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Incluye la recopilación de datos, la validación, la evaluación del riesgo, la aprobación, la documentación, el alta en el ERP y el mantenimiento posterior.",{"type":82,"attrs":143,"content":145},{"textAlign":27,"key":144},"p-2",[146],{"text":147,"type":88},"Cuando este proceso depende de correos electrónicos, documentos adjuntos y registros manuales, aumentan las posibilidades de duplicar fichas, introducir mal los datos bancarios o perder aprobaciones importantes. La automatización permite ordenar el circuito, aplicar controles desde el principio y reservar la revisión humana para las decisiones que realmente requieren criterio.",{"type":82,"attrs":149,"content":151},{"textAlign":27,"key":150},"p-3",[152,154,156],{"text":153,"type":88},"En este artículo verás qué partes del onboarding de proveedores puedes automatizar, qué controles conviene mantener bajo supervisión humana, quién debe responder de cada paso y cómo medir la reducción de costes y errores.",{"type":155},"hard_break",{"type":155},{"type":158,"attrs":159},"blok",{"id":160,"body":161},"23e757e9-b598-491e-a11e-a08c2a33b6e1",[162],{"_uid":163,"text":164,"color":165,"title":166,"backCtas":167,"backMedia":168,"component":169},"i-ca9a1fc7-7e3b-4bcc-b5b0-c0533cca39bf","\n- Un alta de proveedores manual genera retrabajo, duplicados y riesgo de pagar a cuentas erróneas.\n- Automatiza la entrada, la validación y los flujos de aprobación, y adapta el circuito al riesgo de cada proveedor.\n- Los cambios de IBAN necesitan un segundo canal y doble control, aunque tu banco verifique el beneficiario.\n- Define un único maestro de proveedores, bloquea duplicados por NIF y sincroniza en un solo sentido con el ERP.\n- Mide tiempo de alta, fichas completas, duplicados y coste por alta antes y después de automatizar.\n- Implanta la automatización por fases, con una línea base de indicadores, un piloto por nivel y una revisión de reglas a los tres meses.","purple","Puntos Clave",[],[],"callout",{"type":171,"attrs":172,"content":174},"heading",{"level":173,"textAlign":27},2,[175],{"text":176,"type":88},"Lo que cuesta un alta de proveedor hecha a mano",{"type":82,"attrs":178,"content":180},{"textAlign":27,"key":179},"p-4",[181],{"text":182,"type":88},"El onboarding de proveedores lleva a un proveedor desde la primera solicitud hasta su primer cobro. Incluye recopilación de datos, validación, evaluación de riesgo, aprobación, documentación, alta en el ERP y mantenimiento. No hay una cifra verificada del coste de una incorporación de proveedores manual, pero sí puedes ver dónde se genera el trabajo:",{"type":184,"content":185},"bullet_list",[186,195,203,211,219],{"type":187,"content":188},"list_item",[189],{"type":82,"attrs":190,"content":192},{"textAlign":27,"key":191},"p-5",[193],{"text":194,"type":88},"Fichas incompletas que vuelven al proveedor dos o tres veces antes del alta.",{"type":187,"content":196},[197],{"type":82,"attrs":198,"content":200},{"textAlign":27,"key":199},"p-6",[201],{"text":202,"type":88},"Duplicados en el maestro de proveedores, que facilitan pagos dobles.",{"type":187,"content":204},[205],{"type":82,"attrs":206,"content":208},{"textAlign":27,"key":207},"p-7",[209],{"text":210,"type":88},"IBAN mal tecleados, que provocan devoluciones o abren la puerta al fraude.",{"type":187,"content":212},[213],{"type":82,"attrs":214,"content":216},{"textAlign":27,"key":215},"p-8",[217],{"text":218,"type":88},"Aprobaciones perdidas en hilos de correo, sin fecha ni responsable claro.",{"type":187,"content":220},[221],{"type":82,"attrs":222,"content":224},{"textAlign":27,"key":223},"p-9",[225],{"text":226,"type":88},"Ningún rastro de auditoría sobre quién autorizó qué.",{"type":82,"attrs":228,"content":230},{"textAlign":27,"key":229},"p-10",[231],{"text":232,"type":88},"La semana del cierre, tu responsable de administración copia los datos de un PDF para pagar una factura de 4.800 €. Tres semanas después descubre que el proveedor ya figuraba en el maestro con su nombre comercial y otro IBAN. Ahora hay dos fichas, dos historiales y una duda sobre cuál de las dos cuentas es la buena.",{"type":171,"attrs":234,"content":235},{"level":173,"textAlign":27},[236],{"text":237,"type":88},"¿Cómo automatizar la evaluación y onboarding de proveedores para reducir costes?",{"type":82,"attrs":239,"content":241},{"textAlign":27,"key":240},"p-11",[242,244,251],{"text":243,"type":88},"Crea una única puerta de entrada, comprobaciones automáticas de datos, itinerarios según el riesgo y ",{"text":245,"type":88,"marks":246},"flujos de aprobación por importe y nivel",[247],{"type":248,"attrs":249},"link",{"href":250,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/matriz-de-aprobaciones/",{"text":252,"type":88},". Después, sincroniza la ficha aprobada con el ERP para que nadie vuelva a teclearla.",{"type":171,"attrs":254,"content":256},{"level":255,"textAlign":27},3,[257],{"text":258,"type":88},"Recopilación y validación automática de datos",{"type":82,"attrs":260,"content":262},{"textAlign":27,"key":261},"p-12",[263,265,271],{"text":264,"type":88},"Sustituye el correo por un formulario o un ",{"text":266,"type":88,"marks":267},"portal de proveedores",[268],{"type":248,"attrs":269},{"href":270,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/homologacion-portales-de-proveedores/",{"text":272,"type":88}," con campos obligatorios. Un onboarding digital de proveedores impide enviar una ficha sin razón social, NIF (número de identificación fiscal), IBAN o contacto de facturación.",{"type":82,"attrs":274,"content":276},{"textAlign":27,"key":275},"p-13",[277],{"text":278,"type":88},"Junto con el IBAN, pide un certificado de titularidad bancaria emitido por el banco del proveedor y guárdalo en la ficha. Si el proveedor cambia de IBAN, solicita un certificado nuevo antes de aprobar el cambio.",{"type":82,"attrs":280,"content":282},{"textAlign":27,"key":281},"p-14",[283,285,291,293,299],{"text":284,"type":88},"Para la ",{"text":286,"type":88,"marks":287},"validación de proveedores",[288],{"type":248,"attrs":289},{"href":290,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/alta-y-validacion-de-proveedores/",{"text":292,"type":88}," españoles, la AEAT (Agencia Estatal de