[{"data":1,"prerenderedAt":4409},["ShallowReactive",2],{"es-blog/tarjetas-virtuales":3,"es-global-content":674,"es-article-global-content":2053,"es-blog-article-more-articles-cafbe56c-ef03-4bba-bfd8-d36612a3b495":2304,"es-blog-article-more-articles-318939187":4404},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":661,"full_slug":662,"sort_by_date":28,"position":663,"tag_list":664,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":666,"first_published_at":667,"release_id":28,"lang":35,"path":28,"alternates":668,"default_full_slug":669,"translated_slugs":670},"Las tarjetas virtuales: qué son y las ventajas de utilizarlas","2023-06-05T18:24:36.267Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:57.137Z",318939187,"647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"_uid":11,"roles":12,"title":13,"author":14,"topics":15,"content":45,"category":538,"language":565,"component":552,"heroMedia":566,"sidebarCta":575,"publishedAt":576,"readingTime":577,"redirectUrl":14,"listingImage":578,"metaDescription":14,"componentsAfterTheArticle":584},"07c362ff-b8ef-422d-8681-66ea4e46b571",[],"¿Qué son las tarjetas virtuales y por qué utilizarlas?","",[16],{"name":17,"created_at":18,"published_at":6,"updated_at":19,"id":20,"uuid":21,"content":22,"slug":26,"full_slug":27,"sort_by_date":28,"position":29,"tag_list":30,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":33,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":36,"default_full_slug":37,"translated_slugs":38,"_stopResolving":44},"Tarjetas corporativas","2023-06-12T15:33:35.921Z","2026-03-12T10:47:57.245Z",322866206,"cafbe56c-ef03-4bba-bfd8-d36612a3b495",{"_uid":23,"name":24,"component":25},"a2c58a16-f495-475f-951f-05171468aae4","Presupuestos","tag","tarjetas-corporativas","es/blog/topic/tarjetas-corporativas",null,-530,[],false,176456153,"289b524b-127a-48cf-af62-6eec2947150d","2022-11-02T15:24:39.815Z","es",[],"blog/topic/tarjetas-corporativas",[39,41,43],{"path":37,"name":28,"lang":40,"published":28},"fr",{"path":37,"name":28,"lang":42,"published":28},"de",{"path":37,"name":28,"lang":35,"published":28},true,{"type":46,"content":47},"doc",[48,59,69,76,83,92,103,110,140,148,155,162,169,215,223,230,250,257,264,271,291,298,306,313,321,328,335,343,350,357,365,391,399,406,414,421,428,448,455,463,470,477,484,491,498,506,533],{"type":49,"content":50},"paragraph",[51],{"text":52,"type":53,"marks":54},"Descubre las ventajas de esta nueva tecnología y consigue las tarjetas virtuales ideales para tu empresa.","text",[55],{"type":56,"attrs":57},"textStyle",{"color":58},"rgb(0, 0, 0)",{"type":60,"attrs":61,"content":63},"heading",{"level":62},2,[64],{"text":65,"type":53,"marks":66},"Así son las tarjetas de crédito virtuales",[67],{"type":56,"attrs":68},{"color":58},{"type":49,"content":70},[71],{"text":72,"type":53,"marks":73},"A diferencia de las tarjetas de crédito o débito típicas, las tarjetas bancarias virtuales se crean por internet para un uso único o recurrente. Por lo general, son de prepago con un saldo específico que determina el titular de la tarjeta.",[74],{"type":56,"attrs":75},{"color":58},{"type":49,"content":77},[78],{"text":79,"type":53,"marks":80},"Las tarjetas virtuales existen exclusivamente en línea. Esto permite acceder a ellas desde cualquier lugar, además de que reducen el riesgo de compras fraudulentas. Contienen los mismos detalles de las tarjetas físicas: número de tarjeta, fecha de vencimiento y el CVV.",[81],{"type":56,"attrs":82},{"color":58},{"type":84,"attrs":85},"blok",{"id":86,"body":87},"58f997fd-ef1d-4492-a764-66eaea9d9945",[88],{"_uid":89,"html":90,"component":91},"i-071c8ec7-c087-4afb-9117-dcd27e56fe7c","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-7923ff81-e11d-406e-a0b4-189e6a68ee60\">\u003Cspan class=\"hs-cta-node hs-cta-7923ff81-e11d-406e-a0b4-189e6a68ee60\" id=\"hs-cta-7923ff81-e11d-406e-a0b4-189e6a68ee60\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/7923ff81-e11d-406e-a0b4-189e6a68ee60\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-7923ff81-e11d-406e-a0b4-189e6a68ee60\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/7923ff81-e11d-406e-a0b4-189e6a68ee60.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '7923ff81-e11d-406e-a0b4-189e6a68ee60', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":60,"attrs":93,"content":95},{"level":94},3,[96],{"text":97,"type":53,"marks":98},"Ten los gastos bajo control",[99,101],{"type":100},"bold",{"type":56,"attrs":102},{"color":58},{"type":49,"content":104},[105],{"text":106,"type":53,"marks":107},"Al comprar por internet usando los gastos de la empresa es obvio que aumenta el riesgo de sufrir fraudes en la tarjeta de crédito y problemas serios de seguridad. Sin embargo, usando tarjetas virtuales puedes visualizar todos los gastos, y llevar un control de ellos. ",[108],{"type":56,"attrs":109},{"color":58},{"type":49,"content":111},[112,117,135],{"text":113,"type":53,"marks":114},"En Spendesk dispones de tarjetas virtuales y una completa herramienta de gestión de gastos. Puedes establecer tus ",[115],{"type":56,"attrs":116},{"color":58},{"text":118,"type":53,"marks":119},"políticas de gasto",[120,133],{"type":121,"attrs":122},"link",{"href":123,"uuid":124,"anchor":28,"target":125,"linktype":126,"story":127},"/es/blog/politica-de-gastos","747c51a7-467a-478f-b9f5-bfd7b07f4a95","_self","story",{"name":128,"id":129,"uuid":124,"slug":130,"url":131,"full_slug":132,"_stopResolving":44},"Cómo crear una política de gastos de empresa ",316535124,"politica-de-gastos","blog/politica-de-gastos","es/blog/politica-de-gastos",{"type":56,"attrs":134},{"color":58},{"text":136,"type":53,"marks":137}," y procesos para aprobar o no dichos gastos. Además, puedes automatizar la elaboración de informes de la contabilidad y hacer un seguimiento de cada transacción en tiempo real.",[138],{"type":56,"attrs":139},{"color":58},{"type":60,"attrs":141,"content":142},{"level":94},[143],{"text":144,"type":53,"marks":145},"¿Cómo funcionan las tarjetas virtuales?",[146],{"type":56,"attrs":147},{"color":58},{"type":49,"content":149},[150],{"text":151,"type":53,"marks":152},"Los datos de las tarjetas bancarias físicas son estáticos; tanto el número, como la fecha de caducidad y el código de seguridad no varían. Sin embargo, las tarjetas de crédito virtuales generan nuevos datos cada vez que se realiza una compra.",[153],{"type":56,"attrs":154},{"color":58},{"type":49,"content":156},[157],{"text":158,"type":53,"marks":159},"Cada vez que compres por internet, deberás introducir la información de la tarjeta virtual que se genere para un único uso o recurrente. Los detalles de las compras se registrarán en el panel de control.",[160],{"type":56,"attrs":161},{"color":58},{"type":49,"content":163},[164],{"text":165,"type":53,"marks":166},"Las tarjetas virtuales que utilice tu empresa harán que los pagos online sean más sencillos y seguros, como por ejemplo:",[167],{"type":56,"attrs":168},{"color":58},{"type":170,"content":171},"bullet_list",[172,182,206],{"type":173,"content":174},"list_item",[175],{"type":49,"content":176},[177],{"text":178,"type":53,"marks":179},"Suscripciones y renovaciones de software para la empresa (SaaS)",[180],{"type":56,"attrs":181},{"color":58},{"type":173,"content":183},[184],{"type":49,"content":185},[186,201],{"text":187,"type":53,"marks":188},"Gastos de viajes",[189,199],{"type":121,"attrs":190},{"href":191,"uuid":192,"anchor":28,"target":125,"linktype":126,"story":193},"/es/blog/gastos-de-viaje","7bf347c3-538b-4700-b32c-6f96e9e96d2b",{"name":194,"id":195,"uuid":192,"slug":196,"url":197,"full_slug":198,"_stopResolving":44},"Guía completa para la gestión de gastos de viaje de empresa",290911476,"gastos-de-viaje","blog/gastos-de-viaje","es/blog/gastos-de-viaje",{"type":56,"attrs":200},{"color":58},{"text":202,"type":53,"marks":203}," de negocio, como alojamientos, alquiler de coches y cualquier desplazamiento",[204],{"type":56,"attrs":205},{"color":58},{"type":173,"content":207},[208],{"type":49,"content":209},[210],{"text":211,"type":53,"marks":212},"Gastos como material de oficina, asistencia a eventos, etc.",[213],{"type":56,"attrs":214},{"color":58},{"type":60,"attrs":216,"content":217},{"level":94},[218],{"text":219,"type":53,"marks":220},"Tarjetas recurrentes vs tarjetas de un solo uso",[221],{"type":56,"attrs":222},{"color":58},{"type":49,"content":224},[225],{"text":226,"type":53,"marks":227},"Existen dos modalidades principales de tarjetas de crédito virtuales:",[228],{"type":56,"attrs":229},{"color":58},{"type":170,"content":231},[232,241],{"type":173,"content":233},[234],{"type":49,"content":235},[236],{"text":237,"type":53,"marks":238},"Las tarjetas de un único uso que sirven para pagos puntuales. Un ejemplo de esto serían las compras por