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sobre la gestion de facturas: recepcion, aprobacion y pago de facturas de proveedores con menos trabajo manual.","a2c58a16-f495-475f-951f-05171468aae4","facturas","es/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[165,166,167],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"type":116,"content":169},[170,175,182,188,194,218,224,229,235,320,326,331,336,372,377,386,395,404,410,417,449,457,485,497,511,516,522,534,546,565,576,581,587,601,607,613,619,625,630,636,648,659,671,682,707],{"type":119,"attrs":171,"content":172},{"textAlign":25,"key":121},[173],{"text":174,"type":125},"Cada cierre mensual se repite la misma rutina: descargar extractos bancarios, abrir el libro mayor y cruzar movimientos uno a uno hasta encontrar por qué los saldos no cuadran. Un recibo sin registrar, una transferencia pendiente de compensar, una comisión bancaria que nadie anotó. Para equipos de finanzas de pymes con SII u otras obligaciones ante la AEAT, cada error de conciliación puede convertirse en un problema de reporte de IVA. Si te preguntas qué es una conciliación bancaria, en este artículo definimos el concepto, la recorremos con un ejemplo numérico completo y explicamos cómo automatizarla con un software de gestión de gastos que integra bank-feeds y matching de justificantes.",{"type":176,"attrs":177,"content":179},"heading",{"level":178,"textAlign":25},2,[180],{"text":181,"type":125},"Qué es la conciliación bancaria y por qué importa al cierre mensual",{"type":119,"attrs":183,"content":185},{"textAlign":25,"key":184},"p-1",[186],{"text":187,"type":125},"La conciliación bancaria es el proceso de comparar el saldo que refleja el extracto del banco con el saldo que aparece en los registros contables internos de la empresa. El objetivo es identificar diferencias, entender su origen y corregirlas antes de cerrar el período.",{"type":119,"attrs":189,"content":191},{"textAlign":25,"key":190},"p-2",[192],{"text":193,"type":125},"El proceso cubre todos los tipos de movimiento: pagos con tarjeta corporativa, facturas de proveedores, reembolsos a empleados, comisiones bancarias y transferencias entre cuentas propias. Cada uno de estos flujos puede generar discrepancias si el momento del registro en contabilidad no coincide con el momento en que el banco procesa la operación.",{"type":119,"attrs":195,"content":197},{"textAlign":25,"key":196},"p-3",[198,200,208,210,216],{"text":199,"type":125},"En España, las empresas acogidas al ",{"text":201,"type":125,"marks":202},"SII (Suministro Inmediato de Información)",[203],{"type":204,"attrs":205},"link",{"href":206,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/iva/suministro-inmediato-informacion/informacion-general.html","_blank",{"text":209,"type":125}," deben comunicar a la AEAT las operaciones de IVA en un plazo máximo de cuatro días. Si la conciliación bancaria acumula errores, los libros registro de IVA heredan esas inexactitudes, y el riesgo de una incidencia en el reporte ante la AEAT aumenta. La conciliación no es un requisito legal en sí misma, pero es el cimiento sobre el que se construyen los cierres contables y las declaraciones fiscales. De hecho, una conciliación precisa es lo que permite un ",{"text":211,"type":125,"marks":212},"cierre de mes",[213],{"type":204,"attrs":214},{"href":215,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":217,"type":125}," sin sorpresas.",{"type":119,"attrs":219,"content":221},{"textAlign":25,"key":220},"p-4",[222],{"text":223,"type":125},"Piensa en una controller de una empresa de 120 empleados que llega al cierre de marzo y descubre que tres comisiones bancarias y un pago a proveedor no están en el sistema contable. Hasta que no localiza esos cuatro movimientos, no puede validar el saldo ni enviar los datos al asesor fiscal. El cierre se retrasa dos días.",{"type":176,"attrs":225,"content":226},{"level":178,"textAlign":25},[227],{"text":228,"type":125},"Cómo hacer una conciliación bancaria contable paso a paso",{"type":119,"attrs":230,"content":232},{"textAlign":25,"key":231},"p-5",[233],{"text":234,"type":125},"El proceso sigue una secuencia lógica que puedes repetir cada mes, o cada semana si el volumen de transacciones lo justifica.",{"type":236,"content":237},"ordered_list",[238,252,264,276,288,300],{"type":239,"content":240},"list_item",[241],{"type":119,"attrs":242,"content":244},{"textAlign":25,"key":243},"p-6",[245,250],{"text":246,"type":125,"marks":247},"Recopilar los extractos bancarios del período.",[248],{"type":249},"bold",{"text":251,"type":125}," Descarga el extracto de cada cuenta bancaria que utilice la empresa. Si trabajas con más de un banco, necesitarás un extracto por cuenta.",{"type":239,"content":253},[254],{"type":119,"attrs":255,"content":257},{"textAlign":25,"key":256},"p-7",[258,262],{"text":259,"type":125,"marks":260},"Extraer los asientos del libro mayor.",[261],{"type":249},{"text":263,"type":125}," Filtra los movimientos del mismo período en tu software