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única. Lo que sí puedes hacer es evaluar cada proveedor con criterios objetivos que impactan directamente en tu operativa diaria. Estos son los seis factores que deberías considerar antes de tomar una decisión:",{"type":283,"attrs":698,"content":699},{"level":285,"textAlign":25},[700],{"text":701,"type":116},"1. Controles de gasto y límites por empleado",{"type":110,"attrs":703,"content":705},{"textAlign":25,"key":704},"p-45",[706],{"text":707,"type":116},"¿Puedes establecer un tope mensual o por transacción para cada empleado? ¿Puedes bloquear categorías de comercio específicas (por ejemplo, retiradas de efectivo o compras personales)? Una tarjeta de empresa con límites individualizados marca la diferencia entre un presupuesto controlado y un sobregiro inesperado al final del mes.",{"type":110,"attrs":709,"content":711},{"textAlign":25,"key":710},"p-46",[712],{"text":713,"type":116},"Las plataformas más avanzadas permiten configurar reglas granulares: límites diarios, semanales y mensuales, restricciones por tipo de comercio e incluso horarios de uso permitido.",{"type":283,"attrs":715,"content":716},{"level":285,"textAlign":25},[717],{"text":718,"type":116},"2. Integración con tu software contable",{"type":110,"attrs":720,"content":722},{"textAlign":25,"key":721},"p-47",[723,725,731],{"text":724,"type":116},"Si la tarjeta no se sincroniza automáticamente con tu ERP o ",{"text":726,"type":116,"marks":727},"herramientas financieras",[728],{"type":218,"attrs":729},{"href":730,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/herramientas-financieras/",{"text":732,"type":116},"  (Sage, A3, Holded, Contaplus, SAP), duplicarás el trabajo de conciliación cada mes. Pregunta siempre si el proveedor ofrece exportación automática de asientos contables, mapeo de categorías de gasto y conciliación en tiempo real.",{"type":110,"attrs":734,"content":736},{"textAlign":25,"key":735},"p-48",[737],{"text":738,"type":116},"Una integración bien configurada puede reducir hasta un 80% el tiempo de entrada manual de datos, según datos de Spendesk. Eso son horas de tu equipo cada mes que puedes redirigir a análisis financiero de mayor valor.",{"type":283,"attrs":740,"content":741},{"level":285,"textAlign":25},[742],{"text":743,"type":116},"3. Captura de recibos y automatización del cumplimiento",{"type":110,"attrs":745,"content":747},{"textAlign":25,"key":746},"p-49",[748,750,756],{"text":749,"type":116},"El 80% de los problemas en auditorías de la AEAT provienen de recibos perdidos o mal archivados. Busca proveedores que permitan a los empleados fotografiar el ticket desde el móvil inmediatamente después de la compra y que envíen recordatorios automáticos si falta documentación. Una buena ",{"text":751,"type":116,"marks":752},"gestión de recibos",[753],{"type":218,"attrs":754},{"href":755,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-recibos/",{"text":757,"type":116}," marca la diferencia entre un cierre contable limpio y una pesadilla de documentación.",{"type":110,"attrs":759,"content":761},{"textAlign":25,"key":760},"p-50",[762,764,770],{"text":763,"type":116},"La mejor práctica del mercado alcanza tasas de entrega de recibos a tiempo del 97-98%. Spendesk consigue este resultado con su funcionalidad «Play by the Rules», que bloquea automáticamente la tarjeta si el empleado no sube el recibo en el plazo establecido. Esto transforma completamente el ",{"text":765,"type":116,"marks":766},"cierre mensual",[767],{"type":218,"attrs":768},{"href":769,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":771,"type":116},".",{"type":283,"attrs":773,"content":774},{"level":285,"textAlign":25},[775],{"text":776,"type":116},"4. Costes y comisiones",{"type":110,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-51",[781],{"text":782,"type":116},"No te fijes solo en la cuota mensual. Calcula el coste total de propiedad: comisiones por transacción nacional e internacional, coste de emisión de tarjetas adicionales (físicas y virtuales), comisiones de cambio de divisa para compras en otras monedas y el tiempo de tu equipo en conciliación manual.",{"type":110,"attrs":784,"content":786},{"textAlign":25,"key":785},"p-52",[787],{"text":788,"type":116},"Una tarjeta «gratuita» que te obliga a 10 horas de trabajo administrativo al mes no es gratuita. El coste real incluye el tiempo de tu equipo, las deducciones fiscales perdidas por recibos extraviados y el riesgo de sanciones por incumplimiento documental.",{"type":283,"attrs":790,"content":791},{"level":285,"textAlign":25},[792],{"text":793,"type":116},"5. Cashback o recompensas",{"type":110,"attrs":795,"content":797},{"textAlign":25,"key":796},"p-53",[798],{"text":799,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Si tu empresa mueve 100.000 euros al año en tarjetas, eso son entre 500 y 1.000 euros de ahorro directo. Para empresas con mayor volumen de gasto, las cifras se multiplican.",{"type":110,"attrs":801,"content":803},{"textAlign":25,"key":802},"p-54",[804],{"text":805,"type":116},"No es el factor decisivo, pero a igualdad de funcionalidades, el cashback suma. 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Esto elimina el riesgo de suscripciones «zombie» que siguen cobrando meses después de que dejaste de usar el servicio.",{"type":283,"attrs":824,"content":825},{"level":687,"textAlign":25},[826],{"text":827,"type":116},"¿Qué gastos puedes pagar con una tarjeta de empresa?",{"type":110,"attrs":829,"content":831},{"textAlign":25,"key":830},"p-57",[832,834,840],{"text":833,"type":116},"Una tarjeta de empresa puede cubrir cualquier gasto directamente relacionado con la actividad del negocio. Los ",{"text":835,"type":116,"marks":836},"tipos de gastos que las empresas deben controlar",[837],{"type":218,"attrs":838},{"href":839,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/tipos-de-gastos/",{"text":841,"type":116}," más habituales incluyen:",{"type":843,"content":844},"bullet_list",[845,858,870,882,894,906,918],{"type":846,"content":847},"list_item",[848],{"type":110,"attrs":849,"content":851},{"textAlign":25,"key":850},"p-58",[852,856],{"text":853,"type":116,"marks":854},"Viajes y desplazamientos",[855],{"type":303},{"text":857,"type":116},": billetes de avión, tren, autobús, alquiler de vehículos, taxis, VTC, peajes y aparcamientos",{"type":846,"content":859},[860],{"type":110,"attrs":861,"content":863},{"textAlign":25,"key":862},"p-59",[864,868],{"text":865,"type":116,"marks":866},"Alojamiento",[867],{"type":303},{"text":869,"type":116},": hoteles, apartamentos y residencias para viajes de trabajo",{"type":846,"content":871},[872],{"type":110,"attrs":873,"content":875},{"textAlign":25,"key":874},"p-60",[876,880],{"text":877,"type":116,"marks":878},"Combustible",[879],{"type":303},{"text":881,"type":116},": la tarjeta de combustible para empresas o tarjeta de gasolina para empresas es especialmente útil para equipos comerciales con vehículo de empresa, flotas de vehículos y empresas de logística o transporte",{"type":846,"content":883},[884],{"type":110,"attrs":885,"content":887},{"textAlign":25,"key":886},"p-61",[888,892],{"text":889,"type":116,"marks":890},"Suscripciones SaaS",[891],{"type":303},{"text":893,"type":116},": software de productividad, herramientas de marketing, plataformas de colaboración, servicios cloud",{"type":846,"content":895},[896],{"type":110,"attrs":897,"content":899},{"textAlign":25,"key":898},"p-62",[900,904],{"text":901,"type":116,"marks":902},"Material de oficina",[903],{"type":303},{"text":905,"type":116},": consumibles, mobiliario, equipos informáticos, material de papelería",{"type":846,"content":907},[908],{"type":110,"attrs":909,"content":911},{"textAlign":25,"key":910},"p-63",[912,916],{"text":913,"type":116,"marks":914},"Comidas de negocio",[915],{"type":303},{"text":917,"type":116},": almuerzos con clientes, cenas de equipo, catering para reuniones (dentro de los límites legales de representación)",{"type":846,"content":919},[920],{"type":110,"attrs":921,"content":923},{"textAlign":25,"key":922},"p-64",[924,928],{"text":925,"type":116,"marks":926},"Formación",[927],{"type":303},{"text":929,"type":116},": cursos, conferencias, libros profesionales, certificaciones",{"type":283,"attrs":931,"content":932},{"level":285,"textAlign":25},[933],{"text":934,"type":116},"Deducibilidad del IVA en gastos con tarjeta",{"type":110,"attrs":936,"content":938},{"textAlign":25,"key":937},"p-65",[939,941,947],{"text":940,"type":116},"Para que un gasto con tarjeta de empresa sea deducible a efectos del IVA (artículos 92-97 de la Ley del IVA), debe cumplir tres condiciones obligatorias según los ",{"text":942,"type":116,"marks":943},"requisitos de la AEAT para gastos deducibles",[944],{"type":218,"attrs":945},{"href":946,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/irpf-2025/c07-rendimientos-actividades-economicas-estimacion-directa/fase-1-determinacion-rendimiento-neto/gastos-fiscalmente-deducibles/requisitos-considerar-gasto-deducible.html",{"text":948,"type":116},":",{"type":950,"attrs":951,"content":953},"ordered_list",{"order":388,"key":952},"ol-0",[954,966,978],{"type":846,"content":955},[956],{"type":110,"attrs":957,"content":959},{"textAlign":25,"key":958},"p-66",[960,964],{"text":961,"type":116,"marks":962},"Relación directa con la actividad empresarial",[963],{"type":303},{"text":965,"type":116},": el gasto debe ser necesario para generar ingresos gravados. Los gastos personales o mixtos no son deducibles.",{"type":846,"content":967},[968],{"type":110,"attrs":969,"content":971},{"textAlign":25,"key":970},"p-67",[972,976],{"text":973,"type":116,"marks":974},"Factura completa con todos los datos fiscales",[975],{"type":303},{"text":977,"type":116},": no vale un ticket simplificado para gastos superiores a 400 euros. Necesitas factura con NIF del emisor, descripción del servicio, base imponible, tipo de IVA y cuota. Para importes menores, el ticket simplificado es válido, pero la factura completa siempre es preferible.",{"type":846,"content":979},[980],{"type":110,"attrs":981,"content":983},{"textAlign":25,"key":982},"p-68",[984,988,990,996],{"text":985,"type":116,"marks":986},"Registro contable correcto",[987],{"type":303},{"text":989,"type":116},": el gasto debe estar asentado en la contabilidad de la empresa y declarado en el ",{"text":991,"type":116,"marks":992},"Modelo 303",[993],{"type":218,"attrs":994},{"href":995,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/iva/modelo-303-iva-autoliquidacion_/instrucciones.html",{"text":997,"type":116}," trimestral correspondiente.",{"type":283,"attrs":999,"content":1000},{"level":285,"textAlign":25},[1001],{"text":1002,"type":116},"Gastos que NO deberías cargar a una tarjeta de empresa",{"type":843,"content":1004},[1005,1013,1021,1029,1037],{"type":846,"content":1006},[1007],{"type":110,"attrs":1008,"content":1010},{"textAlign":25,"key":1009},"p-69",[1011],{"text":1012,"type":116},"Compras personales de cualquier tipo, aunque se «devuelva» el importe