Amazon. Este tipo de tarjetas virtuales solo se pueden usar una vez y automáticamente deja de funcionar.",[239],{"type":56,"attrs":240},{"color":58},{"type":173,"content":242},[243],{"type":49,"content":244},[245],{"text":246,"type":53,"marks":247},"Las tarjetas recurrentes (o de suscripción) pueden utilizarse varias veces, pero solo para pagos en establecimientos autorizados por la empresa y por el importe especificado. Una vez superada la cantidad máxima, será imposible gastar más, a no ser que un administrador de la cuenta lo permita.",[248],{"type":56,"attrs":249},{"color":58},{"type":49,"content":251},[252],{"text":253,"type":53,"marks":254},"Muchas empresas recurren a más de 50 softwares de pago. Gestionar todas esas suscripciones con diferentes tarjetas de crédito puede llegar a ser una pesadilla. ",[255],{"type":56,"attrs":256},{"color":58},{"type":49,"content":258},[259],{"text":260,"type":53,"marks":261},"Con los pagos recurrentes hechos con tarjetas virtuales, puedes gestionar todas las suscripciones desde un solo lugar, con la libertad de pausar o eliminar una tarjeta en cualquier momento, mientras otras suscripciones continúan. ",[262],{"type":56,"attrs":263},{"color":58},{"type":49,"content":265},[266],{"text":267,"type":53,"marks":268},"Este sistema tan simple permite:",[269],{"type":56,"attrs":270},{"color":58},{"type":170,"content":272},[273,282],{"type":173,"content":274},[275],{"type":49,"content":276},[277],{"text":278,"type":53,"marks":279},"Evitar pagar de más en programas que no se utilizan mucho.",[280],{"type":56,"attrs":281},{"color":58},{"type":173,"content":283},[284],{"type":49,"content":285},[286],{"text":287,"type":53,"marks":288},"Facilitar el seguimiento de las suscripciones que están a punto de cancelarse o renovarse. ",[289],{"type":56,"attrs":290},{"color":58},{"type":49,"content":292},[293],{"text":294,"type":53,"marks":295},"Como no hay dos tarjetas recurrentes iguales, teniendo números de tarjeta y fechas de caducidad únicas, tienes todo bajo control y gozas de total seguridad.",[296],{"type":56,"attrs":297},{"color":58},{"type":60,"attrs":299,"content":300},{"level":62},[301],{"text":302,"type":53,"marks":303},"Estas son las principales ventajas de las tarjetas de pago virtuales",[304],{"type":56,"attrs":305},{"color":58},{"type":49,"content":307},[308],{"text":309,"type":53,"marks":310},"A continuación, veamos por qué hay tantas empresas que eligen las tarjetas virtuales para los gastos empresariales.",[311],{"type":56,"attrs":312},{"color":58},{"type":60,"attrs":314,"content":315},{"level":94},[316],{"text":317,"type":53,"marks":318},"Reducen el riesgo de fraude",[319],{"type":56,"attrs":320},{"color":58},{"type":49,"content":322},[323],{"text":324,"type":53,"marks":325},"Sirven para proteger a la empresa de los fraudes y los abusos tanto interna como externamente. Las tarjetas virtuales generan números de un solo uso, lo que hace que sea completamente imposible duplicar y piratear.",[326],{"type":56,"attrs":327},{"color":58},{"type":49,"content":329},[330],{"text":331,"type":53,"marks":332},"Además, un importante beneficio a nivel de seguridad es que las tarjetas cuentan con un saldo preestablecido, por lo que no usan el dinero de la cuenta bancaria.",[333],{"type":56,"attrs":334},{"color":58},{"type":60,"attrs":336,"content":337},{"level":94},[338],{"text":339,"type":53,"marks":340},"Son fáciles de usar",[341],{"type":56,"attrs":342},{"color":58},{"type":49,"content":344},[345],{"text":346,"type":53,"marks":347},"Podrás olvidar la lentitud al solicitar tarjetas nuevas y configurarlas: cualquier departamento o empleado puede pedir una nueva en cuestión de segundos, y sin una formación especial.",[348],{"type":56,"attrs":349},{"color":58},{"type":49,"content":351},[352],{"text":353,"type":53,"marks":354},"Funcionan igual que las tarjetas tradicionales, así que se pueden usar para compras en Amazon, Google Ads, Facebook Ads y cualquier otro gasto que tengas por internet.",[355],{"type":56,"attrs":356},{"color":58},{"type":60,"attrs":358,"content":359},{"level":94},[360],{"text":361,"type":53,"marks":362},"Te permiten ser más productivo",[363],{"type":56,"attrs":364},{"color":58},{"type":49,"content":366},[367,372,386],{"text":368,"type":53,"marks":369},"Ya no tendrás que preguntar quién tiene la ",[370],{"type":56,"attrs":371},{"color":58},{"text":373,"type":53,"marks":374},"tarjeta de la empresa",[375,384],{"type":121,"attrs":376},{"href":377,"uuid":378,"anchor":28,"target":125,"linktype":126,"story":379},"/es/blog/tarjetas-corporativas","ff062929-9805-4397-8af2-b64ecd025032",{"name":380,"id":381,"uuid":378,"slug":26,"url":382,"full_slug":383,"_stopResolving":44},"Cómo elegir las tarjetas corporativas perfectas para tus empleados",318928494,"blog/tarjetas-corporativas","es/blog/tarjetas-corporativas",{"type":56,"attrs":385},{"color":58},{"text":387,"type":53,"marks":388}," o dónde se vio por última vez. Ahorrarás tiempo y dinero al no pasar la tarjeta de mano en mano y con largos procesos para aprobar los gastos. De esta manera, tanto el personal como los directivos pueden centrarse en sus propias tareas, que bastantes son.",[389],{"type":56,"attrs":390},{"color":58},{"type":60,"attrs":392,"content":393},{"level":94},[394],{"text":395,"type":53,"marks":396},"Controla los gastos",[397],{"type":56,"attrs":398},{"color":58},{"type":49,"content":400},[401],{"text":402,"type":53,"marks":403},"Las transacciones por internet y en persona aparecen en tiempo real en el panel de control de gastos. Puedes limitar el saldo que los titulares de las tarjetas virtuales pueden gastar.",[404],{"type":56,"attrs":405},{"color":58},{"type":60,"attrs":407,"content":408},{"level":62},[409],{"text":410,"type":53,"marks":411},"Ventajas para el departamento de contabilidad",[412],{"type":56,"attrs":413},{"color":58},{"type":49,"content":415},[416],{"text":417,"type":53,"marks":418},"Compartir los datos de las tarjetas de crédito de la empresa mediante mensajes de textos o correo electrónico es algo anticuado y sobre todo inseguro. Por eso, las tarjetas virtuales protegen a la empresa de filtraciones de datos y cargos no autorizados.",[419],{"type":56,"attrs":420},{"color":58},{"type":49,"content":422},[423],{"text":424,"type":53,"marks":425},"Los servicios de pagos virtuales permiten al departamento de contabilidad:",[426],{"type":56,"attrs":427},{"color":58},{"type":170,"content":429},[430,439],{"type":173,"content":431},[432],{"type":49,"content":433},[434],{"text":435,"type":53,"marks":436},"Controlar los límites de gasto de cada departamento de la empresa sin necesidad de las microgestiones.",[437],{"type":56,"attrs":438},{"color":58},{"type":173,"content":440},[441],{"type":49,"content":442},[443],{"text":444,"type":53,"marks":445},"Eliminar los tediosos cálculos a mano, pues cada pago se registra y rastrea automáticamente.",[446],{"type":56,"attrs":447},{"color":58},{"type":49,"content":449},[450],{"text":451,"type":53,"marks":452},"Al contar con mayor accesibilidad, seguridad y eficacia, no es de extrañar que cada vez más empresas dejen atrás las tarjetas de crédito físicas y se cambien a las tarjetas virtuales.",[453],{"type":56,"attrs":454},{"color":58},{"type":60,"attrs":456,"content":457},{"level":62},[458],{"text":459,"type":53,"marks":460},"Los empleados también se benefician de las tarjetas virtuales",[461],{"type":56,"attrs":462},{"color":58},{"type":49,"content":464},[465],{"text":466,"type":53,"marks":467},"Ahora es más fácil que nunca darle al personal su propia tarjeta de empresa. Las tarjetas virtuales son mucho más fáciles y ágiles de usar que las físicas, incluso para los empleados.",[468],{"type":56,"attrs":469},{"color":58},{"type":49,"content":471},[472],{"text":473,"type":53,"marks":474},"Las empresas pueden elegir el proveedor de tarjetas que prefieran: Mastercard, Visa, American Express o Discover.",[475],{"type":56,"attrs":476},{"color":58},{"type":49,"content":478},[479],{"text":480,"type":53,"marks":481},"Los trabajadores pueden hacer las compras al instante y sin complicarse la vida a través de internet, gracias a tarjetas virtuales que han sido preaprobadas por los directivos o el equipo financiero.",[482],{"type":56,"attrs":483},{"color":58},{"type":49,"content":485},[486],{"text":487,"type":53,"marks":488},"Si tienes empleados que viajan por trabajo, puedes emitir a cada uno su propia tarjeta virtual y acceder a los recibos que se generan automáticamente utilizando una aplicación como Spendesk.",[489],{"type":56,"attrs":490},{"color":58},{"type":49,"content":492},[493],{"text":494,"type":53,"marks":495},"Hemos comprobado que las tarjetas de crédito y las tarjetas de débito virtuales dan a los empleados mayor libertad y responsabilidad de tomar sus propias decisiones sobre los gastos de la empresa. 