[{"data":1,"prerenderedAt":3513},["ShallowReactive",2],{"es-blog/tarjetas-de-empresa":3,"es-global-content":1449,"es-article-global-content":2834,"es-blog-article-more-articles-cafbe56c-ef03-4bba-bfd8-d36612a3b495":3083,"es-blog-article-more-articles-168561323047473":3509},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1436,"full_slug":1437,"sort_by_date":25,"position":1438,"tag_list":1439,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":1441,"first_published_at":1442,"release_id":25,"lang":32,"path":25,"alternates":1443,"default_full_slug":1444,"translated_slugs":1445},"Tarjetas de empresa en España: tipos, proveedores y cómo elegir la mejor para tu equipo","2026-04-22T07:17:46.746Z","2026-07-15T11:55:53.680Z","2026-08-11T09:37:37.540Z",168561323047473,"df107cfe-80ff-47a4-bbce-cf67d14596ee",{"_uid":11,"roles":12,"title":4,"author":80,"topics":130,"content":207,"noIndex":28,"category":1364,"language":1389,"component":1377,"heroMedia":1390,"sidebarCta":1398,"publishedAt":1399,"redirectUrl":90,"listingImage":1400,"metaDescription":1408,"bottomArticleCta":1409,"componentsAfterTheArticle":1435},"0da7b258-9dbe-425f-8e73-ac0521d7e05e",[13,42,62],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":34,"translated_slugs":35,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":21,"name":14,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","tag","cfo","es/blog/role/cfo",null,-10,[],false,190903385,"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z","es",[],"blog/role/cfo",[36,38,40],{"path":34,"name":25,"lang":37,"published":25},"fr",{"path":34,"name":25,"lang":39,"published":25},"de",{"path":34,"name":25,"lang":32,"published":25},true,{"name":43,"created_at":44,"published_at":16,"updated_at":45,"id":46,"uuid":47,"content":48,"slug":50,"full_slug":51,"sort_by_date":25,"position":52,"tag_list":53,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":54,"first_published_at":55,"release_id":25,"lang":32,"path":25,"alternates":56,"default_full_slug":57,"translated_slugs":58,"_stopResolving":41},"Finance Manager","2024-11-14T16:28:41.778Z","2026-03-12T10:48:04.003Z",579108186,"ac906673-c199-4d4b-900d-b03772ebac22",{"_uid":49,"name":43,"component":22},"8ee7bc5e-ac5d-48c5-8424-e446196b1d39","finance-manager","es/blog/role/finance-manager",0,[],"bec0b063-2fa8-44a2-aefc-e1335f13ea22","2024-11-14T16:29:40.515Z",[],"blog/role/finance-manager",[59,60,61],{"path":57,"name":25,"lang":37,"published":25},{"path":57,"name":25,"lang":39,"published":25},{"path":57,"name":25,"lang":32,"published":25},{"name":63,"created_at":64,"published_at":16,"updated_at":65,"id":66,"uuid":67,"content":68,"slug":69,"full_slug":70,"sort_by_date":25,"position":52,"tag_list":71,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":72,"first_published_at":73,"release_id":25,"lang":32,"path":25,"alternates":74,"default_full_slug":75,"translated_slugs":76,"_stopResolving":41},"Financial Controller","2024-11-14T16:28:28.920Z","2026-03-12T10:48:03.955Z",579107717,"ef8ab7b7-f3c6-41c4-8363-45848989042c",{"_uid":49,"name":63,"component":22},"financial-controller","es/blog/role/financial-controller",[],"95642eaf-2539-4d06-bbba-8fc9ba64af2b","2024-11-14T16:29:42.813Z",[],"blog/role/financial-controller",[77,78,79],{"path":75,"name":25,"lang":37,"published":25},{"path":75,"name":25,"lang":39,"published":25},{"path":75,"name":25,"lang":32,"published":25},{"name":81,"created_at":82,"published_at":16,"updated_at":83,"id":84,"uuid":85,"content":86,"slug":117,"full_slug":118,"sort_by_date":25,"position":119,"tag_list":120,"is_startpage":28,"parent_id":121,"meta_data":25,"group_id":122,"first_published_at":123,"release_id":25,"lang":32,"path":25,"alternates":124,"default_full_slug":125,"translated_slugs":126,"_stopResolving":41},"Spendesk","2022-10-19T17:36:24.519Z","2026-03-12T10:47:20.246Z",206165082,"7b3f51f5-9ac6-400c-82f5-cdb35d1a342f",{"_uid":87,"name":81,"links":88,"picture":102,"lastName":104,"component":105,"firstName":81,"description":106},"89813b57-3ec3-4169-890b-393e41c6d7ea",[89],{"tag":90,"_uid":91,"icon":92,"link":96,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"","792703e5-f28a-4cbb-882c-a50a48656953",{"id":93,"alt":90,"name":90,"focus":90,"title":90,"filename":94,"copyright":90,"fieldtype":95,"is_external_url":28},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},"https://www.linkedin.com/company/spendesk/","url","multilink","primary","cta",{"alt":103,"name":90,"focus":90,"title":90,"filename":103,"copyright":90,"fieldtype":95,"is_external_url":28},"https://a.storyblok.com/f/146026/433x433/cfd74e99e1/spendesk-logo-square-1.png","Team","author",{"type":107,"content":108},"doc",[109],{"type":110,"attrs":111,"content":113},"paragraph",{"textAlign":25,"key":112},"p-0",[114],{"text":115,"type":116},"Spendesk tiene un objetivo: eliminar las molestias de gastar en el trabajo.","text","spendesk","es/blog/author/spendesk",-190,[],176408854,"b313f6db-7d77-4069-8018-de89aa2f2d43","2022-11-02T15:26:07.267Z",[],"blog/author/spendesk",[127,128,129],{"path":125,"name":25,"lang":37,"published":25},{"path":125,"name":25,"lang":39,"published":25},{"path":125,"name":25,"lang":32,"published":25},[131,153,173,190],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":137,"slug":140,"full_slug":141,"sort_by_date":25,"position":142,"tag_list":143,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":145,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":147,"default_full_slug":148,"translated_slugs":149,"_stopResolving":41},"Tarjetas