[{"data":1,"prerenderedAt":4687},["ShallowReactive",2],{"es-blog/tarjetas-corporativas":3,"es-global-content":1115,"es-article-global-content":2705,"es-blog-article-more-articles-undefined":2957,"es-blog-article-more-articles-318928494":4682},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1102,"full_slug":1103,"sort_by_date":46,"position":1104,"tag_list":1105,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":1107,"first_published_at":1108,"release_id":46,"lang":59,"path":46,"alternates":1109,"default_full_slug":1110,"translated_slugs":1111},"Cómo elegir las tarjetas corporativas perfectas para tus empleados","2023-06-05T17:34:06.134Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:57.096Z",318928494,"ff062929-9805-4397-8af2-b64ecd025032",{"_uid":11,"roles":12,"title":4,"author":13,"topics":69,"content":70,"noIndex":29,"category":989,"language":1015,"component":1002,"heroMedia":1016,"sidebarCta":1024,"publishedAt":1025,"readingTime":1026,"redirectUrl":23,"listingImage":1027,"metaDescription":1033,"componentsAfterTheArticle":1034},"382b18cb-152a-4289-ac59-89125a9b56f5",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":52,"full_slug":53,"sort_by_date":46,"position":54,"tag_list":55,"is_startpage":29,"parent_id":56,"meta_data":46,"group_id":57,"first_published_at":58,"release_id":46,"lang":59,"path":46,"alternates":60,"default_full_slug":61,"translated_slugs":62,"_stopResolving":68},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":20,"name":14,"links":21,"picture":36,"lastName":38,"component":39,"firstName":14,"description":40},"89813b57-3ec3-4169-890b-393e41c6d7ea",[22],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":37,"name":23,"focus":23,"title":23,"filename":37,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":41,"content":42},"doc",[43],{"type":44,"attrs":45,"content":48},"paragraph",{"textAlign":46,"key":47},null,"p-0",[49],{"text":50,"type":51},"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","es",[],"blog/author/spendesk",[63,65,67],{"path":61,"name":46,"lang":64,"published":46},"fr",{"path":61,"name":46,"lang":66,"published":46},"de",{"path":61,"name":46,"lang":59,"published":46},true,[],{"type":41,"content":71},[72,81,90,97,104,122,133,151,169,176,183,192,222,229,267,280,298,316,325,332,342,359,399,408,415,438,447,454,475,484,501,550,568,577,584,601,618,627,645,663,680,689,707,724,737,766,773,791,798,805,812,821,838,856,903,921,928,937,954,982],{"type":44,"content":73},[74],{"text":75,"type":51,"marks":76},"Un gran número de empresas decide usar tarjetas corporativas para gestionar sus gastos. Lo hacen para que sus empleados puedan pagar los gastos relacionados con su trabajo, como billetes de tren o avión, tickets de restaurantes, noches de hotel, material de oficina, etc. ",[77],{"type":78,"attrs":79},"textStyle",{"color":80},"rgb(0, 0, 0)",{"type":44,"content":82},[83],{"text":84,"type":51,"marks":85},"Pero ¿de verdad las tarjetas de crédito de la empresa son la mejor forma de pago para el personal?",[86,88],{"type":87},"bold",{"type":78,"attrs":89},{"color":80},{"type":44,"content":91},[92],{"text":93,"type":51,"marks":94},"Para los empleados podría ser así: es muy fácil y cómodo pagar con ellas. ",[95],{"type":78,"attrs":96},{"color":80},{"type":44,"content":98},[99],{"text":100,"type":51,"marks":101},"Sin embargo, las tarjetas de empresa pueden generar ciertos problemas, dan más trabajo para gestionarlas e incluso sus usuarios podrían ser víctimas de fraude.",[102],{"type":78,"attrs":103},{"color":80},{"type":44,"content":105},[106,111,117],{"text":107,"type":51,"marks":108},"En este artículo veremos los pros y los contras del uso de tarjetas corporativas. Y al final te presentaremos ",[109],{"type":78,"attrs":110},{"color":80},{"text":112,"type":51,"marks":113},"otra opción que podría ser más adecuada para tu empresa",[114,115],{"type":87},{"type":78,"attrs":116},{"color":80},{"text":118,"type":51,"marks":119},". Tal vez no hayas oído hablar de ella. ",[120],{"type":78,"attrs":121},{"color":80},{"type":123,"attrs":124,"content":126},"heading",{"level":125},2,[127],{"text":128,"type":51,"marks":129},"¿Qué son las tarjetas corporativas? ",[130,131],{"type":87},{"type":78,"attrs":132},{"color":80},{"type":44,"content":134},[135,140,146],{"text":136,"type":51,"marks":137},"Lo cierto es que ",[138],{"type":78,"attrs":139},{"color":80},{"text":141,"type":51,"marks":142},"las tarjetas corporativas no son más que tarjetas de crédito",[143,144],{"type":87},{"type":78,"attrs":145},{"color":80},{"text":147,"type":51,"marks":148}," o débito, simplemente que se utilizan para los gastos de un negocio y está vinculada a la cuenta de una empresa.",[149],{"type":78,"attrs":150},{"color":80},{"type":44,"content":152},[153,158,164],{"text":154,"type":51,"marks":155},"Los titulares de cada tarjeta pueden usarla para pagos online o en tiendas, normalmente con un pin. La única diferencia con las tarjetas personales es que para las corporativas ",[156],{"type":78,"attrs":157},{"color":80},{"text":159,"type":51,"marks":160},"se suele solicitar factura",[161,162],{"type":87},{"type":78,"attrs":163},{"color":80},{"text":165,"type":51,"marks":166}," por motivos fiscales.",[167],{"type":78,"attrs":168},{"color":80},{"type":44,"content":170},[171],{"text":172,"type":51,"marks":173},"En realidad, las tarjetas corporativas surgieron para ayudar a los empleados que tienen muchos gastos empresariales. Así, en vez de presentar interminables informes de gastos para recibir un reembolso, se les concede este tipo de tarjeta con dinero de la empresa.",[174],{"type":78,"attrs":175},{"color":80},{"type":44,"content":177},[178],{"text":179,"type":51,"marks":180},"Pero, como veremos enseguida, esto puede ser tanto bueno como malo para las empresas.",[181],{"type":78,"attrs":182},{"color":80},{"type":123,"attrs":184,"content":185},{"level":125},[186],{"text":187,"type":51,"marks":188},"¿Cómo funcionan las tarjetas corporativas? ",[189,190],{"type":87},{"type":78,"attrs":191},{"color":80},{"type":44,"content":193},[194,199,217],{"text":195,"type":51,"marks":196},"En principio, utilizar tarjetas de crédito a nombre de la empresa parece una buena solución para los directores financieros y demás directivos a la hora de ",[197],{"type":78,"attrs":198},{"color":80},{"text":200,"type":51,"marks":201},"gestionar los gastos",[202,215],{"type":203,"attrs":204},"link",{"href":205,"uuid":206,"anchor":46,"target":207,"linktype":208,"story":209},"/blog/gestion-de-gastos","42c0dbd0-9303-4e28-b598-a4f52cd70865","_self","story",{"name":210,"id":211,"uuid":206,"slug":212,"url":213,"full_slug":214,"_stopResolving":68}," Todo lo que debes saber para gestionar mejor los gastos de empresa",290893276,"gestion-de-gastos","blog/gestion-de-gastos","es/blog/gestion-de-gastos",{"type":78,"attrs":216},{"color":80},{"text":218,"type":51,"marks":219},". ",[220],{"type":78,"attrs":221},{"color":80},{"type":44,"content":223},[224],{"text":225,"type":51,"marks":226},"Para los empleados, es algo simple de usar, pues están acostumbrados a sus tarjetas personales. Y otra ventaja es que, al ser tarjetas de crédito, los gastos no se cargan en el momento.",[227],{"type":78,"attrs":228},{"color":80},{"type":44,"content":230},[231,236,251,256,262],{"text":232,"type":51,"marks":233},"El titular de la tarjeta, el director financiero de la empresa y el encargado de ",[234],{"type":78,"attrs":235},{"color":80},{"text":237,"type":51,"marks":238},"los presupuestos",[239,249],{"type":203,"attrs":240},{"href":241,"uuid":242,"anchor":46,"target":207,"linktype":208,"story":243},"/blog/control-presupuestario","af5c3d0e-2b9f-4619-88c0-53e7f79fee43",{"name":244,"id":245,"uuid":242,"slug":246,"url":247,"full_slug":248,"_stopResolving":68},"Control presupuestario: 5 consejos para una gestión eficaz",318895018,"control-presupuestario","blog/control-presupuestario","es/blog/control-presupuestario",{"type":78,"attrs":250},{"color":80},{"text":252,"type":51,"marks":253}," pueden acceder a un extracto mensual de los gastos de la tarjeta. De esta manera, la empresa puede ",[254],{"type":78,"attrs":255},{"color":80},{"text":257,"type":51,"marks":258},"controlar quién gasta, cuánto gasta y en qué, pero solo posteriormente",[259,260],{"type":87},{"type":78,"attrs":261},{"color":80},{"text":263,"type":51,"marks":264},".",[265],{"type":78,"attrs":266},{"color":80},{"type":44,"content":268},[269,275],{"text":270,"type":51,"marks":271},"Los pagos con tarjeta también pueden limitarse a determinados proveedores",[272,273],{"type":87},{"type":78,"attrs":274},{"color":80},{"text":276,"type":51,"marks":277}," mediante un acuerdo entre el banco y la empresa. Esta puede ser una buena forma de controlar los gastos.",[278],{"type":78,"attrs":279},{"color":80},{"type":44,"content":281},[282,287,293],{"text":283,"type":51,"marks":284},"Una última ventaja es que los bancos ofrecen una ",[285],{"type":78,"attrs":286},{"color":80},{"text":288,"type":51,"marks":289},"serie de servicios adicionales",[290,291],{"type":87},{"type":78,"attrs":292},{"color":80},{"text":294,"type":51,"marks":295},", como seguros de viaje, cobertura