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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},[170,175,182,206,212,226,231,245,251,257,263,277,282,294,299,304,325,330,335,348,361,366,371,384,389,395,401,406,412,426,432,454],{"type":119,"attrs":171,"content":172},{"textAlign":25,"key":121},[173],{"text":174,"type":125},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más documentación. Con el Plan Anual de Control Tributario y Aduanero 2026, la Agencia Estatal de Administración Tributaria (AEAT) recibe por primera vez datos detallados de las operaciones con tarjeta directamente de las entidades financieras. Cada cargo, cada comercio, cada retirada de efectivo queda registrado y se cruza con lo que tu empresa declara en el Impuesto sobre la Renta de las Personas Físicas (IRPF). Este artículo explica qué es la retribución en especie, cómo se declara correctamente y qué debe hacer tu equipo de finanzas para mantener la documentación a prueba de inspección.",{"type":176,"attrs":177,"content":179},"heading",{"level":178,"textAlign":25},3,[180],{"text":181,"type":125},"La retribución en especie bajo el Plan de Control Tributario 2026",{"type":119,"attrs":183,"content":185},{"textAlign":25,"key":184},"p-1",[186,188,196,198,204],{"text":187,"type":125},"Según el ",{"text":189,"type":125,"marks":190},"artículo 42 de la Ley del IRPF",[191],{"type":192,"attrs":193},"link",{"href":194,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.iberley.es/legislacion/articulo-42-ley-impuesto-sobre-renta-personas-fisicas-irpf","_blank",{"text":197,"type":125}," (LIRPF), la retribución en especie es la utilización, consumo u obtención, para fines particulares, de bienes, derechos o servicios de forma gratuita o por precio inferior al de mercado. En la práctica, esto abarca desde el vehículo de empresa hasta el seguro médico, pasando por la tarjeta restaurante, la formación bonificada o los préstamos a tipo de interés inferior al legal del dinero. Muchas de estas partidas se canalizan a través de ",{"text":199,"type":125,"marks":200},"tarjetas de empresa",[201],{"type":192,"attrs":202},{"href":203,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/tarjetas-corporativas/",{"text":205,"type":125}," que dejan un rastro documental directo. En empresas de 50 a 1.000 empleados, donde los paquetes retributivos combinan varios de estos elementos, la valoración correcta es un ejercicio contable recurrente.",{"type":119,"attrs":207,"content":209},{"textAlign":25,"key":208},"p-2",[210],{"text":211,"type":125},"La legislación establece que la retribución en especie no puede superar el 30 % del salario bruto del trabajador, y en ningún caso puede reducir la retribución dineraria por debajo del Salario Mínimo Interprofesional (SMI). Estos límites son relevantes porque una mala planificación puede generar un exceso que la AEAT identifique como irregularidad.",{"type":119,"attrs":213,"content":215},{"textAlign":25,"key":214},"p-3",[216,218,224],{"text":217,"type":125},"El ",{"text":219,"type":125,"marks":220},"Plan de Control Tributario 2026",[221],{"type":192,"attrs":222},{"href":223,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-5843",{"text":225,"type":125}," intensifica la vigilancia sobre estos conceptos. Las entidades financieras comunican a la AEAT los datos de operaciones con tarjeta mediante el Modelo 170, lo que permite al organismo cruzar los movimientos reales de cada tarjeta de empresa con las retribuciones en especie declaradas en el IRPF de los empleados. Cuando un director financiero descubre que los 12 vehículos de empresa de su flota no están correctamente valorados en las declaraciones de IRPF de los empleados, el problema ya no es solo contable; es un desajuste que la AEAT puede detectar de forma automatizada antes de que la empresa lo corrija.",{"type":176,"attrs":227,"content":228},{"level":178,"textAlign":25},[229],{"text":230,"type":125},"Retribuciones en especie exentas y sujetas al IRPF",{"type":119,"attrs":232,"content":234},{"textAlign":25,"key":233},"p-4",[235,237,243],{"text":236,"type":125},"No todas las retribuciones en especie tributan. La LIRPF establece varias exenciones con límites concretos, detallados en el ",{"text":238,"type":125,"marks":239},"manual práctico del IRPF de la AEAT",[240],{"type":192,"attrs":241},{"href":242,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/irpf-2025/c03-rendimientos-trabajo/rendimientos-trabajo-especie/concepto.html",{"text":244,"type":125},", que el equipo de finanzas debe controlar con precisión.",{"type":119,"attrs":246,"content":248},{"textAlign":25,"key":247},"p-5",[249],{"text":250,"type":125},"Las retribuciones exentas con límite incluyen la tarjeta restaurante, exenta hasta 11 euros por día laborable; el seguro médico, exento hasta 500 euros por persona y año (1.500 euros para personas con discapacidad); el abono de transporte público, exento hasta 1.500 euros anuales; la guardería de empresa, exenta sin límite cuantitativo; y la formación vinculada a la actividad de la empresa, también exenta sin tope.",{"type":119,"attrs":252,"content":254},{"textAlign":25,"key":253},"p-6",[255],{"text":256,"type":125},"En cuanto a las retribuciones que sí tributan, las reglas de valoración varían según el tipo de beneficio. El vehículo de empresa se valora al 20 % anual de su coste de adquisición para el pagador, incluidos los tributos. La vivienda se valora al 10 % del valor catastral (5 % si el valor catastral ha sido revisado en los últimos 10 años). Los préstamos a tipo de interés inferior al legal del dinero generan una retribución en especie por la