corporativas","2023-06-12T15:33:35.921Z","2026-03-12T10:47:57.245Z",322866206,"cafbe56c-ef03-4bba-bfd8-d36612a3b495",{"_uid":138,"name":139,"component":22},"a2c58a16-f495-475f-951f-05171468aae4","Presupuestos","tarjetas-corporativas","es/blog/topic/tarjetas-corporativas",-530,[],176456153,"289b524b-127a-48cf-af62-6eec2947150d","2022-11-02T15:24:39.815Z",[],"blog/topic/tarjetas-corporativas",[150,151,152],{"path":148,"name":25,"lang":37,"published":25},{"path":148,"name":25,"lang":39,"published":25},{"path":148,"name":25,"lang":32,"published":25},{"name":154,"created_at":155,"published_at":16,"updated_at":156,"id":157,"uuid":158,"content":159,"slug":161,"full_slug":162,"sort_by_date":25,"position":163,"tag_list":164,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":165,"first_published_at":166,"release_id":25,"lang":32,"path":25,"alternates":167,"default_full_slug":168,"translated_slugs":169,"_stopResolving":41},"Spend management","2022-10-19T17:57:54.407Z","2026-03-12T10:47:23.262Z",206171419,"f1ded6b1-7e22-4841-a982-4b97800ed612",{"_uid":160,"name":154,"component":22},"fba530b2-81a3-4b87-986d-708d05055369","spend-management","es/blog/topic/spend-management",-230,[],"485045be-15bb-4bad-be38-3403f2a4f645","2022-11-02T15:24:49.793Z",[],"blog/topic/spend-management",[170,171,172],{"path":168,"name":25,"lang":37,"published":25},{"path":168,"name":25,"lang":39,"published":25},{"path":168,"name":25,"lang":32,"published":25},{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":179,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":182,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":184,"default_full_slug":185,"translated_slugs":186,"_stopResolving":41},"Gastos","2023-04-12T07:13:25.147Z","2026-03-12T10:47:54.304Z",290525525,"06802810-57db-474a-ae2f-e0f002cb19bf",{"_uid":138,"name":174,"component":22},"gastos","es/blog/topic/gastos",[],"64c72f54-59b5-40c2-acfd-1ce316754792",[],"blog/topic/gastos",[187,188,189],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":196,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":199,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":201,"default_full_slug":202,"translated_slugs":203,"_stopResolving":41},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-03-12T10:47:54.331Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":138,"name":191,"component":22},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[204,205,206],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"type":107,"content":208},[209,237,243,268,282,289,295,306,316,321,327,336,345,350,356,365,374,379,685,691,697,702,708,714,719,733,739,744,758,772,777,783,789,794,800,806,811,817,823,828,842,930,935,949,998,1003,1045,1051,1056,1061,1066,1071,1076,1081,1085,1090,1095,1100,1105,1110,1115,1120,1125,1130,1135,1140,1145,1150,1163,1168,1173,1178,1183,1188,1201,1206,1211,1216,1223,1260,1273,1278,1297,1302,1306,1312,1317,1322,1327,1332,1337,1342,1347,1352],{"type":110,"attrs":210,"content":211},{"textAlign":25,"key":112},[212,214,222,224,226,227,229,235],{"text":213,"type":116},"Los pagos con tarjeta de empresa en España superaron los 45.000 millones de euros en 2024, ",{"text":215,"type":116,"marks":216},"según el Banco de España",[217],{"type":218,"attrs":219},"link",{"href":220,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.bde.es/wbe/es/noticias-eventos/actualidad-banco-espana/estadisticas-sobre-pagos-en-espana-primer-semestre-de-2024.html","_blank",{"text":223,"type":116},". Sin embargo, la mayoría de las pymes españolas siguen gestionando los gastos corporativos con una única tarjeta de crédito compartida o a través de reembolsos a empleados. Ambos métodos generan el mismo problema: prácticamente sin visibilidad ni control, y con un cierre contable que se alarga indefinidamente.",{"type":225},"hard_break",{"type":225},{"text":228,"type":116},"Si diriges las finanzas de una empresa con 50 empleados o más, sabes que el modelo tradicional no escala. Cada tarjeta compartida es un punto ciego de trazabilidad. Cada reembolso supone una hora de ",{"text":230,"type":116,"marks":231},"gestión administrativa de gastos",[232],{"type":218,"attrs":233},{"href":234,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-gastos/",{"text":236,"type":116}," que tu equipo podría dedicar a tareas de mayor valor.",{"type":110,"attrs":238,"content":240},{"textAlign":25,"key":239},"p-1",[241],{"text":242,"type":116},"En esta guía te explicamos los tipos de tarjetas de empresa disponibles en España, cómo comparar proveedores según criterios objetivos, qué controles de gasto puedes configurar y qué implicaciones tiene el IVA en cada transacción. Al terminar, tendrás un marco claro para elegir la tarjeta de empresa adecuada para tu equipo.¿Qué tipos de tarjetas de empresa existen en España?",{"type":244,"attrs":245},"blok",{"id":246,"body":247},"11486d24-3142-4971-b3ce-44e0d903805a",[248],{"_uid":249,"link":250,"image":257,"component":266,"mobileImage":267},"i-fa0d7943-1765-4a59-9d5b-7b1534f1db29",[251],{"tag":90,"_uid":252,"hide":28,"icon":253,"link":255,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c429cf77-203c-4953-b47e-5d48d4328a65",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":254},{},{"id":90,"url":256,"linktype":98,"fieldtype":99,"cached_url":256},"https://www.spendesk.com/landing/end-of-year-closing-checklist/?utm_referrer=https://app.airops.com/",[258],{"_uid":259,"type":90,"asset":260,"caption":90,"overlay":264,"component":265},"06d41e1f-4d05-4b6f-bcdd-596ba0cc3c55",{"id":261,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":262,"copyright":90,"fieldtype":95,"meta_data":263,"is_external_url":28},171527753080443,"https://a.storyblok.com/f/146026/1500x500/be978a3b11/april-hero-content-de-blog-cta.jpg",{},[],"image","imageWithLink",[],{"type":110,"attrs":269,"content":271},{"textAlign":25,"key":270},"p-2",[272,274,280],{"text":273,"type":116},"Antes de evaluar proveedores, necesitas entender las tres categorías principales de tarjetas de empresa para empleados. Cada una tiene un modelo de financiación distinto —como reflejan los ",{"text":275,"type":116,"marks":276},"datos del Banco de España sobre sistemas de pago",[277],{"type":218,"attrs":278},{"href":279,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.bde.es/f/webbe/GAP/Secciones/SalaPrensa/NotasInformativas/25/presbe2025-14.pdf",{"text":281,"type":116},"— y