojas-de-gastos","2fb7321f-3c5c-460d-8d5f-8b587bd35d35",{"type":231,"attrs":1514},{"color":1466},{"text":1516,"type":52,"marks":1517},". 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 ",[1518],{"type":231,"attrs":1519},{"color":1466},{"text":1521,"type":52,"marks":1522},"las ",[1523,1527],{"type":246,"attrs":1524},{"href":1525,"uuid":1526,"anchor":17,"target":1163,"linktype":1164},"/blog/herramientas-financieras","b983cf92-f4ff-48ff-a785-b316ef6eac11",{"type":231,"attrs":1528},{"color":1466},{"text":1530,"type":52,"marks":1531},"nuevas herramientas",[1532,1534,1535],{"type":246,"attrs":1533},{"href":1525,"uuid":1526,"anchor":17,"target":1163,"linktype":1164},{"type":284},{"type":231,"attrs":1536},{"color":1466},{"text":1538,"type":52,"marks":1539}," y aplicaciones de gestión de gastos",[1540,1541],{"type":284},{"type":231,"attrs":1542},{"color":1466},{"text":1544,"type":52,"marks":1545},", es el momento de adoptar mejores prácticas.",[1546],{"type":231,"attrs":1547},{"color":1466},{"type":330,"attrs":1549},{"id":1550,"body":1551},"238cafd6-f467-4a6e-9d6e-d9c458de8c4f",[1552],{"_uid":1553,"html":1554,"component":1555},"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":1557,"content":1558},{"level":346},[1559],{"text":1560,"type":52,"marks":1561},"Identificar y abandonar las malas prácticas de gestión",[1562],{"type":231,"attrs":1563},{"color":1564},"rgb(0, 176, 240)",{"type":61,"content":1566},[1567,1572,1578,1588,1595],{"text":1568,"type":52,"marks":1569},"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 ",[1570],{"type":231,"attrs":1571},{"color":1466},{"text":1573,"type":52,"marks":1574},"de no perder las facturas y ",[1575,1576],{"type":284},{"type":231,"attrs":1577},{"color":1466},{"text":1579,"type":52,"marks":1580},"recibos",[1581,1585,1586],{"type":246,"attrs":1582},{"href":1583,"uuid":1584,"anchor":17,"target":1163,"linktype":1164},"/blog/gestion-de-recibos","03e9a2cb-b18c-4d3c-a308-b65c4e3026e5",{"type":284},{"type":231,"attrs":1587},{"color":1466},{"text":1589,"type":52,"marks":1590}," de los gastos",[1591,1593],{"type":246,"attrs":1592},{"href":1583,"uuid":1584,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":1594},{"color":1466},{"text":1596,"type":52,"marks":1597},".",[1598],{"type":231,"attrs":1599},{"color":1466},{"type":61,"content":1601},[1602,1607,1617,1623],{"text":1603,"type":52,"marks":1604},"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 ",[1605],{"type":231,"attrs":1606},{"color":1466},{"text":1608,"type":52,"marks":1609},"costes de empresa",[1610,1614,1615],{"type":246,"attrs":1611},{"href":1612,"uuid":1613,"anchor":17,"target":1163,"linktype":1164},"/es/blog/costes-directos-indirectos","c70aeb60-1d8d-4d9b-9e0c-00889278cd14",{"type":284},{"type":231,"attrs":1616},{"color":1466},{"text":1618,"type":52,"marks":1619}," por trabajador crecen",[1620,1621],{"type":284},{"type":231,"attrs":1622},{"color":1466},{"text":1624,"type":52,"marks":1625}," exponencialmente. ",[1626],{"type":231,"attrs":1627},{"color":1466},{"type":61,"content":1629},[1630],{"text":1631,"type":52,"marks":1632},"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.",[1633],{"type":231,"attrs":1634},{"color":1466},{"type":46,"attrs":1636,"content":1637},{"level":346},[1638],{"text":1639,"type":52,"marks":1640},"La tarjeta bancaria: vital y peligrosa",[1641],{"type":231,"attrs":1642},{"color":1564},{"type":61,"content":1644},[1645,1650,1656,1661,1671,1677],{"text":1646,"type":52,"marks":1647},"La ",[1648],{"type":231,"attrs":1649},{"color":1466},{"text":1651,"type":52,"marks":1652},"tarjeta bancaria es el medio de pago preferido",[1653,1654],{"type":284},{"type":231,"attrs":1655},{"color":1466},{"text":1657,"type":52,"marks":1658}," 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 ",[1659],{"type":231,"attrs":1660},{"color":1466},{"text":1662,"type":52,"marks":1663},"tarjeta de empresa",[1664,1668,1669],{"type":246,"attrs":1665},{"href":1666,"uuid":1667,"anchor":17,"target":1163,"linktype":1164},"/es/product/smart-company-cards","27dba625-a774-450b-9fb8-47efecbc5fc1",{"type":284},{"type":231,"attrs":1670},{"color":1466},{"text":1672,"type":52,"marks":1673}," pasa de mano en mano",[1674,1675],{"type":284},{"type":231,"attrs":1676},{"color":1466},{"text":1678,"type":52,"marks":1679},". 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:",[1680],{"type":231,"attrs":1681},{"color":1466},{"type":286,"content":1683},[1684,1693,1715,1724,1733,1742,1751],{"type":289,"content":1685},[1686],{"type":61,"content":1687},[1688],{"text":1689,"type":52,"marks":1690},"Compartir los datos de la tarjeta corporativa (por correo electrónico o, peor aún, en papel).",[1691],{"type":231,"attrs":1692},{"color":1466},{"type":289,"content":1694},[1695],{"type":61,"content":1696},[1697,1702,1711],{"text":1698,"type":52,"marks":1699}," No establecer un proceso para recuperar los ",[1700],{"type":231,"attrs":1701},{"color":1466},{"text":1703,"type":52,"marks":1704},"recibos de gastos",[1705,1709],{"type":246,"attrs":1706},{"href":1707,"uuid":1708,"anchor":17,"target":1163,"linktype":1164},"/de/blog/recibo-digital","6b825ba8-b2c0-4de1-b010-ba3558e93739",{"type":231,"attrs":1710},{"color":1466},{"text":1596,"type":52,"marks":1712},[1713],{"type":231,"attrs":1714},{"color":1466},{"type":289,"content":1716},[1717],{"type":61,"content":1718},[1719],{"text":1720,"type":52,"marks":1721},"No establecer controles sobre los límites y condiciones de su uso.",[1722],{"type":231,"attrs":1723},{"color":1466},{"type":289,"content":1725},[1726],{"type":61,"content":1727},[1728],{"text":1729,"type":52,"marks":1730},"Tener una sola tarjeta bancaria para todas las compras del personal.",[1731],{"type":231,"attrs":1732},{"color":1466},{"type":289,"content":1734},[1735],{"type":61,"content":1736},[1737],{"text":1738,"type":52,"marks":1739},"Utilizar la tarjeta corporativa para contratar suscripciones de software.",[1740],{"type":231,"attrs":1741},{"color":1466},{"type":289,"content":1743},[1744],{"type":61,"content":1745},[1746],{"text":1747,"type":52,"marks":1748},"Confiar la tarjeta a un empleado que está de viaje de negocios. ",[1749],{"type":231,"attrs":1750},{"color":1466},{"type":289,"content":1752},[1753],{"type":61,"content":1754},[1755],{"text":1756,"type":52,"marks":1757},"Utilizar la tarjeta y prestarla a un compañero sin avisar a nadie.",[1758],{"type":231,"attrs":1759},{"color":1466},{"type":61,"content":1761},[1762,1767,1773,1778,1784],{"text":1763,"type":52,"marks":1764},"Hoy hay soluciones fáciles para acabar con estos problemas. Spendesk ofrece ",[1765],{"type":231,"attrs":1766},{"color":1466},{"text":1768,"type":52,"marks":1769},"tarjetas corporativas físicas y virtuales",[1770,1771],{"type":284},{"type":231,"attrs":1772},{"color":1466},{"text":1774,"type":52,"marks":1775}," 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 ",[1776],{"type":231,"attrs":1777},{"color":1466},{"text":1779,"type":52,"marks":1780},"gastos incluso en tiempo real",[1781,1782],{"type":284},{"type":231,"attrs":1783},{"color":1466},{"text":1596,"type":52,"marks":1785},[1786],{"type":231,"attrs":1787},{"color":1466},{"type":46,"attrs":1789,"content":1790},{"level":916},[1791],{"text":1792,"type":52,"marks":1793},"Una política de gastos eficaz para controlar los costes ",[1794],{"type":231,"attrs":1795},{"color":1498},{"type":61,"content":1797},[1798,1803,1809,1814,1823],{"text":1799,"type":52,"marks":1800},"Establecer un mejor control de los gastos de empresa pasa inevitablemente por ",[1801],{"type":231,"attrs":1802},{"color":1466},{"text":1804,"type":52,"marks":1805},"establecer una política de gastos",[1806,1807],{"type":284},{"type":231,"attrs":1808},{"color":1466},{"text":1810,"type":52,"marks":1811},". Al menos por tres razones principales. La primera, porque ",[1812],{"type":231,"attrs":1813},{"color":1466},{"text":1815,"type":52,"marks":1816},"controlar los costes",[1817,1821],{"type":246,"attrs":1818},{"href":1819,"uuid":1820,"anchor":17,"target":1163,"linktype":1164},"/blog/reducir-costes-empresa","d8159b75-d2db-4fbd-b34b-7666d5bee488",{"type":231,"attrs":1822},{"color":1466},{"text":1824,"type":52,"marks":1825}," 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.",[1826],{"type":231,"attrs":1827},{"color":1466},{"type":46,"attrs":1829,"content":1830},{"level":346},[1831],{"text":1832,"type":52,"marks":1833},"El primer paso: racionalizar la gestión ",[1834],{"type":231,"attrs":1835},{"color":1564},{"type":61,"content":1837},[1838,1843,1849],{"text":1839,"type":52,"marks":1840},"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 ",[1841],{"type":231,"attrs":1842},{"color":1466},{"text":1844,"type":52,"marks":1845},"evitar despilfarros y aprovechar mejor sus recursos",[1846,1847],{"type":284},{"type":231,"attrs":1848},{"color":1466},{"text":1850,"type":52,"marks":1851},". ",[1852],{"type":231,"attrs":1853},{"color":1466},{"type":61,"content":1855},[1856,1861,1867],{"text":1857,"type":52,"marks":1858},"Hay que aplicar ",[1859],{"type":231,"attrs":1860},{"color":1466},{"text":1862,"type":52,"marks":1863},"medidas correctas para optimizar los procesos de gestión",[1864,1865],{"type":284},{"type":231,"attrs":1866},{"color":1466},{"text":1868,"type":52,"marks":1869}," de gastos.",[1870],{"type":231,"attrs":1871},{"color":1466},{"type":286,"content":1873},[1874,1906,1926,1946,1980,2000],{"type":289,"content":1875},[1876],{"type":61,"content":1877},[1878,1887,1895,1901],{"text":1879,"type":52,"marks":1880},"Establecer un ",[1881,1885],{"type":246,"attrs":1882},{"href":1883,"uuid":1884,"anchor":17,"target":1163,"linktype":1164},"/blog/procedimiento-presupuestario","4f95e2ce-5f44-44a5-a1a6-a0c984202850",{"type":231,"attrs":1886},{"color":1466},{"text":1888,"type":52,"marks":1889},"presupuesto",[1890,1892,1893],{"type":246,"attrs":1891},{"href":1883,"uuid":1884,"anchor":17,"target":1163,"linktype":1164},{"type":284},{"type":231,"attrs":1894},{"color":1466},{"text":1896,"type":52,"marks":1897}," por tipo de gasto",[1898,1899],{"type":284},{"type":231,"attrs":1900},{"color":1466},{"text":1902,"type":52,"marks":1903},". Fijar un presupuesto máximo para cada empleado en función de sus gastos, facilitará su control por la tesorería. ",[1904],{"type":231,"attrs":1905},{"color":1466},{"type":289,"content":1907},[1908],{"type":61,"content":1909},[1910,1915,1921],{"text":1911,"type":52,"marks":1912},"Desarrollar ",[1913],{"type":231,"attrs":1914},{"color":1466},{"text":1916,"type":52,"marks":1917},"procesos reales de gestión",[1918,1919],{"type":284},{"type":231,"attrs":1920},{"color":1466},{"text":1922,"type":52,"marks":1923},". 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. ",[1924],{"type":231,"attrs":1925},{"color":1466},{"type":289,"content":1927},[1928],{"type":61,"content":1929},[1930,1935,1941],{"text":1931,"type":52,"marks":1932},"Imponer una ",[1933],{"type":231,"attrs":1934},{"color":1466},{"text":1936,"type":52,"marks":1937},"fecha límite para el reembolso",[1938,1939],{"type":284},{"type":231,"attrs":1940},{"color":1466},{"text":1942,"type":52,"marks":1943},". Se acabó estar enviando o recibiendo hojas de gastos continuamente. Establecer un período concreto al mes facilitará su gestión. ",[1944],{"type":231,"attrs":1945},{"color":1466},{"type":289,"content":1947},[1948],{"type":61,"content":1949},[1950,1955,1961,1966,1975],{"text":1951,"type":52,"marks":1952},"Proporcionar un ",[1953],{"type":231,"attrs":1954},{"color":1466},{"text":1956,"type":52,"marks":1957},"método de pago adaptado",[1958,1959],{"type":284},{"type":231,"attrs":1960},{"color":1466},{"text":1962,"type":52,"marks":1963}," a cada empleado. Por ejemplo, una ",[1964],{"type":231,"attrs":1965},{"color":1466},{"text":1967,"type":52,"marks":1968},"tarjeta de pago virtual",[1969,1973],{"type":246,"attrs":1970},{"href":1971,"uuid":1972,"anchor":17,"target":1163,"linktype":1164},"/blog/tarjetas-virtuales","647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"type":231,"attrs":1974},{"color":1466},{"text":1976,"type":52,"marks":1977}," 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.",[1978],{"type":231,"attrs":1979},{"color":1466},{"type":289,"content":1981},[1982],{"type":61,"content":1983},[1984,1989,1995],{"text":1985,"type":52,"marks":1986},"Cazar a los ",[1987],{"type":231,"attrs":1988},{"color":1466},{"text":1990,"type":52,"marks":1991},"empleados defraudadores",[1992,1993],{"type":284},{"type":231,"attrs":1994},{"color":1466},{"text":1996,"type":52,"marks":1997},". Eliminando el informe de gastos con soluciones SaaS, estos gastos se verán reducidos. ",[1998],{"type":231,"attrs":1999},{"color":1466},{"type":289,"content":2001},[2002],{"type":61,"content":2003},[2004,2010],{"text":2005,"type":52,"marks":2006},"Digitalizar la gestión de gastos",[2007,2008],{"type":284},{"type":231,"attrs":2009},{"color":1466},{"text":2011,"type":52,"marks":2012},". 