diferencia entre el interés legal y el efectivamente cobrado.",{"type":119,"attrs":258,"content":260},{"textAlign":25,"key":259},"p-7",[261],{"text":262,"type":125},"El ingreso a cuenta es la obligación del empleador de ingresar a la AEAT una cantidad equivalente a la retención de IRPF que correspondería sobre el valor de la retribución en especie. Este importe puede repercutirse al trabajador o asumirlo la empresa; en ambos casos, debe aparecer en la nómina.",{"type":119,"attrs":264,"content":266},{"textAlign":25,"key":265},"p-8",[267,269,275],{"text":268,"type":125},"Lo crítico es que las condiciones de exención son estrictas. Cuando la responsable de administración de una empresa de 120 empleados revisa los registros y descubre que varias tarjetas restaurante se han utilizado en sábados y domingos, esos importes pierden la exención automáticamente. Lo que era un gasto exento de 11 euros por día se convierte en retribución en especie sujeta al IRPF en la siguiente declaración, con el correspondiente ingreso a cuenta que la empresa debería haber practicado. Documentar cada gasto correctamente en la ",{"text":270,"type":125,"marks":271},"nota de gastos",[272],{"type":192,"attrs":273},{"href":274,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/nota-de-gastos-que-es-como-hacerla-y-como-automatizar-los-reembolsos/",{"text":276,"type":125}," es la primera línea de defensa.",{"type":176,"attrs":278,"content":279},{"level":178,"textAlign":25},[280],{"text":281,"type":125},"El Modelo 170 y las obligaciones informativas sobre tarjetas de empresa",{"type":119,"attrs":283,"content":284},{"textAlign":25,"key":121},[285,286,292],{"text":217,"type":125},{"text":287,"type":125,"marks":288},"Modelo 170",[289],{"type":192,"attrs":290},{"href":291,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/declaraciones-informativas/modelo-170.html",{"text":293,"type":125}," es la declaración informativa anual mediante la cual las entidades financieras comunican a la AEAT las operaciones realizadas con tarjetas de crédito, débito y prepago. Aunque la empresa no presenta este modelo directamente, los datos que contiene afectan a su posición fiscal.",{"type":119,"attrs":295,"content":296},{"textAlign":25,"key":184},[297],{"text":298,"type":125},"Las entidades financieras declaran los cargos, abonos, recargas, retiradas de efectivo y gastos realizados en comercios cuyo volumen total de operaciones supere los 25.000 euros anuales. La AEAT recibe, por tanto, un mapa detallado del gasto por tarjeta, con identificación del comercio y el importe de cada operación.",{"type":119,"attrs":300,"content":301},{"textAlign":25,"key":208},[302],{"text":303,"type":125},"Esta información se cruza de forma automatizada con las declaraciones de IRPF de la empresa y sus empleados. Cuando hay discrepancias entre lo que la empresa declara como gasto empresarial y lo que las tarjetas reflejan como uso real, el sistema genera alertas que pueden derivar en un procedimiento de comprobación.",{"type":119,"attrs":305,"content":306},{"textAlign":25,"key":214},[307,309,315,317,323],{"text":308,"type":125},"El riesgo se materializa en situaciones concretas. Una empresa que emite tarjetas de empresa a 40 empleados para gastos de viaje puede descubrir que tres de ellos utilizan la tarjeta de empresa para gastos personales. El Modelo 170 muestra patrones de gasto en comercios de electrónica de consumo, moda o restauración de fin de semana que no encajan con la actividad profesional declarada. Esas incoherencias son exactamente lo que el Plan de Control Tributario 2026 busca identificar, y el equipo de finanzas necesita detectarlas antes de que lo haga la AEAT. Mantener un registro riguroso de cada justificante en las ",{"text":310,"type":125,"marks":311},"hojas de gastos",[312],{"type":192,"attrs":313},{"href":314,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":316,"type":125}," de la empresa es el primer filtro, y las políticas de ",{"text":318,"type":125,"marks":319},"gastos de viaje",[320],{"type":192,"attrs":321},{"href":322,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/gastos-de-viaje/",{"text":324,"type":125}," deben reflejar estas restricciones.",{"type":176,"attrs":326,"content":327},{"level":178,"textAlign":25},[328],{"text":329,"type":125},"Contabilizar la retribución en especie en la nómina y en la declaración",{"type":119,"attrs":331,"content":332},{"textAlign":25,"key":233},[333],{"text":334,"type":125},"La retribución en especie aparece como una línea separada en la nómina del trabajador. Su inclusión incrementa tanto la base de cotización a la Seguridad Social como la base de retención del IRPF, lo que afecta al coste total para la empresa y a la tributación del empleado.",{"type":119,"attrs":336,"content":337},{"textAlign":25,"key":247},[338,340,346],{"text":339,"type":125},"Para contabilizar la retribución en especie correctamente, el proceso sigue cinco pasos. Primero, identificar el beneficio y clasificarlo según su tipo (vehículo, seguro, tarjeta restaurante). Segundo, aplicar la regla de valoración correspondiente; por ejemplo, el 20 % anual del valor de adquisición para un vehículo de empresa. Tercero, calcular el ingreso a cuenta aplicando el porcentaje de retención de IRPF vigente sobre el valor de la retribución en especie. Cuarto, registrar tanto la retribución en especie como el ingreso a cuenta en la nómina mensual. Quinto, declarar los importes en el Modelo 111 (declaración mensual o trimestral de retenciones) y en el Modelo 190 (resumen anual). Integrar estos pasos en el ",{"text":341,"type":125,"marks":342},"cierre de