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Conserva el expediente completo durante cuatro años, de acuerdo con el plazo fiscal.",{"_uid":2790,"title":2791,"component":591,"description":2792},"b686385c-d192-4852-9fc5-7af23a4a9b4d","¿Cuál es la diferencia entre el Modelo 210 y el Modelo 216?",{"type":46,"content":2793},[2794],{"type":49,"attrs":2795,"content":2796},{"textAlign":28},[2797],{"text":2798,"type":53},"El Modelo 210 es la autoliquidación del no residente sobre las rentas obtenidas en España, mientras que el Modelo 216 es la declaración mediante la que el pagador ingresa las retenciones, normalmente cada trimestre dentro de los primeros 20 días del mes siguiente.",{"_uid":2800,"title":2801,"component":591,"description":2802},"f47c0192-b1ce-4d56-93e9-b5ccdfa4ef96","¿Qué pasa si pago el importe íntegro al proveedor sin practicar la retención?",{"type":46,"content":2803},[2804],{"type":49,"attrs":2805,"content":2806},{"textAlign":28},[2807],{"text":2808,"type":53},"Sigues siendo responsable de ingresar la retención y, conforme al artículo 31.2 de la Ley del IRNR, la base debe calcularse sobre el importe íntegro. Un importe neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €.",{"_uid":2810,"title":2811,"component":591,"description":2812},"626ce63d-6ac5-40eb-8ce2-c56d0eba1368","¿Es obligatorio presentar el Modelo 216 si la retención es cero?",{"type":46,"content":2813},[2814],{"type":49,"attrs":2815,"content":2816},{"textAlign":28},[2817],{"text":2818,"type":53},"Sí. Aunque un convenio deje la retención en el 0 %, debes presentar un Modelo 216 negativo e incluir al perceptor en el Modelo 296, que se declara entre el 1 y el 31 de enero.",{"_uid":2820,"title":2821,"component":591,"description":2822},"3d978fb9-e7b3-4808-88ff-699c0ba79121","¿Cuánto tiempo es válido el certificado de residencia fiscal?",{"type":46,"content":2823},[2824],{"type":49,"attrs":2825,"content":2826},{"textAlign":28},[2827],{"text":2828,"type":53},"El certificado emitido por la autoridad fiscal del país del proveedor tiene una validez de un año desde su expedición. Sin él, debes aplicar el tipo interno: 24 % o 19 % para residentes en la UE, Islandia o Noruega. ## Da el siguiente paso Centraliza las facturas de tus proveedores y ten preparada la documentación de cada pago para justificar cada retención ante la AEAT. Descubre cómo la gestión de facturas y cuentas por pagar de Spendesk mantiene tu proceso de IRNR bajo control. Solicita una demo.",[2830],{"cta":2831,"_uid":2832,"title":2833,"eyebrow":2839,"subtitle":2844,"component":60,"textAlign":14,"flexibleSection":2849,"sectionSettings":2850,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"f60dfec0-8c7a-4047-a140-7f9ae1d35e61",{"type":46,"content":2834},[2835],{"type":60,"attrs":2836,"content":2837},{"level":62,"textAlign":28},[2838],{"text":2434,"type":53},{"type":46,"content":2840},[2841],{"type":49,"attrs":2842,"content":2843},{"textAlign":28},[],{"type":46,"content":2845},[2846],{"type":49,"attrs":2847,"content":2848},{"textAlign":28},[],[],[],"modelo-210-no-residentes","es/blog/modelo-210-no-residentes",-2360,[],"a3f091f5-323c-4173-a95e-1977530b00e3",[],"blog/modelo-210-no-residentes",[2859,2860,2861],{"path":2857,"name":28,"lang":40,"published":28},{"path":2857,"name":28,"lang":42,"published":28},{"path":2857,"name":28,"lang":35,"published":28},{"name":2863,"created_at":2864,"published_at":2865,"updated_at":2866,"id":2867,"uuid":2868,"content":2869,"slug":3020,"full_slug":3021,"sort_by_date":28,"position":3022,"tag_list":3023,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3024,"first_published_at":2865,"release_id":28,"lang":35,"path":28,"alternates":3025,"default_full_slug":3026,"translated_slugs":3027},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-10T14:39:54.001Z","2026-08-10T14:39:54.025Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":2870,"title":2863,"topics":2871,"noIndex":31,"category":2888,"language":2897,"component":552,"heroMedia":2898,"metaTitle":2899,"publishedAt":14,"readingTime":2634,"redirectUrl":14,"listingImage":2900,"metaDescription":2901,"bottomArticleCta":2902,"componentsAfterTheArticle":2903},"a5c44fdb-61bf-4d67-a171-62b2baecbec4",[2872,2880],{"name":762,"created_at":2316,"published_at":6,"updated_at":2317,"id":2318,"uuid":2319,"content":2873,"slug":2321,"full_slug":2322,"sort_by_date":28,"position":29,"tag_list":2874,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":2324,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":2875,"default_full_slug":2326,"translated_slugs":2876,"_stopResolving":44},{"_uid":23,"name":762,"component":25},[],[],[2877,2878,2879],{"path":2326,"name":28,"lang":40,"published":28},{"path":2326,"name":28,"lang":42,"published":28},{"path":2326,"name":28,"lang":35,"published":28},{"name":2332,"created_at":2333,"published_at":6,"updated_at":2334,"id":2335,"uuid":2336,"content":2881,"slug":2338,"full_slug":2339,"sort_by_date":28,"position":29,"tag_list":2882,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":2341,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":2883,"default_full_slug":2343,"translated_slugs":2884,"_stopResolving":44},{"_uid":23,"name":2332,"component":25},[],[],[2885,2886,2887],{"path":2343,"name":28,"lang":40,"published":28},{"path":2343,"name":28,"lang":42,"published":28},{"path":2343,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":2889,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":2891,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":2892,"default_full_slug":560,"translated_slugs":2893,"_stopResolving":44},{"_uid":545,"icon":2890,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[2894,2895,2896],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f",[],"Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[2904],{"_uid":2905,"items":2906,"heading":2998,"component":652},"15367aef-6875-4699-8cf1-a97df1845252",[2907,2940,2958,2968,2978,2988],{"_uid":2908,"title":2909,"component":591,"description":2910},"5d541e1b-8c2c-4074-8a1c-d72712c41d63","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":46,"content":2911},[2912],{"type":49,"attrs":2913,"content":2914},{"textAlign":28},[2915,2917,2923,2925,2931,2933,2939],{"text":2916,"type":53},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":2918,"type":53,"marks":2919}," Modelo 190 es su resumen anual informativo",[2920],{"type":121,"attrs":2921},{"href":2922,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":2924,"type":53},". Las retenciones de alquileres se declaran mediante el",{"text":2926,"type":53,"marks":2927}," Modelo 115",[2928],{"type":121,"attrs":2929},{"href":2930,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":2932,"type":53}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":2934,"type":53,"marks":2935}," Modelo 130",[2936],{"type":121,"attrs":2937},{"href":2938,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":1811,"type":53},{"_uid":2941,"title":2942,"component":591,"description":2943},"54c24f66-8398-45fd-8550-e6bdf876480e","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":46,"content":2944},[2945],{"type":49,"attrs":2946,"content":2947},{"textAlign":28},[2948,2950,2956],{"text":2949,"type":53},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":2951,"type":53,"marks":2952}," Modelo 111, en casillas separadas",[2953],{"type":121,"attrs":2954},{"href":2955,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":2957,"type":53},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":2959,"title":2960,"component":591,"description":2961},"4dbaa916-c479-4c0d-b27e-82ba5aaec004","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":46,"content":2962},[2963],{"type":49,"attrs":2964,"content":2965},{"textAlign":28},[2966],{"text":2967,"type":53},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":2969,"title":2970,"component":591,"description":2971},"add51613-1974-4f48-b3b4-2c4eb7330759","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":46,"content":2972},[2973],{"type":49,"attrs":2974,"content":2975},{"textAlign":28},[2976],{"text":2977,"type":53},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":2979,"title":2980,"component":591,"description":2981},"6e6c7128-a4b3-4652-9340-46276fc41f1e","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":46,"content":2982},[2983],{"type":49,"attrs":2984,"content":2985},{"textAlign":28},[2986],{"text":2987,"type":53},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":2989,"title":2990,"component":591,"description":2991},"1690dae5-8eb5-4727-bf13-b094c0f64d59","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":46,"content":2992},[2993],{"type":49,"attrs":2994,"content":2995},{"textAlign":28},[2996],{"text":2997,"type":53},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad. ## Deja