para el alquiler de vehículos, apoyo jurídico, asistencia médica o incluso reembolsos inmediatos en caso de transacciones fraudulentas.",[296],{"type":78,"attrs":297},{"color":80},{"type":44,"content":299},[300,305,311],{"text":301,"type":51,"marks":302},"Todas estas características hacen que las tarjetas corporativas parezcan una buena opción a simple vista. Sin embargo, ",[303],{"type":78,"attrs":304},{"color":80},{"text":306,"type":51,"marks":307},"no son el medio de pago más beneficioso o ágil que existe en la actualidad",[308,309],{"type":87},{"type":78,"attrs":310},{"color":80},{"text":312,"type":51,"marks":313},". Aunque los bancos ofrecen una serie de funciones útiles, las tarjetas de crédito presentan unos pasos de verificación limitados. Además, controlar el gasto de la empresa puede convertirse en todo un reto.",[314],{"type":78,"attrs":315},{"color":80},{"type":123,"attrs":317,"content":318},{"level":125},[319],{"text":320,"type":51,"marks":321},"Los límites de las tarjetas corporativas para empleados ",[322,323],{"type":87},{"type":78,"attrs":324},{"color":80},{"type":44,"content":326},[327],{"text":328,"type":51,"marks":329},"Como ya te hemos comentado, existen algunas desventajas importantes al apostar por las tarjetas corporativas como el principal método de pago. Veamos algunos ejemplos.",[330],{"type":78,"attrs":331},{"color":80},{"type":123,"attrs":333,"content":335},{"level":334},3,[336],{"text":337,"type":51,"marks":338},"Pocas tarjetas disponibles ",[339,340],{"type":87},{"type":78,"attrs":341},{"color":80},{"type":44,"content":343},[344,349,355],{"text":345,"type":51,"marks":346},"El problema más evidente es que no todos los empleados tienen una tarjeta corporativa. Y es que normalmente solo unos pocos tienen acceso a una. Puede que esto ",[347],{"type":78,"attrs":348},{"color":80},{"text":350,"type":51,"marks":351},"genere un mal ambiente entre los trabajadores y que quienes no tienen una tarjeta sientan que no son dignos de confianza",[352,353],{"type":87},{"type":78,"attrs":354},{"color":80},{"text":218,"type":51,"marks":356},[357],{"type":78,"attrs":358},{"color":80},{"type":44,"content":360},[361,366,372,388,394],{"text":362,"type":51,"marks":363},"A veces el personal tiene que ",[364],{"type":78,"attrs":365},{"color":80},{"text":367,"type":51,"marks":368},"gastar su propio dinero y ",[369,370],{"type":87},{"type":78,"attrs":371},{"color":80},{"text":373,"type":51,"marks":374},"presentar facturas",[375,385,386],{"type":203,"attrs":376},{"href":377,"uuid":378,"anchor":46,"target":207,"linktype":208,"story":379},"/blog/facturas-proveedores","875471c4-66aa-431b-8ad6-3a683c60ff9d",{"name":380,"id":381,"uuid":378,"slug":382,"url":383,"full_slug":384,"_stopResolving":68},"Proceso de tramitación de facturas de proveedores: ¡hazlo más eficaz!",300720534,"facturas-proveedores","blog/facturas-proveedores","es/blog/facturas-proveedores",{"type":87},{"type":78,"attrs":387},{"color":80},{"text":389,"type":51,"marks":390}," e informes de gastos",[391,392],{"type":87},{"type":78,"attrs":393},{"color":80},{"text":395,"type":51,"marks":396}," para recibir un reembolso (en Spendesk consideramos que esto es inaceptable). En otras ocasiones, la otra opción que tienen es buscar una tarjeta disponible, que nadie use en ese momento. Como vemos, un solo pago puede implicar idas y venidas, algo que molesta a ambas partes y ralentiza la empresa.",[397],{"type":78,"attrs":398},{"color":80},{"type":123,"attrs":400,"content":401},{"level":334},[402],{"text":403,"type":51,"marks":404},"Falta de visibilidad en los gastos",[405,406],{"type":87},{"type":78,"attrs":407},{"color":80},{"type":44,"content":409},[410],{"text":411,"type":51,"marks":412},"Los equipos financieros necesitan saber adónde va el dinero de la empresa. Y, además de un extracto mensual, no disponen de una forma sencilla de supervisar el uso de las tarjetas de crédito.",[413],{"type":78,"attrs":414},{"color":80},{"type":44,"content":416},[417,422,433],{"text":418,"type":51,"marks":419},"Lo ideal sería poder ",[420],{"type":78,"attrs":421},{"color":80},{"text":423,"type":51,"marks":424},"supervisar en tiempo real los gastos",[425,428,431],{"type":203,"attrs":426},{"href":427,"uuid":46,"anchor":46,"target":207,"linktype":32},"https://www.spendesk.com/es",{"type":78,"attrs":429},{"color":430},"rgb(17, 85, 204)",{"type":432},"underline",{"text":434,"type":51,"marks":435}," de la empresa. De este modo, si ocurre algo inesperado, sospechoso o preocupante, se puede reaccionar inmediatamente. Pero como las tarjetas de crédito no fueron diseñadas para las empresas, esto no es tan fácil. Lo que significa que…",[436],{"type":78,"attrs":437},{"color":80},{"type":123,"attrs":439,"content":440},{"level":334},[441],{"text":442,"type":51,"marks":443},"No hay un control real de los gastos",[444,445],{"type":87},{"type":78,"attrs":446},{"color":80},{"type":44,"content":448},[449],{"text":450,"type":51,"marks":451},"Poder ver a tiempo real las transacciones de las tarjetas corporativas es un elemento muy importante para controlar eficazmente los gastos. El departamento de contabilidad también debe ser capaz de aumentar y reducir los límites de gasto cuando sea necesario, analizar los tipos de costes que surgen y crear informes rápidos para compartirlos con los directivos.",[452],{"type":78,"attrs":453},{"color":80},{"type":44,"content":455},[456,461,470],{"text":457,"type":51,"marks":458},"Pero ",[459],{"type":78,"attrs":460},{"color":80},{"text":462,"type":51,"marks":463},"controlar los gastos",[464,468],{"type":203,"attrs":465},{"href":466,"uuid":467,"anchor":46,"target":207,"linktype":208},"/blog/reducir-costes-empresa","d8159b75-d2db-4fbd-b34b-7666d5bee488",{"type":78,"attrs":469},{"color":80},{"text":471,"type":51,"marks":472}," de los empleados no tiene por qué convertirse en un conflicto. Se trata de dar a los empleados sistemas de pago innovadores que les permita trabajar adecuadamente, pero manteniendo el control de las finanzas (ahora nos centraremos más en esto).",[473],{"type":78,"attrs":474},{"color":80},{"type":123,"attrs":476,"content":477},{"level":334},[478],{"text":479,"type":51,"marks":480},"Demasiado papeleo ",[481,482],{"type":87},{"type":78,"attrs":483},{"color":80},{"type":44,"content":485},[486,491,497],{"text":487,"type":51,"marks":488},"Cada tarjeta corporativa conlleva tanto papeleo que ",[489],{"type":78,"attrs":490},{"color":80},{"text":492,"type":51,"marks":493},"llevar un registro de los recibos puede convertirse en una pesadilla",[494,495],{"type":87},{"type":78,"attrs":496},{"color":80},{"text":263,"type":51,"marks":498},[499],{"type":78,"attrs":500},{"color":80},{"type":44,"content":502},[503,508,514,519,525,530,545],{"text":504,"type":51,"marks":505},"No solo es ",[506],{"type":78,"attrs":507},{"color":80},{"text":509,"type":51,"marks":510},"tedioso para el empleado",[511,512],{"type":87},{"type":78,"attrs":513},{"color":80},{"text":515,"type":51,"marks":516}," que tiene que convertirse en contable cada mes, sino ",[517],{"type":78,"attrs":518},{"color":80},{"text":520,"type":51,"marks":521},"también para los del equipo financiero",[522,523],{"type":87},{"type":78,"attrs":524},{"color":80},{"text":526,"type":51,"marks":527},", que tienen que ir de un lado a otro ",[528],{"type":78,"attrs":529},{"color":80},{"text":531,"type":51,"marks":532},"recogiendo recibos",[533,543],{"type":203,"attrs":534},{"href":535,"uuid":536,"anchor":46,"target":207,"linktype":208,"story":537},"/blog/gestion-de-recibos","03e9a2cb-b18c-4d3c-a308-b65c4e3026e5",{"name":538,"id":539,"uuid":536,"slug":540,"url":541,"full_slug":542,"_stopResolving":68},"Domina la gestión de recibos de tu empresa",384227838,"gestion-de-recibos","blog/gestion-de-recibos","es/blog/gestion-de-recibos",{"type":78,"attrs":544},{"color":80},{"text":546,"type":51,"marks":547}," y justificantes. Y eso si los empleados lo tienen a mano.",[548],{"type":78,"attrs":549},{"color":80},{"type":44,"content":551},[552,557,563],{"text":553,"type":51,"marks":554},"Es verdad que existen herramientas para liberarte de algunas de estas molestias. Pero el resultado sigue siendo que el departamento financiero y la dirección ",[555],{"type":78,"attrs":556},{"color":80},{"text":558,"type":51,"marks":559},"pierden tiempo averiguando quién ha gastado cada mes",[560,561],{"type":87},{"type":78,"attrs":562},{"color":80},{"text":564,"type":51,"marks":565},", comprobando que las compras están autorizadas y haciendo un seguimiento al resto de la información que necesitan. ",[566],{"type":78,"attrs":567},{"color":80},{"type":123,"attrs":569,"content":570},{"level":334},[571],{"text":572,"type":51,"marks":573},"Riesgo importante de fraude ",[574,575],{"type":87},{"type":78,"attrs":576},{"color":80},{"type":44,"content":578},[579],{"text":580,"type":51,"marks":581},"El fraude en tarjetas de crédito supone miles de millones de dólares y libras solo en el Reino Unido y Estados Unidos. La forma más común de estafa se conoce como pagos “sin tarjeta”, en el que los datos de la tarjeta han sido robados y utilizados de forma