contable (Sage, A3, Holded o el que uses). El objetivo es tener ambas fuentes alineadas temporalmente.",{"type":239,"content":265},[266],{"type":119,"attrs":267,"content":269},{"textAlign":25,"key":268},"p-8",[270,274],{"text":271,"type":125,"marks":272},"Cruzar cada movimiento bancario con su asiento contable.",[273],{"type":249},{"text":275,"type":125}," Marca como conciliados los que coincidan en importe, fecha y concepto. Los que no tengan contrapartida quedan pendientes.",{"type":239,"content":277},[278],{"type":119,"attrs":279,"content":281},{"textAlign":25,"key":280},"p-9",[282,286],{"text":283,"type":125,"marks":284},"Identificar las partidas no conciliadas.",[285],{"type":249},{"text":287,"type":125}," Clasifica cada diferencia: comisión bancaria no registrada, transferencia pendiente de compensar, ingreso no contabilizado, pago duplicado o error de importe.",{"type":239,"content":289},[290],{"type":119,"attrs":291,"content":293},{"textAlign":25,"key":292},"p-10",[294,298],{"text":295,"type":125,"marks":296},"Registrar los asientos de ajuste.",[297],{"type":249},{"text":299,"type":125}," Cada partida pendiente necesita un asiento corrector: anotar la comisión, registrar el ingreso o revertir el duplicado.",{"type":239,"content":301},[302],{"type":119,"attrs":303,"content":305},{"textAlign":25,"key":304},"p-11",[306,310,312,318],{"text":307,"type":125,"marks":308},"Verificar que los saldos ajustados coinciden.",[309],{"type":249},{"text":311,"type":125}," Tras los ajustes, el saldo en libros y el saldo bancario deben ser idénticos, lo que te permite avanzar hacia el ",{"text":313,"type":125,"marks":314},"cierre contable",[315],{"type":204,"attrs":316},{"href":317,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/cierre-contable/",{"text":319,"type":125}," con confianza. Si no lo son, revisa las partidas pendientes de nuevo.",{"type":119,"attrs":321,"content":323},{"textAlign":25,"key":322},"p-12",[324],{"text":325,"type":125},"Un  responsable de administración que dedica cada primer lunes del mes a esta tarea suele empezar descargando el extracto bancario, abrirlo junto al libro mayor en Sage y marcar línea por línea en una hoja de cálculo compartida los movimientos que no cuadran. Con 200 transacciones mensuales, el proceso le ocupa entre cuatro y seis horas.",{"type":176,"attrs":327,"content":328},{"level":178,"textAlign":25},[329],{"text":330,"type":125},"Conciliación bancaria con ejemplo práctico",{"type":119,"attrs":332,"content":333},{"textAlign":25,"key":121},[334],{"text":335,"type":125},"Veamos un ejemplo práctico de conciliación bancaria con números reales. Supongamos una empresa con los siguientes datos al cierre de abril:",{"type":337,"content":338},"bullet_list",[339,350,361],{"type":239,"content":340},[341],{"type":119,"attrs":342,"content":343},{"textAlign":25,"key":184},[344,348],{"text":345,"type":125,"marks":346},"Saldo en libros (contabilidad):",[347],{"type":249},{"text":349,"type":125}," 15.240,00 €",{"type":239,"content":351},[352],{"type":119,"attrs":353,"content":354},{"textAlign":25,"key":190},[355,359],{"text":356,"type":125,"marks":357},"Saldo bancario (extracto):",[358],{"type":249},{"text":360,"type":125}," 14.870,00 €",{"type":239,"content":362},[363],{"type":119,"attrs":364,"content":365},{"textAlign":25,"key":196},[366,370],{"text":367,"type":125,"marks":368},"Diferencia:",[369],{"type":249},{"text":371,"type":125}," 370,00 €",{"type":119,"attrs":373,"content":374},{"textAlign":25,"key":220},[375],{"text":376,"type":125},"El equipo de finanzas necesita explicar esos 370,00 € de diferencia. Al revisar las partidas pendientes, identifica tres discrepancias:",{"type":119,"attrs":378,"content":379},{"textAlign":25,"key":231},[380,384],{"text":381,"type":125,"marks":382},"1. Comisión bancaria de 45,00 € no registrada en contabilidad.",[383],{"type":249},{"text":385,"type":125}," El banco cobró una comisión de mantenimiento que no se anotó en el libro mayor. El saldo en libros está sobrevalorado en 45,00 €.",{"type":119,"attrs":387,"content":388},{"textAlign":25,"key":243},[389,393],{"text":390,"type":125,"marks":391},"2. Cheque pendiente de 1.200,00 €.",[392],{"type":249},{"text":394,"type":125}," La empresa emitió un cheque a un proveedor y lo registró en contabilidad, pero el banco aún no lo ha compensado. El saldo bancario no refleja todavía esa salida.",{"type":119,"attrs":396,"content":397},{"textAlign":25,"key":256},[398,402],{"text":399,"type":125,"marks":400},"3. Ingreso de cliente de 875,00 € no contabilizado.",[401],{"type":249},{"text":403,"type":125}," Un cliente realizó una transferencia que aparece en el extracto bancario, pero el equipo de administración no la registró en el sistema contable.",{"type":176,"attrs":405,"content":407},{"level":406,"textAlign":25},3,[408],{"text":409,"type":125},"Ajustes",{"type":119,"attrs":411,"content":412},{"textAlign":25,"key":268},[413],{"text":414,"type":125,"marks":415},"Ajustes en el saldo en