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trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[127,128,129],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},[131],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":137,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":142,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":146,"default_full_slug":147,"translated_slugs":148,"_stopResolving":41},"Facturas","2023-04-12T07:18:47.128Z","2026-03-12T10:47:54.356Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"_uid":138,"name":132,"component":22},"a2c58a16-f495-475f-951f-05171468aae4","facturas","es/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[149,150,151],{"path":147,"name":25,"lang":37,"published":25},{"path":147,"name":25,"lang":39,"published":25},{"path":147,"name":25,"lang":32,"published":25},{"type":107,"content":153},[154,159,166,172,178,194,199,205,258,264,270,276,281,294,303,320,337,342,347,352,365,370,375,380,385,406,411,417,431,445,450,456,478,484,523,529],{"type":110,"attrs":155,"content":156},{"textAlign":25,"key":112},[157],{"text":158,"type":116},"Cada trimestre, los equipos financieros de empresas españolas se enfrentan a la misma obligación: cuadrar el IVA repercutido y el soportado, calcular el resultado y presentar el modelo 303 ante la AEAT. Hacerlo tarde implica recargos; hacerlo mal, sanciones que pueden alcanzar el 150 % de la cuota. Este artículo cubre qué es el modelo 303, qué información va en cada casilla, los plazos de presentación, el proceso telemático paso a paso y los errores que conviene evitar. Ten en cuenta que el modelo 303 se presenta directamente en la sede electrónica de la AEAT; Spendesk ofrece contenido educativo, no servicios de presentación fiscal.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":116},"El modelo 303, la autoliquidación trimestral del IVA",{"type":110,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170],{"text":171,"type":116},"El modelo 303 es el formulario oficial de autoliquidación del IVA que toda empresa o autónomo con actividad sujeta a este impuesto debe presentar ante la AEAT cada trimestre. Para entender para qué sirve el modelo 303, conviene recordar cómo funciona el IVA en España: se trata de un impuesto indirecto que grava el consumo. Las empresas repercuten IVA a sus clientes en las facturas emitidas y soportan IVA en las facturas que reciben de sus proveedores. El modelo 303 del IVA reconcilia ambas cantidades y determina el resultado: a ingresar (la empresa paga a la AEAT), a compensar (se arrastra a trimestres siguientes) o a devolver (solo posible en la declaración del cuarto trimestre).",{"type":110,"attrs":173,"content":175},{"textAlign":25,"key":174},"p-2",[176],{"text":177,"type":116},"En cuanto a cuánto es el IVA en España, existen tres tipos: el 21 % general, que aplica a la mayoría de servicios y productos B2B; el 10 % reducido, para alimentación, transporte y hostelería; y el 4 % superreducido, para productos de primera necesidad, libros y medicamentos.",{"type":110,"attrs":179,"content":181},{"textAlign":25,"key":180},"p-3",[182,184,192],{"text":183,"type":116},"Están obligados a presentar el modelo 303 en la AEAT todas las sociedades limitadas, anónimas, cooperativas, autónomos y arrendadores de inmuebles con actividad sujeta a IVA. La responsable de administración de una empresa SaaS de 70 empleados, por ejemplo, repercute el 21 % de IVA en todas las facturas a clientes nacionales y deduce el IVA soportado en suscripciones de software, alquiler de oficina y viajes corporativos; el modelo 303 reconcilia esos dos flujos cada trimestre. La excepción: las empresas del País Vasco tributan ante la Hacienda Foral correspondiente, y Navarra cuenta con su propio sistema. Si necesitas una visión más amplia de las obligaciones fiscales, consulta ",{"text":185,"type":116,"marks":186},"el calendario del año fiscal en España",[187],{"type":188,"attrs":189},"link",{"href":190,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/ano-fiscal/","_blank",{"text":193,"type":116},".",{"type":160,"attrs":195,"content":196},{"level":162,"textAlign":25},[197],{"text":198,"type":116},"Plazos de presentación del modelo 303",{"type":110,"attrs":200,"content":202},{"textAlign":25,"key":201},"p-4",[203],{"text":204,"type":116},"La presentación del modelo 303 sigue un calendario trimestral fijo:",{"type":206,"content":207},"ordered_list",[208,222,234,246],{"type":209,"content":210},"list_item",[211],{"type":110,"attrs":212,"content":214},{"textAlign":25,"key":213},"p-5",[215,220],{"text":216,"type":116,"marks":217},"1T (enero a marzo):",[218],{"type":219},"bold",{"text":221,"type":116}," del 1 al 20 de abril.",{"type":209,"content":223},[224],{"type":110,"attrs":225,"content":227},{"textAlign":25,"key":226},"p-6",[228,232],{"text":229,"type":116,"marks":230},"2T (abril a junio):",[231],{"type":219},{"text":233,"type":116}," del 1 al 20 de julio.",{"type":209,"content":235},[236],{"type":110,"attrs":237,"content":239},{"textAlign":25,"key":238},"p-7",[240,244],{"text":241,"type":116,"marks":242},"3T (julio a septiembre):",[243],{"type":219},{"text":245,"type":116}," del 1 al 20 de octubre.",{"type":209,"content":247},[248],{"type":110,"attrs":249,"content":251},{"textAlign":25,"key":250},"p-8",[252,256],{"text":253,"type":116,"marks":254},"4T (octubre a diciembre):",[255],{"type":219},{"text":257,"type":116}," del 1 al 30 de enero del año