lista la base de tu próximo Modelo 111 antes del cierre Reúne las facturas de proveedores y sus retenciones a medida que llegan, en lugar de reconstruir la base cuando se acerque el plazo de la AEAT. Solicita una demostración y comprueba cómo llegar a cada trimestre con el Modelo 111 ya cuadrado.",[2999],{"cta":3000,"_uid":3001,"title":3002,"eyebrow":3008,"subtitle":3013,"component":60,"textAlign":14,"flexibleSection":3018,"sectionSettings":3019,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"bf67b7e0-5e7d-4751-98b7-74152f4394e0",{"type":46,"content":3003},[3004],{"type":60,"attrs":3005,"content":3006},{"level":62,"textAlign":28},[3007],{"text":2434,"type":53},{"type":46,"content":3009},[3010],{"type":49,"attrs":3011,"content":3012},{"textAlign":28},[],{"type":46,"content":3014},[3015],{"type":49,"attrs":3016,"content":3017},{"textAlign":28},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2350,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7",[],"blog/modelo-111-irpf-retenciones",[3028,3029,3030],{"path":3026,"name":28,"lang":40,"published":28},{"path":3026,"name":28,"lang":42,"published":28},{"path":3026,"name":28,"lang":35,"published":28},{"name":3032,"created_at":3033,"published_at":3034,"updated_at":3035,"id":3036,"uuid":3037,"content":3038,"slug":3165,"full_slug":3166,"sort_by_date":28,"position":3167,"tag_list":3168,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3169,"first_published_at":3170,"release_id":28,"lang":35,"path":28,"alternates":3171,"default_full_slug":3172,"translated_slugs":3173},"Precio del kilometraje 2025, dietas exentas y cálculo para empresas en España","2026-07-02T11:40:27.508Z","2026-07-15T08:16:22.960Z","2026-07-15T08:16:22.990Z",193752381532885,"7d6d4a94-1c94-4fa3-8e5d-5d30abc18fb4",{"_uid":3039,"title":3032,"topics":3040,"noIndex":31,"category":3057,"language":3066,"component":552,"heroMedia":3067,"metaTitle":3068,"publishedAt":14,"readingTime":3069,"redirectUrl":14,"listingImage":3070,"metaDescription":3077,"bottomArticleCta":3078,"componentsAfterTheArticle":3079},"2e0f3a1f-641b-4352-92b3-422844947675",[3041],{"name":3042,"created_at":3043,"published_at":6,"updated_at":3044,"id":3045,"uuid":3046,"content":3047,"slug":196,"full_slug":3048,"sort_by_date":28,"position":29,"tag_list":3049,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":3050,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":3051,"default_full_slug":3052,"translated_slugs":3053,"_stopResolving":44},"Gastos de viaje","2023-04-12T07:19:37.669Z","2026-03-12T10:47:54.379Z",290528756,"d0fe3c08-c1c8-4a15-8097-9e2f3cdba473",{"_uid":23,"name":3042,"component":25},"es/blog/topic/gastos-de-viaje",[],"785ebf54-2c27-4a0f-85e5-8e67afae86f2",[],"blog/topic/gastos-de-viaje",[3054,3055,3056],{"path":3052,"name":28,"lang":40,"published":28},{"path":3052,"name":28,"lang":42,"published":28},{"path":3052,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":3058,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":3060,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":3061,"default_full_slug":560,"translated_slugs":3062,"_stopResolving":44},{"_uid":545,"icon":3059,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[3063,3064,3065],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"Precio del kilometraje 2025, dietas exentas y cálculo para e","10",[3071],{"_uid":3072,"asset":3073,"caption":14,"component":574},"1db72195-a305-432e-9416-67b9a09da2fe",{"id":3074,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":3075,"copyright":14,"fieldtype":550,"meta_data":3076,"is_external_url":31},198301747693472,"https://a.storyblok.com/f/146026/2752x1536/b43eb713cf/spendesk_blog_cover_precio-kilometraje-dietas-exentas-2025.jpg",{},"En 2023, la AEAT elevó la tarifa exenta de kilometraje un 37%, de 0,19 a 0,26 €/km, tras casi dos décadas sin cambios. Pese a la actualización, muchos equipos f",[],[3080],{"_uid":3081,"items":3082,"heading":3143,"component":652},"d3593f25-e29b-4459-8cad-be936e0e34c1",[3083,3093,3103,3113,3123,3133],{"_uid":3084,"title":3085,"component":591,"description":3086},"098742ca-b419-4f38-b375-b843dc6eff22","¿A cuánto se paga el kilometraje en una empresa en 2025?",{"type":46,"content":3087},[3088],{"type":49,"attrs":3089,"content":3090},{"textAlign":28},[3091],{"text":3092,"type":53},"La tarifa exenta de IRPF aprobada por la AEAT es de 0,26 €/km, según la Orden HFP/792/2023. Las empresas pueden reembolsar un importe superior, pero solo esos 0,26 €/km quedan exentos de tributación.",{"_uid":3094,"title":3095,"component":591,"description":3096},"156d3383-8311-42cd-938f-4a1171e28941","¿Qué dietas están exentas de IRPF y cuáles tributan?",{"type":46,"content":3097},[3098],{"type":49,"attrs":3099,"content":3100},{"textAlign":28},[3101],{"text":3102,"type":53},"Las dietas nacionales con pernocta hasta 53,34 €/día y sin pernocta hasta 26,67 €/día están exentas. Cualquier importe por encima de esos límites tributa como rendimiento del trabajo en la nómina del empleado.",{"_uid":3104,"title":3105,"component":591,"description":3106},"79bd709f-f9ff-4181-a1cc-22599946d404","¿Cómo se reflejan las dietas en la nómina?",{"type":46,"content":3107},[3108],{"type":49,"attrs":3109,"content":3110},{"textAlign":28},[3111],{"text":3112,"type":53},"Los importes exentos aparecen como un concepto separado en la nómina, sin retención de IRPF ni cotización a la Seguridad Social; en el caso del kilometraje, el techo exento es de 0,26 €/km. Los importes que superan esos límites se integran en la base imponible y en la base de cotización.",{"_uid":3114,"title":3115,"component":591,"description":3116},"62a30f2a-5293-4552-9506-4e7d6a379279","¿Las dietas cotizan a la Seguridad Social?",{"type":46,"content":3117},[3118],{"type":49,"attrs":3119,"content":3120},{"textAlign":28},[3121],{"text":3122,"type":53},"Solo la parte que excede los límites exentos (0,26 €/km para kilometraje, 53,34 €/día y 26,67 €/día para dietas) cotiza a la Seguridad Social. Los importes dentro del umbral quedan excluidos de la base de cotización.",{"_uid":3124,"title":3125,"component":591,"description":3126},"87d5d6ce-3431-4194-9686-b6bb995d92b0","¿Es obligatorio que la empresa pague el kilometraje a los empleados?",{"type":46,"content":3127},[3128],{"type":49,"attrs":3129,"content":3130},{"textAlign":28},[3131],{"text":3132,"type":53},"No existe una obligación legal general. El reembolso depende de lo establecido en el convenio colectivo o en el contrato de trabajo. La práctica habitual en España es reembolsar a 0,26 €/km, alineándose con la tarifa exenta de la AEAT.",{"_uid":3134,"title":3135,"component":591,"description":3136},"29aaf2fb-f7d4-4960-b6d4-3e0e82954baf","¿Cómo se calcula el importe exento de IRPF en un reembolso?",{"type":46,"content":3137},[3138],{"type":49,"attrs":3139,"content":3140},{"textAlign":28},[3141],{"text":3142,"type":53},"Para kilometraje, multiplica los kilómetros recorridos por 0,26 €/km; esa cantidad es la parte exenta y el exceso sobre ese resultado tributa como rendimiento del trabajo. Para dietas de manutención, compara el importe abonado con el techo aplicable (53,34 €/día con pernocta o 26,67 €/día sin pernocta en territorio nacional); la cantidad dentro del límite queda libre de IRPF y la diferencia, si la hay, se integra en la base imponible de la nómina.",[3144],{"cta":3145,"_uid":3146,"title":3147,"eyebrow":3153,"subtitle":3158,"component":60,"textAlign":14,"flexibleSection":3163,"sectionSettings":3164,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"691e0d11-4106-4fc9-8ed4-75ff411add41",{"type":46,"content":3148},[3149],{"type":60,"attrs":3150,"content":3151},{"level":62,"textAlign":28},[3152],{"text":2434,"type":53},{"type":46,"content":3154},[3155],{"type":49,"attrs":3156,"content":3157},{"textAlign":28},[],{"type":46,"content":3159},[3160],{"type":49,"attrs":3161,"content":3162},{"textAlign":28},[],[],[],"precio-kilometraje-dietas-exentas-2025","es/blog/precio-kilometraje-dietas-exentas-2025",-2150,[],"b26578a2-667d-4f29-9066-628d73b29515","2026-07-02T11:40:27.593Z",[],"blog/precio-kilometraje-dietas-exentas-2025",[3174,3175,3176],{"path":3172,"name":28,"lang":40,"published":28},{"path":3172,"name":28,"lang":42,"published":28},{"path":3172,"name":28,"lang":35,"published":28},{"name":3178,"created_at":3179,"published_at":3180,"updated_at":3181,"id":3182,"uuid":3183,"content":3184,"slug":3302,"full_slug":3303,"sort_by_date":28,"position":3304,"tag_list":3305,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3306,"first_published_at":3307,"release_id":28,"lang":35,"path":28,"alternates":3308,"default_full_slug":3309,"translated_slugs":3310},"VeriFactu obliga a todas las empresas españolas desde 2027: guía para adaptar su