[{"data":1,"prerenderedAt":2779},["ShallowReactive",2],{"es-blog/pagos-sepa-espana-2026":3,"es-global-content":639,"es-article-global-content":1951,"es-blog-article-more-articles-193434575881456":2204},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":626,"full_slug":627,"sort_by_date":25,"position":628,"tag_list":629,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":631,"first_published_at":632,"release_id":25,"lang":32,"path":25,"alternates":633,"default_full_slug":634,"translated_slugs":635},"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","2026-11-03T12:15:29.570Z","2026-11-03T12:15:29.594Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":11,"roles":12,"title":4,"author":80,"topics":139,"content":168,"noIndex":28,"category":496,"language":521,"component":509,"heroMedia":522,"metaTitle":523,"sidebarCta":524,"publishedAt":525,"readingTime":526,"redirectUrl":99,"listingImage":527,"metaDescription":535,"bottomArticleCta":536,"componentsAfterTheArticle":537},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[13,42,62],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":34,"translated_slugs":35,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":21,"name":14,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","tag","cfo","es/blog/role/cfo",null,-10,[],false,190903385,"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z","es",[],"blog/role/cfo",[36,38,40],{"path":34,"name":25,"lang":37,"published":25},"fr",{"path":34,"name":25,"lang":39,"published":25},"de",{"path":34,"name":25,"lang":32,"published":25},true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":50,"full_slug":51,"sort_by_date":25,"position":52,"tag_list":53,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":54,"first_published_at":55,"release_id":25,"lang":32,"path":25,"alternates":56,"default_full_slug":57,"translated_slugs":58,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":49,"name":43,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","finance-manager","es/blog/role/finance-manager",0,[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],"blog/role/finance-manager",[59,60,61],{"path":57,"name":25,"lang":37,"published":25},{"path":57,"name":25,"lang":39,"published":25},{"path":57,"name":25,"lang":32,"published":25},{"name":63,"created_at":64,"published_at":16,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":69,"full_slug":70,"sort_by_date":25,"position":52,"tag_list":71,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":72,"first_published_at":73,"release_id":25,"lang":32,"path":25,"alternates":74,"default_full_slug":75,"translated_slugs":76,"_stopResolving":41},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":49,"name":63,"component":22},"financial-controller","es/blog/role/financial-controller",[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],"blog/role/financial-controller",[77,78,79],{"path":75,"name":25,"lang":37,"published":25},{"path":75,"name":25,"lang":39,"published":25},{"path":75,"name":25,"lang":32,"published":25},{"name":81,"created_at":82,"published_at":83,"updated_at":84,"id":85,"uuid":86,"content":87,"slug":126,"full_slug":127,"sort_by_date":25,"position":128,"tag_list":129,"is_startpage":28,"parent_id":130,"meta_data":25,"group_id":131,"first_published_at":132,"release_id":25,"lang":32,"path":25,"alternates":133,"default_full_slug":134,"translated_slugs":135,"_stopResolving":41},"Spendesk","2022-10-19T17:36:24.519Z","2026-09-29T08:35:15.730Z","2026-09-29T08:35:15.747Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"seo":88,"_uid":96,"name":81,"links":97,"picture":111,"lastName":113,"component":114,"firstName":81,"description":115},[89],{"_uid":90,"noIndex":28,"component":91,"metaFields":92},"9456e3d2-a528-4a1f-ad6b-14924525deea","seo",{"_uid":93,"title":94,"plugin":95},"55c65c77-c766-4878-92c0-647ac9314a32","Equipo Spendesk | Blog Spendesk","meta-fields","89813b57-3ec3-4169-890b-393e41c6d7ea",[98],{"tag":99,"_uid":100,"icon":101,"link":105,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":102,"alt":99,"name":99,"focus":99,"title":99,"filename":103,"copyright":99,"fieldtype":104,"is_external_url":28},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":99,"url":106,"linktype":107,"fieldtype":108,"cached_url":106},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":112,"name":99,"focus":99,"title":99,"filename":112,"copyright":99,"fieldtype":104,"is_external_url":28},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":116,"content":117},"doc",[118],{"type":119,"attrs":120,"content":122},"paragraph",{"textAlign":25,"key":121},"p-0",[123],{"text":124,"type":125},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[136,137,138],{"path":134,"name":25,"lang":37,"published":25},{"path":134,"name":25,"lang":39,"published":25},{"path":134,"name":25,"lang":32,"published":25},[140],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":147,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":158,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":162,"default_full_slug":163,"translated_slugs":164,"_stopResolving":41},"Facturas","2023-04-12T07:18:47.128Z","2026-09-29T09:14:29.303Z","2026-09-29T09:14:29.321Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"seo":148,"_uid":154,"name":141,"component":22},[149],{"_uid":150,"noIndex":28,"component":91,"metaFields":151},"839d8efc-7d4e-49fa-8d71-15dd1a67b56a",{"_uid":152,"plugin":95,"description":153},"edc91a7f-a4bd-46d6-9fdf-b754d326e82b","Todo sobre la gestion de facturas: recepcion, aprobacion y pago de facturas de proveedores con menos trabajo manual.","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",[165,166,167],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"type":116,"content":169},[170,175,182,206,212,218,224,229,234,239,244,257,270,275,281,295,301,315,320,326,332,338,344,350,415,421,443,448,470,484,490],{"type":119,"attrs":171,"content":172},{"textAlign":25,"key":121},[173],{"text":174,"type":125},"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 de la cuenta no coincide con el IBAN, el banco te avisa y, en algunos casos, la operación se detiene. A esto se suma un segundo cambio: a partir del 15 de noviembre de 2026, los ficheros de pago SEPA deben incluir las direcciones de los beneficiarios en formato estructurado, no como texto libre. Ambos cambios afectan directamente al equipo de tesorería y cuentas a pagar. Este artículo explica qué implica cada uno, cómo comprobar el IBAN y los datos de proveedores antes de un pago masivo, y qué ajustes técnicos conviene abordar antes de noviembre.",{"type":176,"attrs":177,"content":179},"heading",{"level":178,"textAlign":25},2,[180],{"text":181,"type":125},"La verificación del beneficiario ya bloquea transferencias SEPA con datos incorrectos",{"type":119,"attrs":183,"content":185},{"textAlign":25,"key":184},"p-1",[186,188,196,198,204],{"text":187,"type":125},"La verificación del beneficiario (Verification of Payee, VoP) es obligatoria en toda la zona SEPA desde el 9 de octubre de 2025, según el ",{"text":189,"type":125,"marks":190},"Reglamento (UE) 2024/886",[191],{"type":192,"attrs":193},"link",{"href":194,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.boe.es/buscar/doc.php?id=DOUE-L-2024-80392","_blank",{"text":197,"type":125},". El ",{"text":199,"type":125,"marks":200},"Banco de España",[201],{"type":192,"attrs":202},{"href":203,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://clientebancario.bde.es/pcb/es/blog/nuevo-servicio-gratuito-de-verificacion-del-beneficiario-a-partir-del-9-de-octubre-de-2025-.html",{"text":205,"type":125}," confirma que el servicio es gratuito para todos los clientes. Antes de que el banco ejecute cualquier transferencia SEPA, comprueba el nombre del beneficiario con la entidad receptora y devuelve uno de cuatro resultados: coincide, coincide parcialmente, no coincide o no está disponible.",{"type":119,"attrs":207,"content":209},{"textAlign":25,"key":208},"p-2",[210],{"text":211,"type":125},"Cuando el resultado es \"no coincide\", el banco emisor muestra una alerta. El ordenante puede decidir continuar, pero asume el riesgo: si la transferencia resulta fraudulenta, la entidad financiera puede negarse a reembolsar el importe. En el caso de empresas, la verificación contrasta el nombre registrado de la sociedad, y puede utilizar identificadores como el NIF, el EUID o el LEI.",{"type":119,"attrs":213,"content":215},{"textAlign":25,"key":214},"p-3",[216],{"text":217,"type":125},"Un Responsable de Tesorería que lanza un lote de 40 pagos a proveedores un viernes por la tarde puede encontrarse con tres transferencias marcadas como \"no coincide\" porque uno de los proveedores cambió su razón social tras una fusión y nadie actualizó los datos maestros. El lote completo se retrasa, los proveedores reclaman y el cierre semanal se complica.",{"type":119,"attrs":219,"content":221},{"textAlign":25,"key":220},"p-4",[222],{"text":223,"type":125},"La verificación es gratuita y automática; la realiza el banco como parte del proceso de la transferencia SEPA. Lo que sí exige es que los datos que tu empresa envía en el fichero de pago sean exactos.",{"type":176,"attrs":225,"content":226},{"level":178,"textAlign":25},[227],{"text":228,"type":125},"Cómo comprobar el IBAN y los datos de proveedores antes de un pago masivo",{"type":119,"attrs":230,"content":231},{"textAlign":25,"key":121},[232],{"text":233,"type":125},"La validación de un IBAN tiene dos capas distintas, y conviene entender ambas para evitar rechazos.",{"type":119,"attrs":235,"content":236},{"textAlign":25,"key":184},[237],{"text":238,"type":125},"La primera es la validación estructural. Consiste en verificar que el IBAN tiene el código de país correcto, la longitud adecuada (24 caracteres para España) y que los dígitos de control son coherentes. Cualquier comprobador de IBAN realiza esta verificación en segundos. Un Controller en una empresa de 120 empleados que copia un IBAN desde una factura en PDF y pega el dato en el ERP puede detectar un dígito erróneo de forma inmediata con este tipo de validación, evitando una comisión por rechazo y un retraso en el pago al proveedor.",{"type":119,"attrs":240,"content":241},{"textAlign":25,"key":208},[242],{"text":243,"type":125},"La segunda capa es la verificación del nombre del titular, que es precisamente lo que hace la VoP. Un IBAN puede ser estructuralmente correcto y, sin embargo, pertenecer a una cuenta cuyo titular no coincide con el proveedor al que pretendes pagar.",{"type":119,"attrs":245,"content":246},{"textAlign":25,"key":214},[247,249,255],{"text":248,"type":125},"Una buena ",{"text":250,"type":125,"marks":251},"gestión de las cuentas por pagar",[252],{"type":192,"attrs":253},{"href":254,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":256,"type":125}," empieza por tener datos limpios. Para preparar un lote de pagos con garantías, conviene seguir un proceso ordenado. Primero, exporta los datos maestros de proveedores desde tu ERP o software contable: razón social, IBAN, dirección y NIF. Segundo, ejecuta una validación estructural de todos los IBAN para descartar errores de formato. Tercero, contrasta las razones sociales con la documentación oficial del proveedor o con el Registro Mercantil; el nombre debe coincidir exactamente con el que la entidad bancaria tiene registrado. Cuarto, para proveedores nuevos, solicita un certificado de titularidad bancaria antes de registrar el IBAN en el sistema. Quinto, revisa los registros que no se hayan verificado en los últimos 12 meses y colócalos en una cola de revisión antes del siguiente pago masivo.",{"type":119,"attrs":258,"content":259},{"textAlign":25,"key":220},[260,262,268],{"text":261,"type":125},"Este proceso de comprobar el IBAN de cada cuenta no es un trámite puntual; es una práctica recurrente que debería ejecutarse antes de cada ciclo de pagos. Conviene también comprobar el IBAN de la cuenta de destino cuando un proveedor comunica un cambio de entidad bancaria. La ",{"text":263,"type":125,"marks":264},"conciliación bancaria",[265],{"type":192,"attrs":266},{"href":267,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":269,"type":125}," posterior confirmará que los importes pagados coinciden con los registros internos.",{"type":176,"attrs":271,"content":272},{"level":178,"textAlign":25},[273],{"text":274,"type":125},"El fraude en transferencias a proveedores y el papel de la verificación del beneficiario",{"type":119,"attrs":276,"content":278},{"textAlign":25,"key":277},"p-5",[279],{"text":280,"type":125},"Las transferencias SEPA son el canal de pago dominante en toda la zona SEPA, que abarca 36 países europeos, y también la principal vía de entrada de dos tipos de fraude que afectan a los equipos de cuentas a pagar.",{"type":119,"attrs":282,"content":284},{"textAlign":25,"key":283},"p-6",[285,287,293],{"text":286,"type":125},"El primero es la suplantación de proveedor. Un atacante envía un correo electrónico convincente, a menudo desde una dirección casi idéntica a la del proveedor real, solicitando un cambio de cuenta bancaria. Sin la verificación del beneficiario, el equipo de cuentas a pagar no dispone de un mecanismo automático para detectar que la nueva cuenta no pertenece al proveedor. Una ",{"text":288,"type":125,"marks":289},"gestión de facturas",[290],{"type":192,"attrs":291},{"href":292,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":294,"type":125}," rigurosa ayuda a detectar estas inconsistencias, pero no sustituye la verificación bancaria. Un especialista de cuentas a pagar que recibe esta solicitud y actualiza el IBAN en el sistema puede no descubrir el fraude hasta semanas después, cuando el proveedor legítimo reclama el pago pendiente. Con la VoP activa, la siguiente transferencia bancaria SEPA devuelve \"no coincide\" porque el titular de la cuenta nueva no corresponde con la razón social del proveedor.",{"type":119,"attrs":296,"content":298},{"textAlign":25,"key":297},"p-7",[299],{"text":300,"type":125},"El segundo es el fraude al CEO: una solicitud de pago urgente desde una dirección que imita a un directivo de la empresa. La VoP señala la discrepancia entre el nombre del supuesto receptor y el titular real de la cuenta.",{"type":119,"attrs":302,"content":304},{"textAlign":25,"key":303},"p-8",[305,307,313],{"text":306,"type":125},"La verificación no elimina todo el fraude, pero añade una capa de control a nivel de infraestructura bancaria, complementaria a los controles internos de la empresa. Además, si la entidad financiera no ejecuta la verificación correctamente y se produce una transferencia fraudulenta, el Reglamento (UE) 2024/886 obliga al banco a reembolsar al ordenante, como detalla la ",{"text":308,"type":125,"marks":309},"Abogacía Española",[310],{"type":192,"attrs":311},{"href":312,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.abogacia.es/publicaciones/blogs/blog-de-derecho-de-los-los-consumidores/verificacion-del-beneficiario-en-las-transferencias-un-paso-crucial-para-la-transparencia-y-seguridad-financiera/",{"text":314,"type":125}," en su análisis del marco legal.",{"type":176,"attrs":316,"content":317},{"level":178,"textAlign":25},[318],{"text":319,"type":125},"La limpieza de datos de proveedores como proyecto de cumplimiento normativo",{"type":119,"attrs":321,"content":323},{"textAlign":25,"key":322},"p-9",[324],{"text":325,"type":125},"La convergencia de la VoP y el nuevo formato de dirección estructurada convierte la limpieza de datos de proveedores en un proyecto de cumplimiento normativo con fecha límite, no en una tarea que se pueda ir posponiendo.",{"type":119,"attrs":327,"content":329},{"textAlign":25,"key":328},"p-10",[330],{"text":331,"type":125},"El primer paso es dimensionar el alcance. Una empresa de 200 empleados con 300 proveedores activos puede descubrir que el 15 % de sus registros tiene discrepancias en el nombre: \"Transportes García\" en el sistema interno frente a \"Transportes García López S.L.