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Los plazos de VERI*FACTU ya están fijados --enero de 2026 para la primera oleada, julio de 2027 para todas las demás-- y el mandato B2B de factura electrónica obligatoria bajo la Ley Crea y Crece avanza con su propio calendario escalonado por tamaño de empresa (RD 238/2026). La pregunta para cualquier Director Financiero ya no es si necesita un software de facturación electrónica, sino cuál elegir. En este artículo analizamos qué exige la normativa, qué criterios debe cumplir una plataforma y cómo se comparan las principales opciones del mercado español.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"Lo que exige la normativa española en 2026",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170],{"text":171,"type":116},"El marco regulatorio español combina varias capas de obligaciones que, en la práctica, se solapan. 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Un director financiero de una empresa de 120 empleados en Madrid que ya cumple con el SII deberá asegurarse además de que su software de facturación esté certificado por VERI*FACTU antes de julio de 2026: dos capas de cumplimiento funcionando simultáneamente.",{"type":160,"attrs":260,"content":261},{"level":162,"textAlign":25},[262],{"text":263,"type":116},"Cinco criterios para evaluar software de facturación electrónica",{"type":110,"attrs":265,"content":266},{"textAlign":25,"key":112},[267],{"text":268,"type":116},"Antes de comparar plataformas, conviene definir qué capacidades son imprescindibles para una empresa española de tamaño medio.",{"type":110,"attrs":270,"content":271},{"textAlign":25,"key":168},[272,276],{"text":273,"type":116,"marks":274},"Compatibilidad VERI*FACTU y Facturae.",[275],{"type":194},{"text":277,"type":116}," El software debe estar certificado para generar la huella digital y el código QR exigidos por VERI*FACTU, y soportar el formato Facturae 3.2.2 con firma XAdES para operaciones B2G a través de FACe. Sin esta base, cualquier otra funcionalidad resulta irrelevante.",{"type":110,"attrs":279,"content":280},{"textAlign":25,"key":174},[281,285],{"text":282,"type":116,"marks":283},"Integración contable.",[284],{"type":194},{"text":286,"type":116}," La mayoría de empresas españolas trabaja con A3 (Wolters Kluwer), Sage o Holded, y muchas externalizan su contabilidad a una gestoría --una asesoría fiscal y contable que actúa como extensión del equipo financiero--. El software debe integrarse con estos flujos de trabajo, no sustituirlos.",{"type":110,"attrs":288,"content":289},{"textAlign":25,"key":188},[290,294,296,302],{"text":291,"type":116,"marks":292},"Automatización de cuentas por pagar.",[293],{"type":194},{"text":295,"type":116}," OCR para captura de datos, extracción automática de campos (proveedor, base imponible, IVA, fecha de vencimiento) y flujos de aprobación configurables por importe o departamento. 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Criterios clave, plataformas y cómo preparar tu empresa.",[],[1145],{"_uid":1146,"items":1147,"heading":1199,"component":1222},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[1148,1159,1169,1179,1189],{"_uid":1149,"title":1150,"component":1151,"description":1152},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?","faqItem",{"type":107,"content":1153},[1154],{"type":110,"attrs":1155,"content":1156},{"textAlign":25,"key":112},[1157],{"text":1158,"type":116},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":1160,"title":1161,"component":1151,"description":1162},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":1163},[1164],{"type":110,"attrs":1165,"content":1166},{"textAlign":25,"key":112},[1167],{"text":1168,"type":116},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":1170,"title":1171,"component":1151,"description":1172},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":1173},[1174],{"type":110,"attrs":1175,"content":1176},{"textAlign":25,"key":112},[1177],{"text":1178,"type":116},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2908,2909],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2911],{"cta":2912,"_uid":2913,"items":2914,"heading":3027,"reverse":28,"component":1222,"sectionSettings":3048},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2915,2970],{"_uid":2916,"title":2917,"component":1151,"description":2918},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":107,"content":2919},[2920,2925,2950,2955,2960,2965],{"type":110,"attrs":2921,"content":2922},{"textAlign":25},[2923],{"text":2924,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":2926,"attrs":2927,"content":2928},"ordered_list",{"order":342},[2929,2936,2943],{"type":1029,"content":2930},[2931],{"type":110,"attrs":2932,"content":2933},{"textAlign":25},[2934],{"text":2935,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":1029,"content":2937},[2938],{"type":110,"attrs":2939,"content":2940},{"textAlign":25},[2941],{"text":2942,"type":116},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":1029,"content":2944},[2945],{"type":110,"attrs":2946,"content":2947},{"textAlign":25},[2948],{"text":2949,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