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…",[2013],{"type":231,"attrs":2014},{"color":1466},{"type":46,"attrs":2016,"content":2017},{"level":346},[2018],{"text":2019,"type":52,"marks":2020},"Establecer y comunicar la política de gastos",[2021],{"type":231,"attrs":2022},{"color":1564},{"type":61,"content":2024},[2025,2030,2036],{"text":2026,"type":52,"marks":2027},"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. ",[2028],{"type":231,"attrs":2029},{"color":1466},{"text":2031,"type":52,"marks":2032},"Calcular los gastos fijos y variables",[2033,2034],{"type":284},{"type":231,"attrs":2035},{"color":1466},{"text":2037,"type":52,"marks":2038}," previstos, así como las ganancias. Y claro, que el balance sea siempre positivo.",[2039],{"type":231,"attrs":2040},{"color":1466},{"type":61,"content":2042},[2043,2048,2054,2059,2068],{"text":2044,"type":52,"marks":2045},"Define",[2046],{"type":231,"attrs":2047},{"color":1466},{"text":2049,"type":52,"marks":2050}," el nivel de lujo y el presupuesto que deseas asignar",[2051,2052],{"type":284},{"type":231,"attrs":2053},{"color":1466},{"text":2055,"type":52,"marks":2056}," a cada partida de gasto. Por ejemplo, establece claramente qué categoría de hoteles pueden reservar tus empleados. Igual, las tarifas de viaje o ",[2057],{"type":231,"attrs":2058},{"color":1466},{"text":2060,"type":52,"marks":2061},"las dietas",[2062,2066],{"type":246,"attrs":2063},{"href":2064,"uuid":2065,"anchor":17,"target":1163,"linktype":1164},"/blog/dietas-de-viaje","044dac70-466e-4b9c-85b5-c3155576cf18",{"type":231,"attrs":2067},{"color":1466},{"text":2069,"type":52,"marks":2070}," de comida. Ten en cuenta también, eso sí, una parte variable para cubrir imprevistos.",[2071],{"type":231,"attrs":2072},{"color":1466},{"type":61,"content":2074},[2075,2080,2086],{"text":2076,"type":52,"marks":2077},"Por último, es fundamental ",[2078],{"type":231,"attrs":2079},{"color":1466},{"text":2081,"type":52,"marks":2082},"comunicar a todos los empleados la política de gastos",[2083,2084],{"type":284},{"type":231,"attrs":2085},{"color":1466},{"text":2087,"type":52,"marks":2088}," 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.",[2089],{"type":231,"attrs":2090},{"color":1466},{"type":46,"attrs":2092,"content":2093},{"level":916},[2094],{"text":2095,"type":52,"marks":2096},"La automatización, una solución innovadora y adaptada",[2097],{"type":231,"attrs":2098},{"color":1498},{"type":61,"content":2100},[2101,2106,2112],{"text":2102,"type":52,"marks":2103},"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. Automatizando estas tareas, el ",[2104],{"type":231,"attrs":2105},{"color":1466},{"text":2107,"type":52,"marks":2108},"control de los gastos de la empresa",[2109,2110],{"type":284},{"type":231,"attrs":2111},{"color":1466},{"text":2113,"type":52,"marks":2114}," es mucho más fácil.",[2115],{"type":231,"attrs":2116},{"color":1466},{"type":61,"content":2118},[2119,2124,2133,2138,2144],{"text":2120,"type":52,"marks":2121},"Spendesk ofrece una solución ideal. Desde su ",[2122],{"type":231,"attrs":2123},{"color":1466},{"text":2125,"type":52,"marks":2126},"app de control de costes",[2127,2131],{"type":246,"attrs":2128},{"href":2129,"uuid":2130,"anchor":17,"target":1163,"linktype":1164},"/expense-management-software","1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a",{"type":231,"attrs":2132},{"color":1466},{"text":2134,"type":52,"marks":2135}," se puede, por ejemplo, ",[2136],{"type":231,"attrs":2137},{"color":1466},{"text":2139,"type":52,"marks":2140},"establecer los umbrales de gasto y facilitar las autorizaciones",[2141,2142],{"type":284},{"type":231,"attrs":2143},{"color":1466},{"text":2145,"type":52,"marks":2146},". También permite enviar a contabilidad los justificantes o facturas digitalmente y de forma rápida. ¡Se pueden controlar los gastos en tiempo real!",[2147],{"type":231,"attrs":2148},{"color":1466},{"type":61,"content":2150},[2151,2156,2162,2167,2173,2178,2184],{"text":2152,"type":52,"marks":2153},"Una ",[2154],{"type":231,"attrs":2155},{"color":1466},{"text":2157,"type":52,"marks":2158},"tarjeta corporativa física y nominativa",[2159,2160],{"type":284},{"type":231,"attrs":2161},{"color":1466},{"text":2163,"type":52,"marks":2164}," es la mejor solución para los viajes de empresa. Además, esta solución permite fijar límites de gasto para cada viaje, incluso por días y horas. Para las compras por internet, las ",[2165],{"type":231,"attrs":2166},{"color":1466},{"text":2168,"type":52,"marks":2169},"tarjetas virtuales de un solo uso",[2170,2171],{"type":284},{"type":231,"attrs":2172},{"color":1466},{"text":2174,"type":52,"marks":2175}," ofrecen seguridad y transparencia. Al final de cada mes se envía un extracto completo a la empresa, así como al titular de la tarjeta. Así se obtiene una imagen clara de los ",[2176],{"type":231,"attrs":2177},{"color":1466},{"text":2179,"type":52,"marks":2180},"gastos de cada empleado",[2181,2182],{"type":284},{"type":231,"attrs":2183},{"color":1466},{"text":1850,"type":52,"marks":2185},[2186],{"type":231,"attrs":2187},{"color":1466},{"type":61,"content":2189},[2190,2195,2201,2206,2215],{"text":2191,"type":52,"marks":2192},"La gestión de los gastos no parece sencilla a primera vista. Sin embargo, la ",[2193],{"type":231,"attrs":2194},{"color":1466},{"text":2196,"type":52,"marks":2197},"desmaterialización aporta más seguridad, flexibilidad y control ",[2198,2199],{"type":284},{"type":231,"attrs":2200},{"color":1466},{"text":2202,"type":52,"marks":2203},"sobre ellos. También hace crecer la productividad y autonomía de los empleados. ¡Todo son ventajas! Así que a qué esperas para estar a la vanguardia. 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Este reglamento, conocido como Ley Crea y Crece, ",[2324],{"type":231,"attrs":2325},{"color":1466},{"text":2327,"type":52,"marks":2328},"impone la facturación electrónica a todas las empresas y autónomos",[2329,2331],{"type":231,"attrs":2330},{"color":1466},{"type":284},{"text":2333,"type":52,"marks":2334},". Sus objetivos principales: reducir la morosidad y digitalizar la economía. ",[2335],{"type":231,"attrs":2336},{"color":1466},{"type":46,"attrs":2338,"content":2339},{"level":916,"textAlign":17},[2340],{"text":2341,"type":52,"marks":2342},"Qué es y qué ventajas tiene la factura electrónica",[2343,2345],{"type":231,"attrs":2344},{"color":1498},{"type":284},{"type":61,"attrs":2347,"content":2348},{"textAlign":17},[2349,2354,2360],{"text":2350,"type":52,"marks":2351},"Independientemente del tipo de negocio que tengas, ",[2352],{"type":231,"attrs":2353},{"color":1466},{"text":2355,"type":52,"marks":2356},"la facturación es inevitable",[2357,2359],{"type":231,"attrs":2358},{"color":1466},{"type":284},{"text":2361,"type":52,"marks":2362},". Pagar, cobrar y guardar las facturas son tareas básicas. La digitalización facilita y agiliza todo el proceso. ",[2363],{"type":231,"attrs":2364},{"color":1466},{"type":46,"attrs":2366,"content":2367},{"level":346,"textAlign":17},[2368],{"text":2369,"type":52,"marks":2370},"La definición y cómo hacer una factura electrónica",[2371,2373],{"type":231,"attrs":2372},{"color":1564},{"type":284},{"type":61,"attrs":2375,"content":2376},{"textAlign":17},[2377,2381,2390,2395,2401],{"text":1646,"type":52,"marks":2378},[2379],{"type":231,"attrs":2380},{"color":1466},{"text":2382,"type":52,"marks":2383},"factura electrónica",[2384,2387,2389],{"type":246,"attrs":2385},{"href":2386,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://www.facturae.gob.es/factura-electronica/Paginas/factura-electronica.aspx",{"type":231,"attrs":2388},{"color":2213},{"type":253},{"text":2391,"type":52,"marks":2392}," o digital",[2393],{"type":231,"attrs":2394},{"color":1466},{"text":2396,"type":52,"marks":2397}," sustituye legal y fiscalmente a la factura en papel",[2398,2400],{"type":231,"attrs":2399},{"color":1466},{"type":284},{"text":2402,"type":52,"marks":2403},". Básicamente, se trata de un archivo de datos basado en Internet. Este archivo puede ser escaneado y procesado automáticamente por un programa informático. ",[2404],{"type":231,"attrs":2405},{"color":1466},{"type":61,"attrs":2407,"content":2408},{"textAlign":17},[2409],{"text":2410,"type":52,"marks":2411},"Una factura electrónica se considera un documento original válido si se cumplen las 3 condiciones siguientes:",[2412],{"type":231,"attrs":2413},{"color":1466},{"type":286,"content":2415},[2416,2432,2448],{"type":289,"content":2417},[2418],{"type":61,"attrs":2419,"content":2420},{"textAlign":17},[2421,2427],{"text":2422,"type":52,"marks":2423},"Formato de la factura",[2424,2426],{"type":231,"attrs":2425},{"color":1466},{"type":284},{"text":2428,"type":52,"marks":2429},": se requiere un formato digital estructurado (EDIFACT, XML, PDF, X12...).",[2430],{"type":231,"attrs":2431},{"color":1466},{"type":289,"content":2433},[2434],{"type":61,"attrs":2435,"content":2436},{"textAlign":17},[2437,2443],{"text":2438,"type":52,"marks":2439},"Transmisión electrónica",[2440,2442],{"type":231,"attrs":2441},{"color":1466},{"type":284},{"text":2444,"type":52,"marks":2445},": se requiere una transmisión telemática. Debe partir de un ordenador y ser recogida por otro ordenador.",[2446],{"type":231,"attrs":2447},{"color":1466},{"type":289,"content":2449},[2450],{"type":61,"attrs":2451,"content":2452},{"textAlign":17},[2453,2459],{"text":2454,"type":52,"marks":2455},"Legibilidad, integridad y autenticidad",[2456,2458],{"type":231,"attrs":2457},{"color":1466},{"type":284},{"text":2460,"type":52,"marks":2461},": el documento no puede ser modificado, lo que garantiza su integridad y autenticidad.",[2462],{"type":231,"attrs":2463},{"color":1466},{"type":61,"attrs":2465,"content":2466},{"textAlign":17},[2467,2472,2478],{"text":2468,"type":52,"marks":2469},"Para garantizar la implantación de la nueva Ley, la Administración dará acceso a una ",[2470],{"type":231,"attrs":2471},{"color":1466},{"text":2473,"type":52,"marks":2474},"plataforma básica desde la que crear las facturas",[2475,2477],{"type":231,"attrs":2476},{"color":1466},{"type":284},{"text":2479,"type":52,"marks":2480},". 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.",[2481],{"type":231,"attrs":2482},{"color":1466},{"type":61,"attrs":2484,"content":2485},{"textAlign":17},[2486,2491,2497],{"text":2487,"type":52,"marks":2488},"Digitalizar las facturas no es un capricho. Sus ventajas son muchas, de ahí que España haya decidido hacerlas obligatorias. Tomemos el ejemplo de la ",[2489],{"type":231,"attrs":2490},{"color":1466},{"text":2492,"type":52,"marks":2493},"herramienta de Spendesk",[2494,2496],{"type":231,"attrs":2495},{"color":1466},{"type":284},{"text":2498,"type":52,"marks":2499}," para ver todas las ventajas:",[2500],{"type":231,"attrs":2501},{"color":1466},{"type":286,"content":2503},[2504,2520,2536,2552,2573],{"type":289,"content":2505},[2506],{"type":61,"attrs":2507,"content":2508},{"textAlign":17},[2509,2515],{"text":2510,"type":52,"marks":2511},"Procesos administrativos más eficaces",[2512,2514],{"type":231,"attrs":2513},{"color":1466},{"type":284},{"text":2516,"type":52,"marks":2517},". Los documentos se gestionan de forma directa y automática. Esta automatización reduce mucho el número de errores causados por la facturación manual.",[2518],{"type":231,"attrs":2519},{"color":1466},{"type":289,"content":2521},[2522],{"type":61,"attrs":2523,"content":2524},{"textAlign":17},[2525,2531],{"text":2526,"type":52,"marks":2527},"Menor coste y más rapidez",[2528,2530],{"type":231,"attrs":2529},{"color":1466},{"type":284},{"text":2532,"type":52,"marks":2533},". 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.",[2534],{"type":231,"attrs":2535},{"color":1466},{"type":289,"content":2537},[2538],{"type":61,"attrs":2539,"content":2540},{"textAlign":17},[2541,2547],{"text":2542,"type":52,"marks":2543},"Seguridad en las comunicaciones.",[2544,2546],{"type":231,"attrs":2545},{"color":1466},{"type":284},{"text":2548,"type":52,"marks":2549}," La gestión de estos documentos a través de redes privadas o mediante protocolos dedicados garantiza una transmisión segura y confidencial.",[2550],{"type":231,"attrs":2551},{"color":1466},{"type":289,"content":2553},[2554],{"type":61,"attrs":2555,"content":2556},{"textAlign":17},[2557,2562,2568],{"text":2558,"type":52,"marks":2559},"Integridad del documento. La emisión de ",[2560],{"type":231,"attrs":2561},{"color":1466},{"text":2563,"type":52,"marks":2564},"facturas con un certificado digital o firma electrónica",[2565,2567],{"type":231,"attrs":2566},{"color":1466},{"type":284},{"text":2569,"type":52,"marks":2570}," garantizan la integridad del contenido y la autenticidad.",[2571],{"type":231,"attrs":2572},{"color":1466},{"type":289,"content":2574},[2575],{"type":61,"attrs":2576,"content":2577},{"textAlign":17},[2578,2584],{"text":2579,"type":52,"marks":2580},"Integración con los sistemas de gestión",[2581,2583],{"type":231,"attrs":2582},{"color":1466},{"type":284},{"text":2585,"type":52,"marks":2586},". La factura se registra automáticamente y sin intervención humana en el sistema de gestión interno de la empresa.",[2587],{"type":231,"attrs":2588},{"color":1466},{"type":330,"attrs":2590},{"id":2591,"body":2592},"d6fba958-bcd5-4ab7-a379-d195c0f1986b",[2593],{"_uid":2594,"html":2595,"component":1555},"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":2597,"content":2598},{"level":916,"textAlign":17},[2599],{"text":2600,"type":52,"marks":2601},"¿Cuándo serán obligatorias las facturas electrónicas?",[2602,2604],{"type":231,"attrs":2603},{"color":1498},{"type":284},{"type":61,"attrs":2606,"content":2607},{"textAlign":17},[2608,2613,2619],{"text":2609,"type":52,"marks":2610},"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 ",[2611],{"type":231,"attrs":2612},{"color":1466},{"text":2614,"type":52,"marks":2615},"calendario de aplicación obligatorio",[2616,2618],{"type":231,"attrs":2617},{"color":1466},{"type":284},{"text":2620,"type":52,"marks":2621},":",[2622],{"type":231,"attrs":2623},{"color":1466},{"type":286,"content":2625},[2626,2636],{"type":289,"content":2627},[2628],{"type":61,"attrs":2629,"content":2630},{"textAlign":17},[2631],{"text":2632,"type":52,"marks":2633},"a partir del verano de 2024, las grandes empresas con más de 8 millones de euros de facturación anual;",[2634],{"type":231,"attrs":2635},{"color":1466},{"type":289,"content":2637},[2638],{"type":61,"attrs":2639,"content":2640},{"textAlign":17},[2641],{"text":2642,"type":52,"marks":2643},"a partir del verano de 2025,  el resto de empresas y autónomos.",[2644],{"type":231,"attrs":2645},{"color":1466},{"type":61,"attrs":2647,"content":2648},{"textAlign":17},[2649,2654,2660,2665,2674],{"text":2650,"type":52,"marks":2651},"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 ",[2652],{"type":231,"attrs":2653},{"color":1466},{"text":2655,"type":52,"marks":2656},"ayudas para facilitar su digitalización",[2657,2659],{"type":231,"attrs":2658},{"color":1466},{"type":284},{"text":2661,"type":52,"marks":2662},", el llamado ",[2663],{"type":231,"attrs":2664},{"color":1466},{"text":2666,"type":52,"marks":2667},"Programa Digital Toolkit",[2668,2671,2673],{"type":246,"attrs":2669},{"href":2670,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://acelerapyme.gob.es/kit-digital",{"type":231,"attrs":2672},{"color":2213},{"type":253},{"text":1596,"type":52,"marks":2675},[2676],{"type":231,"attrs":2677},{"color":1466},{"type":46,"attrs":2679,"content":2680},{"level":916,"textAlign":17},[2681],{"text":2682,"type":52,"marks":2683},"1 - Equiparse con un programa de facturación electrónica",[2684,2686],{"type":231,"attrs":2685},{"color":1498},{"type":284},{"type":61,"attrs":2688,"content":2689},{"textAlign":17},[2690,2695,2701],{"text":2691,"type":52,"marks":2692},"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 ",[2693],{"type":231,"attrs":2694},{"color":1466},{"text":2696,"type":52,"marks":2697},"procesar las de proveedores y prestadores",[2698,2700],{"type":231,"attrs":2699},{"color":1466},{"type":284},{"text":2702,"type":52,"marks":2703}," de servicios. ",[2704],{"type":231,"attrs":2705},{"color":1466},{"type":61,"attrs":2707,"content":2708},{"textAlign":17},[2709,2714,2720,2730,2736],{"text":2710,"type":52,"marks":2711},"Las facturas digitales están compuestas de datos estructurados que sólo pueden leerlos programas informáticos. Un ",[2712],{"type":231,"attrs":2713},{"color":1466},{"text":2715,"type":52,"marks":2716},"software de ",[2717,2719],{"type":231,"attrs":2718},{"color":1466},{"type":284},{"text":2721,"type":52,"marks":2722},"gestión de facturas",[2723,2727,2729],{"type":246,"attrs":2724},{"href":2725,"uuid":2726,"anchor":17,"target":1163,"linktype":1164},"/blog/gestion-de-facturas","c6a55405-3d30-451e-8121-9d552267c43b",{"type":231,"attrs":2728},{"color":1466},{"type":284},{"text":2731,"type":52,"marks":2732}," electrónicas",[2733,2735],{"type":231,"attrs":2734},{"color":1466},{"type":284},{"text":2737,"type":52,"marks":2738}," es así obligatorio para la comunicación con las aplicaciones informáticas utilizadas por otras empresas o administraciones públicas. ",[2739],{"type":231,"attrs":2740},{"color":1466},{"type":46,"attrs":2742,"content":2743},{"level":916,"textAlign":17},[2744],{"text":2745,"type":52,"marks":2746},"2 - Familiarizarse con la plataforma pública de factura electrónica",[2747,2749],{"type":231,"attrs":2748},{"color":1498},{"type":284},{"type":61,"attrs":2751,"content":2752},{"textAlign":17},[2753,2758,2764,2769,2778],{"text":2754,"type":52,"marks":2755},"Desde 2015 es obligatoria la facturación digital en la contratación pública. Actualmente, la ",[2756],{"type":231,"attrs":2757},{"color":1466},{"text":2759,"type":52,"marks":2760},"tramitación de cualquier factura con una Administración Pública",[2761,2763],{"type":231,"attrs":2762},{"color":1466},{"type":284},{"text":2765,"type":52,"marks":2766}," hay que hacerla a través de ",[2767],{"type":231,"attrs":2768},{"color":1466},{"text":2770,"type":52,"marks":2771},"FACe, el Punto General de Entradas de Facturas Electrónicas",[2772,2775,2777],{"type":246,"attrs":2773},{"href":2774,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://face.gob.es/es",{"type":231,"attrs":2776},{"color":2213},{"type":253},{"text":2779,"type":52,"marks":2780},". Familiariza tu contabilidad con esta plataforma.",[2781],{"type":231,"attrs":2782},{"color":1466},{"type":61,"attrs":2784,"content":2785},{"textAlign":17},[2786,2791,2800],{"text":2787,"type":52,"marks":2788},"Ten en cuenta también que hay otras plataformas y empresas de servicios de facturación electrónica. El Gobierno ofrece un ",[2789],{"type":231,"attrs":2790},{"color":1466},{"text":2792,"type":52,"marks":2793},"directorio verificado de proveedores",[2794,2797,2799],{"type":246,"attrs":2795},{"href":2796,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://face.gob.es/es/proveedores-servicios",{"type":231,"attrs":2798},{"color":2213},{"type":253},{"text":2801,"type":52,"marks":2802}," a través de su página de FACe.",[2803],{"type":231,"attrs":2804},{"color":1466},{"type":46,"attrs":2806,"content":2807},{"level":916,"textAlign":17},[2808],{"text":2809,"type":52,"marks":2810},"3 - Proteger los datos de facturación electrónica",[2811,2813],{"type":231,"attrs":2812},{"color":1498},{"type":284},{"type":61,"attrs":2815,"content":2816},{"textAlign":17},[2817,2822,2829,2834,2840],{"text":2818,"type":52,"marks":2819},"La digitalización de los procesos convierte la seguridad en una cuestión primordial. Toda transacción, ",[2820],{"type":231,"attrs":2821},{"color":1466},{"text":2823,"type":52,"marks":2824},"hoja de gasto",[2825,2827],{"type":246,"attrs":2826},{"href":1511,"uuid":1512,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":2828},{"color":1466},{"text":2830,"type":52,"marks":2831},", 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 ",[2832],{"type":231,"attrs":2833},{"color":1466},{"text":2835,"type":52,"marks":2836},"evitar el fraude en las facturas",[2837,2839],{"type":231,"attrs":2838},{"color":1466},{"type":284},{"text":1596,"type":52,"marks":2841},[2842],{"type":231,"attrs":2843},{"color":1466},{"type":61,"attrs":2845,"content":2846},{"textAlign":17},[2847,2852,2857],{"text":2848,"type":52,"marks":2849},"Sólo en 2021, se estima que la ciberdelincuencia costó a las empresas de todo el mundo más de 6 billones de euros. En ",[2850],{"type":231,"attrs":2851},{"color":1466},{"text":2853,"type":52,"marks":2854},"España no paran de crecer los ciberataques",[2855],{"type":231,"attrs":2856},{"color":2213},{"text":2858,"type":52,"marks":2859}," 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.",[2860],{"type":231,"attrs":2861},{"color":1466},{"type":61,"attrs":2863,"content":2864},{"textAlign":17},[2865,2870,2876,2881,2890],{"text":2866,"type":52,"marks":2867},"Existen métodos y herramientas para reforzar la seguridad. Spendesk, por ejemplo, está equipado de un ",[2868],{"type":231,"attrs":2869},{"color":1466},{"text":2871,"type":52,"marks":2872},"algoritmo de detección del fraude",[2873,2875],{"type":231,"attrs":2874},{"color":1466},{"type":284},{"text":2877,"type":52,"marks":2878},". Además, el acceso a la plataforma está altamente protegido. También el Gobierno dispone de ",[2879],{"type":231,"attrs":2880},{"color":1466},{"text":2882,"type":52,"marks":2883},"una plataforma de autentificación",[2884,2887,2889],{"type":246,"attrs":2885},{"href":2886,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://sede.mjusticia.gob.es/en/informacion-ayuda/certificado-digital",{"type":231,"attrs":2888},{"color":2213},{"type":253},{"text":2891,"type":52,"marks":2892}," de la firma y certificados digitales. ",[2893],{"type":231,"attrs":2894},{"color":1466},{"type":46,"attrs":2896,"content":2897},{"level":916,"textAlign":17},[2898],{"text":2899,"type":52,"marks":2900},"4 - Realizar una auditoría de conformidad ",[2901,2903],{"type":231,"attrs":2902},{"color":1498},{"type":284},{"type":61,"attrs":2905,"content":2906},{"textAlign":17},[2907],{"text":2908,"type":52,"marks":2909},"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.",[2910],{"type":231,"attrs":2911},{"color":1466},{"type":61,"attrs":2913,"content":2914},{"textAlign":17},[2915,2920,2926],{"text":2916,"type":52,"marks":2917},"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 ",[2918],{"type":231,"attrs":2919},{"color":1466},{"text":2921,"type":52,"marks":2922},"información obligatoria en la facturación electrónica",[2923,2925],{"type":231,"attrs":2924},{"color":1466},{"type":284},{"text":2620,"type":52,"marks":2927},[2928],{"type":231,"attrs":2929},{"color":1466},{"type":286,"content":2931},[2932,2942,2952,2962,2972,2982,2992,3002],{"type":289,"content":2933},[2934],{"type":61,"attrs":2935,"content":2936},{"textAlign":17},[2937],{"text":2938,"type":52,"marks":2939},"el número de la factura;",[2940],{"type":231,"attrs":2941},{"color":1466},{"type":289,"content":2943},[2944],{"type":61,"attrs":2945,"content":2946},{"textAlign":17},[2947],{"text":2948,"type":52,"marks":2949},"la fecha de la expedición (y si es distinta, también la fecha de la operación);",[2950],{"type":231,"attrs":2951},{"color":1466},{"type":289,"content":2953},[2954],{"type":61,"attrs":2955,"content":2956},{"textAlign":17},[2957],{"text":2958,"type":52,"marks":2959},"el nombre o denominación social tanto del emisor como del receptor de la factura;",[2960],{"type":231,"attrs":2961},{"color":1466},{"type":289,"content":2963},[2964],{"type":61,"attrs":2965,"content":2966},{"textAlign":17},[2967],{"text":2968,"type":52,"marks":2969},"el NIF o número de identificación fiscal;",[2970],{"type":231,"attrs":2971},{"color":1466},{"type":289,"content":2973},[2974],{"type":61,"attrs":2975,"content":2976},{"textAlign":17},[2977],{"text":2978,"type":52,"marks":2979},"la dirección de tu empresa y la del cliente o proveedor;",[2980],{"type":231,"attrs":2981},{"color":1466},{"type":289,"content":2983},[2984],{"type":61,"attrs":2985,"content":2986},{"textAlign":17},[2987],{"text":2988,"type":52,"marks":2989},"la naturaleza de la transacción (bienes, servicios o ambos);",[2990],{"type":231,"attrs":2991},{"color":1466},{"type":289,"content":2993},[2994],{"type":61,"attrs":2995,"content":2996},{"textAlign":17},[2997],{"text":2998,"type":52,"marks":2999},"el importe total sin IVA;",[3000],{"type":231,"attrs":3001},{"color":1466},{"type":289,"content":3003},[3004],{"type":61,"attrs":3005,"content":3006},{"textAlign":17},[3007],{"text":3008,"type":52,"marks":3009},"el tipo impositivo que se aplica, así como la cuota tributaria.",[3010],{"type":231,"attrs":3011},{"color":1466},{"type":46,"attrs":3013,"content":3014},{"level":916,"textAlign":17},[3015],{"text":3016,"type":52,"marks":3017},"5 - Implantar procesos y herramientas de reporting",[3018,3020],{"type":231,"attrs":3019},{"color":1498},{"type":284},{"type":61,"attrs":3022,"content":3023},{"textAlign":17},[3024,3029,3035],{"text":3025,"type":52,"marks":3026},"El reporting es la ",[3027],{"type":231,"attrs":3028},{"color":1466},{"text":3030,"type":52,"marks":3031},"elaboración de informes sobre la empresa",[3032,3034],{"type":231,"attrs":3033},{"color":1466},{"type":284},{"text":3036,"type":52,"marks":3037}," 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. ",[3038],{"type":231,"attrs":3039},{"color":1466},{"type":61,"attrs":3041,"content":3042},{"textAlign":17},[3043,3048,3054],{"text":3044,"type":52,"marks":3045},"La digitalización contable mejora la calidad de tus informes y al mismo tiempo combina cumplimiento y optimización. Efectivamente, todas las ",[3046],{"type":231,"attrs":3047},{"color":1466},{"text":3049,"type":52,"marks":3050},"transacciones sujetas al IVA deben declararse telemáticamente",[3051,3053],{"type":231,"attrs":3052},{"color":1466},{"type":284},{"text":3055,"type":52,"marks":3056}," a las autoridades financieras. Por lo tanto, asegúrate que tu software ERP es capaz de emitir informes compatibles con las expectativas de Hacienda.",[3057],{"type":231,"attrs":3058},{"color":1466},{"type":61,"attrs":3060,"content":3061},{"textAlign":17},[3062],{"text":3063,"type":52,"marks":3064},"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.",[3065],{"type":231,"attrs":3066},{"color":1466},{"type":46,"attrs":3068,"content":3069},{"level":916,"textAlign":17},[3070],{"text":3071,"type":52,"marks":3072},"Spendesk te ayuda a digitalizar tu facturación",[3073,3075],{"type":231,"attrs":3074},{"color":1498},{"type":284},{"type":61,"attrs":3077,"content":3078},{"textAlign":17},[3079,3084,3090],{"text":3080,"type":52,"marks":3081},"Aprender un nuevo sistema de facturación puede parecer desalentador. Spendesk trabaja activamente para proporcionar ",[3082],{"type":231,"attrs":3083},{"color":1466},{"text":3085,"type":52,"marks":3086},"el entorno adecuado para la transición a una facturación digital",[3087,3089],{"type":231,"attrs":3088},{"color":1466},{"type":284},{"text":3091,"type":52,"marks":3092}," 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.",[3093],{"type":231,"attrs":3094},{"color":1466},{"type":61,"attrs":3096,"content":3097},{"textAlign":17},[3098,3103,3112],{"text":3099,"type":52,"marks":3100},"Con la automatización de las facturas de los proveedores, las empresas pueden facilitar el trabajo de los equipos financieros. La ",[3101],{"type":231,"attrs":3102},{"color":1466},{"text":3104,"type":52,"marks":3105},"solución de gestión de facturas electrónicas",[3106,3109,3111],{"type":246,"attrs":3107},{"href":3108,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://www.spendesk.com/es/product/invoice-management/",{"type":231,"attrs":3110},{"color":2213},{"type":253},{"text":3113,"type":52,"marks":3114}," 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. ",[3115],{"type":231,"attrs":3116},{"color":1466},{"type":61,"attrs":3118,"content":3119},{"textAlign":17},[3120,3125,3131,3136,3145],{"text":3121,"type":52,"marks":3122},"La facturación electrónica es ya una realidad. Y una obligación. La gestión de las facturas es más fácil con un ",[3123],{"type":231,"attrs":3124},{"color":1466},{"text":3126,"type":52,"marks":3127},"sistema de facturación eficiente",[3128,3130],{"type":231,"attrs":3129},{"color":1466},{"type":284},{"text":3132,"type":52,"marks":3133}," y con las herramientas adecuadas para ayudar con el proceso. ¡No conviertas la facturación en una tarea pesada y ",[3134],{"type":231,"attrs":3135},{"color":1466},{"text":3137,"type":52,"marks":3138},"prueba ya Spendesk",[3139,3142,3144],{"type":246,"attrs":3140},{"href":3141,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://www.spendesk.com/es/test-drive-demo/",{"type":231,"attrs":3143},{"color":2213},{"type":253},{"text":3146,"type":52,"marks":3147},"!",[3148],{"type":231,"attrs":3149},{"color":1466},{"type":330,"attrs":3151},{"id":2591,"body":3152},[3153],{"_uid":3154,"html":2595,"component":1555},"i-0eb25bf7-107e-46bb-8348-712f2a3eb795",{"name":1337,"created_at":1338,"published_at":104,"updated_at":1339,"id":1340,"uuid":1341,"content":3156,"slug":1349,"full_slug":1350,"sort_by_date":17,"position":138,"tag_list":3158,"is_startpage":14,"parent_id":1352,"meta_data":17,"group_id":1353,"first_published_at":1354,"release_id":17,"lang":118,"path":17,"alternates":3159,"default_full_slug":1356,"translated_slugs":3160,"_stopResolving":127},{"_uid":1343,"icon":3157,"name":1337,"component":1348},{"id":1345,"alt":1346,"name":18,"focus":18,"title":18,"filename":1347,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[3161,3162,3163],{"path":1356,"name":17,"lang":123,"published":17},{"path":1356,"name":17,"lang":125,"published":17},{"path":1356,"name":17,"lang":118,"published":17},[118],[3166],{"_uid":3167,"type":18,"asset":3168,"shadow":14,"caption":18,"overlay":3171,"component":343},"bbfacdfe-02e2-46c7-b662-a9117b7ebca5",{"id":3169,"alt":18,"name":18,"focus":18,"title":18,"filename":3170,"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",[3176],{"_uid":3177,"type":18,"asset":3178,"shadow":14,"caption":18,"overlay":3179,"component":343},"15f36d65-2c10-451d-9c95-0b93eb481b29",{"id":3169,"alt":18,"name":18,"focus":18,"title":18,"filename":3170,"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.",[3182],{"_uid":3183,"items":3184,"heading":3222,"reverse":14,"component":3240,"sectionSettings":3241},"b38d895b-97f6-4a83-88ab-26d7c5c09698",[3185,3195,3204,3213],{"_uid":3186,"title":3187,"component":3188,"description":3189},"5475a038-3897-4662-82a4-7573ea7a8145","¿Qué