después",{"type":846,"content":1014},[1015],{"type":110,"attrs":1016,"content":1018},{"textAlign":25,"key":1017},"p-70",[1019],{"text":1020,"type":116},"Entretenimiento que exceda los límites legales de representación (comidas superiores a ciertos importes sin justificación comercial)",{"type":846,"content":1022},[1023],{"type":110,"attrs":1024,"content":1026},{"textAlign":25,"key":1025},"p-71",[1027],{"text":1028,"type":116},"Retiradas de efectivo (alto riesgo de auditoría, difícil trazabilidad y comisiones elevadas)",{"type":846,"content":1030},[1031],{"type":110,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-72",[1035],{"text":1036,"type":116},"Gastos sin documentación justificativa (factura o ticket)",{"type":846,"content":1038},[1039],{"type":110,"attrs":1040,"content":1042},{"textAlign":25,"key":1041},"p-73",[1043],{"text":1044,"type":116},"Regalos a clientes por encima de los límites deducibles establecidos por la AEAT",{"type":110,"attrs":1046,"content":1048},{"textAlign":25,"key":1047},"p-74",[1049],{"text":1050,"type":116},"Las plataformas de gestión del gasto más avanzadas permiten bloquear categorías de comercio a nivel de tarjeta. Esto significa que puedes impedir gastos no autorizados antes de que ocurran, no después. Si configuras la tarjeta para rechazar transacciones en cajeros automáticos, el empleado simplemente no podrá sacar efectivo. Es control preventivo, no reactivo.",{"type":283,"attrs":1052,"content":1053},{"level":687,"textAlign":25},[1054],{"text":1055,"type":116},"¿Cómo establecer controles de gasto en tarjetas de empresa?",{"type":110,"attrs":1057,"content":1058},{"textAlign":25,"key":112},[1059],{"text":1060,"type":116},"El verdadero valor de una tarjeta de empresa para empleados no está en el plástico ni en el número de 16 dígitos: está en los controles que puedes configurar para gobernar el gasto antes de que ocurra. Estos son los mecanismos de control más efectivos:",{"type":283,"attrs":1062,"content":1063},{"level":285,"textAlign":25},[1064],{"text":1065,"type":116},"Límites por empleado",{"type":110,"attrs":1067,"content":1068},{"textAlign":25,"key":239},[1069],{"text":1070,"type":116},"Configura un techo de gasto mensual o por transacción para cada titular de tarjeta. Un comercial junior que viaja ocasionalmente no necesita el mismo límite que un director de área que gestiona eventos con clientes. Los límites individualizados evitan sorpresas en el cierre y permiten ajustar la capacidad de gasto al rol de cada persona.",{"type":110,"attrs":1072,"content":1073},{"textAlign":25,"key":270},[1074],{"text":1075,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable, y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1077,"content":1078},{"level":285,"textAlign":25},[1079],{"text":1080,"type":116},"Restricciones por categoría de comercio",{"type":110,"attrs":1082,"content":1083},{"textAlign":25,"key":291},[1084],{"text":1070,"type":116},{"type":110,"attrs":1086,"content":1087},{"textAlign":25,"key":297},[1088],{"text":1089,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1091,"content":1092},{"level":285,"textAlign":25},[1093],{"text":1094,"type":116},"Flujos de aprobación",{"type":110,"attrs":1096,"content":1097},{"textAlign":25,"key":308},[1098],{"text":1099,"type":116},"Configura aprobaciones previas para compras que superen un umbral. Por ejemplo: cualquier gasto superior a 500 euros requiere aprobación del responsable de área antes de que se autorice la transacción. Esto añade una capa de control sin paralizar las operaciones del día a día.",{"type":110,"attrs":1101,"content":1102},{"textAlign":25,"key":323},[1103],{"text":1104,"type":116},"Los flujos de aprobación también funcionan para compras fuera del horario habitual o en categorías sensibles.",{"type":283,"attrs":1106,"content":1107},{"level":285,"textAlign":25},[1108],{"text":1109,"type":116},"Alertas en tiempo real",{"type":110,"attrs":1111,"content":1112},{"textAlign":25,"key":329},[1113],{"text":1114,"type":116},"Tu equipo de finanzas debería recibir una notificación cada vez que se produce una transacción. La visibilidad en tiempo real elimina las sorpresas al final del mes y permite detectar anomalías inmediatamente.",{"type":110,"attrs":1116,"content":1117},{"textAlign":25,"key":338},[1118],{"text":1119,"type":116},"Las alertas configurables por importe o categoría permiten monitorizar solo lo relevante: gastos que superen un umbral o transacciones en categorías sensibles.",{"type":283,"attrs":1121,"content":1122},{"level":285,"textAlign":25},[1123],{"text":1124,"type":116},"Cumplimiento de recibos con bloqueo automático",{"type":110,"attrs":1126,"content":1127},{"textAlign":25,"key":352},[1128],{"text":1129,"type":116},"La función más efectiva para el cierre contable: si el empleado no sube el recibo en un plazo determinado (normalmente 48-72 horas), la tarjeta se bloquea automáticamente hasta que cumpla con la documentación pendiente.",{"type":110,"attrs":1131,"content":1132},{"textAlign":25,"key":358},[1133],{"text":1134,"type":116},"Según datos de Spendesk, la funcionalidad «Play by the Rules» consigue que el 97-98% de los recibos se entreguen a tiempo. Compara eso con la media del sector, donde las empresas recuperan apenas el 60-70% de los recibos, y entenderás por qué esto transforma el cierre mensual.",{"type":283,"attrs":1136,"content":1137},{"level":687,"textAlign":25},[1138],{"text":1139,"type":116},"¿Qué errores comunes cometen las empresas con sus tarjetas?",{"type":110,"attrs":1141,"content":1142},{"textAlign":25,"key":367},[1143],{"text":1144,"type":116},"Después de trabajar con cientos de equipos financieros en toda Europa, estos son los cinco errores que vemos repetirse una y otra vez:",{"type":283,"attrs":1146,"content":1147},{"level":285,"textAlign":25},[1148],{"text":1149,"type":116},"Error 1: usar una única tarjeta de crédito compartida",{"type":110,"attrs":1151,"content":1152},{"textAlign":25,"key":392},[1153,1155,1161],{"text":1154,"type":116},"Una tarjeta que pasa de mano en mano entre empleados es una pesadilla de trazabilidad. No sabes quién ha gastado qué, los recibos se pierden entre varios titulares y el riesgo de fraude interno se multiplica. Cada empleado que gasta debería tener su propia tarjeta con límites individuales y responsabilidad personal sobre sus transacciones. La alternativa a las ",{"text":1156,"type":116,"marks":1157},"hojas de gastos",[1158],{"type":218,"attrs":1159},{"href":1160,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":1162,"type":116}," manuales es un sistema donde cada gasto queda registrado automáticamente.",{"type":283,"attrs":1164,"content":1165},{"level":285,"textAlign":25},[1166],{"text":1167,"type":116},"Error 2: no establecer límites por empleado",{"type":110,"attrs":1169,"content":1170},{"textAlign":25,"key":401},[1171],{"text":1172,"type":116},"Sin topes de gasto individualizados, los presupuestos se descontrolan. Un empleado con buenas intenciones puede aprobar una compra urgente que desequilibra las cuentas del mes. Los límites no son una señal de desconfianza hacia tu equipo: son gobernanza financiera básica que protege tanto a la empresa como al empleado.",{"type":283,"attrs":1174,"content":1175},{"level":285,"textAlign":25},[1176],{"text":1177,"type":116},"Error 3: ignorar el cumplimiento de recibos",{"type":110,"attrs":1179,"content":1180},{"textAlign":25,"key":410},[1181],{"text":1182,"type":116},"Cada recibo que falta es IVA no deducible y un potencial problema con la AEAT en caso de inspección. Las empresas que no tienen un proceso estructurado de cumplimiento de recibos pierden una media del 5% al 10% en deducciones fiscales legítimas. Con tipos de IVA del 21%, eso es dinero real que estás dejando sobre la mesa.",{"type":283,"attrs":1184,"content":1185},{"level":285,"textAlign":25},[1186],{"text":1187,"type":116},"Error 4: elegir una tarjeta sin integración contable",{"type":110,"attrs":1189,"content":1190},{"textAlign":25,"key":419},[1191,1193,1199],{"text":1192,"type":116},"Si tu tarjeta no se sincroniza automáticamente con tu software contable, duplicas el trabajo de conciliación. Eso son horas de tu equipo cada mes que podrían dedicarse a análisis financiero, previsiones de tesorería o negociación con proveedores. Una correcta gestión de las ",{"text":1194,"type":116,"marks":1195},"cuentas de gastos",[1196],{"type":218,"attrs":1197},{"href":1198,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-de-gastos/",{"text":1200,"type":116}," depende de que los datos fluyan automáticamente de la tarjeta al software contable.",{"type":283,"attrs":1202,"content":1203},{"level":285,"textAlign":25},[1204],{"text":1205,"type":116},"Error 5: no desactivar tarjetas cuando los empleados se van",{"type":110,"attrs":1207,"content":1208},{"textAlign":25,"key":431},[1209],{"text":1210,"type":116},"Cada tarjeta activa de un ex-empleado es un riesgo de seguridad. Las plataformas modernas permiten desactivar tarjetas con un clic, en tiempo real. La banca tradicional puede tardar días en procesar una baja.",{"type":283,"attrs":1212,"content":1213},{"level":687,"textAlign":25},[1214],{"text":1215,"type":116},"Resumen: cómo encontrar la tarjeta de empresa adecuada",{"type":110,"attrs":1217,"content":1218},{"textAlign":25,"key":440},[1219],{"text":1220,"type":116,"marks":1221},"Puntos clave:",[1222],{"type":303},{"type":843,"content":1224},[1225,1232,1239,1246,1253],{"type":846,"content":1226},[1227],{"type":110,"attrs":1228,"content":1229},{"textAlign":25,"key":449},[1230],{"text":1231,"type":116},"El modelo prepago ofrece el mayor control sobre el gasto: los empleados solo gastan lo que has aprobado y cargado previamente en su tarjeta.",{"type":846,"content":1233},[1234],{"type":110,"attrs":1235,"content":1236},{"textAlign":25,"key":457},[1237],{"text":1238,"type":116},"Evalúa proveedores por controles de gasto, integración contable, automatización de recibos y coste total de propiedad, no solo por la cuota mensual visible.",{"type":846,"content":1240},[1241],{"type":110,"attrs":1242,"content":1243},{"textAlign":25,"key":468},[1244],{"text":1245,"type":116},"Configura límites individuales, restricciones por categoría y flujos de aprobación desde el primer día de implantación.",{"type":846,"content":1247},[1248],{"type":110,"attrs":1249,"content":1250},{"textAlign":25,"key":477},[1251],{"text":1252,"type":116},"El cumplimiento de recibos automatizado puede alcanzar tasas del 97-98% con la tecnología adecuada, según datos de Spendesk.",{"type":846,"content":1254},[1255],{"type":110,"attrs":1256,"content":1257},{"textAlign":25,"key":486},[1258],{"text":1259,"type":116},"Una tarjeta de empresa no es solo un medio de pago: es un sistema de control del gasto que debería simplificar tu cierre mensual, no complicarlo.",{"type":110,"attrs":1261,"content":1262},{"textAlign":25,"key":495},[1263,1265,1271],{"text":1264,"type":116},"La tarjeta de empresa adecuada para tu equipo no es necesariamente la más barata ni la que ofrece más cashback. Es la que te da visibilidad en tiempo real sobre cada transacción, elimina el trabajo manual de conciliación y garantiza que cada gasto esté correctamente documentado antes de que llegue