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un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[136,137,138],{"path":134,"name":25,"lang":37,"published":25},{"path":134,"name":25,"lang":39,"published":25},{"path":134,"name":25,"lang":32,"published":25},[],{"type":116,"content":141},[142,147,153,159,166,172,178,184,190,195,201,207,213,219,224,229,234,239,244,249,254,269,274,279,292,297,302,307,321,327,333,339,345,354,360,366,372,378,383,435,440],{"type":119,"attrs":143,"content":144},{"textAlign":25,"key":121},[145],{"text":146,"type":125},"Reducir gastos en una empresa pequeña no consiste en recortar a ciegas. Consiste en saber a dónde va el dinero, distinguir entre los costes que aportan valor y los que se han quedado sin justificación, y establecer controles que permitan decidir antes de gastar.",{"type":119,"attrs":148,"content":150},{"textAlign":25,"key":149},"p-1",[151],{"text":152,"type":125},"Cuando las compras, las suscripciones, las dietas y los pagos se gestionan de forma dispersa, es fácil perder visibilidad. Una licencia puede renovarse aunque ya no se utilice, varias personas pueden contratar herramientas similares o un gasto relevante puede aparecer demasiado tarde para corregirlo.",{"type":119,"attrs":154,"content":156},{"textAlign":25,"key":155},"p-2",[157],{"text":158,"type":125},"El objetivo del control de gastos es evitar esas fugas sin ralentizar las ventas ni limitar los recursos que el equipo necesita para trabajar. Para conseguirlo, conviene combinar visibilidad, prioridades claras y procesos sencillos.",{"type":160,"attrs":161,"content":163},"heading",{"level":162,"textAlign":25},2,[164],{"text":165,"type":125},"Qué es el control de gastos y por qué decide el margen de una empresa pequeña",{"type":119,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-3",[170],{"text":171,"type":125},"El control de gastos es el proceso de planificar, seguir y revisar en qué gasta la empresa. No se limita a revisar una hoja de cálculo después de cada cierre. Bien planteado, permite decidir antes de realizar una compra y comprobar después si el gasto se ajusta al presupuesto y a los objetivos del negocio.",{"type":119,"attrs":173,"content":175},{"textAlign":25,"key":174},"p-4",[176],{"text":177,"type":125},"En una empresa pequeña, cada decisión tiene un impacto más visible en el margen y en la tesorería. Por eso es importante que los gastos estén organizados por categorías, equipos, proyectos o responsables, según la estructura de la empresa.",{"type":119,"attrs":179,"content":181},{"textAlign":25,"key":180},"p-5",[182],{"text":183,"type":125},"Conviene distinguir entre control reactivo y control preventivo. El control reactivo analiza los gastos una vez realizados, mientras que el preventivo establece límites, aprobaciones y reglas antes de que se produzca el desembolso. Ambos son necesarios, pero el segundo ofrece más margen para actuar.",{"type":119,"attrs":185,"content":187},{"textAlign":25,"key":186},"p-6",[188],{"text":189,"type":125},"La diferencia se aprecia, por ejemplo, cuando varias personas contratan herramientas de software sin conocer las suscripciones que ya existen. El problema no tiene por qué ser un uso irresponsable del presupuesto. Puede deberse simplemente a que nadie dispone de una visión común antes de contratar.",{"type":160,"attrs":191,"content":192},{"level":162,"textAlign":25},[193],{"text":194,"type":125},"Reducir gastos no es recortar a ciegas",{"type":119,"attrs":196,"content":198},{"textAlign":25,"key":197},"p-7",[199],{"text":200,"type":125},"Un recorte puede mejorar el resultado de un mes y perjudicar la capacidad de crecimiento de la empresa si elimina recursos que el equipo necesita. Cancelar una herramienta esencial, limitar los desplazamientos comerciales sin analizar su retorno o reducir la plantilla hasta sobrecargar a las personas puede trasladar el coste a otras áreas.",{"type":119,"attrs":202,"content":204},{"textAlign":25,"key":203},"p-8",[205],{"text":206,"type":125},"Reducir