mes",[343],{"type":192,"attrs":344},{"href":345,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":347,"type":125}," evita acumular descuadres que se multiplican al final del ejercicio.",{"type":119,"attrs":349,"content":350},{"textAlign":25,"key":253},[351,353,359],{"text":352,"type":125},"Cada beneficio requiere un justificante documental: la cláusula contractual que lo establece, la factura del proveedor y el cálculo de valoración aplicado. La legislación tributaria obliga a conservar estos documentos durante cuatro años a efectos fiscales; la legislación mercantil extiende la obligación a seis años. En la práctica, digitalizar estos justificantes mediante ",{"text":354,"type":125,"marks":355},"recibos digitales",[356],{"type":192,"attrs":357},{"href":358,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/recibo-digital/",{"text":360,"type":125}," simplifica tanto el archivo como la respuesta ante un requerimiento.",{"type":176,"attrs":362,"content":363},{"level":178,"textAlign":25},[364],{"text":365,"type":125},"Justificantes obligatorios por tipo de retribución en especie",{"type":119,"attrs":367,"content":368},{"textAlign":25,"key":259},[369],{"text":370,"type":125},"La AEAT no se limita a verificar que la retribución en especie figura en nómina; exige la documentación acreditativa que respalda cada valoración. Para el vehículo de empresa, el inspector espera la factura de adquisición, el cálculo del 20 % anual sobre el coste total, la acreditación del porcentaje de uso particular frente al profesional y un registro de kilometraje que sustente esa proporción. En el caso del seguro médico, la empresa debe conservar la póliza colectiva emitida a su nombre, el certificado de primas desglosado por asegurado y la verificación de que no se supera el límite de 500 euros por persona y año. Para la tarjeta restaurante, es necesario un registro que vincule cada uso al NIF del empleado y a la cuantía por día laborable, junto con un control que identifique utilizaciones en fines de semana, ya que estas pierden la exención automáticamente. En cuanto a los gastos de desplazamiento, la factura debe estar emitida a nombre de la empresa, y es la propia empresa, no el empleado, quien debe acreditar la realidad de los desplazamientos, conforme al criterio establecido en la STS 426/2025. Toda esta documentación debe estar en poder de la empresa antes de que se inicie una inspección, no recopilarse a posteriori.",{"type":119,"attrs":372,"content":373},{"textAlign":25,"key":265},[374,376,382],{"text":375,"type":125},"Cuando un controller financiero debe procesar la retribución en especie de 15 empleados con vehículo de empresa, el volumen de documentación se multiplica: facturas de adquisición, cálculo del 20 % anual, ingreso a cuenta mensual y conciliación con los gastos de combustible y mantenimiento registrados en las tarjetas de empresa. Las ",{"text":377,"type":125,"marks":378},"tarjetas de empresa de Spendesk",[379],{"type":192,"attrs":380},{"href":381,"uuid":25,"anchor":25,"target":195,"linktype":107},"/es/product/cards/",{"text":383,"type":125}," registran cada transacción con el comercio, el importe, la categoría y el justificante adjunto, generando la trazabilidad que la AEAT espera en una comprobación. La funcionalidad Play by the Rules bloquea la tarjeta si el empleado no adjunta el recibo, lo que impulsa una tasa de recepción de justificantes del 97-98 %.",{"type":176,"attrs":385,"content":386},{"level":178,"textAlign":25},[387],{"text":388,"type":125},"Preparar al equipo de finanzas para el Plan de Control Tributario 2026",{"type":119,"attrs":390,"content":392},{"textAlign":25,"key":391},"p-9",[393],{"text":394,"type":125},"La preparación comienza con un control de gastos estructurado y una auditoría interna del paquete retributivo. Cada retribución en especie debe estar catalogada por tipo, empleado, método de valoración y estado de exención. Si ese catálogo no existe, cualquier requerimiento de la AEAT obliga a reconstruirlo bajo presión.",{"type":119,"attrs":396,"content":398},{"textAlign":25,"key":397},"p-10",[399],{"text":400,"type":125},"El segundo paso es revisar la política de tarjetas de la empresa. Las tarjetas deben tener restricciones de uso que impidan compras personales, y cada transacción necesita un justificante adjunto en el momento del gasto, no al cierre del mes.",{"type":176,"attrs":402,"content":403},{"level":178,"textAlign":25},[404],{"text":405,"type":125},"Contenido mínimo de tu política de tarjeta de empresa para resistir una inspección",{"type":119,"attrs":407,"content":409},{"textAlign":25,"key":408},"p-11",[410],{"text":411,"type":125},"Una política de tarjetas de empresa que resista una comprobación de la AEAT necesita elementos concretos. Debe establecer límites de gasto por categoría de comercio y por empleado, con restricciones basadas en códigos de actividad comercial (MCC) que bloqueen categorías de uso personal. El plazo de adjunción del justificante debe ser en el momento del gasto, no al cierre del mes. La política ha de incluir una cláusula expresa de prohibición de uso personal con consecuencias definidas para el empleado. La frecuencia de conciliación entre los movimientos de tarjeta y los registros contables debe ser, como mínimo, mensual. También es necesario un protocolo de detección y resolución de gastos personales antes del cierre de cada mes, de forma que las incidencias se corrijan en el periodo en que se producen. Este nivel de detalle cobra mayor relevancia con la entrada en vigor del Modelo 174, la nueva declaración informativa anual sobre todo tipo de tarjetas, que se