es la factura electrónica y cómo funciona en España?","faqItem",{"type":43,"content":3190},[3191],{"type":61,"content":3192},[3193],{"text":3194,"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":3196,"title":3197,"component":3188,"description":3198},"66b9ba55-bee5-4d58-b72f-28bb9f3ed12a","¿Cuáles son los requisitos legales para emitir facturas electrónicas en España?",{"type":43,"content":3199},[3200],{"type":61,"content":3201},[3202],{"text":3203,"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":3205,"title":3206,"component":3188,"description":3207},"b579c38f-3768-4d09-a288-a4c87b181768","¿Cómo automatiza Spendesk la gestión de facturas electrónicas?",{"type":43,"content":3208},[3209],{"type":61,"content":3210},[3211],{"text":3212,"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":3214,"title":3215,"component":3188,"description":3216},"575fcc5f-98e4-4de6-9da8-571289f2b1a0","¿Qué beneficios aporta la factura electrónica a los equipos financieros?",{"type":43,"content":3217},[3218],{"type":61,"content":3219},[3220],{"text":3221,"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.",[3223],{"cta":3224,"_uid":3225,"title":3226,"eyebrow":3233,"subtitle":3236,"component":46,"textAlign":18,"sectionSettings":3239,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"8955e0dc-a016-495a-9c5e-7423f2db2586",{"type":43,"content":3227},[3228],{"type":46,"attrs":3229,"content":3230},{"level":916},[3231],{"text":3232,"type":52},"Factura Electronica — FAQ",{"type":43,"content":3234},[3235],{"type":61},{"type":43,"content":3237},[3238],{"type":61},[],"faqSection",[3242],{"_uid":3243,"hide":14,"theme":3244,"anchorId":18,"component":73,"spacingTop":18,"hideOnDevices":3245,"spacingBottom":18,"floatingImages":3246,"variableOverrides":3247},"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",[3257,3258,3259],{"path":3255,"name":17,"lang":123,"published":17},{"path":3255,"name":17,"lang":125,"published":17},{"path":3255,"name":17,"lang":118,"published":17},{"name":3261,"created_at":3262,"published_at":3263,"updated_at":3264,"id":3265,"uuid":1512,"content":3266,"slug":4144,"full_slug":4145,"sort_by_date":17,"position":4146,"tag_list":4147,"is_startpage":14,"parent_id":1381,"meta_data":17,"group_id":4148,"first_published_at":4149,"release_id":17,"lang":118,"path":17,"alternates":4150,"default_full_slug":4151,"translated_slugs":4152,"_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":3267,"roles":3268,"title":3261,"author":3269,"topics":3288,"content":3297,"category":4046,"language":4055,"component":1349,"heroMedia":4056,"sidebarCta":4063,"publishedAt":4064,"readingTime":3174,"redirectUrl":18,"listingImage":4065,"metaDescription":4070,"componentsAfterTheArticle":4071},"1df84c43-3e3c-4c9e-a378-cc441dc9b3f6",[],{"name":1190,"created_at":1401,"published_at":104,"updated_at":1402,"id":1403,"uuid":1404,"content":3270,"slug":1423,"full_slug":1424,"sort_by_date":17,"position":1425,"tag_list":3282,"is_startpage":14,"parent_id":189,"meta_data":17,"group_id":1427,"first_published_at":1428,"release_id":17,"lang":118,"path":17,"alternates":3283,"default_full_slug":1430,"translated_slugs":3284,"_stopResolving":127},{"_uid":1406,"name":1190,"links":3271,"picture":3275,"lastName":1415,"component":176,"firstName":1190,"description":3276},[3272],{"tag":18,"_uid":1409,"icon":3273,"link":3274,"type":18,"label":18,"style":169,"component":170,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},{"id":162,"alt":18,"name":18,"focus":18,"title":18,"filename":163,"copyright":18,"fieldtype":19,"is_external_url":14},{"id":18,"url":1412,"linktype":167,"fieldtype":168,"cached_url":1412},{"alt":1414,"name":18,"focus":18,"title":18,"filename":1414,"copyright":18,"fieldtype":19,"is_external_url":14},{"type":43,"content":3277},[3278],{"type":61,"attrs":3279,"content":3280},{"textAlign":17},[3281],{"text":1422,"type":52},[],[],[3285,3286,3287],{"path":1430,"name":17,"lang":123,"published":17},{"path":1430,"name":17,"lang":125,"published":17},{"path":1430,"name":17,"lang":118,"published":17},[3289],{"name":1437,"created_at":1438,"published_at":104,"updated_at":1439,"id":1440,"uuid":1441,"content":3290,"slug":1444,"full_slug":1445,"sort_by_date":17,"position":1446,"tag_list":3291,"is_startpage":14,"parent_id":213,"meta_data":17,"group_id":1448,"first_published_at":1449,"release_id":17,"lang":118,"path":17,"alternates":3292,"default_full_slug":1451,"translated_slugs":3293,"_stopResolving":127},{"_uid":1443,"name":1437,"component":110},[],[],[3294,3295,3296],{"path":1451,"name":17,"lang":123,"published":17},{"path":1451,"name":17,"lang":125,"published":17},{"path":1451,"name":17,"lang":118,"published":17},{"type":43,"content":3298},[3299,3317,3334,3342,3371,3378,3416,3444,3450,3458,3479,3487,3556,3574,3582,3600,3618,3626,3633,3651,3659,3678,3706,3714,3732,3740,3758,3776,3789,3797,3815,3833,3851,3859,3877,3895,3902,3910,3917,3925,3932,3951,3959,3966,3973,3981,4015,4034,4041],{"type":61,"content":3300},[3301,3306,3312],{"text":3302,"type":52,"marks":3303},"¿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: ¿",[3304],{"type":231,"attrs":3305},{"color":1466},{"text":3307,"type":52,"marks":3308},"cómo tratar mejor la cantidad de informes de gastos",[3309,3310],{"type":284},{"type":231,"attrs":3311},{"color":1466},{"text":3313,"type":52,"marks":3314}," generados?",[3315],{"type":231,"attrs":3316},{"color":1466},{"type":61,"content":3318},[3319,3323,3329],{"text":1646,"type":52,"marks":3320},[3321],{"type":231,"attrs":3322},{"color":1466},{"text":3324,"type":52,"marks":3325},"gestión de las hojas de gastos ",[3326,3327],{"type":284},{"type":231,"attrs":3328},{"color":1466},{"text":3330,"type":52,"marks":3331},"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.",[3332],{"type":231,"attrs":3333},{"color":1466},{"type":46,"attrs":3335,"content":3336},{"level":916},[3337],{"text":3338,"type":52,"marks":3339},"¿Qué es una hoja de gastos?",[3340],{"type":231,"attrs":3341},{"color":1498},{"type":61,"content":3343},[3344,3349,3355,3360,3366],{"text":3345,"type":52,"marks":3346},"Una hoja de gastos es un documento que permite al empleado ",[3347],{"type":231,"attrs":3348},{"color":1466},{"text":3350,"type":52,"marks":3351},"justificar un gasto realizado en el contexto profesional. ",[3352,3353],{"type":284},{"type":231,"attrs":3354},{"color":1466},{"text":3356,"type":52,"marks":3357},"Con él, obtiene el",[3358],{"type":231,"attrs":3359},{"color":1466},{"text":3361,"type":52,"marks":3362}," derecho a un reembolso",[3363,3364],{"type":284},{"type":231,"attrs":3365},{"color":1466},{"text":3367,"type":52,"marks":3368}," por parte de su empleador. También se le conoce como informe o reporte de gastos.",[3369],{"type":231,"attrs":3370},{"color":1466},{"type":61,"content":3372},[3373],{"text":3374,"type":52,"marks":3375},"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: ",[3376],{"type":231,"attrs":3377},{"color":1466},{"type":286,"content":3379},[3380,3389,3398,3407],{"type":289,"content":3381},[3382],{"type":61,"content":3383},[3384],{"text":3385,"type":52,"marks":3386},"la fecha;",[3387],{"type":231,"attrs":3388},{"color":1466},{"type":289,"content":3390},[3391],{"type":61,"content":3392},[3393],{"text":3394,"type":52,"marks":3395},"el lugar;",[3396],{"type":231,"attrs":3397},{"color":1466},{"type":289,"content":3399},[3400],{"type":61,"content":3401},[3402],{"text":3403,"type":52,"marks":3404},"el motivo; ",[3405],{"type":231,"attrs":3406},{"color":1466},{"type":289,"content":3408},[3409],{"type":61,"content":3410},[3411],{"text":3412,"type":52,"marks":3413},"el importe.",[3414],{"type":231,"attrs":3415},{"color":1466},{"type":61,"content":3417},[3418,3423,3429,3434,3440],{"text":3419,"type":52,"marks":3420},"¡Pero atención! Para su reembolso todas las hojas de gastos deben ir acompañadas de ",[3421],{"type":231,"attrs":3422},{"color":1466},{"text":3424,"type":52,"marks":3425},"un justificante de pago",[3426,3427],{"type":284},{"type":231,"attrs":3428},{"color":1466},{"text":3430,"type":52,"marks":3431},". Es decir, un recibo, un ticket de venta o una factura con la mención \"pagado\". Es fundamental insistir a los empleados en ",[3432],{"type":231,"attrs":3433},{"color":1466},{"text":3435,"type":52,"marks":3436},"reclamar el justificante de cada gasto",[3437,3438],{"type":284},{"type":231,"attrs":3439},{"color":1466},{"text":1596,"type":52,"marks":3441},[3442],{"type":231,"attrs":3443},{"color":1466},{"type":330,"attrs":3445},{"id":3446,"body":3447},"b62debc4-37cd-4884-8541-51be8508c391",[3448],{"_uid":3449,"html":1554,"component":1555},"i-0b30524d-7b8e-4b03-8353-b5a2acaa58a3",{"type":46,"attrs":3451,"content":3452},{"level":916},[3453],{"text":3454,"type":52,"marks":3455},"¿Qué tipos de gastos pueden reembolsarse?",[3456],{"type":231,"attrs":3457},{"color":1498},{"type":61,"content":3459},[3460,3465,3474],{"text":3461,"type":52,"marks":3462},"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 ",[3463],{"type":231,"attrs":3464},{"color":1466},{"text":3466,"type":52,"marks":3467},"viajes de negocio",[3468,3472],{"type":246,"attrs":3469},{"href":3470,"uuid":3471,"anchor":17,"target":1163,"linktype":1164},"/es/blog/gastos-de-viaje","7bf347c3-538b-4700-b32c-6f96e9e96d2b",{"type":231,"attrs":3473},{"color":1466},{"text":3475,"type":52,"marks":3476},". Pero el empresario puede estar obligado a cubrir otros. Por ejemplo, los ligados al teletrabajo o la compra de material.",[3477],{"type":231,"attrs":3478},{"color":1466},{"type":46,"attrs":3480,"content":3481},{"level":346},[3482],{"text":3483,"type":52,"marks":3484},"Los gastos de viaje por un desplazamiento profesional",[3485],{"type":231,"attrs":3486},{"color":1564},{"type":61,"content":3488},[3489,3494,3503,3508,3514,3519,3526,3531,3540,3545,3551],{"text":3490,"type":52,"marks":3491},"En un ",[3492],{"type":231,"attrs":3493},{"color":1466},{"text":3495,"type":52,"marks":3496},"viaje profesional",[3497,3501],{"type":246,"attrs":3498},{"href":3499,"uuid":3500,"anchor":17,"target":1163,"linktype":1164},"/es/blog/viaje-de-empresa","b9f7e8bc-9d63-43c3-91c0-a4e1d0971bef",{"type":231,"attrs":3502},{"color":1466},{"text":3504,"type":52,"marks":3505},", los costes están cubiertos. El avión, el tren, el alquiler de coches, combustible, peajes y mantenimiento son ",[3506],{"type":231,"attrs":3507},{"color":1466},{"text":3509,"type":52,"marks":3510},"gastos de viaje",[3511,3512],{"type":284},{"type":231,"attrs":3513},{"color":1466},{"text":3515,"type":52,"marks":3516}," reembolsables. Si el empleado utiliza su propio coche, también ",[3517],{"type":231,"attrs":3518},{"color":1466},{"text":3520,"type":52,"marks":3521},"recibirá dietas",[3522,3524],{"type":246,"attrs":3523},{"href":2064,"uuid":2065,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":3525},{"color":1466},{"text":3527,"type":52,"marks":3528}," por ",[3529],{"type":231,"attrs":3530},{"color":1466},{"text":3532,"type":52,"marks":3533},"kilometraje",[3534,3538],{"type":246,"attrs":3535},{"href":3536,"uuid":3537,"anchor":17,"target":1163,"linktype":1164},"/blog/gastos-kilometraje","5653abdb-82cc-47a6-897a-bcb1131a1b6a",{"type":231,"attrs":3539},{"color":1466},{"text":3541,"type":52,"marks":3542},". Ahora bien, solo es obligatorio el reembolso si el desplazamiento es a ",[3543],{"type":231,"attrs":3544},{"color":1466},{"text":3546,"type":52,"marks":3547},"más de 50 kilómetros del domicilio del trabajador",[3548,3549],{"type":284},{"type":231,"attrs":3550},{"color":1466},{"text":3552,"type":52,"marks":3553},". También  importa que el trayecto de ida no pueda realizarse en menos de una hora y media en transporte público.",[3554],{"type":231,"attrs":3555},{"color":1466},{"type":61,"content":3557},[3558,3563,3569],{"text":3559,"type":52,"marks":3560},"Igual que el resto del viaje, los ",[3561],{"type":231,"attrs":3562},{"color":1466},{"text":3564,"type":52,"marks":3565},"gastos de alojamiento",[3566,3567],{"type":284},{"type":231,"attrs":3568},{"color":1466},{"text":3570,"type":52,"marks":3571}," 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.",[3572],{"type":231,"attrs":3573},{"color":1466},{"type":46,"attrs":3575,"content":3576},{"level":346},[3577],{"text":3578,"type":52,"marks":3579},"Los gastos de comida en viajes o reuniones",[3580],{"type":231,"attrs":3581},{"color":1564},{"type":61,"content":3583},[3584,3589,3595],{"text":3585,"type":52,"marks":3586},"La empresa debe cubrir al 100% los ",[3587],{"type":231,"attrs":3588},{"color":1466},{"text":3590,"type":52,"marks":3591},"gastos de comida",[3592,3593],{"type":284},{"type":231,"attrs":3594},{"color":1466},{"text":3596,"type":52,"marks":3597},". 