Administración Tributaria) ofrece la \"",{"text":294,"type":88,"marks":295},"Comprobación de un NIF de terceros",[296],{"type":248,"attrs":297},{"href":298,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/ayuda/consultas-informaticas/presentacion-declaraciones-ayuda-tecnica/modelo-030/comprobacion-nif-terceros-efectos-censales.html",{"text":300,"type":88},"\" del Modelo 030. Admite consulta individual, múltiple o por fichero de hasta 20.000 registros, con identificación electrónica. Lo automatizable es preparar el fichero y guardar en la ficha el resultado, como IDENTIFICADO o NO IDENTIFICADO.",{"type":82,"attrs":302,"content":304},{"textAlign":27,"key":303},"p-15",[305,307,313],{"text":306,"type":88},"Si el proveedor es una consultora de Oporto con IVA intracomunitario, la comprobación pasa por ",{"text":308,"type":88,"marks":309},"VIES",[310],{"type":248,"attrs":311},{"href":312,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://ec.europa.eu/taxation_customs/vies/",{"text":314,"type":88}," (VAT Information Exchange System), de la Comisión Europea. Un resultado negativo exige revisión manual antes de aprobar.",{"type":171,"attrs":316,"content":317},{"level":255,"textAlign":27},[318],{"text":319,"type":88},"Evaluación de riesgos por niveles",{"type":82,"attrs":321,"content":323},{"textAlign":27,"key":322},"p-16",[324],{"text":325,"type":88},"La evaluación de proveedores debe ser proporcional al riesgo, porque un circuito único frena al negocio sin mejorar el control. Tres niveles suelen bastar:",{"type":184,"content":327},[328,344,352],{"type":187,"content":329},[330],{"type":82,"attrs":331,"content":333},{"textAlign":27,"key":332},"p-17",[334,336,342],{"text":335,"type":88},"Nivel bajo, para compras puntuales de importe reducido pagadas con ",{"text":337,"type":88,"marks":338},"tarjeta de empresa",[339],{"type":248,"attrs":340},{"href":341,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/tarjetas-corporativas/",{"text":343,"type":88},".",{"type":187,"content":345},[346],{"type":82,"attrs":347,"content":349},{"textAlign":27,"key":348},"p-18",[350],{"text":351,"type":88},"Nivel medio, para proveedores recurrentes sin acceso a tus instalaciones ni a datos sensibles.",{"type":187,"content":353},[354],{"type":82,"attrs":355,"content":357},{"textAlign":27,"key":356},"p-19",[358],{"text":359,"type":88},"Nivel crítico, para contratas y subcontratas de obras o servicios de tu propia actividad.",{"type":82,"attrs":361,"content":363},{"textAlign":27,"key":362},"p-20",[364],{"text":365,"type":88},"En determinadas contratas y subcontratas de obras o servicios correspondientes a la propia actividad pueden aplicarse responsabilidades específicas. Los requisitos dependen del tipo de relación, de la actividad contratada y de las circunstancias concretas del caso.",{"type":82,"attrs":367,"content":369},{"textAlign":27,"key":368},"p-21",[370],{"text":371,"type":88},"En materia tributaria, el certificado específico de la AEAT previsto para determinados supuestos del artículo 43.1.f de la Ley General Tributaria puede evitar la responsabilidad subsidiaria si se cumplen todas las condiciones legales. La Resolución 2/2004 establece que debe haberse emitido durante los 12 meses anteriores al pago de cada factura correspondiente a la contratación o subcontratación. ",{"type":82,"attrs":373,"content":375},{"textAlign":27,"key":374},"p-22",[376],{"text":377,"type":88},"En materia de Seguridad Social, la empresa principal debe comprobar qué certificación corresponde y quién debe solicitarla en el supuesto aplicable. En los casos previstos por el artículo 42 del Estatuto de los Trabajadores, la normativa contempla la solicitud por escrito de una certificación negativa de descubiertos ante la TGSS. Un certificado general aportado por el proveedor no sustituye necesariamente ese trámite. ",{"type":82,"attrs":379,"content":381},{"textAlign":27,"key":380},"p-23",[382],{"text":383,"type":88},"Si trabajadores de varias empresas coinciden en un mismo centro de trabajo, también puede ser necesario aplicar la coordinación de actividades empresariales (CAE) prevista en el Real Decreto 171/2004. La CAE no debería reducirse a un mero intercambio documental: debe adaptarse a los riesgos, las actividades y las medidas preventivas del centro de trabajo. ",{"type":171,"attrs":385,"content":386},{"level":255,"textAlign":27},[387],{"text":388,"type":88},"Aprobación y documentación",{"type":82,"attrs":390,"content":392},{"textAlign":27,"key":391},"p-24",[393],{"text":394,"type":88},"Las aprobaciones dependen del nivel de riesgo y del importe. Un proveedor crítico con 25.000 € de gasto anual puede requerir la firma de compras y la del DAF (director administrativo y financiero). Contrato y certificados quedan en la ficha, con un rastro de auditoría de quién aprobó y cuándo.",{"type":82,"attrs":396,"content":398},{"textAlign":27,"key":397},"p-25",[399,401,407,409,410,411],{"text":400,"type":88},"En Spendesk, las ",{"text":402,"type":88,"marks":403},"solicitudes de compra",[404],{"type":248,"attrs":405},{"href":406,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/product/procurement/",{"text":408,"type":88}," pueden dirigirse a los aprobadores correspondientes según las reglas definidas por la empresa. La plataforma puede centralizar solicitudes, contratos, documentos e información relacionada con los pagos, según los módulos contratados y la configuración de la cuenta.",{"type":155},{"type":155},{"text":412,"type":88},"Antes de presentar estas capacidades como disponibles en todos los casos, confirma el alcance concreto de la gestión documental, las trazas de auditoría y la información accesible por proveedor.",{"type":171,"attrs":414,"content":415},{"level":173,"textAlign":27},[416],{"text":417,"type":88},"Controles y responsables en cada paso",{"type":82,"attrs":419,"content":420},{"textAlign":27,"key":84},[421],{"text":422,"type":88},"Cada paso necesita un responsable distinto de quien lo ejecuta, porque la segregación de funciones sostiene el control interno. Automatizar la gestión de proveedores acelera lo repetitivo; los controles sobre la tesorería siguen siendo 