2951,"content":2952},{"textAlign":25},[2953],{"text":2954,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":110,"attrs":2956,"content":2957},{"textAlign":25},[2958],{"text":2959,"type":116},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":110,"attrs":2961,"content":2962},{"textAlign":25},[2963],{"text":2964,"type":116},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":110,"attrs":2966,"content":2967},{"textAlign":25},[2968],{"text":2969,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2971,"title":2972,"component":1151,"description":2973},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":2974},[2975,2980,2992,2997,3007,3012,3017,3022],{"type":110,"attrs":2976,"content":2977},{"textAlign":25},[2978],{"text":2979,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":2998,"content":2999},{"textAlign":25},[3000,3004,3005],{"text":3001,"type":116,"marks":3002},"Para los equipos financieros",[3003],{"type":194},{"type":2834},{"text":3006,"type":116},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":110,"attrs":3008,"content":3009},{"textAlign":25},[3010],{"text":3011,"type":116},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":110,"attrs":3013,"content":3014},{"textAlign":25},[3015],{"text":3016,"type":116},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. 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Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":3117,"title":3118,"component":1151,"description":3119},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":3120},[3121],{"type":110,"attrs":3122,"content":3123},{"textAlign":25},[3124],{"text":3125,"type":116},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":3127,"title":3128,"component":1151,"description":3129},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":3130},[3131],{"type":110,"attrs":3132,"content":3133},{"textAlign":25},[3134],{"text":3135,"type":116},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. 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No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":3147,"title":3148,"component":1151,"description":3149},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":107,"content":3150},[3151],{"type":110,"attrs":3152,"content":3153},{"textAlign":25},[3154],{"text":3155,"type":116},"VeriFactu es el sistema de facturación verificable de la AEAT que obliga a todo software de facturación a generar un hash SHA-256 encadenado, un código QR y un registro inalterable por cada factura emitida. Su objetivo es impedir la manipulación de registros de facturación y reforzar el control del fraude fiscal. Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[3157],{"cta":3158,"_uid":3159,"title":3160,"eyebrow":3166,"subtitle":3171,"component":160,"textAlign":90,"flexibleSection":3176,"sectionSettings":3177,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":3161},[3162],{"type":160,"attrs":3163,"content":3164},{"level":162,"textAlign":25},[3165],{"text":1209,"type":116},{"type":107,"content":3167},[3168],{"type":110,"attrs":3169,"content":3170},{"textAlign":25},[],{"type":107,"content":3172},[3173],{"type":110,"attrs":3174,"content":3175},{"textAlign":25},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2130,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[3187,3188,3189],{"path":3185,"name":25,"lang":37,"published":25},{"path":3185,"name":25,"lang":39,"published":25},{"path":3185,"name":25,"lang":32,"published":25},{"name":3191,"created_at":3192,"published_at":3193,"updated_at":3194,"id":3195,"uuid":3196,"content":3197,"slug":3316,"full_slug":3317,"sort_by_date":25,"position":3318,"tag_list":3319,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":3320,"first_published_at":3321,"release_id":25,"lang":32,"path":25,"alternates":3322,"default_full_slug":3323,"translated_slugs":3324},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-15T12:57:19.864Z","2026-07-15T12:57:19.885Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":3198,"title":3191,"topics":3199,"noIndex":28,"category":3208,"language":3217,"component":1116,"heroMedia":3218,"metaTitle":3219,"publishedAt":3220,"readingTime":1133,"redirectUrl":90,"listingImage":3221,"metaDescription":3228,"bottomArticleCta":3229,"componentsAfterTheArticle":3230},"0d77ded5-886f-419e-9cda-bce11bcf3406",[3200],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3201,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3202,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3203,"default_full_slug":147,"translated_slugs":3204,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3205,3206,3207],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":3209,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":3211,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":3212,"default_full_slug":1123,"translated_slugs":3213,"_stopResolving":41},{"_uid":1110,"icon":3210,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3214,3215,3216],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00",[3222],{"_uid":3223,"asset":3224,"caption":90,"component":1141},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":3225,