eso afecta directamente al control que tendrás sobre el gasto y al impacto en tu flujo de caja.",{"type":283,"attrs":284,"content":286},"heading",{"level":285,"textAlign":25},3,[287],{"text":288,"type":116},"Tarjeta de crédito para empresas",{"type":110,"attrs":290,"content":292},{"textAlign":25,"key":291},"p-3",[293],{"text":294,"type":116},"Las tarjetas de crédito para empresas funcionan con una línea de crédito concedida por el banco o entidad financiera. El empleado gasta durante el mes y la empresa liquida el saldo en la fecha de corte, normalmente entre 15 y 30 días después del cierre del período. Es el modelo más común en la banca tradicional española.",{"type":110,"attrs":296,"content":298},{"textAlign":25,"key":297},"p-4",[299,304],{"text":300,"type":116,"marks":301},"Ventajas",[302],{"type":303},"bold",{"text":305,"type":116},": flexibilidad de pago diferido, útil si el flujo de caja es predecible y necesitas financiar compras puntuales. Algunas entidades ofrecen programas de puntos o descuentos en proveedores asociados.",{"type":110,"attrs":307,"content":309},{"textAlign":25,"key":308},"p-5",[310,314],{"text":311,"type":116,"marks":312},"Riesgos",[313],{"type":303},{"text":315,"type":116},": sin límites individuales estrictos, es fácil que los empleados sobrepasen el presupuesto asignado. El banco evalúa la solvencia de la empresa antes de aprobar la línea, lo que implica documentación financiera, avales en algunos casos y un tiempo de aprobación de 2 a 4 semanas. Además, el interés por pago aplazado puede superar el 20% TAE.",{"type":283,"attrs":317,"content":318},{"level":285,"textAlign":25},[319],{"text":320,"type":116},"Tarjeta de débito empresarial",{"type":110,"attrs":322,"content":324},{"textAlign":25,"key":323},"p-6",[325],{"text":326,"type":116},"La tarjeta de débito empresarial carga cada transacción directamente contra la cuenta corriente de la empresa. No hay crédito ni pago diferido: si no hay fondos disponibles en la cuenta, la transacción se rechaza automáticamente.",{"type":110,"attrs":328,"content":330},{"textAlign":25,"key":329},"p-7",[331,334],{"text":300,"type":116,"marks":332},[333],{"type":303},{"text":335,"type":116},": sencillez operativa, sin riesgo de endeudamiento ni intereses. Ideal para empresas que prefieren un control estricto del flujo de caja y quieren evitar cualquier forma de financiación externa.",{"type":110,"attrs":337,"content":339},{"textAlign":25,"key":338},"p-8",[340,343],{"text":311,"type":116,"marks":341},[342],{"type":303},{"text":344,"type":116},": menos control por empleado, ya que la mayoría de los bancos emiten una única tarjeta vinculada a cada cuenta. Esto obliga a compartirla entre varios empleados o a abrir múltiples cuentas corrientes, con el coste administrativo que eso implica. La trazabilidad de quién ha realizado cada gasto se complica.",{"type":283,"attrs":346,"content":347},{"level":285,"textAlign":25},[348],{"text":349,"type":116},"Tarjeta prepago empresa",{"type":110,"attrs":351,"content":353},{"textAlign":25,"key":352},"p-9",[354],{"text":355,"type":116},"La tarjeta prepago para empresas se carga con un saldo específico antes de su uso. Cada empleado recibe su propia tarjeta con un límite preestablecido: solo puede gastar lo que la empresa ha aprobado y cargado previamente. Es el modelo que ofrecen las plataformas modernas de gestión del gasto.",{"type":110,"attrs":357,"content":359},{"textAlign":25,"key":358},"p-10",[360,363],{"text":300,"type":116,"marks":361},[362],{"type":303},{"text":364,"type":116},": control total del gasto antes de que ocurra, sin riesgo crediticio, emisión inmediata de tarjetas adicionales sin límite. Algunas plataformas permiten límites de hasta 200.000 euros por transacción en tarjetas virtuales, según datos de Spendesk. La empresa mantiene el control total: si un empleado deja la compañía, la tarjeta se desactiva con un clic.",{"type":110,"attrs":366,"content":368},{"textAlign":25,"key":367},"p-11",[369,372],{"text":311,"type":116,"marks":370},[371],{"type":303},{"text":373,"type":116},": requiere una gestión proactiva de los saldos para evitar que los empleados se queden sin fondos en momentos críticos. La solución es configurar alertas de saldo bajo y permitir solicitudes de recarga con aprobación rápida.",{"type":283,"attrs":375,"content":376},{"level":285,"textAlign":25},[377],{"text":378,"type":116},"Comparativa rápida: crédito vs débito vs prepago",{"type":380,"content":381},"table",[382,423,461,499,536,574,611,649],{"type":383,"content":384},"tableRow",[385,396,405,414],{"type":386,"attrs":387,"content":389},"tableHeader",{"colspan":388,"rowspan":388,"colwidth":25},1,[390],{"type":110,"attrs":391,"content":393},{"textAlign":25,"key":392},"p-12",[394],{"text":395,"type":116},"Criterio",{"type":386,"attrs":397,"content":398},{"colspan":388,"rowspan":388,"colwidth":25},[399],{"type":110,"attrs":400,"content":402},{"textAlign":25,"key":401},"p-13",[403],{"text":404,"type":116},"Crédito",{"type":386,"attrs":406,"content":407},{"colspan":388,"rowspan":388,"colwidth":25},[408],{"type":110,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-14",[412],{"text":413,"type":116},"Débito",{"type":386,"attrs":415,"content":416},{"colspan":388,"rowspan":388,"colwidth":25},[417],{"type":110,"attrs":418,"content":420},{"textAlign":25,"key":419},"p-15",[421],{"text":422,"type":116},"Prepago",{"type":383,"content":424},[425,435,444,452],{"type":426,"attrs":427,"content":428},"tableCell",{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[429],{"type":110,"attrs":430,"content":432},{"textAlign":25,"key":431},"p-16",[433],{"text":434,"type":116},"Control por