libros:",[416],{"type":249},{"type":337,"content":418},[419,426,433,440],{"type":239,"content":420},[421],{"type":119,"attrs":422,"content":423},{"textAlign":25,"key":280},[424],{"text":425,"type":125},"Saldo inicial: 15.240,00 €",{"type":239,"content":427},[428],{"type":119,"attrs":429,"content":430},{"textAlign":25,"key":292},[431],{"text":432,"type":125},"Menos comisión bancaria: -45,00 €",{"type":239,"content":434},[435],{"type":119,"attrs":436,"content":437},{"textAlign":25,"key":304},[438],{"text":439,"type":125},"Más ingreso de cliente: +875,00 €",{"type":239,"content":441},[442],{"type":119,"attrs":443,"content":444},{"textAlign":25,"key":322},[445],{"text":446,"type":125,"marks":447},"Saldo ajustado en libros: 16.070,00 €",[448],{"type":249},{"type":119,"attrs":450,"content":452},{"textAlign":25,"key":451},"p-13",[453],{"text":454,"type":125,"marks":455},"Ajustes en el saldo bancario:",[456],{"type":249},{"type":337,"content":458},[459,467,475],{"type":239,"content":460},[461],{"type":119,"attrs":462,"content":464},{"textAlign":25,"key":463},"p-14",[465],{"text":466,"type":125},"Saldo inicial: 14.870,00 €",{"type":239,"content":468},[469],{"type":119,"attrs":470,"content":472},{"textAlign":25,"key":471},"p-15",[473],{"text":474,"type":125},"Más cheque pendiente (se sumará cuando el banco lo compense): +1.200,00 €",{"type":239,"content":476},[477],{"type":119,"attrs":478,"content":480},{"textAlign":25,"key":479},"p-16",[481],{"text":482,"type":125,"marks":483},"Saldo bancario ajustado: 16.070,00 €",[484],{"type":249},{"type":119,"attrs":486,"content":488},{"textAlign":25,"key":487},"p-17",[489,491,495],{"text":490,"type":125},"Ambos saldos coinciden en ",{"text":492,"type":125,"marks":493},"16.070,00 €",[494],{"type":249},{"text":496,"type":125},". La conciliación está completa.",{"type":119,"attrs":498,"content":500},{"textAlign":25,"key":499},"p-18",[501,503,509],{"text":502,"type":125},"Aunque existen muchos ejemplos de conciliación bancaria, este tipo de revisión con tres o cuatro partidas pendientes es habitual en una pyme con entre 50 y 200 transacciones mensuales. Cuando el volumen crece a 300 o 500 operaciones, las discrepancias se multiplican y el tiempo de revisión se dispara, complicando también el ",{"text":504,"type":125,"marks":505},"cierre anual",[506],{"type":204,"attrs":507},{"href":508,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/cierre-anual/",{"text":510,"type":125},".",{"type":176,"attrs":512,"content":513},{"level":178,"textAlign":25},[514],{"text":515,"type":125},"Los descuadres más frecuentes y cómo resolverlos",{"type":119,"attrs":517,"content":519},{"textAlign":25,"key":518},"p-19",[520],{"text":521,"type":125},"Aunque cada empresa tiene su propia casuística, los descuadres que más se repiten siguen un patrón claro.",{"type":119,"attrs":523,"content":525},{"textAlign":25,"key":524},"p-20",[526,528,532],{"text":527,"type":125},"Las ",{"text":529,"type":125,"marks":530},"comisiones bancarias no registradas",[531],{"type":249},{"text":533,"type":125}," son la causa más común. Comisiones de mantenimiento, comisiones por transferencias internacionales o gastos por devolución de recibos aparecen en el extracto bancario pero no se anotan en contabilidad hasta que alguien las detecta. La solución es sencilla: registrar el asiento en cuanto se identifica y, si es posible, configurar una alerta en el software contable para que avise cuando el banco aplique un cargo nuevo.",{"type":119,"attrs":535,"content":537},{"textAlign":25,"key":536},"p-21",[538,540,544],{"text":539,"type":125},"Los ",{"text":541,"type":125,"marks":542},"cheques o transferencias pendientes",[543],{"type":249},{"text":545,"type":125}," generan confusión porque la empresa ya los registró como pago, pero el banco todavía no los ha procesado. Un director de administración y finanzas (DAF) que revisa la conciliación puede ver un saldo bancario aparentemente superior al esperado simplemente porque dos transferencias SEPA tardan 48 horas en liquidarse. La clave es anotar estas partidas como pendientes y verificar su compensación en el siguiente extracto.",{"type":119,"attrs":547,"content":549},{"textAlign":25,"key":548},"p-22",[550,551,555,557,563],{"text":539,"type":125},{"text":552,"type":125,"marks":553},"pagos duplicados",[554],{"type":249},{"text":556,"type":125}," son menos frecuentes pero más costosos. Ocurren cuando el mismo pago a proveedor se ejecuta desde el ERP y, en paralelo, desde la banca online. Un DAF descubre que la misma factura de 3.400,00 € se pagó dos veces en la misma semana porque un miembro del equipo inició la transferencia desde el portal bancario sin saber que ya estaba programada en el sistema. La prevención pasa por centralizar la ejecución de pagos en una sola herramienta, especialmente al tramitar ",{"text":558,"type":125,"marks":559},"facturas de proveedores",[560],{"type":204,"attrs":561},{"href":562,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":564,"type":125}," con procesos