presentará por primera vez en enero de 2027 sobre datos del ejercicio 2026, lo que amplía significativamente la capacidad de cruce automatizado de la AEAT.",{"type":119,"attrs":413,"content":415},{"textAlign":25,"key":414},"p-12",[416,418,424],{"text":417,"type":125},"Después, la ",{"text":419,"type":125,"marks":420},"conciliación bancaria",[421],{"type":192,"attrs":422},{"href":423,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":425,"type":125}," entre los movimientos de tarjeta y los registros de nómina debe ser sistemática. Los datos que la AEAT recibe a través del Modelo 170 tienen que ser coherentes con lo que la empresa declara. Cualquier desfase entre el gasto real con tarjeta y la retribución en especie declarada es una señal de alerta.",{"type":119,"attrs":427,"content":429},{"textAlign":25,"key":428},"p-13",[430],{"text":431,"type":125},"También es necesario formar a los responsables de administración sobre el riesgo de reclasificación. Un gasto registrado como gasto de empresa que en realidad es un beneficio personal del empleado se convierte en retribución en especie no declarada, con las consecuencias fiscales correspondientes.",{"type":119,"attrs":433,"content":435},{"textAlign":25,"key":434},"p-14",[436,438,444,446,452],{"text":437,"type":125},"Un director de administración y finanzas de una empresa de 200 empleados que aplica una lista de verificación previa al cierre centrada en la conciliación de tarjetas y la auditoría de retribuciones en especie reduce de forma medible el riesgo de reclasificación en el IRPF. La verificación de que todos los justificantes están en regla cierra el proceso. Conocer las fechas clave del ",{"text":439,"type":125,"marks":440},"año fiscal en España",[441],{"type":192,"attrs":442},{"href":443,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/ano-fiscal/",{"text":445,"type":125}," y las ",{"text":447,"type":125,"marks":448},"directrices del Plan 2026",[449],{"type":192,"attrs":450},{"href":451,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/planificacion/plan-general-control-tributario/directrices-plan-2026.html",{"text":453,"type":125}," permite anticipar los plazos de presentación del Modelo 111 y del Modelo 190.",{"type":119,"attrs":455,"content":457},{"textAlign":25,"key":456},"p-15",[458],{"text":459,"type":125},"Una plataforma de gestión del gasto empresarial que exige la captura del justificante antes de permitir el siguiente uso de la tarjeta (con una tasa del 97-98 % de justificantes recibidos a tiempo) y que exporta los registros de transacciones directamente a la gestoría o al software contable (Sage, Holded, A3) convierte el cumplimiento en un hábito diario, no en una urgencia de cierre mensual.",{"name":461,"created_at":462,"published_at":16,"updated_at":463,"id":464,"uuid":465,"content":466,"slug":473,"full_slug":474,"sort_by_date":25,"position":52,"tag_list":475,"is_startpage":28,"parent_id":476,"meta_data":25,"group_id":477,"first_published_at":478,"release_id":25,"lang":32,"path":25,"alternates":479,"default_full_slug":480,"translated_slugs":481,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":467,"icon":468,"name":461,"component":472},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":469,"alt":470,"name":99,"focus":99,"title":99,"filename":471,"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",[482,483,484],{"path":480,"name":25,"lang":37,"published":25},{"path":480,"name":25,"lang":39,"published":25},{"path":480,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo",[],"2026-07-01 00:00","13",[492],{"_uid":493,"asset":494,"caption":99,"component":498},"71b7f715-948b-4a24-8379-000055d9922b",{"id":495,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":496,"copyright":99,"fieldtype":104,"meta_data":497,"is_external_url":28},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"image","Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[502],{"_uid":503,"items":504,"heading":556,"component":580},"392b2cba-2459-4fae-9ca3-82a370a248fc",[505,516,526,536,546],{"_uid":506,"title":507,"component":508,"description":509},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?","faqItem",{"type":116,"content":510},[511],{"type":119,"attrs":512,"content":513},{"textAlign":25,"key":121},[514],{"text":515,"type":125},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":517,"title":518,"component":508,"description":519},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":116,"content":520},[521],{"type":119,"attrs":522,"content":523},{"textAlign":25,"key":121},[524],{"text":525,"type":125},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":527,"title":528,"component":508,"description":529},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":116,"content":530},[531],{"type":119,"attrs":532,"content":533},{"textAlign":25,"key":121},[534],{"text":535,"type":125},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":537,"title":538,"component":508,"description":539},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":116,"content":540},[541],{"type":119,"attrs":542,"content":543},{"textAlign":25,"key":121},[544],{"text":545,"type":125},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":547,"title":548,"component":508,"description":549},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":116,"content":550},[551],{"type":119,"attrs":552,"content":553},{"textAlign":25,"key":121},[554],{"text":555,"type":125},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la 