\" en los registros bancarios. Corregir cada caso manualmente requiere entre 10 y 15 minutos de verificación documental. A escala, el proyecto puede consumir semanas de trabajo del equipo de cuentas a pagar.",{"type":119,"attrs":333,"content":335},{"textAlign":25,"key":334},"p-11",[336],{"text":337,"type":125},"Los campos que necesitan revisión son cuatro: razón social (debe coincidir exactamente con el registro bancario), IBAN (validación estructural más verificación de titularidad previa a la VoP), dirección (debe estar en formato estructurado antes de noviembre de 2026) y NIF.",{"type":176,"attrs":339,"content":341},{"level":340,"textAlign":25},3,[342],{"text":343,"type":125},"Tu equipo de cuentas a pagar puede prepararse para la VoP y la dirección estructurada antes de noviembre de 2026",{"type":119,"attrs":345,"content":347},{"textAlign":25,"key":346},"p-12",[348],{"text":349,"type":125},"La VoP ya está activa y el plazo de dirección estructurada vence en noviembre de 2026. Estas son las acciones que tu equipo de cuentas a pagar debería completar antes de esa fecha para garantizar que ninguno de los dos requisitos bloquee tus pagos SEPA.",{"type":351,"content":352},"ordered_list",[353,367,379,391,403],{"type":354,"content":355},"list_item",[356],{"type":119,"attrs":357,"content":359},{"textAlign":25,"key":358},"p-13",[360,365],{"text":361,"type":125,"marks":362},"Audita la razón social en tu ERP contra los registros bancarios.",[363],{"type":364},"bold",{"text":366,"type":125}," El nombre debe coincidir de forma exacta con el que la entidad receptora tiene registrado. Una discrepancia, aunque sea una abreviatura o la omisión del \"S.L.\", provocará un resultado \"no coincide\" en la VoP.",{"type":354,"content":368},[369],{"type":119,"attrs":370,"content":372},{"textAlign":25,"key":371},"p-14",[373,377],{"text":374,"type":125,"marks":375},"Ejecuta una validación estructural de IBAN en todos los proveedores activos.",[376],{"type":364},{"text":378,"type":125}," Para cualquier proveedor incorporado en los últimos 12 meses sin certificado de titularidad bancaria, solicítalo antes del siguiente ciclo de pagos.",{"type":354,"content":380},[381],{"type":119,"attrs":382,"content":384},{"textAlign":25,"key":383},"p-15",[385,389],{"text":386,"type":125,"marks":387},"Convierte las direcciones de texto libre a formato estructurado.",[388],{"type":364},{"text":390,"type":125}," Separa cada dirección en campos independientes: calle, número, código postal, ciudad y país. El formato pain.001 exigirá estos campos desglosados a partir de noviembre de 2026.",{"type":354,"content":392},[393],{"type":119,"attrs":394,"content":396},{"textAlign":25,"key":395},"p-16",[397,401],{"text":398,"type":125,"marks":399},"Cruza el NIF de cada proveedor con el Registro Mercantil o el censo de la AEAT.",[400],{"type":364},{"text":402,"type":125}," Esto confirma que la entidad está activa y que los datos fiscales son coherentes con el resto del registro.",{"type":354,"content":404},[405],{"type":119,"attrs":406,"content":408},{"textAlign":25,"key":407},"p-17",[409,413],{"text":410,"type":125,"marks":411},"Marca cualquier registro de proveedor no revisado en los últimos 12 meses y programa su verificación antes del próximo ciclo de pagos.",[412],{"type":364},{"text":414,"type":125}," Los registros obsoletos son la causa más frecuente de rechazos en lotes masivos.",{"type":119,"attrs":416,"content":418},{"textAlign":25,"key":417},"p-18",[419],{"text":420,"type":125},"Los errores más habituales son nombres abreviados que no coinciden con los registros bancarios, IBAN de cuentas cerradas que nunca se actualizaron y direcciones almacenadas como texto libre en un solo campo.",{"type":119,"attrs":422,"content":424},{"textAlign":25,"key":423},"p-19",[425,427,433,435,441],{"text":426,"type":125},"Las plataformas de ",{"text":428,"type":125,"marks":429},"automatización de cuentas a pagar",[430],{"type":192,"attrs":431},{"href":432,"uuid":25,"anchor":25,"target":195,"linktype":107},"/es/product/accounts-payable/",{"text":434,"type":125}," que centralizan los datos de proveedores, validan el IBAN en el momento de la recepción de la factura y generan ficheros de pago SEPA reducen la carga manual de este tipo de proyectos. Combinadas con un flujo de ",{"text":436,"type":125,"marks":437},"procesamiento de facturas de proveedores",[438],{"type":192,"attrs":439},{"href":440,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":442,"type":125}," digitalizado, la limpieza de datos deja de ser un proyecto aislado. Cuando los datos del proveedor se capturan y verifican en el punto de procesamiento de la factura, la información ya está limpia antes de llegar al fichero de pago. Spendesk, que integra el procesamiento de facturas con OCR, los flujos de aprobación configurables y el pago a proveedores vía SEPA en una sola plataforma, permite abordar esta limpieza como parte del flujo habitual de trabajo, no como un proyecto paralelo.",{"type":176,"attrs":444,"content":445},{"level":178,"textAlign":25},[446],{"text":447,"type":125},"El plazo de dirección estructurada del 15 de noviembre de 2026 y sus implicaciones técnicas",{"type":119,"attrs":449,"content":451},{"textAlign":25,"key":450},"p-20",[452,454,460,462,468],{"text":453,"type":125},"A partir del 15 de noviembre de 2026, los ficheros de pago SEPA en formato pain.001 deben incluir la dirección del beneficiario desglosada en campos independientes: nombre de la calle, número del edificio, código postal, ciudad y país. Las líneas de dirección en texto libre dejarán de ser válidas, según las especificaciones del ",{"text":455,"type":125,"marks":456},"European Payments Council (EPC)",[457],{"type":192,"attrs":458},{"href":459,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.europeanpaymentscouncil.eu/document-library/guidance-documents/epc-guidance-document-provision-addresses-under-epc-payment",{"text":461,"type":125},". Un ",{"text":463,"type":125,"marks":464},"análisis detallado del plazo",[465],{"type":192,"attrs":466},{"href":467,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://clearingpost.com/insights/iso-20022-structured-address-deadline-november-2026/",{"text":469,"type":125}," confirma que el formato no estructurado dejará de aceptarse a partir de esa fecha.",{"type":119,"attrs":471,"content":473},{"textAlign":25,"key":472},"p-21",[474,476,482],{"text":475,"type":125},"Este cambio afecta a cada sistema que genera XML SEPA: ERPs, software contable y plataformas de pago. Las empresas que ya se han adaptado a la ",{"text":477,"type":125,"marks":478},"factura electrónica obligatoria",[479],{"type":192,"attrs":480},{"href":481,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":483,"type":125}," bajo la Ley Crea y Crece conocen bien este tipo de transición de formato. Un DAF que revisa el sistema contable de su empresa puede descubrir que las direcciones de proveedores se almacenan como \"Calle Mayor 15, 28001 Madrid\" en un solo campo. El nuevo formato exige campos separados: calle \"Calle Mayor\", número \"15\", código postal \"28001\", ciudad \"Madrid\", país \"ES\". Si el proveedor del software no ha publicado la actualización correspondiente y la fecha límite está cada vez más cerca, el riesgo de rechazo de ficheros de pago es real.",{"type":119,"attrs":485,"content":487},{"textAlign":25,"key":486},"p-22",[488],{"text":489,"type":125},"Las entidades bancarias rechazarán los ficheros que no cumplan con el nuevo formato, lo que significa que los pagos SEPA de las empresas que no hayan adaptado sus sistemas quedarán bloqueados.",{"type":119,"attrs":491,"content":493},{"textAlign":25,"key":492},"p-23",[494],{"text":495,"type":125},"Las plataformas de pago que generan ficheros SEPA XML de forma nativa pueden absorber esta transición de formato internamente. El equipo de cuentas a pagar actualiza la dirección del proveedor una vez en la plataforma, y el sistema genera el XML con la estructura de dirección conforme al nuevo estándar. Spendesk gestiona la generación de ficheros de pago SEPA como parte de su flujo de cuentas a pagar, lo que simplifica la adaptación al nuevo requisito sin necesidad de edición manual de ficheros XML.",{"name":497,"created_at":498,"published_at":16,"updated_at":499,"id":500,"uuid":501,"content":502,"slug":509,"full_slug":510,"sort_by_date":25,"position":52,"tag_list":511,"is_startpage":28,"parent_id":512,"meta_data":25,"group_id":513,"first_published_at":514,"release_id":25,"lang":32,"path":25,"alternates":515,"default_full_slug":516,"translated_slugs":517,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":503,"icon":504,"name":497,"component":508},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":505,"alt":506,"name":99,"focus":99,"title":99,"filename":507,"copyright":99,"fieldtype":104,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[518,519,520],{"path":516,"name":25,"lang":37,"published":25},{"path":516,"name":25,"lang":39,"published":25},{"path":516,"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",[528],{"_uid":529,"asset":530,"caption":99,"component":534},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":531,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":532,"copyright":99,"fieldtype":104,"meta_data":533,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"image","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",[],[538],{"_uid":539,"items":540,"heading":602,"component":625},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[541,552,562,572,582,592],{"_uid":542,"title":543,"component":544,"description":545},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?","faqItem",{"type":116,"content":546},[547],{"type":119,"attrs":548,"content":549},{"textAlign":25,"key":121},[550],{"text":551,"type":125},"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":553,"title":554,"component":544,"description":555},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":116,"content":556},[557],{"type":119,"attrs":558,"content":559},{"textAlign":25,"key":121},[560],{"text":561,"type":125},"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":563,"title":564,"component":544,"description":565},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":116,"content":566},[567],{"type":119,"attrs":568,"content":569},{"textAlign":25,"key":121},[570],{"text":571,"type":125},"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":573,"title":574,"component":544,"description":575},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":116,"content":576},[577],{"type":119,"attrs":578,"content":579},{"textAlign":25,"key":121},[580],{"text":581,"type":125},"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":583,"title":584,"component":544,"description":585},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":116,"content":586},[587],{"type":119,"attrs":588,"content":589},{"textAlign":25,"key":121},[590],{"text":591,"type":125},"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":593,"title":594,"component":544,"description":595},"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":116,"content":596},[597],{"type":119,"attrs":598,"content":599},{"textAlign":25,"key":121},[600],{"text":601,"type":125},"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.",[603],{"cta":604,"_uid":605,"title":606,"eyebrow":613,"subtitle":618,"component":176,"textAlign":99,"flexibleSection":623,"sectionSettings":624,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":116,"content":607},[608],{"type":176,"attrs":609,"content":610},{"level":178,"textAlign":25},[611],{"text":612,"type":125},"Preguntas frecuentes",{"type":116,"content":614},[615],{"type":119,"attrs":616,"content":617},{"textAlign":25},[],{"type":116,"content":619},[620],{"type":119,"attrs":621,"content":622},{"textAlign":25},[],[],[],"faqSection","pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2130,[],176386517,"fd090ef2-11a1-4568-a687-4cc655d4afa9","2026-07-01T14:07:18.315Z",[],"blog/pagos-sepa-espana-2026",[636,637,638],{"path":634,"name":25,"lang":37,"published":25},{"path":634,"name":25,"lang":39,"published":25},{"path":634,"name":25,"lang":32,"published":25},{"header":640,"footer":1325,"commonContent":1745,"userCentricsAndSegmentMappingTable":1914},{"name":641,"created_at":642,"published_at":643,"updated_at":644,"id":645,"uuid":646,"content":647,"slug":1137,"full_slug":1312,"sort_by_date":25,"position":52,"tag_list":1313,"is_startpage":28,"parent_id":1315,"meta_data":25,"group_id":1316,"first_published_at":1317,"release_id":25,"lang":32,"path":1318,"alternates":1319,"default_full_slug":1320,"translated_slugs":1321},"Header","2022-03-03T10:18:44.837Z","2026-10-29T11:36:19.639Z","2026-10-29T11:36:19.664Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":648,"logo":649,"navbar":653,"loginBtn":1136,"component":1137,"languages":1138,"logoBlack":1157,"logoWhite":1161,"topNavbar":1166,"footerLinks":1175,"socialLinks":1193,"homepageLink":1233,"getStartedBtn":1245,"announcementBanner":1260,"localeSwitcherTitle":1311},"d642d99f-3914-487e-abe1-9515eca76325",{"id":650,"alt":81,"name":99,"focus":99,"title":81,"source":99,"filename":651,"copyright":99,"fieldtype":104,"meta_data":652,"is_external_url":28},4112223,"https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[654,863,875,888,1056],{"_uid":655,"label":656,"columns":657,"component":826,"headingNewBranding":827},"99e54924-f77d-4501-978a-b578da0140ca","Producto",[658,742],{"_uid":659,"ctas":660,"label":656,"component":740,"labelColor":99,"backgroundIconColor":741},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[661,678,694,709,724],{"tag":99,"_uid":662,"hide":28,"icon":663,"link":667,"type":99,"label":677,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":664,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":665,"copyright":99,"fieldtype":104,"meta_data":666,"is_external_url":28},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":668,"url":99,"linktype":669,"fieldtype":108,"cached_url":670,"prep":41,"story":671},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","story","/es/platform/mcp",{"name":672,"id":673,"uuid":668,"slug":674,"url":675,"full_slug":676,"_stopResolving":41},"MCP",184147202165078,"mcp","platform/mcp","es/platform/mcp","Spendesk AI