distintos.",{"type":119,"attrs":566,"content":568},{"textAlign":25,"key":567},"p-23",[569,570,574],{"text":539,"type":125},{"text":571,"type":125,"marks":572},"errores de importe",[573],{"type":249},{"text":575,"type":125}," suelen venir de redondeos o de un cálculo incorrecto de IVA. Si una factura se registró con un IVA del 21 % pero el pago incluye solo el neto, el descuadre aparece en la conciliación.",{"type":176,"attrs":577,"content":578},{"level":178,"textAlign":25},[579],{"text":580,"type":125},"Conciliación bancaria automatizada: del Excel al software",{"type":119,"attrs":582,"content":584},{"textAlign":25,"key":583},"p-24",[585],{"text":586,"type":125},"La conciliación manual con hojas de cálculo funciona mientras el volumen sea bajo. Pero cuando una empresa procesa más de 200 transacciones al mes entre tarjetas corporativas, facturas de proveedores y reembolsos, las hojas de cálculo dejan de escalar. Los errores de fórmula, las versiones desactualizadas y la entrada manual de datos se acumulan.",{"type":119,"attrs":588,"content":590},{"textAlign":25,"key":589},"p-25",[591,593,599],{"text":592,"type":125},"La automatización empieza con la integración de bank-feeds: los movimientos bancarios fluyen directamente al software de gestión, eliminando la descarga manual de extractos. Combinar esto con una ",{"text":594,"type":125,"marks":595},"gestión de facturas",[596],{"type":204,"attrs":597},{"href":598,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":600,"type":125}," centralizada multiplica el efecto. Cada transacción llega con su importe, fecha y referencia, lista para cruzarse contra los registros internos.",{"type":119,"attrs":602,"content":604},{"textAlign":25,"key":603},"p-26",[605],{"text":606,"type":125},"El segundo pilar es el matching automático de justificantes. El OCR captura los datos del justificante (importe, fecha, proveedor, tipo de IVA) y los empareja con la transacción correspondiente. En lugar de buscar recibos en bandejas de correo o carpetas compartidas, el sistema los vincula en el momento en que el empleado los sube.",{"type":119,"attrs":608,"content":610},{"textAlign":25,"key":609},"p-27",[611],{"text":612,"type":125},"El tercer nivel es el gasto pre-aprobado. Cuando cada transacción nace con un presupuesto asignado, un código contable y una aprobación previa, la conciliación posterior tiene poco que corregir. El trabajo del equipo de finanzas pasa de detectar errores a gestionar excepciones.",{"type":119,"attrs":614,"content":616},{"textAlign":25,"key":615},"p-28",[617],{"text":618,"type":125},"Una plataforma de gestión de gastos como Spendesk unifica tarjetas corporativas, facturas y reembolsos en un solo panel. 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Antes de elegir, valora estas capacidades en función de las necesidades de tu empresa.",{"type":119,"attrs":637,"content":639},{"textAlign":25,"key":638},"p-31",[640,642,646],{"text":641,"type":125},"La ",{"text":643,"type":125,"marks":644},"integración con bancos españoles",[645],{"type":249},{"text":647,"type":125}," es el punto de partida. Sin bank-feeds nativos, seguirás descargando extractos a mano. Verifica que el software se conecta con tus entidades financieras y recibe movimientos en tiempo real o con frecuencia diaria.",{"type":119,"attrs":649,"content":651},{"textAlign":25,"key":650},"p-32",[652,653,657],{"text":641,"type":125},{"text":654,"type":125,"marks":655},"categorización automática de IVA y mapeo de cuentas contables",[656],{"type":249},{"text":658,"type":125}," reduce la carga de trabajo más repetitiva. Si el sistema reconoce el tipo de IVA (21 %, 10 %, 4 %) y asigna el asiento al plan contable correcto, el equipo de finanzas se ahorra cientos de asignaciones manuales cada mes.",{"type":119,"attrs":660,"content":662},{"textAlign":25,"key":661},"p-33",[663,665,669],{"text":664,"type":125},"El ",{"text":666,"type":125,"marks":667},"soporte multientidad",[668],{"type":249},{"text":670,"type":125}," importa si tu empresa opera con varias sociedades o delegaciones. Conciliar cada entidad por separado con diferentes herramientas de software para conciliar cuentas bancarias multiplica el trabajo; un sistema unificado consolida la visión.",{"type":119,"attrs":672,"content":674},{"textAlign":25,"key":673},"p-34",[675,676,680],{"text":641,"type":125},{"text":677,"type":125,"marks":678},"compatibilidad con software contable español",[679],{"type":249},{"text":681,"type":125}," (Sage, A3, Holded) garantiza que los datos fluyan sin fricciones hasta la gestoría o el equipo contable interno.",{"type":119,"attrs":683,"content":685},{"textAlign":25,"key":684},"p-35",[686,687,691,697,699,705],{"text":641,"type":125},{"text":688,"type":125,"marks":689},"trazabilidad para SII y ",[690],{"type":249},{"text":692,"type":125,"marks":693},"**VERI*FACTU**",[694],{"type":204,"attrs":695},{"href":696,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/iva/sistemas-informaticos-facturacion-verifactu.html",{"text":698,"type":125}," va a ganar