maliciosa.",[582],{"type":78,"attrs":583},{"color":80},{"type":44,"content":585},[586,591,597],{"text":587,"type":51,"marks":588},"Así que pedirles a los empleados que cuiden bien las tarjetas corporativas no es suficiente para evitar los robos. Y es que",[589],{"type":78,"attrs":590},{"color":80},{"text":592,"type":51,"marks":593}," los delincuentes ni siquiera necesitan la tarjeta física para llevarse los fondos de la empresa",[594,595],{"type":87},{"type":78,"attrs":596},{"color":80},{"text":263,"type":51,"marks":598},[599],{"type":78,"attrs":600},{"color":80},{"type":44,"content":602},[603,608,614],{"text":604,"type":51,"marks":605},"Las compras por internet son cada vez más habituales, es por eso que ",[606],{"type":78,"attrs":607},{"color":80},{"text":609,"type":51,"marks":610},"los datos de las tarjetas pueden acabar estando accesibles en la red",[611,612],{"type":87},{"type":78,"attrs":613},{"color":80},{"text":218,"type":51,"marks":615},[616],{"type":78,"attrs":617},{"color":80},{"type":123,"attrs":619,"content":620},{"level":334},[621],{"text":622,"type":51,"marks":623},"Procesos engorrosos ",[624,625],{"type":87},{"type":78,"attrs":626},{"color":80},{"type":44,"content":628},[629,634,640],{"text":630,"type":51,"marks":631},"Otro gran inconveniente son las plataformas web para gestionar las tarjetas corporativas. Suelen ser",[632],{"type":78,"attrs":633},{"color":80},{"text":635,"type":51,"marks":636}," engorrosas y difíciles de usar",[637,638],{"type":87},{"type":78,"attrs":639},{"color":80},{"text":641,"type":51,"marks":642},", y su integración con el software de contabilidad de tu empresa es limitada. En muchos casos, ciertos procesos, como variar los límites de las tarjetas, no pueden hacerse a través de internet.",[643],{"type":78,"attrs":644},{"color":80},{"type":44,"content":646},[647,652,658],{"text":648,"type":51,"marks":649},"Esto significa que alguien tiene que",[650],{"type":78,"attrs":651},{"color":80},{"text":653,"type":51,"marks":654}," llamar al banco cada vez que hay que aumentar o reducir un límite de gasto",[655,656],{"type":87},{"type":78,"attrs":657},{"color":80},{"text":659,"type":51,"marks":660},". Esto es poco práctico y lleva mucho tiempo, pues los bancos pueden tardar en responder y a veces no se puede tramitar las solicitudes al momento.",[661],{"type":78,"attrs":662},{"color":80},{"type":44,"content":664},[665,670,676],{"text":666,"type":51,"marks":667},"Y, para colmo, si recibes los extractos de las tarjetas corporativas en PDF no puedes exportar los pagos al programa de contabilidad. Esto dificulta el análisis de las cuentas y ",[668],{"type":78,"attrs":669},{"color":80},{"text":671,"type":51,"marks":672},"complica la gestión de los gastos empresariales",[673,674],{"type":87},{"type":78,"attrs":675},{"color":80},{"text":263,"type":51,"marks":677},[678],{"type":78,"attrs":679},{"color":80},{"type":123,"attrs":681,"content":682},{"level":125},[683],{"text":684,"type":51,"marks":685},"Una opción mucho mejor: las tarjetas de gastos corporativos para empleados ",[686,687],{"type":87},{"type":78,"attrs":688},{"color":80},{"type":44,"content":690},[691,696,702],{"text":692,"type":51,"marks":693},"Las tarjetas corporativas tienen algunas ventajas. Pero ",[694],{"type":78,"attrs":695},{"color":80},{"text":697,"type":51,"marks":698},"no son la mejor opción para empresas que quieren hacer las cosas de manera diferente, ni para pymes en rápido crecimiento",[699,700],{"type":87},{"type":78,"attrs":701},{"color":80},{"text":703,"type":51,"marks":704},". Este tipo de negocios busca herramientas que combinen flexibilidad, seguridad y automatización.",[705],{"type":78,"attrs":706},{"color":80},{"type":44,"content":708},[709,714,720],{"text":710,"type":51,"marks":711},"Por ejemplo, quieren herramientas como las",[712],{"type":78,"attrs":713},{"color":80},{"text":715,"type":51,"marks":716}," tarjetas de gastos prepagadas",[717,718],{"type":87},{"type":78,"attrs":719},{"color":80},{"text":218,"type":51,"marks":721},[722],{"type":78,"attrs":723},{"color":80},{"type":725,"attrs":726},"blok",{"id":727,"body":728},"40a78de5-4ccb-49bb-bb4a-d8f7d1edadef",[729],{"_uid":730,"type":23,"asset":731,"shadow":29,"caption":23,"overlay":735,"component":736},"i-4292ed0a-3aab-4659-bb64-30dc99ea716a",{"id":732,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":733,"copyright":23,"fieldtype":28,"meta_data":734,"is_external_url":29},9647452,"https://a.storyblok.com/f/146026/6000x3375/095ebcfeca/spendesk-company-card.jpeg",{},[],"image",{"type":44,"content":738},[739,744,750,755,761],{"text":740,"type":51,"marks":741},"Estas pueden ",[742],{"type":78,"attrs":743},{"color":80},{"text":745,"type":51,"marks":746},"emitirse a todos los empleados y departamentos que las necesiten",[747,748],{"type":87},{"type":78,"attrs":749},{"color":80},{"text":751,"type":51,"marks":752},". 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Por otro lado, si el departamento de marketing tiene un presupuesto para publicidad, podrías fijar un límite semanal o mensual según lo que necesiten.",[771],{"type":78,"attrs":772},{"color":80},{"type":44,"content":774},[775,780,786],{"text":776,"type":51,"marks":777},"Las tarjetas prepago también ofrecen aprobaciones inmediatas, es decir, los empleados pueden ",[778],{"type":78,"attrs":779},{"color":80},{"text":781,"type":51,"marks":782},"solicitar en el momento en que lo necesiten autorización para ciertos gastos",[783,784],{"type":87},{"type":78,"attrs":785},{"color":80},{"text":787,"type":51,"marks":788},". Esto les proporciona flexibilidad y comodidad, y a la vez, genera seguridad y tranquilidad para el equipo directivo.",[789],{"type":78,"attrs":790},{"color":80},{"type":44,"content":792},[793],{"text":794,"type":51,"marks":795},"Algunos pagos hasta pueden aprobarse previamente. Si sabes que un trabajador tiene un gasto periódico, puedes aprobarlo por adelantado y restringir el resto de los pagos.",[796],{"type":78,"attrs":797},{"color":80},{"type":44,"content":799},[800],{"text":801,"type":51,"marks":802},"Y si algún departamento necesita ampliar su límite, lo único que tienen que hacer es pedir autorización a su jefe o al departamento financiero. Esto ahorra tiempo de llamar al banco.",[803],{"type":78,"attrs":804},{"color":80},{"type":44,"content":806},[807],{"text":808,"type":51,"marks":809},"Quizás el beneficio más importante: todos los empleados pueden tener una tarjeta, pues no son arriesgadas como las tarjetas corporativas, que están vinculadas a una cuenta bancaria. Y es que utilizan fondos que la empresa recarga. No pueden gastar por encima del presupuesto, y los equipos financieros siempre saben exactamente lo que  se ha gastado en tiempo real.",[810],{"type":78,"attrs":811},{"color":80},{"type":123,"attrs":813,"content":814},{"level":125},[815],{"text":816,"type":51,"marks":817},"También están las tarjetas corporativas virtuales ",[818,819],{"type":87},{"type":78,"attrs":820},{"color":80},{"type":44,"content":822},[823,828,834],{"text":824,"type":51,"marks":825},"Si te pareció que las tarjetas prepago tienen muchos beneficios, todavía falta hablar de las tarjetas de crédito virtuales. Estas ",[826],{"type":78,"attrs":827},{"color":80},{"text":829,"type":51,"marks":830},"permiten al personal realizar pagos en línea sin necesidad de una tarjeta física",[831,832],{"type":87},{"type":78,"attrs":833},{"color":80},{"text":263,"type":51,"marks":835},[836],{"type":78,"attrs":837},{"color":80},{"type":44,"content":839},[840,845,851],{"text":841,"type":51,"marks":842},"Cuando un empleado debe realizar un pago por internet, genera un ",[843],{"type":78,"attrs":844},{"color":80},{"text":846,"type":51,"marks":847},"número de tarjeta único para él",[848,849],{"type":87},{"type":78,"attrs":850},{"color":80},{"text":852,"type":51,"marks":853},", sin tener que pasar una misma tarjeta por toda la oficina.",[854],{"type":78,"attrs":855},{"color":80},{"type":44,"content":857},[858,863,878,883,898],{"text":859,"type":51,"marks":860},"Con las ",[861],{"type":78,"attrs":862},{"color":80},{"text":864,"type":51,"marks":865},"tarjetas corporativas virtuales",[866,876],{"type":203,"attrs":867},{"href":868,"uuid":869,"anchor":46,"target":207,"linktype":208,"story":870},"/blog/tarjetas-virtuales","647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"name":871,"id":872,"uuid":869,"slug":873,"url":874,"full_slug":875,"_stopResolving":68},"Las tarjetas virtuales: qué son y las ventajas de utilizarlas",318939187,"tarjetas-virtuales","blog/tarjetas-virtuales","es/blog/tarjetas-virtuales",{"type":78,"attrs":877},{"color":80},{"text":879,"type":51,"marks":880},", los pagos recurrentes pueden automatizarse; algo menos de lo que preocuparse cada mes. 