Connect",{"tag":99,"_uid":679,"icon":680,"link":684,"type":99,"label":693,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":681,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":682,"copyright":99,"fieldtype":104,"meta_data":683,"is_external_url":28},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":685,"url":99,"linktype":669,"fieldtype":108,"cached_url":686,"prep":41,"story":687},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/es/product/cards/",{"name":688,"id":689,"uuid":685,"slug":690,"url":691,"full_slug":692,"_stopResolving":41},"Cards",193401086247857,"cards","product/cards/","es/product/cards/","Tarjetas",{"tag":99,"_uid":695,"hide":28,"icon":696,"link":700,"type":99,"label":704,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":697,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":698,"copyright":99,"fieldtype":104,"meta_data":699,"is_external_url":28},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":701,"url":99,"linktype":669,"fieldtype":108,"cached_url":702,"prep":41,"story":703},"54aaf12a-503f-42e6-afbc-61919d53f941","/es/product/procurement",{"name":704,"id":705,"uuid":701,"slug":706,"url":707,"full_slug":708,"_stopResolving":41},"Procurement",193401601446119,"procurement","product/procurement","es/product/procurement",{"tag":99,"_uid":710,"hide":28,"icon":711,"link":715,"type":99,"label":141,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":712,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":713,"copyright":99,"fieldtype":104,"meta_data":714,"is_external_url":28},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":716,"url":99,"linktype":669,"fieldtype":108,"cached_url":717,"prep":41,"story":718},"5a15816c-5303-499e-9774-f4eab6597303","/es/product/accounts-payable",{"name":719,"id":720,"uuid":716,"slug":721,"url":722,"full_slug":723,"_stopResolving":41},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","es/product/accounts-payable",{"tag":99,"_uid":725,"icon":726,"link":730,"type":99,"label":739,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":727,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":728,"copyright":99,"fieldtype":104,"meta_data":729,"is_external_url":28},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":731,"url":99,"linktype":669,"fieldtype":108,"cached_url":732,"prep":41,"story":733},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/es/product/expense-management",{"name":734,"id":735,"uuid":731,"slug":736,"url":737,"full_slug":738,"_stopResolving":41},"Expense Management",193401429506811,"expense-management","product/expense-management","es/product/expense-management","Gastos","ctasColumn","--color-accent-06",{"_uid":743,"ctas":744,"label":825,"component":740,"labelColor":99,"backgroundIconColor":741},"c7e769a0-95c8-49e3-a177-8c7061def31b",[745,761,777,793,809],{"tag":99,"_uid":746,"hide":28,"icon":747,"link":751,"type":99,"label":760,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":748,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":749,"copyright":99,"fieldtype":104,"meta_data":750,"is_external_url":28},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":752,"url":99,"linktype":669,"fieldtype":108,"cached_url":753,"prep":41,"story":754},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/es/platform/spends-controls",{"name":755,"id":756,"uuid":752,"slug":757,"url":758,"full_slug":759,"_stopResolving":41},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","es/platform/spend-controls","Controles de gastos",{"tag":99,"_uid":762,"hide":28,"icon":763,"link":767,"type":99,"label":776,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":764,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":765,"copyright":99,"fieldtype":104,"meta_data":766,"is_external_url":28},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":768,"url":99,"linktype":669,"fieldtype":108,"cached_url":769,"prep":41,"story":770},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/es/platform/ai-automation",{"name":771,"id":772,"uuid":768,"slug":773,"url":774,"full_slug":775,"_stopResolving":41},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","es/platform/ai-automation","IA",{"tag":99,"_uid":778,"hide":28,"icon":779,"link":783,"type":99,"label":792,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":780,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":781,"copyright":99,"fieldtype":104,"meta_data":782,"is_private":28,"is_external_url":28},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":784,"url":99,"linktype":669,"fieldtype":108,"cached_url":785,"prep":41,"story":786},"e0594f7b-c01a-45b3-96e2-186a17439c46","/es/integrations/",{"name":787,"id":788,"uuid":784,"slug":789,"url":790,"full_slug":791,"_stopResolving":41},"Integrations",129006144,"integrations","integrations/","es/integrations/","API & integraciones",{"tag":99,"_uid":794,"icon":795,"link":799,"type":99,"label":808,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":796,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":797,"copyright":99,"fieldtype":104,"meta_data":798,"is_external_url":28},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":800,"url":99,"linktype":669,"fieldtype":108,"cached_url":801,"prep":41,"story":802},"3d432995-4a9f-417f-b7d9-48e760bf8646","/es/product/multi-entity-management",{"name":803,"id":804,"uuid":800,"slug":805,"url":806,"full_slug":807,"_stopResolving":41},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","es/product/multi-entity-management","Gestión multientidad",{"tag":99,"_uid":810,"icon":811,"link":815,"type":99,"label":824,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":812,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":813,"copyright":99,"fieldtype":104,"meta_data":814,"is_external_url":28},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":816,"url":99,"linktype":669,"fieldtype":108,"cached_url":817,"prep":41,"story":818},"b419cae8-61d4-4ab4-919b-71875ceab832","/es/product/budget",{"name":819,"id":820,"uuid":816,"slug":821,"url":822,"full_slug":823,"_stopResolving":41},"Budget",193401384269658,"budget","product/budget","es/product/budget","Presupuesto","Plataforma ","dropdownMenu",[828],{"cta":829,"_uid":844,"title":845,"eyebrow":852,"subtitle":855,"component":176,"textAlign":99,"sectionSettings":862,"subtitleLeftBorder":28},[830],{"tag":99,"_uid":831,"hide":41,"icon":832,"link":833,"type":99,"label":843,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":834,"url":99,"linktype":669,"fieldtype":108,"cached_url":835,"prep":41,"story":836},"0c6c4fbe-f44e-4fe1-8340-f16097c5e857","/es/platform/platform-releases/october-update-2026",{"name":837,"id":838,"uuid":834,"slug":839,"url":840,"translated_name":841,"full_slug":842,"_stopResolving":41},"October update 2026",225204977508410,"october-update-2026","platform/platform-releases/october-update-2026","Actualizacion Octubre 2026","es/platform/platform-releases/actualizacion-octubre-2026","Ver novedades","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":116,"content":846},[847],{"type":119,"attrs":848,"content":849},{"textAlign":25,"key":121},[850],{"text":851,"type":125},"Novedades",{"type":116,"content":853},[854],{"type":119},{"type":116,"content":856},[857],{"type":119,"attrs":858,"content":859},{"textAlign":25,"key":121},[860],{"text":861,"type":125},"Ya está aquí la última actualización de tus productos Spendesk",[],{"tag":99,"_uid":864,"hide":28,"icon":865,"link":866,"type":99,"label":874,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"3e099d1d-7633-470a-b225-70ff55117055",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":867,"url":99,"linktype":669,"fieldtype":108,"cached_url":868,"prep":41,"story":869},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/es/pricing",{"name":870,"id":871,"uuid":867,"slug":872,"url":872,"full_slug":873,"_stopResolving":41},"Pricing",118542802,"pricing","es/pricing","Precios",{"tag":99,"_uid":876,"icon":877,"link":878,"type":99,"label":887,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":879,"url":99,"linktype":669,"fieldtype":108,"cached_url":880,"prep":41,"story":881},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/es/customers/",{"name":882,"id":883,"uuid":879,"slug":884,"url":885,"full_slug":886,"_stopResolving":41},"Listing page",107236629,"customers","customers/","es/customers/","Testimonios de clientes",{"_uid":889,"label":890,"columns":891,"component":826,"headingNewBranding":1055},"59752063-d282-4855-95bc-45cfb825ed90","Recursos",[892,957,1024],{"_uid":893,"ctas":894,"label":955,"component":740,"labelColor":99,"backgroundIconColor":956},"705444cd-cbfb-417a-99c3-8481453ed293",[895,911,927,940],{"tag":99,"_uid":896,"icon":897,"link":901,"type":99,"label":910,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":898,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":899,"copyright":99,"fieldtype":104,"meta_data":900,"is_private":28,"is_external_url":28},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":902,"url":99,"linktype":669,"fieldtype":108,"cached_url":903,"prep":41,"story":904},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/es/blog/",{"name":905,"id":906,"uuid":902,"slug":907,"url":908,"full_slug":909,"_stopResolving":41},"Blog homepage (listing page)",181576014,"blog","blog/","es/blog/","Blog",{"tag":99,"_uid":912,"hide":28,"icon":913,"link":917,"type":99,"label":926,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":914,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":915,"copyright":99,"fieldtype":104,"meta_data":916,"is_external_url":28},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":918,"url":99,"linktype":669,"fieldtype":108,"cached_url":919,"prep":41,"story":920},"06849c8d-cf20-4692-b0d3-1a26c8b49950","/es/events/",{"name":921,"id":922,"uuid":918,"slug":923,"url":924,"full_slug":925,"_stopResolving":41},"Events listing page",86201135839603,"events","events/","es/events/","Eventos y seminarios web",{"tag":99,"_uid":928,"hide":41,"icon":929,"link":933,"type":99,"label":937,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":930,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":931,"copyright":99,"fieldtype":104,"meta_data":932,"is_external_url":28},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":934,"url":99,"linktype":669,"fieldtype":108,"cached_url":935,"prep":41,"story":936},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/es/faq",{"name":937,"id":938,"uuid":934,"slug":939,"url":939,"full_slug":939,"_stopResolving":41},"FAQ",126231937,"faq",{"tag":99,"_uid":941,"hide":41,"icon":942,"link":946,"type":99,"label":954,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":943,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":944,"copyright":99,"fieldtype":104,"meta_data":945,"is_external_url":28},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":947,"url":99,"linktype":669,"fieldtype":108,"cached_url":948,"prep":41,"story":949},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/es/glossary/",{"name":950,"id":951,"uuid":947,"slug":952,"url":953,"full_slug":953,"_stopResolving":41},"Glossary",127190994,"glossary","glossary/","Glossario","Perspectivas","--color-accent-05",{"_uid":958,"ctas":959,"label":1023,"component":740,"labelColor":99,"backgroundIconColor":956},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[960,971,980,996,1011],{"tag":99,"_uid":961,"hide":41,"icon":962,"link":964,"type":99,"label":968,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":764,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":765,"copyright":99,"fieldtype":104,"meta_data":963,"is_external_url":28},{},{"id":965,"url":99,"linktype":669,"fieldtype":108,"cached_url":966,"prep":41,"story":967},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/es/ai",{"name":968,"id":969,"uuid":965,"slug":970,"url":970,"full_slug":970,"_stopResolving":41},"AI Hub",114865617041697,"ai",{"tag":99,"_uid":972,"icon":973,"link":977,"type":99,"label":979,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":974,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":975,"copyright":99,"fieldtype":104,"meta_data":976,"is_external_url":28},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":99,"url":978,"linktype":107,"fieldtype":108,"cached_url":978},"https://www.cfoconnect.eu/en/resources/podcast/","Podcast",{"tag":99,"_uid":981,"hide":28,"icon":982,"link":986,"type":99,"label":995,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":983,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":984,"copyright":99,"fieldtype":104,"meta_data":985,"is_external_url":28},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":987,"url":99,"linktype":669,"fieldtype":108,"cached_url":988,"prep":41,"story":989},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/es/tools/cfo-tech-stack-map",{"name":990,"id":991,"uuid":987,"slug":992,"url":993,"full_slug":994,"_stopResolving":41},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","es/tools/cfo-tech-stack-map","Stack tecnológico del CFO",{"tag":99,"_uid":997,"hide":41,"icon":998,"link":1002,"type":99,"label":1010,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":999,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1000,"copyright":99,"fieldtype":104,"meta_data":1001,"is_external_url":28},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1003,"url":99,"linktype":669,"fieldtype":108,"cached_url":1004,"prep":41,"story":1005},"ab956bec-b6b4-434a-b4aa-b772873f9577","/es/tools/spend-management-calculator",{"name":1006,"id":1007,"uuid":1003,"slug":1008,"url":1009,"full_slug":1009,"_stopResolving":41},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","Calculadora de ROI",{"tag":99,"_uid":1012,"icon":1013,"link":1015,"type":99,"label":1022,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"hide":41},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":712,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":713,"copyright":99,"fieldtype":104,"meta_data":1014,"is_external_url":28},{},{"id":1016,"url":99,"linktype":669,"fieldtype":108,"cached_url":1017,"prep":41,"story":1018},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/es/tools/hmrc-mileage-calculator",{"name":1019,"id":1020,"uuid":1016,"slug":1019,"url":1021,"full_slug":1021,"_stopResolving":41},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Recursos y herramientas",{"_uid":1025,"ctas":1026,"label":1054,"component":740,"backgroundIconColor":956},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1027,1036,1045],{"tag":99,"_uid":1028,"icon":1029,"link":1033,"type":99,"label":1035,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1030,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1031,"copyright":99,"fieldtype":104,"meta_data":1032,"is_external_url":28},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":99,"url":1034,"linktype":107,"fieldtype":108,"cached_url":1034},"https://www.cfoconnect.eu/en/","CFO Connect",{"tag":99,"_uid":1037,"icon":1038,"link":1042,"type":99,"label":1044,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1039,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1040,"copyright":99,"fieldtype":104,"meta_data":1041,"is_external_url":28},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":99,"url":1043,"linktype":107,"fieldtype":108,"cached_url":1043},"https://www.cfoconnect.eu/events/","Eventos