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3226,"copyright":90,"fieldtype":95,"meta_data":3227,"is_external_url":28},198318535055133,"https://a.storyblok.com/f/146026/2752x1536/f0a0b021fd/spendesk_blog_cover_morosidad_facturacion.jpg",{},"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[3231],{"_uid":3232,"items":3233,"heading":3294,"component":1222},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[3234,3244,3254,3264,3274,3284],{"_uid":3235,"title":3236,"component":1151,"description":3237},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":3238},[3239],{"type":110,"attrs":3240,"content":3241},{"textAlign":25},[3242],{"text":3243,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":3245,"title":3246,"component":1151,"description":3247},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":3248},[3249],{"type":110,"attrs":3250,"content":3251},{"textAlign":25},[3252],{"text":3253,"type":116},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. Además, el acreedor tiene derecho a una compensación fija de 40 euros por factura.",{"_uid":3255,"title":3256,"component":1151,"description":3257},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":107,"content":3258},[3259],{"type":110,"attrs":3260,"content":3261},{"textAlign":25},[3262],{"text":3263,"type":116},"El RD 238/2026 obliga a registrar electrónicamente la fecha de pago de cada factura B2B. Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":3265,"title":3266,"component":1151,"description":3267},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":3268},[3269],{"type":110,"attrs":3270,"content":3271},{"textAlign":25},[3272],{"text":3273,"type":116},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":3275,"title":3276,"component":1151,"description":3277},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":3278},[3279],{"type":110,"attrs":3280,"content":3281},{"textAlign":25},[3282],{"text":3283,"type":116},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":3285,"title":3286,"component":1151,"description":3287},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":3288},[3289],{"type":110,"attrs":3290,"content":3291},{"textAlign":25},[3292],{"text":3293,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. La facturación electrónica B2B (Crea y Crece) se implantará con plazos de un año para empresas con facturación superior a ocho millones de euros y dos años para pymes, contados desde la publicación del RD 238/2026.",[3295],{"cta":3296,"_uid":3297,"title":3298,"eyebrow":3304,"subtitle":3309,"component":160,"textAlign":90,"flexibleSection":3314,"sectionSettings":3315,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":3299},[3300],{"type":160,"attrs":3301,"content":3302},{"level":162,"textAlign":25},[3303],{"text":1209,"type":116},{"type":107,"content":3305},[3306],{"type":110,"attrs":3307,"content":3308},{"textAlign":25},[],{"type":107,"content":3310},[3311],{"type":110,"attrs":3312,"content":3313},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2110,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[3325,3326,3327],{"path":3323,"name":25,"lang":37,"published":25},{"path":3323,"name":25,"lang":39,"published":25},{"path":3323,"name":25,"lang":32,"published":25},{"name":3329,"created_at":3330,"published_at":3331,"updated_at":3332,"id":3333,"uuid":3334,"content":3335,"slug":3444,"full_slug":3445,"sort_by_date":25,"position":3446,"tag_list":3447,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":3448,"first_published_at":3449,"release_id":25,"lang":32,"path":25,"alternates":3450,"default_full_slug":3451,"translated_slugs":3452},"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":3336,"title":3329,"topics":3337,"noIndex":28,"category":3346,"language":3355,"component":1116,"heroMedia":3356,"metaTitle":3357,"publishedAt":3358,"readingTime":1133,"redirectUrl":90,"listingImage":3359,"metaDescription":3366,"bottomArticleCta":3367,"componentsAfterTheArticle":3368},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[3338],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3339,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3340,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3341,"default_full_slug":147,"translated_slugs":3342,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3343,3344,3345],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":3347,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":3349,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":3350,"default_full_slug":1123,"translated_slugs":3351,"_stopResolving":41},{"_uid":1110,"icon":3348,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3352,3353,3354],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[3360],{"_uid":3361,"asset":3362,"caption":90,"component":1141},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":3363,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3364,"copyright":90,"fieldtype":95,"meta_data":3365,"is_external_url":28},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",[],[3369],{"_uid":3370,"items":3371,"heading":3422,"component":1222},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[3372,3382,3392,3402,3412],{"_uid":