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. ",[3598],{"type":231,"attrs":3599},{"color":1466},{"type":61,"content":3601},[3602,3607,3613],{"text":3603,"type":52,"marks":3604},"Antes era habitual que la empresa ",[3605],{"type":231,"attrs":3606},{"color":1466},{"text":3608,"type":52,"marks":3609},"estimase una cantidad fija como dietas de comida",[3610,3611],{"type":284},{"type":231,"attrs":3612},{"color":1466},{"text":3614,"type":52,"marks":3615}," 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.",[3616],{"type":231,"attrs":3617},{"color":1466},{"type":46,"attrs":3619,"content":3620},{"level":346},[3621],{"text":3622,"type":52,"marks":3623},"Un nuevo gasto que puede reembolsarse: el teletrabajo",[3624],{"type":231,"attrs":3625},{"color":1564},{"type":61,"content":3627},[3628],{"text":3629,"type":52,"marks":3630},"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.",[3631],{"type":231,"attrs":3632},{"color":1466},{"type":61,"content":3634},[3635,3640,3646],{"text":3636,"type":52,"marks":3637},"Claro que para el trabajador esta organización supone un gasto: en electricidad, equipamiento… En este caso, ",[3638],{"type":231,"attrs":3639},{"color":1466},{"text":3641,"type":52,"marks":3642},"la ley exige cubrir parte de los costos de teletrabajo del empleado",[3643,3644],{"type":284},{"type":231,"attrs":3645},{"color":1466},{"text":3647,"type":52,"marks":3648},". Entran aquí, por ejemplo, un porcentaje del alquiler o del precio del paquete de internet y la telefonía.",[3649],{"type":231,"attrs":3650},{"color":1466},{"type":46,"attrs":3652,"content":3653},{"level":346},[3654],{"text":3655,"type":52,"marks":3656},"Otros gastos que pueden reclamarse: ropa, material…",[3657],{"type":231,"attrs":3658},{"color":1564},{"type":61,"content":3660},[3661,3666,3673],{"text":3662,"type":52,"marks":3663},"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 ",[3664],{"type":231,"attrs":3665},{"color":1466},{"text":3667,"type":52,"marks":3668},"las herramientas",[3669,3671],{"type":246,"attrs":3670},{"href":1525,"uuid":1526,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":3672},{"color":1466},{"text":3674,"type":52,"marks":3675}," y su propia ropa de trabajo, o el material de seguridad.",[3676],{"type":231,"attrs":3677},{"color":1466},{"type":61,"content":3679},[3680,3685,3691,3696,3702],{"text":3681,"type":52,"marks":3682},"En otras compañías, se pueden necesitar ",[3683],{"type":231,"attrs":3684},{"color":1466},{"text":3686,"type":52,"marks":3687},"suscripciones a herramientas saas o de marketing",[3688,3689],{"type":284},{"type":231,"attrs":3690},{"color":1466},{"text":3692,"type":52,"marks":3693},", equipos especiales…  Presentando el justificante y la factura en el informe de gastos, todas ",[3694],{"type":231,"attrs":3695},{"color":1466},{"text":3697,"type":52,"marks":3698},"estas compras deben reembolsarse",[3699,3700],{"type":284},{"type":231,"attrs":3701},{"color":1466},{"text":1850,"type":52,"marks":3703},[3704],{"type":231,"attrs":3705},{"color":1466},{"type":46,"attrs":3707,"content":3708},{"level":916},[3709],{"text":3710,"type":52,"marks":3711},"¿Qué hay que tener en cuenta al tramitar los informes de gastos?",[3712],{"type":231,"attrs":3713},{"color":1498},{"type":61,"content":3715},[3716,3721,3727],{"text":3717,"type":52,"marks":3718},"Empleador y empleado tienen unas obligaciones. Hay que guardar todas las facturas, los tickets y los comprobantes de compra. Sin ellos, la reclamación",[3719],{"type":231,"attrs":3720},{"color":1466},{"text":3722,"type":52,"marks":3723}," de los gastos no es posible",[3724,3725],{"type":284},{"type":231,"attrs":3726},{"color":1466},{"text":3728,"type":52,"marks":3729},". Y claro, el tiempo para ser reembolsado también es importante.",[3730],{"type":231,"attrs":3731},{"color":1466},{"type":46,"attrs":3733,"content":3734},{"level":346},[3735],{"text":3736,"type":52,"marks":3737},"Sin el justificante del gasto, no hay reembolso",[3738],{"type":231,"attrs":3739},{"color":1564},{"type":61,"content":3741},[3742,3747,3753],{"text":3743,"type":52,"marks":3744},"Los ",[3745],{"type":231,"attrs":3746},{"color":1466},{"text":3748,"type":52,"marks":3749},"justificantes de gastos son una fuente de frustración",[3750,3751],{"type":284},{"type":231,"attrs":3752},{"color":1466},{"text":3754,"type":52,"marks":3755}," 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.",[3756],{"type":231,"attrs":3757},{"color":1466},{"type":61,"content":3759},[3760,3765,3771],{"text":3761,"type":52,"marks":3762},"Pero la ley es muy clara: toda hoja o ",[3763],{"type":231,"attrs":3764},{"color":1466},{"text":3766,"type":52,"marks":3767},"reporte de gastos injustificado no puede reembolsarse",[3768,3769],{"type":284},{"type":231,"attrs":3770},{"color":1466},{"text":3772,"type":52,"marks":3773},". De lo contrario, puede considerarse “pago en especie”. Con expedientes de gastos no justificados, el departamento de contabilidad no puede cerrar el balance.",[3774],{"type":231,"attrs":3775},{"color":1466},{"type":61,"content":3777},[3778,3784],{"text":3779,"type":52,"marks":3780},"Muchos empleados renuncian al reembolso",[3781,3782],{"type":284},{"type":231,"attrs":3783},{"color":1466},{"text":3785,"type":52,"marks":3786}," 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.",[3787],{"type":231,"attrs":3788},{"color":1466},{"type":46,"attrs":3790,"content":3791},{"level":346},[3792],{"text":3793,"type":52,"marks":3794},"Plazos de reembolso diferentes",[3795],{"type":231,"attrs":3796},{"color":1564},{"type":61,"content":3798},[3799,3804,3810],{"text":3800,"type":52,"marks":3801},"Según la ley, el reembolso de los gastos profesionales está sujeto al ",[3802],{"type":231,"attrs":3803},{"color":1466},{"text":3805,"type":52,"marks":3806},"plazo de prescripción de cinco años",[3807,3808],{"type":284},{"type":231,"attrs":3809},{"color":1466},{"text":3811,"type":52,"marks":3812},". Por tanto, en teoría, cada empleado puede reclamar y ser reembolsado en este plazo máximo.",[3813],{"type":231,"attrs":3814},{"color":1466},{"type":61,"content":3816},[3817,3822,3828],{"text":3818,"type":52,"marks":3819},"No obstante, el empleador ",[3820],{"type":231,"attrs":3821},{"color":1466},{"text":3823,"type":52,"marks":3824},"puede imponer un plazo más corto",[3825,3826],{"type":284},{"type":231,"attrs":3827},{"color":1466},{"text":3829,"type":52,"marks":3830},". Sólo tiene una obligación: reflejarlo en el convenio colectivo o en su política de gestión de los gastos profesionales. ",[3831],{"type":231,"attrs":3832},{"color":1466},{"type":61,"content":3834},[3835,3840,3846],{"text":3836,"type":52,"marks":3837},"Una vez presentados los justificantes, el plazo medio para ",[3838],{"type":231,"attrs":3839},{"color":1466},{"text":3841,"type":52,"marks":3842},"obtener el reembolso es de un mes",[3843,3844],{"type":284},{"type":231,"attrs":3845},{"color":1466},{"text":3847,"type":52,"marks":3848},". En una empresa pequeña puede ser menor. En una grande, el paso por distintos departamentos y etapas hace que el tiempo sea mayor.",[3849],{"type":231,"attrs":3850},{"color":1466},{"type":46,"attrs":3852,"content":3853},{"level":346},[3854],{"text":3855,"type":52,"marks":3856},"La recuperación del IVA en las hojas de gastos",[3857],{"type":231,"attrs":3858},{"color":1564},{"type":61,"content":3860},[3861,3866,3872],{"text":3862,"type":52,"marks":3863},"El IVA sobre los informes de gastos es un",[3864],{"type":231,"attrs":3865},{"color":1466},{"text":3867,"type":52,"marks":3868}," \"IVA deducible\"",[3869,3870],{"type":284},{"type":231,"attrs":3871},{"color":1466},{"text":3873,"type":52,"marks":3874},". 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. ",[3875],{"type":231,"attrs":3876},{"color":1466},{"type":61,"content":3878},[3879,3884,3890],{"text":3880,"type":52,"marks":3881},"Se puede recuperar en ",[3882],{"type":231,"attrs":3883},{"color":1466},{"text":3885,"type":52,"marks":3886},"todo tipo de comidas y desplazamientos",[3887,3888],{"type":284},{"type":231,"attrs":3889},{"color":1466},{"text":3891,"type":52,"marks":3892},". No obstante, las noches de hotel que pueden recuperarse son las de los clientes y proveedores, pero no las de directivos y empleados.",[3893],{"type":231,"attrs":3894},{"color":1466},{"type":61,"content":3896},[3897],{"text":3898,"type":52,"marks":3899},"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.",[3900],{"type":231,"attrs":3901},{"color":1466},{"type":46,"attrs":3903,"content":3904},{"level":916},[3905],{"text":3906,"type":52,"marks":3907},"¿Cuáles son los inconvenientes de los reportes de gastos?",[3908],{"type":231,"attrs":3909},{"color":1498},{"type":61,"content":3911},[3912],{"text":3913,"type":52,"marks":3914},"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.",[3915],{"type":231,"attrs":3916},{"color":1466},{"type":46,"attrs":3918,"content":3919},{"level":346},[3920],{"text":3921,"type":52,"marks":3922},"El fraude en las hojas de gastos",[3923],{"type":231,"attrs":3924},{"color":1564},{"type":61,"content":3926},[3927],{"text":3928,"type":52,"marks":3929},"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. ",[3930],{"type":231,"attrs":3931},{"color":1466},{"type":61,"content":3933},[3934,3939,3946],{"text":3935,"type":52,"marks":3936},"Hoy existen métodos eficaces para luchar contra este fraude. Principalmente, ",[3937],{"type":231,"attrs":3938},{"color":1466},{"text":3940,"type":52,"marks":3941},"la digitalización en el control de gasto",[3942,3944],{"type":246,"attrs":3943},{"href":2129,"uuid":2130,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":3945},{"color":1466},{"text":3947,"type":52,"marks":3948},". 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.",[3949],{"type":231,"attrs":3950},{"color":1466},{"type":46,"attrs":3952,"content":3953},{"level":346},[3954],{"text":3955,"type":52,"marks":3956},"Un precio importante para las compañías y el empleado",[3957],{"type":231,"attrs":3958},{"color":1564},{"type":61,"content":3960},[3961],{"text":3962,"type":52,"marks":3963},"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.",[3964],{"type":231,"attrs":3965},{"color":1466},{"type":61,"content":3967},[3968],{"text":3969,"type":52,"marks":3970},"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. ",[3971],{"type":231,"attrs":3972},{"color":1466},{"type":46,"attrs":3974,"content":3975},{"level":916},[3976],{"text":3977,"type":52,"marks":3978},"¿Cómo optimizar la gestión de los informes de gastos?",[3979],{"type":231,"attrs":3980},{"color":1498},{"type":61,"content":3982},[3983,3988,3997,4002,4010],{"text":3984,"type":52,"marks":3985},"La digitalización va a marcar la diferencia. Spendesk ofrece la posibilidad ",[3986],{"type":231,"attrs":3987},{"color":1466},{"text":3989,"type":52,"marks":3990},"de desmaterializar los informes de gastos",[3991,3994,3996],{"type":246,"attrs":3992},{"href":3993,"uuid":17,"anchor":17,"target":17,"linktype":167},"https://www.spendesk.com/es/product/expense-reimbursements/",{"type":231,"attrs":3995},{"color":2213},{"type":253},{"text":3998,"type":52,"marks":3999},". Igualmente, permite asignar tarjetas de pago modernas y conectadas. ¡Los empleados ya no tendrán que llevar consigo ",[4000],{"type":231,"attrs":4001},{"color":1466},{"text":4003,"type":52,"marks":4004},"los recibos",[4005,4008],{"type":246,"attrs":4006},{"href":4007,"uuid":1708,"anchor":17,"target":1163,"linktype":1164},"/blog/recibo-digital",{"type":231,"attrs":4009},{"color":1466},{"text":4011,"type":52,"marks":4012}," ni compartir la tarjeta bancaria de la empresa!",[4013],{"type":231,"attrs":4014},{"color":1466},{"type":61,"content":4016},[4017,4022,4029],{"text":4018,"type":52,"marks":4019},"Además, la plataforma permite el seguimiento de las transacciones en tiempo real. Los empleados son más autónomos y el departamento financiero tiene el ",[4020],{"type":231,"attrs":4021},{"color":1466},{"text":4023,"type":52,"marks":4024},"control total de los gastos",[4025,4027],{"type":246,"attrs":4026},{"href":1819,"uuid":1820,"anchor":17,"target":1163,"linktype":1164},{"type":231,"attrs":4028},{"color":1466},{"text":4030,"type":52,"marks":4031},". Al contar con datos exactos y precisos, se podrán tomar las decisiones correctas.",[4032],{"type":231,"attrs":4033},{"color":1466},{"type":61,"content":4035},[4036],{"text":4037,"type":52,"marks":4038},"Un software de gestión de gastos empresariales como Spendesk es un verdadero activo para toda la empresa. ¡Ahorra tiempo y dinero! ¡No esperes para transformar el rendimiento de tu empresa con Spendesk!",[4039],{"type":231,"attrs":4040},{"color":1466},{"type":330,"attrs":4042},{"id":3446,"body":4043},[4044],{"_uid":4045,"html":1554,"component":1555},"i-c04ed84b-f2d2-4ac1-90e0-bf75cab41f8d",{"name":1337,"created_at":1338,"published_at":104,"updated_at":1339,"id":1340,"uuid":1341,"content":4047,"slug":1349,"full_slug":1350,"sort_by_date":17,"position":138,"tag_list":4049,"is_startpage":14,"parent_id":1352,"meta_data":17,"group_id":1353,"first_published_at":1354,"release_id":17,"lang":118,"path":17,"alternates":4050,"default_full_slug":1356,"translated_slugs":4051,"_stopResolving":127},{"_uid":1343,"icon":4048,"name":1337,"component":1348},{"id":1345,"alt":1346,"name":18,"focus":18,"title":18,"filename":1347,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[4052,4053,4054],{"path":1356,"name":17,"lang":123,"published":17},{"path":1356,"name":17,"lang":125,"published":17},{"path":1356,"name":17,"lang":118,"published":17},[118],[4057],{"_uid":4058,"type":18,"asset":4059,"shadow":14,"caption":18,"overlay":4062,"component":343},"b5a3274e-020f-48ac-ac28-437b70af9fe9",{"id":4060,"alt":18,"name":18,"focus":18,"title":18,"filename":4061,"copyright":18,"fieldtype":19,"is_external_url":14},8027434,"https://a.storyblok.com/f/146026/1190x670/cbc3c23be7/hojas-de-gastos.webp",[],[],"2023-04-20 00:00",[4066],{"_uid":4067,"type":18,"asset":4068,"shadow":14,"caption":18,"overlay":4069,"component":343},"03113313-96a7-4934-9055-c7c16c4aa629",{"id":4060,"alt":18,"name":18,"focus":18,"title":18,"filename":4061,"copyright":18,"fieldtype":19,"is_external_url":14},[],"¿Se te acumulan las hojas de gastos de tus empleados? Aprende cómo tratar los informes de la mejor manera y digitalizar el proceso para facilitar la gestión.",[4072],{"_uid":4073,"items":4074,"heading":4120,"reverse":14,"component":3240,"sectionSettings":4138},"71c833d0-b8ad-4456-96fd-bec2270ed3b4",[4075,4084,4093,4102,4111],{"_uid":4076,"title":4077,"component":3188,"description":4078},"35c406d5-1058-47a6-a90d-5b01a81b7c3d","¿Qué es la gestión del gasto?",{"type":43,"content":4079},[4080],{"type":61,"content":4081},[4082],{"text":4083,"type":52},"La gestión del gasto es el proceso por el que las empresas controlan, aprueban y registran todos los pagos operativos y discrecionales. Spendesk centraliza recibos, automatiza la conciliación contable y ofrece tarjetas físicas y virtuales con límites y flujos de aprobación personalizados, lo que da visibilidad en tiempo real y reduce errores