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Como se crean para cada pago, los datos de la tarjeta son intransferibles. Esto reduce a cero la posibilidad de fraude al pagar.",[919],{"type":78,"attrs":920},{"color":80},{"type":44,"content":922},[923],{"text":924,"type":51,"marks":925},"Pero incluso si una tarjeta virtual se ve expuesta a un riesgo (o excede su límite) solo se interrumpe un pago. Si tienes docenas de suscripciones mensuales, no sufrirás la agonía que supone la cancelación por completo de una tarjeta de crédito, solo de un pago.",[926],{"type":78,"attrs":927},{"color":80},{"type":123,"attrs":929,"content":930},{"level":125},[931],{"text":932,"type":51,"marks":933},"Libérate del plástico de la empresa ",[934,935],{"type":87},{"type":78,"attrs":936},{"color":80},{"type":44,"content":938},[939,944,950],{"text":940,"type":51,"marks":941},"Vamos a reconocer algo: sí, es cierto, las tarjetas de crédito para empresas siguen siendo una opción popular para las startups y los negocios en crecimiento. 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Descubre la mejor opción para tu personal.",[1035],{"_uid":1036,"items":1037,"heading":1075,"reverse":29,"component":1093,"sectionSettings":1094},"bb68a433-1bd0-48d7-9447-70d4f99f1fc9",[1038,1048,1057,1066],{"_uid":1039,"title":1040,"component":1041,"description":1042},"ec0f06e7-276a-4341-8ccb-3437f797edab","¿Qué son las tarjetas corporativas y cómo funcionan para una empresa?","faqItem",{"type":41,"content":1043},[1044],{"type":44,"content":1045},[1046],{"text":1047,"type":51},"Spendesk ofrece tarjetas corporativas físicas y virtuales que permiten controlar y autorizar gastos por equipo o proyecto. 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La plataforma ofrece conciliación contable automatizada, integración con ERP y controles de aprobación en tiempo real, reduciendo errores administrativos y acelerando el cierre financiero.",{"_uid":1058,"title":1059,"component":1041,"description":1060},"7a173b87-d7cb-4be4-8ebb-e96bbbd35f44","¿Cómo se integran las tarjetas corporativas de Spendesk con la contabilidad y el ERP?",{"type":41,"content":1061},[1062],{"type":44,"content":1063},[1064],{"text":1065,"type":51},"Spendesk sincroniza automáticamente transacciones de tarjetas corporativas con la contabilidad mediante integraciones nativas con ERPs y exportaciones contables configurables. 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El derecho a percibir dietas depende del convenio colectivo aplicable o del acuerdo individual. Si el desplazamiento genera gastos, la empresa debe compensarlos según lo pactado.",{"_uid":3290,"title":3291,"component":1041,"description":3292},"88d58c23-5846-49cd-bace-64ebe886dcd0","¿A cuánto se paga el kilometraje en 2025?",{"type":41,"content":3293},[3294],{"type":44,"attrs":3295,"content":3296},{"textAlign":46},[3297],{"text":3298,"type":51},"En 2025, la AEAT fija 0,26 €/km como importe exento de IRPF para vehículo particular. 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Sin pernocta, baja a 26,67 €/día. La pernocta se acredita con factura de hotel; sin ella, la AEAT aplica el tramo inferior.",{"_uid":3320,"title":3321,"component":1041,"description":3322},"daa65787-d05a-4f9f-9abc-e51e7e2ea55d","¿Cómo gestionar el IRPF en las dietas y gastos de representación?",{"type":41,"content":3323},[3324],{"type":44,"attrs":3325,"content":3326},{"textAlign":46},[3327,3329],{"text":3328,"type":51},"El empleador clasifica cada dieta por tipo (manutención, alojamiento, kilometraje), aplica los límites exentos correspondientes e incluye el exceso como retribución sujeta a IRPF en la nómina. Un sistema digitalizado de gestión de gastos reduce los errores de clasificación y genera la documentación que la AEAT puede solicitar. --- Gestionar dietas, justificantes y clasificación fiscal con hojas de cálculo y correos electrónicos multiplica el riesgo de error en cada nómina. Spendesk centraliza la captura de recibos, el cálculo de kilometraje y la aprobación de cada desplazamiento en una sola plataforma, con un expediente digital listo para cualquier inspección. 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La pregunta relevante es cuánto cuesta no tenerlo: el procesamiento manual de cada nota de gasto consume tiempo del equipo financiero, del empleado y del aprobador, y las excepciones de política detectadas a final de mes cuestan precisión contable.",{"_uid":3436,"title":3437,"component":1041,"description":3438},"be948b3f-f4ae-43aa-b9d5-35917ff73fe5","¿Cómo afecta VERI*FACTU a la elección de software de gestión de gastos?",{"type":41,"content":3439},[3440],{"type":44,"attrs":3441,"content":3442},{"textAlign":46},[3443],{"text":3444,"type":51},"Desde enero de 2027 (sociedades) y julio de 2027 (resto de obligados tributarios), todo software de facturación en España debe generar registros con código QR, huella digital y trazabilidad en tiempo real. Cualquier plataforma que elijas debería estar ya preparándose para cumplir con VERI*FACTU.",{"_uid":3446,"title":3447,"component":1041,"description":3448},"9f150f8a-edc4-488f-9442-2d02b5f974d0","¿Cómo consigo que el equipo adopte un nuevo software de gestión de gastos?",{"type":41,"content":3449},[3450],{"type":44,"attrs":3451,"content":3452},{"textAlign":46},[3453,3455,3459],{"text":3454,"type":51},"La adopción depende de dos factores: que el proceso sea más sencillo que el anterior y que los empleados vean el beneficio inmediato (reembolsos más rápidos, menos papeleo). Elige una plataforma con app móvil intuitiva y flujos que guíen al usuario paso a paso. --- ",{"text":1987,"type":51,"marks":3456},[3457],{"type":203,"attrs":3458},{"href":3195,"uuid":46,"anchor":46,"target":2019,"linktype":32},{"text":3460,"type":51}," y descubre cómo tu equipo financiero puede recuperar el control del gasto sin frenar al resto de la empresa.",[3462],{"cta":3463,"_uid":3464,"title":3465,"eyebrow":3471,"subtitle":3476,"component":123,"textAlign":23,"flexibleSection":3481,"sectionSettings":3482,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"1ed8dacd-f211-4ddf-aa7e-5bd6e62e2575",{"type":41,"content":3466},[3467],{"type":123,"attrs":3468,"content":3469},{"level":125,"textAlign":46},[3470],{"text":3077,"type":51},{"type":41,"content":3472},[3473],{"type":44,"attrs":3474,"content":3475},{"textAlign":46},[],{"type":41,"content":3477},[3478],{"type":44,"attrs":3479,"content":3480},{"textAlign":46},[],[],[],"funciones-software-gestion-gastos","es/blog/funciones-software-gestion-gastos",-1830,[],"376bec69-5a09-4a81-98f2-35411d6f6516","2026-06-10T13:00:47.645Z",[],"blog/funciones-software-gestion-gastos",[3492,3493,3494],{"path":3490,"name":46,"lang":64,"published":46},{"path":3490,"name":46,"lang":66,"published":46},{"path":3490,"name":46,"lang":59,"published":46},{"name":3496,"created_at":3497,"published_at":3498,"updated_at":3499,"id":3500,"uuid":3501,"content":3502,"slug":3600,"full_slug":3601,"sort_by_date":46,"position":3602,"tag_list":3603,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":3604,"first_published_at":3605,"release_id":46,"lang":59,"path":46,"alternates":3606,"default_full_slug":3607,"translated_slugs":3608},"Spendesk vs Tickelia: qué software de gestión de gastos elegir","2026-06-10T13:00:06.352Z","2026-06-10T13:15:12.498Z","2026-06-10T13:15:12.534Z",185986278869738,"a97ab97d-0652-439c-8151-603219f3755d",{"_uid":3503,"title":3496,"topics":3504,"noIndex":29,"category":3513,"language":3522,"component":1002,"heroMedia":3523,"metaTitle":3524,"publishedAt":23,"readingTime":3001,"redirectUrl":23,"listingImage":3525,"metaDescription":3526,"bottomArticleCta":3527,"componentsAfterTheArticle":3528},"98213d02-2c4c-4e70-b2d0-426295843b03",[3505],{"name":1394,"created_at":3380,"published_at":6,"updated_at":3381,"id":3382,"uuid":3383,"content":3506,"slug":3385,"full_slug":3386,"sort_by_date":46,"position":2978,"tag_list":3507,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":3388,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":3508,"default_full_slug":3390,"translated_slugs":3509,"_stopResolving":68},{"_uid":2974,"name":1394,"component":2975},[],[],[3510,3511,3512],{"path":3390,"name":46,"lang":64,"published":46},{"path":3390,"name":46,"lang":66,"published":46},{"path":3390,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":3514,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":3516,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":3517,"default_full_slug":1010,"translated_slugs":3518,"_stopResolving":68},{"_uid":996,"icon":3515,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3519,3520,3521],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Spendesk vs Tickelia: qué software de gestión de gastos eleg",[],"Comparamos Spendesk y Tickelia punto por punto: funcionalidades, integraciones con Sage y Holded, precios y cumplimiento VERI*FACTU para empresas españolas.",[],[3529],{"_uid":3530,"items":3531,"heading":3578,"component":1093},"2822d6a4-c880-4d22-940f-e5556a6b43f3",[3532,3542,3551,3561],{"_uid":3533,"title":3534,"component":1041,"description":3535},"d7198fc1-33c0-4d3a-9567-217d9448642d","¿Cuál es el mejor software de gastos para empresas medianas?",{"type":41,"content":3536},[3537],{"type":44,"attrs":3538,"content":3539},{"textAlign":46},[3540],{"text":3541,"type":51},"Depende del alcance que necesite. Si busca un especialista en notas de gastos y viajes, una herramienta como Tickelia cubre ese ámbito. Si busca una plataforma de gestión del gasto que integre tarjetas, facturas y órdenes de compra (7 módulos en uno), una