bien significa eliminar el gasto que no aporta valor y proteger el que contribuye a generar ingresos, mejorar la productividad o mantener el servicio. Para distinguir una partida de otra, hace falta información sobre el uso, el coste y el resultado que produce.",{"type":119,"attrs":208,"content":210},{"textAlign":25,"key":209},"p-9",[211],{"text":212,"type":125},"El proceso puede resumirse en tres decisiones. Primero, reúne la información para saber qué se está pagando. Después, clasifica los gastos según su importancia y su contribución al negocio. Por último, decide qué mantener, qué negociar, qué sustituir y qué cancelar.",{"type":119,"attrs":214,"content":216},{"textAlign":25,"key":215},"p-10",[217],{"text":218,"type":125},"Este orden es importante. Si empiezas por cancelar gastos sin conocer su función, puedes ahorrar en una partida y crear un coste mayor en forma de trabajo manual, errores o pérdida de oportunidades comerciales.",{"type":160,"attrs":220,"content":221},{"level":162,"textAlign":25},[222],{"text":223,"type":125},"Empieza por la visibilidad para saber a dónde va cada euro",{"type":119,"attrs":225,"content":226},{"textAlign":25,"key":121},[227],{"text":228,"type":125},"No puedes reducir de forma fiable lo que no puedes consultar. La visibilidad es el primer paso porque permite reunir en un mismo lugar los gastos realizados con tarjetas de empresa, las facturas, las notas de gastos y las suscripciones recurrentes.",{"type":119,"attrs":230,"content":231},{"textAlign":25,"key":149},[232],{"text":233,"type":125},"Con la información organizada, resulta más sencillo analizar el gasto por equipo, categoría, proyecto o proveedor. También puedes detectar cargos duplicados, servicios que ya no utiliza nadie y renovaciones que no han pasado por una revisión reciente.",{"type":119,"attrs":235,"content":236},{"textAlign":25,"key":155},[237],{"text":238,"type":125},"La visibilidad no depende solo de tener todos los datos juntos. También importa que la información esté disponible con suficiente rapidez para tomar decisiones. Si el gasto se revisa mucho tiempo después de haberse producido, el margen de actuación disminuye.",{"type":119,"attrs":240,"content":241},{"textAlign":25,"key":168},[242],{"text":243,"type":125},"Una plataforma de gestión del gasto puede ayudar a reunir transacciones, justificantes y solicitudes en un mismo entorno. Spendesk permite gestionar tarjetas, gastos, facturas y reembolsos desde una única plataforma, y facilita la consulta de la información asociada a cada operación. También permite cargar justificantes desde la aplicación móvil y utilizar OCR para extraer determinados datos, que deben revisarse cuando sea necesario.",{"type":119,"attrs":245,"content":246},{"textAlign":25,"key":174},[247],{"text":248,"type":125},"La centralización no sustituye al análisis. Su valor está en ofrecer una base más ordenada para revisar el gasto, aplicar la política interna y decidir dónde existe margen de optimización.",{"type":160,"attrs":250,"content":251},{"level":162,"textAlign":25},[252],{"text":253,"type":125},"Políticas de gasto, límites y aprobaciones para controlar antes de gastar",{"type":119,"attrs":255,"content":256},{"textAlign":25,"key":180},[257,259,267],{"text":258,"type":125},"El control preventivo funciona mejor cuando las reglas son claras y fáciles de aplicar. Una ",{"text":260,"type":125,"marks":261},"política de gastos",[262],{"type":263,"attrs":264},"link",{"href":265,"uuid":25,"anchor":25,"target":266,"linktype":107},"https://www.spendesk.com/es/blog/politica-de-gastos/","_blank",{"text":268,"type":125}," debería explicar qué gastos están permitidos, quién puede realizarlos, qué límites se aplican y qué justificantes deben conservarse.",{"type":119,"attrs":270,"content":271},{"textAlign":25,"key":186},[272],{"text":273,"type":125},"No es necesario crear un documento complejo. Lo importante es que el equipo pueda consultar rápidamente