software","2026-07-02T11:12:59.403Z","2026-07-15T08:16:43.808Z","2026-07-27T09:08:57.995Z",193745630893250,"ce78448b-8771-4c18-9a35-8bb164c3a7d4",{"_uid":3185,"title":3178,"topics":3186,"noIndex":31,"category":3195,"language":3204,"component":552,"heroMedia":3205,"metaTitle":3206,"publishedAt":14,"readingTime":2634,"redirectUrl":14,"listingImage":3207,"metaDescription":3214,"bottomArticleCta":3215,"componentsAfterTheArticle":3216},"76408526-eb7e-480d-9298-165ef7536a41",[3187],{"name":762,"created_at":2316,"published_at":6,"updated_at":2317,"id":2318,"uuid":2319,"content":3188,"slug":2321,"full_slug":2322,"sort_by_date":28,"position":29,"tag_list":3189,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":2324,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":3190,"default_full_slug":2326,"translated_slugs":3191,"_stopResolving":44},{"_uid":23,"name":762,"component":25},[],[],[3192,3193,3194],{"path":2326,"name":28,"lang":40,"published":28},{"path":2326,"name":28,"lang":42,"published":28},{"path":2326,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":3196,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":3198,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":3199,"default_full_slug":560,"translated_slugs":3200,"_stopResolving":44},{"_uid":545,"icon":3197,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[3201,3202,3203],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"VeriFactu obliga a todas las empresas españolas desde 2027: ",[3208],{"_uid":3209,"asset":3210,"caption":14,"component":574},"52586025-c336-4774-a8c5-c57f25f5c4a6",{"id":3211,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":3212,"copyright":14,"fieldtype":550,"meta_data":3213,"is_external_url":31},198300667442794,"https://a.storyblok.com/f/146026/2752x1536/9eac618dac/spendesk_blog_cover_verifactu.jpg",{},"El 1 de enero de 2027, toda empresa y autónomo en territorio común deberá usar software de facturación certificado por la AEAT bajo VeriFactu, y el coste de ign",[],[3217],{"_uid":3218,"items":3219,"heading":3280,"component":652},"6221f5fe-5233-4732-a676-7ada5b311e94",[3220,3230,3240,3250,3260,3270],{"_uid":3221,"title":3222,"component":591,"description":3223},"4acb6789-7630-4509-a73d-4e8e0bccd29a","¿A qué empresas obliga VeriFactu y desde cuándo entra en vigor?",{"type":46,"content":3224},[3225],{"type":49,"attrs":3226,"content":3227},{"textAlign":28},[3228],{"text":3229,"type":53},"VeriFactu obliga a todos los obligados tributarios (empresas y autónomos) en territorio común desde el 1 de enero de 2027. El País Vasco aplica TicketBAI, que ya está activo, y Navarra dispone de su propia normativa.",{"_uid":3231,"title":3232,"component":591,"description":3233},"8bec3011-a63e-4ae7-aa86-1c9bdfe0065c","¿En qué se diferencia VeriFactu de la factura electrónica obligatoria?",{"type":46,"content":3234},[3235],{"type":49,"attrs":3236,"content":3237},{"textAlign":28},[3238],{"text":3239,"type":53},"VeriFactu regula el software que genera facturas (hash SHA-256, QR, registro inalterable); la factura electrónica obligatoria de la Ley Crea y Crece regula el formato de transmisión B2B. Las grandes empresas deberán cumplir con la factura electrónica B2B en el primer año tras la aprobación del reglamento, y las pymes dispondrán de 2 años. Ambas normativas coexistirán y afectan a los mismos contribuyentes.",{"_uid":3241,"title":3242,"component":591,"description":3243},"ec161758-805e-47ba-a6c3-9b6182927d86","¿Qué requisitos debe cumplir mi software de facturación para ser compatible con VeriFactu?",{"type":46,"content":3244},[3245],{"type":49,"attrs":3246,"content":3247},{"textAlign":28},[3248],{"text":3249,"type":53},"El software debe cumplir 5 requisitos técnicos: generar un hash SHA-256 por registro, un código QR por factura, mantener un registro secuencial inalterable, ofrecer la opción de envío automático a la AEAT y contar con la declaración responsable del fabricante conforme a la Orden HAC/1177/2024.",{"_uid":3251,"title":3252,"component":591,"description":3253},"e61cc76a-1b48-405f-a938-9fe13f599f87","¿Qué pasa si mi empresa no se adapta a VeriFactu antes del plazo?",{"type":46,"content":3254},[3255],{"type":49,"attrs":3256,"content":3257},{"textAlign":28},[3258],{"text":3259,"type":53},"Las sanciones alcanzan los 50.000 € por ejercicio por utilizar software no certificado, y los fabricantes se exponen a multas de hasta 150.000 €. Además, el incumplimiento puede desencadenar una inspección tributaria.",{"_uid":3261,"title":3262,"component":591,"description":3263},"eaefa95d-2386-4afc-b2d5-bd53e5076de2","¿VeriFactu afecta a las pymes y autónomos o solo a grandes empresas?",{"type":46,"content":3264},[3265],{"type":49,"attrs":3266,"content":3267},{"textAlign":28},[3268],{"text":3269,"type":53},"VeriFactu afecta a todos los obligados tributarios en territorio común, desde el autónomo con 1 empleado hasta la gran empresa. No existe umbral mínimo de facturación ni exención por tamaño.",{"_uid":3271,"title":3272,"component":591,"description":3273},"a3d7430d-9897-48a0-89c5-85cbfd106cf4","¿Qué es VeriFactu?",{"type":46,"content":3274},[3275],{"type":49,"attrs":3276,"content":3277},{"textAlign":28},[3278],{"text":3279,"type":53},"VeriFactu es el sistema de facturación verificable de la AEAT que obliga a todo software de facturación a generar un hash SHA-256 encadenado, un código QR y un registro inalterable por cada factura emitida. Su objetivo es impedir la manipulación de registros de facturación y reforzar el control del fraude fiscal. Está regulado por la Ley Antifraude 11/2021 y el Real Decreto 1007/2023, y su cumplimiento será obligatorio desde el 1 de enero de 2027.",[3281],{"cta":3282,"_uid":3283,"title":3284,"eyebrow":3290,"subtitle":3295,"component":60,"textAlign":14,"flexibleSection":3300,"sectionSettings":3301,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"c67b3753-4d5c-4a1d-be5a-a4843b282ad1",{"type":46,"content":3285},[3286],{"type":60,"attrs":3287,"content":3288},{"level":62,"textAlign":28},[3289],{"text":2434,"type":53},{"type":46,"content":3291},[3292],{"type":49,"attrs":3293,"content":3294},{"textAlign":28},[],{"type":46,"content":3296},[3297],{"type":49,"attrs":3298,"content":3299},{"textAlign":28},[],[],[],"que-es-verifactu","es/blog/que-es-verifactu",-2140,[],"1275fab4-f0c8-40a2-bfbe-371e91cd12a9","2026-07-02T11:12:59.480Z",[],"blog/que-es-verifactu",[3311,3312,3313],{"path":3309,"name":28,"lang":40,"published":28},{"path":3309,"name":28,"lang":42,"published":28},{"path":3309,"name":28,"lang":35,"published":28},{"name":3315,"created_at":3316,"published_at":3317,"updated_at":3318,"id":3319,"uuid":3320,"content":3321,"slug":3437,"full_slug":3438,"sort_by_date":28,"position":3439,"tag_list":3440,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3441,"first_published_at":3442,"release_id":28,"lang":35,"path":28,"alternates":3443,"default_full_slug":3444,"translated_slugs":3445},"Alternativas a Holded para gestión de gastos: qué buscar en 2026","2026-07-01T14:20:09.982Z","2026-07-15T08:17:05.216Z","2026-07-15T08:17:05.251Z",193437736940511,"b3845a74-f1aa-40bd-900d-28296fc3a7ae",{"_uid":3322,"title":3315,"topics":3323,"noIndex":31,"category":3332,"language":3341,"component":552,"heroMedia":3342,"metaTitle":3343,"publishedAt":14,"readingTime":3069,"redirectUrl":14,"listingImage":3344,"metaDescription":3351,"bottomArticleCta":3352,"componentsAfterTheArticle":3353},"1b96f687-07dd-4ae6-9085-1b7fabe7a940",[3324],{"name":778,"created_at":2599,"published_at":6,"updated_at":2600,"id":2601,"uuid":2602,"content":3325,"slug":2604,"full_slug":2605,"sort_by_date":28,"position":29,"tag_list":3326,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":2607,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":3327,"default_full_slug":2609,"translated_slugs":3328,"_stopResolving":44},{"_uid":23,"name":778,"component":25},[],[],[3329,3330,3331],{"path":2609,"name":28,"lang":40,"published":28},{"path":2609,"name":28,"lang":42,"published":28},{"path":2609,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":3333,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":3335,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":3336,"default_full_slug":560,"translated_slugs":3337,"_stopResolving":44},{"_uid":545,"icon":3334,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[3338,3339,3340],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"Alternativas a Holded para gestión de gastos: qué buscar en ",[3345],{"_uid":3346,"asset":3347,"caption":14,"component":574},"53a3e5c0-3edd-449b-af52-12e6a4391ebe",{"id":3348,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":3349,"copyright":14,"fieldtype":550,"meta_data":3350,"is_external_url":31},198300029191605,"https://a.storyblok.com/f/146026/2752x1536/4251e2f04e/spendesk_blog_cover_alternativas_holded.jpg",{},"_Para