siguiente.",{"type":110,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-9",[262],{"text":263,"type":116},"Si la fecha límite cae en día inhábil, el plazo se extiende al siguiente día laborable.",{"type":110,"attrs":265,"content":267},{"textAlign":25,"key":266},"p-10",[268],{"text":269,"type":116},"La domiciliación bancaria del pago exige presentar la declaración al menos cinco días antes del vencimiento, es decir, habitualmente antes del día 15 del mes correspondiente. Un controller que el 16 de julio se da cuenta de que ha pasado el plazo de domiciliación debe obtener un código NRC directamente del banco y abonar el importe antes del día 20 para evitar recargos.",{"type":110,"attrs":271,"content":273},{"textAlign":25,"key":272},"p-11",[274],{"text":275,"type":116},"Las grandes empresas inscritas en el SII (Suministro Inmediato de Información) presentan el modelo 303 con periodicidad mensual, no trimestral, y están exentas de la obligación de presentar el resumen anual del modelo 390.",{"type":160,"attrs":277,"content":278},{"level":162,"textAlign":25},[279],{"text":280,"type":116},"Las casillas principales del modelo 303",{"type":110,"attrs":282,"content":283},{"textAlign":25,"key":112},[284,286,292],{"text":285,"type":116},"El modelo 303 de la AEAT se estructura en bloques: Identificación, Devengo, Liquidación (IVA devengado e IVA deducible) y Resultado. Conocer las casillas principales evita errores de clasificación y facilita la revisión antes de la presentación. Las ",{"text":287,"type":116,"marks":288},"instrucciones del modelo 303 para 2026",[289],{"type":188,"attrs":290},{"href":291,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/iva/modelo-303-iva-autoliquidacion_/instrucciones-2026.html",{"text":293,"type":116}," detallan cada campo.",{"type":110,"attrs":295,"content":296},{"textAlign":25,"key":168},[297,301],{"text":298,"type":116,"marks":299},"IVA devengado (casillas 01 a 09).",[300],{"type":219},{"text":302,"type":116}," Aquí se declaran la base imponible y la cuota repercutida, agrupadas por tipo de IVA. Las casillas 01 a 03 corresponden al régimen general al 4 %; las casillas 04 a 06, al 10 %; y las casillas 07 a 09, al 21 %, que concentra la mayoría de operaciones B2B.",{"type":110,"attrs":304,"content":305},{"textAlign":25,"key":174},[306,310,312,318],{"text":307,"type":116,"marks":308},"Adquisiciones intracomunitarias (casillas 10 y 11).",[309],{"type":219},{"text":311,"type":116}," Cuando la empresa compra bienes o servicios a un proveedor de otro Estado miembro con NIF-IVA, debe aplicar la inversión del sujeto pasivo y reflejar la operación en estas casillas. La transición a la ",{"text":313,"type":116,"marks":314},"factura electrónica",[315],{"type":188,"attrs":316},{"href":317,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":319,"type":116}," facilita el seguimiento de estas operaciones.",{"type":110,"attrs":321,"content":322},{"textAlign":25,"key":180},[323,327,329,335],{"text":324,"type":116,"marks":325},"IVA deducible (casillas 28 a 44).",[326],{"type":219},{"text":328,"type":116}," Este bloque recoge el IVA soportado en gastos vinculados a la actividad empresarial. Las casillas 28 y 29 cubren operaciones interiores corrientes; las casillas 30 y 31, bienes de inversión (activos de inversión superiores a 3.005,06 €); las casillas 32 a 35, importaciones; y las casillas 36 a 39, adquisiciones intracomunitarias. La correcta asignación de cada gasto a su ",{"text":330,"type":116,"marks":331},"cuenta de gastos",[332],{"type":188,"attrs":333},{"href":334,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-de-gastos/",{"text":336,"type":116}," correspondiente simplifica el traslado al modelo.",{"type":110,"attrs":338,"content":339},{"textAlign":25,"key":201},[340],{"text":341,"type":116},"El resultado final aparece en la casilla 46: IVA devengado menos IVA deducible. Solo los gastos empresariales respaldados por una factura completa son deducibles; gastos personales, comidas sin justificante y vehículos de uso mixto (deducción limitada al 50 %) quedan fuera.",{"type":110,"attrs":343,"content":344},{"textAlign":25,"key":213},[345],{"text":346,"type":116},"Un Director de Administración y Finanzas (DAF) que revisa el trimestre descubre tres facturas de un proveedor alemán contabilizadas como operaciones interiores, sin aplicar la inversión del sujeto pasivo. Esas cantidades deben aparecer en las casillas 10 y 11 (IVA devengado) y en las casillas 36 y 37 (IVA deducible), no en las casillas de régimen general. Corregir esta clasificación antes de presentar el modelo 303 evita posibles requerimientos de la AEAT y la obligación de presentar una complementaria. Para facilitar la revisión, muchos equipos financieros descargan el modelo 303 en PDF desde la sede electrónica antes de validar los datos definitivos.",{"type":160,"attrs":348,"content":349},{"level":162,"textAlign":25},[350],{"text":351,"type":116},"Errores frecuentes en la declaración del modelo 303",{"type":110,"attrs":353,"content":354},{"textAlign":25,"key":226},[355,357,363],{"text":356,"type":116},"Presentar el modelo 303 fuera de plazo genera recargos del 1 % por cada mes de retraso si la regularización es voluntaria, según el ",{"text":358,"type":116,"marks":359},"artículo 27 de la Ley General Tributaria",[360],{"type":188,"attrs":361},{"href":362,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.iberley.es/legislacion/articulo-27-ley-general-tributaria",{"text":364,"type":116},". Si es la AEAT quien notifica el retraso, las sanciones pueden oscilar