empleado",{"type":426,"attrs":436,"content":437},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[438],{"type":110,"attrs":439,"content":441},{"textAlign":25,"key":440},"p-17",[442],{"text":443,"type":116},"Bajo",{"type":426,"attrs":445,"content":446},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[447],{"type":110,"attrs":448,"content":450},{"textAlign":25,"key":449},"p-18",[451],{"text":443,"type":116},{"type":426,"attrs":453,"content":454},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[455],{"type":110,"attrs":456,"content":458},{"textAlign":25,"key":457},"p-19",[459],{"text":460,"type":116},"Alto",{"type":383,"content":462},[463,472,481,490],{"type":426,"attrs":464,"content":465},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[466],{"type":110,"attrs":467,"content":469},{"textAlign":25,"key":468},"p-20",[470],{"text":471,"type":116},"Impacto en flujo de caja",{"type":426,"attrs":473,"content":474},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[475],{"type":110,"attrs":476,"content":478},{"textAlign":25,"key":477},"p-21",[479],{"text":480,"type":116},"Diferido",{"type":426,"attrs":482,"content":483},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[484],{"type":110,"attrs":485,"content":487},{"textAlign":25,"key":486},"p-22",[488],{"text":489,"type":116},"Inmediato",{"type":426,"attrs":491,"content":492},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[493],{"type":110,"attrs":494,"content":496},{"textAlign":25,"key":495},"p-23",[497],{"text":498,"type":116},"Controlado",{"type":383,"content":500},[501,510,518,527],{"type":426,"attrs":502,"content":503},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[504],{"type":110,"attrs":505,"content":507},{"textAlign":25,"key":506},"p-24",[508],{"text":509,"type":116},"Riesgo de sobregiro",{"type":426,"attrs":511,"content":512},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[513],{"type":110,"attrs":514,"content":516},{"textAlign":25,"key":515},"p-25",[517],{"text":460,"type":116},{"type":426,"attrs":519,"content":520},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[521],{"type":110,"attrs":522,"content":524},{"textAlign":25,"key":523},"p-26",[525],{"text":526,"type":116},"Medio",{"type":426,"attrs":528,"content":529},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[530],{"type":110,"attrs":531,"content":533},{"textAlign":25,"key":532},"p-27",[534],{"text":535,"type":116},"Nulo",{"type":383,"content":537},[538,547,556,565],{"type":426,"attrs":539,"content":540},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[541],{"type":110,"attrs":542,"content":544},{"textAlign":25,"key":543},"p-28",[545],{"text":546,"type":116},"Velocidad de emisión",{"type":426,"attrs":548,"content":549},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[550],{"type":110,"attrs":551,"content":553},{"textAlign":25,"key":552},"p-29",[554],{"text":555,"type":116},"7-15 días",{"type":426,"attrs":557,"content":558},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[559],{"type":110,"attrs":560,"content":562},{"textAlign":25,"key":561},"p-30",[563],{"text":564,"type":116},"5-10 días",{"type":426,"attrs":566,"content":567},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[568],{"type":110,"attrs":569,"content":571},{"textAlign":25,"key":570},"p-31",[572],{"text":573,"type":116},"Inmediata",{"type":383,"content":575},[576,585,594,602],{"type":426,"attrs":577,"content":578},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[579],{"type":110,"attrs":580,"content":582},{"textAlign":25,"key":581},"p-32",[583],{"text":584,"type":116},"Gestión del IVA",{"type":426,"attrs":586,"content":587},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[588],{"type":110,"attrs":589,"content":591},{"textAlign":25,"key":590},"p-33",[592],{"text":593,"type":116},"Manual",{"type":426,"attrs":595,"content":596},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[597],{"type":110,"attrs":598,"content":600},{"textAlign":25,"key":599},"p-34",[601],{"text":593,"type":116},{"type":426,"attrs":603,"content":604},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[605],{"type":110,"attrs":606,"content":608},{"textAlign":25,"key":607},"p-35",[609],{"text":610,"type":116},"Automatizable",{"type":383,"content":612},[613,622,631,640],{"type":426,"attrs":614,"content":615},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[616],{"type":110,"attrs":617,"content":619},{"textAlign":25,"key":618},"p-36",[620],{"text":621,"type":116},"Límites individualizados",{"type":426,"attrs":623,"content":624},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[625],{"type":110,"attrs":626,"content":628},{"textAlign":25,"key":627},"p-37",[629],{"text":630,"type":116},"Limitado",{"type":426,"attrs":632,"content":633},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[634],{"type":110,"attrs":635,"content":637},{"textAlign":25,"key":636},"p-38",[638],{"text":639,"type":116},"No disponible",{"type":426,"attrs":641,"content":642},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[643],{"type":110,"attrs":644,"content":646},{"textAlign":25,"key":645},"p-39",[647],{"text":648,"type":116},"Sí",{"type":383,"content":650},[651,660,669,677],{"type":426,"attrs":652,"content":653},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[654],{"type":110,"attrs":655,"content":657},{"textAlign":25,"key":656},"p-40",[658],{"text":659,"type":116},"Bloqueo por categorías",{"type":426,"attrs":661,"content":662},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[663],{"type":110,"attrs":664,"content":666},{"textAlign":25,"key":665},"p-41",[667],{"text":668,"type":116},"No",{"type":426,"attrs":670,"content":671},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[672],{"type":110,"attrs":673,"content":675},{"textAlign":25,"key":674},"p-42",[676],{"text":668,"type":116},{"type":426,"attrs":678,"content":679},{"colspan":388,"rowspan":388,"colwidth":25,"backgroundColor":25},[680],{"type":110,"attrs":681,"content":683},{"textAlign":25,"key":682},"p-43",[684],{"text":648,"type":116},{"type":283,"attrs":686,"content":688},{"level":687,"textAlign":25},2,[689],{"text":690,"type":116},"¿Cómo