importancia. A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR verificables por la AEAT, en línea con la ",{"text":700,"type":125,"marks":701},"factura electrónica",[702],{"type":204,"attrs":703},{"href":704,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/factura-electronica/",{"text":706,"type":125}," obligatoria. Un software de conciliación preparado para este cambio facilita la auditoría de cada movimiento.",{"type":119,"attrs":708,"content":710},{"textAlign":25,"key":709},"p-36",[711],{"text":712,"type":125},"Un director financiero que evalúa herramientas descubre que una plataforma de gestión de gastos integrada como Spendesk sustituye tres sistemas separados (programa de tarjetas, aplicación de gastos, herramienta de facturación) y elimina la necesidad de conciliar entre ellos. Un solo origen de datos simplifica la conciliación con el banco.",{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":719,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":728,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":732,"default_full_slug":733,"translated_slugs":734,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":720,"icon":721,"name":714,"component":725},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":722,"alt":723,"name":99,"focus":99,"title":99,"filename":724,"copyright":99,"fieldtype":104,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[735,736,737],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Conciliación bancaria: qué es, ejemplo práctico y cómo autom",[],"2026-06-28 00:00","11",[745],{"_uid":746,"asset":747,"caption":99,"component":751},"5bce087f-87f5-4cc0-9273-66bf36c1e1cf",{"id":748,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":749,"copyright":99,"fieldtype":104,"meta_data":750,"is_external_url":28},198314222330707,"https://a.storyblok.com/f/146026/2752x1536/e59e6d4a0f/spendesk_blog_cover_conciliacion_bancaria.jpg",{},"image","Aprende qué es la conciliación bancaria, sigue un ejemplo numérico paso a paso y descubre cómo automatizarla para acelerar el cierre mensual de tu empresa.",[],[755],{"_uid":756,"items":757,"heading":817,"component":840},"f710724d-656b-444b-b6f5-476932443755",[758,769,787,797,807],{"_uid":759,"title":760,"component":761,"description":762},"18ad2208-7f0d-4647-b729-db5c5169fe66","¿Es obligatoria la conciliación bancaria en España?","faqItem",{"type":116,"content":763},[764],{"type":119,"attrs":765,"content":766},{"textAlign":25,"key":121},[767],{"text":768,"type":125},"No es un requisito legal directo. Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":770,"title":771,"component":761,"description":772},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":116,"content":773},[774],{"type":119,"attrs":775,"content":776},{"textAlign":25,"key":121},[777,779,785],{"text":778,"type":125},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":780,"type":125,"marks":781},"objetivos financieros",[782],{"type":204,"attrs":783},{"href":784,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":786,"type":125}," del equipo ayuda a mantener la disciplina. Las empresas con más de 300 transacciones al mes se benefician de una conciliación semanal o incluso diaria si usan software automatizado de conciliación bancaria.",{"_uid":788,"title":789,"component":761,"description":790},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":116,"content":791},[792],{"type":119,"attrs":793,"content":794},{"textAlign":25,"key":121},[795],{"text":796,"type":125},"La manual compara extractos bancarios contra el libro mayor en una hoja de cálculo, línea por línea. La automatizada conecta los flujos bancarios directamente con el sistema contable, reduce errores de transcripción y acelera el cierre hasta cuatro veces.",{"_uid":798,"title":799,"component":761,"description":800},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":116,"content":801},[802],{"type":119,"attrs":803,"content":804},{"textAlign":25,"key":121},[805],{"text":806,"type":125},"Contasol permite importar extractos bancarios y compararlos con asientos contables. Para empresas con múltiples métodos de pago (tarjetas, facturas, reembolsos), un software de gestión de gastos integrado ofrece una conciliación más completa al unificar todos los flujos en un solo panel.",{"_uid":808,"title":809,"component":761,"description":810},"6727b8b0-d181-4b45-baf3-2584a0c54ec5","¿Cómo afecta VERI*FACTU a la conciliación bancaria?",{"type":116,"content":811},[812],{"type":119,"attrs":813,"content":814},{"textAlign":25,"key":121},[815],{"text":816,"type":125},"A partir de 2027, el software de facturación deberá cumplir los requisitos de VERI*FACTU, generando facturas con huella digital y código QR registrados en tiempo real ante la AEAT. 