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",{"text":710,"type":88,"marks":711},"INCIBE",[712],{"type":248,"attrs":713},{"href":714,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.incibe.es/empresas/blog/fraude-del-ceo-el-engano-que-puede-vaciar-la-cuenta-de-tu-pyme",{"text":716,"type":88}," (Instituto Nacional de Ciberseguridad) recomienda verificar las cuentas nuevas y los cambios de IBAN por un canal ajeno al correo. También aconseja que intervengan dos personas o dos medios de comunicación distintos.",{"type":82,"attrs":718,"content":720},{"textAlign":27,"key":719},"p-34",[721,723,729],{"text":722,"type":88},"Desde el 9 de octubre de 2025, el ",{"text":724,"type":88,"marks":725},"Reglamento (UE) 2024/886",[726],{"type":248,"attrs":727},{"href":728,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://eur-lex.europa.eu/legal-content/ES/TXT/PDF/?uri=OJ%3AL_202400886",{"text":730,"type":88},", publicado en el DOUE el 19 de marzo de 2024, obliga a los bancos de la zona euro a ofrecer la verificación del beneficiario. Ese servicio compara el nombre del titular con el IBAN antes de transferir. Confirma la titularidad, aunque deja sin resolver si el cambio es legítimo.",{"type":82,"attrs":732,"content":734},{"textAlign":27,"key":733},"p-35",[735],{"text":736,"type":88},"Dos días antes de la remesa, tu transportista escribe \"hemos cambiado de banco\" con un IBAN nuevo para una factura de 14.300 €. La ficha bloquea el cambio hasta que tesorería llama al teléfono que ya constaba y otra persona lo aprueba. Sin esa confirmación, el pago pasa a la siguiente remesa.",{"type":171,"attrs":738,"content":739},{"level":173,"textAlign":27},[740],{"text":741,"type":88},"Integración con el ERP y la contabilidad sin duplicados",{"type":82,"attrs":743,"content":745},{"textAlign":27,"key":744},"p-36",[746,748,754],{"text":747,"type":88},"Decide primero qué sistema es el maestro de proveedores y quién puede modificarlo. Una opción sencilla es que la ficha nazca en ",{"text":749,"type":88,"marks":750},"cuentas a pagar",[751],{"type":248,"attrs":752},{"href":753,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/cuentas-por-pagar/",{"text":755,"type":88}," y viaje en un solo sentido hacia el ERP. Sincroniza razón social, NIF, IBAN, condiciones de pago y cuenta contable.",{"type":82,"attrs":757,"content":759},{"textAlign":27,"key":758},"p-37",[760],{"text":761,"type":88},"Una integración ERP fiable necesita reglas de duplicados explícitas:",{"type":184,"content":763},[764,772,780,788],{"type":187,"content":765},[766],{"type":82,"attrs":767,"content":769},{"textAlign":27,"key":768},"p-38",[770],{"text":771,"type":88},"Bloquea el alta si el NIF ya existe en el maestro.",{"type":187,"content":773},[774],{"type":82,"attrs":775,"content":777},{"textAlign":27,"key":776},"p-39",[778],{"text":779,"type":88},"Avisa si el IBAN coincide con el de otro proveedor.",{"type":187,"content":781},[782],{"type":82,"attrs":783,"content":785},{"textAlign":27,"key":784},"p-40",[786],{"text":787,"type":88},"Señala nombres parecidos, como «Transportes Ruiz SL» y «Ruiz Logística», para revisión manual.",{"type":187,"content":789},[790],{"type":82,"attrs":791,"content":793},{"textAlign":27,"key":792},"p-41",[794],{"text":795,"type":88},"Fusiona duplicados conservando la ficha con más historial y desactivando la otra.",{"type":82,"attrs":797,"content":799},{"textAlign":27,"key":798},"p-42",[800,802,808],{"text":801,"type":88},"Las condiciones de pago también son un control. La ",{"text":803,"type":88,"marks":804},"Ley 3/2004",[805],{"type":248,"attrs":806},{"href":807,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/buscar/doc.php?id=BOE-A-2004-21830",{"text":809,"type":88}," establece un marco para los plazos de pago entre empresas y limita, en general, los acuerdos superiores a 60 días naturales. Configura la ficha para alertar ante plazos superiores y revisa cualquier excepción o situación particular con asesoramiento jurídico.",{"type":82,"attrs":811,"content":813},{"textAlign":27,"key":812},"p-43",[814,816,822,827],{"text":815,"type":88},"El ",{"text":817,"type":88,"marks":818},"Real Decreto 238/2026",[819],{"type":248,"attrs":820},{"href":821,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-7295",{"text":823,"type":88,"marks":824},", ",[825],{"type":826},"italic",{"text":828,"type":88},"desarrolla el sistema español de factura electrónica obligatoria entre empresarios y profesionales e incluye requisitos relacionados con la identificación del emisor y del destinatario, así como con la comunicación del estado de las facturas electrónicas.",{"type":82,"attrs":830,"content":832},{"textAlign":27,"key":831},"p-44",[833,835,841,843],{"text":834,"type":88},"Según la ",{"text":836,"type":88,"marks":837},"Orden HAC/1028/2026",[838],{"type":248,"attrs":839},{"href":840,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-20587",{"text":842,"type":88},",",{"text":844,"type":88,"marks":845}," regula la solución pública de facturación electrónica y establece el calendario de aplicación previsto en este nuevo marco. Según la norma, los plazos comienzan a computarse desde el 6 de octubre de 2026: 12 meses para las empresas que superen los 8 millones de euros de facturación anual y 24 meses para el resto, de acuerdo con el ámbito y las condiciones establecidos legalmente. ",[846],{"type":826},{"type":82,"attrs":848,"content":850},{"textAlign":27,"key":849},"p-45",[851],{"text":852,"type":88,"marks":853},"Por eso, conviene que la ficha de proveedor esté preparada para recoger los datos necesarios para la facturación electrónica, pero las fechas y obligaciones concretas deben confirmarse según el tipo de empresa, el volumen de facturación y la solución tecnológica utilizada.",[854],{"type":826},{"type":82,"attrs":856,"content":858},{"textAlign":27,"key":857},"p-46",[859],{"text":860,"type":88},"Con un maestro único y la cuenta contable asignada, tu gestoría en A3 recibe 180 facturas con cada proveedor mapeado a su cuenta 400. Sin ese mapeo, alguien revisa la exportación línea a línea.",{"type":82,"attrs":862,"content":864},{"textAlign":27,"key":863},"p-47",[865],{"text":866,"type":88},"Un portal de proveedores independiente valida al proveedor, pero deja pedidos, facturas y pagos en otras herramientas, con más sincronizaciones y puntos de duplicado. Si conectas el onboarding con pedidos, facturas y