de CFO Connect",{"tag":99,"_uid":1046,"icon":1047,"link":1051,"type":99,"label":1053,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1048,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1049,"copyright":99,"fieldtype":104,"meta_data":1050,"is_private":28,"is_external_url":28},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":99,"url":1052,"linktype":107,"cached_url":1052},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Responsables financieros","Comunidad",[],{"_uid":1057,"label":1058,"columns":1059,"component":826,"headingNewBranding":1135},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Empresa",[1060,1100],{"_uid":1061,"ctas":1062,"label":1058,"component":740,"labelColor":99,"backgroundIconColor":741},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1063,1076,1085],{"tag":99,"_uid":1064,"hide":28,"icon":1065,"link":1067,"type":99,"label":1075,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":796,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":797,"copyright":99,"fieldtype":104,"meta_data":1066,"is_private":28,"is_external_url":28},{},{"id":1068,"url":99,"linktype":669,"fieldtype":108,"cached_url":1069,"prep":41,"story":1070},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/es/about",{"name":1071,"id":1072,"uuid":1068,"slug":1073,"url":1073,"full_slug":1074,"_stopResolving":41},"Our story",126213445,"about","es/about","Nuestra historia",{"tag":99,"_uid":1077,"hide":28,"icon":1078,"link":1082,"type":99,"label":1084,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1079,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1080,"copyright":99,"fieldtype":104,"meta_data":1081,"is_external_url":28},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":99,"url":1083,"linktype":107,"fieldtype":108,"cached_url":1083},"https://career.spendesk.com/es/","Carreras",{"tag":99,"_uid":1086,"hide":41,"icon":1087,"link":1091,"type":99,"label":1099,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1088,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1089,"copyright":99,"fieldtype":104,"meta_data":1090,"is_external_url":28},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1092,"url":99,"linktype":669,"fieldtype":108,"cached_url":1093,"prep":41,"story":1094},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/es/press/",{"name":1095,"id":1096,"uuid":1092,"slug":1097,"url":1098,"full_slug":1098,"_stopResolving":41},"Spendesk Press",265014512,"press","press/","Medios de comunicación",{"_uid":1101,"ctas":1102,"label":1134,"component":740,"labelColor":99,"backgroundIconColor":741},"59a11592-e6cb-405d-8208-9e3c365ac046",[1103,1119],{"tag":99,"_uid":1104,"hide":28,"icon":1105,"link":1109,"type":99,"label":1118,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1106,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1107,"copyright":99,"fieldtype":104,"meta_data":1108,"is_private":28,"is_external_url":28},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1110,"url":99,"linktype":669,"fieldtype":108,"cached_url":1111,"prep":41,"story":1112},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/es/partners/",{"name":1113,"id":1114,"uuid":1110,"slug":1115,"url":1116,"full_slug":1117,"_stopResolving":41},"Partners",113802294,"partners","partners/","es/partners/","Socios",{"tag":99,"_uid":1120,"hide":28,"icon":1121,"link":1125,"type":99,"label":1133,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1122,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1123,"copyright":99,"fieldtype":104,"meta_data":1124,"is_private":28,"is_external_url":28},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1126,"url":99,"linktype":669,"fieldtype":108,"cached_url":1127,"prep":41,"story":1128},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/es/contact-us",{"name":1129,"id":1130,"uuid":1126,"slug":1131,"url":1131,"full_slug":1132,"_stopResolving":41},"Contact us",126275406,"contact-us","es/contact-us","Contacto"," ",[],"Iniciar sesión","header",[1139,1144,1149,1153],{"_uid":1140,"code":39,"name":1141,"component":1142,"shortName":1143},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1145,"code":1146,"name":1147,"component":1142,"shortName":1148},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1150,"code":32,"name":1151,"component":1142,"shortName":1152},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1154,"code":37,"name":1155,"component":1142,"shortName":1156},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1158,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1159,"copyright":99,"fieldtype":104,"meta_data":1160,"is_external_url":28},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1162,"alt":81,"name":99,"focus":99,"title":1163,"source":99,"filename":1164,"copyright":99,"fieldtype":104,"meta_data":1165,"is_external_url":28},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1167],{"tag":99,"_uid":1168,"hide":28,"icon":1169,"link":1171,"type":99,"label":1173,"style":109,"component":110,"onClickEvent":1174,"openInANewTab":41,"horizontalFill":28},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1170},{},{"id":99,"url":1172,"linktype":107,"fieldtype":108,"cached_url":1172},"https://helpcenter.spendesk.com/es/","Centro de ayuda","website:navbar:helpcenter_cta:clicked",[1176,1181],{"tag":99,"_uid":1177,"hide":28,"icon":1178,"link":1180,"type":99,"label":1173,"style":109,"component":110,"onClickEvent":1174,"openInANewTab":41,"horizontalFill":28},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1179},{},{"id":99,"url":1172,"linktype":107,"fieldtype":108,"cached_url":1172},{"tag":99,"_uid":1182,"hide":41,"icon":1183,"link":1185,"type":99,"label":1192,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104,"meta_data":1184,"is_external_url":28},{},{"id":1186,"url":99,"linktype":669,"fieldtype":108,"cached_url":1187,"prep":41,"story":1188},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/es/spendesk-security",{"name":1189,"id":1190,"uuid":1186,"slug":1191,"url":1191,"full_slug":1191,"_stopResolving":41},"Security",126230553,"spendesk-security","Seguridad",[1194,1202,1210,1217,1225],{"tag":99,"_uid":1195,"icon":1196,"link":1200,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":1197,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1198,"copyright":99,"fieldtype":104,"meta_data":1199,"is_external_url":28},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":99,"url":1201,"linktype":107,"fieldtype":108,"cached_url":1201},"https://www.facebook.com/spendesk/",{"tag":99,"_uid":1203,"icon":1204,"link":1208,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":1205,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1206,"copyright":99,"fieldtype":104,"meta_data":1207,"is_private":28,"is_external_url":28},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":99,"url":1209,"linktype":107,"fieldtype":108,"cached_url":1209},"https://www.instagram.com/spendesk",{"tag":99,"_uid":1211,"icon":1212,"link":1216,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":1213,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1214,"copyright":99,"fieldtype":104,"meta_data":1215,"is_private":28,"is_external_url":28},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":99,"url":106,"linktype":107,"fieldtype":108,"cached_url":106},{"tag":99,"_uid":1218,"icon":1219,"link":1223,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":1220,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1221,"copyright":99,"fieldtype":104,"meta_data":1222,"is_private":28,"is_external_url":28},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":99,"url":1224,"linktype":107,"fieldtype":108,"cached_url":1224},"https://x.com/Spendesk",{"tag":99,"_uid":1226,"hide":28,"icon":1227,"link":1231,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":41,"horizontalFill":28},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":1228,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1229,"copyright":99,"fieldtype":104,"meta_data":1230,"is_private":28,"is_external_url":28},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":99,"url":1232,"linktype":107,"fieldtype":108,"cached_url":1232},"https://www.youtube.com/c/spendesk",[1234],{"tag":99,"_uid":1235,"hide":28,"icon":1236,"link":1237,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":1238,"url":99,"linktype":669,"fieldtype":108,"cached_url":1239,"prep":41,"story":1240},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/es/home",{"name":1241,"id":1242,"uuid":1238,"slug":1243,"url":1243,"full_slug":1244,"_stopResolving":41},"Homepage",106735746,"home","es/home",[1246],{"tag":99,"_uid":1247,"hide":28,"icon":1248,"link":1249,"type":99,"label":1258,"style":109,"component":110,"onClickEvent":1259,"openInANewTab":28,"horizontalFill":28},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":1250,"url":99,"anchor":99,"linktype":669,"fieldtype":108,"cached_url":1251,"prep":41,"story":1252},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":1253,"id":1254,"uuid":1250,"slug":1255,"url":1256,"full_slug":1257,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Agenda una demo","website:navbar:book_a_demo_cta:clicked",[1261],{"_uid":1262,"hide":28,"style":1263,"content":1264,"display":1292,"component":1293,"hideOnMobile":28,"mobileContent":1294},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":116,"attrs":1265,"content":1266},{"backgroundColor":25},[1267],{"type":119,"attrs":1268,"content":1269},{"textAlign":25,"key":121},[1270,1277,1282,1284],{"text":1271,"type":125,"marks":1272},"Spendesk AI:",[1273,1276],{"type":1274,"attrs":1275},"textStyle",{"color":99},{"type":364},{"text":1278,"type":125,"marks":1279}," El trabajo rutinario, resuelto. Las decisiones importantes, tuyas",[1280],{"type":1274,"attrs":1281},{"color":99},{"text":1283,"type":125}," 👉 ",{"text":1285,"type":125,"marks":1286},"Conozca más",[1287,1291],{"type":192,"attrs":1288},{"href":769,"uuid":768,"anchor":25,"target":1289,"linktype":669,"story":1290},"_self",{"name":771,"id":772,"uuid":768,"slug":773,"url":774,"full_slug":775,"_stopResolving":41},{"type":364},"Whole website","announcementBanner",{"type":116,"attrs":1295,"content":1296},{"backgroundColor":25},[1297],{"type":119,"attrs":1298,"content":1299},{"textAlign":25,"key":121},[1300,1303,1305],{"text":1271,"type":125,"marks":1301},[1302],{"type":364},{"text":1304,"type":125}," El trabajo rutinario, resuelto. Decisiones importantes, tuyas 👉 ",{"text":1285,"type":125,"marks":1306},[1307,1310],{"type":192,"attrs":1308},{"href":769,"uuid":768,"anchor":25,"target":1289,"linktype":669,"story":1309},{"name":771,"id":772,"uuid":768,"slug":773,"url":774,"full_slug":775,"_stopResolving":41},{"type":364},"Seleccione su idioma","es/global-components/header",[1314],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[1322,1323,1324],{"path":1320,"name":25,"lang":37,"published":25},{"path":1320,"name":25,"lang":39,"published":25},{"path":1320,"name":25,"lang":32,"published":25},{"name":1326,"created_at":1327,"published_at":1328,"updated_at":1329,"id":1330,"uuid":1331,"content":1332,"slug":1552,"full_slug":1735,"sort_by_date":25,"position":26,"tag_list":1736,"is_startpage":28,"parent_id":1315,"meta_data":25,"group_id":1737,"first_published_at":1738,"release_id":25,"lang":32,"path":908,"alternates":1739,"default_full_slug":1740,"translated_slugs":1741},"Footer","2022-03-03T10:27:46.390Z","2026-11-05T16:18:15.983Z","2026-11-05T16:18:16.023Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":1333,"lists":1334,"component":1552,"logoLinks":1553,"legalLinks":1570,"socialLinks":1628,"newsletterForm":1654,"complianceLogos":1694,"newsletterTitle":1703,"smallDescription":1704,"newsletterSubtitle":1710,"legalDescriptionText":1711},"68acc184-683a-412b-863a-297708c3cffb",[1335,1369,1423,1520],{"_uid":1336,"ctas":1337,"label":656,"component":740,"labelColor":99,"backgroundIconColor":99},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[1338,1345,1351,1357,1363],{"tag":99,"_uid":1339,"hide":28,"icon":1340,"link":1342,"type":99,"label":1344,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"d7c91b3c-6e8c-4210-82fb-50a835efded0",{"id":664,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":665,"copyright":99,"fieldtype":104,"meta_data":1341,"is_external_url":28},{},{"id":668,"url":99,"linktype":669,"fieldtype":108,"cached_url":670,"prep":41,"story":1343},{"name":672,"id":673,"uuid":668,"slug":674,"url":675,"full_slug":676,"_stopResolving":41},"Spendesk AI connect",{"tag":99,"_uid":1346,"icon":1347,"link":1349,"type":99,"label":693,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"8fe65f6f-350a-43a6-bd1e-c689ca139c00",{"id":681,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":682,"copyright":99,"fieldtype":104,"meta_data":1348,"is_external_url":28},{},{"id":685,"url":99,"linktype":669,"fieldtype":108,"cached_url":686,"prep":41,"story":1350},{"name":688,"id":689,"uuid":685,"slug":690,"url":691,"full_slug":692,"_stopResolving":41},{"tag":99,"_uid":1352,"hide":28,"icon":1353,"link":1355,"type":99,"label":704,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"49e8fc3a-b545-40f3-89b6-fef1979dfcfc",{"id":697,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":698,"copyright":99,"fieldtype":104,"meta_data":1354,"is_external_url":28},{},{"id":701,"url":99,"linktype":669,"fieldtype":108,"cached_url":702,"prep":41,"story":1356},{"name":704,"id":705,"uuid":701,"slug":706,"url":707,"full_slug":708,"_stopResolving":41},{"tag":99,"_uid":1358,"hide":28,"icon":1359,"link":1361,"type":99,"label":141,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"9069228c-b61f-4f8b-a7f3-7327b46712f7",{"id":712,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":713,"copyright":99,"fieldtype":104,"meta_data":1360,"is_external_url":28},{},{"id":716,"url":99,"linktype":669,"fieldtype":108,"cached_url":717,"prep":41,"story":1362},{"name":719,"id":720,"uuid":716,"slug":721,"url":722,"full_slug":723,"_stopResolving":41},{"tag":99,"_uid":1364,"icon":1365,"link":1367,"type":99,"label":739,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"ee715f69-a1cc-4154-b8ba-f55ca358e584",{"id":727,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":728,"copyright":99,"fieldtype":104,"meta_data":1366,"is_external_url":28},{},{"id":731,"url":99,"linktype":669,"fieldtype":108,"cached_url":732,"prep":41,"story":1368},{"name":734,"id":735,"uuid":731,"slug":736,"url":737,"full_slug":738,"_stopResolving":41},{"_uid":1370,"ctas":1371,"label":1422,"component":740,"labelColor":99,"backgroundIconColor":99},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[1372,1378,1385,1391,1397,1403,1409,1415],{"tag":99,"_uid":1373,"hide":28,"icon":1374,"link":1376,"type":99,"label":760,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"c9bdfffe-0a2e-45a2-bdf1-a3e5f4f2b389",{"id":748,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":749,"copyright":99,"fieldtype":104,"meta_data":1375,"is_external_url":28},{},{"id":752,"url":99,"linktype":669,"fieldtype":108,"cached_url":753,"prep":41,"story":1377},{"name":755,"id":756,"uuid":752,"slug":757,"url":758,"full_slug":759,"_stopResolving":41},{"tag":99,"_uid":1379,"hide":28,"icon":1380,"link":1382,"type":99,"label":1384,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"b19cf668-817c-4adc-b839-8635ff2f977e",{"id":764,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":765,"copyright":99,"fieldtype":104,"meta_data":1381,"is_external_url":28},{},{"id":768,"url":99,"linktype":669,"fieldtype":108,"cached_url":769,"prep":41,"story":1383},{"name":771,"id":772,"uuid":768,"slug":773,"url":774,"full_slug":775,"_stopResolving":41},"Inteligencia