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En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":2528,"title":2529,"component":761,"description":2530},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":116,"content":2531},[2532],{"type":119,"attrs":2533,"content":2534},{"textAlign":25},[2535],{"text":2536,"type":125},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":2538,"title":2539,"component":761,"description":2540},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":116,"content":2541},[2542],{"type":119,"attrs":2543,"content":2544},{"textAlign":25},[2545],{"text":2546,"type":125},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":2548,"title":2549,"component":761,"description":2550},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":116,"content":2551},[2552],{"type":119,"attrs":2553,"content":2554},{"textAlign":25},[2555,2557,2563,2565,2571],{"text":2556,"type":125},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":2558,"type":125,"marks":2559},"conciliación",[2560],{"type":204,"attrs":2561},{"href":2562,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":2564,"type":125},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":2566,"type":125,"marks":2567},"visita spendesk.com/es/",[2568],{"type":204,"attrs":2569},{"href":2570,"uuid":25,"anchor":25,"target":207,"linktype":107},"https://www.spendesk.com/es/",{"text":510,"type":125},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1780,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02","2026-06-02T11:11:52.472Z",[],"blog/calculo-periodo-medio-pago-proveedores",[2581,2582,2583],{"path":2579,"name":25,"lang":37,"published":25},{"path":2579,"name":25,"lang":39,"published":25},{"path":2579,"name":25,"lang":32,"published":25},{"name":2585,"created_at":2586,"published_at":2587,"updated_at":2588,"id":2589,"uuid":2590,"content":2591,"slug":2700,"full_slug":2701,"sort_by_date":25,"position":2702,"tag_list":2703,"is_startpage":28,"parent_id":845,"meta_data":25,"group_id":2704,"first_published_at":2705,"release_id":25,"lang":32,"path":25,"alternates":2706,"default_full_slug":2707,"translated_slugs":2708},"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","2026-11-03T12:15:27.897Z","2026-11-03T12:15:27.925Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":2592,"title":2585,"topics":2593,"noIndex":28,"category":2602,"language":2611,"component":726,"heroMedia":2612,"metaTitle":2613,"publishedAt":2614,"readingTime":2468,"redirectUrl":99,"listingImage":2615,"metaDescription":2622,"bottomArticleCta":2623,"componentsAfterTheArticle":2624},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[2594],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2595,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2596,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2597,"default_full_slug":163,"translated_slugs":2598,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2599,2600,2601],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2603,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2605,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2606,"default_full_slug":733,"translated_slugs":2607,"_stopResolving":41},{"_uid":720,"icon":2604,"name":714,"component":725},{"id":722,"alt":723,"name":99,"focus":99,"title":99,"filename":724,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2608,2609,2610],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[2616],{"_uid":2617,"asset":2618,"caption":99,"component":751},"71b7f715-948b-4a24-8379-000055d9922b",{"id":2619,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2620,"copyright":99,"fieldtype":104,"meta_data":2621,"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",[],[2625],{"_uid":2626,"items":2627,"heading":2678,"component":840},"392b2cba-2459-4fae-9ca3-82a370a248fc",[2628,2638,2648,2658,2668],{"_uid":2629,"title":2630,"component":761,"description":2631},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":116,"content":2632},[2633],{"type":119,"attrs":2634,"content":2635},{"textAlign":25},[2636],{"text":2637,"type":125},"A través del Modelo 170, la AEAT recibe datos de todos los cargos, abonos y retiradas de efectivo de tarjetas con operaciones superiores a 25.000 euros anuales. La empresa debe conservar los justificantes de cada gasto durante cuatro años a efectos fiscales y seis años a efectos mercantiles.",{"_uid":2639,"title":2640,"component":761,"description":2641},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":116,"content":2642},[2643],{"type":119,"attrs":2644,"content":2645},{"textAlign":25},[2646],{"text":2647,"type":125},"El vehículo de empresa se valora al 20 % anual de su coste de adquisición. El seguro médico está exento hasta 500 euros por persona y año; el exceso es retribución en especie sujeta al IRPF. Ambos se declaran trimestralmente en el Modelo 111 y anualmente en el Modelo 190.",{"_uid":2649,"title":2650,"component":761,"description":2651},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":116,"content":2652},[2653],{"type":119,"attrs":2654,"content":2655},{"textAlign":25},[2656],{"text":2657,"type":125},"Las discrepancias entre los datos del Modelo 170 y las declaraciones de la empresa activan alertas automáticas de comprobación en la AEAT. La falta de justificantes puede derivar en sanciones de entre el 50 % y el 150 % de la