pagos, mantienes una sola ficha por proveedor. En un grupo con varias sociedades, decide si compartes la ficha o la mantienes por sociedad: IBAN, condiciones y cuenta contable pueden variar.",{"type":82,"attrs":868,"content":870},{"textAlign":27,"key":869},"p-48",[871,873,879],{"text":872,"type":88},"Spendesk indica que conecta facturas, pedidos de compra y pagos con la herramienta contable en un circuito ",{"text":874,"type":88,"marks":875},"procure to pay",[876],{"type":248,"attrs":877},{"href":878,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/software-de-compras-procure-to-pay/",{"text":880,"type":88},". Ofrece más de 50 integraciones y una API abierta, aunque la cobertura nativa depende del software y la versión. Confírmala para A3 antes de decidir.",{"type":171,"attrs":882,"content":883},{"level":173,"textAlign":27},[884],{"text":885,"type":88},"Métricas para medir la reducción de costes y errores",{"type":82,"attrs":887,"content":889},{"textAlign":27,"key":888},"p-49",[890],{"text":891,"type":88},"Para comprobar si reduces costes, mide antes de cambiar nada y repite con la misma fórmula.",{"type":424,"content":893},[894,914,934,954,974,994,1014],{"type":427,"content":895},[896,905],{"type":430,"attrs":897,"content":898},{"colspan":432,"rowspan":432,"colwidth":27},[899],{"type":82,"attrs":900,"content":902},{"textAlign":27,"key":901},"p-50",[903],{"text":904,"type":88},"Indicador",{"type":430,"attrs":906,"content":907},{"colspan":432,"rowspan":432,"colwidth":27},[908],{"type":82,"attrs":909,"content":911},{"textAlign":27,"key":910},"p-51",[912],{"text":913,"type":88},"Cómo se calcula",{"type":427,"content":915},[916,925],{"type":466,"attrs":917,"content":918},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[919],{"type":82,"attrs":920,"content":922},{"textAlign":27,"key":921},"p-52",[923],{"text":924,"type":88},"Tiempo medio de alta",{"type":466,"attrs":926,"content":927},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[928],{"type":82,"attrs":929,"content":931},{"textAlign":27,"key":930},"p-53",[932],{"text":933,"type":88},"Días entre solicitud y ficha activa en el ERP",{"type":427,"content":935},[936,945],{"type":466,"attrs":937,"content":938},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[939],{"type":82,"attrs":940,"content":942},{"textAlign":27,"key":941},"p-54",[943],{"text":944,"type":88},"Fichas completas al primer intento",{"type":466,"attrs":946,"content":947},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[948],{"type":82,"attrs":949,"content":951},{"textAlign":27,"key":950},"p-55",[952],{"text":953,"type":88},"% de solicitudes que no vuelven al proveedor",{"type":427,"content":955},[956,965],{"type":466,"attrs":957,"content":958},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[959],{"type":82,"attrs":960,"content":962},{"textAlign":27,"key":961},"p-56",[963],{"text":964,"type":88},"Duplicados detectados",{"type":466,"attrs":966,"content":967},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[968],{"type":82,"attrs":969,"content":971},{"textAlign":27,"key":970},"p-57",[972],{"text":973,"type":88},"% de altas bloqueadas o avisadas",{"type":427,"content":975},[976,985],{"type":466,"attrs":977,"content":978},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[979],{"type":82,"attrs":980,"content":982},{"textAlign":27,"key":981},"p-58",[983],{"text":984,"type":88},"Cambios de IBAN verificados",{"type":466,"attrs":986,"content":987},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[988],{"type":82,"attrs":989,"content":991},{"textAlign":27,"key":990},"p-59",[992],{"text":993,"type":88},"% confirmados por un segundo canal",{"type":427,"content":995},[996,1005],{"type":466,"attrs":997,"content":998},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[999],{"type":82,"attrs":1000,"content":1002},{"textAlign":27,"key":1001},"p-60",[1003],{"text":1004,"type":88},"Facturas con excepción",{"type":466,"attrs":1006,"content":1007},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[1008],{"type":82,"attrs":1009,"content":1011},{"textAlign":27,"key":1010},"p-61",[1012],{"text":1013,"type":88},"% que requieren intervención manual",{"type":427,"content":1015},[1016,1025],{"type":466,"attrs":1017,"content":1018},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[1019],{"type":82,"attrs":1020,"content":1022},{"textAlign":27,"key":1021},"p-62",[1023],{"text":1024,"type":88},"Coste por alta",{"type":466,"attrs":1026,"content":1027},{"colspan":432,"rowspan":432,"colwidth":27,"backgroundColor":27},[1028],{"type":82,"attrs":1029,"content":1031},{"textAlign":27,"key":1030},"p-63",[1032],{"text":1033,"type":88},"Horas dedicadas × coste por hora",{"type":82,"attrs":1035,"content":1037},{"textAlign":27,"key":1036},"p-64",[1038],{"text":1039,"type":88},"En junio diste de alta 40 proveedores con tres horas de media a 35 €/hora: 105 € por alta y 4.200 € en el mes. Si tres meses después la media baja a hora y media, cada alta cuesta 52,50 € y el mes, 2.100 €. Con esa comparación defiendes el proyecto ante dirección.",{"type":82,"attrs":1041,"content":1043},{"textAlign":27,"key":1042},"p-65",[1044,1046,1052],{"text":1045,"type":88},"Como referencia externa, el informe ",{"text":1047,"type":88,"marks":1048},"AP Metrics that Matter in 2025",[1049],{"type":248,"attrs":1050},{"href":1051,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.datocms-assets.com/80283/1744404602-ardent-partners-ap-metrics-that-matter-in-2025-pagero-final.pdf",{"text":1053,"type":88}," de Ardent Partners sitúa el coste medio por factura en 9,40 dólares. Las organizaciones best-in-class gastan 2,78 dólares frente a 12,88 del resto, con un 9 % de facturas con excepción frente al 22 %. La encuesta, patrocinada por Pagero, reunió 212 respuestas, sobre todo norteamericanas, y mide facturas, no altas.",{"type":82,"attrs":1055,"content":1057},{"textAlign":27,"key":1056},"p-66",[1058],{"text":1059,"type":88},"Estos indicadores también alimentan la calificación de proveedores. Un proveedor que genera excepciones cada mes merece una revisión de su ficha.",{"type":171,"attrs":1061,"content":1062},{"level":173,"textAlign":27},[1063],{"text":1064,"type":88},"Cómo implantar la automatización por fases",{"type":82,"attrs":1066,"content":1068},{"textAlign":27,"key":1067},"p-67",[1069],{"text":1070,"type":88},"Empieza por medir el circuito que ya tienes, para comparar cada cambio con un punto de partida fiable. 