3373,"title":3374,"component":1151,"description":3375},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":107,"content":3376},[3377],{"type":110,"attrs":3378,"content":3379},{"textAlign":25},[3380],{"text":3381,"type":116},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":3383,"title":3384,"component":1151,"description":3385},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":3386},[3387],{"type":110,"attrs":3388,"content":3389},{"textAlign":25},[3390],{"text":3391,"type":116},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":3393,"title":3394,"component":1151,"description":3395},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":3396},[3397],{"type":110,"attrs":3398,"content":3399},{"textAlign":25},[3400],{"text":3401,"type":116},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":3403,"title":3404,"component":1151,"description":3405},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":3406},[3407],{"type":110,"attrs":3408,"content":3409},{"textAlign":25},[3410],{"text":3411,"type":116},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":3413,"title":3414,"component":1151,"description":3415},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":3416},[3417],{"type":110,"attrs":3418,"content":3419},{"textAlign":25},[3420],{"text":3421,"type":116},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. 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La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":3512,"title":3513,"component":1151,"description":3514},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":3515},[3516],{"type":110,"attrs":3517,"content":3518},{"textAlign":25},[3519],{"text":3520,"type":116},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":3522,"title":3523,"component":1151,"description":3524},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":3525},[3526],{"type":110,"attrs":3527,"content":3528},{"textAlign":25},[3529],{"text":3530,"type":116},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":3532,"title":3533,"component":1151,"description":3534},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":3535},[3536],{"type":110,"attrs":3537,"content":3538},{"textAlign":25},[3539],{"text":3540,"type":116},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":3542,"title":3543,"component":1151,"description":3544},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":3545},[3546],{"type":110,"attrs":3547,"content":3548},{"textAlign":25},[3549],{"text":3550,"type":116},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[3552],{"cta":3553,"_uid":3554,"title":3555,"eyebrow":3561,"subtitle":3566,"component":160,"textAlign":90,"flexibleSection":3571,"sectionSettings":3572,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":3556},[3557],{"type":160,"attrs":3558,"content":3559},{"level":162,"textAlign":25},[3560],{"text":1209,"type":116},{"type":107,"content":3562},[3563],{"type":110,"attrs":3564,"content":3565},{"textAlign":25},[],{"type":107,"content":3567},[3568],{"type":110,"attrs":3569,"content":3570},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2090,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[3582,3583,3584],{"path":3580,"name":25,"lang":37,"published":25},{"path":3580,"name":25,"lang":39,"published":25},{"path":3580,"name":25,"lang":32,"published":25},{"name":3586,"created_at":3587,"published_at":3588,"updated_at":3589,"id":3590,"uuid":3591,"content":3592,"slug":3712,"full_slug":3713,"sort_by_date":25,"position":3714,"tag_list":3715,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":3716,"first_published_at":3717,"release_id":25,"lang":32,"path":25,"alternates":3718,"default_full_slug":3719,"translated_slugs":3720},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-15T12:59:16.664Z","2026-07-15T12:59:16.683Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":3593,"title":3586,"topics":3594,"noIndex":28,"category":3603,"language":3612,"component":1116,"heroMedia":3613,"metaTitle":3614,"publishedAt":3615,"readingTime":3616,"redirectUrl":90,"listingImage":3617,"metaDescription":3624,"bottomArticleCta":3625,"componentsAfterTheArticle":3626},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3595],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3596,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3597,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3598,"default_full_slug":147,"translated_slugs":3599,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3600,3601,3602],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":3604,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":3606,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":3607,"default_full_slug":1123,"translated_slugs":3608,"_stopResolving":41},{"_uid":1110,"icon":3605,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3609,3610,3611],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00","12",[3618],{"_uid":3619,"asset":3620,"caption":90,"component":1141},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3621,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3622,"copyright":90,"fieldtype":95,"meta_data":3623,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