manuales en la contabilidad.",{"_uid":4085,"title":4086,"component":3188,"description":4087},"91720da1-2839-4d7c-b4fb-acd228934fb9","¿Cómo funciona Spendesk?",{"type":43,"content":4088},[4089],{"type":61,"content":4090},[4091],{"text":4092,"type":52},"Spendesk centraliza los pagos empresariales y automatiza la gestión de gastos mediante tarjetas físicas y virtuales, solicitudes de fondos y captura de recibos desde la app. Los administradores configuran límites y flujos de aprobación, el equipo financiero valida y exporta gastos con conciliación automática a herramientas contables, lo que elimina reembolsos manuales y mejora la trazabilidad del gasto.",{"_uid":4094,"title":4095,"component":3188,"description":4096},"69d71591-dc52-4736-ab38-2dc8275ae133","¿Cómo integra Spendesk los gastos con mi software de contabilidad?",{"type":43,"content":4097},[4098],{"type":61,"content":4099},[4100],{"text":4101,"type":52},"Spendesk sincroniza los gastos y facturas con el software contable mediante integraciones nativas y exportaciones CSV. La plataforma permite mapear códigos contables y tipos de IVA, adjuntar recibos y exportar transacciones conciliadas, lo que acelera la contabilidad mensual y elimina la entrada manual de asientos.",{"_uid":4103,"title":4104,"component":3188,"description":4105},"04bd71b1-2f0c-4502-9061-9671b1b4c7ae","¿Cómo me permite Spendesk controlar presupuestos y aprobaciones?",{"type":43,"content":4106},[4107],{"type":61,"content":4108},[4109],{"text":4110,"type":52},"Spendesk permite crear presupuestos por departamento, proyecto o centro de coste y configura reglas de aprobación automáticas con límites por usuario o tarjeta. Los gestores reciben solicitudes en la app y pueden aprobar o rechazar en tiempo real, lo que evita exceder presupuestos y mejora la gobernanza financiera.",{"_uid":4112,"title":4113,"component":3188,"description":4114},"bc6bbd06-41a0-4938-b4b9-7ff12a146bed","¿Qué tipos de pagos y tarjetas admite Spendesk?",{"type":43,"content":4115},[4116],{"type":61,"content":4117},[4118],{"text":4119,"type":52},"Spendesk admite tarjetas físicas y virtuales, tarjetas de débito por empleado y métodos para pagos con factura y reembolsos. Las tarjetas virtuales permiten compras online con límites por transacción y las tarjetas físicas cubren gastos presenciales, ofreciendo control por tarjeta y visibilidad por titular en tiempo real.",[4121],{"cta":4122,"_uid":4123,"title":4124,"eyebrow":4131,"subtitle":4134,"component":46,"textAlign":18,"sectionSettings":4137,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"24c5dbe0-3145-47d4-b4ff-5d10fc6730c8",{"type":43,"content":4125},[4126],{"type":46,"attrs":4127,"content":4128},{"level":916},[4129],{"text":4130,"type":52},"FAQ",{"type":43,"content":4132},[4133],{"type":61},{"type":43,"content":4135},[4136],{"type":61},[],[4139],{"_uid":4140,"hide":14,"theme":3244,"anchorId":18,"component":73,"spacingTop":18,"hideOnDevices":4141,"spacingBottom":18,"floatingImages":4142,"variableOverrides":4143},"65eb9ff2-b084-4fdb-82de-2e7928027d44",[],[],[],"hojas-de-gastos","es/blog/hojas-de-gastos",910,[],"a08a541e-cd50-47ab-a37d-e3c7b78a93ba","2023-04-20T10:23:14.103Z",[],"blog/hojas-de-gastos",[4153,4154,4155],{"path":4151,"name":17,"lang":123,"published":17},{"path":4151,"name":17,"lang":125,"published":17},{"path":4151,"name":17,"lang":118,"published":17},{"name":4157,"created_at":4158,"published_at":104,"updated_at":4159,"id":4160,"uuid":1613,"content":4161,"slug":4879,"full_slug":4880,"sort_by_date":17,"position":4881,"tag_list":4882,"is_startpage":14,"parent_id":1381,"meta_data":17,"group_id":4883,"first_published_at":4884,"release_id":17,"lang":118,"path":17,"alternates":4885,"default_full_slug":4886,"translated_slugs":4887,"_stopResolving":127},"Qué son los costes directos e indirectos y cómo diferenciarlos","2023-04-19T11:13:29.849Z","2026-03-12T10:47:54.881Z",294608358,{"_uid":4162,"roles":4163,"title":4157,"author":4164,"topics":4208,"content":4217,"category":4851,"language":4860,"component":1349,"heroMedia":4861,"sidebarCta":4869,"publishedAt":3173,"readingTime":4870,"redirectUrl":18,"listingImage":4871,"metaDescription":4878},"23e7d630-3944-4fd4-ac75-46132ce0b887",[],{"name":4165,"created_at":4166,"published_at":104,"updated_at":4167,"id":4168,"uuid":4169,"content":4170,"slug":4196,"full_slug":4197,"sort_by_date":17,"position":4198,"tag_list":4199,"is_startpage":14,"parent_id":189,"meta_data":17,"group_id":4200,"first_published_at":4201,"release_id":17,"lang":118,"path":17,"alternates":4202,"default_full_slug":4203,"translated_slugs":4204,"_stopResolving":127},"Javier Barciela","2023-06-23T14:31:12.373Z","2026-03-12T10:47:57.404Z",329885448,"8a166f7c-e71a-46e7-9e19-36ae2c97a642",{"_uid":4171,"links":4172,"picture":4180,"lastName":4184,"component":176,"firstName":4185,"description":4186},"67f598cd-631a-4a13-9513-01c15d1f33c6",[4173],{"tag":18,"_uid":4174,"hide":14,"icon":4175,"link":4177,"type":18,"label":4179,"style":169,"component":170,"onClickEvent":18,"openInANewTab":14,"horizontalFill":14},"8a927a8e-026a-43a0-8eb0-9891326c0608",{"id":162,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":163,"copyright":18,"fieldtype":19,"meta_data":4176,"is_external_url":14},{},{"id":18,"url":4178,"linktype":167,"fieldtype":168,"cached_url":4178},"https://www.linkedin.com/in/javier-barciela-aranda/","LinkedIn",{"id":4181,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":4182,"copyright":18,"fieldtype":19,"meta_data":4183,"is_external_url":14},10002878,"https://a.storyblok.com/f/146026/150x150/b89294ea2c/javier-barciela.png",{},"Barciela","Javier",{"type":43,"content":4187},[4188],{"type":61,"content":4189},[4190],{"text":4191,"type":52,"marks":4192},"Periodista de formación inicial, luego estudié Documentación y Archivos. Dos pasiones que considero íntimamente ligadas y con una cosa en común: el deseo de aprender. Basado en París desde hace ya casi una década,y tras trabajar en una biblioteca internacional y una start-up, llegué a la redacción web como un paso natural.",[4193],{"type":231,"attrs":4194},{"color":4195},"rgba(0, 0, 0, 0.9)","javier-barciela","es/blog/author/javier-barciela",-1110,[],"5c8f1041-5064-4aaa-a060-34cbf538183c","2023-06-23T14:34:04.572Z",[],"blog/author/javier-barciela",[4205,4206,4207],{"path":4203,"name":17,"lang":123,"published":17},{"path":4203,"name":17,"lang":125,"published":17},{"path":4203,"name":17,"lang":118,"published":17},[4209],{"name":1437,"created_at":1438,"published_at":104,"updated_at":1439,"id":1440,"uuid":1441,"content":4210,"slug":1444,"full_slug":1445,"sort_by_date":17,"position":1446,"tag_list":4211,"is_startpage":14,"parent_id":213,"meta_data":17,"group_id":1448,"first_published_at":1449,"release_id":17,"lang":118,"path":17,"alternates":4212,"default_full_slug":1451,"translated_slugs":4213,"_stopResolving":127},{"_uid":1443,"name":1437,"component":110},[],[],[4214,4215,4216],{"path":1451,"name":17,"lang":123,"published":17},{"path":1451,"name":17,"lang":125,"published":17},{"path":1451,"name":17,"lang":118,"published":17},{"type":43,"content":4218},[4219,4250,4259,4266,4273,4282,4300,4318,4336,4345,4363,4381,4399,4408,4451,4469,4478,4515,4524,4541,4636,4645,4663,4746,4755,4795,4813,4846],{"type":61,"content":4220},[4221,4226,4234,4239,4245],{"text":4222,"type":52,"marks":4223},"Salarios, material, viajes… En la contabilidad no sólo se registran los beneficios, sino también ",[4224],{"type":231,"attrs":4225},{"color":1466},{"text":4227,"type":52,"marks":4228},"los gastos",[4229,4232],{"type":246,"attrs":4230},{"href":4231,"uuid":1395,"anchor":17,"target":1163,"linktype":1164},"/es/blog/gestion-de-gastos",{"type":231,"attrs":4233},{"color":1466},{"text":4235,"type":52,"marks":4236},". Y resulta que éstos suelen ser muchos. Para tener una mejor visibilidad sobre ellos, pueden dividirse en ",[4237],{"type":231,"attrs":4238},{"color":1466},{"text":4240,"type":52,"marks":4241},"costes directos e indirectos",[4242,4243],{"type":284},{"type":231,"attrs":4244},{"color":1466},{"text":4246,"type":52,"marks":4247},". Es bueno conocer qué los diferencian porque con su identificación y análisis sabrás el beneficio real de tu empresa.",[4248],{"type":231,"attrs":4249},{"color":1466},{"type":46,"attrs":4251,"content":4252},{"level":916},[4253],{"text":4254,"type":52,"marks":4255},"Costes directos y costes indirectos: definición y diferencias",[4256,4257],{"type":284},{"type":231,"attrs":4258},{"color":1498},{"type":61,"content":4260},[4261],{"text":4262,"type":52,"marks":4263},"La mayoría de los gastos de una empresa se dividen en dos categorías: costes directos o indirectos. Básicamente, los directos están relacionados con el producto o servicio que ofrece la empresa. Los indirectos son todos los demás. ",[4264],{"type":231,"attrs":4265},{"color":1466},{"type":330,"attrs":4267},{"id":4268,"body":4269},"80c5b6ae-4622-49bb-be50-9d199a64456c",[4270],{"_uid":4271,"html":4272,"component":1555},"i-3a3055c9-4fce-4c89-9d63-bccd8cdebbb0","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\u003Cspan class=\"hs-cta-node hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\" id=\"hs-cta-c964f302-2ac1-498f-9d70-d18c4caad6a8\">\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/c964f302-2ac1-498f-9d70-d18c4caad6a8\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c964f302-2ac1-498f-9d70-d18c4caad6a8\" style=\"border-width:0px;\" height=\"400\" width=\"1198\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c964f302-2ac1-498f-9d70-d18c4caad6a8.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, 'c964f302-2ac1-498f-9d70-d18c4caad6a8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":46,"attrs":4274,"content":4275},{"level":346},[4276],{"text":4277,"type":52,"marks":4278},"¿Cuáles son los costes directos de tu empresa?",[4279,4280],{"type":284},{"type":231,"attrs":4281},{"color":1564},{"type":61,"content":4283},[4284,4289,4295],{"text":4285,"type":52,"marks":4286},"Una definición simple de coste directo: son los ",[4287],{"type":231,"attrs":4288},{"color":1466},{"text":4290,"type":52,"marks":4291},"gastos necesarios para la fabricación del producto o servicio",[4292,4293],{"type":284},{"type":231,"attrs":4294},{"color":1466},{"text":4296,"type":52,"marks":4297}," del negocio. Inciden directamente en la producción y la fijación de su precio. Se trata de materias primas, los salarios, transporte, el alojamiento web, piezas, hardware, etc.",[4298],{"type":231,"attrs":4299},{"color":1466},{"type":61,"content":4301},[4302,4307,4313],{"text":4303,"type":52,"marks":4304},"Por tanto, estos ",[4305],{"type":231,"attrs":4306},{"color":1466},{"text":4308,"type":52,"marks":4309},"gastos son necesarios y obligados",[4310,4311],{"type":284},{"type":231,"attrs":4312},{"color":1466},{"text":4314,"type":52,"marks":4315},". Imposible no tenerlos en cuenta en tu contabilidad. Su análisis permite fijar el precio del producto o servicio que se vende. Pero los costes directos no solo pueden asignarse al producto acabado, sino también a un departamento o un cliente. Si tienen gastos fijos, permiten valorar adecuadamente el resultado de un producto o departamento concreto.",[4316],{"type":231,"attrs":4317},{"color":1466},{"type":61,"content":4319},[4320,4325,4331],{"text":4321,"type":52,"marks":4322},"Los costes directos son imputables a ",[4323],{"type":231,"attrs":4324},{"color":1466},{"text":4326,"type":52,"marks":4327},"un único elemento contable",[4328,4329],{"type":284},{"type":231,"attrs":4330},{"color":1466},{"text":4332,"type":52,"marks":4333},". Por ejemplo, un cliente, un producto, un servicio o una acción concreta. Así que aquí es fácil identificar para qué resultado se incurrió en el coste y por qué se incurrió en él.",[4334],{"type":231,"attrs":4335},{"color":1466},{"type":46,"attrs":4337,"content":4338},{"level":346},[4339],{"text":4340,"type":52,"marks":4341},"¿Qué son los gastos indirectos?",[4342,4343],{"type":284},{"type":231,"attrs":4344},{"color":1564},{"type":61,"content":4346},[4347,4352,4358],{"text":4348,"type":52,"marks":4349},"Los costes indirectos son aquellos que ",[4350],{"type":231,"attrs":4351},{"color":1466},{"text":4353,"type":52,"marks":4354},"no pueden imputarse al coste del servicio o producto",[4355,4356],{"type":284},{"type":231,"attrs":4357},{"color":1466},{"text":4359,"type":52,"marks":4360}," del negocio. Es decir, la compra de bienes y servicios que no están directamente integrados en él. Incluyen, por ejemplo, el mantenimiento, el mobiliario y los equipos informáticos, maquinaria… ",[4361],{"type":231,"attrs":4362},{"color":1466},{"type":61,"content":4364},[4365,4370,4376],{"text":4366,"type":52,"marks":4367},"También son ",[4368],{"type":231,"attrs":4369},{"color":1466},{"text":4371,"type":52,"marks":4372},"gastos necesarios para la empresa",[4373,4374],{"type":284},{"type":231,"attrs":4375},{"color":1466},{"text":4377,"type":52,"marks":4378},", aunque no incidan directamente en el producto. Son costes que mantienen la empresa en funcionamiento \"entre bastidores\". Respaldan las operaciones diarias, los procesos de equipo y los flujos de trabajo dentro de la empresa.",[4379],{"type":231,"attrs":4380},{"color":1466},{"type":61,"content":4382},[4383,4388,4394],{"text":4384,"type":52,"marks":4385},"Los costes indirectos no son obligatoriamente muchos. Una empresa podría existir sin parte de ellos. Pero no lo pasaría muy bien. Sin bienes y servicios esenciales que ayuden a los empleados y propietarios a realizar su trabajo con eficacia, una empresa tendría dificultades para crecer. Las ",[4386],{"type":231,"attrs":4387},{"color":1466},{"text":4389,"type":52,"marks":4390},"herramientas de marketing o contabilidad",[4391,4392],{"type":284},{"type":231,"attrs":4393},{"color":1466},{"text":4395,"type":52,"marks":4396}," son un buen ejemplo.",[4397],{"type":231,"attrs":4398},{"color":1466},{"type":46,"attrs":4400,"content":4401},{"level":346},[4402],{"text":4403,"type":52,"marks":4404},"Los costes variables y fijos, una última clasificación",[4405,4406],{"type":284},{"type":231,"attrs":4407},{"color":1564},{"type":61,"content":4409},[4410,4415,4421,4426,4435,4440,4446],{"text":4411,"type":52,"marks":4412},"Es