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A los tres meses, la tabla muestra que la mitad de las fichas vuelve al proveedor porque falta el contacto de facturación. 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Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":82,"attrs":2740,"content":2741},{"textAlign":27},[2742],{"text":2743,"type":88},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":82,"attrs":2745,"content":2746},{"textAlign":27},[2747],{"text":2748,"type":88},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":82,"attrs":2750,"content":2751},{"textAlign":27},[2752],{"text":2753,"type":88},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2755,"title":2756,"component":1190,"description":2757},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":79,"content":2758},[2759,2764,2776,2781,2791,2796,2801,2806],{"type":82,"attrs":2760,"content":2761},{"textAlign":27},[2762],{"text":2763,"type":88},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":82,"attrs":2765,"content":2766},{"textAlign":27},[2767,2771,2774],{"text":2768,"type":88,"marks":2769},"Para los empleados",[2770],{"type":1910},{"type":155,"marks":2772},[2773],{"type":1910},{"text":2775,"type":88},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":82,"attrs":2777,"content":2778},{"textAlign":27},[2779],{"text":2780,"type":88},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":82,"attrs":2782,"content":2783},{"textAlign":27},[2784,2788,2789],{"text":2785,"type":88,"marks":2786},"Para los equipos financieros",[2787],{"type":1910},{"type":155},{"text":2790,"type":88},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":82,"attrs":2792,"content":2793},{"textAlign":27},[2794],{"text":2795,"type":88},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":82,"attrs":2797,"content":2798},{"textAlign":27},[2799],{"text":2800,"type":88},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":82,"attrs":2802,"content":2803},{"textAlign":27},[2804],{"text":2805,"type":88},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":82,"attrs":2807,"content":2808},{"textAlign":27},[2809],{"text":2810,"type":88},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2812],{"cta":2813,"_uid":2814,"title":2815,"eyebrow":2822,"subtitle":2825,"component":171,"textAlign":24,"sectionSettings":2831,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":79,"content":2816},[2817],{"type":171,"attrs":2818,"content":2819},{"level":173},[2820],{"text":2821,"type":88},"Empezar con Spendesk",{"type":79,"content":2823},[2824],{"type":82},{"type":79,"content":2826},[2827],{"type":82,"content":2828},[2829],{"text":2830,"type":88},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",["Island",2836],{"key":2837,"result":2838},"MarkdownRenderer_9rg0npAsnAuO2ftNGosIQyI75ibhtnXjlRc2DbVE",{"head":2839},{"link":2840,"style":2841},[],[],[2843,2983,3113,3242],{"name":2844,"created_at":2845,"published_at":2846,"updated_at":2847,"id":2848,"uuid":2849,"content":2850,"slug":2971,"full_slug":2972,"sort_by_date":27,"position":2973,"tag_list":2974,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":2975,"first_published_at":2976,"release_id":27,"lang":34,"path":27,"alternates":2977,"default_full_slug":2978,"translated_slugs":2979},"Homologación y portales de proveedores: evaluar, dar de alta y gobernar","2026-08-26T15:56:43.000Z","2026-08-27T11:22:49.938Z","2026-08-27T11:22:49.965Z",213279551544644,"df2fe6b5-9582-43a1-9457-a1491afec76a",{"_uid":2851,"title":2844,"topics":2852,"noIndex":30,"category":2861,"language":2870,"component":1151,"heroMedia":2871,"metaTitle":2872,"publishedAt":2873,"readingTime":2874,"redirectUrl":24,"listingImage":2875,"metaDescription":2882,"bottomArticleCta":2883,"componentsAfterTheArticle":2884},"a6908dcc-aa94-4298-8df2-3a036e19fee3",[2853],{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":2854,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":2855,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":2856,"default_full_slug":126,"translated_slugs":2857,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[2858,2859,2860],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":2862,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":2864,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":2865,"default_full_slug":1159,"translated_slugs":2866,"_stopResolving":43},{"_uid":1145,"icon":2863,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[2867,2868,2869],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Homologación y portales de proveedores: guía práctica","2026-08-18 00:00","18",[2876],{"_uid":2877,"asset":2878,"caption":24,"component":1179},"4696bec5-e373-4bf7-a572-57bee0d1290f",{"id":2879,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2880,"copyright":24,"fieldtype":67,"meta_data":2881,"is_external_url":30},213566053326877,"https://a.storyblok.com/f/146026/1536x1024/e3536a22fa/homologacion-portales-de-proveedores.png",{},"Homologación de proveedores: aprende a evaluarlos, darlos de alta y gestionarlos, además de elegir un portal de proveedores o migrar a uno de forma segura.",[],[2885],{"_uid":2886,"items":2887,"heading":2948,"component":1257},"03761e7c-8a3d-4a4b-9eea-d012fc737faf",[2888,2898,2908,2918,2928,2938],{"_uid":2889,"title":2890,"component":1190,"description":2891},"bf064850-af57-4614-b489-93360c87829d","¿Qué diferencia hay entre homologación y precalificación de proveedores?",{"type":79,"content":2892},[2893],{"type":82,"attrs":2894,"content":2895},{"textAlign":27},[2896],{"text":2897,"type":88},"La precalificación filtra candidatos que no cumplen requisitos mínimos. La homologación valida con mayor profundidad la solvencia, el cumplimiento, la capacidad y los criterios de riesgo antes de formalizar la relación.",{"_uid":2899,"title":2900,"component":1190,"description":2901},"cf378fd2-4480-4154-a37a-265621902672","¿Con qué frecuencia hay que reevaluar a un proveedor?",{"type":79,"content":2902},[2903],{"type":82,"attrs":2904,"content":2905},{"textAlign":27},[2906],{"text":2907,"type":88},"Depende del riesgo, el volumen de gasto, la criticidad, la actividad, el contrato y