[3627],{"_uid":3628,"items":3629,"heading":3690,"component":1222},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3630,3640,3650,3660,3670,3680],{"_uid":3631,"title":3632,"component":1151,"description":3633},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":3634},[3635],{"type":110,"attrs":3636,"content":3637},{"textAlign":25},[3638],{"text":3639,"type":116},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":3641,"title":3642,"component":1151,"description":3643},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":3644},[3645],{"type":110,"attrs":3646,"content":3647},{"textAlign":25},[3648],{"text":3649,"type":116},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":3651,"title":3652,"component":1151,"description":3653},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":3654},[3655],{"type":110,"attrs":3656,"content":3657},{"textAlign":25},[3658],{"text":3659,"type":116},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":3661,"title":3662,"component":1151,"description":3663},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":3664},[3665],{"type":110,"attrs":3666,"content":3667},{"textAlign":25},[3668],{"text":3669,"type":116},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":3671,"title":3672,"component":1151,"description":3673},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":3674},[3675],{"type":110,"attrs":3676,"content":3677},{"textAlign":25},[3678],{"text":3679,"type":116},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":3681,"title":3682,"component":1151,"description":3683},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":107,"content":3684},[3685],{"type":110,"attrs":3686,"content":3687},{"textAlign":25},[3688],{"text":3689,"type":116},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. En la sección sobre la limpieza de datos de proveedores encontrarás la lista de comprobación completa.",[3691],{"cta":3692,"_uid":3693,"title":3694,"eyebrow":3700,"subtitle":3705,"component":160,"textAlign":90,"flexibleSection":3710,"sectionSettings":3711,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":107,"content":3695},[3696],{"type":160,"attrs":3697,"content":3698},{"level":162,"textAlign":25},[3699],{"text":1209,"type":116},{"type":107,"content":3701},[3702],{"type":110,"attrs":3703,"content":3704},{"textAlign":25},[],{"type":107,"content":3706},[3707],{"type":110,"attrs":3708,"content":3709},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2070,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9","2026-07-01T14:07:18.315Z",[],"blog/pagos-sepa-espana-2026",[3721,3722,3723],{"path":3719,"name":25,"lang":37,"published":25},{"path":3719,"name":25,"lang":39,"published":25},{"path":3719,"name":25,"lang":32,"published":25},{"name":3725,"created_at":3726,"published_at":3727,"updated_at":3728,"id":3729,"uuid":3730,"content":3731,"slug":3848,"full_slug":3849,"sort_by_date":25,"position":3850,"tag_list":3851,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":3852,"first_published_at":3853,"release_id":25,"lang":32,"path":25,"alternates":3854,"default_full_slug":3855,"translated_slugs":3856},"Conciliación bancaria: qué es, ejemplo práctico y cómo automatizarla","2026-06-10T13:00:12.731Z","2026-07-15T12:52:27.550Z","2026-07-15T12:52:27.586Z",185986305006565,"347a8315-f054-4486-8046-cc11efd3e939",{"_uid":3732,"title":3725,"topics":3733,"noIndex":28,"category":3742,"language":3751,"component":1116,"heroMedia":3752,"metaTitle":3753,"publishedAt":3754,"readingTime":3082,"redirectUrl":90,"listingImage":3755,"metaDescription":3762,"bottomArticleCta":3763,"componentsAfterTheArticle":3764},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[3734],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3735,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3736,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3737,"default_full_slug":147,"translated_slugs":3738,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3739,3740,3741],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":3743,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":3745,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":3746,"default_full_slug":1123,"translated_slugs":3747,"_stopResolving":41},{"_uid":1110,"icon":3744,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3748,3749,3750],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom","2026-06-28 00:00",[3756],{"_uid":3757,"asset":3758,"caption":90,"component":1141},"5bce087f-87f5-4cc0-9273-66bf36c1e1cf",{"id":3759,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3760,"copyright":90,"fieldtype":95,"meta_data":3761,"is_external_url":28},198314222330707,"https://a.storyblok.com/f/146026/2752x1536/e59e6d4a0f/spendesk_blog_cover_conciliacion_bancaria.jpg",{},"Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[3765],{"_uid":3766,"items":3767,"heading":3826,"component":1222},"f710724d-656b-444b-b6f5-476932443755",[3768,3778,3796,3806,3816],{"_uid":3769,"title":3770,"component":1151,"description":3771},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":107,"content":3772},[3773],{"type":110,"attrs":3774,"content":3775},{"textAlign":25},[3776],{"text":3777,"type":116},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":3779,"title":3780,"component":1151,"description":3781},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":3782},[3783],{"type":110,"attrs":3784,"content":3785},{"textAlign":25},[3786,3788,3794],{"text":3787,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":3789,"type":116,"marks":3790},"objetivos