solución como Spendesk es más completa para empresas a partir de 50 empleados.",{"_uid":3543,"title":3417,"component":1041,"description":3544},"c082e752-cca9-47e6-bfb1-bdfc7d91698d",{"type":41,"content":3545},[3546],{"type":44,"attrs":3547,"content":3548},{"textAlign":46},[3549],{"text":3550,"type":51},"Evalúe cuatro factores: la profundidad de las integraciones con su contabilidad (Sage, Holded, A3), el modelo de precio (por usuario frente a ilimitado), la preparación para VERI*FACTU (plazo de adaptación antes de enero de 2027) y el alcance funcional (solo notas de gastos o las siete áreas del ciclo completo del gasto).",{"_uid":3552,"title":3553,"component":1041,"description":3554},"c9d42fcf-d686-4451-98cb-5999ada41d8a","¿Se puede migrar de Tickelia a Spendesk (o viceversa)?",{"type":41,"content":3555},[3556],{"type":44,"attrs":3557,"content":3558},{"textAlign":46},[3559],{"text":3560,"type":51},"Sí, la migración es posible en ambas direcciones. Spendesk ofrece un proceso de implantación con un tiempo medio de seis semanas, y algunas empresas completan la puesta en marcha en dos semanas.",{"_uid":3562,"title":3563,"component":1041,"description":3564},"bbb70107-8afe-485d-8ab7-904dd50fdadd","¿Qué funciones debe incluir un software de gastos empresariales?",{"type":41,"content":3565},[3566],{"type":44,"attrs":3567,"content":3568},{"textAlign":46},[3569,3571,3576],{"text":3570,"type":51},"Como mínimo cinco funciones: captura de recibos con OCR, flujos de aprobación configurables, integración con su ERP o software contable, analítica en tiempo real y gestión de tarjetas de empresa. Las plataformas más completas añaden órdenes de compra y gestión de facturas de proveedores, lo que reduce la necesidad de herramientas adicionales. --- ¿Quiere ver cómo Spendesk gestiona el gasto de empresas españolas? ",{"text":3572,"type":51,"marks":3573},"Solicita una demostración personalizada",[3574],{"type":203,"attrs":3575},{"href":3195,"uuid":46,"anchor":46,"target":2019,"linktype":32},{"text":3577,"type":51}," y compruebe cómo funciona con su equipo y su contabilidad.",[3579],{"cta":3580,"_uid":3581,"title":3582,"eyebrow":3588,"subtitle":3593,"component":123,"textAlign":23,"flexibleSection":3598,"sectionSettings":3599,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"56c82387-541f-4e55-a46e-cc1403be2c3b",{"type":41,"content":3583},[3584],{"type":123,"attrs":3585,"content":3586},{"level":125,"textAlign":46},[3587],{"text":3077,"type":51},{"type":41,"content":3589},[3590],{"type":44,"attrs":3591,"content":3592},{"textAlign":46},[],{"type":41,"content":3594},[3595],{"type":44,"attrs":3596,"content":3597},{"textAlign":46},[],[],[],"spendesk-vs-tickelia","es/blog/spendesk-vs-tickelia",-1820,[],"03b5611a-a0e0-4335-8877-09491885afe4","2026-06-10T13:00:29.597Z",[],"blog/spendesk-vs-tickelia",[3609,3610,3611],{"path":3607,"name":46,"lang":64,"published":46},{"path":3607,"name":46,"lang":66,"published":46},{"path":3607,"name":46,"lang":59,"published":46},{"name":3613,"created_at":3614,"published_at":3615,"updated_at":3616,"id":3617,"uuid":3618,"content":3619,"slug":3724,"full_slug":3725,"sort_by_date":46,"position":3726,"tag_list":3727,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":3728,"first_published_at":3729,"release_id":46,"lang":59,"path":46,"alternates":3730,"default_full_slug":3731,"translated_slugs":3732},"Mejor software de gestión de gastos para empresas medianas: 5 criterios clave en 2025","2026-06-10T13:00:04.866Z","2026-06-10T13:15:10.674Z","2026-06-10T13:15:10.733Z",185986272795279,"992a9d42-f217-421f-9900-bec0bc60dd5b",{"_uid":3620,"title":3613,"topics":3621,"noIndex":29,"category":3630,"language":3639,"component":1002,"heroMedia":3640,"metaTitle":3641,"publishedAt":23,"readingTime":3132,"redirectUrl":23,"listingImage":3642,"metaDescription":3643,"bottomArticleCta":3644,"componentsAfterTheArticle":3645},"f2c19e55-6afd-44ba-a402-4cf896052133",[3622],{"name":1394,"created_at":3380,"published_at":6,"updated_at":3381,"id":3382,"uuid":3383,"content":3623,"slug":3385,"full_slug":3386,"sort_by_date":46,"position":2978,"tag_list":3624,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":3388,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":3625,"default_full_slug":3390,"translated_slugs":3626,"_stopResolving":68},{"_uid":2974,"name":1394,"component":2975},[],[],[3627,3628,3629],{"path":3390,"name":46,"lang":64,"published":46},{"path":3390,"name":46,"lang":66,"published":46},{"path":3390,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":3631,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":3633,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":3634,"default_full_slug":1010,"translated_slugs":3635,"_stopResolving":68},{"_uid":996,"icon":3632,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3636,3637,3638],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Mejor software de gestión de gastos para empresas medianas: ",[],"Descubra los criterios clave para elegir un software de gestión empresarial en empresas medianas. Comparativa de funciones, cumplimiento normativo y coste total.",[],[3646],{"_uid":3647,"items":3648,"heading":3702,"component":1093},"2e238039-222e-4f20-b680-e7b8630f8c26",[3649,3658,3667,3677,3687],{"_uid":3650,"title":3417,"component":1041,"description":3651},"c3fc812c-e671-40ce-a0ab-70362da5114a",{"type":41,"content":3652},[3653],{"type":44,"attrs":3654,"content":3655},{"textAlign":46},[3656],{"text":3657,"type":51},"Utilice un marco de cinco dimensiones: cobertura funcional (tarjetas, facturas, solicitudes de compra en un flujo), integración con el ecosistema contable español (Holded, A3, Sage), cumplimiento normativo (SII, VERI*FACTU, Crea y Crece), coste total a 12 meses incluyendo comisiones ocultas y velocidad de implantación (el promedio del mercado oscila entre 2 y 12 semanas según la complejidad).",{"_uid":3659,"title":3563,"component":1041,"description":3660},"42d6797a-234f-4989-8398-f8691e17fd83",{"type":41,"content":3661},[3662],{"type":44,"attrs":3663,"content":3664},{"textAlign":46},[3665],{"text":3666,"type":51},"Como mínimo: digitalización de justificantes con OCR, flujos de aprobación configurables, integración contable nativa con herramientas españolas y tarjetas corporativas con límites por transacción. Para empresas de más de 100 empleados, añada gestión multi-entidad, conciliación automática y gestión centralizada de suscripciones.",{"_uid":3668,"title":3669,"component":1041,"description":3670},"fca5ad08-a4b6-4efe-a16e-9300c850ef5a","¿Qué diferencia a una herramienta de notas de gastos de una plataforma integral de gestión de gasto?",{"type":41,"content":3671},[3672],{"type":44,"attrs":3673,"content":3674},{"textAlign":46},[3675],{"text":3676,"type":51},"Las herramientas especializadas en notas de gastos se centran en la digitalización de justificantes, las dietas de viaje (con tarifas como los 0,26 €/km aprobados por la AEAT) y la recuperación automática del IVA. Las plataformas integrales unifican tarjetas, facturas de proveedores, solicitudes de compra, conciliación a tres bandas y gestión multi-entidad en un solo flujo.",{"_uid":3678,"title":3679,"component":1041,"description":3680},"691cb59c-49e8-4838-934d-5ba8fa487452","¿Cuánto cuesta un software de gestión de gastos para empresas medianas?",{"type":41,"content":3681},[3682],{"type":44,"attrs":3683,"content":3684},{"textAlign":46},[3685],{"text":3686,"type":51},"Los modelos de precios varían entre 5 y 15 € por usuario al mes, dependiendo del conjunto de funciones. Compruebe los costes ocultos: comisiones de emisión de tarjetas, recargos por cambio de divisa (que pueden oscilar entre el 0,5 % y el 3 %) y cargos de implantación. Algunas plataformas ofrecen usuarios y tarjetas virtuales ilimitados sin coste adicional por puesto.",{"_uid":3688,"title":3534,"component":1041,"description":3689},"28d9571b-2637-4881-bb2a-60aa0ca27230",{"type":41,"content":3690},[3691],{"type":44,"attrs":3692,"content":3693},{"textAlign":46},[3694,3696,3701],{"text":3695,"type":51},"La mejor elección depende de las necesidades específicas de cada empresa: número de entidades, presencia internacional, volumen de facturas y nivel de integración contable requerido. Las plataformas de control previo permiten conciliar hasta el 95 % de los pagos en menos de dos días. 