la auditoría. Descubre cómo funcionan ",{"text":1266,"type":116,"marks":1267},"tarjetas inteligentes de Spendesk",[1268],{"type":218,"attrs":1269},{"href":1270,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/platform/smart-company-cards/",{"text":1272,"type":116}," para empresas que necesitan un control real del gasto.",{"type":110,"attrs":1274,"content":1275},{"textAlign":25,"key":506},[1276],{"text":1277,"type":116},"El siguiente paso: evalúa los proveedores según los criterios de esta guía y solicita una demo de las plataformas que cumplan tus requisitos técnicos y operativos.",{"type":244,"attrs":1279},{"id":1280,"body":1281},"3aa00f69-ece0-4197-9883-9e05e28aca06",[1282],{"_uid":1283,"link":1284,"image":1290,"component":266,"mobileImage":1296},"i-7a17ee7d-a426-497a-ba62-484148db3fa5",[1285],{"tag":90,"_uid":1286,"hide":28,"icon":1287,"link":1289,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1c639cb8-241e-453b-8c52-6c95fd8681a8",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1288},{},{"id":90,"url":256,"linktype":98,"fieldtype":99,"cached_url":256},[1291],{"_uid":1292,"type":90,"asset":1293,"caption":90,"overlay":1295,"component":265},"23deadf9-f3ad-4724-97bd-2022b8308b72",{"id":261,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":262,"copyright":90,"fieldtype":95,"meta_data":1294,"is_external_url":28},{},[],[],{"type":283,"attrs":1298,"content":1299},{"level":687,"textAlign":25},[1300],{"text":1301,"type":116},"Preguntas frecuentes",{"type":110,"attrs":1303,"content":1304},{"textAlign":25,"key":515},[1305],{"type":225},{"type":110,"attrs":1307,"content":1308},{"textAlign":25,"key":523},[1309,1310],{"type":225},{"text":1311,"type":116},"¿Cuál es la diferencia entre tarjeta de crédito y prepago para empresas?",{"type":110,"attrs":1313,"content":1314},{"textAlign":25,"key":532},[1315],{"text":1316,"type":116},"La tarjeta de crédito para empresas funciona con una línea de crédito que se liquida mensualmente, con intereses si aplazas el pago. La tarjeta prepago se carga con un saldo específico antes de su uso. El modelo prepago ofrece mayor control porque el empleado solo puede gastar lo aprobado previamente, con límites de hasta 200.000 euros por transacción en algunas plataformas.",{"type":283,"attrs":1318,"content":1319},{"level":285,"textAlign":25},[1320],{"text":1321,"type":116},"¿Puedo usar una tarjeta de empresa para gasolina o combustible?",{"type":110,"attrs":1323,"content":1324},{"textAlign":25,"key":543},[1325],{"text":1326,"type":116},"Sí. El combustible es un gasto deducible para empresas con actividad que lo justifique (equipos comerciales, flotas, logística). La tarjeta de combustible para empresas es especialmente útil porque puedes restringirla exclusivamente a gasolineras. Conserva siempre la factura completa para la deducción del IVA en el Modelo 303.",{"type":283,"attrs":1328,"content":1329},{"level":285,"textAlign":25},[1330],{"text":1331,"type":116},"¿Qué requisitos piden para obtener una tarjeta de empresa?",{"type":110,"attrs":1333,"content":1334},{"textAlign":25,"key":552},[1335],{"text":1336,"type":116},"Depende del proveedor. Los bancos tradicionales requieren análisis de solvencia, documentación financiera (balances, cuentas anuales) y un proceso de aprobación de 2 a 4 semanas. Las plataformas de tarjetas prepago suelen tener requisitos más ágiles: alta en 24-48 horas sin necesidad de aval ni historial crediticio previo.",{"type":283,"attrs":1338,"content":1339},{"level":285,"textAlign":25},[1340],{"text":1341,"type":116},"¿Las tarjetas de empresa tienen cashback?",{"type":110,"attrs":1343,"content":1344},{"textAlign":25,"key":561},[1345],{"text":1346,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Para una empresa que mueve 200.000 euros anuales en tarjetas, eso supone entre 1.000 y 2.000 euros de ahorro directo. Revisa las condiciones: algunos programas excluyen categorías o tienen topes máximos de devolución anual.",{"type":283,"attrs":1348,"content":1349},{"level":285,"textAlign":25},[1350],{"text":1351,"type":116},"¿Cómo afecta el IVA a los gastos con tarjeta de empresa?",{"type":110,"attrs":1353,"content":1354},{"textAlign":25,"key":570},[1355,1357,1362],{"text":1356,"type":116},"El IVA de los gastos con tarjeta de empresa es deducible si el gasto está relacionado con la actividad empresarial, dispones de factura completa (no ticket simplificado para importes superiores a 400 euros) y lo registras correctamente en tu contabilidad para el ",{"text":991,"type":116,"marks":1358},[1359],{"type":218,"attrs":1360},{"href":1361,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.wolterskluwer.com/es-es/expert-insights/modelo-303-del-iva-que-es",{"text":1363,"type":116},". Los gastos sin documentación justificativa no son deducibles y pueden generar sanciones de la AEAT en caso de inspección.",{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":1370,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":1379,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":1383,"default_full_slug":1384,"translated_slugs":1385,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1371,"icon":1372,"name":1365,"component":1376},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"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",[1386,1387,1388],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[1391],{"_uid":1392,"type":90,"asset":1393,"caption":90,"overlay":1397,"component":265},"451ae820-c31f-425a-8b43-8bba285a4d6f",{"id":1394,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1395,"copyright":90,"fieldtype":95,"meta_data":1396,"is_external_url":28},168574011002053,"https://a.storyblok.com/f/146026/1376x768/b29c3c8d91/invoice-data-extraction.png",{},[],[],"2026-04-22 00:00",[1401],{"_uid":1402,"type":90,"asset":1403,"caption":90,"overlay":1407,"component":265},"738c7c89-88ba-4be9-9273-80a88c7d67aa",{"id":1404,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1405,"copyright":90,"fieldtype":95,"meta_data":1406,"is_external_url":28},168581980950531,"https://a.storyblok.com/f/146026/1376x768/652f608b15/company-card-policy.png",{},[],"Descubre los tipos de tarjetas de empresa en España (prepago, crédito, débito), cómo elegir la mejor para tu equipo, configurar controles de gasto y cumplir con el IVA.",[1410],{"cta":1411,"_uid":1418,"image":1419,"title":1421,"subtitle":90,"component":1434},[1412],{"tag":90,"_uid":1413,"hide":28,"icon":1414,"link":1416,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"e68219a7-67a2-44aa-9890-f9139a1a4981",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1415},{},{"id":90,"url":1417,"linktype":98,"fieldtype":99,"cached_url":1417},"https://www.spendesk.com/es/schedule-a-demo/","885126d4-83e1-4d60-9f72-dae11ff77966",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1420},{},{"type":107,"content":1422},[1423],{"type":110,"attrs":1424,"content":1425},{"textAlign":25,"key":112},[1426,1430,1431,1432],{"text":1427,"type":116,"marks":1428},"¿Listo para optimizar la gestión de gastos?",[1429],{"type":303},{"type":225},{"type":225},{"text":1433,"type":116},"Descubre cómo Spendesk puede ayudarte a centralizar los pagos, simplificar procesos y tener más control sobre el gasto en toda tu organización. 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2926,2927],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2929],{"cta":2930,"_uid":2931,"items":2932,"heading":3045,"reverse":28,"component":3066,"sectionSettings":3067},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2933,2988],{"_uid":2934,"title":2935,"component":2936,"description":2937},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":107,"content":2938},[2939,2944,2968,2973,2978,2983],{"type":110,"attrs":2940,"content":2941},{"textAlign":25},[2942],{"text":2943,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":950,"attrs":2945,"content":2946},{"order":388},[2947,2954,2961],{"type":846,"content":2948},[2949],{"type":110,"attrs":2950,"content":2951},{"textAlign":25},[2952],{"text":2953,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":846,"content":2955},[2956],{"type":110,"attrs":2957,"content":2958},{"textAlign":25},[2959],{"text":2960,"type":116},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":846,"content":2962},[2963],{"type":110,"attrs":2964,"content":2965},{"textAlign":25},[2966],{"text":2967,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2969,"content":2970},{"textAlign":25},[2971],{"text":2972,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. 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Holded puede conectarse mediante su API, actualmente en la versión 2, o a través de un conector de su ecosistema de socios. De este modo, los gastos aprobados llegan precodificados, sin necesidad de volver a introducirlos manualmente.",{"_uid":3401,"title":3402,"component":2936,"description":3403},"c3d31da7-38a3-41a7-8fa4-daaa83793640","¿Cómo se conecta Sage con un software de control de gastos?",{"type":107,"content":3404},[3405],{"type":110,"attrs":3406,"content":3407},{"textAlign":25},[3408],{"text":3409,"type":116},"Mediante un fichero de exportación configurable y adaptado a tu plan de cuentas. Este sistema funciona con Sage 50 y Sage 200, y también resulta útil para las gestorías que trabajan con A3.",{"_uid":3411,"title":3412,"component":2936,"description":3413},"6ba025d6-b2b7-424b-bae6-7279127d7a94","¿Se puede integrar Sage Intacct con otras herramientas, como un CRM o una tarjeta corporativa?",{"type":107,"content":3414},[3415],{"type":110,"attrs":3416,"content":3417},{"textAlign":25},[3418],{"text":3419,"type":116},"Sí. Normalmente se utiliza una API o una exportación multi-entidad. La consolidación de varias sociedades se resuelve mediante un fichero por entidad, en lugar de una única conexión monolítica.",{"_uid":3421,"title":3422,"component":2936,"description":3423},"02f1456e-bb9e-4268-b0fa-56aa731397d6","¿La API de Holded tiene límites de llamadas?",{"type":107,"content":3424},[3425],{"type":110,"attrs":3426,"content":3427},{"textAlign":25},[3428,3430,3436],{"text":3429,"type":116},"Sí. La versión 2 aplica",{"text":3431,"type":116,"marks":3432}," límites por ventana deslizante",[3433],{"type":218,"attrs":3434},{"href":3435,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.holded.com/es/desarrolladores/limite-de-tasa",{"text":3437,"type":116},". Si superas el ritmo permitido, recibirás un error 429, por lo que conviene realizar reintentos con esperas progresivas.",{"_uid":3439,"title":3440,"component":2936,"description":3441},"000b5040-ab96-4c0a-a944-d081cd0cc0b2","¿Qué ocurre si falla la exportación al ERP?",{"type":107,"content":3442},[3443],{"type":110,"attrs":3444,"content":3445},{"textAlign":25},[3446],{"text":3447,"type":116},"Una buena integración te avisa en el momento, en lugar de fallar silenciosamente. Así puedes corregir el asiento antes del cierre y antes de que afecte a plazos como los cuatro días del SII. ## Da el siguiente paso Si quieres ver este flujo con tus propios datos maestros y tu plan de cuentas, reserva una demostración y comprueba la exportación precodificada de principio a