qué hacer ante una compra habitual, un desplazamiento, una suscripción o un gasto excepcional.",{"type":119,"attrs":275,"content":276},{"textAlign":25,"key":197},[277],{"text":278,"type":125},"Los límites convierten la política en una regla operativa. Pueden establecerse por persona, equipo, categoría, proyecto o tipo de compra, según las necesidades de la empresa. Las aprobaciones deberían reservarse para los gastos que superan esos límites o que requieren una revisión específica.",{"type":119,"attrs":280,"content":281},{"textAlign":25,"key":203},[282,284,290],{"text":283,"type":125},"Una ",{"text":285,"type":125,"marks":286},"tarjeta compartida",[287],{"type":263,"attrs":288},{"href":289,"uuid":25,"anchor":25,"target":266,"linktype":107},"https://www.spendesk.com/es/blog/tarjetas-corporativas/",{"text":291,"type":125}," dificulta saber quién realizó una compra y con qué autorización. Las tarjetas individuales o asignadas a usos concretos permiten distribuir la capacidad de gasto sin perder trazabilidad. Las tarjetas físicas y virtuales de Spendesk pueden configurarse con límites y reglas de uso, según la política y la configuración de la cuenta.",{"type":119,"attrs":293,"content":294},{"textAlign":25,"key":209},[295],{"text":296,"type":125},"El objetivo no es aprobar cada gasto pequeño, sino concentrar la revisión en las decisiones que realmente pueden afectar al presupuesto. Así, el equipo mantiene autonomía para las compras habituales y la persona responsable conserva el control sobre las excepciones.",{"type":160,"attrs":298,"content":299},{"level":162,"textAlign":25},[300],{"text":301,"type":125},"Qué métodos y herramientas ayudan a controlar y reducir gastos",{"type":119,"attrs":303,"content":304},{"textAlign":25,"key":215},[305],{"text":306,"type":125},"Los mejores resultados suelen llegar cuando varias prácticas funcionan juntas. Un presupuesto por área o categoría permite comparar lo previsto con el gasto real y detectar desviaciones. Una política de gastos establece las reglas. Los medios de pago controlados aplican parte de esas reglas en el momento de la compra. Y una herramienta digital reúne la información para facilitar su revisión.",{"type":119,"attrs":308,"content":310},{"textAlign":25,"key":309},"p-11",[311,313,319],{"text":312,"type":125},"El ",{"text":314,"type":125,"marks":315},"control presupuestario",[316],{"type":263,"attrs":317},{"href":318,"uuid":25,"anchor":25,"target":266,"linktype":107},"https://www.spendesk.com/es/blog/control-presupuestario/",{"text":320,"type":125}," debe ser lo bastante detallado para mostrar dónde se produce la desviación, pero no tan complejo que nadie lo actualice. En una empresa pequeña, puede bastar con organizar el gasto por equipos, categorías principales y proyectos relevantes.",{"type":119,"attrs":322,"content":324},{"textAlign":25,"key":323},"p-12",[325],{"text":326,"type":125},"La revisión de proveedores y suscripciones también merece un proceso propio. Comprueba qué servicios se utilizan, quién es responsable de cada contrato, cuándo se renuevan y si existen alternativas o condiciones que puedan renegociarse. La decisión no debería basarse únicamente en el precio, sino también en el coste de cambiar de proveedor y en el impacto que tendría dejar de utilizar el servicio.",{"type":119,"attrs":328,"content":330},{"textAlign":25,"key":329},"p-13",[331],{"text":332,"type":125},"Al elegir un software de control de gastos, busca una solución que el equipo pueda adoptar sin una implantación desproporcionada. La herramienta debe facilitar la captura de justificantes, las solicitudes, las aprobaciones y la consulta del gasto sin crear otra capa de trabajo manual.",{"type":119,"attrs":334,"content":336},{"textAlign":25,"key":335},"p-14",[337],{"text":338,"type":125},"También conviene comprobar cómo se conecta con el sistema contable o financiero de la empresa. La compatibilidad concreta debe confirmarse para cada solución, versión y configuración. Si