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Criterios clave, plataformas y cómo preparar tu empresa.",[],[3770],{"_uid":3771,"items":3772,"heading":3823,"component":1093},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[3773,3783,3793,3803,3813],{"_uid":3774,"title":3775,"component":1041,"description":3776},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":41,"content":3777},[3778],{"type":44,"attrs":3779,"content":3780},{"textAlign":46},[3781],{"text":3782,"type":51},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":3784,"title":3785,"component":1041,"description":3786},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":41,"content":3787},[3788],{"type":44,"attrs":3789,"content":3790},{"textAlign":46},[3791],{"text":3792,"type":51},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":3794,"title":3795,"component":1041,"description":3796},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":41,"content":3797},[3798],{"type":44,"attrs":3799,"content":3800},{"textAlign":46},[3801],{"text":3802,"type":51},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. FACeB2B es su extensión para facilitar el intercambio de facturas electrónicas entre empresas privadas, aunque su adopción aún es limitada.",{"_uid":3804,"title":3805,"component":1041,"description":3806},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":41,"content":3807},[3808],{"type":44,"attrs":3809,"content":3810},{"textAlign":46},[3811],{"text":3812,"type":51},"No necesariamente, pero muchas herramientas de facturación se centran en la emisión. La recepción, validación y archivo de facturas entrantes requiere funcionalidad de cuentas por pagar que no todos los programas incluyen.",{"_uid":3814,"title":3815,"component":1041,"description":3816},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":41,"content":3817},[3818],{"type":44,"attrs":3819,"content":3820},{"textAlign":46},[3821],{"text":3822,"type":51},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. Exige que el software de facturación genere un fichero firmado electrónicamente por cada operación, con requisitos técnicos distintos al VERI*FACTU estatal. --- New call-to-action",[3824],{"cta":3825,"_uid":3826,"title":3827,"eyebrow":3833,"subtitle":3838,"component":123,"textAlign":23,"flexibleSection":3843,"sectionSettings":3844,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":41,"content":3828},[3829],{"type":123,"attrs":3830,"content":3831},{"level":125,"textAlign":46},[3832],{"text":3077,"type":51},{"type":41,"content":3834},[3835],{"type":44,"attrs":3836,"content":3837},{"textAlign":46},[],{"type":41,"content":3839},[3840],{"type":44,"attrs":3841,"content":3842},{"textAlign":46},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1800,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[3854,3855,3856],{"path":3852,"name":46,"lang":64,"published":46},{"path":3852,"name":46,"lang":66,"published":46},{"path":3852,"name":46,"lang":59,"published":46},{"name":3858,"created_at":3859,"published_at":3860,"updated_at":3861,"id":3862,"uuid":3863,"content":3864,"slug":3974,"full_slug":3975,"sort_by_date":46,"position":3976,"tag_list":3977,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":3978,"first_published_at":3979,"release_id":46,"lang":59,"path":46,"alternates":3980,"default_full_slug":3981,"translated_slugs":3982},"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a paso","2026-06-10T13:00:01.653Z","2026-06-10T13:15:07.252Z","2026-06-10T13:15:07.276Z",185986259622305,"a4efc33d-5ef5-4c71-ae30-9ddb4ab0f2e6",{"_uid":3865,"title":3858,"topics":3866,"noIndex":29,"category":3875,"language":3884,"component":1002,"heroMedia":3885,"metaTitle":3886,"publishedAt":23,"readingTime":3271,"redirectUrl":23,"listingImage":3887,"metaDescription":3888,"bottomArticleCta":3889,"componentsAfterTheArticle":3890},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[3867],{"name":1362,"created_at":2969,"published_at":6,"updated_at":2970,"id":2971,"uuid":2972,"content":3868,"slug":2976,"full_slug":2977,"sort_by_date":46,"position":2978,"tag_list":3869,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":2981,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":3870,"default_full_slug":2984,"translated_slugs":3871,"_stopResolving":68},{"_uid":2974,"name":1362,"component":2975},[],[],[3872,3873,3874],{"path":2984,"name":46,"lang":64,"published":46},{"path":2984,"name":46,"lang":66,"published":46},{"path":2984,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":3876,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":3878,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":3879,"default_full_slug":1010,"translated_slugs":3880,"_stopResolving":68},{"_uid":996,"icon":3877,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3881,3882,3883],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a",[],"El modelo 303 es la autoliquidación trimestral del IVA ante la AEAT. Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[3891],{"_uid":3892,"items":3893,"heading":3952,"component":1093},"624a6787-08f1-4f35-8970-94eeedbbef72",[3894,3904,3914,3924,3934],{"_uid":3895,"title":3896,"component":1041,"description":3897},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":41,"content":3898},[3899],{"type":44,"attrs":3900,"content":3901},{"textAlign":46},[3902],{"text":3903,"type":51},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":3905,"title":3906,"component":1041,"description":3907},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":41,"content":3908},[3909],{"type":44,"attrs":3910,"content":3911},{"textAlign":46},[3912],{"text":3913,"type":51},"Sí, pero la declaración debe presentarse al menos cinco días antes del vencimiento. Pasado ese plazo, el pago requiere un código NRC emitido por el banco.",{"_uid":3915,"title":3916,"component":1041,"description":3917},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":41,"content":3918},[3919],{"type":44,"attrs":3920,"content":3921},{"textAlign":46},[3922],{"text":3923,"type":51},"Un resultado negativo (más IVA soportado que devengado) se compensa en trimestres posteriores. La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":3925,"title":3926,"component":1041,"description":3927},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":41,"content":3928},[3929],{"type":44,"attrs":3930,"content":3931},{"textAlign":46},[3932],{"text":3933,"type":51},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":3935,"title":3936,"component":1041,"description":3937},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":41,"content":3938},[3939],{"type":44,"attrs":3940,"content":3941},{"textAlign":46},[3942,3944,3950],{"text":3943,"type":51},"Sí. Las adquisiciones intracomunitarias se declaran en las casillas 10 y 11 (IVA devengado) y en las casillas 36 a 39 (IVA deducible), aplicando la inversión del sujeto pasivo. Además, presenta el modelo 349 como resumen trimestral de operaciones intracomunitarias. Si gestionas ",{"text":3945,"type":51,"marks":3946},"facturas simplificadas",[3947],{"type":203,"attrs":3948},{"href":3949,"uuid":46,"anchor":46,"target":2019,"linktype":32},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":3951,"type":51},", ten en cuenta que no son válidas para operaciones intracomunitarias. --- Preparar el modelo 303 cada trimestre no tiene por qué consumir días de trabajo manual. Cuando cada gasto lleva el justificante, la categoría de IVA y la aprobación desde el momento en que se produce, el cierre trimestral se reduce a una revisión final.",[3953],{"cta":3954,"_uid":3955,"title":3956,"eyebrow":3962,"subtitle":3967,"component":123,"textAlign":23,"flexibleSection":3972,"sectionSettings":3973,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":41,"content":3957},[3958],{"type":123,"attrs":3959,"content":3960},{"level":125,"textAlign":46},[3961],{"text":3077,"type":51},{"type":41,"content":3963},[3964],{"type":44,"attrs":3965,"content":3966},{"textAlign":46},[],{"type":41,"content":3968},[3969],{"type":44,"attrs":3970,"content":3971},{"textAlign":46},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1790,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[3983,3984,3985],{"path":3981,"name":46,"lang":64,"published":46},{"path":3981,"name":46,"lang":66,"published":46},{"path":3981,"name":46,"lang":59,"published":46},{"name":3987,"created_at":3988,"published_at":3989,"updated_at":3990,"id":3991,"uuid":3992,"content":3993,"slug":4114,"full_slug":4115,"sort_by_date":46,"position":4116,"tag_list":4117,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":4118,"first_published_at":3989,"release_id":46,"lang":59,"path":46,"alternates":4119,"default_full_slug":4120,"translated_slugs":4121},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-06-02T11:11:52.472Z","2026-06-02T11:11:52.494Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":3994,"title":3987,"topics":3995,"noIndex":29,"category":4021,"language":4030,"component":1002,"heroMedia":4031,"metaTitle":4032,"publishedAt":23,"readingTime":4033,"redirectUrl":23,"listingImage":4034,"metaDescription":4035,"bottomArticleCta":4036,"componentsAfterTheArticle":4037},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[3996,4004],{"name":1362,"created_at":2969,"published_at":6,"updated_at":2970,"id":2971,"uuid":2972,"content":3997,"slug":2976,"full_slug":2977,"sort_by_date":46,"position":2978,"tag_list":3998,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":2981,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":3999,"default_full_slug":2984,"translated_slugs":4000,"_stopResolving":68},{"_uid":2974,"name":1362,"component":2975},[],[],[4001,4002,4003],{"path":2984,"name":46,"lang":64,"published":46},{"path":2984,"name":46,"lang":66,"published":46},{"path":2984,"name":46,"lang":59,"published":46},{"name":4005,"created_at":4006,"published_at":6,"updated_at":4007,"id":4008,"uuid":4009,"content":4010,"slug":4011,"full_slug":4012,"sort_by_date":46,"position":2978,"tag_list":4013,