la política interna. Los proveedores críticos pueden requerir una revisión anual o más frecuente, mientras que los de bajo riesgo pueden revisarse con una periodicidad más amplia. No existe una frecuencia universal aplicable a todos los proveedores.",{"_uid":2909,"title":2910,"component":1190,"description":2911},"7f1e9200-5183-44a0-98bb-a1fd89492a3d","¿Qué KPI sirven para medir a un proveedor?",{"type":79,"content":2912},[2913],{"type":82,"attrs":2914,"content":2915},{"textAlign":27},[2916],{"text":2917,"type":88},"El plazo de entrega medio, la tasa de incidencias o devoluciones, el cumplimiento de las condiciones pactadas y el tiempo de respuesta ante reclamaciones son indicadores habituales. Cada KPI debe tener una definición, un propietario, un período de medición y un umbral de acción.",{"_uid":2919,"title":2920,"component":1190,"description":2921},"b8321628-96f7-4f3e-a01e-d93dec724c28","¿Cuánto puede tardar dar de alta a un proveedor y cómo acortarlo?",{"type":79,"content":2922},[2923],{"type":82,"attrs":2924,"content":2925},{"textAlign":27},[2926],{"text":2927,"type":88},"El plazo depende de la documentación, el nivel de riesgo, la complejidad de la aprobación, las integraciones y la disponibilidad del proveedor. En un caso sencillo y bien preparado, la empresa puede fijar un objetivo interno de pocos días, pero no debe presentarlo como una garantía general. Centralizar la documentación, automatizar recordatorios y definir los responsables puede ayudar a reducir el tiempo de alta.",{"_uid":2929,"title":2930,"component":1190,"description":2931},"bbd9f873-37d2-47f3-98f8-1d611be753d4","¿Cómo puede Spendesk ayudar a mejorar el control de costes?",{"type":79,"content":2932},[2933],{"type":82,"attrs":2934,"content":2935},{"textAlign":27},[2936],{"text":2937,"type":88},"Spendesk ayuda a centralizar la gestión de gastos, vincular las solicitudes y las aprobaciones con los presupuestos y consultar el impacto previsto antes de aprobar un gasto. También mejora la visibilidad y la trazabilidad de la información, lo que permite a los equipos financieros tomar decisiones con una visión más completa.",{"_uid":2939,"title":2940,"component":1190,"description":2941},"8427c66e-c068-4401-85ab-a91acccec289","¿Puede Spendesk conectarse con mi software contable?",{"type":79,"content":2942},[2943],{"type":82,"attrs":2944,"content":2945},{"textAlign":27},[2946],{"text":2947,"type":88},"Spendesk puede preparar los datos de gasto para exportarlos o sincronizarlos con herramientas contables mediante integraciones, exportaciones o una API, en función del producto, la configuración y el plan contratado. La compatibilidad con una herramienta concreta debe confirmarse antes de contratar.",[2949],{"cta":2950,"_uid":2951,"title":2952,"eyebrow":2959,"subtitle":2964,"component":171,"textAlign":24,"flexibleSection":2969,"sectionSettings":2970,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"6530a95a-6300-4bed-b52d-1a6ee61c001e",{"type":79,"content":2953},[2954],{"type":171,"attrs":2955,"content":2956},{"level":173,"textAlign":27},[2957],{"text":2958,"type":88},"Preguntas frecuentes",{"type":79,"content":2960},[2961],{"type":82,"attrs":2962,"content":2963},{"textAlign":27},[],{"type":79,"content":2965},[2966],{"type":82,"attrs":2967,"content":2968},{"textAlign":27},[],[],[],"homologacion-portales-de-proveedores","es/blog/homologacion-portales-de-proveedores",-2890,[],"890ad3bf-eaa7-4c17-afda-5b636834e6b1","2026-08-26T16:07:14.527Z",[],"blog/homologacion-portales-de-proveedores",[2980,2981,2982],{"path":2978,"name":27,"lang":39,"published":27},{"path":2978,"name":27,"lang":41,"published":27},{"path":2978,"name":27,"lang":34,"published":27},{"name":2984,"created_at":2985,"published_at":2986,"updated_at":2987,"id":2988,"uuid":2989,"content":2990,"slug":3101,"full_slug":3102,"sort_by_date":27,"position":3103,"tag_list":3104,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":3105,"first_published_at":3106,"release_id":27,"lang":34,"path":27,"alternates":3107,"default_full_slug":3108,"translated_slugs":3109},"Ficha de proveedores: plantilla, campos y modelo para empresas","2026-08-26T15:56:39.699Z","2026-08-27T11:06:56.335Z","2026-08-27T11:06:56.371Z",213279538023721,"c22f6ca7-22d6-4fbf-9349-1ef9038abd0a",{"_uid":2991,"title":2984,"topics":2992,"noIndex":30,"category":3001,"language":3010,"component":1151,"heroMedia":3011,"metaTitle":3012,"publishedAt":3013,"readingTime":3014,"redirectUrl":24,"listingImage":3015,"metaDescription":3023,"bottomArticleCta":3024,"componentsAfterTheArticle":3025},"1f70dcb5-f688-4089-84c5-ef56b52ee337",[2993],{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":2994,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":2995,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":2996,"default_full_slug":126,"translated_slugs":2997,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[2998,2999,3000],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3002,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3004,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3005,"default_full_slug":1159,"translated_slugs":3006,"_stopResolving":43},{"_uid":1145,"icon":3003,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3007,3008,3009],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Ficha de proveedores: plantilla, campos y modelo","2026-08-05 00:00","17",[3016],{"_uid":3017,"asset":3018,"caption":24,"component":1179},"e7f5e052-d844-48ce-a9c6-b8b01a495d1d",{"id":3019,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3020,"copyright":24,"fieldtype":67,"meta_data":3021,"is_external_url":30},213562154249979,"https://a.storyblok.com/f/146026/1536x1024/532e49ba6c/ficha-de-proveedores.png",{"size":3022},"1536x1024","Ficha de proveedores: descubre qué campos incluir y consulta una plantilla de Excel con un modelo y un ejemplo para organizar y mantener datos fiables.",[],[3026],{"_uid":3027,"items":3028,"heading":3079,"component":1257},"70c14829-e41d-41a2-ae21-5afdcad57cc0",[3029,3039,3049,3059,3069],{"_uid":3030,"title":3031,"component":1190,"description":3032},"aa66f489-8604-4db1-bea7-de8ecad6546d","¿Cuáles son los campos mínimos de una ficha de proveedor?",{"type":79,"content":3033},[3034],{"type":82,"attrs":3035,"content":3036},{"textAlign":27},[3037],{"text":3038,"type":88},"No