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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":2066,"content":2067},{"textAlign":25},[2068],{"text":2069,"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":2071,"content":2072},{"textAlign":25},[2073],{"text":2074,"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":2076,"content":2077},{"textAlign":25},[2078],{"text":2079,"type":125},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2081,"title":2082,"component":508,"description":2083},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":116,"content":2084},[2085,2090,2102,2107,2117,2122,2127,2132],{"type":119,"attrs":2086,"content":2087},{"textAlign":25},[2088],{"text":2089,"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":2091,"content":2092},{"textAlign":25},[2093,2097,2100],{"text":2094,"type":125,"marks":2095},"Para los empleados",[2096],{"type":1231},{"type":1939,"marks":2098},[2099],{"type":1231},{"text":2101,"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":2103,"content":2104},{"textAlign":25},[2105],{"text":2106,"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":2108,"content":2109},{"textAlign":25},[2110,2114,2115],{"text":2111,"type":125,"marks":2112},"Para los equipos financieros",[2113],{"type":1231},{"type":1939},{"text":2116,"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":2118,"content":2119},{"textAlign":25},[2120],{"text":2121,"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":2123,"content":2124},{"textAlign":25},[2125],{"text":2126,"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":2128,"content":2129},{"textAlign":25},[2130],{"text":2131,"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":2133,"content":2134},{"textAlign":25},[2135],{"text":2136,"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.",[2138],{"cta":2139,"_uid":2140,"title":2141,"eyebrow":2148,"subtitle":2151,"component":176,"textAlign":99,"sectionSettings":2157,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":116,"content":2142},[2143],{"type":176,"attrs":2144,"content":2145},{"level":564},[2146],{"text":2147,"type":125},"Empezar con Spendesk",{"type":116,"content":2149},[2150],{"type":119},{"type":116,"content":2152},[2153],{"type":119,"content":2154},[2155],{"text":2156,"type":125},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2162,2299,2428,2568],{"name":2163,"created_at":2164,"published_at":2165,"updated_at":2166,"id":2167,"uuid":2168,"content":2169,"slug":2287,"full_slug":2288,"sort_by_date":25,"position":2289,"tag_list":2290,"is_startpage":28,"parent_id":585,"meta_data":25,"group_id":2291,"first_published_at":2292,"release_id":25,"lang":32,"path":25,"alternates":2293,"default_full_slug":2294,"translated_slugs":2295},"Conciliación bancaria: qué es, ejemplo práctico y cómo automatizarla","2026-06-10T13:00:12.731Z","2026-07-15T12:52:27.550Z","2026-07-15T12:52:27.586Z",185986305006565,"347a8315-f054-4486-8046-cc11efd3e939",{"_uid":2170,"title":2163,"topics":2171,"noIndex":28,"category":2180,"language":2189,"component":473,"heroMedia":2190,"metaTitle":2191,"publishedAt":2192,"readingTime":2193,"redirectUrl":99,"listingImage":2194,"metaDescription":2201,"bottomArticleCta":2202,"componentsAfterTheArticle":2203},"ed957ed1-9e9c-4c59-a361-3e92ed0d1e57",[2172],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2173,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2174,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2175,"default_full_slug":163,"translated_slugs":2176,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2177,2178,2179],{"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":461,"created_at":462,"published_at":16,"updated_at":463,"id":464,"uuid":465,"content":2181,"slug":473,"full_slug":474,"sort_by_date":25,"position":52,"tag_list":2183,"is_startpage":28,"parent_id":476,"meta_data":25,"group_id":477,"first_published_at":478,"release_id":25,"lang":32,"path":25,"alternates":2184,"default_full_slug":480,"translated_slugs":2185,"_stopResolving":41},{"_uid":467,"icon":2182,"name":461,"component":472},{"id":469,"alt":470,"name":99,"focus":99,"title":99,"filename":471,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2186,2187,2188],{"path":480,"name":25,"lang":37,"published":25},{"path":480,"name":25,"lang":39,"published":25},{"path":480,"name":25,"lang":32,"published":25},[32],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom","2026-06-28 00:00","11",[2195],{"_uid":2196,"asset":2197,"caption":99,"component":498},"5bce087f-87f5-4cc0-9273-66bf36c1e1cf",{"id":2198,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2199,"copyright":99,"fieldtype":104,"meta_data":2200,"is_external_url":28},198314222330707,"https://a.storyblok.com/f/146026/2752x1536/e59e6d4a0f/spendesk_blog_cover_conciliacion_bancaria.jpg",{},"Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[2204],{"_uid":2205,"items":2206,"heading":2265,"component":580},"f710724d-656b-444b-b6f5-476932443755",[2207,2217,2235,2245,2255],{"_uid":2208,"title":2209,"component":508,"description":2210},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?",{"type":116,"content":2211},[2212],{"type":119,"attrs":2213,"content":2214},{"textAlign":25},[2215],{"text":2216,"type":125},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":2218,"title":2219,"component":508,"description":2220},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":116,"content":2221},[2222],{"type":119,"attrs":2223,"content":2224},{"textAlign":25},[2225,2227,2233],{"text":2226,"type":125},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":2228,"type":125,"marks":2229},"objetivos