financieros",[3791],{"type":180,"attrs":3792},{"href":3793,"uuid":25,"anchor":25,"target":183,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":3795,"type":116}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":3797,"title":3798,"component":1151,"description":3799},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":3800},[3801],{"type":110,"attrs":3802,"content":3803},{"textAlign":25},[3804],{"text":3805,"type":116},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. 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La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":4163,"title":4164,"component":1151,"description":4165},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":4166},[4167],{"type":110,"attrs":4168,"content":4169},{"textAlign":25},[4170],{"text":4171,"type":116},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":4173,"title":4174,"component":1151,"description":4175},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":4176},[4177],{"type":110,"attrs":4178,"content":4179},{"textAlign":25},[4180,4182,4188],{"text":4181,"type":116},"Sí. Las adquisiciones intracomunitarias se declaran en las casillas 10 y 11 (IVA devengado) y en las casillas 36 a 39 (IVA deducible), aplicando la inversión del sujeto pasivo. Además, presenta el modelo 349 como resumen trimestral de operaciones intracomunitarias. Si gestionas ",{"text":4183,"type":116,"marks":4184},"facturas simplificadas",[4185],{"type":180,"attrs":4186},{"href":4187,"uuid":25,"anchor":25,"target":183,"linktype":98},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":4189,"type":116},", ten en cuenta que no son válidas para operaciones intracomunitarias. --- Preparar el modelo 303 cada trimestre no tiene por qué consumir días de trabajo manual. Cuando cada gasto lleva el justificante, la categoría de IVA y la aprobación desde el momento en que se produce, el cierre trimestral se reduce a una revisión final.",[4191],{"cta":4192,"_uid":4193,"title":4194,"eyebrow":4200,"subtitle":4205,"component":160,"textAlign":90,"flexibleSection":4210,"sectionSettings":4211,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":107,"content":4195},[4196],{"type":160,"attrs":4197,"content":4198},{"level":162,"textAlign":25},[4199],{"text":1209,"type":116},{"type":107,"content":4201},[4202],{"type":110,"attrs":4203,"content":4204},{"textAlign":25},[],{"type":107,"content":4206},[4207],{"type":110,"attrs":4208,"content":4209},{"textAlign":25},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1800,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[4221,4222,4223],{"path":4219,"name":25,"lang":37,"published":25},{"path":4219,"name":25,"lang":39,"published":25},{"path":4219,"name":25,"lang":32,"published":25},{"name":4225,"created_at":4226,"published_at":4227,"updated_at":4228,"id":4229,"uuid":4230,"content":4231,"slug":4356,"full_slug":4357,"sort_by_date":25,"position":4358,"tag_list":4359,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":4360,"first_published_at":4361,"release_id":25,"lang":32,"path":25,"alternates":4362,"default_full_slug":4363,"translated_slugs":4364},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-07-15T12:23:14.902Z","2026-07-15T12:23:14.928Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":4232,"title":4225,"topics":4233,"noIndex":28,"category":4259,"language":4268,"component":1116,"heroMedia":4269,"metaTitle":4270,"publishedAt":4271,"readingTime":3487,"redirectUrl":90,"listingImage":4272,"metaDescription":4279,"bottomArticleCta":4280,"componentsAfterTheArticle":4281},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[4234,4242],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4235,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4236,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4237,"default_full_slug":147,"translated_slugs":4238,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4239,4240,4241],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":4243,"created_at":4244,"published_at":16,"updated_at":4245,"id":4246,"uuid":4247,"content":4248,"slug":4249,"full_slug":4250,"sort_by_date":25,"position":141,"tag_list":4251,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":4252,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4253,"default_full_slug":4254,"translated_slugs":4255,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":4243,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[4256,4257,4258],{"path":4254,"name":25,"lang":37,"published":25},{"path":4254,"name":25,"lang":39,"published":25},{"path":4254,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":4260,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":4262,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":4263,"default_full_slug":1123,"translated_slugs":4264,"_stopResolving":41},{"_uid":1110,"icon":4261,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4265,4266,4267],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","2026-06-06 