elegir la mejor tarjeta de empresa en España?",{"type":110,"attrs":692,"content":694},{"textAlign":25,"key":693},"p-44",[695],{"text":696,"type":116},"La pregunta «¿cuál es la mejor tarjeta de empresa en España?» no tiene una respuesta única. Lo que sí puedes hacer es evaluar cada proveedor con criterios objetivos que impactan directamente en tu operativa diaria. Estos son los seis factores que deberías considerar antes de tomar una decisión:",{"type":283,"attrs":698,"content":699},{"level":285,"textAlign":25},[700],{"text":701,"type":116},"1. Controles de gasto y límites por empleado",{"type":110,"attrs":703,"content":705},{"textAlign":25,"key":704},"p-45",[706],{"text":707,"type":116},"¿Puedes establecer un tope mensual o por transacción para cada empleado? ¿Puedes bloquear categorías de comercio específicas (por ejemplo, retiradas de efectivo o compras personales)? Una tarjeta de empresa con límites individualizados marca la diferencia entre un presupuesto controlado y un sobregiro inesperado al final del mes.",{"type":110,"attrs":709,"content":711},{"textAlign":25,"key":710},"p-46",[712],{"text":713,"type":116},"Las plataformas más avanzadas permiten configurar reglas granulares: límites diarios, semanales y mensuales, restricciones por tipo de comercio e incluso horarios de uso permitido.",{"type":283,"attrs":715,"content":716},{"level":285,"textAlign":25},[717],{"text":718,"type":116},"2. Integración con tu software contable",{"type":110,"attrs":720,"content":722},{"textAlign":25,"key":721},"p-47",[723,725,731],{"text":724,"type":116},"Si la tarjeta no se sincroniza automáticamente con tu ERP o ",{"text":726,"type":116,"marks":727},"herramientas financieras",[728],{"type":218,"attrs":729},{"href":730,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/herramientas-financieras/",{"text":732,"type":116},"  (Sage, A3, Holded, Contaplus, SAP), duplicarás el trabajo de conciliación cada mes. Pregunta siempre si el proveedor ofrece exportación automática de asientos contables, mapeo de categorías de gasto y conciliación en tiempo real.",{"type":110,"attrs":734,"content":736},{"textAlign":25,"key":735},"p-48",[737],{"text":738,"type":116},"Una integración bien configurada puede reducir hasta un 80% el tiempo de entrada manual de datos, según datos de Spendesk. Eso son horas de tu equipo cada mes que puedes redirigir a análisis financiero de mayor valor.",{"type":283,"attrs":740,"content":741},{"level":285,"textAlign":25},[742],{"text":743,"type":116},"3. Captura de recibos y automatización del cumplimiento",{"type":110,"attrs":745,"content":747},{"textAlign":25,"key":746},"p-49",[748,750,756],{"text":749,"type":116},"El 80% de los problemas en auditorías de la AEAT provienen de recibos perdidos o mal archivados. Busca proveedores que permitan a los empleados fotografiar el ticket desde el móvil inmediatamente después de la compra y que envíen recordatorios automáticos si falta documentación. Una buena ",{"text":751,"type":116,"marks":752},"gestión de recibos",[753],{"type":218,"attrs":754},{"href":755,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-recibos/",{"text":757,"type":116}," marca la diferencia entre un cierre contable limpio y una pesadilla de documentación.",{"type":110,"attrs":759,"content":761},{"textAlign":25,"key":760},"p-50",[762,764,770],{"text":763,"type":116},"La mejor práctica del mercado alcanza tasas de entrega de recibos a tiempo del 97-98%. Spendesk consigue este resultado con su funcionalidad «Play by the Rules», que bloquea automáticamente la tarjeta si el empleado no sube el recibo en el plazo establecido. Esto transforma completamente el ",{"text":765,"type":116,"marks":766},"cierre mensual",[767],{"type":218,"attrs":768},{"href":769,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":771,"type":116},".",{"type":283,"attrs":773,"content":774},{"level":285,"textAlign":25},[775],{"text":776,"type":116},"4. Costes y comisiones",{"type":110,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-51",[781],{"text":782,"type":116},"No te fijes solo en la cuota mensual. Calcula el coste total de propiedad: comisiones por transacción nacional e internacional, coste de emisión de tarjetas adicionales (físicas y virtuales), comisiones de cambio de divisa para compras en otras monedas y el tiempo de tu equipo en conciliación manual.",{"type":110,"attrs":784,"content":786},{"textAlign":25,"key":785},"p-52",[787],{"text":788,"type":116},"Una tarjeta «gratuita» que te obliga a 10 horas de trabajo administrativo al mes no es gratuita. El coste real incluye el tiempo de tu equipo, las deducciones fiscales perdidas por recibos extraviados y el riesgo de sanciones por incumplimiento documental.",{"type":283,"attrs":790,"content":791},{"level":285,"textAlign":25},[792],{"text":793,"type":116},"5. Cashback o recompensas",{"type":110,"attrs":795,"content":797},{"textAlign":25,"key":796},"p-53",[798],{"text":799,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Si tu empresa mueve 100.000 euros al año en tarjetas, eso son entre 500 y 1.000 euros de ahorro directo. Para empresas con mayor volumen de gasto, las cifras se multiplican.",{"type":110,"attrs":801,"content":803},{"textAlign":25,"key":802},"p-54",[804],{"text":805,"type":116},"No es el factor decisivo, pero a igualdad de funcionalidades, el cashback suma. Revisa la letra pequeña: algunos programas excluyen categorías habituales o tienen topes de devolución.",{"type":283,"attrs":807,"content":808},{"level":285,"textAlign":25},[809],{"text":810,"type":116},"6. Cobertura física y digital",{"type":110,"attrs":812,"content":814},{"textAlign":25,"key":813},"p-55",[815],{"text":816,"type":116},"¿Necesitas tarjetas físicas para empleados que viajan y pagan en comercios presenciales? ¿Tarjetas virtuales para suscripciones SaaS, compras online y pagos recurrentes? El proveedor