financieros",[2230],{"type":192,"attrs":2231},{"href":2232,"uuid":25,"anchor":25,"target":195,"linktype":107},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":2234,"type":125}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":2236,"title":2237,"component":508,"description":2238},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":116,"content":2239},[2240],{"type":119,"attrs":2241,"content":2242},{"textAlign":25},[2243],{"text":2244,"type":125},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":2246,"title":2247,"component":508,"description":2248},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":116,"content":2249},[2250],{"type":119,"attrs":2251,"content":2252},{"textAlign":25},[2253],{"text":2254,"type":125},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":2256,"title":2257,"component":508,"description":2258},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":116,"content":2259},[2260],{"type":119,"attrs":2261,"content":2262},{"textAlign":25},[2263],{"text":2264,"type":125},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. Esto mejora la trazabilidad de cada factura y facilita la conciliación entre facturas emitidas y pagos recibidos. ---",[2266],{"cta":2267,"_uid":2268,"title":2269,"eyebrow":2275,"subtitle":2280,"component":176,"textAlign":99,"flexibleSection":2285,"sectionSettings":2286,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"2fdaec23-ffc9-427f-b9a7-9dc3fbe6ec59",{"type":116,"content":2270},[2271],{"type":176,"attrs":2272,"content":2273},{"level":564,"textAlign":25},[2274],{"text":567,"type":125},{"type":116,"content":2276},[2277],{"type":119,"attrs":2278,"content":2279},{"textAlign":25},[],{"type":116,"content":2281},[2282],{"type":119,"attrs":2283,"content":2284},{"textAlign":25},[],[],[],"conciliacion-bancaria-como-automatizarla","es/blog/conciliacion-bancaria-como-automatizarla",-1930,[],"362ec0a2-5112-4042-bb34-9f2f862230e3","2026-06-10T13:00:52.167Z",[],"blog/conciliacion-bancaria-como-automatizarla",[2296,2297,2298],{"path":2294,"name":25,"lang":37,"published":25},{"path":2294,"name":25,"lang":39,"published":25},{"path":2294,"name":25,"lang":32,"published":25},{"name":2300,"created_at":2301,"published_at":2302,"updated_at":2303,"id":2304,"uuid":2305,"content":2306,"slug":2416,"full_slug":2417,"sort_by_date":25,"position":2418,"tag_list":2419,"is_startpage":28,"parent_id":585,"meta_data":25,"group_id":2420,"first_published_at":2421,"release_id":25,"lang":32,"path":25,"alternates":2422,"default_full_slug":2423,"translated_slugs":2424},"Cómo auditar tu software de facturación para cumplir con VeriFactu antes de 2027","2026-07-01T14:14:31.744Z","2026-07-15T12:54:19.748Z","2026-07-15T12:54:19.813Z",193436351513498,"5b237131-616b-4414-b073-fb957e517c08",{"_uid":2307,"title":2300,"topics":2308,"noIndex":28,"category":2317,"language":2326,"component":473,"heroMedia":2327,"metaTitle":2328,"publishedAt":2329,"readingTime":2330,"redirectUrl":99,"listingImage":2331,"metaDescription":2338,"bottomArticleCta":2339,"componentsAfterTheArticle":2340},"c8db9850-4744-41b7-b1cb-e535e5c335a5",[2309],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2310,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2311,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2312,"default_full_slug":163,"translated_slugs":2313,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2314,2315,2316],{"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":461,"created_at":462,"published_at":16,"updated_at":463,"id":464,"uuid":465,"content":2318,"slug":473,"full_slug":474,"sort_by_date":25,"position":52,"tag_list":2320,"is_startpage":28,"parent_id":476,"meta_data":25,"group_id":477,"first_published_at":478,"release_id":25,"lang":32,"path":25,"alternates":2321,"default_full_slug":480,"translated_slugs":2322,"_stopResolving":41},{"_uid":467,"icon":2319,"name":461,"component":472},{"id":469,"alt":470,"name":99,"focus":99,"title":99,"filename":471,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2323,2324,2325],{"path":480,"name":25,"lang":37,"published":25},{"path":480,"name":25,"lang":39,"published":25},{"path":480,"name":25,"lang":32,"published":25},[32],[],"Cómo auditar tu software de facturación para cumplir con Ver","2026-07-02 00:00","10",[2332],{"_uid":2333,"asset":2334,"caption":99,"component":498},"6e65eddd-7817-4ea8-b495-b62b441b7180",{"id":2335,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2336,"copyright":99,"fieldtype":104,"meta_data":2337,"is_external_url":28},198316418782544,"https://a.storyblok.com/f/146026/2752x1536/2644346e19/spendesk_blog_cover_como_auditar_tu_software_verifactu_v2.jpg",{},"Tu software de facturación lleva meses bajo una nueva lupa. Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[2341],{"_uid":2342,"items":2343,"heading":2394,"component":580},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[2344,2354,2364,2374,2384],{"_uid":2345,"title":2346,"component":508,"description":2347},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":116,"content":2348},[2349],{"type":119,"attrs":2350,"content":2351},{"textAlign":25},[2352],{"text":2353,"type":125},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":2355,"title":2356,"component":508,"description":2357},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":116,"content":2358},[2359],{"type":119,"attrs":2360,"content":2361},{"textAlign":25},[2362],{"text":2363,"type":125},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":2365,"title":2366,"component":508,"description":2367},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":116,"content":2368},[2369],{"type":119,"attrs":2370,"content":2371},{"textAlign":25},[2372],{"text":2373,"type":125},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":2375,"title":2376,"component":508,"description":2377},