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":4014,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4015,"default_full_slug":4016,"translated_slugs":4017,"_stopResolving":68},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":2974,"name":4005,"component":2975},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[4018,4019,4020],{"path":4016,"name":46,"lang":64,"published":46},{"path":4016,"name":46,"lang":66,"published":46},{"path":4016,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":4022,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":4024,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":4025,"default_full_slug":1010,"translated_slugs":4026,"_stopResolving":68},{"_uid":996,"icon":4023,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4027,4028,4029],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","13",[],"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[4038],{"_uid":4039,"items":4040,"heading":1672,"component":1093},"d437e15a-ca83-40ff-962f-928bbc083496",[4041,4059,4069,4079,4089],{"_uid":4042,"title":4043,"component":1041,"description":4044},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":41,"content":4045},[4046],{"type":44,"attrs":4047,"content":4048},{"textAlign":46},[4049,4051,4057],{"text":4050,"type":51},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4052,"type":51,"marks":4053},"Ley 15/2010",[4054],{"type":203,"attrs":4055},{"href":4056,"uuid":46,"anchor":46,"target":2019,"linktype":32},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4058,"type":51},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":4060,"title":4061,"component":1041,"description":4062},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":41,"content":4063},[4064],{"type":44,"attrs":4065,"content":4066},{"textAlign":46},[4067],{"text":4068,"type":51},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":4070,"title":4071,"component":1041,"description":4072},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":41,"content":4073},[4074],{"type":44,"attrs":4075,"content":4076},{"textAlign":46},[4077],{"text":4078,"type":51},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":4080,"title":4081,"component":1041,"description":4082},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":41,"content":4083},[4084],{"type":44,"attrs":4085,"content":4086},{"textAlign":46},[4087],{"text":4088,"type":51},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":4090,"title":4091,"component":1041,"description":4092},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":41,"content":4093},[4094],{"type":44,"attrs":4095,"content":4096},{"textAlign":46},[4097,4099,4105,4107,4113],{"text":4098,"type":51},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":4100,"type":51,"marks":4101},"conciliación",[4102],{"type":203,"attrs":4103},{"href":4104,"uuid":46,"anchor":46,"target":2019,"linktype":32},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":4106,"type":51},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":4108,"type":51,"marks":4109},"visita spendesk.com/es/",[4110],{"type":203,"attrs":4111},{"href":4112,"uuid":46,"anchor":46,"target":2019,"linktype":32},"https://www.spendesk.com/es/",{"text":263,"type":51},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1710,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02",[],"blog/calculo-periodo-medio-pago-proveedores",[4122,4123,4124],{"path":4120,"name":46,"lang":64,"published":46},{"path":4120,"name":46,"lang":66,"published":46},{"path":4120,"name":46,"lang":59,"published":46},{"name":4126,"created_at":4127,"published_at":4128,"updated_at":4129,"id":4130,"uuid":4131,"content":4132,"slug":4224,"full_slug":4225,"sort_by_date":46,"position":4226,"tag_list":4227,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":4228,"first_published_at":4229,"release_id":46,"lang":59,"path":46,"alternates":4230,"default_full_slug":4231,"translated_slugs":4232},"Precio del kilometraje en 2025: tarifa exenta, cálculo y gestión en empresas españolas","2026-06-02T11:10:56.225Z","2026-06-02T11:38:24.781Z","2026-06-02T11:38:24.802Z",183128294355419,"7eaea50e-f4b1-4f00-bfd0-9e1e7611d24b",{"_uid":4133,"title":4126,"topics":4134,"noIndex":29,"category":4151,"language":4160,"component":1002,"heroMedia":4161,"metaTitle":4162,"publishedAt":23,"readingTime":3001,"redirectUrl":23,"listingImage":4163,"metaDescription":4164,"bottomArticleCta":4165,"componentsAfterTheArticle":4166},"f391c302-df01-4124-9dff-a4a1ce3c2e27",[4135,4143],{"name":3243,"created_at":3244,"published_at":6,"updated_at":3245,"id":3246,"uuid":3247,"content":4136,"slug":3249,"full_slug":3250,"sort_by_date":46,"position":2978,"tag_list":4137,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":3252,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4138,"default_full_slug":3254,"translated_slugs":4139,"_stopResolving":68},{"_uid":2974,"name":3243,"component":2975},[],[],[4140,4141,4142],{"path":3254,"name":46,"lang":64,"published":46},{"path":3254,"name":46,"lang":66,"published":46},{"path":3254,"name":46,"lang":59,"published":46},{"name":1394,"created_at":3380,"published_at":6,"updated_at":3381,"id":3382,"uuid":3383,"content":4144,"slug":3385,"full_slug":3386,"sort_by_date":46,"position":2978,"tag_list":4145,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":3388,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4146,"default_full_slug":3390,"translated_slugs":4147,"_stopResolving":68},{"_uid":2974,"name":1394,"component":2975},[],[],[4148,4149,4150],{"path":3390,"name":46,"lang":64,"published":46},{"path":3390,"name":46,"lang":66,"published":46},{"path":3390,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":4152,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":4154,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":4155,"default_full_slug":1010,"translated_slugs":4156,"_stopResolving":68},{"_uid":996,"icon":4153,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4157,4158,4159],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Precio del kilometraje en 2025: tarifa exenta, cálculo y ges",[],"La tarifa exenta de kilometraje en 2025 es de 0,26 €/km. Aprende a calcular el reembolso, qué documentación exige la AEAT y cómo gestionar el proceso en tu empresa.",[],[4167],{"_uid":4168,"items":4169,"heading":1672,"component":1093},"5bc63eb2-99af-4042-9372-bb39b4b10716",[4170,4179,4189,4199,4209],{"_uid":4171,"title":3291,"component":1041,"description":4172},"40a7c5dd-d0bd-405b-91c2-a1518b7c6e15",{"type":41,"content":4173},[4174],{"type":44,"attrs":4175,"content":4176},{"textAlign":46},[4177],{"text":4178,"type":51},"La tarifa exenta de IRPF es de 0,26 €/km según la Orden HFP/792/2023. Las empresas españolas pagan de media entre 0,28 y 0,30 €/km; cualquier importe por encima de 0,26 € tributa como rendimiento del trabajo.",{"_uid":4180,"title":4181,"component":1041,"description":4182},"ad4d4ff8-53e7-4c18-a63f-ca154730350b","¿El kilometraje se paga ida y vuelta?",{"type":41,"content":4183},[4184],{"type":44,"attrs":4185,"content":4186},{"textAlign":46},[4187],{"text":4188,"type":51},"Sí. La distancia computable es el recorrido completo de ida y vuelta desde el centro de trabajo habitual hasta el destino profesional. Una visita a 60 km de la oficina genera un reembolso por 120 km (0,26 €/km x 120 = 31,20 € exentos). El trayecto domicilio-oficina no cuenta.",{"_uid":4190,"title":4191,"component":1041,"description":4192},"28b7307a-5887-4ecf-89e4-696cfdffa79a","¿Cuándo debe una empresa pagar kilometraje a un trabajador?",{"type":41,"content":4193},[4194],{"type":44,"attrs":4195,"content":4196},{"textAlign":46},[4197],{"text":4198,"type":51},"Siempre que el empleado utilice su vehículo personal para un desplazamiento profesional autorizado. La empresa debe haber aprobado el viaje y el empleado debe documentar fecha, destino, motivo y kilómetros recorridos. El reembolso mínimo habitual es de 0,26 €/km (tarifa exenta de IRPF).",{"_uid":4200,"title":4201,"component":1041,"description":4202},"d13e5e00-f9d7-413f-adb1-5f2d465bd021","¿Hay tarifas diferentes de kilometraje en Euskadi o Navarra?",{"type":41,"content":4203},[4204],{"type":44,"attrs":4205,"content":4206},{"textAlign":46},[4207],{"text":4208,"type":51},"Sí. Euskadi aplica una tarifa exenta de 0,29 €/km y Navarra de 0,35 €/km en 2025 (0,36 €/km desde enero de 2026), conforme a sus regímenes forales propios. Estas tarifas se aplican a los trabajadores que tributan en esos territorios.",{"_uid":4210,"title":4211,"component":1041,"description":4212},"4c774d67-b765-4a7a-9ab7-2b499d051bc7","¿Qué pasa si la empresa paga más de 0,26 €/km?",{"type":41,"content":4213},[4214],{"type":44,"attrs":4215,"content":4216},{"textAlign":46},[4217,4219],{"text":4218,"type":51},"El exceso sobre 0,26 €/km se considera rendimiento del trabajo sujeto a IRPF. La empresa debe aplicar la retención correspondiente en nómina e incluir el importe en el Modelo 190. ¿Quieres dejar de perseguir justificantes de kilometraje? ",{"text":4220,"type":51,"marks":4221},"Descubre cómo Spendesk centraliza las notas de gastos de tu