existe una integración o una exportación adecuada, puede reducirse la duplicidad de datos y facilitar la preparación de la información para el cierre.",{"type":119,"attrs":340,"content":342},{"textAlign":25,"key":341},"p-15",[343],{"text":344,"type":125},"Spendesk reúne en una misma plataforma las piezas que este proceso necesita: presupuestos por equipo o categoría para comparar lo previsto con lo real, tarjetas físicas y virtuales con límites configurables para aplicar la política antes de que se produzca el gasto, y flujos de aprobación y captura de justificantes que mantienen la información centralizada y lista para el cierre. El alcance de cada flujo depende de la configuración contratada, y la revisión contable o fiscal sigue correspondiendo a la empresa.",{"type":119,"attrs":346,"content":348},{"textAlign":25,"key":347},"p-16",[349],{"text":350,"type":125,"marks":351},"Cuánto puede aportar la automatización de la gestión de gastos",[352],{"type":353},"bold",{"type":119,"attrs":355,"content":357},{"textAlign":25,"key":356},"p-17",[358],{"text":359,"type":125},"La automatización ayuda sobre todo a reducir tareas repetitivas. En lugar de recopilar tiques al final del periodo, una persona puede cargar el justificante desde el móvil cuando realiza el gasto. En lugar de revisar todas las operaciones de la misma forma, el equipo financiero puede establecer reglas y centrarse en las excepciones.",{"type":119,"attrs":361,"content":363},{"textAlign":25,"key":362},"p-18",[364],{"text":365,"type":125},"La captura digital, la categorización y las aprobaciones estructuradas pueden facilitar el trabajo administrativo. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":119,"attrs":2113,"content":2114},{"textAlign":25},[2115,2119,2120],{"text":2116,"type":125,"marks":2117},"Para los equipos financieros",[2118],{"type":353},{"type":1945},{"text":2121,"type":125},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":119,"attrs":2123,"content":2124},{"textAlign":25},[2125],{"text":2126,"type":125},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":119,"attrs":2128,"content":2129},{"textAlign":25},[2130],{"text":2131,"type":125},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":119,"attrs":2133,"content":2134},{"textAlign":25},[2135],{"text":2136,"type":125},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":119,"attrs":2138,"content":2139},{"textAlign":25},[2140],{"text":2141,"type":125},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de 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390: resumen anual del IVA, quién lo presenta, casill","2026-08-25 00:00","12",[2213],{"_uid":2214,"link":2215,"asset":2216,"caption":99,"component":496},"c5e8bc46-7451-43bf-a998-28fd00bf481e",{"id":99,"url":99,"linktype":489,"fieldtype":108,"cached_url":490,"prep":41},{"id":2217,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2218,"copyright":99,"fieldtype":104,"meta_data":2219,"is_external_url":28},218555405333603,"https://a.storyblok.com/f/146026/1671x941/bd54bf81e9/modelo-390-1.png",{"size":2220},"1671x941","Qué es el Modelo 390, quién debe presentarlo, quién queda exonerado y cómo conciliarlo con los modelos 303 y las principales casillas del resumen anual del IVA.",[],[2224],{"_uid":2225,"items":2226,"heading":2297,"component":587},"55a4787c-f921-4881-83c4-ef5b8473e554",[2227,2237,2247,2257,2267,2277,2287],{"_uid":2228,"title":2229,"component":506,"description":2230},"10d29113-a8f5-4b88-8326-e0d65c863aa0","¿Qué es el Modelo 390?",{"type":116,"content":2231},[2232],{"type":119,"attrs":2233,"content":2234},{"textAlign":25},[2235],{"text":2236,"type":125},"El Modelo 390 es la declaración-resumen anual del IVA. Recopila información sobre las operaciones y autoliquidaciones del ejercicio y no implica, por sí mismo, un nuevo pago o devolución.",{"_uid":2238,"title":2239,"component":506,"description":2240},"eab524f8-8182-4ea3-ac1c-2e9c99de0de6","¿Quién debe presentar el Modelo 