fin.",[3449],{"cta":3450,"_uid":3451,"title":3452,"eyebrow":3458,"subtitle":3463,"component":283,"textAlign":90,"flexibleSection":3468,"sectionSettings":3469,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"4643b5c1-3a42-4165-a371-59200a705d1f",{"type":107,"content":3453},[3454],{"type":283,"attrs":3455,"content":3456},{"level":687,"textAlign":25},[3457],{"text":1301,"type":116},{"type":107,"content":3459},[3460],{"type":110,"attrs":3461,"content":3462},{"textAlign":25},[],{"type":107,"content":3464},[3465],{"type":110,"attrs":3466,"content":3467},{"textAlign":25},[],[],[],"integrar-spendesk-holded-sage-a3","es/blog/integrar-spendesk-holded-sage-a3",-2370,[],"5f555d0f-d052-4621-9b52-bc162efc8856",[],"blog/integrar-spendesk-holded-sage-a3",[3478,3479,3480],{"path":3476,"name":25,"lang":37,"published":25},{"path":3476,"name":25,"lang":39,"published":25},{"path":3476,"name":25,"lang":32,"published":25},{"name":3482,"created_at":3483,"published_at":3484,"updated_at":3485,"id":3486,"uuid":3487,"content":3488,"slug":3599,"full_slug":3600,"sort_by_date":25,"position":3601,"tag_list":3602,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3603,"first_published_at":3484,"release_id":25,"lang":32,"path":25,"alternates":3604,"default_full_slug":3605,"translated_slugs":3606},"Modelo 210 para no residentes: retenciones a proveedores 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210 para no residentes: retenciones a proveedores ext","12",[],"Guía del modelo 210 no residentes para empresas: cuándo retener el IRNR a proveedores extranjeros, qué tipo aplicar y cómo presentar el Modelo 216.",[],[3524],{"_uid":3525,"items":3526,"heading":3577,"component":3066},"e4d4f9d5-a9ef-40c2-8cb2-c7d30c393ece",[3527,3537,3547,3557,3567],{"_uid":3528,"title":3529,"component":2936,"description":3530},"74690b0e-08fb-4290-ae92-9bd4075dc028","¿Qué documentos necesita una empresa para retener e ingresar el IRNR a un proveedor no residente?",{"type":107,"content":3531},[3532],{"type":110,"attrs":3533,"content":3534},{"textAlign":25},[3535],{"text":3536,"type":116},"Reúne el contrato o pedido, la factura del proveedor, el certificado de residencia fiscal, la documentación del CDI aplicable, el cálculo de la retención y el justificante del ingreso. Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":3538,"title":3539,"component":2936,"description":3540},"b686385c-d192-4852-9fc5-7af23a4a9b4d","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":107,"content":3541},[3542],{"type":110,"attrs":3543,"content":3544},{"textAlign":25},[3545],{"text":3546,"type":116},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":3548,"title":3549,"component":2936,"description":3550},"f47c0192-b1ce-4d56-93e9-b5ccdfa4ef96","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":107,"content":3551},[3552],{"type":110,"attrs":3553,"content":3554},{"textAlign":25},[3555],{"text":3556,"type":116},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":3558,"title":3559,"component":2936,"description":3560},"626ce63d-6ac5-40eb-8ce2-c56d0eba1368","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":107,"content":3561},[3562],{"type":110,"attrs":3563,"content":3564},{"textAlign":25},[3565],{"text":3566,"type":116},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":3568,"title":3569,"component":2936,"description":3570},"3d978fb9-e7b3-4808-88ff-699c0ba79121","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":107,"content":3571},[3572],{"type":110,"attrs":3573,"content":3574},{"textAlign":25},[3575],{"text":3576,"type":116},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega. ## Da el siguiente paso Centraliza las facturas de tus proveedores y ten preparada la documentación de cada pago para justificar cada retención ante la AEAT. Descubre cómo la gestión de facturas y cuentas por pagar de Spendesk mantiene tu proceso de IRNR bajo control. Solicita una demo.",[3578],{"cta":3579,"_uid":3580,"title":3581,"eyebrow":3587,"subtitle":3592,"component":283,"textAlign":90,"flexibleSection":3597,"sectionSettings":3598,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"f60dfec0-8c7a-4047-a140-7f9ae1d35e61",{"type":107,"content":3582},[3583],{"type":283,"attrs":3584,"content":3585},{"level":687,"textAlign":25},[3586],{"text":1301,"type":116},{"type":107,"content":3588},[3589],{"type":110,"attrs":3590,"content":3591},{"textAlign":25},[],{"type":107,"content":3593},[3594],{"type":110,"attrs":3595,"content":3596},{"textAlign":25},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2360,[],"a3f091f5-323c-4173-a95e-1977530b00e3",[],"blog/modelo-210-no-residentes",[3607,3608,3609],{"path":3605,"name":25,"lang":37,"published":25},{"path":3605,"name":25,"lang":39,"published":25},{"path":3605,"name":25,"lang":32,"published":25},{"name":3611,"created_at":3612,"published_at":3613,"updated_at":3614,"id":3615,"uuid":3616,"content":3617,"slug":3768,"full_slug":3769,"sort_by_date":25,"position":3770,"tag_list":3771,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3772,"first_published_at":3613,"release_id":25,"lang":32,"path":25,"alternates":3773,"default_full_slug":3774,"translated_slugs":3775},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-10T14:39:54.001Z","2026-08-10T14:39:54.025Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":3618,"title":3611,"topics":3619,"noIndex":28,"category":3636,"language":3645,"component":1377,"heroMedia":3646,"metaTitle":3647,"publishedAt":90,"readingTime":3382,"redirectUrl":90,"listingImage":3648,"metaDescription":3649,"bottomArticleCta":3650,"componentsAfterTheArticle":3651},"a5c44fdb-61bf-4d67-a171-62b2baecbec4",[3620,3628],{"name":1534,"created_at":3082,"published_at":16,"updated_at":3083,"id":3084,"uuid":3085,"content":3621,"slug":3087,"full_slug":3088,"sort_by_date":25,"position":142,"tag_list":3622,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3090,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3623,"default_full_slug":3092,"translated_slugs":3624,"_stopResolving":41},{"_uid":138,"name":1534,"component":22},[],[],[3625,3626,3627],{"path":3092,"name":25,"lang":37,"published":25},{"path":3092,"name":25,"lang":39,"published":25},{"path":3092,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":3629,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":3630,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3631,"default_full_slug":202,"translated_slugs":3632,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[3633,3634,3635],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3637,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3639,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3640,"default_full_slug":1384,"translated_slugs":3641,"_stopResolving":41},{"_uid":1371,"icon":3638,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3642,3643,3644],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[],"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[3652],{"_uid":3653,"items":3654,"heading":3746,"component":3066},"15367aef-6875-4699-8cf1-a97df1845252",[3655,3688,3706,3716,3726,3736],{"_uid":3656,"title":3657,"component":2936,"description":3658},"5d541e1b-8c2c-4074-8a1c-d72712c41d63","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":107,"content":3659},[3660],{"type":110,"attrs":3661,"content":3662},{"textAlign":25},[3663,3665,3671,3673,3679,3681,3687],{"text":3664,"type":116},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":3666,"type":116,"marks":3667}," Modelo 190 es su resumen anual informativo",[3668],{"type":218,"attrs":3669},{"href":3670,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":3672,"type":116},". Las retenciones de alquileres se declaran mediante el",{"text":3674,"type":116,"marks":3675}," Modelo 115",[3676],{"type":218,"attrs":3677},{"href":3678,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":3680,"type":116}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":3682,"type":116,"marks":3683}," Modelo 130",[3684],{"type":218,"attrs":3685},{"href":3686,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":771,"type":116},{"_uid":3689,"title":3690,"component":2936,"description":3691},"54c24f66-8398-45fd-8550-e6bdf876480e","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":107,"content":3692},[3693],{"type":110,"attrs":3694,"content":3695},{"textAlign":25},[3696,3698,3704],{"text":3697,"type":116},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":3699,"type":116,"marks":3700}," Modelo 111, en casillas separadas",[3701],{"type":218,"attrs":3702},{"href":3703,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":3705,"type":116},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":3707,"title":3708,"component":2936,"description":3709},"4dbaa916-c479-4c0d-b27e-82ba5aaec004","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":107,"content":3710},[3711],{"type":110,"attrs":3712,"content":3713},{"textAlign":25},[3714],{"text":3715,"type":116},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":3717,"title":3718,"component":2936,"description":3719},"add51613-1974-4f48-b3b4-2c4eb7330759","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":107,"content":3720},[3721],{"type":110,"attrs":3722,"content":3723},{"textAlign":25},[3724],{"text":3725,"type":116},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":3727,"title":3728,"component":2936,"description":3729},"6e6c7128-a4b3-4652-9340-46276fc41f1e","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":107,"content":3730},[3731],{"type":110,"attrs":3732,"content":3733},{"textAlign":25},[3734],{"text":3735,"type":116},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":3737,"title":3738,"component":2936,"description":3739},"1690dae5-8eb5-4727-bf13-b094c0f64d59","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":107,"content":3740},[3741],{"type":110,"attrs":3742,"content":3743},{"textAlign":25},[3744],{"text":3745,"type":116},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad. ## Deja lista la base de tu próximo Modelo 111 antes del cierre Reúne las facturas de proveedores y sus retenciones a medida que llegan, en lugar de reconstruir la base cuando se acerque el plazo de la AEAT. Solicita una demostración y comprueba cómo llegar a cada trimestre con el Modelo 111 ya cuadrado.",[3747],{"cta":3748,"_uid":3749,"title":3750,"eyebrow":3756,"subtitle":3761,"component":283,"textAlign":90,"flexibleSection":3766,"sectionSettings":3767,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"bf67b7e0-5e7d-4751-98b7-74152f4394e0",{"type":107,"content":3751},[3752],{"type":283,"attrs":3753,"content":3754},{"level":687,"textAlign":25},[3755],{"text":1301,"type":116},{"type":107,"content":3757},[3758],{"type":110,"attrs":3759,"content":3760},{"textAlign":25},[],{"type":107,"content":3762},[3763],{"type":110,"attrs":3764,"content":3765},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2350,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7",[],"blog/modelo-111-irpf-retenciones",[3776,3777,3778],{"path":3774,"name":25,"lang":37,"published":25},{"path":3774,"name":25,"lang":39,"published":25},{"path":3774,"name":25,"lang":32,"published":25},{"name":3780,"created_at":3781,"published_at":3782,"updated_at":3783,"id":3784,"uuid":3785,"content":3786,"slug":3914,"full_slug":3915,"sort_by_date":25,"position":3916,"tag_list":3917,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3918,"first_published_at":3919,"release_id":25,"lang":32,"path":25,"alternates":3920,"default_full_slug":3921,"translated_slugs":3922},"Precio