existe una lista universal de campos obligatorios para todos los maestros de proveedores. Como base, suele ser útil registrar la denominación legal, el NIF, un contacto, el estado del proveedor y, cuando sea necesario para pagar, los datos bancarios y las condiciones de pago. Los campos concretos dependen de la entidad, el país, el tipo de operación y los controles internos.",{"_uid":3040,"title":3041,"component":1190,"description":3042},"fd9cad58-a254-4599-ab13-71cd1b53a876","¿Cuál es la diferencia entre denominación legal y nombre comercial?",{"type":79,"content":3043},[3044],{"type":82,"attrs":3045,"content":3046},{"textAlign":27},[3047],{"text":3048,"type":88},"La denominación legal es el nombre con el que la empresa o el profesional está identificado legal y fiscalmente. El nombre comercial es la marca con la que opera en el mercado. Pueden coincidir o ser diferentes. En las facturas debe utilizarse la identificación exigida por la normativa de facturación, no únicamente la marca comercial.",{"_uid":3050,"title":3051,"component":1190,"description":3052},"b89ecdfe-e537-40cc-84b4-8e8e5867c26b","¿Cuánto tiempo hay que conservar los datos de un proveedor?",{"type":79,"content":3053},[3054],{"type":82,"attrs":3055,"content":3056},{"textAlign":27},[3057],{"text":3058,"type":88},"No existe un único plazo aplicable a todos los datos del proveedor. Las facturas y justificantes fiscales suelen estar sujetos al plazo de prescripción tributaria aplicable, normalmente cuatro años, mientras que los libros y la documentación mercantil deben conservarse durante seis años desde el último asiento realizado en los libros. Pueden aplicarse plazos especiales más largos. Conserva el histórico necesario para justificar las operaciones y elimina o bloquea los datos personales cuando ya no exista una finalidad o una obligación que justifique conservarlos.",{"_uid":3060,"title":3061,"component":1190,"description":3062},"4363da7c-dff9-48e2-bd52-1f984495b285","¿Qué datos bancarios necesito para pagar a un proveedor?",{"type":79,"content":3063},[3064],{"type":82,"attrs":3065,"content":3066},{"textAlign":27},[3067],{"text":3068,"type":88},"El IBAN es el identificador principal de la cuenta en los pagos SEPA. En España tiene 24 caracteres, pero la longitud varía según el país. También debes registrar el método de pago y las condiciones acordadas. La validación estructural del IBAN puede detectar algunos errores de introducción, pero no confirma que la cuenta pertenezca al proveedor. Ante un alta o cambio de datos bancarios, utiliza un canal independiente para verificar la información.",{"_uid":3070,"title":3071,"component":1190,"description":3072},"e25dca40-69e6-43e5-836f-90078c356ae9","¿Es mejor una ficha de proveedores en Excel o en un software?",{"type":79,"content":3073},[3074],{"type":82,"attrs":3075,"content":3076},{"textAlign":27},[3077],{"text":3078,"type":88},"Depende del número de usuarios, las entidades, el volumen de operaciones, la necesidad de permisos y el nivel de trazabilidad que requiera la empresa. Excel puede ser suficiente para procesos sencillos. Un sistema centralizado puede resultar más adecuado cuando se necesitan controles de acceso, historial de cambios, relación con pedidos y facturas, y un registro común para varios equipos.",[3080],{"cta":3081,"_uid":3082,"title":3083,"eyebrow":3089,"subtitle":3094,"component":171,"textAlign":24,"flexibleSection":3099,"sectionSettings":3100,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"75af5439-dd80-4e9f-bc5a-d09eb461476c",{"type":79,"content":3084},[3085],{"type":171,"attrs":3086,"content":3087},{"level":173,"textAlign":27},[3088],{"text":2958,"type":88},{"type":79,"content":3090},[3091],{"type":82,"attrs":3092,"content":3093},{"textAlign":27},[],{"type":79,"content":3095},[3096],{"type":82,"attrs":3097,"content":3098},{"textAlign":27},[],[],[],"ficha-de-proveedores","es/blog/ficha-de-proveedores",-2860,[],"9aadce39-90fd-4b77-adc3-a13bced00c54","2026-08-26T16:07:11.146Z",[],"blog/ficha-de-proveedores",[3110,3111,3112],{"path":3108,"name":27,"lang":39,"published":27},{"path":3108,"name":27,"lang":41,"published":27},{"path":3108,"name":27,"lang":34,"published":27},{"name":3114,"created_at":3115,"published_at":3116,"updated_at":3117,"id":3118,"uuid":3119,"content":3120,"slug":3230,"full_slug":3231,"sort_by_date":27,"position":3232,"tag_list":3233,"is_startpage":30,"parent_id":1263,"meta_data":27,"group_id":3234,"first_published_at":3235,"release_id":27,"lang":34,"path":27,"alternates":3236,"default_full_slug":3237,"translated_slugs":3238},"Software de compras y de la compra al pago: cómo elegir una herramienta para equipos financieros","2026-08-26T15:56:38.607Z","2026-08-27T10:55:17.918Z","2026-08-27T10:55:17.939Z",213279533546748,"6fbe7e8d-99d9-4dc0-b9d4-f2b989c02a54",{"_uid":3121,"title":3114,"topics":3122,"noIndex":30,"category":3131,"language":3140,"component":1151,"heroMedia":3141,"metaTitle":3142,"publishedAt":3143,"readingTime":3144,"redirectUrl":24,"listingImage":3145,"metaDescription":3152,"bottomArticleCta":3153,"componentsAfterTheArticle":3154},"344a3357-3ce2-4011-ab4d-5a1013736083",[3123],{"name":104,"created_at":105,"published_at":106,"updated_at":107,"id":108,"uuid":109,"content":3124,"slug":118,"full_slug":119,"sort_by_date":27,"position":120,"tag_list":3125,"is_startpage":30,"parent_id":122,"meta_data":27,"group_id":123,"first_published_at":124,"release_id":27,"lang":34,"path":27,"alternates":3126,"default_full_slug":126,"translated_slugs":3127,"_stopResolving":43},{"_uid":117,"name":104,"component":23},[],[],[3128,3129,3130],{"path":126,"name":27,"lang":39,"published":27},{"path":126,"name":27,"lang":41,"published":27},{"path":126,"name":27,"lang":34,"published":27},{"name":1139,"created_at":1140,"published_at":16,"updated_at":1141,"id":1142,"uuid":1143,"content":3132,"slug":1151,"full_slug":1152,"sort_by_date":27,"position":1153,"tag_list":3134,"is_startpage":30,"parent_id":1155,"meta_data":27,"group_id":1156,"first_published_at":1157,"release_id":27,"lang":34,"path":27,"alternates":3135,"default_full_slug":1159,"translated_slugs":3136,"_stopResolving":43},{"_uid":1145,"icon":3133,"name":1139,"component":1150},{"id":1147,"alt":1148,"name":24,"focus":24,"title":24,"filename":1149,"copyright":24,"fieldtype":67,"is_external_url":30},[],[],[3137,3138,3139],{"path":1159,"name":27,"lang":39,"published":27},{"path":1159,"name":27,"lang":41,"published":27},{"path":1159,"name":27,"lang":34,"published":27},[34],[],"Software