ideal ofrece ambas opciones con emisión inmediata y sin coste adicional por tarjeta.",{"type":110,"attrs":818,"content":820},{"textAlign":25,"key":819},"p-56",[821],{"text":822,"type":116},"Las tarjetas virtuales de un solo uso son especialmente útiles para compras puntuales online: se generan en segundos, se usan una vez y desaparecen. Esto elimina el riesgo de suscripciones «zombie» que siguen cobrando meses después de que dejaste de usar el servicio.",{"type":283,"attrs":824,"content":825},{"level":687,"textAlign":25},[826],{"text":827,"type":116},"¿Qué gastos puedes pagar con una tarjeta de empresa?",{"type":110,"attrs":829,"content":831},{"textAlign":25,"key":830},"p-57",[832,834,840],{"text":833,"type":116},"Una tarjeta de empresa puede cubrir cualquier gasto directamente relacionado con la actividad del negocio. Los ",{"text":835,"type":116,"marks":836},"tipos de gastos que las empresas deben controlar",[837],{"type":218,"attrs":838},{"href":839,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/tipos-de-gastos/",{"text":841,"type":116}," más habituales incluyen:",{"type":843,"content":844},"bullet_list",[845,858,870,882,894,906,918],{"type":846,"content":847},"list_item",[848],{"type":110,"attrs":849,"content":851},{"textAlign":25,"key":850},"p-58",[852,856],{"text":853,"type":116,"marks":854},"Viajes y desplazamientos",[855],{"type":303},{"text":857,"type":116},": billetes de avión, tren, autobús, alquiler de vehículos, taxis, VTC, peajes y aparcamientos",{"type":846,"content":859},[860],{"type":110,"attrs":861,"content":863},{"textAlign":25,"key":862},"p-59",[864,868],{"text":865,"type":116,"marks":866},"Alojamiento",[867],{"type":303},{"text":869,"type":116},": hoteles, apartamentos y residencias para viajes de trabajo",{"type":846,"content":871},[872],{"type":110,"attrs":873,"content":875},{"textAlign":25,"key":874},"p-60",[876,880],{"text":877,"type":116,"marks":878},"Combustible",[879],{"type":303},{"text":881,"type":116},": la tarjeta de combustible para empresas o tarjeta de gasolina para empresas es especialmente útil para equipos comerciales con vehículo de empresa, flotas de vehículos y empresas de logística o transporte",{"type":846,"content":883},[884],{"type":110,"attrs":885,"content":887},{"textAlign":25,"key":886},"p-61",[888,892],{"text":889,"type":116,"marks":890},"Suscripciones SaaS",[891],{"type":303},{"text":893,"type":116},": software de productividad, herramientas de marketing, plataformas de colaboración, servicios cloud",{"type":846,"content":895},[896],{"type":110,"attrs":897,"content":899},{"textAlign":25,"key":898},"p-62",[900,904],{"text":901,"type":116,"marks":902},"Material de oficina",[903],{"type":303},{"text":905,"type":116},": consumibles, mobiliario, equipos informáticos, material de papelería",{"type":846,"content":907},[908],{"type":110,"attrs":909,"content":911},{"textAlign":25,"key":910},"p-63",[912,916],{"text":913,"type":116,"marks":914},"Comidas de negocio",[915],{"type":303},{"text":917,"type":116},": almuerzos con clientes, cenas de equipo, catering para reuniones (dentro de los límites legales de representación)",{"type":846,"content":919},[920],{"type":110,"attrs":921,"content":923},{"textAlign":25,"key":922},"p-64",[924,928],{"text":925,"type":116,"marks":926},"Formación",[927],{"type":303},{"text":929,"type":116},": cursos, conferencias, libros profesionales, certificaciones",{"type":283,"attrs":931,"content":932},{"level":285,"textAlign":25},[933],{"text":934,"type":116},"Deducibilidad del IVA en gastos con tarjeta",{"type":110,"attrs":936,"content":938},{"textAlign":25,"key":937},"p-65",[939,941,947],{"text":940,"type":116},"Para que un gasto con tarjeta de empresa sea deducible a efectos del IVA (artículos 92-97 de la Ley del IVA), debe cumplir tres condiciones obligatorias según los ",{"text":942,"type":116,"marks":943},"requisitos de la AEAT para gastos deducibles",[944],{"type":218,"attrs":945},{"href":946,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/irpf-2025/c07-rendimientos-actividades-economicas-estimacion-directa/fase-1-determinacion-rendimiento-neto/gastos-fiscalmente-deducibles/requisitos-considerar-gasto-deducible.html",{"text":948,"type":116},":",{"type":950,"attrs":951,"content":953},"ordered_list",{"order":388,"key":952},"ol-0",[954,966,978],{"type":846,"content":955},[956],{"type":110,"attrs":957,"content":959},{"textAlign":25,"key":958},"p-66",[960,964],{"text":961,"type":116,"marks":962},"Relación directa con la actividad empresarial",[963],{"type":303},{"text":965,"type":116},": el gasto debe ser necesario para generar ingresos gravados. Los gastos personales o mixtos no son deducibles.",{"type":846,"content":967},[968],{"type":110,"attrs":969,"content":971},{"textAlign":25,"key":970},"p-67",[972,976],{"text":973,"type":116,"marks":974},"Factura completa con todos los datos fiscales",[975],{"type":303},{"text":977,"type":116},": no vale un ticket simplificado para gastos superiores a 400 euros. Necesitas factura con NIF del emisor, descripción del servicio, base imponible, tipo de IVA y cuota. Para importes menores, el ticket simplificado es válido, pero la factura completa siempre es preferible.",{"type":846,"content":979},[980],{"type":110,"attrs":981,"content":983},{"textAlign":25,"key":982},"p-68",[984,988,990,996],{"text":985,"type":116,"marks":986},"Registro contable correcto",[987],{"type":303},{"text":989,"type":116},": el gasto debe estar asentado en la contabilidad de la empresa y declarado en el ",{"text":991,"type":116,"marks":992},"Modelo 303",[993],{"type":218,"attrs":994},{"href":995,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/iva/modelo-303-iva-autoliquidacion_/instrucciones.html",{"text":997,"type":116}," trimestral correspondiente.",{"type":283,"attrs":999,"content":1000},{"level":285,"textAlign":25},[1001],{"text":1002,"type":116},"Gastos que NO deberías cargar a una tarjeta