del kilometraje 2025, dietas exentas y cálculo para empresas en España","2026-07-02T11:40:27.508Z","2026-07-15T08:16:22.960Z","2026-07-15T08:16:22.990Z",193752381532885,"7d6d4a94-1c94-4fa3-8e5d-5d30abc18fb4",{"_uid":3787,"title":3780,"topics":3788,"noIndex":28,"category":3806,"language":3815,"component":1377,"heroMedia":3816,"metaTitle":3817,"publishedAt":90,"readingTime":3818,"redirectUrl":90,"listingImage":3819,"metaDescription":3826,"bottomArticleCta":3827,"componentsAfterTheArticle":3828},"2e0f3a1f-641b-4352-92b3-422844947675",[3789],{"name":3790,"created_at":3791,"published_at":16,"updated_at":3792,"id":3793,"uuid":3794,"content":3795,"slug":3796,"full_slug":3797,"sort_by_date":25,"position":142,"tag_list":3798,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3799,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3800,"default_full_slug":3801,"translated_slugs":3802,"_stopResolving":41},"Gastos de viaje","2023-04-12T07:19:37.669Z","2026-03-12T10:47:54.379Z",290528756,"d0fe3c08-c1c8-4a15-8097-9e2f3cdba473",{"_uid":138,"name":3790,"component":22},"gastos-de-viaje","es/blog/topic/gastos-de-viaje",[],"785ebf54-2c27-4a0f-85e5-8e67afae86f2",[],"blog/topic/gastos-de-viaje",[3803,3804,3805],{"path":3801,"name":25,"lang":37,"published":25},{"path":3801,"name":25,"lang":39,"published":25},{"path":3801,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3807,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3809,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3810,"default_full_slug":1384,"translated_slugs":3811,"_stopResolving":41},{"_uid":1371,"icon":3808,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3812,3813,3814],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Precio del kilometraje 2025, dietas exentas y cálculo para e","10",[3820],{"_uid":3821,"asset":3822,"caption":90,"component":265},"1db72195-a305-432e-9416-67b9a09da2fe",{"id":3823,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3824,"copyright":90,"fieldtype":95,"meta_data":3825,"is_external_url":28},198301747693472,"https://a.storyblok.com/f/146026/2752x1536/b43eb713cf/spendesk_blog_cover_precio-kilometraje-dietas-exentas-2025.jpg",{},"En 2023, la AEAT elevó la tarifa exenta de kilometraje un 37%, de 0,19 a 0,26 €/km, tras casi dos décadas sin cambios. Pese a la actualización, muchos equipos f",[],[3829],{"_uid":3830,"items":3831,"heading":3892,"component":3066},"d3593f25-e29b-4459-8cad-be936e0e34c1",[3832,3842,3852,3862,3872,3882],{"_uid":3833,"title":3834,"component":2936,"description":3835},"098742ca-b419-4f38-b375-b843dc6eff22","¿A cuánto se paga el kilometraje en una empresa en 2025?",{"type":107,"content":3836},[3837],{"type":110,"attrs":3838,"content":3839},{"textAlign":25},[3840],{"text":3841,"type":116},"La tarifa exenta de IRPF aprobada por la AEAT es de 0,26 €/km, según la Orden HFP/792/2023. Las empresas pueden reembolsar un importe superior, pero solo esos 0,26 €/km quedan exentos de tributación.",{"_uid":3843,"title":3844,"component":2936,"description":3845},"156d3383-8311-42cd-938f-4a1171e28941","¿Qué dietas están exentas de IRPF y cuáles tributan?",{"type":107,"content":3846},[3847],{"type":110,"attrs":3848,"content":3849},{"textAlign":25},[3850],{"text":3851,"type":116},"Las dietas nacionales con pernocta hasta 53,34 €/día y sin pernocta hasta 26,67 €/día están exentas. Cualquier importe por encima de esos límites tributa como rendimiento del trabajo en la nómina del empleado.",{"_uid":3853,"title":3854,"component":2936,"description":3855},"79bd709f-f9ff-4181-a1cc-22599946d404","¿Cómo se reflejan las dietas en la nómina?",{"type":107,"content":3856},[3857],{"type":110,"attrs":3858,"content":3859},{"textAlign":25},[3860],{"text":3861,"type":116},"Los importes exentos aparecen como un concepto separado en la nómina, sin retención de IRPF ni cotización a la Seguridad Social; en el caso del kilometraje, el techo exento es de 0,26 €/km. Los importes que superan esos límites se integran en la base imponible y en la base de cotización.",{"_uid":3863,"title":3864,"component":2936,"description":3865},"62a30f2a-5293-4552-9506-4e7d6a379279","¿Las dietas cotizan a la Seguridad Social?",{"type":107,"content":3866},[3867],{"type":110,"attrs":3868,"content":3869},{"textAlign":25},[3870],{"text":3871,"type":116},"Solo la parte que excede los límites exentos (0,26 €/km para kilometraje, 53,34 €/día y 26,67 €/día para dietas) cotiza a la Seguridad Social. Los importes dentro del umbral quedan excluidos de la base de cotización.",{"_uid":3873,"title":3874,"component":2936,"description":3875},"87d5d6ce-3431-4194-9686-b6bb995d92b0","¿Es obligatorio que la empresa pague el kilometraje a los empleados?",{"type":107,"content":3876},[3877],{"type":110,"attrs":3878,"content":3879},{"textAlign":25},[3880],{"text":3881,"type":116},"No existe una obligación legal general. El reembolso depende de lo establecido en el convenio colectivo o en el contrato de trabajo. La práctica habitual en España es reembolsar a 0,26 €/km, alineándose con la tarifa exenta de la AEAT.",{"_uid":3883,"title":3884,"component":2936,"description":3885},"29aaf2fb-f7d4-4960-b6d4-3e0e82954baf","¿Cómo se calcula el importe exento de IRPF en un reembolso?",{"type":107,"content":3886},[3887],{"type":110,"attrs":3888,"content":3889},{"textAlign":25},[3890],{"text":3891,"type":116},"Para kilometraje, multiplica los kilómetros recorridos por 0,26 €/km; esa cantidad es la parte exenta y el exceso sobre ese resultado tributa como rendimiento del trabajo. Para dietas de manutención, compara el importe abonado con el techo aplicable (53,34 €/día con pernocta o 26,67 €/día sin pernocta en territorio nacional); la cantidad dentro del límite queda libre de IRPF y la diferencia, si la hay, se integra en la base imponible de la nómina.",[3893],{"cta":3894,"_uid":3895,"title":3896,"eyebrow":3902,"subtitle":3907,"component":283,"textAlign":90,"flexibleSection":3912,"sectionSettings":3913,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"691e0d11-4106-4fc9-8ed4-75ff411add41",{"type":107,"content":3897},[3898],{"type":283,"attrs":3899,"content":3900},{"level":687,"textAlign":25},[3901],{"text":1301,"type":116},{"type":107,"content":3903},[3904],{"type":110,"attrs":3905,"content":3906},{"textAlign":25},[],{"type":107,"content":3908},[3909],{"type":110,"attrs":3910,"content":3911},{"textAlign":25},[],[],[],"precio-kilometraje-dietas-exentas-2025","es/blog/precio-kilometraje-dietas-exentas-2025",-2150,[],"b26578a2-667d-4f29-9066-628d73b29515","2026-07-02T11:40:27.593Z",[],"blog/precio-kilometraje-dietas-exentas-2025",[3923,3924,3925],{"path":3921,"name":25,"lang":37,"published":25},{"path":3921,"name":25,"lang":39,"published":25},{"path":3921,"name":25,"lang":32,"published":25},{"name":3927,"created_at":3928,"published_at":3929,"updated_at":3930,"id":3931,"uuid":3932,"content":3933,"slug":4051,"full_slug":4052,"sort_by_date":25,"position":4053,"tag_list":4054,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4055,"first_published_at":4056,"release_id":25,"lang":32,"path":25,"alternates":4057,"default_full_slug":4058,"translated_slugs":4059},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-27T09:08:57.995Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":3934,"title":3927,"topics":3935,"noIndex":28,"category":3944,"language":3953,"component":1377,"heroMedia":3954,"metaTitle":3955,"publishedAt":90,"readingTime":3382,"redirectUrl":90,"listingImage":3956,"metaDescription":3963,"bottomArticleCta":3964,"componentsAfterTheArticle":3965},"76408526-eb7e-480d-9298-165ef7536a41",[3936],{"name":1534,"created_at":3082,"published_at":16,"updated_at":3083,"id":3084,"uuid":3085,"content":3937,"slug":3087,"full_slug":3088,"sort_by_date":25,"position":142,"tag_list":3938,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3090,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3939,"default_full_slug":3092,"translated_slugs":3940,"_stopResolving":41},{"_uid":138,"name":1534,"component":22},[],[],[3941,3942,3943],{"path":3092,"name":25,"lang":37,"published":25},{"path":3092,"name":25,"lang":39,"published":25},{"path":3092,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3945,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3947,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3948,"default_full_slug":1384,"translated_slugs":3949,"_stopResolving":41},{"_uid":1371,"icon":3946,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3950,3951,3952],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[3957],{"_uid":3958,"asset":3959,"caption":90,"component":265},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":3960,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3961,"copyright":90,"fieldtype":95,"meta_data":3962,"is_external_url":28},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[3966],{"_uid":3967,"items":3968,"heading":4029,"component":3066},"6221f5fe-5233-4732-a676-7ada5b311e94",[3969,3979,3989,3999,4009,4019],{"_uid":3970,"title":3971,"component":2936,"description":3972},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":107,"content":3973},[3974],{"type":110,"attrs":3975,"content":3976},{"textAlign":25},[3977],{"text":3978,"type":116},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":3980,"title":3981,"component":2936,"description":3982},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":107,"content":3983},[3984],{"type":110,"attrs":3985,"content":3986},{"textAlign":25},[3987],{"text":3988,"type":116},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":3990,"title":3991,"component":2936,"description":3992},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":107,"content":3993},[3994],{"type":110,"attrs":3995,"content":3996},{"textAlign":25},[3997],{"text":3998,"type":116},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":4000,"title":4001,"component":2936,"description":4002},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":107,"content":4003},[4004],{"type":110,"attrs":4005,"content":4006},{"textAlign":25},[4007],{"text":4008,"type":116},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. Además, el incumplimiento puede desencadenar una inspección tributaria.",{"_uid":4010,"title":4011,"component":2936,"description":4012},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":107,"content":4013},[4014],{"type":110,"attrs":4015,"content":4016},{"textAlign":25},[4017],{"text":4018,"type":116},"VeriFactu afecta a todos los obligados tributarios en territorio común, desde el autónomo con 1 empleado hasta la gran empresa. 