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":116,"content":2378},[2379],{"type":119,"attrs":2380,"content":2381},{"textAlign":25},[2382],{"text":2383,"type":125},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":2385,"title":2386,"component":508,"description":2387},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":116,"content":2388},[2389],{"type":119,"attrs":2390,"content":2391},{"textAlign":25},[2392],{"text":2393,"type":125},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[2395],{"cta":2396,"_uid":2397,"title":2398,"eyebrow":2404,"subtitle":2409,"component":176,"textAlign":99,"flexibleSection":2414,"sectionSettings":2415,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":116,"content":2399},[2400],{"type":176,"attrs":2401,"content":2402},{"level":564,"textAlign":25},[2403],{"text":567,"type":125},{"type":116,"content":2405},[2406],{"type":119,"attrs":2407,"content":2408},{"textAlign":25},[],{"type":116,"content":2410},[2411],{"type":119,"attrs":2412,"content":2413},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2160,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[2425,2426,2427],{"path":2423,"name":25,"lang":37,"published":25},{"path":2423,"name":25,"lang":39,"published":25},{"path":2423,"name":25,"lang":32,"published":25},{"name":2429,"created_at":2430,"published_at":2431,"updated_at":2432,"id":2433,"uuid":2434,"content":2435,"slug":2556,"full_slug":2557,"sort_by_date":25,"position":2558,"tag_list":2559,"is_startpage":28,"parent_id":585,"meta_data":25,"group_id":2560,"first_published_at":2561,"release_id":25,"lang":32,"path":25,"alternates":2562,"default_full_slug":2563,"translated_slugs":2564},"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":2436,"title":2429,"topics":2437,"noIndex":28,"category":2446,"language":2455,"component":473,"heroMedia":2456,"metaTitle":2457,"publishedAt":2458,"readingTime":2459,"redirectUrl":99,"listingImage":2460,"metaDescription":2468,"bottomArticleCta":2469,"componentsAfterTheArticle":2470},"4d9a1a9c-f0f5-4775-ae79-8b73f718b041",[2438],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2439,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2440,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2441,"default_full_slug":163,"translated_slugs":2442,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2443,2444,2445],{"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":461,"created_at":462,"published_at":16,"updated_at":463,"id":464,"uuid":465,"content":2447,"slug":473,"full_slug":474,"sort_by_date":25,"position":52,"tag_list":2449,"is_startpage":28,"parent_id":476,"meta_data":25,"group_id":477,"first_published_at":478,"release_id":25,"lang":32,"path":25,"alternates":2450,"default_full_slug":480,"translated_slugs":2451,"_stopResolving":41},{"_uid":467,"icon":2448,"name":461,"component":472},{"id":469,"alt":470,"name":99,"focus":99,"title":99,"filename":471,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2452,2453,2454],{"path":480,"name":25,"lang":37,"published":25},{"path":480,"name":25,"lang":39,"published":25},{"path":480,"name":25,"lang":32,"published":25},[32],[],"Conciliación de facturas: cómo evitar errores y agilizar las","2026-09-11 00:00","15",[2461],{"_uid":2462,"link":2463,"asset":2464,"caption":99,"component":498},"7e312a70-4f3a-4e88-b050-cd857b48328a",{"id":99,"url":99,"linktype":624,"fieldtype":108,"cached_url":1645,"prep":41},{"id":2465,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2466,"copyright":99,"fieldtype":104,"meta_data":2467,"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.",[],[2471],{"_uid":2472,"items":2473,"heading":2534,"component":580},"05d3fd1f-9939-4b87-b169-e126811177e6",[2474,2484,2494,2504,2514,2524],{"_uid":2475,"title":2476,"component":508,"description":2477},"3797035d-947e-4241-a972-750ae5ade4b6","¿Qué causa los descuadres en las facturas?",{"type":116,"content":2478},[2479],{"type":119,"attrs":2480,"content":2481},{"textAlign":25},[2482],{"text":2483,"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":2485,"title":2486,"component":508,"description":2487},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":116,"content":2488},[2489],{"type":119,"attrs":2490,"content":2491},{"textAlign":25},[2492],{"text":2493,"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":2495,"title":2496,"component":508,"description":2497},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":116,"content":2498},[2499],{"type":119,"attrs":2500,"content":2501},{"textAlign":25},[2502],{"text":2503,"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":2505,"title":2506,"component":508,"description":2507},"e58f7c77-176f-41fa-bb44-ef9423fa8b57","¿Cómo puede mejorar una empresa el procesamiento de facturas?",{"type":116,"content":2508},[2509],{"type":119,"attrs":2510,"content":2511},{"textAlign":25},[2512],{"text":2513,"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":2515,"title":2516,"component":508,"description":2517},"8fad0725-50d7-49cb-b1f2-3c664e9fae01","¿En qué se diferencia la conciliación de facturas de la conciliación