y Automatización",{"tag":99,"_uid":1386,"hide":28,"icon":1387,"link":1389,"type":99,"label":792,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"49c8595b-725e-49b7-9375-09b3a5cecbbd",{"id":780,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":781,"copyright":99,"fieldtype":104,"meta_data":1388,"is_private":28,"is_external_url":28},{},{"id":784,"url":99,"linktype":669,"fieldtype":108,"cached_url":785,"prep":41,"story":1390},{"name":787,"id":788,"uuid":784,"slug":789,"url":790,"full_slug":791,"_stopResolving":41},{"tag":99,"_uid":1392,"icon":1393,"link":1395,"type":99,"label":808,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"977a634d-082c-4387-8112-d3cfc025cc21",{"id":796,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":797,"copyright":99,"fieldtype":104,"meta_data":1394,"is_external_url":28},{},{"id":800,"url":99,"linktype":669,"fieldtype":108,"cached_url":801,"prep":41,"story":1396},{"name":803,"id":804,"uuid":800,"slug":805,"url":806,"full_slug":807,"_stopResolving":41},{"tag":99,"_uid":1398,"icon":1399,"link":1401,"type":99,"label":824,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"75918215-79bd-4d1e-8d6a-0f934a37adaa",{"id":812,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":813,"copyright":99,"fieldtype":104,"meta_data":1400,"is_external_url":28},{},{"id":816,"url":99,"linktype":669,"fieldtype":108,"cached_url":817,"prep":41,"story":1402},{"name":819,"id":820,"uuid":816,"slug":821,"url":822,"full_slug":823,"_stopResolving":41},{"tag":99,"_uid":1404,"hide":28,"icon":1405,"link":1407,"type":99,"label":874,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1406},{},{"id":867,"url":99,"linktype":669,"fieldtype":108,"cached_url":868,"prep":41,"story":1408},{"name":870,"id":871,"uuid":867,"slug":872,"url":872,"full_slug":873,"_stopResolving":41},{"tag":99,"_uid":1410,"hide":41,"icon":1411,"link":1413,"type":99,"label":1192,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1412},{},{"id":1186,"url":99,"linktype":669,"fieldtype":108,"cached_url":1187,"prep":41,"story":1414},{"name":1189,"id":1190,"uuid":1186,"slug":1191,"url":1191,"full_slug":1191,"_stopResolving":41},{"tag":99,"_uid":1416,"hide":28,"icon":1417,"link":1419,"type":99,"label":1421,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1418},{},{"id":99,"url":1420,"linktype":107,"fieldtype":108,"cached_url":1420},"https://trust.spendesk.com/","Centro de confianza","Plataforma",{"_uid":1424,"ctas":1425,"label":1519,"component":740,"backgroundIconColor":99},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[1426,1432,1437,1450,1456,1463,1469,1475,1487,1494,1500,1506,1512],{"tag":99,"_uid":1427,"hide":28,"icon":1428,"link":1430,"type":99,"label":887,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1429},{},{"id":879,"url":99,"linktype":669,"fieldtype":108,"cached_url":880,"prep":41,"story":1431},{"name":882,"id":883,"uuid":879,"slug":884,"url":885,"full_slug":886,"_stopResolving":41},{"tag":99,"_uid":1433,"icon":1434,"link":1435,"type":99,"label":910,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":902,"url":99,"linktype":669,"fieldtype":108,"cached_url":903,"prep":41,"story":1436},{"name":905,"id":906,"uuid":902,"slug":907,"url":908,"full_slug":909,"_stopResolving":41},{"tag":99,"_uid":1438,"icon":1439,"link":1440,"type":99,"label":1449,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"0c3791b7-d195-40e4-b4ef-3e23020f2fbd",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104},{"id":1441,"url":99,"linktype":669,"fieldtype":108,"cached_url":1442,"prep":41,"story":1443},"00374c17-63ac-466f-a8fc-8e1c49811e67","/es/blog/all-articles",{"name":1444,"id":1445,"uuid":1441,"slug":1446,"url":1447,"full_slug":1448,"_stopResolving":41},"All articles",238103281021871,"all-articles","blog/all-articles","es/blog/all-articles","Todos los artículos",{"tag":99,"_uid":1451,"hide":28,"icon":1452,"link":1454,"type":99,"label":926,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"82afa5ce-ceec-4f5f-8fa9-3f3c3f2ffee6",{"id":914,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":915,"copyright":99,"fieldtype":104,"meta_data":1453,"is_external_url":28},{},{"id":918,"url":99,"linktype":669,"fieldtype":108,"cached_url":919,"prep":41,"story":1455},{"name":921,"id":922,"uuid":918,"slug":923,"url":924,"full_slug":925,"_stopResolving":41},{"tag":99,"_uid":1457,"hide":41,"icon":1458,"link":1460,"type":99,"label":1462,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1459},{},{"id":934,"url":99,"linktype":669,"fieldtype":108,"cached_url":935,"prep":41,"story":1461},{"name":937,"id":938,"uuid":934,"slug":939,"url":939,"full_slug":939,"_stopResolving":41},"FAQs",{"tag":99,"_uid":1464,"hide":41,"icon":1465,"link":1467,"type":99,"label":954,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1466},{},{"id":947,"url":99,"linktype":669,"fieldtype":108,"cached_url":948,"prep":41,"story":1468},{"name":950,"id":951,"uuid":947,"slug":952,"url":953,"full_slug":953,"_stopResolving":41},{"tag":99,"_uid":1470,"hide":41,"icon":1471,"link":1473,"type":99,"label":968,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"c6d3959b-8fdc-4fe9-a7f3-52f49ecbe443",{"id":764,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":765,"copyright":99,"fieldtype":104,"meta_data":1472,"is_external_url":28},{},{"id":965,"url":99,"linktype":669,"fieldtype":108,"cached_url":966,"prep":41,"story":1474},{"name":968,"id":969,"uuid":965,"slug":970,"url":970,"full_slug":970,"_stopResolving":41},{"tag":99,"_uid":1476,"hide":28,"icon":1477,"link":1479,"type":99,"label":1486,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1478},{},{"id":1480,"url":99,"linktype":669,"fieldtype":108,"cached_url":1481,"prep":41,"story":1482},"b116361a-f2a4-40f7-a021-4b9b64edade9","/es/finance-resources",{"name":1483,"id":1484,"uuid":1480,"slug":1485,"url":1485,"full_slug":1485,"_stopResolving":41},"Finance resources",363638378,"finance-resources","Biblioteca de contenidos",{"tag":99,"_uid":1488,"hide":41,"icon":1489,"link":1491,"type":99,"label":1493,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1490},{},{"id":1003,"url":99,"linktype":669,"fieldtype":108,"cached_url":1004,"prep":41,"story":1492},{"name":1006,"id":1007,"uuid":1003,"slug":1008,"url":1009,"full_slug":1009,"_stopResolving":41},"Calculador de ROI",{"tag":99,"_uid":1495,"hide":41,"icon":1496,"link":1498,"type":99,"label":1010,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"34303990-7e9e-493a-b31b-0dec6d2c9350",{"id":999,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1000,"copyright":99,"fieldtype":104,"meta_data":1497,"is_external_url":28},{},{"id":1003,"url":99,"linktype":669,"fieldtype":108,"cached_url":1004,"prep":41,"story":1499},{"name":1006,"id":1007,"uuid":1003,"slug":1008,"url":1009,"full_slug":1009,"_stopResolving":41},{"tag":99,"_uid":1501,"icon":1502,"link":1504,"type":99,"label":1010,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"hide":41},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":712,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":713,"copyright":99,"fieldtype":104,"meta_data":1503,"is_external_url":28},{},{"id":1016,"url":99,"linktype":669,"fieldtype":108,"cached_url":1017,"prep":41,"story":1505},{"name":1019,"id":1020,"uuid":1016,"slug":1019,"url":1021,"full_slug":1021,"_stopResolving":41},{"tag":99,"_uid":1507,"hide":28,"icon":1508,"link":1510,"type":99,"label":1035,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41,"horizontalFill":28},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1509},{},{"id":99,"url":1511,"linktype":107,"fieldtype":108,"cached_url":1511},"https://www.cfoconnect.eu/",{"tag":99,"_uid":1513,"hide":28,"icon":1514,"link":1516,"type":99,"label":1518,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1515},{},{"id":99,"url":1517,"linktype":107,"fieldtype":108,"cached_url":1517},"https://helpcenter.spendesk.com/es","Ayuda","Resources",{"_uid":1521,"ctas":1522,"label":1058,"component":740,"backgroundIconColor":99},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[1523,1529,1534,1540,1546],{"tag":99,"_uid":1524,"hide":28,"icon":1525,"link":1527,"type":99,"label":1075,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"3bbaa99b-a011-4bb0-b8a4-4155a0f67899",{"id":796,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":797,"copyright":99,"fieldtype":104,"meta_data":1526,"is_private":28,"is_external_url":28},{},{"id":1068,"url":99,"linktype":669,"fieldtype":108,"cached_url":1069,"prep":41,"story":1528},{"name":1071,"id":1072,"uuid":1068,"slug":1073,"url":1073,"full_slug":1074,"_stopResolving":41},{"tag":99,"_uid":1530,"hide":28,"icon":1531,"link":1533,"type":99,"label":1084,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"fa32c6df-1ed1-4b6f-9521-f251c5d79dd4",{"id":1079,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1080,"copyright":99,"fieldtype":104,"meta_data":1532,"is_external_url":28},{},{"id":99,"url":1083,"linktype":107,"fieldtype":108,"cached_url":1083},{"tag":99,"_uid":1535,"hide":41,"icon":1536,"link":1538,"type":99,"label":1099,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"b6549fad-eb8f-4dba-a791-37ba72450943",{"id":1088,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1089,"copyright":99,"fieldtype":104,"meta_data":1537,"is_external_url":28},{},{"id":1092,"url":99,"linktype":669,"fieldtype":108,"cached_url":1093,"prep":41,"story":1539},{"name":1095,"id":1096,"uuid":1092,"slug":1097,"url":1098,"full_slug":1098,"_stopResolving":41},{"tag":99,"_uid":1541,"hide":28,"icon":1542,"link":1544,"type":99,"label":1118,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"6eed8aa0-be5f-4b19-b267-de46368f3dcd",{"id":1106,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1107,"copyright":99,"fieldtype":104,"meta_data":1543,"is_private":28,"is_external_url":28},{},{"id":1110,"url":99,"linktype":669,"fieldtype":108,"cached_url":1111,"prep":41,"story":1545},{"name":1113,"id":1114,"uuid":1110,"slug":1115,"url":1116,"full_slug":1117,"_stopResolving":41},{"tag":99,"_uid":1547,"hide":28,"icon":1548,"link":1550,"type":99,"label":1133,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"58e6df6a-1e1d-4c37-b4eb-6e8911fcc58e",{"id":1122,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1123,"copyright":99,"fieldtype":104,"meta_data":1549,"is_private":28,"is_external_url":28},{},{"id":1126,"url":99,"linktype":669,"fieldtype":108,"cached_url":1127,"prep":41,"story":1551},{"name":1129,"id":1130,"uuid":1126,"slug":1131,"url":1131,"full_slug":1132,"_stopResolving":41},"footer",[1554,1562],{"tag":99,"_uid":1555,"hide":28,"icon":1556,"link":1560,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"225df49b-7d21-46c3-986a-89b609d15540",{"id":1557,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1558,"copyright":99,"fieldtype":104,"meta_data":1559,"is_external_url":28},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":99,"url":1561,"linktype":107,"fieldtype":108,"cached_url":1561},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":99,"_uid":1563,"hide":28,"icon":1564,"link":1568,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":1565,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1566,"copyright":99,"fieldtype":104,"meta_data":1567,"is_external_url":28},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":99,"url":1569,"linktype":107,"fieldtype":108,"cached_url":1569},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[1571,1577,1590,1603,1616,1622],{"tag":99,"_uid":1572,"icon":1573,"link":1574,"type":99,"label":1576,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":1238,"url":99,"linktype":669,"fieldtype":108,"cached_url":1239,"prep":41,"story":1575},{"name":1241,"id":1242,"uuid":1238,"slug":1243,"url":1243,"full_slug":1244,"_stopResolving":41},"© Spendesk",{"tag":99,"_uid":1578,"icon":1579,"link":1580,"type":99,"label":1589,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":1581,"url":99,"linktype":669,"fieldtype":108,"cached_url":1582,"prep":41,"story":1583},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/es/legals/terms",{"name":1584,"id":1585,"uuid":1581,"slug":1586,"url":1587,"full_slug":1588,"_stopResolving":41},"T&C index page",126275944,"terms","legals/terms/","es/legals/terms/","Condiciones Generales",{"tag":99,"_uid":1591,"icon":1592,"link":1593,"type":99,"label":1602,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":1594,"url":99,"linktype":669,"fieldtype":108,"cached_url":1595,"prep":41,"story":1596},"79cf9763-fbf7-44fc-b713-7375d45cc602","/es/legals/privacy",{"name":1597,"id":1598,"uuid":1594,"slug":1599,"url":1600,"full_slug":1601,"_stopResolving":41},"Privacy Policy",126276104,"privacy","legals/privacy","es/legals/privacy","Política de Privacidad",{"tag":99,"_uid":1604,"icon":1605,"link":1606,"type":99,"label":1615,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":1607,"url":99,"linktype":669,"fieldtype":108,"cached_url":1608,"prep":41,"story":1609},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/es/legals/cookies-policy",{"name":1610,"id":1611,"uuid":1607,"slug":1612,"url":1613,"full_slug":1614,"_stopResolving":41},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","es/legals/cookies-policy","Política de Cookies",{"tag":99,"_uid":1617,"icon":1618,"link":1619,"type":99,"label":1621,"style":109,"component":110,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1620,"linktype":107,"fieldtype":108,"cached_url":1620},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Aviso Legal",{"tag":99,"_uid":1623,"hide":28,"icon":1624,"link":1625,"type":99,"label":1627,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1626,"linktype":107,"fieldtype":108,"cached_url":1626},"openConsentManager.action","Configuración de