de empresa",{"type":843,"content":1004},[1005,1013,1021,1029,1037],{"type":846,"content":1006},[1007],{"type":110,"attrs":1008,"content":1010},{"textAlign":25,"key":1009},"p-69",[1011],{"text":1012,"type":116},"Compras personales de cualquier tipo, aunque se «devuelva» el importe después",{"type":846,"content":1014},[1015],{"type":110,"attrs":1016,"content":1018},{"textAlign":25,"key":1017},"p-70",[1019],{"text":1020,"type":116},"Entretenimiento que exceda los límites legales de representación (comidas superiores a ciertos importes sin justificación comercial)",{"type":846,"content":1022},[1023],{"type":110,"attrs":1024,"content":1026},{"textAlign":25,"key":1025},"p-71",[1027],{"text":1028,"type":116},"Retiradas de efectivo (alto riesgo de auditoría, difícil trazabilidad y comisiones elevadas)",{"type":846,"content":1030},[1031],{"type":110,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-72",[1035],{"text":1036,"type":116},"Gastos sin documentación justificativa (factura o ticket)",{"type":846,"content":1038},[1039],{"type":110,"attrs":1040,"content":1042},{"textAlign":25,"key":1041},"p-73",[1043],{"text":1044,"type":116},"Regalos a clientes por encima de los límites deducibles establecidos por la AEAT",{"type":110,"attrs":1046,"content":1048},{"textAlign":25,"key":1047},"p-74",[1049],{"text":1050,"type":116},"Las plataformas de gestión del gasto más avanzadas permiten bloquear categorías de comercio a nivel de tarjeta. Esto significa que puedes impedir gastos no autorizados antes de que ocurran, no después. Si configuras la tarjeta para rechazar transacciones en cajeros automáticos, el empleado simplemente no podrá sacar efectivo. Es control preventivo, no reactivo.",{"type":283,"attrs":1052,"content":1053},{"level":687,"textAlign":25},[1054],{"text":1055,"type":116},"¿Cómo establecer controles de gasto en tarjetas de empresa?",{"type":110,"attrs":1057,"content":1058},{"textAlign":25,"key":112},[1059],{"text":1060,"type":116},"El verdadero valor de una tarjeta de empresa para empleados no está en el plástico ni en el número de 16 dígitos: está en los controles que puedes configurar para gobernar el gasto antes de que ocurra. Estos son los mecanismos de control más efectivos:",{"type":283,"attrs":1062,"content":1063},{"level":285,"textAlign":25},[1064],{"text":1065,"type":116},"Límites por empleado",{"type":110,"attrs":1067,"content":1068},{"textAlign":25,"key":239},[1069],{"text":1070,"type":116},"Configura un techo de gasto mensual o por transacción para cada titular de tarjeta. Un comercial junior que viaja ocasionalmente no necesita el mismo límite que un director de área que gestiona eventos con clientes. Los límites individualizados evitan sorpresas en el cierre y permiten ajustar la capacidad de gasto al rol de cada persona.",{"type":110,"attrs":1072,"content":1073},{"textAlign":25,"key":270},[1074],{"text":1075,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable, y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1077,"content":1078},{"level":285,"textAlign":25},[1079],{"text":1080,"type":116},"Restricciones por categoría de comercio",{"type":110,"attrs":1082,"content":1083},{"textAlign":25,"key":291},[1084],{"text":1070,"type":116},{"type":110,"attrs":1086,"content":1087},{"textAlign":25,"key":297},[1088],{"text":1089,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1091,"content":1092},{"level":285,"textAlign":25},[1093],{"text":1094,"type":116},"Flujos de aprobación",{"type":110,"attrs":1096,"content":1097},{"textAlign":25,"key":308},[1098],{"text":1099,"type":116},"Configura aprobaciones previas para compras que superen un umbral. Por ejemplo: cualquier gasto superior a 500 euros requiere aprobación del responsable de área antes de que se autorice la transacción. Esto añade una capa de control sin paralizar las operaciones del día a día.",{"type":110,"attrs":1101,"content":1102},{"textAlign":25,"key":323},[1103],{"text":1104,"type":116},"Los flujos de aprobación también funcionan para compras fuera del horario habitual o en categorías sensibles.",{"type":283,"attrs":1106,"content":1107},{"level":285,"textAlign":25},[1108],{"text":1109,"type":116},"Alertas en tiempo real",{"type":110,"attrs":1111,"content":1112},{"textAlign":25,"key":329},[1113],{"text":1114,"type":116},"Tu equipo de finanzas debería recibir una notificación cada vez que se produce una transacción. La visibilidad en tiempo real elimina las sorpresas al final del mes y permite detectar anomalías inmediatamente.",{"type":110,"attrs":1116,"content":1117},{"textAlign":25,"key":338},[1118],{"text":1119,"type":116},"Las alertas configurables por importe o categoría permiten monitorizar solo lo relevante: gastos que superen un umbral o transacciones en categorías sensibles.",{"type":283,"attrs":1121,"content":1122},{"level":285,"textAlign":25},[1123],{"text":1124,"type":116},"Cumplimiento de recibos con bloqueo automático",{"type":110,"attrs":1126,"content":1127},{"textAlign":25,"key":352},[1128],{"text":1129,"type":116},"La función más efectiva para el cierre contable: si el empleado no sube el recibo en un plazo determinado (normalmente 48-72 horas), la tarjeta se bloquea automáticamente hasta que cumpla con la documentación pendiente.",{"type":110,"attrs":1131,"content":1132},{"textAlign":25,"key":358},[1133],{"text":1134,"type":116},"Según datos de Spendesk, la funcionalidad «Play by the Rules» consigue que el 97-98% de los recibos se entreguen a tiempo. Compara eso con la media del sector, donde las empresas recuperan apenas el 60-70% de los recibos, y entenderás por qué esto transforma el cierre mensual.",{"type":283,"attrs":1136,"content":1137},{"level":687,"textAlign":25},[1138],{"text":1139,"type":116},"¿Qué errores comunes cometen las empresas con sus tarjetas?",{"type":110,"attrs":1141,"content":1142},{"textAlign":25,"key":367},[1143],{"text":1144,"type":116},"Después de trabajar con cientos de