cuota no ingresada conforme a la Ley General Tributaria, además de la reclasificación de gastos como retribuciones en especie no declaradas.",{"_uid":2659,"title":2660,"component":761,"description":2661},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":116,"content":2662},[2663],{"type":119,"attrs":2664,"content":2665},{"textAlign":25},[2666],{"text":2667,"type":125},"Es una declaración informativa anual que presentan las entidades financieras, no la empresa. Recoge todas las operaciones con tarjeta (cargos, abonos, retiradas de efectivo, gastos en comercios) de titulares cuyo volumen supere los 25.000 euros anuales.",{"_uid":2669,"title":2670,"component":761,"description":2671},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":116,"content":2672},[2673],{"type":119,"attrs":2674,"content":2675},{"textAlign":25},[2676],{"text":2677,"type":125},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la 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También pueden deberse a entregas parciales, cargos adicionales, facturas duplicadas o ausencia de una referencia de compra.",{"_uid":2769,"title":2770,"component":761,"description":2771},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":116,"content":2772},[2773],{"type":119,"attrs":2774,"content":2775},{"textAlign":25},[2776],{"text":2777,"type":125},"La factura debe pasar a revisión antes de continuar al pago, según la política de la empresa. El responsable puede confirmar si existe una entrega pendiente, corregir el pedido, solicitar una factura rectificativa o aprobar la diferencia cuando esté justificada.",{"_uid":2779,"title":2780,"component":761,"description":2781},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":116,"content":2782},[2783],{"type":119,"attrs":2784,"content":2785},{"textAlign":25},[2786],{"text":2787,"type":125},"Los más habituales son seleccionar una cuenta contable incorrecta, asignar el gasto a otro centro de costes, duplicar el registro o utilizar datos desactualizados del proveedor. También puede ser necesario revisar la información fiscal de la operación.",{"_uid":2789,"title":2790,"component":761,"description":2791},"e58f7c77-176f-41fa-bb44-ef9423fa8b57","¿Cómo puede mejorar una empresa el procesamiento de facturas?",{"type":116,"content":2792},[2793],{"type":119,"attrs":2794,"content":2795},{"textAlign":25},[2796],{"text":2797,"type":125},"Puede definir qué documentación necesita para cada tipo de compra, capturar la codificación en la solicitud o el pedido, utilizar OCR para reducir la introducción manual, establecer reglas de tolerancia e integrar la información con el ERP cuando la conexión disponible cubra sus necesidades.",{"_uid":2799,"title":2800,"component":761,"description":2801},"8fad0725-50d7-49cb-b1f2-3c664e9fae01","¿En qué se diferencia la conciliación de facturas de la conciliación bancaria?",{"type":116,"content":2802},[2803],{"type":119,"attrs":2804,"content":2805},{"textAlign":25},[2806],{"text":2807,"type":125},"La conciliación de facturas comprueba si una factura puede aprobarse y pagarse comparándola con el pedido y la recepción. La conciliación bancaria comprueba después si los movimientos de la cuenta coinciden con los apuntes contables.",{"_uid":2809,"title":2810,"component":761,"description":2811},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":116,"content":2812},[2813],{"type":119,"attrs":2814,"content":2815},{"textAlign":25},[2816],{"text":2817,"type":125},"Spendesk no es un ERP. Es una plataforma de gestión de gastos y cuentas por pagar que ayuda a centralizar las facturas, los pedidos y la documentación de respaldo, facilitar la comparación de la información disponible, identificar excepciones y dirigir cada operación al flujo de aprobación correspondiente. También puede ayudar a preparar los datos para conectarlos con el sistema financiero y evitar que las discrepancias se descubran al cierre de mes, cuando ya queda poco margen para corregirlas.",[2819],{"cta":2820,"_uid":2821,"title":2822,"eyebrow":2828,"subtitle":2833,"component":176,"textAlign":99,"flexibleSection":2838,"sectionSettings":2839,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"bc20a4a6-1ac6-49d9-a31d-740c9b91c095",{"type":116,"content":2823},[2824],{"type":176,"attrs":2825,"content":2826},{"level":178,"textAlign":25},[2827],{"text":827,"type":125},{"type":116,"content":2829},[2830],{"type":119,"attrs":2831,"content":2832},{"textAlign":25},[],{"type":116,"content":2834},[2835],{"type":119,"attrs":2836,"content":2837},{"textAlign":25},[],[],[],"conciliacion-de-facturas","es/blog/conciliacion-de-facturas",-3490,[],"812b517e-2eda-4778-bfe2-493605327cf9","2026-09-14T09:05:53.999Z",[],"blog/conciliacion-de-facturas",[2849,2850,2851],{"path":2847,"name":25,"lang":37,"published":25},{"path":2847,"name":25,"lang":39,"published":25},{"path":2847,"name":25,"lang":32,"published":25},{"name":2853,"created_at":2854,"published_at":2855,"updated_at":2856,"id":2857,"uuid":2858,"content":2859,"slug":2989,"full_slug":2990,"sort_by_date