corriente también clasificar los costes en variables o fijos. ",[4413],{"type":231,"attrs":4414},{"color":1466},{"text":4416,"type":52,"marks":4417},"Los costes fijos",[4418,4419],{"type":284},{"type":231,"attrs":4420},{"color":1466},{"text":4422,"type":52,"marks":4423}," se refieren a gastos cuyo importe se mantiene estable en un período de tiempo. Es decir, el alquiler y ",[4424],{"type":231,"attrs":4425},{"color":1466},{"text":4427,"type":52,"marks":4428},"las nóminas",[4429,4433],{"type":246,"attrs":4430},{"href":4431,"uuid":4432,"anchor":17,"target":1163,"linktype":1164},"/blog/software-de-nominas","69cfee60-9373-40ff-98a5-053e05e6c3c8",{"type":231,"attrs":4434},{"color":1466},{"text":4436,"type":52,"marks":4437},", entre otros. Por su parte, están los ",[4438],{"type":231,"attrs":4439},{"color":1466},{"text":4441,"type":52,"marks":4442},"costes variables",[4443,4444],{"type":284},{"type":231,"attrs":4445},{"color":1466},{"text":4447,"type":52,"marks":4448},", como compras inesperadas, horas extra y gastos salidos de otros imprevistos. ",[4449],{"type":231,"attrs":4450},{"color":1466},{"type":61,"content":4452},[4453,4458,4464],{"text":4454,"type":52,"marks":4455},"Normalmente, los costes directos son variables, mientras que los indirectos suelen ser fijos o periódicos. Pero en realidad, tanto los ",[4456],{"type":231,"attrs":4457},{"color":1466},{"text":4459,"type":52,"marks":4460},"costes directos como los indirectos pueden ser fijos o variables",[4461,4462],{"type":284},{"type":231,"attrs":4463},{"color":1466},{"text":4465,"type":52,"marks":4466},". Lo importante es diferenciar los gastos entre sí. Segmentándolos, se puede desde identificar gastos superfluos o innecesarios, a seguir incrementando aquellos que nos provea de un ROI interesante. ",[4467],{"type":231,"attrs":4468},{"color":1466},{"type":46,"attrs":4470,"content":4471},{"level":916},[4472],{"text":4473,"type":52,"marks":4474},"Ejemplos de costes directos e indirectos para verlo más claro",[4475,4476],{"type":284},{"type":231,"attrs":4477},{"color":1498},{"type":61,"content":4479},[4480,4485,4491,4496,4504,4510],{"text":4481,"type":52,"marks":4482},"Desde las materias primas hasta los salarios de empleados y el ",[4483],{"type":231,"attrs":4484},{"color":1466},{"text":4486,"type":52,"marks":4487},"alquiler de oficinas, como costes directos",[4488,4489],{"type":284},{"type":231,"attrs":4490},{"color":1466},{"text":4492,"type":52,"marks":4493},". Por su parte, herramientas de software, campañas de marketing, ",[4494],{"type":231,"attrs":4495},{"color":1466},{"text":4497,"type":52,"marks":4498},"viajes o inversiones",[4499,4501,4502],{"type":246,"attrs":4500},{"href":3499,"uuid":3500,"anchor":17,"target":1163,"linktype":1164},{"type":284},{"type":231,"attrs":4503},{"color":1466},{"text":4505,"type":52,"marks":4506},", son costes indirectos",[4507,4508],{"type":284},{"type":231,"attrs":4509},{"color":1466},{"text":4511,"type":52,"marks":4512},". Veamos un ejemplo de una empresa que vende botellas de agua.",[4513],{"type":231,"attrs":4514},{"color":1466},{"type":46,"attrs":4516,"content":4517},{"level":346},[4518],{"text":4519,"type":52,"marks":4520},"Los gastos directos para establecer el precio de una botella",[4521,4522],{"type":284},{"type":231,"attrs":4523},{"color":1564},{"type":61,"content":4525},[4526,4530,4536],{"text":3743,"type":52,"marks":4527},[4528],{"type":231,"attrs":4529},{"color":1466},{"text":4531,"type":52,"marks":4532},"costes directos",[4533,4534],{"type":284},{"type":231,"attrs":4535},{"color":1466},{"text":4537,"type":52,"marks":4538}," incluyen todos los materiales y servicios que conforman la botella y repercute en su precio:",[4539],{"type":231,"attrs":4540},{"color":1466},{"type":286,"content":4542},[4543,4563,4583,4602,4617],{"type":289,"content":4544},[4545],{"type":61,"content":4546},[4547,4552,4558],{"text":4548,"type":52,"marks":4549},"La",[4550],{"type":231,"attrs":4551},{"color":1466},{"text":4553,"type":52,"marks":4554}," compra de las materias primas, ",[4555,4556],{"type":284},{"type":231,"attrs":4557},{"color":1466},{"text":4559,"type":52,"marks":4560},"como el plástico, las etiquetas o el cartón para el embalado.",[4561],{"type":231,"attrs":4562},{"color":1466},{"type":289,"content":4564},[4565],{"type":61,"content":4566},[4567,4572,4578],{"text":4568,"type":52,"marks":4569},"El",[4570],{"type":231,"attrs":4571},{"color":1466},{"text":4573,"type":52,"marks":4574}," alquiler del almacén ",[4575,4576],{"type":284},{"type":231,"attrs":4577},{"color":1466},{"text":4579,"type":52,"marks":4580},"de producción y estocaje. ",[4581],{"type":231,"attrs":4582},{"color":1466},{"type":289,"content":4584},[4585],{"type":61,"content":4586},[4587,4591,4597],{"text":4568,"type":52,"marks":4588},[4589],{"type":231,"attrs":4590},{"color":1466},{"text":4592,"type":52,"marks":4593}," gasto de personal, ",[4594,4595],{"type":284},{"type":231,"attrs":4596},{"color":1466},{"text":4598,"type":52,"marks":4599},"la mano de obra de los empleados que trabajan en su producción.",[4600],{"type":231,"attrs":4601},{"color":1466},{"type":289,"content":4603},[4604],{"type":61,"content":4605},[4606,4612],{"text":4607,"type":52,"marks":4608},"Impuestos y tasas ",[4609,4610],{"type":284},{"type":231,"attrs":4611},{"color":1466},{"text":4613,"type":52,"marks":4614},"fijas sobre el producto y su venta, como las comisiones de usar un TPV.  ",[4615],{"type":231,"attrs":4616},{"color":1466},{"type":289,"content":4618},[4619],{"type":61,"content":4620},[4621,4625,4631],{"text":4568,"type":52,"marks":4622},[4623],{"type":231,"attrs":4624},{"color":1466},{"text":4626,"type":52,"marks":4627}," transporte",[4628,4629],{"type":284},{"type":231,"attrs":4630},{"color":1466},{"text":4632,"type":52,"marks":4633}," de las materias primas y las botellas a la fábrica y al vendedor. ",[4634],{"type":231,"attrs":4635},{"color":1466},{"type":46,"attrs":4637,"content":4638},{"level":346},[4639],{"text":4640,"type":52,"marks":4641},"Los costes indirectos a los que no podrás escapar",[4642,4643],{"type":284},{"type":231,"attrs":4644},{"color":1564},{"type":61,"content":4646},[4647,4652,4658],{"text":4648,"type":52,"marks":4649},"Como ",[4650],{"type":231,"attrs":4651},{"color":1466},{"text":4653,"type":52,"marks":4654},"costes indirectos ",[4655,4656],{"type":284},{"type":231,"attrs":4657},{"color":1466},{"text":4659,"type":52,"marks":4660},"se cuentan el resto de gastos inherentes a la actividad empresarial. Benefician a toda la organización y no sólo a la botella de agua:",[4661],{"type":231,"attrs":4662},{"color":1466},{"type":286,"content":4664},[4665,4684,4699,4714,4731],{"type":289,"content":4666},[4667],{"type":61,"content":4668},[4669,4673,4679],{"text":1646,"type":52,"marks":4670},[4671],{"type":231,"attrs":4672},{"color":1466},{"text":4674,"type":52,"marks":4675},"publicidad, el marketing o el sitio web",[4676,4677],{"type":284},{"type":231,"attrs":4678},{"color":1466},{"text":4680,"type":52,"marks":4681}," que la empresa hace para darse a conocer.",[4682],{"type":231,"attrs":4683},{"color":1466},{"type":289,"content":4685},[4686],{"type":61,"content":4687},[4688,4694],{"text":4689,"type":52,"marks":4690},"Gastos por intereses de préstamos bancarios ",[4691,4692],{"type":284},{"type":231,"attrs":4693},{"color":1466},{"text":4695,"type":52,"marks":4696},"que la empresa pidió para iniciar su actividad. ",[4697],{"type":231,"attrs":4698},{"color":1466},{"type":289,"content":4700},[4701],{"type":61,"content":4702},[4703,4709],{"text":4704,"type":52,"marks":4705},"Inversiones ",[4706,4707],{"type":284},{"type":231,"attrs":4708},{"color":1466},{"text":4710,"type":52,"marks":4711},"para mejorar las instalaciones.",[4712],{"type":231,"attrs":4713},{"color":1466},{"type":289,"content":4715},[4716],{"type":61,"content":4717},[4718,4726],{"text":4719,"type":52,"marks":4720},"Gastos de viaje",[4721,4723,4724],{"type":246,"attrs":4722},{"href":3470,"uuid":3471,"anchor":17,"target":1163,"linktype":1164},{"type":284},{"type":231,"attrs":4725},{"color":1466},{"text":4727,"type":52,"marks":4728}," que los responsables han realizado para, por ejemplo, encontrar inversores.",[4729],{"type":231,"attrs":4730},{"color":1466},{"type":289,"content":4732},[4733],{"type":61,"content":4734},[4735,4741],{"text":4736,"type":52,"marks":4737},"Compra de software",[4738,4739],{"type":284},{"type":231,"attrs":4740},{"color":1466},{"text":4742,"type":52,"marks":4743}," para los departamentos de contabilidad y control de calidad. ",[4744],{"type":231,"attrs":4745},{"color":1466},{"type":46,"attrs":4747,"content":4748},{"level":916},[4749],{"text":4750,"type":52,"marks":4751},"La digitalización para controlar fácilmente la gestión de los costes",[4752,4753],{"type":284},{"type":231,"attrs":4754},{"color":1498},{"type":61,"content":4756},[4757,4762,4768,4773,4779,4784,4790],{"text":4758,"type":52,"marks":4759},"Para maximizar la ",[4760],{"type":231,"attrs":4761},{"color":1466},{"text":4763,"type":52,"marks":4764},"eficiencia operativa",[4765,4766],{"type":284},{"type":231,"attrs":4767},{"color":1466},{"text":4769,"type":52,"marks":4770},", hoy existen ",[4771],{"type":231,"attrs":4772},{"color":1466},{"text":4774,"type":52,"marks":4775},"herramientas de automatización",[4776,4777],{"type":284},{"type":231,"attrs":4778},{"color":1466},{"text":4780,"type":52,"marks":4781}," muy útiles. 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Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":6780,"title":6781,"component":3188,"description":6782},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":43,"content":6783},[6784],{"type":61,"attrs":6785,"content":6786},{"textAlign":17},[6787],{"text":6788,"type":52},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":6790,"title":6791,"component":3188,"description":6792},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":43,"content":6793},[6794],{"type":61,"attrs":6795,"content":6796},{"textAlign":17},[6797],{"text":6798,"type":52},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":6800,"title":6801,"component":3188,"description":6802},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":43,"content":6803},[6804],{"type":61,"attrs":6805,"content":6806},{"textAlign":17},[6807],{"text":6808,"type":52},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":6810,"title":6811,"component":3188,"description":6812},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":43,"content":6813},[6814],{"type":61,"attrs":6815,"content":6816},{"textAlign":17},[6817],{"text":6818,"type":52},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. 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Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":6909,"title":6910,"component":3188,"description":6911},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":43,"content":6912},[6913],{"type":61,"attrs":6914,"content":6915},{"textAlign":17},[6916],{"text":6917,"type":52},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":6919,"title":6920,"component":3188,"description":6921},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":43,"content":6922},[6923],{"type":61,"attrs":6924,"content":6925},{"textAlign":17},[6926],{"text":6927,"type":52},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":6929,"title":6930,"component":3188,"description":6931},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":43,"content":6932},[6933],{"type":61,"attrs":6934,"content":6935},{"textAlign":17},[6936],{"text":6937,"type":52},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":6939,"title":6940,"component":3188,"description":6941},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":43,"content":6942},[6943],{"type":61,"attrs":6944,"content":6945},{"textAlign":17},[6946],{"text":6947,"type":52},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":6949,"title":6950,"component":3188,"description":6951},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":43,"content":6952},[6953],{"type":61,"attrs":6954,"content":6955},{"textAlign":17},[6956],{"text":6957,"type":52},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. 