390?",{"type":116,"content":2241},[2242],{"type":119,"attrs":2243,"content":2244},{"textAlign":25},[2245],{"text":2246,"type":125},"Deben revisar su obligación los sujetos pasivos del IVA que presenten autoliquidaciones periódicas y no estén incluidos en un supuesto de exoneración. La obligación depende del régimen fiscal, la periodicidad y la actividad de la empresa.",{"_uid":2248,"title":2249,"component":506,"description":2250},"22e5cc60-f446-4bb9-adcd-7bad5bcc2e7f","¿Hay que presentar el Modelo 390 si los modelos 303 fueron a cero?",{"type":116,"content":2251},[2252],{"type":119,"attrs":2253,"content":2254},{"textAlign":25},[2255],{"text":2256,"type":125},"La presentación de modelos 303 a cero no determina automáticamente la exoneración. Si la empresa no encaja en una excepción, debe comprobar si mantiene la obligación de presentar el Modelo 390.",{"_uid":2258,"title":2259,"component":506,"description":2260},"6d793610-2298-4bbc-bd6b-25109052b464","¿Cuál es la diferencia entre el Modelo 390 y el Modelo 303?",{"type":116,"content":2261},[2262],{"type":119,"attrs":2263,"content":2264},{"textAlign":25},[2265],{"text":2266,"type":125},"El Modelo 303 es la autoliquidación periódica del IVA. El Modelo 390 es el resumen anual de la información del ejercicio. El 390 no sustituye a los modelos 303 ni funciona como una nueva autoliquidación.",{"_uid":2268,"title":2269,"component":506,"description":2270},"b2916a89-1e60-4a58-9251-61e53cfc7e49","¿Qué se incluye en la casilla 105?",{"type":116,"content":2271},[2272],{"type":119,"attrs":2273,"content":2274},{"textAlign":25},[2275],{"text":2276,"type":125},"La casilla 105 recoge el importe de determinadas operaciones exentas sin derecho a deducción. Debe utilizarse únicamente cuando la operación cumple las condiciones del supuesto de exención correspondiente.",{"_uid":2278,"title":2279,"component":506,"description":2280},"501e47a4-e93b-4b9a-8ccb-13a5830f9ba5","¿Cómo se corrige un error en el Modelo 390?",{"type":116,"content":2281},[2282],{"type":119,"attrs":2283,"content":2284},{"textAlign":25},[2285],{"text":2286,"type":125},"Primero identifica si el error afecta también a un modelo 303 o a los registros contables. Después, revisa las instrucciones de la AEAT para determinar si corresponde presentar una declaración sustitutiva u otra forma de rectificación.",{"_uid":2288,"title":2289,"component":506,"description":2290},"5cc78bc1-0bcd-4d06-a8d4-e11abccc9168","¿Cómo ayuda Spendesk a preparar el Modelo 390?",{"type":116,"content":2291},[2292],{"type":119,"attrs":2293,"content":2294},{"textAlign":25},[2295],{"text":2296,"type":125},"La conciliación del Modelo 390 depende de que cada factura del ejercicio esté registrada en el periodo correcto, con el IVA bien clasificado. Spendesk permite centralizar facturas y justificantes, extraer datos mediante OCR, organizar información contable y de IVA, gestionar aprobaciones y exportar datos a herramientas contables. La empresa o su asesoría debe revisar la información y determinar qué debe declararse en cada casilla.",[2298],{"cta":2299,"_uid":2300,"title":2301,"eyebrow":2307,"subtitle":2312,"component":160,"textAlign":99,"flexibleSection":2317,"sectionSettings":2318,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"882ac242-5c90-41e2-b783-03a067b89050",{"type":116,"content":2302},[2303],{"type":160,"attrs":2304,"content":2305},{"level":162,"textAlign":25},[2306],{"text":574,"type":125},{"type":116,"content":2308},[2309],{"type":119,"attrs":2310,"content":2311},{"textAlign":25},[],{"type":116,"content":2313},[2314],{"type":119,"attrs":2315,"content":2316},{"textAlign":25},[],[],[],"modelo-390","es/blog/modelo-390",-3160,[],"5095905f-518b-4d56-97b7-f9946b641ce4","2026-09-02T13:32:49.570Z",[],"blog/modelo-390",[2328,2329,2330],{"path":2326,"name":25,"lang":37,"published":25},{"path":2326,"name":25,"lang":39,"published":25},{"path":2326,"name":25,"lang":32,"published":25},{"name":2332,"created_at":2333,"published_at":2334,"updated_at":2335,"id":2336,"uuid":2337,"content":2338,"slug":2459,"full_slug":2460,"sort_by_date":25,"position":2461,"tag_list":2462,"is_startpage":28,"parent_id":592,"meta_data":25,"group_id":2463,"first_published_at":2464,"release_id":25,"lang":32,"path":25,"alternates":2465,"default_full_slug":2466,"translated_slugs":2467},"Cómo