de compras y procure-to-pay: cómo elegir","2026-08-04 00:00","16",[3146],{"_uid":3147,"asset":3148,"caption":24,"component":1179},"29b7ddcd-1df7-4516-b9a1-f5f6df1121f4",{"id":3149,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3150,"copyright":24,"fieldtype":67,"meta_data":3151,"is_external_url":30},213559290986096,"https://a.storyblok.com/f/146026/1536x1024/255fadd1fe/software-de-compras-procure-to-pay.png",{"size":3022},"El proceso de compras fragmentado genera sorpresas al cierre. Descubre cómo elegir un software que conecte solicitud, aprobación y pago en un único flujo.",[],[3155],{"_uid":3156,"items":3157,"heading":3208,"component":1257},"694060cd-7f73-4d21-964e-bfc3d015e288",[3158,3168,3178,3188,3198],{"_uid":3159,"title":3160,"component":1190,"description":3161},"20410847-1c86-448c-bf8d-5e5b9610fec4","¿Qué es el proceso de compras?",{"type":79,"content":3162},[3163],{"type":82,"attrs":3164,"content":3165},{"textAlign":27},[3166],{"text":3167,"type":88},"Es el conjunto de actividades que va desde la solicitud de un bien o servicio hasta su recepción, validación, contabilización y pago. El número de pasos varía según la organización, el tipo de compra y los controles internos.",{"_uid":3169,"title":3170,"component":1190,"description":3171},"956cf1c7-ea52-4e4c-86a9-1476d4a6c71a","¿En qué se diferencia el procure-to-pay de un ERP?",{"type":79,"content":3172},[3173],{"type":82,"attrs":3174,"content":3175},{"textAlign":27},[3176],{"text":3177,"type":88},"El ERP gestiona la contabilidad general y otros módulos de negocio. El procure-to-pay se centra en conectar la solicitud, la aprobación, el pedido, la recepción, la factura y el pago en un flujo trazable. Algunas soluciones P2P se integran con el ERP para intercambiar datos, pero no lo sustituyen necesariamente.",{"_uid":3179,"title":3180,"component":1190,"description":3181},"89a515a1-b236-44f1-8bed-aa54da5bd802","¿Necesito un software de compras si ya tengo una gestoría o un ERP?",{"type":79,"content":3182},[3183],{"type":82,"attrs":3184,"content":3185},{"textAlign":27},[3186],{"text":3187,"type":88},"No siempre. Depende de si el ERP o la gestoría cubren también la solicitud, la aprobación, el control presupuestario y la trazabilidad previa al gasto. Si esos procesos se gestionan por correo o en hojas de cálculo, una herramienta especializada puede ayudar a estructurarlos y a enviar los datos validados al sistema contable.",{"_uid":3189,"title":3190,"component":1190,"description":3191},"a75afb36-ff3d-4435-90a6-7d03a1618aed","¿Cómo puede ayudar la automatización en la evaluación y el onboarding de proveedores?",{"type":79,"content":3192},[3193],{"type":82,"attrs":3194,"content":3195},{"textAlign":27},[3196],{"text":3197,"type":88},"Centralizar los datos de proveedores y contratos puede facilitar la consulta de condiciones y fechas de renovación. Los controles sobre los cambios de datos bancarios, incluida la confirmación independiente y, cuando esté disponible, la verificación del beneficiario, pueden ayudar a detectar algunas discrepancias. Ninguna de estas medidas garantiza por sí sola la prevención del fraude o de los pagos duplicados.",{"_uid":3199,"title":3200,"component":1190,"description":3201},"9b2055bf-4352-4e62-b5f3-1df3804e80f9","¿Cuál es el mejor software de compras para una empresa mediana?",{"type":79,"content":3202},[3203],{"type":82,"attrs":3204,"content":3205},{"textAlign":27},[3206],{"text":3207,"type":88},"Depende del volumen, la complejidad de las aprobaciones, el número de entidades, los controles necesarios y las integraciones disponibles. Conviene buscar una solución que combine solicitudes, aprobaciones, visibilidad del gasto, pagos y conexión con el software contable que utiliza la empresa. La disponibilidad de cada función debe confirmarse para el país y la configuración 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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":3315,"title":3316,"component":1190,"description":3317},"e2ca90ec-867a-46b0-82f1-a7f2b57ad8e6","¿Cómo se conecta Sage con un software de control de gastos?",{"type":79,"content":3318},[3319],{"type":82,"attrs":3320,"content":3321},{"textAlign":27},[3322],{"text":3323,"type":88},"Mediante un fichero de exportación configurable y adaptado a tu plan de cuentas. 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La versión 2 aplica",{"text":3345,"type":88,"marks":3346}," límites por ventana deslizante",[3347],{"type":248,"attrs":3348},{"href":3349,"uuid":27,"anchor":27,"target":2310,"linktype":70},"https://www.holded.com/es/desarrolladores/limite-de-tasa",{"text":3351,"type":88},". Si superas el ritmo permitido, recibirás un error 429, por lo que conviene realizar reintentos con esperas progresivas.",{"_uid":3353,"title":3354,"component":1190,"description":3355},"34dce294-df95-463c-a470-70f76f841ba3","¿Qué ocurre si falla la exportación al ERP?",{"type":79,"content":3356},[3357],{"type":82,"attrs":3358,"content":3359},{"textAlign":27},[3360],{"text":3361,"type":88},"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.",[3363],{"cta":3364,"_uid":3365,"title":3366,"eyebrow":3372,"subtitle":3377,"component":171,"textAlign":24,"flexibleSection":3382,"sectionSettings":3383,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"bb04e9c7-5b3a-4a72-bcbf-a0a35b56c71f",{"type":79,"content":3367},[3368],{"type":171,"attrs":3369,"content":3370},{"level":173,"textAlign":27},[3371],{"text":2958,"type":88},{"type":79,"content":3373},[3374],{"type":82,"attrs":3375,"content":3376},{"textAlign":27},[],{"type":79,"content":3378},[3379],{"type":82,"attrs":3380,"content":3381},{"textAlign":27},[],[],[],"integrar-spendesk-holded-sage-a3","es/blog/integrar-spendesk-holded-sage-a3",-2420,[],"5f555d0f-d052-4621-9b52-bc162efc8856","2026-08-10T14:39:58.885Z",[],"blog/integrar-spendesk-holded-sage-a3",[3393,3394,3395],{"path":3391,"name":27,"lang":39,"published":27},{"path":3391,"name":27,"lang":41,"published":27},{"path":3391,"name":27,"lang":34,"published":27},1793980971984]