responsables financieros de pymes españolas (50-200 empleados) que buscan mejorar su gestión de gastos sin perder lo que funciona en Holded._",[],[3354],{"_uid":3355,"items":3356,"heading":3415,"component":652},"c7d6f8d7-adfc-4690-a64e-f90838b3e696",[3357,3367,3377,3387,3405],{"_uid":3358,"title":3359,"component":591,"description":3360},"9f73634e-9e7a-4713-b0fc-e1e5cad5086d","¿Puedo conectar Holded con una herramienta de gestión de gastos?",{"type":46,"content":3361},[3362],{"type":49,"attrs":3363,"content":3364},{"textAlign":28},[3365],{"text":3366,"type":53},"Sí, a través de integraciones contables con software como Sage o A3, o mediante formatos de exportación compatibles. Las plataformas dedicadas de gestión de gastos sincronizan los datos de gasto con tu contabilidad de forma automática; Spendesk, por ejemplo, lo hace para más de 200.000 usuarios en 29 países.",{"_uid":3368,"title":3369,"component":591,"description":3370},"2f5e4923-7d9c-4ff8-b5d6-ff3702affdf4","¿Cuáles son las mejores alternativas a Holded para gestión de gastos?",{"type":46,"content":3371},[3372],{"type":49,"attrs":3373,"content":3374},{"textAlign":28},[3375],{"text":3376,"type":53},"Depende de si quieres complementar Holded o sustituirlo. Para automatizar gastos, una plataforma de gestión de gastos cubre tarjetas, aprobaciones y pre-contabilidad; las más completas se despliegan en menos de dos semanas. Para cambiar de contabilidad, ERPs como Sage u Odoo son opciones. 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Con esa automatización, los datos de gastos llegan ya categorizados y conciliados, lo que puede acelerar el cierre mensual hasta cuatro veces.",{"_uid":3388,"title":3389,"component":591,"description":3390},"d1563088-d1d3-4a76-8375-f1e4ff6dc26c","¿Qué es VERI*FACTU y cómo afecta a mi software de gastos?",{"type":46,"content":3391},[3392],{"type":49,"attrs":3393,"content":3394},{"textAlign":28},[3395,3397,3403],{"text":3396,"type":53},"VERI*FACTU es la ",{"text":3398,"type":53,"marks":3399},"normativa de la AEAT",[3400],{"type":121,"attrs":3401},{"href":3402,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://sede.agenciatributaria.gob.es/Sede/iva/sistemas-informaticos-facturacion-verifactu.html",{"text":3404,"type":53}," que exige software certificado con huella digital y código QR en cada factura. 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Desde enero de 2026, las empresas que tributan por el Impuesto de Sociedades deben operar con un Sis",[],[3628],{"_uid":3629,"items":3630,"heading":3681,"component":652},"67acb6a1-2230-432e-a5de-8d6290b3f23f",[3631,3641,3651,3661,3671],{"_uid":3632,"title":3633,"component":591,"description":3634},"7ed68a82-678b-4d09-aa9b-bc6f8f6b3090","¿Cuándo entra en vigor VeriFactu para empresas y qué tengo que cambiar en mi sistema de facturación?",{"type":46,"content":3635},[3636],{"type":49,"attrs":3637,"content":3638},{"textAlign":28},[3639],{"text":3640,"type":53},"Las empresas que tributan por el Impuesto de Sociedades deben cumplir desde enero de 2026; el resto, desde julio de 2026. Tu SIF debe generar registros encadenados con hash SHA-256, incluir código QR verificable y exportar XML estructurado conforme a los campos de la AEAT.",{"_uid":3642,"title":3643,"component":591,"description":3644},"ab20baaf-b823-4195-bc49-6611292fd064","¿Qué requisitos debe cumplir un sistema de facturación para ser conforme con VeriFactu?",{"type":46,"content":3645},[3646],{"type":49,"attrs":3647,"content":3648},{"textAlign":28},[3649],{"text":3650,"type":53},"Siete requisitos esenciales: inalterabilidad, encadenamiento hash SHA-256, registro XML normalizado, código QR, capacidad de envío a la AEAT, registro de eventos y declaración responsable del fabricante.",{"_uid":3652,"title":3653,"component":591,"description":3654},"4b8dff96-59e6-4819-ac5e-721a498e90c9","¿Qué sanciones conlleva no adaptar mi facturación a VeriFactu a tiempo?",{"type":46,"content":3655},[3656],{"type":49,"attrs":3657,"content":3658},{"textAlign":28},[3659],{"text":3660,"type":53},"Hasta 50.000 € por ejercicio fiscal para empresas que utilicen software no certificado. Los fabricantes se enfrentan a multas de hasta 150.000 € por tipo de programa.",{"_uid":3662,"title":3663,"component":591,"description":3664},"a7ac6c0f-1cdb-4bcd-9965-c7225204897a","¿Cómo afecta VeriFactu a la facturación electrónica B2B obligatoria que llega después?",{"type":46,"content":3665},[3666],{"type":49,"attrs":3667,"content":3668},{"textAlign":28},[3669],{"text":3670,"type":53},"VeriFactu establece la infraestructura técnica sobre la que se apoyará la facturación electrónica B2B obligatoria bajo la Ley Crea y Crece. Las empresas con más de 8 millones de euros de facturación anual tendrán un año para cumplir; las pymes dispondrán de dos años. Cumplir con VeriFactu ahora reduce el esfuerzo de adaptación cuando entre en vigor ese mandato.",{"_uid":3672,"title":3673,"component":591,"description":3674},"66e48938-fd40-4dfe-8679-df6f6f9dae4c","¿Qué hago si mi software de facturación no pasa la auditoría VeriFactu?",{"type":46,"content":3675},[3676],{"type":49,"attrs":3677,"content":3678},{"textAlign":28},[3679],{"text":3680,"type":53},"Tres pasos concretos. Primero, solicita a tu proveedor su calendario de actualización y la declaración responsable conforme al RD 1007/2023. Segundo, si el proveedor no tiene calendario, evalúa alternativas certificadas y planifica la migración durante 2026; el proceso típico requiere entre 3 y 6 meses, incluyendo pruebas. Tercero, documenta los hallazgos de la auditoría y las medidas correctoras adoptadas de cara a una posible regularización voluntaria ante la AEAT.",[3682],{"cta":3683,"_uid":3684,"title":3685,"eyebrow":3691,"subtitle":3696,"component":60,"textAlign":14,"flexibleSection":3701,"sectionSettings":3702,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"62f45b75-c799-432d-89ba-674408d6d690",{"type":46,"content":3686},[3687],{"type":60,"attrs":3688,"content":3689},{"level":62,"textAlign":28},[3690],{"text":2434,"type":53},{"type":46,"content":3692},[3693],{"type":49,"attrs":3694,"content":3695},{"textAlign":28},[],{"type":46,"content":3697},[3698],{"type":49,"attrs":3699,"content":3700},{"textAlign":28},[],[],[],"auditar-software-facturacion-verifactu","es/blog/auditar-software-facturacion-verifactu",-2110,[],"2cca9edb-8e3d-4ee7-828a-f5dbccc02da0","2026-07-01T14:14:31.808Z",[],"blog/auditar-software-facturacion-verifactu",[3712,3713,3714],{"path":3710,"name":28,"lang":40,"published":28},{"path":3710,"name":28,"lang":42,"published":28},{"path":3710,"name":28,"lang":35,"published":28},{"name":3716,"created_at":3717,"published_at":3718,"updated_at":3719,"id":3720,"uuid":3721,"content":3722,"slug":3831,"full_slug":3832,"sort_by_date":28,"position":3833,"tag_list":3834,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3835,"first_published_at":3836,"release_id":28,"lang":35,"path":28,"alternates":3837,"default_full_slug":3838,"translated_slugs":3839},"Plan de Control Tributario 2026: cómo Hacienda ve ahora todos tus pagos con tarjeta de empresa, y por qué necesitas un justificante de cada gasto","2026-07-01T14:12:27.046Z","2026-07-15T12:53:34.726Z","2026-07-15T12:53:34.749Z",193435840750472,"fa9d96cb-2458-4385-9279-f05a3070406a",{"_uid":3723,"title":3716,"topics":3724,"noIndex":31,"category":3733,"language":3742,"component":552,"heroMedia":3743,"metaTitle":3744,"publishedAt":3745,"readingTime":2489,"redirectUrl":14,"listingImage":3746,"metaDescription":3753,"bottomArticleCta":3754,"componentsAfterTheArticle":3755},"26912ff8-8cdc-499b-92d1-111c0d33d66e",[3725],{"name":762,"created_at":2316,"published_at":6,"updated_at":2317,"id":2318,"uuid":2319,"content":3726,"slug":2321,"full_slug":2322,"sort_by_date":28,"position":29,"tag_list":3727,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":2324,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":3728,"default_full_slug":2326,"translated_slugs":3729,"_stopResolving":44},{"_uid":23,"name":762,"component":25},[],[],[3730,3731,3732],{"path":2326,"name":28,"lang":40,"published":28},{"path":2326,"name":28,"lang":42,"published":28},{"path":2326,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":3734,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":3736,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":3737,"default_full_slug":560,"translated_slugs":3738,"_stopResolving":44},{"_uid":545,"icon":3735,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[3739,3740,3741],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"Plan de Control Tributario 2026: cómo Hacienda ve ahora todo","2026-07-01 