":25,"position":2991,"tag_list":2992,"is_startpage":28,"parent_id":845,"meta_data":25,"group_id":2993,"first_published_at":2994,"release_id":25,"lang":32,"path":25,"alternates":2995,"default_full_slug":2996,"translated_slugs":2997},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":2860,"title":2853,"topics":2861,"noIndex":28,"category":2870,"language":2879,"component":726,"heroMedia":2880,"metaTitle":2881,"publishedAt":2882,"readingTime":2743,"redirectUrl":99,"listingImage":2883,"metaDescription":2891,"bottomArticleCta":2892,"componentsAfterTheArticle":2893},"7c8baf82-c72c-4bd0-978c-914b4de81327",[2862],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2863,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2864,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2865,"default_full_slug":163,"translated_slugs":2866,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2867,2868,2869],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":714,"created_at":715,"published_at":16,"updated_at":716,"id":717,"uuid":718,"content":2871,"slug":726,"full_slug":727,"sort_by_date":25,"position":52,"tag_list":2873,"is_startpage":28,"parent_id":729,"meta_data":25,"group_id":730,"first_published_at":731,"release_id":25,"lang":32,"path":25,"alternates":2874,"default_full_slug":733,"translated_slugs":2875,"_stopResolving":41},{"_uid":720,"icon":2872,"name":714,"component":725},{"id":722,"alt":723,"name":99,"focus":99,"title":99,"filename":724,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2876,2877,2878],{"path":733,"name":25,"lang":37,"published":25},{"path":733,"name":25,"lang":39,"published":25},{"path":733,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","2026-08-26 00:00",[2884],{"_uid":2885,"asset":2886,"caption":99,"component":751},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":2887,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2888,"copyright":99,"fieldtype":104,"meta_data":2889,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":2890},"1536x1024","Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[2894],{"_uid":2895,"items":2896,"heading":2967,"component":840},"def80281-c114-48d8-922b-c6452f4b32e1",[2897,2907,2917,2927,2937,2947,2957],{"_uid":2898,"title":2899,"component":761,"description":2900},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":116,"content":2901},[2902],{"type":119,"attrs":2903,"content":2904},{"textAlign":25},[2905],{"text":2906,"type":125},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":2908,"title":2909,"component":761,"description":2910},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":116,"content":2911},[2912],{"type":119,"attrs":2913,"content":2914},{"textAlign":25},[2915],{"text":2916,"type":125},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":2918,"title":2919,"component":761,"description":2920},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":116,"content":2921},[2922],{"type":119,"attrs":2923,"content":2924},{"textAlign":25},[2925],{"text":2926,"type":125},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":2928,"title":2929,"component":761,"description":2930},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":116,"content":2931},[2932],{"type":119,"attrs":2933,"content":2934},{"textAlign":25},[2935],{"text":2936,"type":125},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":2938,"title":2939,"component":761,"description":2940},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":116,"content":2941},[2942],{"type":119,"attrs":2943,"content":2944},{"textAlign":25},[2945],{"text":2946,"type":125},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":2948,"title":2949,"component":761,"description":2950},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":116,"content":2951},[2952],{"type":119,"attrs":2953,"content":2954},{"textAlign":25},[2955],{"text":2956,"type":125},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":2958,"title":2959,"component":761,"description":2960},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":116,"content":2961},[2962],{"type":119,"attrs":2963,"content":2964},{"textAlign":25},[2965],{"text":2966,"type":125},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus obligaciones.",[2968],{"cta":2969,"_uid":2970,"title":2971,"eyebrow":2977,"subtitle":2982,"component":176,"textAlign":99,"flexibleSection":2987,"sectionSettings":2988,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":116,"content":2972},[2973],{"type":176,"attrs":2974,"content":2975},{"level":178,"textAlign":25},[2976],{"text":827,"type":125},{"type":116,"content":2978},[2979],{"type":119,"attrs":2980,"content":2981},{"textAlign":25},[],{"type":116,"content":2983},[2984],{"type":119,"attrs":2985,"content":2986},{"textAlign":25},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2980,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[2998,2999,3000],{"path":2996,"name":25,"lang":37,"published":25},{"path":2996,"name":25,"lang":39,"published":25},{"path":2996,"name":25,"lang":32,"published":25},1793980980208]