Cookies",[1629,1634,1639,1644,1649],{"tag":99,"_uid":1630,"icon":1631,"link":1633,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":1197,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1198,"copyright":99,"fieldtype":104,"meta_data":1632,"is_external_url":28},{},{"id":99,"url":1201,"linktype":107,"fieldtype":108,"cached_url":1201},{"tag":99,"_uid":1635,"icon":1636,"link":1638,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":1205,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1206,"copyright":99,"fieldtype":104,"meta_data":1637,"is_private":28,"is_external_url":28},{},{"id":99,"url":1209,"linktype":107,"fieldtype":108,"cached_url":1209},{"tag":99,"_uid":1640,"icon":1641,"link":1643,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":1213,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1214,"copyright":99,"fieldtype":104,"meta_data":1642,"is_private":28,"is_external_url":28},{},{"id":99,"url":106,"linktype":107,"fieldtype":108,"cached_url":106},{"tag":99,"_uid":1645,"icon":1646,"link":1648,"type":99,"label":99,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":1220,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1221,"copyright":99,"fieldtype":104,"meta_data":1647,"is_private":28,"is_external_url":28},{},{"id":99,"url":1224,"linktype":107,"fieldtype":108,"cached_url":1224},{"tag":99,"_uid":1650,"hide":28,"icon":1651,"link":1653,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":41,"horizontalFill":28},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":1228,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1229,"copyright":99,"fieldtype":104,"meta_data":1652,"is_private":28,"is_external_url":28},{},{"id":99,"url":1232,"linktype":107,"fieldtype":108,"cached_url":1232},[1655],{"_uid":1656,"fields":1657,"component":1688,"submitUrl":1689,"hubspotFormId":1691,"successMessage":1692,"horizontalAlign":99,"onSubmitSegmentEvent":1693},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[1658],{"_uid":1659,"name":1660,"type":125,"label":1661,"required":41,"component":1662,"submitBtn":1663,"legalNotice":1664,"placeholder":99,"validateEmail":41,"blockPersonalEmailAddresses":28},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":116,"content":1665},[1666],{"type":119,"content":1667},[1668,1670,1678,1680,1686],{"text":1669,"type":125},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":1671,"type":125,"marks":1672},"Terms of Use",[1673],{"type":192,"attrs":1674},{"href":1675,"uuid":1581,"anchor":25,"custom":1676,"target":195,"linktype":669,"story":1677},"/legals/terms","[object Object]",{"name":1584,"id":1585,"uuid":1581,"slug":1586,"url":1587,"full_slug":1588,"_stopResolving":41},{"text":1679,"type":125}," and ",{"text":1597,"type":125,"marks":1681},[1682],{"type":192,"attrs":1683},{"href":1684,"uuid":1594,"anchor":25,"custom":1676,"target":195,"linktype":669,"story":1685},"/legals/privacy",{"name":1597,"id":1598,"uuid":1594,"slug":1599,"url":1600,"full_slug":1601,"_stopResolving":41},{"text":1687,"type":125},".","formGroup",{"id":99,"url":99,"linktype":669,"fieldtype":108,"cached_url":1690,"prep":41},"/es/","8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[1695],{"tag":99,"_uid":1696,"hide":28,"icon":1697,"link":1701,"type":99,"label":99,"style":109,"component":110,"mobileLabel":99,"onClickEvent":99,"openInANewTab":28,"horizontalFill":28},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":1698,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1699,"copyright":99,"fieldtype":104,"meta_data":1700,"is_external_url":28},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":99,"url":1702,"linktype":107,"fieldtype":108,"cached_url":1702},"https://helpcenter.spendesk.com/es/articles/8850615-antes-despues-que-ha-cambiado-respecto-a-spendesk-tus-tarjetas-visa-business-premium","No te pierdas nunca una noticia",{"type":116,"content":1705},[1706],{"type":119,"content":1707},[1708],{"text":1709,"type":125},"Capacite a tu equipo con la solución completa de gestión de gastos","Suscríbate para recibir los recursos de suscripción más recientes de Spendesk.",{"type":116,"content":1712},[1713,1721,1728],{"type":119,"content":1714},[1715],{"text":1716,"type":125,"marks":1717},"Los servicios de pago son prestados como parte del producto Spendesk por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU.",[1718],{"type":1274,"attrs":1719},{"color":1720},"rgb(0, 0, 0)",{"type":119,"content":1722},[1723],{"text":1724,"type":125,"marks":1725},"Spendesk Financial Services es una entidad de pago francesa autorizada por la ACPR con el número 17518. Adyen N.V. es un banco neerlandés, cuya sucursal en el Reino Unido está autorizada por la FCA a prestar servicios de pago con el número 779800. Sutton Bank es una entidad miembro asegurada por la FDIC.",[1726],{"type":1274,"attrs":1727},{"color":1720},{"type":119,"content":1729},[1730],{"text":1731,"type":125,"marks":1732},"Las tarjetas de débito Visa son emitidas por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU., en virtud de una licencia de Visa.",[1733],{"type":1274,"attrs":1734},{"color":1720},"es/global-components/footer",[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[1742,1743,1744],{"path":1740,"name":25,"lang":37,"published":25},{"path":1740,"name":25,"lang":39,"published":25},{"path":1740,"name":25,"lang":32,"published":25},{"name":1746,"created_at":1747,"published_at":1748,"updated_at":1749,"id":1750,"uuid":1751,"content":1752,"slug":1902,"full_slug":1903,"sort_by_date":25,"position":1904,"tag_list":1905,"is_startpage":28,"parent_id":1315,"meta_data":25,"group_id":1906,"first_published_at":1907,"release_id":25,"lang":32,"path":25,"alternates":1908,"default_full_slug":1909,"translated_slugs":1910},"Common Content","2022-06-07T08:36:57.529Z","2026-10-22T14:55:39.232Z","2026-10-22T14:55:39.250Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":1753,"modalBtn":1754,"component":1755,"modalTitle":1756,"countdownDay":1757,"modalContent":1758,"modalSuccess":1770,"countdownHour":1771,"hubspotFormId":1772,"countdownLabel":1773,"formErrorTitle":1774,"countdownMinute":1775,"countdownSecond":1776,"eventsLiveLabel":1777,"eventsViewLabel":1778,"formErrorButton":1779,"selectNoOptions":1780,"eventsWatchLabel":1781,"copyPromptLibrary":1782,"eventsReplayLabel":1783,"formErrorSubtitle":1784,"eventsResultsLabel":1785,"blogAuthorResources":1786,"byRolePromptLibrary":1787,"copiedPromptLibrary":1788,"eventsAllTypesLabel":1789,"eventsJoinNextLabel":1790,"eventsLoadMoreLabel":1791,"eventsRegisterLabel":1792,"selectedPricingPage":1793,"yourPlanPricingPage":1794,"byTopicPromptLibrary":1795,"eventsAllTopicsLabel":1796,"allRolesPromptLibrary":1797,"eventsTypeFilterLabel":1798,"modalEmailPlaceholder":1799,"allTopicsPromptLibrary":1796,"emailValidationInvalid":1800,"eventsTopicFilterLabel":1801,"imageItemsListNoResult":1802,"noResultsPromptLibrary":1803,"phoneValidationInvalid":1804,"blogLoadMoreButtonLabel":1791,"eventsReplayPosterLabel":1805,"itemsFoundPromptLibrary":1806,"blogArticleUpdatedAtLabel":1807,"blogArticleWatchTimeLabel":1808,"clearFiltersPromptLibrary":1809,"modalExistingAccountTitle":1810,"modalExistingCompanyTitle":1811,"modalForExistingCustomers":1812,"organizationSchemaOffices":1819,"blogArticleListenTimeLabel":1808,"cardsGridSearchPlaceholder":1872,"blogArticlePublishedOnLabel":1873,"blogArticleReadingTimeLabel":1808,"emailValidationInvalidExist":1874,"modalForUnsupportedCountries":1875,"emailValidationInvalidInvited":1881,"organizationSchemaDescription":1882,"organizationSchemaContactEmail":1883,"modalExistingAccountDescription":1884,"modalExistingCompanyDescription":1890,"emailValidationInvalidDomainName":1896,"multiSelectDropdownSelectedLabel":1897,"softwareApplicationSchemaRatingCount":1898,"softwareApplicationSchemaRatingValue":1899,"emailValidationInvalidUnexpectedError":1900,"emailValidationInvalidCompanyRegistered":1901},"c86a540c-0da7-40e9-a9a5-5053e71081de","Enviar","commonContent","Spendesk aún no está disponible en tu país","Días",{"type":116,"content":1759},[1760,1765],{"type":119,"attrs":1761,"content":1762},{"textAlign":25},[1763],{"text":1764,"type":125},"Parece que te encuentras en un país en el que actualmente no prestamos servicio. Sin embargo, si tienes una empresa en el Espacio Económico Europeo o en el Reino Unido, podemos trabajar contigo y puedes reservar una demo.",{"type":119,"attrs":1766,"content":1767},{"textAlign":25},[1768],{"text":1769,"type":125},"De lo contrario, introduce tu correo electrónico a continuación y te avisaremos cuando podamos ayudarte en tu país.","Gracias por enviar el formulario","Horas","b095740c-b878-41dd-9a7b-f393d2e4de30","El evento comienza en","Ups, algo va mal…","Minutos","Segundos","Próximamente","Ver el evento","Actualizar","Aquí no hay opciones.","Ver la grabación","Copiar prompt","Grabación","Se ha producido un error al enviar el formulario. Asegúrese de desactivar los bloqueadores de anuncios de su navegador e inténtelo de nuevo.","{count} eventos","Artículos de {firstName}","Por rol","¡Copiado!","Todos","Únete al próximo","Cargar más","Inscribirse","seleccionados","Tu plan","Por tema","Todos los temas","Todos los roles","Filtrar por tipo","Correo electrónico del trabajo","Correo electrónico no válido","Filtrar por tema","Sin resultados","No hay ningún prompt que coincida con estos filtros. Prueba a quitarlos.","Número de teléfono no válido","Mira la grabación completa","encontrados","Actualizado el","min","Borrar filtros","Ya tienes una cuenta Spendesk","Su empresa ya tiene una cuenta Spendesk",{"type":116,"content":1813},[1814,1818],{"type":119,"content":1815},[1816],{"text":1817,"type":125},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":119},[1820,1836,1848,1860],{"cta":1821,"_uid":1828,"image":1829,"title":1833,"subtitle":1834,"component":1835},[1822],{"tag":99,"_uid":1823,"icon":1824,"link":1825,"type":99,"label":1827,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1826,"linktype":107,"fieldtype":108,"cached_url":1826},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":1830,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1831,"copyright":99,"fieldtype":104,"meta_data":1832,"is_external_url":28},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, Francia","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":1837,"_uid":1843,"image":1844,"title":1846,"subtitle":1847,"component":1835},[1838],{"tag":99,"_uid":1839,"icon":1840,"link":1841,"type":99,"label":1827,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1842,"linktype":107,"fieldtype":108,"cached_url":1842},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":1830,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1831,"copyright":99,"fieldtype":104,"meta_data":1845,"is_external_url":28},{},"Londres, Reino Unido","168 Old Street, EC1V 9BP",{"cta":1849,"_uid":1855,"image":1856,"title":1858,"subtitle":1859,"component":1835},[1850],{"tag":99,"_uid":1851,"icon":1852,"link":1853,"type":99,"label":1827,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1854,"linktype":107,"fieldtype":108,"cached_url":1854},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":1830,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1831,"copyright":99,"fieldtype":104,"meta_data":1857,"is_external_url":28},{},"Berlina, Alemania","Warschauer Pl. 11-13, 10245",{"cta":1861,"_uid":1867,"image":1868,"title":1870,"subtitle":1871,"component":1835},[1862],{"tag":99,"_uid":1863,"icon":1864,"link":1865,"type":99,"label":1827,"style":109,"component":110,"onClickEvent":99,"openInANewTab":41},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":99,"copyright":25,"fieldtype":104},{"id":99,"url":1866,"linktype":107,"fieldtype":108,"cached_url":1866},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":1830,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1831,"copyright":99,"fieldtype":104,"meta_data":1869,"is_external_url":28},{},"Madrid, España","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Publicado el","Parece que ya tienes una cuenta con Spendesk, así que puedes iniciar sesión.",{"type":116,"content":1876},[1877],{"type":119,"content":1878},[1879],{"text":1880,"type":125},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Parece que ya te han invitado a Spendesk. Comprueba tu bandeja de entrada o pídele a tu administrador que te reenvíe la invitación.","Spendesk es una plataforma integral de gestión de gastos y compras que ayuda a las empresas a gestionar tarjetas corporativas, pagos de facturas, suscripciones y gastos de la empresa en tiempo real.","support@spendesk.com",{"type":116,"content":1885},[1886],{"type":119,"content":1887},[1888],{"text":1889,"type":125},"Ya existe una cuenta de Spendesk asociada a esta dirección de correo electrónico.",{"type":116,"content":1891},[1892],{"type":119,"content":1893},[1894],{"text":1895,"type":125},"Su empresa ya tiene una cuenta en Spendesk. Solicite acceso a su equipo financiero.","Esto parece ser un correo electrónico personal. Introduce tu dirección de correo profesional.","selected","412","4.6","Se ha producido un error inesperado. Inténtalo de nuevo más tarde o contacta con el equipo de soporte para obtener ayuda.","Esta empresa ya está registrada. Ponte en contacto con tu administrador.","commoncontent","es/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[1911,1912,1913],{"path":1909,"name":25,"lang":37,"published":25},{"path":1909,"name":25,"lang":39,"published":25},{"path":1909,"name":25,"lang":32,"published":25},[1915,1919,1923,1927,1931,1935,1939,1943,1947],{"id":1916,"name":1917,"value":1918,"dimension_value":25},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":1920,"name":1921,"value":1922,"dimension_value":25},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":1924,"name":1925,"value":1926,"dimension_value":25},10736155,"Intercom","ryDQcVoOoZQ",{"id":1928,"name":1929,"value":1930,"dimension_value":25},10736156,"HubSpot","ry0QcNodoWQ",{"id":1932,"name":1933,"value":1934,"dimension_value":25},10736157,"Facebook Pixel","ko1w5PpFl",{"id":1936,"name":1937,"value":1938,"dimension_value":25},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":1940,"name":1941,"value":1942,"dimension_value":25},10736765,"Bing Ads","dsS7z9Hv4",{"id":1944,"name":1945,"value":1946,"dimension_value":25},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":1948,"name":1949,"value":1950,"dimension_value":25},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":1952,"component":1953,"sidebarCta":1954,"leadwallForm":1994,"leadwallTitle":1995,"exitModalPopup":1996,"newsletterForm":1997,"newsletterTitle":2022,"bottomArticleCta":2023,"leadwallSubtitle":2055,"moreArticlesLabel":2056,"breadcrumbBlogLink":2057,"newsletterSubtitle":2059,"breadcrumbBlogLabel":910,"breadcrumbArticleLabel":497,"leadwallSuccessMessage":99,"hiddenNewsletterOnTopics":2060,"componentsAfterTheArticle":2063,"moreArticlesLabelFallback":2202,"sidebarTableOfContentsLabel":2203},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[1955],{"cta":1956,"_uid":1964,"image":1965,"title":1969,"subtitle":1992,"component":1993},[1957],{"tag":99,"_uid":1958,"hide":28,"icon":1959,"link":1961,"type":99,"label":1258,"style":109,"component":110,"mobileLabel":99,"onClickEvent":1963,"openInANewTab":28,"horizontalFill":28},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":1960},{},{"id":1250,"url":99,"linktype":669,"fieldtype":108,"cached_url":1251,"prep":41,"story":1962},{"name":1253,"id":1254,"uuid":1250,"slug":1255,"url":1256,"full_slug":1257,"_stopResolving":41},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":1966,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":1967,"copyright":99,"fieldtype":104,"meta_data":1968,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":116,"content":1970},[1971],{"type":119,"attrs":1972,"content":1973},{"textAlign":25,"key":121},[1974,1983,1985],{"text":1975,"type":125,"marks":1976},"Gasta mejor. ",[1977,1979],{"type":1274,"attrs":1978},{"color":99},{"type":1980,"attrs":1981},"styled",{"class":1982},"text-item-heading