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Tus empleados viajan, presentan notas de gasto y el equipo financiero tramita los pagos antes del cierre de ",[],[7041],{"_uid":7042,"items":7043,"heading":7118,"component":3240},"50fca27f-f70c-4e70-a81b-dcc944c4da52",[7044,7054,7080,7098,7108],{"_uid":7045,"title":7046,"component":3188,"description":7047},"204f4d86-1164-4a37-98c1-39fc355bcb0f","¿Cuánto son las dietas exentas de IRPF en 2026?",{"type":43,"content":7048},[7049],{"type":61,"attrs":7050,"content":7051},{"textAlign":17},[7052],{"text":7053,"type":52},"La manutención con pernocta en España queda exenta hasta 53,34 €/día. Sin pernocta, el límite es 26,67 €/día. Para desplazamientos internacionales, las cuantías son 91,35 €/día con pernocta y 48,08 €/día sin pernocta. El kilometraje con vehículo propio está exento hasta 0,26 €/km.",{"_uid":7055,"title":7056,"component":3188,"description":7057},"bcd9de8e-bfc0-4fc6-b6ea-d024c355412b","¿Está la empresa obligada a pagar kilometraje a sus empleados?",{"type":43,"content":7058},[7059],{"type":61,"attrs":7060,"content":7061},{"textAlign":17},[7062,7064,7070,7072,7078],{"text":7063,"type":52},"No existe una obligación legal general de reembolsar el kilometraje. Sin embargo, si la empresa decide compensar el uso de vehículo privado para desplazamientos laborales, los primeros ",{"text":7065,"type":52,"marks":7066},"0,26 €/km",[7067],{"type":246,"attrs":7068},{"href":7069,"uuid":17,"anchor":17,"target":6460,"linktype":167},"https://www.spendesk.com/es/blog/gastos-kilometraje/",{"text":7071,"type":52}," quedan exentos de IRPF conforme a la ",{"text":7073,"type":52,"marks":7074},"Orden HFP/792/2023",[7075],{"type":246,"attrs":7076},{"href":7077,"uuid":17,"anchor":17,"target":6460,"linktype":167},"https://www.boe.es/buscar/doc.php?id=BOE-A-2023-16461",{"text":7079,"type":52},". Cualquier importe que supere esa cuantía tributa como rendimiento del trabajo.",{"_uid":7081,"title":7082,"component":3188,"description":7083},"ba337b78-00e9-4b8f-b5ae-d204f97af0af","¿Las dietas exentas de IRPF cotizan a la Seguridad Social?",{"type":43,"content":7084},[7085],{"type":61,"attrs":7086,"content":7087},{"textAlign":17},[7088,7090,7096],{"text":7089,"type":52},"Los gastos de desplazamiento exentos de IRPF también están excluidos de la base de cotización a la Seguridad Social, siempre que cumplan los mismos requisitos de justificación y no superen los límites establecidos en el ",{"text":7091,"type":52,"marks":7092},"art. 9 del RIRPF",[7093],{"type":246,"attrs":7094},{"href":7095,"uuid":17,"anchor":17,"target":6460,"linktype":167},"https://www.iberley.es/legislacion/articulo-9-reglamento-impuesto-sobre-renta-personas-fisicas-irpf",{"text":7097,"type":52},": 53,34 €/día con pernocta en España, 26,67 €/día sin pernocta y 0,26 €/km para kilometraje.",{"_uid":7099,"title":7100,"component":3188,"description":7101},"d342da86-3ecc-4ce5-9945-9cfd5ed9f5ef","¿Qué ocurre si un empleado lleva más de nueve meses desplazado en el mismo municipio?",{"type":43,"content":7102},[7103],{"type":61,"attrs":7104,"content":7105},{"textAlign":17},[7106],{"text":7107,"type":52},"A partir del décimo mes, todas las dietas de manutención reembolsadas en ese municipio pierden la exención y tributan íntegramente como rendimiento del trabajo. El contador se reinicia únicamente si el empleado cambia de municipio de destino.",{"_uid":7109,"title":7110,"component":3188,"description":7111},"6eb0a7a4-c005-4791-a52b-02e5fb87a8aa","¿Quién debe probar las dietas ante una inspección de la AEAT?",{"type":43,"content":7112},[7113],{"type":61,"attrs":7114,"content":7115},{"textAlign":17},[7116],{"text":7117,"type":52},"La carga de la prueba recae sobre la empresa. Tu equipo financiero debe aportar los justificantes de cada desplazamiento: fechas, municipio de destino, motivo profesional y, en el caso del kilometraje, los kilómetros recorridos. La documentación debe conservarse durante un mínimo de cuatro años (plazo de prescripción tributaria). Sin ella, la AEAT puede reclasificar el reembolso como rendimiento sujeto a IRPF.",[7119],{"cta":7120,"_uid":7121,"title":7122,"eyebrow":7128,"subtitle":7133,"component":46,"textAlign":18,"flexibleSection":7138,"sectionSettings":7139,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"cbdf1585-1a7d-4707-a1a9-9eb9d2d6e7b7",{"type":43,"content":7123},[7124],{"type":46,"attrs":7125,"content":7126},{"level":916,"textAlign":17},[7127],{"text":1246,"type":52},{"type":43,"content":7129},[7130],{"type":61,"attrs":7131,"content":7132},{"textAlign":17},[],{"type":43,"content":7134},[7135],{"type":61,"attrs":7136,"content":7137},{"textAlign":17},[],[],[],"dietas-gastos-desplazamiento-2026","es/blog/dietas-gastos-desplazamiento-2026",-2080,[],"cf0ea855-ad40-4c1f-af87-f473dc388a93","2026-07-01T14:10:03.044Z",[],"blog/dietas-gastos-desplazamiento-2026",[7149,7150,7151],{"path":7147,"name":17,"lang":123,"published":17},{"path":7147,"name":17,"lang":125,"published":17},{"path":7147,"name":17,"lang":118,"published":17},{"name":7153,"created_at":7154,"published_at":7155,"updated_at":7156,"id":7157,"uuid":7158,"content":7159,"slug":7268,"full_slug":7269,"sort_by_date":17,"position":7270,"tag_list":7271,"is_startpage":14,"parent_id":1381,"meta_data":17,"group_id":7272,"first_published_at":7273,"release_id":17,"lang":118,"path":17,"alternates":7274,"default_full_slug":7275,"translated_slugs":7276},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-15T12:54:19.748Z","2026-07-15T12:54:19.813Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":7160,"title":7153,"topics":7161,"noIndex":14,"category":7170,"language":7179,"component":1349,"heroMedia":7180,"metaTitle":7181,"publishedAt":7182,"readingTime":6884,"redirectUrl":18,"listingImage":7183,"metaDescription":7190,"bottomArticleCta":7191,"componentsAfterTheArticle":7192},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[7162],{"name":2300,"created_at":2301,"published_at":104,"updated_at":2302,"id":2303,"uuid":2304,"content":7163,"slug":2306,"full_slug":2307,"sort_by_date":17,"position":1446,"tag_list":7164,"is_startpage":14,"parent_id":213,"meta_data":17,"group_id":2309,"first_published_at":1449,"release_id":17,"lang":118,"path":17,"alternates":7165,"default_full_slug":2311,"translated_slugs":7166,"_stopResolving":127},{"_uid":1443,"name":2300,"component":110},[],[],[7167,7168,7169],{"path":2311,"name":17,"lang":123,"published":17},{"path":2311,"name":17,"lang":125,"published":17},{"path":2311,"name":17,"lang":118,"published":17},{"name":1337,"created_at":1338,"published_at":104,"updated_at":1339,"id":1340,"uuid":1341,"content":7171,"slug":1349,"full_slug":1350,"sort_by_date":17,"position":138,"tag_list":7173,"is_startpage":14,"parent_id":1352,"meta_data":17,"group_id":1353,"first_published_at":1354,"release_id":17,"lang":118,"path":17,"alternates":7174,"default_full_slug":1356,"translated_slugs":7175,"_stopResolving":127},{"_uid":1343,"icon":7172,"name":1337,"component":1348},{"id":1345,"alt":1346,"name":18,"focus":18,"title":18,"filename":1347,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7176,7177,7178],{"path":1356,"name":17,"lang":123,"published":17},{"path":1356,"name":17,"lang":125,"published":17},{"path":1356,"name":17,"lang":118,"published":17},[118],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[7184],{"_uid":7185,"asset":7186,"caption":18,"component":343},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":7187,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7188,"copyright":18,"fieldtype":19,"meta_data":7189,"is_external_url":14},198316418782544,"https://a.storyblok.com/f/146026/2752x1536/2644346e19/spendesk_blog_cover_como_auditar_tu_software_verifactu_v2.jpg",{},"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[7193],{"_uid":7194,"items":7195,"heading":7246,"component":3240},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[7196,7206,7216,7226,7236],{"_uid":7197,"title":7198,"component":3188,"description":7199},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":43,"content":7200},[7201],{"type":61,"attrs":7202,"content":7203},{"textAlign":17},[7204],{"text":7205,"type":52},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":7207,"title":7208,"component":3188,"description":7209},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":43,"content":7210},[7211],{"type":61,"attrs":7212,"content":7213},{"textAlign":17},[7214],{"text":7215,"type":52},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":7217,"title":7218,"component":3188,"description":7219},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":43,"content":7220},[7221],{"type":61,"attrs":7222,"content":7223},{"textAlign":17},[7224],{"text":7225,"type":52},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":7227,"title":7228,"component":3188,"description":7229},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":43,"content":7230},[7231],{"type":61,"attrs":7232,"content":7233},{"textAlign":17},[7234],{"text":7235,"type":52},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":7237,"title":7238,"component":3188,"description":7239},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":43,"content":7240},[7241],{"type":61,"attrs":7242,"content":7243},{"textAlign":17},[7244],{"text":7245,"type":52},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[7247],{"cta":7248,"_uid":7249,"title":7250,"eyebrow":7256,"subtitle":7261,"component":46,"textAlign":18,"flexibleSection":7266,"sectionSettings":7267,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":43,"content":7251},[7252],{"type":46,"attrs":7253,"content":7254},{"level":916,"textAlign":17},[7255],{"text":1246,"type":52},{"type":43,"content":7257},[7258],{"type":61,"attrs":7259,"content":7260},{"textAlign":17},[],{"type":43,"content":7262},[7263],{"type":61,"attrs":7264,"content":7265},{"textAlign":17},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2100,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[7277,7278,7279],{"path":7275,"name":17,"lang":123,"published":17},{"path":7275,"name":17,"lang":125,"published":17},{"path":7275,"name":17,"lang":118,"published":17},{"name":7281,"created_at":7282,"published_at":7283,"updated_at":7284,"id":7285,"uuid":7286,"content":7287,"slug":7397,"full_slug":7398,"sort_by_date":17,"position":7399,"tag_list":7400,"is_startpage":14,"parent_id":1381,"meta_data":17,"group_id":7401,"first_published_at":7402,"release_id":17,"lang":118,"path":17,"alternates":7403,"default_full_slug":7404,"translated_slugs":7405},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":7288,"title":7281,"topics":7289,"noIndex":14,"category":7298,"language":7307,"component":1349,"heroMedia":7308,"metaTitle":7309,"publishedAt":7310,"readingTime":7311,"redirectUrl":18,"listingImage":7312,"metaDescription":7319,"bottomArticleCta":7320,"componentsAfterTheArticle":7321},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[7290],{"name":2300,"created_at":2301,"published_at":104,"updated_at":2302,"id":2303,"uuid":2304,"content":7291,"slug":2306,"full_slug":2307,"sort_by_date":17,"position":1446,"tag_list":7292,"is_startpage":14,"parent_id":213,"meta_data":17,"group_id":2309,"first_published_at":1449,"release_id":17,"lang":118,"path":17,"alternates":7293,"default_full_slug":2311,"translated_slugs":7294,"_stopResolving":127},{"_uid":1443,"name":2300,"component":110},[],[],[7295,7296,7297],{"path":2311,"name":17,"lang":123,"published":17},{"path":2311,"name":17,"lang":125,"published":17},{"path":2311,"name":17,"lang":118,"published":17},{"name":1337,"created_at":1338,"published_at":104,"updated_at":1339,"id":1340,"uuid":1341,"content":7299,"slug":1349,"full_slug":1350,"sort_by_date":17,"position":138,"tag_list":7301,"is_startpage":14,"parent_id":1352,"meta_data":17,"group_id":1353,"first_published_at":1354,"release_id":17,"lang":118,"path":17,"alternates":7302,"default_full_slug":1356,"translated_slugs":7303,"_stopResolving":127},{"_uid":1343,"icon":7300,"name":1337,"component":1348},{"id":1345,"alt":1346,"name":18,"focus":18,"title":18,"filename":1347,"copyright":18,"fieldtype":19,"is_external_url":14},[],[],[7304,7305,7306],{"path":1356,"name":17,"lang":123,"published":17},{"path":1356,"name":17,"lang":125,"published":17},{"path":1356,"name":17,"lang":118,"published":17},[118],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00","13",[7313],{"_uid":7314,"asset":7315,"caption":18,"component":343},"71b7f715-948b-4a24-8379-000055d9922b",{"id":7316,"alt":18,"name":18,"focus":18,"title":18,"source":18,"filename":7317,"copyright":18,"fieldtype":19,"meta_data":7318,"is_external_url":14},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[7322],{"_uid":7323,"items":7324,"heading":7375,"component":3240},"392b2cba-2459-4fae-9ca3-82a370a248fc",[7325,7335,7345,7355,7365],{"_uid":7326,"title":7327,"component":3188,"description":7328},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":43,"content":7329},[7330],{"type":61,"attrs":7331,"content":7332},{"textAlign":17},[7333],{"text":7334,"type":52},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":7336,"title":7337,"component":3188,"description":7338},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":43,"content":7339},[7340],{"type":61,"attrs":7341,"content":7342},{"textAlign":17},[7343],{"text":7344,"type":52},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":7346,"title":7347,"component":3188,"description":7348},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":43,"content":7349},[7350],{"type":61,"attrs":7351,"content":7352},{"textAlign":17},[7353],{"text":7354,"type":52},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":7356,"title":7357,"component":3188,"description":7358},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":43,"content":7359},[7360],{"type":61,"attrs":7361,"content":7362},{"textAlign":17},[7363],{"text":7364,"type":52},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":7366,"title":7367,"component":3188,"description":7368},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":43,"content":7369},[7370],{"type":61,"attrs":7371,"content":7372},{"textAlign":17},[7373],{"text":7374,"type":52},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la 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Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":7483,"title":7484,"component":3188,"description":7485},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":43,"content":7486},[7487],{"type":61,"attrs":7488,"content":7489},{"textAlign":17},[7490],{"text":7491,"type":52},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":7493,"title":7494,"component":3188,"description":7495},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":43,"content":7496},[7497],{"type":61,"attrs":7498,"content":7499},{"textAlign":17},[7500],{"text":7501,"type":52},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":7503,"title":7504,"component":3188,"description":7505},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":43,"content":7506},[7507],{"type":61,"attrs":7508,"content":7509},{"textAlign":17},[7510],{"text":7511,"type":52},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. Esto mejora la trazabilidad de cada factura y facilita la conciliación entre facturas emitidas y pagos recibidos. ---",[7513],{"cta":7514,"_uid":7515,"title":7516,"eyebrow":7522,"subtitle":7527,"component":46,"textAlign":18,"flexibleSection":7532,"sectionSettings":7533,"displaySeparator":14,"breakLineOnMobile":14,"subtitleLeftBorder":14,"customTitleFontSize":18},[],"2fdaec23-ffc9-427f-b9a7-9dc3fbe6ec59",{"type":43,"content":7517},[7518],{"type":46,"attrs":7519,"content":7520},{"level":916,"textAlign":17},[7521],{"text":1246,"type":52},{"type":43,"content":7523},[7524],{"type":61,"attrs":7525,"content":7526},{"textAlign":17},[],{"type":43,"content":7528},[7529],{"type":61,"attrs":7530,"content":7531},{"textAlign":17},[],[],[],"conciliacion-bancaria-como-automatizarla","es/blog/conciliacion-bancaria-como-automatizarla",-1870,[],"362ec0a2-5112-4042-bb34-9f2f862230e3","2026-06-10T13:00:52.167Z",[],"blog/conciliacion-bancaria-como-automatizarla",[7543,7544,7545],{"path":7541,"name":17,"lang":123,"published":17},{"path":7541,"name":17,"lang":125,"published":17},{"path":7541,"name":17,"lang":118,"published":17},"62",1784641578209]