entre el 50 % y el 150 % de la cuota.",{"type":110,"attrs":366,"content":367},{"textAlign":25,"key":238},[368],{"text":369,"type":116},"Otro error habitual: reclamar IVA soportado no deducible. Gastos personales, facturas incompletas o el uso mixto de un vehículo (deducción máxima del 50 %) generan deducciones improcedentes que la AEAT revisa con frecuencia.",{"type":110,"attrs":371,"content":372},{"textAlign":25,"key":250},[373],{"text":374,"type":116},"La confusión entre base imponible y total de factura también provoca descuadres. La base que se declara en el modelo 303 excluye la cuota de IVA; introducir el importe total distorsiona tanto el devengado como el deducible.",{"type":110,"attrs":376,"content":377},{"textAlign":25,"key":260},[378],{"text":379,"type":116},"Las operaciones intracomunitarias mal registradas constituyen otro foco de errores. Omitir la inversión del sujeto pasivo o no presentar el modelo 349 trimestral puede desencadenar un requerimiento. Las empresas con actividad intracomunitaria deben verificar que cada factura de un proveedor de la UE aparece correctamente en las casillas 10 y 11 y en las casillas 36 a 39.",{"type":110,"attrs":381,"content":382},{"textAlign":25,"key":266},[383],{"text":384,"type":116},"No presentar la declaración cuando no ha habido actividad es un error de omisión frecuente. La obligación persiste aunque no se haya emitido ni recibido ninguna factura: se presenta una declaración “sin actividad” con todas las casillas a cero.",{"type":110,"attrs":386,"content":387},{"textAlign":25,"key":272},[388,390,396,398,404],{"text":389,"type":116},"La falta de justificantes complica las comprobaciones fiscales. La AEAT exige conservar las facturas y recibos durante cuatro años a efectos fiscales y seis años a efectos mercantiles. Una buena ",{"text":391,"type":116,"marks":392},"gestión de recibos",[393],{"type":188,"attrs":394},{"href":395,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-recibos/",{"text":397,"type":116}," y de ",{"text":399,"type":116,"marks":400},"hojas de gastos",[401],{"type":188,"attrs":402},{"href":403,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":405,"type":116}," elimina la búsqueda de papel al cierre trimestral. Spendesk automatiza ese proceso: cada gasto lleva el recibo adjunto, la categoría de IVA asignada y el flujo de aprobación completo, lo que reduce a cero los justificantes perdidos cuando llega el momento de preparar el modelo 303.",{"type":160,"attrs":407,"content":408},{"level":162,"textAlign":25},[409],{"text":410,"type":116},"Preparar la documentación antes de la presentación",{"type":110,"attrs":412,"content":414},{"textAlign":25,"key":413},"p-12",[415],{"text":416,"type":116},"Antes de acceder a la sede electrónica de la AEAT, el equipo financiero necesita tener listos tres elementos: todas las facturas emitidas y recibidas categorizadas por tipo de IVA, los justificantes vinculados a cada transacción y las operaciones intracomunitarias identificadas y separadas.",{"type":110,"attrs":418,"content":420},{"textAlign":25,"key":419},"p-13",[421,423,429],{"text":422,"type":116},"La lista de verificación previa incluye confirmar que cada gasto tiene una factura completa, validar la categoría de IVA asignada y marcar los bienes de inversión (superiores a 3.005,06 €) por separado. Si la empresa trabaja con una gestoría, la calidad de los datos en el traspaso determina la rapidez de la presentación: un fichero limpio y categorizado ahorra días de ida y vuelta. Una ",{"text":424,"type":116,"marks":425},"gestión del gasto",[426],{"type":188,"attrs":427},{"href":428,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-gastos/",{"text":430,"type":116}," bien estructurada simplifica este paso.",{"type":110,"attrs":432,"content":434},{"textAlign":25,"key":433},"p-14",[435,437,443],{"text":436,"type":116},"En una empresa de 120 empleados, el responsable financiero etiqueta cada transacción con tarjeta con el tipo de IVA correspondiente en el momento de la compra. Al cierre del trimestre, los datos ya están listos para el modelo 303 en la AEAT. Spendesk facilita esa preparación: la categorización automática del gasto y los flujos de aprobación aseguran que cada transacción llega al ",{"text":438,"type":116,"marks":439},"cierre de mes",[440],{"type":188,"attrs":441},{"href":442,"uuid":25,"anchor":25,"target":191,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":444,"type":116}," con el tipo de IVA correcto, el justificante vinculado y la validación completada, lo que simplifica el traspaso a la gestoría o la presentación directa.",{"type":160,"attrs":446,"content":447},{"level":162,"textAlign":25},[448],{"text":449,"type":116},"Presentación telemática del modelo 303 en la sede electrónica",{"type":110,"attrs":451,"content":453},{"textAlign":25,"key":452},"p-15",[454],{"text":455,"type":116},"Desde 2023, toda la presentación del modelo 303 se realiza por vía electrónica. 