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Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[4030],{"cta":4031,"_uid":4032,"title":4033,"eyebrow":4039,"subtitle":4044,"component":283,"textAlign":90,"flexibleSection":4049,"sectionSettings":4050,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":107,"content":4034},[4035],{"type":283,"attrs":4036,"content":4037},{"level":687,"textAlign":25},[4038],{"text":1301,"type":116},{"type":107,"content":4040},[4041],{"type":110,"attrs":4042,"content":4043},{"textAlign":25},[],{"type":107,"content":4045},[4046],{"type":110,"attrs":4047,"content":4048},{"textAlign":25},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2140,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[4060,4061,4062],{"path":4058,"name":25,"lang":37,"published":25},{"path":4058,"name":25,"lang":39,"published":25},{"path":4058,"name":25,"lang":32,"published":25},{"name":4064,"created_at":4065,"published_at":4066,"updated_at":4067,"id":4068,"uuid":4069,"content":4070,"slug":4186,"full_slug":4187,"sort_by_date":25,"position":4188,"tag_list":4189,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4190,"first_published_at":4191,"release_id":25,"lang":32,"path":25,"alternates":4192,"default_full_slug":4193,"translated_slugs":4194},"Alternativas a Holded para gestión de gastos: qué buscar en 2026","2026-07-01T14:20:09.982Z","2026-07-15T08:17:05.216Z","2026-07-15T08:17:05.251Z",193437736940511,"b3845a74-f1aa-40bd-900d-28296fc3a7ae",{"_uid":4071,"title":4064,"topics":4072,"noIndex":28,"category":4081,"language":4090,"component":1377,"heroMedia":4091,"metaTitle":4092,"publishedAt":90,"readingTime":3818,"redirectUrl":90,"listingImage":4093,"metaDescription":4100,"bottomArticleCta":4101,"componentsAfterTheArticle":4102},"1b96f687-07dd-4ae6-9085-1b7fabe7a940",[4073],{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":4074,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":4075,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4076,"default_full_slug":185,"translated_slugs":4077,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[4078,4079,4080],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4082,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4084,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4085,"default_full_slug":1384,"translated_slugs":4086,"_stopResolving":41},{"_uid":1371,"icon":4083,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4087,4088,4089],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Alternativas a Holded para gestión de gastos: qué buscar en ",[4094],{"_uid":4095,"asset":4096,"caption":90,"component":265},"53a3e5c0-3edd-449b-af52-12e6a4391ebe",{"id":4097,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4098,"copyright":90,"fieldtype":95,"meta_data":4099,"is_external_url":28},198300029191605,"https://a.storyblok.com/f/146026/2752x1536/4251e2f04e/spendesk_blog_cover_alternativas_holded.jpg",{},"_Para responsables financieros de pymes españolas (50-200 empleados) que buscan mejorar su gestión de gastos sin perder lo que funciona en Holded._",[],[4103],{"_uid":4104,"items":4105,"heading":4164,"component":3066},"c7d6f8d7-adfc-4690-a64e-f90838b3e696",[4106,4116,4126,4136,4154],{"_uid":4107,"title":4108,"component":2936,"description":4109},"9f73634e-9e7a-4713-b0fc-e1e5cad5086d","¿Puedo conectar Holded con una herramienta de gestión de gastos?",{"type":107,"content":4110},[4111],{"type":110,"attrs":4112,"content":4113},{"textAlign":25},[4114],{"text":4115,"type":116},"Sí, a través de integraciones contables con software como Sage o A3, o mediante formatos de exportación compatibles. Las plataformas dedicadas de gestión de gastos sincronizan los datos de gasto con tu contabilidad de forma automática; Spendesk, por ejemplo, lo hace para más de 200.000 usuarios en 29 países.",{"_uid":4117,"title":4118,"component":2936,"description":4119},"2f5e4923-7d9c-4ff8-b5d6-ff3702affdf4","¿Cuáles son las mejores alternativas a Holded para gestión de gastos?",{"type":107,"content":4120},[4121],{"type":110,"attrs":4122,"content":4123},{"textAlign":25},[4124],{"text":4125,"type":116},"Depende de si quieres complementar Holded o sustituirlo. Para automatizar gastos, una plataforma de gestión de gastos cubre tarjetas, aprobaciones y pre-contabilidad; las más completas se despliegan en menos de dos semanas. Para cambiar de contabilidad, ERPs como Sage u Odoo son opciones. Evalúa los cinco criterios del artículo para decidir.",{"_uid":4127,"title":4128,"component":2936,"description":4129},"52fda81c-19ff-4aea-ac98-4fc208c853d7","¿Cómo evito la doble introducción de datos entre mi tarjeta de empresa y Holded?",{"type":107,"content":4130},[4131],{"type":110,"attrs":4132,"content":4133},{"textAlign":25},[4134],{"text":4135,"type":116},"Conectando una plataforma de gestión de gastos que sincronice transacciones automáticamente con tu software contable. Con esa automatización, los datos de gastos llegan ya categorizados y conciliados, lo que puede acelerar el cierre mensual hasta cuatro veces.",{"_uid":4137,"title":4138,"component":2936,"description":4139},"d1563088-d1d3-4a76-8375-f1e4ff6dc26c","¿Qué es VERI*FACTU y cómo afecta a mi software de gastos?",{"type":107,"content":4140},[4141],{"type":110,"attrs":4142,"content":4143},{"textAlign":25},[4144,4146,4152],{"text":4145,"type":116},"VERI*FACTU es la ",{"text":4147,"type":116,"marks":4148},"normativa de la AEAT",[4149],{"type":218,"attrs":4150},{"href":4151,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/iva/sistemas-informaticos-facturacion-verifactu.html",{"text":4153,"type":116}," que exige software certificado con huella digital y código QR en cada factura. El plazo para sociedades es enero de 2027, y para autónomos julio de 2027; cualquier herramienta de gastos que elijas debe cumplir este requisito.",{"_uid":4155,"title":4156,"component":2936,"description":4157},"f38f50fa-11d3-42de-a77b-93f1cf1c2af8","¿Cuánto cuesta una alternativa a Holded para gestión de gastos?",{"type":107,"content":4158},[4159],{"type":110,"attrs":4160,"content":4161},{"textAlign":25},[4162],{"text":4163,"type":116},"El rango varía según el tamaño de empresa y las funcionalidades. Desde herramientas básicas de reclamación de gastos a partir de 5 €/usuario/mes hasta plataformas completas de gestión de gastos que se despliegan en menos de dos semanas e incluyen tarjetas, aprobaciones y pre-contabilidad para equipos de más de 50 personas.",[4165],{"cta":4166,"_uid":4167,"title":4168,"eyebrow":4174,"subtitle":4179,"component":283,"textAlign":90,"flexibleSection":4184,"sectionSettings":4185,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"714f267b-c057-4a73-b39f-9387c50f38f6",{"type":107,"content":4169},[4170],{"type":283,"attrs":4171,"content":4172},{"level":687,"textAlign":25},[4173],{"text":1301,"type":116},{"type":107,"content":4175},[4176],{"type":110,"attrs":4177,"content":4178},{"textAlign":25},[],{"type":107,"content":4180},[4181],{"type":110,"attrs":4182,"content":4183},{"textAlign":25},[],[],[],"alternativas-a-holded-gestion-gastos","es/blog/alternativas-a-holded-gestion-gastos",-2130,[],"7dfbd338-fee7-489c-95fe-daa94b07d401","2026-07-01T14:20:10.051Z",[],"blog/alternativas-a-holded-gestion-gastos",[4195,4196,4197],{"path":4193,"name":25,"lang":37,"published":25},{"path":4193,"name":25,"lang":39,"published":25},{"path":4193,"name":25,"lang":32,"published":25},{"name":4199,"created_at":4200,"published_at":4201,"updated_at":4202,"id":4203,"uuid":4204,"content":4205,"slug":4324,"full_slug":4325,"sort_by_date":25,"position":4326,"tag_list":4327,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4328,"first_published_at":4329,"release_id":25,"lang":32,"path":25,"alternates":4330,"default_full_slug":4331,"translated_slugs":4332},"Morosidad y facturación electrónica B2B: por qué Hacienda sabrá exactamente cuándo pagas a tus proveedores","2026-07-01T14:17:36.130Z","2026-07-15T12:57:19.864Z","2026-07-15T12:57:19.885Z",193437106762686,"5862f090-5c57-42b2-b06a-f2e57aa130c7",{"_uid":4206,"title":4199,"topics":4207,"noIndex":28,"category":4216,"language":4225,"component":1377,"heroMedia":4226,"metaTitle":4227,"publishedAt":4228,"readingTime":3818,"redirectUrl":90,"listingImage":4229,"metaDescription":4236,"bottomArticleCta":4237,"componentsAfterTheArticle":4238},"0d77ded5-886f-419e-9cda-bce11bcf3406",[4208],{"name":1534,"created_at":3082,"published_at":16,"updated_at":3083,"id":3084,"uuid":3085,"content":4209,"slug":3087,"full_slug":3088,"sort_by_date":25,"position":142,"tag_list":4210,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3090,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4211,"default_full_slug":3092,"translated_slugs":4212,"_stopResolving":41},{"_uid":138,"name":1534,"component":22},[],[],[4213,4214,4215],{"path":3092,"name":25,"lang":37,"published":25},{"path":3092,"name":25,"lang":39,"published":25},{"path":3092,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4217,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4219,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4220,"default_full_slug":1384,"translated_slugs":4221,"_stopResolving":41},{"_uid":1371,"icon":4218,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4222,4223,4224],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Morosidad y facturación electrónica B2B: por qué Hacienda sa","2026-07-07 00:00",[4230],{"_uid":4231,"asset":4232,"caption":90,"component":265},"3e23af93-244a-4ab2-b77f-c65d4a56a012",{"id":4233,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4234,"copyright":90,"fieldtype":95,"meta_data":4235,"is_external_url":28},198318535055133,"https://a.storyblok.com/f/146026/2752x1536/f0a0b021fd/spendesk_blog_cover_morosidad_facturacion.jpg",{},"Al cierre de cada mes, el equipo financiero necesita verificar que ninguna factura de proveedor ha superado el plazo legal de pago. En muchas empresas ese contr",[],[4239],{"_uid":4240,"items":4241,"heading":4302,"component":3066},"5261a8b7-e7f0-4221-967e-a362aed0eccd",[4242,4252,4262,4272,4282,4292],{"_uid":4243,"title":4244,"component":2936,"description":4245},"84c0caea-a890-49e3-b501-0aef6ae5076e","¿Pagar a 90 días a un proveedor es legal en España?",{"type":107,"content":4246},[4247],{"type":110,"attrs":4248,"content":4249},{"textAlign":25},[4250],{"text":4251,"type":116},"No. Desde la Ley 15/2010, el plazo máximo pactable entre empresas es de 60 días naturales desde la entrega del bien o la prestación del servicio. Cualquier cláusula contractual que fije un plazo superior es nula de pleno derecho.",{"_uid":4253,"title":4254,"component":2936,"description":4255},"0100e58d-3f5d-48cc-b744-f898112c0d59","¿Qué interés de demora se aplica por una factura pagada con retraso?",{"type":107,"content":4256},[4257],{"type":110,"attrs":4258,"content":4259},{"textAlign":25},[4260],{"text":4261,"type":116},"El tipo legal es el de la última operación principal de refinanciación del BCE más ocho puntos porcentuales. Para el primer semestre de 2026, se sitúa en el 10,15% anualizado. 