00:00",[3747],{"_uid":3748,"asset":3749,"caption":14,"component":574},"71b7f715-948b-4a24-8379-000055d9922b",{"id":3750,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":3751,"copyright":14,"fieldtype":550,"meta_data":3752,"is_external_url":31},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",[],[3756],{"_uid":3757,"items":3758,"heading":3809,"component":652},"392b2cba-2459-4fae-9ca3-82a370a248fc",[3759,3769,3779,3789,3799],{"_uid":3760,"title":3761,"component":591,"description":3762},"0c26ecac-7582-4a77-b600-0b34c58ff97c","¿Qué gastos pagados con tarjeta de empresa puede revisar Hacienda y qué justificantes necesito conservar?",{"type":46,"content":3763},[3764],{"type":49,"attrs":3765,"content":3766},{"textAlign":28},[3767],{"text":3768,"type":53},"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":3770,"title":3771,"component":591,"description":3772},"0d6355c9-f453-40c5-b7bd-cc9457049c95","¿Cómo se calcula y declara la retribución en especie de un vehículo o seguro para empleados?",{"type":46,"content":3773},[3774],{"type":49,"attrs":3775,"content":3776},{"textAlign":28},[3777],{"text":3778,"type":53},"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":3780,"title":3781,"component":591,"description":3782},"8337af09-4411-41a8-afba-be1bc1fd4e69","¿Qué riesgos fiscales tengo si no documento correctamente los pagos con tarjeta de empresa?",{"type":46,"content":3783},[3784],{"type":49,"attrs":3785,"content":3786},{"textAlign":28},[3787],{"text":3788,"type":53},"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":3790,"title":3791,"component":591,"description":3792},"71a9f364-ed85-4b68-8f1c-02055b4ea45b","¿Qué es el Modelo 170 y cuándo se presenta?",{"type":46,"content":3793},[3794],{"type":49,"attrs":3795,"content":3796},{"textAlign":28},[3797],{"text":3798,"type":53},"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":3800,"title":3801,"component":591,"description":3802},"9c3fdc4e-8c02-4a8c-be47-b5744bfa9fbb","¿Cómo afecta el Plan de Control Tributario 2026 a las retribuciones en especie?",{"type":46,"content":3803},[3804],{"type":49,"attrs":3805,"content":3806},{"textAlign":28},[3807],{"text":3808,"type":53},"El Plan 2026 permite a la AEAT cruzar por primera vez los datos de tarjeta del Modelo 170 (que recoge operaciones superiores a 25.000 euros anuales) con las declaraciones de IRPF, identificando automáticamente desfases entre los gastos reales con tarjeta de empresa y las retribuciones en especie declaradas por la empresa.",[3810],{"cta":3811,"_uid":3812,"title":3813,"eyebrow":3819,"subtitle":3824,"component":60,"textAlign":14,"flexibleSection":3829,"sectionSettings":3830,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"5dd08d30-2c91-480a-a50b-a7f6e5e8f742",{"type":46,"content":3814},[3815],{"type":60,"attrs":3816,"content":3817},{"level":62,"textAlign":28},[3818],{"text":2434,"type":53},{"type":46,"content":3820},[3821],{"type":49,"attrs":3822,"content":3823},{"textAlign":28},[],{"type":46,"content":3825},[3826],{"type":49,"attrs":3827,"content":3828},{"textAlign":28},[],[],[],"plan-control-tributario-2026","es/blog/plan-control-tributario-2026",-2100,[],"604baf8b-7a12-4b26-9a25-40517dd7458c","2026-07-01T14:12:27.111Z",[],"blog/plan-control-tributario-2026",[3840,3841,3842],{"path":3838,"name":28,"lang":40,"published":28},{"path":3838,"name":28,"lang":42,"published":28},{"path":3838,"name":28,"lang":35,"published":28},{"name":3844,"created_at":3845,"published_at":3846,"updated_at":3847,"id":3848,"uuid":3849,"content":3850,"slug":3983,"full_slug":3984,"sort_by_date":28,"position":3985,"tag_list":3986,"is_startpage":31,"parent_id":665,"meta_data":28,"group_id":3987,"first_published_at":3988,"release_id":28,"lang":35,"path":28,"alternates":3989,"default_full_slug":3990,"translated_slugs":3991},"Dietas y gastos de desplazamiento en 2026: por qué la nueva vigilancia de Hacienda convierte los justificantes en una prioridad urgente","2026-07-01T14:10:02.971Z","2026-07-15T12:56:28.179Z","2026-07-15T12:56:28.205Z",193435250644227,"ad6c3e19-70a2-43e9-817d-032bce6f0722",{"_uid":3851,"title":3844,"topics":3852,"noIndex":31,"category":3861,"language":3870,"component":552,"heroMedia":3871,"metaTitle":3872,"publishedAt":3873,"readingTime":3069,"redirectUrl":14,"listingImage":3874,"metaDescription":3881,"bottomArticleCta":3882,"componentsAfterTheArticle":3883},"790a571b-02fb-4701-85b9-9f326de10875",[3853],{"name":3042,"created_at":3043,"published_at":6,"updated_at":3044,"id":3045,"uuid":3046,"content":3854,"slug":196,"full_slug":3048,"sort_by_date":28,"position":29,"tag_list":3855,"is_startpage":31,"parent_id":32,"meta_data":28,"group_id":3050,"first_published_at":34,"release_id":28,"lang":35,"path":28,"alternates":3856,"default_full_slug":3052,"translated_slugs":3857,"_stopResolving":44},{"_uid":23,"name":3042,"component":25},[],[],[3858,3859,3860],{"path":3052,"name":28,"lang":40,"published":28},{"path":3052,"name":28,"lang":42,"published":28},{"path":3052,"name":28,"lang":35,"published":28},{"name":539,"created_at":540,"published_at":6,"updated_at":541,"id":542,"uuid":543,"content":3862,"slug":552,"full_slug":553,"sort_by_date":28,"position":554,"tag_list":3864,"is_startpage":31,"parent_id":556,"meta_data":28,"group_id":557,"first_published_at":558,"release_id":28,"lang":35,"path":28,"alternates":3865,"default_full_slug":560,"translated_slugs":3866,"_stopResolving":44},{"_uid":545,"icon":3863,"name":539,"component":551},{"id":547,"alt":548,"name":14,"focus":14,"title":14,"filename":549,"copyright":14,"fieldtype":550,"is_external_url":31},[],[],[3867,3868,3869],{"path":560,"name":28,"lang":40,"published":28},{"path":560,"name":28,"lang":42,"published":28},{"path":560,"name":28,"lang":35,"published":28},[35],[],"Dietas y gastos de desplazamiento en 2026: por qué la nueva ","2026-07-06 00:00",[3875],{"_uid":3876,"asset":3877,"caption":14,"component":574},"84eeeb71-9e7d-490c-9f8a-3bcaf39d334c",{"id":3878,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":3879,"copyright":14,"fieldtype":550,"meta_data":3880,"is_external_url":31},198317692560992,"https://a.storyblok.com/f/146026/2752x1536/5abe894130/spendesk_blog_cover_dietas_y_gastos_vigilancia_hacienda.jpg",{},"Tu empresa reembolsa dietas y kilometraje cada mes. Tus empleados viajan, presentan notas de gasto y el equipo financiero tramita los pagos antes del cierre de ",[],[3884],{"_uid":3885,"items":3886,"heading":3961,"component":652},"50fca27f-f70c-4e70-a81b-dcc944c4da52",[3887,3897,3923,3941,3951],{"_uid":3888,"title":3889,"component":591,"description":3890},"204f4d86-1164-4a37-98c1-39fc355bcb0f","¿Cuánto son las dietas exentas de IRPF en 2026?",{"type":46,"content":3891},[3892],{"type":49,"attrs":3893,"content":3894},{"textAlign":28},[3895],{"text":3896,"type":53},"La manutención con pernocta en España queda exenta hasta 53,34 €/día. Sin pernocta, el límite es 26,67 €/día. Para desplazamientos internacionales, las cuantías son 91,35 €/día con pernocta y 48,08 €/día sin pernocta. El kilometraje con vehículo propio está exento hasta 0,26 €/km.",{"_uid":3898,"title":3899,"component":591,"description":3900},"bcd9de8e-bfc0-4fc6-b6ea-d024c355412b","¿Está la empresa obligada a pagar kilometraje a sus empleados?",{"type":46,"content":3901},[3902],{"type":49,"attrs":3903,"content":3904},{"textAlign":28},[3905,3907,3913,3915,3921],{"text":3906,"type":53},"No existe una obligación legal general de reembolsar el kilometraje. Sin embargo, si la empresa decide compensar el uso de vehículo privado para desplazamientos laborales, los primeros ",{"text":3908,"type":53,"marks":3909},"0,26 €/km",[3910],{"type":121,"attrs":3911},{"href":3912,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://www.spendesk.com/es/blog/gastos-kilometraje/",{"text":3914,"type":53}," quedan exentos de IRPF conforme a la ",{"text":3916,"type":53,"marks":3917},"Orden HFP/792/2023",[3918],{"type":121,"attrs":3919},{"href":3920,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://www.boe.es/buscar/doc.php?id=BOE-A-2023-16461",{"text":3922,"type":53},". Cualquier importe que supere esa cuantía tributa como rendimiento del trabajo.",{"_uid":3924,"title":3925,"component":591,"description":3926},"ba337b78-00e9-4b8f-b5ae-d204f97af0af","¿Las dietas exentas de IRPF cotizan a la Seguridad Social?",{"type":46,"content":3927},[3928],{"type":49,"attrs":3929,"content":3930},{"textAlign":28},[3931,3933,3939],{"text":3932,"type":53},"Los gastos de desplazamiento exentos de IRPF también están excluidos de la base de cotización a la Seguridad Social, siempre que cumplan los mismos requisitos de justificación y no superen los límites establecidos en el ",{"text":3934,"type":53,"marks":3935},"art. 9 del RIRPF",[3936],{"type":121,"attrs":3937},{"href":3938,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://www.iberley.es/legislacion/articulo-9-reglamento-impuesto-sobre-renta-personas-fisicas-irpf",{"text":3940,"type":53},": 53,34 €/día con pernocta en España, 26,67 €/día sin pernocta y 0,26 €/km para kilometraje.",{"_uid":3942,"title":3943,"component":591,"description":3944},"d342da86-3ecc-4ce5-9945-9cfd5ed9f5ef","¿Qué ocurre si un empleado lleva más de nueve meses desplazado en el mismo municipio?",{"type":46,"content":3945},[3946],{"type":49,"attrs":3947,"content":3948},{"textAlign":28},[3949],{"text":3950,"type":53},"A partir del décimo mes, todas las dietas de manutención reembolsadas en ese municipio pierden la exención y tributan íntegramente como rendimiento del trabajo. El contador se reinicia únicamente si el empleado cambia de municipio de destino.",{"_uid":3952,"title":3953,"component":591,"description":3954},"6eb0a7a4-c005-4791-a52b-02e5fb87a8aa","¿Quién debe probar las dietas ante una inspección de la AEAT?",{"type":46,"content":3955},[3956],{"type":49,"attrs":3957,"content":3958},{"textAlign":28},[3959],{"text":3960,"type":53},"La carga de la prueba recae sobre la empresa. Tu equipo financiero debe aportar los justificantes de cada desplazamiento: fechas, municipio de destino, motivo profesional y, en el caso del kilometraje, los kilómetros recorridos. La documentación debe conservarse durante un mínimo de cuatro años (plazo de prescripción tributaria). 