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Esto significa que ya no se pierden los recibos.",{"type":110,"attrs":2458,"content":2459},{"textAlign":25},[2460],{"text":2461,"type":116},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":110,"attrs":2463,"content":2464},{"textAlign":25},[2465],{"text":2466,"type":116},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2468],{"cta":2469,"_uid":2470,"title":2471,"eyebrow":2478,"subtitle":2481,"component":160,"textAlign":90,"sectionSettings":2487,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":2472},[2473],{"type":160,"attrs":2474,"content":2475},{"level":162},[2476],{"text":2477,"type":116},"Empezar con Spendesk",{"type":107,"content":2479},[2480],{"type":110},{"type":107,"content":2482},[2483],{"type":110,"content":2484},[2485],{"text":2486,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2492,2630,2768,2896,3025,3164,3300,3436,3564,3661,3807,3941,4055,4147,4271],{"name":2493,"created_at":2494,"published_at":2495,"updated_at":2496,"id":2497,"uuid":2498,"content":2499,"slug":2618,"full_slug":2619,"sort_by_date":25,"position":2620,"tag_list":2621,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":2622,"first_published_at":2623,"release_id":25,"lang":32,"path":25,"alternates":2624,"default_full_slug":2625,"translated_slugs":2626},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-15T08:16:43.832Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":2500,"title":2493,"topics":2501,"noIndex":28,"category":2510,"language":2519,"component":548,"heroMedia":2520,"metaTitle":2521,"publishedAt":90,"readingTime":2522,"redirectUrl":90,"listingImage":2523,"metaDescription":2530,"bottomArticleCta":2531,"componentsAfterTheArticle":2532},"76408526-eb7e-480d-9298-165ef7536a41",[2502],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2503,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2504,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2505,"default_full_slug":147,"translated_slugs":2506,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2507,2508,2509],{"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":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":2511,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":2513,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":2514,"default_full_slug":555,"translated_slugs":2515,"_stopResolving":41},{"_uid":542,"icon":2512,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2516,2517,2518],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"name":25,"lang":32,"published":25},[32],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ","11",[2524],{"_uid":2525,"asset":2526,"caption":90,"component":573},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":2527,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2528,"copyright":90,"fieldtype":95,"meta_data":2529,"is_external_url":28},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[2533],{"_uid":2534,"items":2535,"heading":2596,"component":662},"6221f5fe-5233-4732-a676-7ada5b311e94",[2536,2546,2556,2566,2576,2586],{"_uid":2537,"title":2538,"component":583,"description":2539},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":107,"content":2540},[2541],{"type":110,"attrs":2542,"content":2543},{"textAlign":25},[2544],{"text":2545,"type":116},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":2547,"title":2548,"component":583,"description":2549},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":107,"content":2550},[2551],{"type":110,"attrs":2552,"content":2553},{"textAlign":25},[2554],{"text":2555,"type":116},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":2557,"title":2558,"component":583,"description":2559},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":2560},[2561],{"type":110,"attrs":2562,"content":2563},{"textAlign":25},[2564],{"text":2565,"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":2567,"title":2568,"component":583,"description":2569},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":2570},[2571],{"type":110,"attrs":2572,"content":2573},{"textAlign":25},[2574],{"text":2575,"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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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.",[2597],{"cta":2598,"_uid":2599,"title":2600,"eyebrow":2606,"subtitle":2611,"component":160,"textAlign":90,"flexibleSection":2616,"sectionSettings":2617,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":2601},[2602],{"type":160,"attrs":2603,"content":2604},{"level":162,"textAlign":25},[2605],{"text":649,"type":116},{"type":107,"content":2607},[2608],{"type":110,"attrs":2609,"content":2610},{"textAlign":25},[],{"type":107,"content":2612},[2613],{"type":110,"attrs":2614,"content":2615},{"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",[2627,2628,2629],{"path":2625,"name":25,"lang":37,"published":25},{"path":2625,"name":25,"lang":39,"published":25},{"path":2625,"name":25,"lang":32,"published":25},{"name":2631,"created_at":2632,"published_at":2633,"updated_at":2634,"id":2635,"uuid":2636,"content":2637,"slug":2756,"full_slug":2757,"sort_by_date":25,"position":2758,"tag_list":2759,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":2760,"first_published_at":2761,"release_id":25,"lang":32,"path":25,"alternates":2762,"default_full_slug":2763,"translated_slugs":2764},"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":2638,"title":2631,"topics":2639,"noIndex":28,"category":2648,"language":2657,"component":548,"heroMedia":2658,"metaTitle":2659,"publishedAt":2660,"readingTime":565,"redirectUrl":90,"listingImage":2661,"metaDescription":2668,"bottomArticleCta":2669,"componentsAfterTheArticle":2670},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2640],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2641,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2642,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2643,"default_full_slug":147,"translated_slugs":2644,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2645,2646,2647],{"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