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Hacienda podrá cruzar esos datos con los plazos legales de la ley de morosidad de forma automatizada y a gran escala.",{"_uid":4273,"title":4274,"component":2936,"description":4275},"ad7d547a-9516-47d9-a768-770f4a440b4f","¿Qué consecuencias tiene pagar fuera de plazo ahora que Hacienda registra la fecha de pago?",{"type":107,"content":4276},[4277],{"type":110,"attrs":4278,"content":4279},{"textAlign":25},[4280],{"text":4281,"type":116},"Con el RD 238/2026, cada pago tardío queda registrado automáticamente en la AEAT y puede cruzarse con los plazos legales de morosidad sin intervención del acreedor. Las consecuencias financieras directas, como los intereses del 10,15% anualizado y la compensación fija de 40 euros por factura, se activan desde el primer día de retraso. Si el PMP supera los 60 días, la empresa queda además excluida de subvenciones públicas superiores a 30.000 euros.",{"_uid":4283,"title":4284,"component":2936,"description":4285},"3875949b-6431-4bc9-93eb-229769d32eb0","¿Puedo perder subvenciones públicas por pagar tarde a mis proveedores?",{"type":107,"content":4286},[4287],{"type":110,"attrs":4288,"content":4289},{"textAlign":25},[4290],{"text":4291,"type":116},"Sí. La Ley 18/2022 (Crea y Crece) excluye de subvenciones superiores a 30.000 euros a las empresas cuyo periodo medio de pago supere los 60 días.",{"_uid":4293,"title":4294,"component":2936,"description":4295},"e43d25b0-426d-4d04-8c5b-9bd7a2cacb0f","¿Cuándo entra en vigor VERI*FACTU y la facturación electrónica B2B?",{"type":107,"content":4296},[4297],{"type":110,"attrs":4298,"content":4299},{"textAlign":25},[4300],{"text":4301,"type":116},"VERI*FACTU es obligatorio desde enero de 2026 para el primer grupo y julio de 2026 para todas las empresas. 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Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[4377],{"_uid":4378,"items":4379,"heading":4430,"component":3066},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[4380,4390,4400,4410,4420],{"_uid":4381,"title":4382,"component":2936,"description":4383},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":107,"content":4384},[4385],{"type":110,"attrs":4386,"content":4387},{"textAlign":25},[4388],{"text":4389,"type":116},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":4391,"title":4392,"component":2936,"description":4393},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":107,"content":4394},[4395],{"type":110,"attrs":4396,"content":4397},{"textAlign":25},[4398],{"text":4399,"type":116},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":4401,"title":4402,"component":2936,"description":4403},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":107,"content":4404},[4405],{"type":110,"attrs":4406,"content":4407},{"textAlign":25},[4408],{"text":4409,"type":116},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":4411,"title":4412,"component":2936,"description":4413},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":107,"content":4414},[4415],{"type":110,"attrs":4416,"content":4417},{"textAlign":25},[4418],{"text":4419,"type":116},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":4421,"title":4422,"component":2936,"description":4423},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":107,"content":4424},[4425],{"type":110,"attrs":4426,"content":4427},{"textAlign":25},[4428],{"text":4429,"type":116},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[4431],{"cta":4432,"_uid":4433,"title":4434,"eyebrow":4440,"subtitle":4445,"component":283,"textAlign":90,"flexibleSection":4450,"sectionSettings":4451,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":107,"content":4435},[4436],{"type":283,"attrs":4437,"content":4438},{"level":687,"textAlign":25},[4439],{"text":1301,"type":116},{"type":107,"content":4441},[4442],{"type":110,"attrs":4443,"content":4444},{"textAlign":25},[],{"type":107,"content":4446},[4447],{"type":110,"attrs":4448,"content":4449},{"textAlign":25},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2110,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[4461,4462,4463],{"path":4459,"name":25,"lang":37,"published":25},{"path":4459,"name":25,"lang":39,"published":25},{"path":4459,"name":25,"lang":32,"published":25},{"name":4465,"created_at":4466,"published_at":4467,"updated_at":4468,"id":4469,"uuid":4470,"content":4471,"slug":4580,"full_slug":4581,"sort_by_date":25,"position":4582,"tag_list":4583,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4584,"first_published_at":4585,"release_id":25,"lang":32,"path":25,"alternates":4586,"default_full_slug":4587,"translated_slugs":4588},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":4472,"title":4465,"topics":4473,"noIndex":28,"category":4482,"language":4491,"component":1377,"heroMedia":4492,"metaTitle":4493,"publishedAt":4494,"readingTime":3245,"redirectUrl":90,"listingImage":4495,"metaDescription":4502,"bottomArticleCta":4503,"componentsAfterTheArticle":4504},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[4474],{"name":1534,"created_at":3082,"published_at":16,"updated_at":3083,"id":3084,"uuid":3085,"content":4475,"slug":3087,"full_slug":3088,"sort_by_date":25,"position":142,"tag_list":4476,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3090,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4477,"default_full_slug":3092,"translated_slugs":4478,"_stopResolving":41},{"_uid":138,"name":1534,"component":22},[],[],[4479,4480,4481],{"path":3092,"name":25,"lang":37,"published":25},{"path":3092,"name":25,"lang":39,"published":25},{"path":3092,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4483,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4485,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4486,"default_full_slug":1384,"translated_slugs":4487,"_stopResolving":41},{"_uid":1371,"icon":4484,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4488,4489,4490],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[4496],{"_uid":4497,"asset":4498,"caption":90,"component":265},"71b7f715-948b-4a24-8379-000055d9922b",{"id":4499,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4500,"copyright":90,"fieldtype":95,"meta_data":4501,"is_external_url":28},198315334702164,"https://a.storyblok.com/f/146026/2752x1536/dae119ef1b/spendesk_blog_cover_control_tributario.jpg",{},"Tienes tarjetas de empresa repartidas entre varios equipos, retribuciones en especie reflejadas en nómina y un cierre fiscal que cada trimestre exige más docume",[],[4505],{"_uid":4506,"items":4507,"heading":4558,"component":3066},"392b2cba-2459-4fae-9ca3-82a370a248fc",[4508,4518,4528,4538,4548],{"_uid":4509,"title":4510,"component":2936,"description":4511},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":107,"content":4512},[4513],{"type":110,"attrs":4514,"content":4515},{"textAlign":25},[4516],{"text":4517,"type":116},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":4519,"title":4520,"component":2936,"description":4521},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":107,"content":4522},[4523],{"type":110,"attrs":4524,"content":4525},{"textAlign":25},[4526],{"text":4527,"type":116},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":4529,"title":4530,"component":2936,"description":4531},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":107,"content":4532},[4533],{"type":110,"attrs":4534,"content":4535},{"textAlign":25},[4536],{"text":4537,"type":116},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":4539,"title":4540,"component":2936,"description":4541},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":107,"content":4542},[4543],{"type":110,"attrs":4544,"content":4545},{"textAlign":25},[4546],{"text":4547,"type":116},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":4549,"title":4550,"component":2936,"description":4551},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":107,"content":4552},[4553],{"type":110,"attrs":4554,"content":4555},{"textAlign":25},[4556],{"text":4557,"type":116},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[4559],{"cta":4560,"_uid":4561,"title":4562,"eyebrow":4568,"subtitle":4573,"component":283,"textAlign":90,"flexibleSection":4578,"sectionSettings":4579,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":107,"content":4563},[4564],{"type":283,"attrs":4565,"content":4566},{"level":687,"textAlign":25},[4567],{"text":1301,"type":116},{"type":107,"content":4569},[4570],{"type":110,"attrs":4571,"content":4572},{"textAlign":25},[],{"type":107,"content":4574},[4575],{"type":110,"attrs":4576,"content":4577},{"textAlign":25},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2100,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[4589,4590,4591],{"path":4587,"name":25,"lang":37,"published":25},{"path":4587,"name":25,"lang":39,"published":25},{"path":4587,"name":25,"lang":32,"published":25},{"name":4593,"created_at":4594,"published_at":4595,"updated_at":4596,"id":4597,"uuid":4598,"content":4599,"slug":4732,"full_slug":4733,"sort_by_date":25,"position":4734,"tag_list":4735,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4736,"first_published_at":4737,"release_id":25,"lang":32,"path":25,"alternates":4738,"default_full_slug":4739,"translated_slugs":4740},"Dietas y gastos de desplazamiento en 2026: por qué la nueva vigilancia de Hacienda convierte los justificantes en una prioridad urgente","2026-07-01T14:10:02.971Z","2026-07-15T12:56:28.179Z","2026-07-15T12:56:28.205Z",193435250644227,"ad6c3e19-70a2-43e9-817d-032bce6f0722",{"_uid":4600,"title":4593,"topics":4601,"noIndex":28,"category":4610,"language":4619,"component":1377,"heroMedia":4620,"metaTitle":4621,"publishedAt":4622,"readingTime":3818,"redirectUrl":90,"listingImage":4623,"metaDescription":4630,"bottomArticleCta":4631,"componentsAfterTheArticle":4632},"790a571b-02fb-4701-85b9-9f326de10875",[4602],{"name":3790,"created_at":3791,"published_at":16,"updated_at":3792,"id":3793,"uuid":3794,"content":4603,"slug":3796,"full_slug":3797,"sort_by_date":25,"position":142,"tag_list":4604,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3799,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4605,"default_full_slug":3801,"translated_slugs":4606,"_stopResolving":41},{"_uid":138,"name":3790,"component":22},[],[],[4607,4608,4609],{"path":3801,"name":25,"lang":37,"published":25},{"path":3801,"name":25,"lang":39,"published":25},{"path":3801,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4611,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4613,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4614,"default_full_slug":1384,"translated_slugs":4615,"_stopResolving":41},{"_uid":1371,"icon":4612,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4616,4617,4618],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Dietas y gastos de desplazamiento en 2026: por qué la nueva ","2026-07-06 00:00",[4624],{"_uid":4625,"asset":4626,"caption":90,"component":265},"84eeeb71-9e7d-490c-9f8a-3bcaf39d334c",{"id":4627,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4628,"copyright":90,"fieldtype":95,"meta_data":4629,"is_external_url":28},198317692560992,"https://a.storyblok.com/f/146026/2752x1536/5abe894130/spendesk_blog_cover_dietas_y_gastos_vigilancia_hacienda.jpg",{},"Tu empresa reembolsa dietas y kilometraje cada mes. Tus empleados viajan, presentan notas de gasto y el equipo financiero tramita los pagos antes del cierre de ",[],[4633],{"_uid":4634,"items":4635,"heading":4710,"component":3066},"50fca27f-f70c-4e70-a81b-dcc944c4da52",[4636,4646,4672,4690,4700],{"_uid":4637,"title":4638,"component":2936,"description":4639},"204f4d86-1164-4a37-98c1-39fc355bcb0f","¿Cuánto