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Si el nombre del titular",[],[4036],{"_uid":4037,"items":4038,"heading":4099,"component":652},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[4039,4049,4059,4069,4079,4089],{"_uid":4040,"title":4041,"component":591,"description":4042},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":46,"content":4043},[4044],{"type":49,"attrs":4045,"content":4046},{"textAlign":28},[4047],{"text":4048,"type":53},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":4050,"title":4051,"component":591,"description":4052},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":46,"content":4053},[4054],{"type":49,"attrs":4055,"content":4056},{"textAlign":28},[4057],{"text":4058,"type":53},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":4060,"title":4061,"component":591,"description":4062},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":46,"content":4063},[4064],{"type":49,"attrs":4065,"content":4066},{"textAlign":28},[4067],{"text":4068,"type":53},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":4070,"title":4071,"component":591,"description":4072},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":46,"content":4073},[4074],{"type":49,"attrs":4075,"content":4076},{"textAlign":28},[4077],{"text":4078,"type":53},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":4080,"title":4081,"component":591,"description":4082},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":46,"content":4083},[4084],{"type":49,"attrs":4085,"content":4086},{"textAlign":28},[4087],{"text":4088,"type":53},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":4090,"title":4091,"component":591,"description":4092},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":46,"content":4093},[4094],{"type":49,"attrs":4095,"content":4096},{"textAlign":28},[4097],{"text":4098,"type":53},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. 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Sin embargo, las obligaciones del SII y la normativa contable hacen que sea imprescindible para cumplir con los plazos de reporte de IVA ante la AEAT. En la práctica, prescindir de ella supone asumir un riesgo fiscal evitable.",{"_uid":4188,"title":4189,"component":591,"description":4190},"2a9a2703-2af2-4b38-a32e-8156bd1c9adb","¿Con qué frecuencia se debe hacer la conciliación bancaria?",{"type":46,"content":4191},[4192],{"type":49,"attrs":4193,"content":4194},{"textAlign":28},[4195,4197,4203],{"text":4196,"type":53},"Lo ideal es hacerla mensualmente, coincidiendo con el cierre contable. Incorporarla a los ",{"text":4198,"type":53,"marks":4199},"objetivos financieros",[4200],{"type":121,"attrs":4201},{"href":4202,"uuid":28,"anchor":28,"target":1800,"linktype":1020},"https://www.spendesk.com/es/blog/objetivos-financieros/",{"text":4204,"type":53}," 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":4206,"title":4207,"component":591,"description":4208},"f1becf3f-23cb-4b11-800a-4f351782ed37","¿Qué diferencia hay entre conciliación bancaria manual y automatizada?",{"type":46,"content":4209},[4210],{"type":49,"attrs":4211,"content":4212},{"textAlign":28},[4213],{"text":4214,"type":53},"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":4216,"title":4217,"component":591,"description":4218},"cc68636f-2316-4926-9853-b309bb49e239","¿Se puede hacer la conciliación bancaria con Contasol?",{"type":46,"content":4219},[4220],{"type":49,"attrs":4221,"content":4222},{"textAlign":28},[4223],{"text":4224,"type":53},"Contasol permite importar extractos bancarios y compararlos con asientos contables. 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proveedores?",{"type":46,"content":4317},[4318],{"type":49,"attrs":4319,"content":4320},{"textAlign":28},[4321],{"text":4322,"type":53},"El OCR escanea cada factura (PDF, imagen escaneada o XML Facturae), identifica los campos clave (proveedor, importe, IVA, fecha, líneas de detalle) y los introduce en el sistema de forma automática, eliminando la entrada manual de datos.",{"_uid":4324,"title":4325,"component":591,"description":4326},"05f499b6-97e1-4fbd-acd8-379984551a16","¿Qué software de automatización de cuentas por pagar elegir para empresas en crecimiento?",{"type":46,"content":4327},[4328],{"type":49,"attrs":4329,"content":4330},{"textAlign":28},[4331],{"text":4332,"type":53},"Busca una plataforma que combine OCR con alta precisión, conciliación a tres vías, flujos de aprobación configurables por importe y departamento, pagos por SEPA y conexión nativa con tu software contable (Holded, Sage, A3).",{"_uid":4334,"title":4335,"component":591,"description":4336},"1eca101b-bbf0-4534-8a0e-0c83e848d741","¿Cómo se integra la automatización AP con un ERP como SAP o NetSuite?",{"type":46,"content":4337},[4338],{"type":49,"attrs":4339,"content":4340},{"textAlign":28},[4341],{"text":4342,"type":53},"Mediante conectores nativos o API, los datos de facturas, pagos y códigos contables se sincronizan automáticamente con el ERP, eliminando la re-entrada manual y garantizando que el libro mayor refleja la realidad en tiempo real.",{"_uid":4344,"title":4345,"component":591,"description":4346},"90afdeb0-83b3-4efe-9c2f-456ab08cc9f7","¿Qué son los anticipos a proveedores y cómo se gestionan con automatización AP?",{"type":46,"content":4347},[4348],{"type":49,"attrs":4349,"content":4350},{"textAlign":28},[4351],{"text":4352,"type":53},"Un anticipo a proveedores es un pago parcial realizado antes de recibir el bien o servicio. El software AP lo registra, lo vincula a la orden de compra correspondiente y lo descuenta automáticamente cuando llega la factura definitiva.",{"_uid":4354,"title":4355,"component":591,"description":4356},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":46,"content":4357},[4358],{"type":49,"attrs":4359,"content":4360},{"textAlign":28},[4361,4363,4368],{"text":4362,"type":53},"Para una empresa de 50 a 500 empleados, el proceso completo, incluyendo migración de datos de proveedores y formación del equipo, suele llevar entre cuatro y ocho semanas. --- Si tu empresa procesa decenas o cientos de facturas cada mes y el cierre contable sigue siendo un ejercicio manual, la automatización AP es el siguiente paso lógico. ",{"text":4364,"type":53,"marks":4365},"Solicita una demo",[4366],{"type":121,"attrs":4367},{"href":2423,"uuid":28,"anchor":28,"target":1800,"linktype":1020},{"text":4369,"type":53}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[4371],{"cta":4372,"_uid":4373,"title":4374,"eyebrow":4380,"subtitle":4385,"component":60,"textAlign":14,"flexibleSection":4390,"sectionSettings":4391,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":14},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":46,"content":4375},[4376],{"type":60,"attrs":4377,"content":4378},{"level":62,"textAlign":28},[4379],{"text":2434,"type":53},{"type":46,"content":4381},[4382],{"type":49,"attrs":4383,"content":4384},{"textAlign":28},[],{"type":46,"content":4386},[4387],{"type":49,"attrs":4388,"content":4389},{"textAlign":28},[],[],[],"automatizacion-cuentas-por-pagar","es/blog/automatizacion-cuentas-por-pagar",-1870,[],"02974883-ff5a-406b-ae71-689455771581","2026-06-10T13:00:50.663Z",[],"blog/automatizacion-cuentas-por-pagar",[4401,4402,4403],{"path":4399,"name":28,"lang":40,"published":28},{"path":4399,"name":28,"lang":42,"published":28},{"path":4399,"name":28,"lang":35,"published":28},[4405,4406,4407,4408],["Reactive",3995],["Reactive",3449],["Reactive",2459],["Reactive",2733],1786695356775]