":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":2649,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":2651,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":2652,"default_full_slug":555,"translated_slugs":2653,"_stopResolving":41},{"_uid":542,"icon":2650,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2654,2655,2656],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00",[2662],{"_uid":2663,"asset":2664,"caption":90,"component":573},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":2665,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2666,"copyright":90,"fieldtype":95,"meta_data":2667,"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",[],[2671],{"_uid":2672,"items":2673,"heading":2734,"component":662},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2674,2684,2694,2704,2714,2724],{"_uid":2675,"title":2676,"component":583,"description":2677},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":2678},[2679],{"type":110,"attrs":2680,"content":2681},{"textAlign":25},[2682],{"text":2683,"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":2685,"title":2686,"component":583,"description":2687},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":2688},[2689],{"type":110,"attrs":2690,"content":2691},{"textAlign":25},[2692],{"text":2693,"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. 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Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":2705,"title":2706,"component":583,"description":2707},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":2708},[2709],{"type":110,"attrs":2710,"content":2711},{"textAlign":25},[2712],{"text":2713,"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. 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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.",[2735],{"cta":2736,"_uid":2737,"title":2738,"eyebrow":2744,"subtitle":2749,"component":160,"textAlign":90,"flexibleSection":2754,"sectionSettings":2755,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":107,"content":2739},[2740],{"type":160,"attrs":2741,"content":2742},{"level":162,"textAlign":25},[2743],{"text":649,"type":116},{"type":107,"content":2745},[2746],{"type":110,"attrs":2747,"content":2748},{"textAlign":25},[],{"type":107,"content":2750},[2751],{"type":110,"attrs":2752,"content":2753},{"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",[2765,2766,2767],{"path":2763,"name":25,"lang":37,"published":25},{"path":2763,"name":25,"lang":39,"published":25},{"path":2763,"name":25,"lang":32,"published":25},{"name":2769,"created_at":2770,"published_at":2771,"updated_at":2772,"id":2773,"uuid":2774,"content":2775,"slug":2884,"full_slug":2885,"sort_by_date":25,"position":2886,"tag_list":2887,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":2888,"first_published_at":2889,"release_id":25,"lang":32,"path":25,"alternates":2890,"default_full_slug":2891,"translated_slugs":2892},"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":2776,"title":2769,"topics":2777,"noIndex":28,"category":2786,"language":2795,"component":548,"heroMedia":2796,"metaTitle":2797,"publishedAt":2798,"readingTime":565,"redirectUrl":90,"listingImage":2799,"metaDescription":2806,"bottomArticleCta":2807,"componentsAfterTheArticle":2808},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2778],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2779,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2780,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2781,"default_full_slug":147,"translated_slugs":2782,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2783,2784,2785],{"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":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":2787,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":2789,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":2790,"default_full_slug":555,"translated_slugs":2791,"_stopResolving":41},{"_uid":542,"icon":2788,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2792,2793,2794],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00",[2800],{"_uid":2801,"asset":2802,"caption":90,"component":573},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":2803,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2804,"copyright":90,"fieldtype":95,"meta_data":2805,"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",[],[2809],{"_uid":2810,"items":2811,"heading":2862,"component":662},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[2812,2822,2832,2842,2852],{"_uid":2813,"title":2814,"component":583,"description":2815},"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":2816},[2817],{"type":110,"attrs":2818,"content":2819},{"textAlign":25},[2820],{"text":2821,"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":2823,"title":2824,"component":583,"description":2825},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":2826},[2827],{"type":110,"attrs":2828,"content":2829},{"textAlign":25},[2830],{"text":2831,"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":2833,"title":2834,"component":583,"description":2835},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":2836},[2837],{"type":110,"attrs":2838,"content":2839},{"textAlign":25},[2840],{"text":2841,"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":2843,"title":2844,"component":583,"description":2845},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":2846},[2847],{"type":110,"attrs":2848,"content":2849},{"textAlign":25},[2850],{"text":2851,"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":2853,"title":2854,"component":583,"description":2855},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":2856},[2857],{"type":110,"attrs":2858,"content":2859},{"textAlign":25},[2860],{"text":2861,"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. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[2863],{"cta":2864,"_uid":2865,"title":2866,"eyebrow":2872,"subtitle":2877,"component":160,"textAlign":90,"flexibleSection":2882,"sectionSettings":2883,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":2867},[2868],{"type":160,"attrs":2869,"content":2870},{"level":162,"textAlign":25},[2871],{"text":649,"type":116},{"type":107,"content":2873},[2874],{"type":110,"attrs":2875,"content":2876},{"textAlign":25},[],{"type":107,"content":2878},[2879],{"type":110,"attrs":2880,"content":2881},{"textAlign":25},[],[],[],"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",[2893,2894,2895],{"path":2891,"name":25,"lang":37,"published":25},{"path":2891,"name":25,"lang":39,"published":25},{"path":2891,"name":25,"lang":32,"published":25},{"name":2897,"created_at":2898,"published_at":2899,"updated_at":2900,"id":2901,"uuid":2902,"content":2903,"slug":3013,"full_slug":3014,"sort_by_date":25,"position":3015,"tag_list":3016,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":3017,"first_published_at":3018,"release_id":25,"lang":32,"path":25,"alternates":3019,"default_full_slug":3020,"translated_slugs":3021},"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":2904,"title":2897,"topics":2905,"noIndex":28,"category":2914,"language":2923,"component":548,"heroMedia":2924,"metaTitle":2925,"publishedAt":2926,"readingTime":2927,"redirectUrl":90,"listingImage":2928,"metaDescription":2935,"bottomArticleCta":2936,"componentsAfterTheArticle":2937},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[2906],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":2907,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":2908,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":2909,"default_full_slug":147,"translated_slugs":2910,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[2911,2912,2913],{"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":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":2915,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":2917,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":2918,"default_full_slug":555,"translated_slugs":2919,"_stopResolving":41},{"_uid":542,"icon":2916,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[2920,2921,2922],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00","13",[2929],{"_uid":2930,"asset":2931,"caption":90,"component":573},"71b7f715-948b-4a24-8379-000055d9922b",{"id":2932,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2933,"copyright":90,"fieldtype":95,"meta_data":2934,"is_external_url":28},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",[],[2938],{"_uid":2939,"items":2940,"heading":2991,"component":662},"392b2cba-2459-4fae-9ca3-82a370a248fc",[2941,2951,2961,2971,2981],{"_uid":2942,"title":2943,"component":583,"description":2944},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":2945},[2946],{"type":110,"attrs":2947,"content":2948},{"textAlign":25},[2949],{"text":2950,"type":116},"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":2952,"title":2953,"component":583,"description":2954},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":2955},[2956],{"type":110,"attrs":2957,"content":2958},{"textAlign":25},[2959],{"text":2960,"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":2962,"title":2963,"component":583,"description":2964},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":2965},[2966],{"type":110,"attrs":2967,"content":2968},{"textAlign":25},[2969],{"text":2970,"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":2972,"title":2973,"component":583,"description":2974},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":2975},[2976],{"type":110,"attrs":2977,"content":2978},{"textAlign":25},[2979],{"text":2980,"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":2982,"title":2983,"component":583,"description":2984},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":2985},[2986],{"type":110,"attrs":2987,"content":2988},{"textAlign":25},[2989],{"text":2990,"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.",[2992],{"cta":2993,"_uid":2994,"title":2995,"eyebrow":3001,"subtitle":3006,"component":160,"textAlign":90,"flexibleSection":3011,"sectionSettings":3012,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":2996},[2997],{"type":160,"attrs":2998,"content":2999},{"level":162,"textAlign":25},[3000],{"text":649,"type":116},{"type":107,"content":3002},[3003],{"type":110,"attrs":3004,"content":3005},{"textAlign":25},[],{"type":107,"content":3007},[3008],{"type":110,"attrs":3009,"content":3010},{"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",[3022,3023,3024],{"path":3020,"name":25,"lang":37,"published":25},{"path":3020,"name":25,"lang":39,"published":25},{"path":3020,"name":25,"lang":32,"published":25},{"name":3026,"created_at":3027,"published_at":3028,"updated_at":3029,"id":3030,"uuid":3031,"content":3032,"slug":3152,"full_slug":3153,"sort_by_date":25,"position":3154,"tag_list":3155,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":3156,"first_published_at":3157,"release_id":25,"lang":32,"path":25,"alternates":3158,"default_full_slug":3159,"translated_slugs":3160},"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