son las dietas exentas de IRPF en 2026?",{"type":107,"content":4640},[4641],{"type":110,"attrs":4642,"content":4643},{"textAlign":25},[4644],{"text":4645,"type":116},"La manutención con pernocta en España queda exenta hasta 53,34 €/día. Sin pernocta, el límite es 26,67 €/día. Para desplazamientos internacionales, las cuantías son 91,35 €/día con pernocta y 48,08 €/día sin pernocta. El kilometraje con vehículo propio está exento hasta 0,26 €/km.",{"_uid":4647,"title":4648,"component":2936,"description":4649},"bcd9de8e-bfc0-4fc6-b6ea-d024c355412b","¿Está la empresa obligada a pagar kilometraje a sus empleados?",{"type":107,"content":4650},[4651],{"type":110,"attrs":4652,"content":4653},{"textAlign":25},[4654,4656,4662,4664,4670],{"text":4655,"type":116},"No existe una obligación legal general de reembolsar el kilometraje. Sin embargo, si la empresa decide compensar el uso de vehículo privado para desplazamientos laborales, los primeros ",{"text":4657,"type":116,"marks":4658},"0,26 €/km",[4659],{"type":218,"attrs":4660},{"href":4661,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/gastos-kilometraje/",{"text":4663,"type":116}," quedan exentos de IRPF conforme a la ",{"text":4665,"type":116,"marks":4666},"Orden HFP/792/2023",[4667],{"type":218,"attrs":4668},{"href":4669,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.boe.es/buscar/doc.php?id=BOE-A-2023-16461",{"text":4671,"type":116},". Cualquier importe que supere esa cuantía tributa como rendimiento del trabajo.",{"_uid":4673,"title":4674,"component":2936,"description":4675},"ba337b78-00e9-4b8f-b5ae-d204f97af0af","¿Las dietas exentas de IRPF cotizan a la Seguridad Social?",{"type":107,"content":4676},[4677],{"type":110,"attrs":4678,"content":4679},{"textAlign":25},[4680,4682,4688],{"text":4681,"type":116},"Los gastos de desplazamiento exentos de IRPF también están excluidos de la base de cotización a la Seguridad Social, siempre que cumplan los mismos requisitos de justificación y no superen los límites establecidos en el ",{"text":4683,"type":116,"marks":4684},"art. 9 del RIRPF",[4685],{"type":218,"attrs":4686},{"href":4687,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.iberley.es/legislacion/articulo-9-reglamento-impuesto-sobre-renta-personas-fisicas-irpf",{"text":4689,"type":116},": 53,34 €/día con pernocta en España, 26,67 €/día sin pernocta y 0,26 €/km para kilometraje.",{"_uid":4691,"title":4692,"component":2936,"description":4693},"d342da86-3ecc-4ce5-9945-9cfd5ed9f5ef","¿Qué ocurre si un empleado lleva más de nueve meses desplazado en el mismo municipio?",{"type":107,"content":4694},[4695],{"type":110,"attrs":4696,"content":4697},{"textAlign":25},[4698],{"text":4699,"type":116},"A partir del décimo mes, todas las dietas de manutención reembolsadas en ese municipio pierden la exención y tributan íntegramente como rendimiento del trabajo. El contador se reinicia únicamente si el empleado cambia de municipio de destino.",{"_uid":4701,"title":4702,"component":2936,"description":4703},"6eb0a7a4-c005-4791-a52b-02e5fb87a8aa","¿Quién debe probar las dietas ante una inspección de la AEAT?",{"type":107,"content":4704},[4705],{"type":110,"attrs":4706,"content":4707},{"textAlign":25},[4708],{"text":4709,"type":116},"La carga de la prueba recae sobre la empresa. Tu equipo financiero debe aportar los justificantes de cada desplazamiento: fechas, municipio de destino, motivo profesional y, en el caso del kilometraje, los kilómetros recorridos. La documentación debe conservarse durante un mínimo de cuatro años (plazo de prescripción tributaria). Sin ella, la AEAT puede reclasificar el reembolso como rendimiento sujeto a IRPF.",[4711],{"cta":4712,"_uid":4713,"title":4714,"eyebrow":4720,"subtitle":4725,"component":283,"textAlign":90,"flexibleSection":4730,"sectionSettings":4731,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"cbdf1585-1a7d-4707-a1a9-9eb9d2d6e7b7",{"type":107,"content":4715},[4716],{"type":283,"attrs":4717,"content":4718},{"level":687,"textAlign":25},[4719],{"text":1301,"type":116},{"type":107,"content":4721},[4722],{"type":110,"attrs":4723,"content":4724},{"textAlign":25},[],{"type":107,"content":4726},[4727],{"type":110,"attrs":4728,"content":4729},{"textAlign":25},[],[],[],"dietas-gastos-desplazamiento-2026","es/blog/dietas-gastos-desplazamiento-2026",-2090,[],"cf0ea855-ad40-4c1f-af87-f473dc388a93","2026-07-01T14:10:03.044Z",[],"blog/dietas-gastos-desplazamiento-2026",[4741,4742,4743],{"path":4739,"name":25,"lang":37,"published":25},{"path":4739,"name":25,"lang":39,"published":25},{"path":4739,"name":25,"lang":32,"published":25},{"name":4745,"created_at":4746,"published_at":4747,"updated_at":4748,"id":4749,"uuid":4750,"content":4751,"slug":4870,"full_slug":4871,"sort_by_date":25,"position":4872,"tag_list":4873,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4874,"first_published_at":4875,"release_id":25,"lang":32,"path":25,"alternates":4876,"default_full_slug":4877,"translated_slugs":4878},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-07-15T12:59:16.664Z","2026-07-15T12:59:16.683Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":4752,"title":4745,"topics":4753,"noIndex":28,"category":4762,"language":4771,"component":1377,"heroMedia":4772,"metaTitle":4773,"publishedAt":4774,"readingTime":3519,"redirectUrl":90,"listingImage":4775,"metaDescription":4782,"bottomArticleCta":4783,"componentsAfterTheArticle":4784},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[4754],{"name":1534,"created_at":3082,"published_at":16,"updated_at":3083,"id":3084,"uuid":3085,"content":4755,"slug":3087,"full_slug":3088,"sort_by_date":25,"position":142,"tag_list":4756,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3090,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4757,"default_full_slug":3092,"translated_slugs":4758,"_stopResolving":41},{"_uid":138,"name":1534,"component":22},[],[],[4759,4760,4761],{"path":3092,"name":25,"lang":37,"published":25},{"path":3092,"name":25,"lang":39,"published":25},{"path":3092,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4763,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4765,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4766,"default_full_slug":1384,"translated_slugs":4767,"_stopResolving":41},{"_uid":1371,"icon":4764,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4768,4769,4770],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[4776],{"_uid":4777,"asset":4778,"caption":90,"component":265},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":4779,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":4780,"copyright":90,"fieldtype":95,"meta_data":4781,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[4785],{"_uid":4786,"items":4787,"heading":4848,"component":3066},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[4788,4798,4808,4818,4828,4838],{"_uid":4789,"title":4790,"component":2936,"description":4791},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":107,"content":4792},[4793],{"type":110,"attrs":4794,"content":4795},{"textAlign":25},[4796],{"text":4797,"type":116},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":4799,"title":4800,"component":2936,"description":4801},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":107,"content":4802},[4803],{"type":110,"attrs":4804,"content":4805},{"textAlign":25},[4806],{"text":4807,"type":116},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":4809,"title":4810,"component":2936,"description":4811},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":107,"content":4812},[4813],{"type":110,"attrs":4814,"content":4815},{"textAlign":25},[4816],{"text":4817,"type":116},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":4819,"title":4820,"component":2936,"description":4821},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":107,"content":4822},[4823],{"type":110,"attrs":4824,"content":4825},{"textAlign":25},[4826],{"text":4827,"type":116},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":4829,"title":4830,"component":2936,"description":4831},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":107,"content":4832},[4833],{"type":110,"attrs":4834,"content":4835},{"textAlign":25},[4836],{"text":4837,"type":116},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":4839,"title":4840,"component":2936,"description":4841},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":107,"content":4842},[4843],{"type":110,"attrs":4844,"content":4845},{"textAlign":25},[4846],{"text":4847,"type":116},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. 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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":4937,"title":4938,"component":2936,"description":4939},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":107,"content":4940},[4941],{"type":110,"attrs":4942,"content":4943},{"textAlign":25},[4944,4946,4952],{"text":4945,"type":116},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":4947,"type":116,"marks":4948},"objetivos financieros",[4949],{"type":218,"attrs":4950},{"href":4951,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":4953,"type":116}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":4955,"title":4956,"component":2936,"description":4957},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":107,"content":4958},[4959],{"type":110,"attrs":4960,"content":4961},{"textAlign":25},[4962],{"text":4963,"type":116},"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":4965,"title":4966,"component":2936,"description":4967},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":107,"content":4968},[4969],{"type":110,"attrs":4970,"content":4971},{"textAlign":25},[4972],{"text":4973,"type":116},"Contasol permite importar extractos bancarios y compararlos con asientos contables. 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",{"text":5113,"type":116,"marks":5114},"Solicita una demo",[5115],{"type":218,"attrs":5116},{"href":3180,"uuid":25,"anchor":25,"target":221,"linktype":98},{"text":5118,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[5120],{"cta":5121,"_uid":5122,"title":5123,"eyebrow":5129,"subtitle":5134,"component":283,"textAlign":90,"flexibleSection":5139,"sectionSettings":5140,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":5124},[5125],{"type":283,"attrs":5126,"content":5127},{"level":687,"textAlign":25},[5128],{"text":1301,"type":116},{"type":107,"content":5130},[5131],{"type":110,"attrs":5132,"content":5133},{"textAlign":25},[],{"type":107,"content":5135},[5136],{"type":110,"attrs":5137,"content":5138},{"textAlign":25},[],[],[],"automatizacion-cuentas-por-pagar","es/blog/automatizacion-cuentas-por-pagar",-1870,[],"02974883-ff5a-406b-ae71-689455771581","2026-06-10T13:00:50.663Z",[],"blog/automatizacion-cuentas-por-pagar",[5150,5151,5152],{"path":5148,"name":25,"lang":37,"published":25},{"path":5148,"name":25,"lang":39,"published":25},{"path":5148,"name":25,"lang":32,"published":25},[5154,5155,5156,5157],["Reactive",3779],["Reactive",4744],["Reactive",3481],["Reactive",3215],1786537589955]