text-item-heading-md",{"type":1984},"hard_break",{"text":1986,"type":125,"marks":1987},"Trabaja mejor.",[1988,1990],{"type":1274,"attrs":1989},{"color":99},{"type":1980,"attrs":1991},{"class":1982},"Centraliza tarjetas, facturas y gastos en un único flujo controlado para tener visibilidad en tiempo real y acelerar el cierre financiero.","ctaBlock",[],"Want to continue reading?",[],[1998],{"_uid":1999,"fields":2000,"component":1688,"submitUrl":2020,"hubspotFormId":1691,"successMessage":1692,"horizontalAlign":99,"onSubmitSegmentEvent":2021},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2001],{"_uid":2002,"name":1660,"type":125,"label":1661,"required":41,"component":1662,"submitBtn":1663,"legalNotice":2003,"placeholder":99,"validateEmail":41,"blockPersonalEmailAddresses":28},"cc924123-e126-4829-a72a-43fcf863a045",{"type":116,"content":2004},[2005],{"type":119,"content":2006},[2007,2008,2013,2014,2019],{"text":1669,"type":125},{"text":1671,"type":125,"marks":2009},[2010],{"type":192,"attrs":2011},{"href":1675,"uuid":1581,"anchor":25,"custom":1676,"target":195,"linktype":669,"story":2012},{"name":1584,"id":1585,"uuid":1581,"slug":1586,"url":1587,"full_slug":1588,"_stopResolving":41},{"text":1679,"type":125},{"text":1597,"type":125,"marks":2015},[2016],{"type":192,"attrs":2017},{"href":1684,"uuid":1594,"anchor":25,"custom":1676,"target":195,"linktype":669,"story":2018},{"name":1597,"id":1598,"uuid":1594,"slug":1599,"url":1600,"full_slug":1601,"_stopResolving":41},{"text":1687,"type":125},{"id":99,"url":99,"linktype":669,"fieldtype":108,"cached_url":1690,"prep":41},"website:article:blog_newsletter:form_completed","¿Te gusta lo que lees?",[2024],{"cta":2025,"_uid":2040,"image":2041,"title":2043,"subtitle":2054,"component":1993},[2026],{"tag":99,"_uid":2027,"hide":28,"icon":2028,"link":2030,"type":99,"label":2038,"style":109,"component":110,"mobileLabel":99,"onClickEvent":2039,"openInANewTab":28,"horizontalFill":28},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"source":25,"filename":99,"copyright":25,"fieldtype":104,"meta_data":2029},{},{"id":2031,"url":99,"linktype":669,"fieldtype":108,"cached_url":2032,"prep":41,"story":2033},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/es/platform-tour",{"name":2034,"id":2035,"uuid":2031,"slug":2036,"url":2036,"full_slug":2037,"_stopResolving":41},"Platform tour",413550505,"platform-tour","es/platform-tour","Probar demo interactivo","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":25,"alt":25,"name":99,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":104,"meta_data":2042,"is_external_url":28},{},{"type":116,"content":2044},[2045],{"type":119,"attrs":2046,"content":2047},{"textAlign":25,"key":121},[2048],{"text":2049,"type":125,"marks":2050},"¿Quieres saber  cómo funciona Spendesk?",[2051],{"type":1980,"attrs":2052},{"class":2053},"patron-heading-2 accentuation-01","Prueba nuestro demo interactivo y descubre como controlar  el gasto y las aprobaciones de principio a fin.","Sign up to our newsletter to keep reading","Más artículos sobre",{"id":902,"url":99,"linktype":669,"fieldtype":108,"cached_url":903,"prep":41,"story":2058},{"name":905,"id":906,"uuid":902,"slug":907,"url":908,"full_slug":909,"_stopResolving":41},"Publicamos nuevos artículos como este cada semana. Suscríbete a nuestro Newsletter para mantenerte informado.",[2061,2062],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2064],{"cta":2065,"_uid":2066,"items":2067,"heading":2180,"reverse":28,"component":625,"sectionSettings":2201},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2068,2123],{"_uid":2069,"title":2070,"component":544,"description":2071},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":116,"content":2072},[2073,2078,2103,2108,2113,2118],{"type":119,"attrs":2074,"content":2075},{"textAlign":25},[2076],{"text":2077,"type":125},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":351,"attrs":2079,"content":2081},{"order":2080},1,[2082,2089,2096],{"type":354,"content":2083},[2084],{"type":119,"attrs":2085,"content":2086},{"textAlign":25},[2087],{"text":2088,"type":125},"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":354,"content":2090},[2091],{"type":119,"attrs":2092,"content":2093},{"textAlign":25},[2094],{"text":2095,"type":125},"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":354,"content":2097},[2098],{"type":119,"attrs":2099,"content":2100},{"textAlign":25},[2101],{"text":2102,"type":125},"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":119,"attrs":2104,"content":2105},{"textAlign":25},[2106],{"text":2107,"type":125},"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":119,"attrs":2109,"content":2110},{"textAlign":25},[2111],{"text":2112,"type":125},"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":119,"attrs":2114,"content":2115},{"textAlign":25},[2116],{"text":2117,"type":125},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":119,"attrs":2119,"content":2120},{"textAlign":25},[2121],{"text":2122,"type":125},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2124,"title":2125,"component":544,"description":2126},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":116,"content":2127},[2128,2133,2145,2150,2160,2165,2170,2175],{"type":119,"attrs":2129,"content":2130},{"textAlign":25},[2131],{"text":2132,"type":125},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":119,"attrs":2134,"content":2135},{"textAlign":25},[2136,2140,2143],{"text":2137,"type":125,"marks":2138},"Para los empleados",[2139],{"type":364},{"type":1984,"marks":2141},[2142],{"type":364},{"text":2144,"type":125},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":119,"attrs":2146,"content":2147},{"textAlign":25},[2148],{"text":2149,"type":125},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":119,"attrs":2151,"content":2152},{"textAlign":25},[2153,2157,2158],{"text":2154,"type":125,"marks":2155},"Para los equipos financieros",[2156],{"type":364},{"type":1984},{"text":2159,"type":125},"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":119,"attrs":2161,"content":2162},{"textAlign":25},[2163],{"text":2164,"type":125},"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":119,"attrs":2166,"content":2167},{"textAlign":25},[2168],{"text":2169,"type":125},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":119,"attrs":2171,"content":2172},{"textAlign":25},[2173],{"text":2174,"type":125},"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":119,"attrs":2176,"content":2177},{"textAlign":25},[2178],{"text":2179,"type":125},"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.",[2181],{"cta":2182,"_uid":2183,"title":2184,"eyebrow":2191,"subtitle":2194,"component":176,"textAlign":99,"sectionSettings":2200,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":116,"content":2185},[2186],{"type":176,"attrs":2187,"content":2188},{"level":178},[2189],{"text":2190,"type":125},"Empezar con Spendesk",{"type":116,"content":2192},[2193],{"type":119},{"type":116,"content":2195},[2196],{"type":119,"content":2197},[2198],{"text":2199,"type":125},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2205,2344,2490,2630],{"name":2206,"created_at":2207,"published_at":2208,"updated_at":2209,"id":2210,"uuid":2211,"content":2212,"slug":2332,"full_slug":2333,"sort_by_date":25,"position":2334,"tag_list":2335,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":2336,"first_published_at":2337,"release_id":25,"lang":32,"path":25,"alternates":2338,"default_full_slug":2339,"translated_slugs":2340},"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":2213,"title":2206,"topics":2214,"noIndex":28,"category":2223,"language":2232,"component":509,"heroMedia":2233,"metaTitle":2234,"publishedAt":2235,"readingTime":2236,"redirectUrl":99,"listingImage":2237,"metaDescription":2244,"bottomArticleCta":2245,"componentsAfterTheArticle":2246},"0d77ded5-886f-419e-9cda-bce11bcf3406",[2215],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2216,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2217,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2218,"default_full_slug":163,"translated_slugs":2219,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2220,2221,2222],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":497,"created_at":498,"published_at":16,"updated_at":499,"id":500,"uuid":501,"content":2224,"slug":509,"full_slug":510,"sort_by_date":25,"position":52,"tag_list":2226,"is_startpage":28,"parent_id":512,"meta_data":25,"group_id":513,"first_published_at":514,"release_id":25,"lang":32,"path":25,"alternates":2227,"default_full_slug":516,"translated_slugs":2228,"_stopResolving":41},{"_uid":503,"icon":2225,"name":497,"component":508},{"id":505,"alt":506,"name":99,"focus":99,"title":99,"filename":507,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2229,2230,2231],{"path":516,"name":25,"lang":37,"published":25},{"path":516,"name":25,"lang":39,"published":25},{"path":516,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00","10",[2238],{"_uid":2239,"asset":2240,"caption":99,"component":534},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":2241,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2242,"copyright":99,"fieldtype":104,"meta_data":2243,"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",[],[2247],{"_uid":2248,"items":2249,"heading":2310,"component":625},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[2250,2260,2270,2280,2290,2300],{"_uid":2251,"title":2252,"component":544,"description":2253},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":116,"content":2254},[2255],{"type":119,"attrs":2256,"content":2257},{"textAlign":25},[2258],{"text":2259,"type":125},"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":2261,"title":2262,"component":544,"description":2263},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":116,"content":2264},[2265],{"type":119,"attrs":2266,"content":2267},{"textAlign":25},[2268],{"text":2269,"type":125},"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":2271,"title":2272,"component":544,"description":2273},"803ff731-27c2-4322-9330-6b4f1ac95ce7","¿Cómo afecta la facturación electrónica obligatoria a los plazos de pago?",{"type":116,"content":2274},[2275],{"type":119,"attrs":2276,"content":2277},{"textAlign":25},[2278],{"text":2279,"type":125},"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":2281,"title":2282,"component":544,"description":2283},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":116,"content":2284},[2285],{"type":119,"attrs":2286,"content":2287},{"textAlign":25},[2288],{"text":2289,"type":125},"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":2291,"title":2292,"component":544,"description":2293},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":116,"content":2294},[2295],{"type":119,"attrs":2296,"content":2297},{"textAlign":25},[2298],{"text":2299,"type":125},"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":2301,"title":2302,"component":544,"description":2303},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":116,"content":2304},[2305],{"type":119,"attrs":2306,"content":2307},{"textAlign":25},[2308],{"text":2309,"type":125},"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.",[2311],{"cta":2312,"_uid":2313,"title":2314,"eyebrow":2320,"subtitle":2325,"component":176,"textAlign":99,"flexibleSection":2330,"sectionSettings":2331,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"804f2a1c-7f81-4075-a141-a5e22b1565df",{"type":116,"content":2315},[2316],{"type":176,"attrs":2317,"content":2318},{"level":178,"textAlign":25},[2319],{"text":612,"type":125},{"type":116,"content":2321},[2322],{"type":119,"attrs":2323,"content":2324},{"textAlign":25},[],{"type":116,"content":2326},[2327],{"type":119,"attrs":2328,"content":2329},{"textAlign":25},[],[],[],"morosidad-facturacion-electronica-b2b","es/blog/morosidad-facturacion-electronica-b2b",-2170,[],"540b3078-0e39-4c5f-b8a2-97ea733c3614","2026-07-01T14:17:36.219Z",[],"blog/morosidad-facturacion-electronica-b2b",[2341,2342,2343],{"path":2339,"name":25,"lang":37,"published":25},{"path":2339,"name":25,"lang":39,"published":25},{"path":2339,"name":25,"lang":32,"published":25},{"name":2345,"created_at":2346,"published_at":2347,"updated_at":2348,"id":2349,"uuid":2350,"content":2351,"slug":2478,"full_slug":2479,"sort_by_date":25,"position":2480,"tag_list":2481,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":2482,"first_published_at":2483,"release_id":25,"lang":32,"path":25,"alternates":2484,"default_full_slug":2485,"translated_slugs":2486},"Modelo 210 para no residentes: retenciones a proveedores extranjeros","2026-08-10T14:39:56.814Z","2026-08-27T10:46:34.894Z","2026-08-27T10:46:34.921Z",207598374214948,"22072bc8-cc25-4dca-8bab-b05a188bc69b",{"_uid":2352,"title":2345,"topics":2353,"noIndex":28,"category":2380,"language":2389,"component":509,"heroMedia":2390,"metaTitle":2391,"publishedAt":2392,"readingTime":526,"redirectUrl":99,"listingImage":2393,"metaDescription":2400,"bottomArticleCta":2401,"componentsAfterTheArticle":2402},"fb132bc0-b937-4285-98a0-8ac515a7e04c",[2354,2362],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2355,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2356,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2357,"default_full_slug":163,"translated_slugs":2358,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2359,2360,2361],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":2363,"created_at":2364,"published_at":2365,"updated_at":2366,"id":2367,"uuid":2368,"content":2369,"slug":2370,"full_slug":2371,"sort_by_date":25,"position":157,"tag_list":2372,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":2373,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2374,"default_full_slug":2375,"translated_slugs":2376,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-09-29T09:14:28.236Z","2026-09-29T09:14:28.249Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":154,"name":2363,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[2377,2378,2379],{"path":2375,"name":25,"lang":37,"published":25},{"path":2375,"name":25,"lang":39,"published":25},{"path":2375,"name":25,"lang":32,"published":25},{"name":497,"created_at":498,"published_at":16,"updated_at":499,"id":500,"uuid":501,"content":2381,"slug":509,"full_slug":510,"sort_by_date":25,"position":52,"tag_list":2383,"is_startpage":28,"parent_id":512,"meta_data":25,"group_id":513,"first_published_at":514,"release_id":25,"lang":32,"path":25,"alternates":2384,"default_full_slug":516,"translated_slugs":2385,"_stopResolving":41},{"_uid":503,"icon":2382,"name":497,"component":508},{"id":505,"alt":506,"name":99,"focus":99,"title":99,"filename":507,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2386,2387,2388],{"path":516,"name":25,"lang":37,"published":25},{"path":516,"name":25,"lang":39,"published":25},{"path":516,"name":25,"lang":32,"published":25},[32],[],"Modelo 210 para no residentes: retenciones a proveedores ext","2026-08-01 00:00",[2394],{"_uid":2395,"asset":2396,"caption":99,"component":534},"01d5ea53-b9cf-459a-b80f-2336c1700344",{"id":2397,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2398,"copyright":99,"fieldtype":104,"meta_data":2399,"is_external_url":28},213557132025390,"https://a.storyblok.com/f/146026/1536x1024/ff5fe8feda/modelo-210-no-residentes-blog.png",{},"Guía del modelo 210 no residentes para empresas: cuándo retener el IRNR a proveedores extranjeros, qué tipo aplicar y cómo presentar el Modelo 216.",[],[2403],{"_uid":2404,"items":2405,"heading":2456,"component":625},"c53d5623-504b-4343-920d-020f075166c2",[2406,2416,2426,2436,2446],{"_uid":2407,"title":2408,"component":544,"description":2409},"b7a6c1d9-667f-4290-90e9-8eac1209f9c9","¿Qué documentos necesita una empresa para retener e ingresar el IRNR a un proveedor no residente?",{"type":116,"content":2410},[2411],{"type":119,"attrs":2412,"content":2413},{"textAlign":25},[2414],{"text":2415,"type":125},"Reúne el contrato o pedido, la factura del proveedor, el certificado de residencia fiscal, la documentación del CDI aplicable, el cálculo de la retención y el justificante del ingreso. Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":2417,"title":2418,"component":544,"description":2419},"2d2f199c-768f-4311-ad9c-01d5d4b9a7a9","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":116,"content":2420},[2421],{"type":119,"attrs":2422,"content":2423},{"textAlign":25},[2424],{"text":2425,"type":125},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":2427,"title":2428,"component":544,"description":2429},"63d190c0-3c99-46fe-ad81-bf5387a86407","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":116,"content":2430},[2431],{"type":119,"attrs":2432,"content":2433},{"textAlign":25},[2434],{"text":2435,"type":125},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":2437,"title":2438,"component":544,"description":2439},"071f8fe8-6df9-47c2-b583-ef1168c36e2e","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":116,"content":2440},[2441],{"type":119,"attrs":2442,"content":2443},{"textAlign":25},[2444],{"text":2445,"type":125},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":2447,"title":2448,"component":544,"description":2449},"4de825b9-4c40-40ea-a669-61d8b133daab","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":116,"content":2450},[2451],{"type":119,"attrs":2452,"content":2453},{"textAlign":25},[2454],{"text":2455,"type":125},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega.",[2457],{"cta":2458,"_uid":2459,"title":2460,"eyebrow":2466,"subtitle":2471,"component":176,"textAlign":99,"flexibleSection":2476,"sectionSettings":2477,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"56d8941f-4368-4ebf-b3fa-30abb22e5a34",{"type":116,"content":2461},[2462],{"type":176,"attrs":2463,"content":2464},{"level":178,"textAlign":25},[2465],{"text":612,"type":125},{"type":116,"content":2467},[2468],{"type":119,"attrs":2469,"content":2470},{"textAlign":25},[],{"type":116,"content":2472},[2473],{"type":119,"attrs":2474,"content":2475},{"textAlign":25},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2410,[],"a3f091f5-323c-4173-a95e-1977530b00e3","2026-08-10T14:39:56.884Z",[],"blog/modelo-210-no-residentes",[2487,2488,2489],{"path":2485,"name":25,"lang":37,"published":25},{"path":2485,"name":25,"lang":39,"published":25},{"path":2485,"name":25,"lang":32,"published":25},{"name":2491,"created_at":2492,"published_at":2493,"updated_at":2494,"id":2495,"uuid":2496,"content":2497,"slug":2618,"full_slug":2619,"sort_by_date":25,"position":2620,"tag_list":2621,"is_startpage":28,"parent_id":630,"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},"Conciliación de facturas: cómo evitar errores y agilizar las aprobaciones","2026-09-14T09:05:53.951Z","2026-09-21T13:54:47.646Z","2026-09-21T13:54:47.665Z",219902582629816,"ad936d95-b8f6-45e4-a7a0-085d5d666a9c",{"_uid":2498,"title":2491,"topics":2499,"noIndex":28,"category":2508,"language":2517,"component":509,"heroMedia":2518,"metaTitle":2519,"publishedAt":2520,"readingTime":2521,"redirectUrl":99,"listingImage":2522,"metaDescription":2530,"bottomArticleCta":2531,"componentsAfterTheArticle":2532},"4d9a1a9c-f0f5-4775-ae79-8b73f718b041",[2500],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2501,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2502,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2503,"default_full_slug":163,"translated_slugs":2504,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2505,2506,2507],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":497,"created_at":498,"published_at":16,"updated_at":499,"id":500,"uuid":501,"content":2509,"slug":509,"full_slug":510,"sort_by_date":25,"position":52,"tag_list":2511,"is_startpage":28,"parent_id":512,"meta_data":25,"group_id":513,"first_published_at":514,"release_id":25,"lang":32,"path":25,"alternates":2512,"default_full_slug":516,"translated_slugs":2513,"_stopResolving":41},{"_uid":503,"icon":2510,"name":497,"component":508},{"id":505,"alt":506,"name":99,"focus":99,"title":99,"filename":507,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2514,2515,2516],{"path":516,"name":25,"lang":37,"published":25},{"path":516,"name":25,"lang":39,"published":25},{"path":516,"name":25,"lang":32,"published":25},[32],[],"Conciliación de facturas: cómo evitar errores y agilizar las","2026-09-11 00:00","15",[2523],{"_uid":2524,"link":2525,"asset":2526,"caption":99,"component":534},"7e312a70-4f3a-4e88-b050-cd857b48328a",{"id":99,"url":99,"linktype":669,"fieldtype":108,"cached_url":1690,"prep":41},{"id":2527,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2528,"copyright":99,"fieldtype":104,"meta_data":2529,"is_external_url":28},222450767110397,"https://a.storyblok.com/f/146026/1672x941/aaeed3460e/conciliacion-de-facturas.png",{},"Descubre qué es la conciliación de facturas, por qué se producen los descuadres y cómo la integración con el ERP y los flujos de aprobación agilizan tus pagos.",[],[2533],{"_uid":2534,"items":2535,"heading":2596,"component":625},"05d3fd1f-9939-4b87-b169-e126811177e6",[2536,2546,2556,2566,2576,2586],{"_uid":2537,"title":2538,"component":544,"description":2539},"3797035d-947e-4241-a972-750ae5ade4b6","¿Qué causa los descuadres en las facturas?",{"type":116,"content":2540},[2541],{"type":119,"attrs":2542,"content":2543},{"textAlign":25},[2544],{"text":2545,"type":125},"Suelen producirse cuando el precio, la cantidad, el concepto o las condiciones de la factura no coinciden con el pedido o con la recepción. También pueden deberse a entregas parciales, cargos adicionales, facturas duplicadas o ausencia de una referencia de compra.",{"_uid":2547,"title":2548,"component":544,"description":2549},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":116,"content":2550},[2551],{"type":119,"attrs":2552,"content":2553},{"textAlign":25},[2554],{"text":2555,"type":125},"La factura debe pasar a revisión antes de continuar al pago, según la política de la empresa. El responsable puede confirmar si existe una entrega pendiente, corregir el pedido, solicitar una factura rectificativa o aprobar la diferencia cuando esté justificada.",{"_uid":2557,"title":2558,"component":544,"description":2559},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":116,"content":2560},[2561],{"type":119,"attrs":2562,"content":2563},{"textAlign":25},[2564],{"text":2565,"type":125},"Los más habituales son seleccionar una cuenta contable incorrecta, asignar el gasto a otro centro de costes, duplicar el registro o utilizar datos desactualizados del proveedor. También puede ser necesario revisar la información fiscal de la operación.",{"_uid":2567,"title":2568,"component":544,"description":2569},"e58f7c77-176f-41fa-bb44-ef9423fa8b57","¿Cómo puede mejorar una empresa el procesamiento de facturas?",{"type":116,"content":2570},[2571],{"type":119,"attrs":2572,"content":2573},{"textAlign":25},[2574],{"text":2575,"type":125},"Puede definir qué documentación necesita para cada tipo de compra, capturar la codificación en la solicitud o el pedido, utilizar OCR para reducir la introducción manual, establecer reglas de tolerancia e integrar la información con el ERP cuando la conexión disponible cubra sus necesidades.",{"_uid":2577,"title":2578,"component":544,"description":2579},"8fad0725-50d7-49cb-b1f2-3c664e9fae01","¿En qué se diferencia la conciliación de facturas de la conciliación bancaria?",{"type":116,"content":2580},[2581],{"type":119,"attrs":2582,"content":2583},{"textAlign":25},[2584],{"text":2585,"type":125},"La conciliación de facturas comprueba si una factura puede aprobarse y pagarse comparándola con el pedido y la recepción. La conciliación bancaria comprueba después si los movimientos de la cuenta coinciden con los apuntes contables.",{"_uid":2587,"title":2588,"component":544,"description":2589},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":116,"content":2590},[2591],{"type":119,"attrs":2592,"content":2593},{"textAlign":25},[2594],{"text":2595,"type":125},"Spendesk no es un ERP. Es una plataforma de gestión de gastos y cuentas por pagar que ayuda a centralizar las facturas, los pedidos y la documentación de respaldo, facilitar la comparación de la información disponible, identificar excepciones y dirigir cada operación al flujo de aprobación correspondiente. También puede ayudar a preparar los datos para conectarlos con el sistema financiero y evitar que las discrepancias se descubran al cierre de mes, cuando ya queda poco margen para corregirlas.",[2597],{"cta":2598,"_uid":2599,"title":2600,"eyebrow":2606,"subtitle":2611,"component":176,"textAlign":99,"flexibleSection":2616,"sectionSettings":2617,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"bc20a4a6-1ac6-49d9-a31d-740c9b91c095",{"type":116,"content":2601},[2602],{"type":176,"attrs":2603,"content":2604},{"level":178,"textAlign":25},[2605],{"text":612,"type":125},{"type":116,"content":2607},[2608],{"type":119,"attrs":2609,"content":2610},{"textAlign":25},[],{"type":116,"content":2612},[2613],{"type":119,"attrs":2614,"content":2615},{"textAlign":25},[],[],[],"conciliacion-de-facturas","es/blog/conciliacion-de-facturas",-3490,[],"812b517e-2eda-4778-bfe2-493605327cf9","2026-09-14T09:05:53.999Z",[],"blog/conciliacion-de-facturas",[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":2767,"full_slug":2768,"sort_by_date":25,"position":2769,"tag_list":2770,"is_startpage":28,"parent_id":630,"meta_data":25,"group_id":2771,"first_published_at":2772,"release_id":25,"lang":32,"path":25,"alternates":2773,"default_full_slug":2774,"translated_slugs":2775},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":2638,"title":2631,"topics":2639,"noIndex":28,"category":2648,"language":2657,"component":509,"heroMedia":2658,"metaTitle":2659,"publishedAt":2660,"readingTime":2521,"redirectUrl":99,"listingImage":2661,"metaDescription":2669,"bottomArticleCta":2670,"componentsAfterTheArticle":2671},"7c8baf82-c72c-4bd0-978c-914b4de81327",[2640],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2641,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2642,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2643,"default_full_slug":163,"translated_slugs":2644,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2645,2646,2647],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":497,"created_at":498,"published_at":16,"updated_at":499,"id":500,"uuid":501,"content":2649,"slug":509,"full_slug":510,"sort_by_date":25,"position":52,"tag_list":2651,"is_startpage":28,"parent_id":512,"meta_data":25,"group_id":513,"first_published_at":514,"release_id":25,"lang":32,"path":25,"alternates":2652,"default_full_slug":516,"translated_slugs":2653,"_stopResolving":41},{"_uid":503,"icon":2650,"name":497,"component":508},{"id":505,"alt":506,"name":99,"focus":99,"title":99,"filename":507,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2654,2655,2656],{"path":516,"name":25,"lang":37,"published":25},{"path":516,"name":25,"lang":39,"published":25},{"path":516,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","2026-08-26 00:00",[2662],{"_uid":2663,"asset":2664,"caption":99,"component":534},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":2665,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2666,"copyright":99,"fieldtype":104,"meta_data":2667,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":2668},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[2672],{"_uid":2673,"items":2674,"heading":2745,"component":625},"def80281-c114-48d8-922b-c6452f4b32e1",[2675,2685,2695,2705,2715,2725,2735],{"_uid":2676,"title":2677,"component":544,"description":2678},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":116,"content":2679},[2680],{"type":119,"attrs":2681,"content":2682},{"textAlign":25},[2683],{"text":2684,"type":125},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":2686,"title":2687,"component":544,"description":2688},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":116,"content":2689},[2690],{"type":119,"attrs":2691,"content":2692},{"textAlign":25},[2693],{"text":2694,"type":125},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":2696,"title":2697,"component":544,"description":2698},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":116,"content":2699},[2700],{"type":119,"attrs":2701,"content":2702},{"textAlign":25},[2703],{"text":2704,"type":125},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":2706,"title":2707,"component":544,"description":2708},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":116,"content":2709},[2710],{"type":119,"attrs":2711,"content":2712},{"textAlign":25},[2713],{"text":2714,"type":125},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":2716,"title":2717,"component":544,"description":2718},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":116,"content":2719},[2720],{"type":119,"attrs":2721,"content":2722},{"textAlign":25},[2723],{"text":2724,"type":125},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":2726,"title":2727,"component":544,"description":2728},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":116,"content":2729},[2730],{"type":119,"attrs":2731,"content":2732},{"textAlign":25},[2733],{"text":2734,"type":125},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":2736,"title":2737,"component":544,"description":2738},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":116,"content":2739},[2740],{"type":119,"attrs":2741,"content":2742},{"textAlign":25},[2743],{"text":2744,"type":125},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus obligaciones.",[2746],{"cta":2747,"_uid":2748,"title":2749,"eyebrow":2755,"subtitle":2760,"component":176,"textAlign":99,"flexibleSection":2765,"sectionSettings":2766,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":116,"content":2750},[2751],{"type":176,"attrs":2752,"content":2753},{"level":178,"textAlign":25},[2754],{"text":612,"type":125},{"type":116,"content":2756},[2757],{"type":119,"attrs":2758,"content":2759},{"textAlign":25},[],{"type":116,"content":2761},[2762],{"type":119,"attrs":2763,"content":2764},{"textAlign":25},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2980,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[2776,2777,2778],{"path":2774,"name":25,"lang":37,"published":25},{"path":2774,"name":25,"lang":39,"published":25},{"path":2774,"name":25,"lang":32,"published":25},1793991676603]