":3033,"title":3026,"topics":3034,"noIndex":28,"category":3043,"language":3052,"component":548,"heroMedia":3053,"metaTitle":3054,"publishedAt":3055,"readingTime":3056,"redirectUrl":90,"listingImage":3057,"metaDescription":3064,"bottomArticleCta":3065,"componentsAfterTheArticle":3066},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[3035],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3036,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3037,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3038,"default_full_slug":147,"translated_slugs":3039,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3040,3041,3042],{"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":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":3044,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":3046,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":3047,"default_full_slug":555,"translated_slugs":3048,"_stopResolving":41},{"_uid":542,"icon":3045,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3049,3050,3051],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"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",[3058],{"_uid":3059,"asset":3060,"caption":90,"component":573},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":3061,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3062,"copyright":90,"fieldtype":95,"meta_data":3063,"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",[],[3067],{"_uid":3068,"items":3069,"heading":3130,"component":662},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[3070,3080,3090,3100,3110,3120],{"_uid":3071,"title":3072,"component":583,"description":3073},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":3074},[3075],{"type":110,"attrs":3076,"content":3077},{"textAlign":25},[3078],{"text":3079,"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":3081,"title":3082,"component":583,"description":3083},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":3084},[3085],{"type":110,"attrs":3086,"content":3087},{"textAlign":25},[3088],{"text":3089,"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":3091,"title":3092,"component":583,"description":3093},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":3094},[3095],{"type":110,"attrs":3096,"content":3097},{"textAlign":25},[3098],{"text":3099,"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":3101,"title":3102,"component":583,"description":3103},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":3104},[3105],{"type":110,"attrs":3106,"content":3107},{"textAlign":25},[3108],{"text":3109,"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":3111,"title":3112,"component":583,"description":3113},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":3114},[3115],{"type":110,"attrs":3116,"content":3117},{"textAlign":25},[3118],{"text":3119,"type":116},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. 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Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":3741,"title":3742,"component":583,"description":3743},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":3744},[3745],{"type":110,"attrs":3746,"content":3747},{"textAlign":25},[3748],{"text":3749,"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. 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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":3771,"title":3772,"component":583,"description":3773},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":3774},[3775],{"type":110,"attrs":3776,"content":3777},{"textAlign":25},[3778,3780,3786,3788,3794],{"text":3779,"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. 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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":3880,"title":3881,"component":583,"description":3882},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":3883},[3884],{"type":110,"attrs":3885,"content":3886},{"textAlign":25},[3887],{"text":3888,"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":3890,"title":3891,"component":583,"description":3892},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":3893},[3894],{"type":110,"attrs":3895,"content":3896},{"textAlign":25},[3897],{"text":3898,"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":3900,"title":3901,"component":583,"description":3902},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":3903},[3904],{"type":110,"attrs":3905,"content":3906},{"textAlign":25},[3907],{"text":3908,"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":3910,"title":3911,"component":583,"description":3912},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":3913},[3914],{"type":110,"attrs":3915,"content":3916},{"textAlign":25},[3917],{"text":3918,"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":3920,"title":3921,"component":583,"description":3922},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":3923},[3924],{"type":110,"attrs":3925,"content":3926},{"textAlign":25},[3927],{"text":3928,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1700,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[3938,3939,3940],{"path":3936,"name":25,"lang":37,"published":25},{"path":3936,"name":25,"lang":39,"published":25},{"path":3936,"name":25,"lang":32,"published":25},{"name":3942,"created_at":3943,"published_at":3944,"updated_at":3945,"id":3946,"uuid":3947,"content":3948,"slug":4043,"full_slug":4044,"sort_by_date":25,"position":4045,"tag_list":4046,"is_startpage":28,"parent_id":667,"meta_data":25,"group_id":4