implementar un programa de tarjetas corporativas: política de gastos, límites y control","2026-09-14T09:05:48.250Z","2026-09-21T13:20:26.436Z","2026-09-21T13:20:26.463Z",219902559274410,"4b4df6a5-780a-41f8-a368-0aed139650fb",{"_uid":2339,"title":2332,"topics":2340,"noIndex":28,"category":2360,"language":2369,"component":467,"heroMedia":2370,"metaTitle":2371,"publishedAt":2372,"readingTime":2211,"redirectUrl":99,"listingImage":2373,"metaDescription":2381,"bottomArticleCta":2382,"componentsAfterTheArticle":2383},"f36db74d-6f08-44a3-acef-63fdccdef25d",[2341],{"name":2342,"created_at":2343,"published_at":2344,"updated_at":2345,"id":2346,"uuid":2347,"content":2348,"slug":2350,"full_slug":2351,"sort_by_date":25,"position":2187,"tag_list":2352,"is_startpage":28,"parent_id":2189,"meta_data":25,"group_id":2353,"first_published_at":2191,"release_id":25,"lang":32,"path":25,"alternates":2354,"default_full_slug":2355,"translated_slugs":2356,"_stopResolving":41},"Tarjetas corporativas","2023-06-12T15:33:35.921Z","2026-09-29T09:14:33.580Z","2026-09-29T09:14:33.597Z",322866206,"cafbe56c-ef03-4bba-bfd8-d36612a3b495",{"_uid":2184,"name":2349,"component":22},"Presupuestos","tarjetas-corporativas","es/blog/topic/tarjetas-corporativas",[],"289b524b-127a-48cf-af62-6eec2947150d",[],"blog/topic/tarjetas-corporativas",[2357,2358,2359],{"path":2355,"name":25,"lang":37,"published":25},{"path":2355,"name":25,"lang":39,"published":25},{"path":2355,"name":25,"lang":32,"published":25},{"name":455,"created_at":456,"published_at":16,"updated_at":457,"id":458,"uuid":459,"content":2361,"slug":467,"full_slug":468,"sort_by_date":25,"position":52,"tag_list":2363,"is_startpage":28,"parent_id":470,"meta_data":25,"group_id":471,"first_published_at":472,"release_id":25,"lang":32,"path":25,"alternates":2364,"default_full_slug":474,"translated_slugs":2365,"_stopResolving":41},{"_uid":461,"icon":2362,"name":455,"component":466},{"id":463,"alt":464,"name":99,"focus":99,"title":99,"filename":465,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2366,2367,2368],{"path":474,"name":25,"lang":37,"published":25},{"path":474,"name":25,"lang":39,"published":25},{"path":474,"name":25,"lang":32,"published":25},[32],[],"Cómo implementar un programa de tarjetas corporativas: polít","2026-09-07 00:00",[2374],{"_uid":2375,"link":2376,"asset":2377,"caption":99,"component":496},"c2cb6e46-ad77-48f2-ab3e-b6554d050481",{"id":99,"url":99,"linktype":489,"fieldtype":108,"cached_url":490,"prep":41},{"id":2378,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2379,"copyright":99,"fieldtype":104,"meta_data":2380,"is_external_url":28},222442221631709,"https://a.storyblok.com/f/146026/1672x941/a2bfffebb8/programa-de-tarjetas-corporativas.png",{},"Cómo implementar un programa de tarjetas corporativas en España: política de gastos, tarjetas físicas y virtuales, límites, aprobaciones y control contable.",[],[2384],{"_uid":2385,"items":2386,"heading":2437,"component":587},"f1232b6d-1219-420e-a856-7ac921bcb937",[2387,2397,2407,2417,2427],{"_uid":2388,"title":2389,"component":506,"description":2390},"00fcc00e-7b6f-4ea0-a40e-031229f1fd67","¿Qué es un programa de tarjetas corporativas?",{"type":116,"content":2391},[2392],{"type":119,"attrs":2393,"content":2394},{"textAlign":25},[2395],{"text":2396,"type":125},"Es un sistema para gestionar los pagos de la empresa mediante una política de gastos, tarjetas físicas o virtuales, límites, aprobaciones y control de la documentación. Su función es mejorar la trazabilidad y ordenar el proceso desde la solicitud o el pago hasta la revisión contable.",{"_uid":2398,"title":2399,"component":506,"description":2400},"502ec7fe-536f-4fc2-a8f8-1a798b68903e","¿Qué