00:00",[4273],{"_uid":4274,"asset":4275,"caption":90,"component":1141},"cbc071ec-856b-41df-a3a2-4182eb3fabd4",{"id":4276,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4277,"copyright":90,"fieldtype":95,"meta_data":4278,"is_external_url":28},198050494748961,"https://a.storyblok.com/f/146026/1538x858/a3a2285d8a/spendesk_blog_cover_periodo_pago_v2.jpg",{},"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[4282],{"_uid":4283,"items":4284,"heading":1760,"component":1222},"d437e15a-ca83-40ff-962f-928bbc083496",[4285,4303,4313,4323,4333],{"_uid":4286,"title":4287,"component":1151,"description":4288},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":4289},[4290],{"type":110,"attrs":4291,"content":4292},{"textAlign":25},[4293,4295,4301],{"text":4294,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4296,"type":116,"marks":4297},"Ley 15/2010",[4298],{"type":180,"attrs":4299},{"href":4300,"uuid":25,"anchor":25,"target":183,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4302,"type":116},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":4304,"title":4305,"component":1151,"description":4306},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":4307},[4308],{"type":110,"attrs":4309,"content":4310},{"textAlign":25},[4311],{"text":4312,"type":116},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":4314,"title":4315,"component":1151,"description":4316},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":4317},[4318],{"type":110,"attrs":4319,"content":4320},{"textAlign":25},[4321],{"text":4322,"type":116},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":4324,"title":4325,"component":1151,"description":4326},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":4327},[4328],{"type":110,"attrs":4329,"content":4330},{"textAlign":25},[4331],{"text":4332,"type":116},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":4334,"title":4335,"component":1151,"description":4336},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":4337},[4338],{"type":110,"attrs":4339,"content":4340},{"textAlign":25},[4341,4343,4347,4349,4355],{"text":4342,"type":116},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":1007,"type":116,"marks":4344},[4345],{"type":180,"attrs":4346},{"href":1011,"uuid":25,"anchor":25,"target":183,"linktype":98},{"text":4348,"type":116},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":4350,"type":116,"marks":4351},"visita spendesk.com/es/",[4352],{"type":180,"attrs":4353},{"href":4354,"uuid":25,"anchor":25,"target":183,"linktype":98},"https://www.spendesk.com/es/",{"text":2560,"type":116},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1720,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02","2026-06-02T11:11:52.472Z",[],"blog/calculo-periodo-medio-pago-proveedores",[4365,4366,4367],{"path":4363,"name":25,"lang":37,"published":25},{"path":4363,"name":25,"lang":39,"published":25},{"path":4363,"name":25,"lang":32,"published":25},{"name":4369,"created_at":4370,"published_at":4371,"updated_at":4372,"id":4373,"uuid":4374,"content":4375,"slug":4490,"full_slug":4491,"sort_by_date":25,"position":4492,"tag_list":4493,"is_startpage":28,"parent_id":1227,"meta_data":25,"group_id":4494,"first_published_at":4495,"release_id":25,"lang":32,"path":25,"alternates":4496,"default_full_slug":4497,"translated_slugs":4498},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-07-15T12:15:25.022Z","2026-07-24T13:16:25.104Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":4376,"title":4369,"topics":4377,"noIndex":28,"category":4394,"language":4403,"component":1116,"heroMedia":4404,"metaTitle":4405,"publishedAt":4406,"readingTime":3082,"redirectUrl":90,"listingImage":4407,"metaDescription":4414,"bottomArticleCta":4415,"componentsAfterTheArticle":4416},"c037fbcf-4158-4dad-96d1-4603185c9798",[4378,4386],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":4379,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":4380,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4381,"default_full_slug":147,"translated_slugs":4382,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[4383,4384,4385],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"name":4243,"created_at":4244,"published_at":16,"updated_at":4245,"id":4246,"uuid":4247,"content":4387,"slug":4249,"full_slug":4250,"sort_by_date":25,"position":141,"tag_list":4388,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":4252,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":4389,"default_full_slug":4254,"translated_slugs":4390,"_stopResolving":41},{"_uid":138,"name":4243,"component":22},[],[],[4391,4392,4393],{"path":4254,"name":25,"lang":37,"published":25},{"path":4254,"name":25,"lang":39,"published":25},{"path":4254,"name":25,"lang":32,"published":25},{"name":1104,"created_at":1105,"published_at":16,"updated_at":1106,"id":1107,"uuid":1108,"content":4395,"slug":1116,"full_slug":1117,"sort_by_date":25,"position":52,"tag_list":4397,"is_startpage":28,"parent_id":1119,"meta_data":25,"group_id":1120,"first_published_at":1121,"release_id":25,"lang":32,"path":25,"alternates":4398,"default_full_slug":1123,"translated_slugs":4399,"_stopResolving":41},{"_uid":1110,"icon":4396,"name":1104,"component":1115},{"id":1112,"alt":1113,"name":90,"focus":90,"title":90,"filename":1114,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4400,4401,4402],{"path":1123,"name":25,"lang":37,"published":25},{"path":1123,"name":25,"lang":39,"published":25},{"path":1123,"name":25,"lang":32,"published":25},[32],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp","2026-04-30 