047,"first_published_at":4048,"release_id":25,"lang":32,"path":25,"alternates":4049,"default_full_slug":4050,"translated_slugs":4051},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-07-15T12:07:42.594Z","2026-07-24T12:31:34.749Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":3949,"title":3942,"topics":3950,"noIndex":28,"category":3967,"language":3976,"component":548,"heroMedia":3977,"metaTitle":3978,"publishedAt":3979,"readingTime":2522,"redirectUrl":90,"listingImage":3980,"metaDescription":3987,"bottomArticleCta":3988,"componentsAfterTheArticle":3989},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[3951,3959],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3952,"slug":139,"full_slug":140,"sort_by_date":25,"position":141,"tag_list":3953,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":144,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3954,"default_full_slug":147,"translated_slugs":3955,"_stopResolving":41},{"_uid":138,"name":132,"component":22},[],[],[3956,3957,3958],{"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":3680,"created_at":3681,"published_at":16,"updated_at":3682,"id":3683,"uuid":3684,"content":3960,"slug":3686,"full_slug":3687,"sort_by_date":25,"position":141,"tag_list":3961,"is_startpage":28,"parent_id":143,"meta_data":25,"group_id":3689,"first_published_at":145,"release_id":25,"lang":32,"path":25,"alternates":3962,"default_full_slug":3691,"translated_slugs":3963,"_stopResolving":41},{"_uid":138,"name":3680,"component":22},[],[],[3964,3965,3966],{"path":3691,"name":25,"lang":37,"published":25},{"path":3691,"name":25,"lang":39,"published":25},{"path":3691,"name":25,"lang":32,"published":25},{"name":536,"created_at":537,"published_at":16,"updated_at":538,"id":539,"uuid":540,"content":3968,"slug":548,"full_slug":549,"sort_by_date":25,"position":52,"tag_list":3970,"is_startpage":28,"parent_id":551,"meta_data":25,"group_id":552,"first_published_at":553,"release_id":25,"lang":32,"path":25,"alternates":3971,"default_full_slug":555,"translated_slugs":3972,"_stopResolving":41},{"_uid":542,"icon":3969,"name":536,"component":547},{"id":544,"alt":545,"name":90,"focus":90,"title":90,"filename":546,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3973,3974,3975],{"path":555,"name":25,"lang":37,"published":25},{"path":555,"name":25,"lang":39,"published":25},{"path":555,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co","2026-04-23 00:00",[3981],{"_uid":3982,"asset":3983,"caption":90,"component":573},"4fe17535-01b6-4bff-824b-48b60abdd21e",{"id":3984,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3985,"copyright":90,"fieldtype":95,"meta_data":3986,"is_external_url":28},198046573614420,"https://a.storyblok.com/f/146026/2752x1536/730e5385e7/spendesk_blog_cover_ley_crea_crece.jpg",{},"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[3990],{"_uid":3991,"items":3992,"heading":1201,"component":662},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[3993,4003,4013,4023,4033],{"_uid":3994,"title":3995,"component":583,"description":3996},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":3997},[3998],{"type":110,"attrs":3999,"content":4000},{"textAlign":25},[4001],{"text":4002,"type":116},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":4004,"title":4005,"component":583,"description":4006},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":4007},[4008],{"type":110,"attrs":4009,"content":4010},{"textAlign":25},[4011],{"text":4012,"type":116},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":4014,"title":4015,"component":583,"description":4016},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":4017},[4018],{"type":110,"attrs":4019,"content":4020},{"textAlign":25},[4021],{"text":4022,"type":116},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":4024,"title":4025,"component":583,"description":4026},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":4027},[4028],{"type":110,"attrs":4029,"content":4030},{"textAlign":25},[4031],{"text":4032,"type":116},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. Sin embargo, las empresas que no cumplan con la obligación de comunicar el estado de pago de sus facturas pueden quedar excluidas de estas ayudas y otras subvenciones públicas.",{"_uid":4034,"title":4035,"component":583,"description":4036},"99ebd368-a143-4754-889a-43a7c65883da","¿Se aplica la Ley Crea y Crece en el País Vasco y Navarra?",{"type":107,"content":4037},[4038],{"type":110,"attrs":4039,"content":4040},{"textAlign":25},[4041],{"text":4042,"type":116},"No. Los territorios forales tienen competencia fiscal propia. En el País Vasco, el sistema TicketBAI lleva operativo desde 2022 y sustituye al régimen nacional. Navarra tiene su propia regulación. 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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":4337,"title":4338,"component":583,"description":4339},"f8113b07-f903-48bd-bac6-e083aec545d4","¿En qué se diferencia una factura simplificada de una factura completa?",{"type":107,"content":4340},[4341],{"type":110,"content":4342},[4343],{"text":4344,"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":4346,"title":4347,"component":583,"description":4348},"320862d1-c124-4a8b-9ed8-0bbd705a4985","¿Cómo incorpora Spendesk facturas simplificadas en la contabilidad y el IVA?",{"type":107,"content":4349},[4350],{"type":110,"content":4351},[4352],{"text":4353,"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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