diferencia hay entre una tarjeta corporativa de crédito y una tarjeta prepago o de débito?",{"type":116,"content":2401},[2402],{"type":119,"attrs":2403,"content":2404},{"textAlign":25},[2405],{"text":2406,"type":125},"La tarjeta de crédito utiliza una línea de crédito y permite aplazar el pago según las condiciones de la entidad emisora. Las tarjetas prepago o de débito no funcionan necesariamente con ese mismo esquema de financiación. La opción adecuada depende de la tesorería, los controles y las necesidades operativas de la empresa.",{"_uid":2408,"title":2409,"component":506,"description":2410},"e22f8085-0e57-4ced-bde0-8ae2f7fb6b5d","¿Qué debe incluir una política de gastos?",{"type":116,"content":2411},[2412],{"type":119,"attrs":2413,"content":2414},{"textAlign":25},[2415],{"text":2416,"type":125},"Debe indicar quién puede utilizar una tarjeta, qué compras están permitidas, qué límites se aplican, qué gastos necesitan aprobación y qué justificantes deben aportarse. También conviene definir cómo se gestionan las excepciones y los gastos no previstos.",{"_uid":2418,"title":2419,"component":506,"description":2420},"c7944eda-a63e-4b02-9c6f-234c7bba0723","¿Cómo puede ayudar Spendesk a gestionar un programa de tarjetas corporativas?",{"type":116,"content":2421},[2422],{"type":119,"attrs":2423,"content":2424},{"textAlign":25},[2425],{"text":2426,"type":125},"Spendesk reúne tarjetas físicas y virtuales con controles de gasto, flujos de aprobación y funciones para capturar y organizar justificantes. También puede preparar información para los procesos contables, según las integraciones y la configuración contratada. La empresa mantiene la responsabilidad de revisar el tratamiento fiscal y contable de sus operaciones.",{"_uid":2428,"title":2429,"component":506,"description":2430},"313cd4a4-0744-4702-af66-f35044951477","¿Por dónde empezar a implantar un programa de tarjetas corporativas?",{"type":116,"content":2431},[2432],{"type":119,"attrs":2433,"content":2434},{"textAlign":25},[2435],{"text":2436,"type":125},"Lo recomendable es comenzar con un piloto, definir la política, configurar los límites y aprobaciones, emitir las tarjetas necesarias y revisar las primeras transacciones. 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Cuando varias personas gastan con tarjeta y llegan facturas cada semana, úsala como plan y haz el seguimiento con una herramienta conectada a los pagos.",{"_uid":2538,"hide":28,"title":2539,"component":506,"description":2540},"23bb4593-0fbf-4a60-a723-37056dc5bd89","¿Cómo comparar el gasto real con el presupuesto previsto?",{"type":116,"attrs":2541,"content":2542},{"backgroundColor":25},[2543],{"type":119,"attrs":2544,"content":2545},{"textAlign":25},[2546],{"text":2547,"type":125},"Asigna cada pago a una partida con sus cuatro etiquetas y revisa la diferencia una vez por semana. Así detectas las desviaciones cuando aún puedes mover dinero entre partidas.",{"_uid":2549,"hide":28,"title":2550,"component":506,"description":2551},"992cb062-7826-4016-bbf9-c281e4273f65","¿Cómo controlar las suscripciones de software de marketing?",{"type":116,"attrs":2552,"content":2553},{"backgroundColor":25},[2554],{"type":119,"attrs":2555,"content":2556},{"textAlign":25},[2557],{"text":2558,"type":125},"Paga cada herramienta con su propia tarjeta virtual y un responsable asignado. 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Con datos en vivo, esa reunión de 30 minutos se dedica a decidir reasignaciones.",{"_uid":2675,"hide":28,"title":2676,"component":506,"description":2677},"bba79f0b-6b67-4991-bd15-049529b25433","¿Se puede hacer seguimiento del presupuesto por entidad en un grupo de empresas?",{"type":116,"attrs":2678,"content":2679},{"backgroundColor":25},[2680],{"type":119,"attrs":2681,"content":2682},{"textAlign":25},[2683],{"text":2684,"type":125},"Sí, siempre que cada gasto se impute a su sociedad en el momento de la compra. 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