00:00",[4408],{"_uid":4409,"asset":4410,"caption":90,"component":1141},"e58a8133-014a-4421-bad5-c4fa3dda9ac3",{"id":4411,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4412,"copyright":90,"fieldtype":95,"meta_data":4413,"is_external_url":28},198047324595677,"https://a.storyblok.com/f/146026/2752x1536/11fd6b63a0/spendesk_blog_cover_anticipo_proveedores.jpg",{},"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[4417],{"_uid":4418,"items":4419,"heading":1760,"component":1222},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4420,4430,4440,4450,4460,4470,4480],{"_uid":4421,"title":4422,"component":1151,"description":4423},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":4424},[4425],{"type":110,"attrs":4426,"content":4427},{"textAlign":25},[4428],{"text":4429,"type":116},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":4431,"title":4432,"component":1151,"description":4433},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":4434},[4435],{"type":110,"attrs":4436,"content":4437},{"textAlign":25},[4438],{"text":4439,"type":116},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":4441,"title":4442,"component":1151,"description":4443},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":4444},[4445],{"type":110,"attrs":4446,"content":4447},{"textAlign":25},[4448],{"text":4449,"type":116},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":4451,"title":4452,"component":1151,"description":4453},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":4454},[4455],{"type":110,"attrs":4456,"content":4457},{"textAlign":25},[4458],{"text":4459,"type":116},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":4461,"title":4462,"component":1151,"description":4463},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":4464},[4465],{"type":110,"attrs":4466,"content":4467},{"textAlign":25},[4468],{"text":4469,"type":116},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":4471,"title":4472,"component":1151,"description":4473},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":4474},[4475],{"type":110,"attrs":4476,"content":4477},{"textAlign":25},[4478],{"text":4479,"type":116},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4481,"title":4482,"component":1151,"description":4483},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":4484},[4485],{"type":110,"attrs":4486,"content":4487},{"textAlign":25},[4488],{"text":4489,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. 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Spendesk centraliza la recepción y el archivo de facturas simplificadas mediante captura OCR, validación automática de campos y clasificación por proveedor, lo que acelera la conciliación y la trazabilidad para equipos financieros.",{"_uid":4889,"title":4890,"component":1151,"description":4891},"ea75ddb6-1940-49ac-a065-0f1b17897cba","¿Qué datos obligatorios debe incluir una factura simplificada?",{"type":107,"content":4892},[4893],{"type":110,"content":4894},[4895],{"text":4896,"type":116},"Una factura simplificada debe incluir al menos la fecha, el desglose del importe, el NIF del emisor y el concepto de la operación según la normativa vigente. Spendesk extrae y valida estos campos con OCR y reglas fiscales, alerta sobre datos faltantes y permite completar o rechazar facturas antes de su contabilización, garantizando cumplimiento y trazabilidad.",{"_uid":4898,"title":4899,"component":1151,"description":4900},"f8113b07-f903-48bd-bac6-e083aec545d4","¿En qué se diferencia una factura simplificada de una factura completa?",{"type":107,"content":4901},[4902],{"type":110,"content":4903},[4904],{"text":4905,"type":116},"La diferencia principal entre factura simplificada y factura completa es el nivel de detalle: la simplificada registra operaciones de menor cuantía con menos datos obligatorios, mientras la completa exige información fiscal completa del cliente. Spendesk etiqueta automáticamente cada tipo de factura, aplica flujos de aprobación distintos y sincroniza la factura correcta con el sistema contable para asegurar registros precisos.",{"_uid":4907,"title":4908,"component":1151,"description":4909},"320862d1-c124-4a8b-9ed8-0bbd705a4985","¿Cómo incorpora Spendesk facturas simplificadas en la contabilidad y el IVA?",{"type":107,"content":4910},[4911],{"type":110,"content":4912},[4913],{"text":4914,"type":116},"Spendesk integra facturas simplificadas con la contabilidad y el registro del IVA mediante conciliación automática, generación de asientos y exportaciones a ERPs como Sage o Xero. 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