equipo.",[4222],{"type":203,"attrs":4223},{"href":3195,"uuid":46,"anchor":46,"target":2019,"linktype":32},"precio-kilometraje-2025","es/blog/precio-kilometraje-2025",-1700,[],"68c470c0-a62e-478a-8b31-a75385c8b200","2026-06-02T11:11:11.405Z",[],"blog/precio-kilometraje-2025",[4233,4234,4235],{"path":4231,"name":46,"lang":64,"published":46},{"path":4231,"name":46,"lang":66,"published":46},{"path":4231,"name":46,"lang":59,"published":46},{"name":4237,"created_at":4238,"published_at":4239,"updated_at":4240,"id":4241,"uuid":4242,"content":4243,"slug":4351,"full_slug":4352,"sort_by_date":46,"position":4353,"tag_list":4354,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":4355,"first_published_at":4356,"release_id":46,"lang":59,"path":46,"alternates":4357,"default_full_slug":4358,"translated_slugs":4359},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-06-02T11:11:02.810Z","2026-06-02T11:11:02.830Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":4244,"title":4237,"topics":4245,"noIndex":29,"category":4262,"language":4271,"component":1002,"heroMedia":4272,"metaTitle":4273,"publishedAt":23,"readingTime":3001,"redirectUrl":23,"listingImage":4274,"metaDescription":4275,"bottomArticleCta":4276,"componentsAfterTheArticle":4277},"c037fbcf-4158-4dad-96d1-4603185c9798",[4246,4254],{"name":1362,"created_at":2969,"published_at":6,"updated_at":2970,"id":2971,"uuid":2972,"content":4247,"slug":2976,"full_slug":2977,"sort_by_date":46,"position":2978,"tag_list":4248,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":2981,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4249,"default_full_slug":2984,"translated_slugs":4250,"_stopResolving":68},{"_uid":2974,"name":1362,"component":2975},[],[],[4251,4252,4253],{"path":2984,"name":46,"lang":64,"published":46},{"path":2984,"name":46,"lang":66,"published":46},{"path":2984,"name":46,"lang":59,"published":46},{"name":4005,"created_at":4006,"published_at":6,"updated_at":4007,"id":4008,"uuid":4009,"content":4255,"slug":4011,"full_slug":4012,"sort_by_date":46,"position":2978,"tag_list":4256,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":4014,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4257,"default_full_slug":4016,"translated_slugs":4258,"_stopResolving":68},{"_uid":2974,"name":4005,"component":2975},[],[],[4259,4260,4261],{"path":4016,"name":46,"lang":64,"published":46},{"path":4016,"name":46,"lang":66,"published":46},{"path":4016,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":4263,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":4265,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":4266,"default_full_slug":1010,"translated_slugs":4267,"_stopResolving":68},{"_uid":996,"icon":4264,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4268,4269,4270],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp",[],"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[4278],{"_uid":4279,"items":4280,"heading":1672,"component":1093},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4281,4291,4301,4311,4321,4331,4341],{"_uid":4282,"title":4283,"component":1041,"description":4284},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":41,"content":4285},[4286],{"type":44,"attrs":4287,"content":4288},{"textAlign":46},[4289],{"text":4290,"type":51},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":4292,"title":4293,"component":1041,"description":4294},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":41,"content":4295},[4296],{"type":44,"attrs":4297,"content":4298},{"textAlign":46},[4299],{"text":4300,"type":51},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":4302,"title":4303,"component":1041,"description":4304},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":41,"content":4305},[4306],{"type":44,"attrs":4307,"content":4308},{"textAlign":46},[4309],{"text":4310,"type":51},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":4312,"title":4313,"component":1041,"description":4314},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":41,"content":4315},[4316],{"type":44,"attrs":4317,"content":4318},{"textAlign":46},[4319],{"text":4320,"type":51},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":4322,"title":4323,"component":1041,"description":4324},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":41,"content":4325},[4326],{"type":44,"attrs":4327,"content":4328},{"textAlign":46},[4329],{"text":4330,"type":51},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":4332,"title":4333,"component":1041,"description":4334},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":41,"content":4335},[4336],{"type":44,"attrs":4337,"content":4338},{"textAlign":46},[4339],{"text":4340,"type":51},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4342,"title":4343,"component":1041,"description":4344},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":41,"content":4345},[4346],{"type":44,"attrs":4347,"content":4348},{"textAlign":46},[4349],{"text":4350,"type":51},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1690,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4360,4361,4362],{"path":4358,"name":46,"lang":64,"published":46},{"path":4358,"name":46,"lang":66,"published":46},{"path":4358,"name":46,"lang":59,"published":46},{"name":4364,"created_at":4365,"published_at":4366,"updated_at":4367,"id":4368,"uuid":4369,"content":4370,"slug":4458,"full_slug":4459,"sort_by_date":46,"position":4460,"tag_list":4461,"is_startpage":29,"parent_id":1106,"meta_data":46,"group_id":4462,"first_published_at":4366,"release_id":46,"lang":59,"path":46,"alternates":4463,"default_full_slug":4464,"translated_slugs":4465},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-06-02T11:09:32.332Z","2026-06-02T11:09:32.352Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":4371,"title":4364,"topics":4372,"noIndex":29,"category":4389,"language":4398,"component":1002,"heroMedia":4399,"metaTitle":4400,"publishedAt":23,"readingTime":3001,"redirectUrl":23,"listingImage":4401,"metaDescription":4402,"bottomArticleCta":4403,"componentsAfterTheArticle":4404},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[4373,4381],{"name":1362,"created_at":2969,"published_at":6,"updated_at":2970,"id":2971,"uuid":2972,"content":4374,"slug":2976,"full_slug":2977,"sort_by_date":46,"position":2978,"tag_list":4375,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":2981,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4376,"default_full_slug":2984,"translated_slugs":4377,"_stopResolving":68},{"_uid":2974,"name":1362,"component":2975},[],[],[4378,4379,4380],{"path":2984,"name":46,"lang":64,"published":46},{"path":2984,"name":46,"lang":66,"published":46},{"path":2984,"name":46,"lang":59,"published":46},{"name":4005,"created_at":4006,"published_at":6,"updated_at":4007,"id":4008,"uuid":4009,"content":4382,"slug":4011,"full_slug":4012,"sort_by_date":46,"position":2978,"tag_list":4383,"is_startpage":29,"parent_id":2980,"meta_data":46,"group_id":4014,"first_published_at":2982,"release_id":46,"lang":59,"path":46,"alternates":4384,"default_full_slug":4016,"translated_slugs":4385,"_stopResolving":68},{"_uid":2974,"name":4005,"component":2975},[],[],[4386,4387,4388],{"path":4016,"name":46,"lang":64,"published":46},{"path":4016,"name":46,"lang":66,"published":46},{"path":4016,"name":46,"lang":59,"published":46},{"name":990,"created_at":991,"published_at":6,"updated_at":992,"id":993,"uuid":994,"content":4390,"slug":1002,"full_slug":1003,"sort_by_date":46,"position":1004,"tag_list":4392,"is_startpage":29,"parent_id":1006,"meta_data":46,"group_id":1007,"first_published_at":1008,"release_id":46,"lang":59,"path":46,"alternates":4393,"default_full_slug":1010,"translated_slugs":4394,"_stopResolving":68},{"_uid":996,"icon":4391,"name":990,"component":1001},{"id":998,"alt":999,"name":23,"focus":23,"title":23,"filename":1000,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4395,4396,4397],{"path":1010,"name":46,"lang":64,"published":46},{"path":1010,"name":46,"lang":66,"published":46},{"path":1010,"name":46,"lang":59,"published":46},[59],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co",[],"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[4405],{"_uid":4406,"items":4407,"heading":1672,"component":1093},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[4408,4418,4428,4438,4448],{"_uid":4409,"title":4410,"component":1041,"description":4411},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":41,"content":4412},[4413],{"type":44,"attrs":4414,"content":4415},{"textAlign":46},[4416],{"text":4417,"type":51},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":4419,"title":4420,"component":1041,"description":4421},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":41,"content":4422},[4423],{"type":44,"attrs":4424,"content":4425},{"textAlign":46},[4426],{"text":4427,"type":51},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":4429,"title":4430,"component":1041,"description":4431},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":41,"content":4432},[4433],{"type":44,"attrs":4434,"content":4435},{"textAlign":46},[4436],{"text":4437,"type":51},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. 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