bancaria?",{"type":116,"content":2518},[2519],{"type":119,"attrs":2520,"content":2521},{"textAlign":25},[2522],{"text":2523,"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":2525,"title":2526,"component":508,"description":2527},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":116,"content":2528},[2529],{"type":119,"attrs":2530,"content":2531},{"textAlign":25},[2532],{"text":2533,"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.",[2535],{"cta":2536,"_uid":2537,"title":2538,"eyebrow":2544,"subtitle":2549,"component":176,"textAlign":99,"flexibleSection":2554,"sectionSettings":2555,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"bc20a4a6-1ac6-49d9-a31d-740c9b91c095",{"type":116,"content":2539},[2540],{"type":176,"attrs":2541,"content":2542},{"level":564,"textAlign":25},[2543],{"text":567,"type":125},{"type":116,"content":2545},[2546],{"type":119,"attrs":2547,"content":2548},{"textAlign":25},[],{"type":116,"content":2550},[2551],{"type":119,"attrs":2552,"content":2553},{"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",[2565,2566,2567],{"path":2563,"name":25,"lang":37,"published":25},{"path":2563,"name":25,"lang":39,"published":25},{"path":2563,"name":25,"lang":32,"published":25},{"name":2569,"created_at":2570,"published_at":2571,"updated_at":2572,"id":2573,"uuid":2574,"content":2575,"slug":2705,"full_slug":2706,"sort_by_date":25,"position":2707,"tag_list":2708,"is_startpage":28,"parent_id":585,"meta_data":25,"group_id":2709,"first_published_at":2710,"release_id":25,"lang":32,"path":25,"alternates":2711,"default_full_slug":2712,"translated_slugs":2713},"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":2576,"title":2569,"topics":2577,"noIndex":28,"category":2586,"language":2595,"component":473,"heroMedia":2596,"metaTitle":2597,"publishedAt":2598,"readingTime":2459,"redirectUrl":99,"listingImage":2599,"metaDescription":2607,"bottomArticleCta":2608,"componentsAfterTheArticle":2609},"7c8baf82-c72c-4bd0-978c-914b4de81327",[2578],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2579,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2580,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2581,"default_full_slug":163,"translated_slugs":2582,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2583,2584,2585],{"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":461,"created_at":462,"published_at":16,"updated_at":463,"id":464,"uuid":465,"content":2587,"slug":473,"full_slug":474,"sort_by_date":25,"position":52,"tag_list":2589,"is_startpage":28,"parent_id":476,"meta_data":25,"group_id":477,"first_published_at":478,"release_id":25,"lang":32,"path":25,"alternates":2590,"default_full_slug":480,"translated_slugs":2591,"_stopResolving":41},{"_uid":467,"icon":2588,"name":461,"component":472},{"id":469,"alt":470,"name":99,"focus":99,"title":99,"filename":471,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2592,2593,2594],{"path":480,"name":25,"lang":37,"published":25},{"path":480,"name":25,"lang":39,"published":25},{"path":480,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","2026-08-26 00:00",[2600],{"_uid":2601,"asset":2602,"caption":99,"component":498},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":2603,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2604,"copyright":99,"fieldtype":104,"meta_data":2605,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":2606},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[2610],{"_uid":2611,"items":2612,"heading":2683,"component":580},"def80281-c114-48d8-922b-c6452f4b32e1",[2613,2623,2633,2643,2653,2663,2673],{"_uid":2614,"title":2615,"component":508,"description":2616},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":116,"content":2617},[2618],{"type":119,"attrs":2619,"content":2620},{"textAlign":25},[2621],{"text":2622,"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":2624,"title":2625,"component":508,"description":2626},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":116,"content":2627},[2628],{"type":119,"attrs":2629,"content":2630},{"textAlign":25},[2631],{"text":2632,"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":2634,"title":2635,"component":508,"description":2636},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":116,"content":2637},[2638],{"type":119,"attrs":2639,"content":2640},{"textAlign":25},[2641],{"text":2642,"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":2644,"title":2645,"component":508,"description":2646},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":116,"content":2647},[2648],{"type":119,"attrs":2649,"content":2650},{"textAlign":25},[2651],{"text":2652,"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":2654,"title":2655,"component":508,"description":2656},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":116,"content":2657},[2658],{"type":119,"attrs":2659,"content":2660},{"textAlign":25},[2661],{"text":2662,"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":2664,"title":2665,"component":508,"description":2666},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":116,"content":2667},[2668],{"type":119,"attrs":2669,"content":2670},{"textAlign":25},[2671],{"text":2672,"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":2674,"title":2675,"component":508,"description":2676},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":116,"content":2677},[2678],{"type":119,"attrs":2679,"content":2680},{"textAlign":25},[2681],{"text":2682,"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.",[2684],{"cta":2685,"_uid":2686,"title":2687,"eyebrow":2693,"subtitle":2698,"component":176,"textAlign":99,"flexibleSection":2703,"sectionSettings":2704,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":116,"content":2688},[2689],{"type":176,"attrs":2690,"content":2691},{"level":564,"textAlign":25},[2692],{"text":567,"type":125},{"type":116,"content":2694},[2695],{"type":119,"attrs":2696,"content":2697},{"textAlign":25},[],{"type":116,"content":2699},[2700],{"type":119,"attrs":2701,"content":2702},{"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",[2714,2715,2716],{"path":2712,"name":25,"lang":37,"published":25},{"path":2712,"name":25,"lang":39,"published":25},{"path":2712,"name":25,"lang":32,"published":25},1793991676599]