equipos financieros en toda Europa, estos son los cinco errores que vemos repetirse una y otra vez:",{"type":283,"attrs":1146,"content":1147},{"level":285,"textAlign":25},[1148],{"text":1149,"type":116},"Error 1: usar una única tarjeta de crédito compartida",{"type":110,"attrs":1151,"content":1152},{"textAlign":25,"key":392},[1153,1155,1161],{"text":1154,"type":116},"Una tarjeta que pasa de mano en mano entre empleados es una pesadilla de trazabilidad. No sabes quién ha gastado qué, los recibos se pierden entre varios titulares y el riesgo de fraude interno se multiplica. Cada empleado que gasta debería tener su propia tarjeta con límites individuales y responsabilidad personal sobre sus transacciones. La alternativa a las ",{"text":1156,"type":116,"marks":1157},"hojas de gastos",[1158],{"type":218,"attrs":1159},{"href":1160,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":1162,"type":116}," manuales es un sistema donde cada gasto queda registrado automáticamente.",{"type":283,"attrs":1164,"content":1165},{"level":285,"textAlign":25},[1166],{"text":1167,"type":116},"Error 2: no establecer límites por empleado",{"type":110,"attrs":1169,"content":1170},{"textAlign":25,"key":401},[1171],{"text":1172,"type":116},"Sin topes de gasto individualizados, los presupuestos se descontrolan. Un empleado con buenas intenciones puede aprobar una compra urgente que desequilibra las cuentas del mes. Los límites no son una señal de desconfianza hacia tu equipo: son gobernanza financiera básica que protege tanto a la empresa como al empleado.",{"type":283,"attrs":1174,"content":1175},{"level":285,"textAlign":25},[1176],{"text":1177,"type":116},"Error 3: ignorar el cumplimiento de recibos",{"type":110,"attrs":1179,"content":1180},{"textAlign":25,"key":410},[1181],{"text":1182,"type":116},"Cada recibo que falta es IVA no deducible y un potencial problema con la AEAT en caso de inspección. Las empresas que no tienen un proceso estructurado de cumplimiento de recibos pierden una media del 5% al 10% en deducciones fiscales legítimas. Con tipos de IVA del 21%, eso es dinero real que estás dejando sobre la mesa.",{"type":283,"attrs":1184,"content":1185},{"level":285,"textAlign":25},[1186],{"text":1187,"type":116},"Error 4: elegir una tarjeta sin integración contable",{"type":110,"attrs":1189,"content":1190},{"textAlign":25,"key":419},[1191,1193,1199],{"text":1192,"type":116},"Si tu tarjeta no se sincroniza automáticamente con tu software contable, duplicas el trabajo de conciliación. Eso son horas de tu equipo cada mes que podrían dedicarse a análisis financiero, previsiones de tesorería o negociación con proveedores. Una correcta gestión de las ",{"text":1194,"type":116,"marks":1195},"cuentas de gastos",[1196],{"type":218,"attrs":1197},{"href":1198,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-de-gastos/",{"text":1200,"type":116}," depende de que los datos fluyan automáticamente de la tarjeta al software contable.",{"type":283,"attrs":1202,"content":1203},{"level":285,"textAlign":25},[1204],{"text":1205,"type":116},"Error 5: no desactivar tarjetas cuando los empleados se van",{"type":110,"attrs":1207,"content":1208},{"textAlign":25,"key":431},[1209],{"text":1210,"type":116},"Cada tarjeta activa de un ex-empleado es un riesgo de seguridad. Las plataformas modernas permiten desactivar tarjetas con un clic, en tiempo real. La banca tradicional puede tardar días en procesar una baja.",{"type":283,"attrs":1212,"content":1213},{"level":687,"textAlign":25},[1214],{"text":1215,"type":116},"Resumen: cómo encontrar la tarjeta de empresa adecuada",{"type":110,"attrs":1217,"content":1218},{"textAlign":25,"key":440},[1219],{"text":1220,"type":116,"marks":1221},"Puntos clave:",[1222],{"type":303},{"type":843,"content":1224},[1225,1232,1239,1246,1253],{"type":846,"content":1226},[1227],{"type":110,"attrs":1228,"content":1229},{"textAlign":25,"key":449},[1230],{"text":1231,"type":116},"El modelo prepago ofrece el mayor control sobre el gasto: los empleados solo gastan lo que has aprobado y cargado previamente en su tarjeta.",{"type":846,"content":1233},[1234],{"type":110,"attrs":1235,"content":1236},{"textAlign":25,"key":457},[1237],{"text":1238,"type":116},"Evalúa proveedores por controles de gasto, integración contable, automatización de recibos y coste total de propiedad, no solo por la cuota mensual visible.",{"type":846,"content":1240},[1241],{"type":110,"attrs":1242,"content":1243},{"textAlign":25,"key":468},[1244],{"text":1245,"type":116},"Configura límites individuales, restricciones por categoría y flujos de aprobación desde el primer día de implantación.",{"type":846,"content":1247},[1248],{"type":110,"attrs":1249,"content":1250},{"textAlign":25,"key":477},[1251],{"text":1252,"type":116},"El cumplimiento de recibos automatizado puede alcanzar tasas del 97-98% con la tecnología adecuada, según datos de Spendesk.",{"type":846,"content":1254},[1255],{"type":110,"attrs":1256,"content":1257},{"textAlign":25,"key":486},[1258],{"text":1259,"type":116},"Una tarjeta de empresa no es solo un medio de pago: es un sistema de control del gasto que debería simplificar tu cierre mensual, no complicarlo.",{"type":110,"attrs":1261,"content":1262},{"textAlign":25,"key":495},[1263,1265,1271],{"text":1264,"type":116},"La tarjeta de empresa adecuada para tu equipo no es necesariamente la más barata ni la que ofrece más cashback. Es la que te da visibilidad en tiempo real sobre cada transacción, elimina el trabajo manual de conciliación y garantiza que cada gasto esté correctamente documentado antes de que llegue la auditoría. Descubre cómo funcionan ",{"text":1266,"type":116,"marks":1267},"tarjetas inteligentes de Spendesk",[1268],{"type":218,"attrs":1269},{"href":1270,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/platform/smart-company-cards/",{"text":1272,"type":116}," para empresas que necesitan un control real del gasto.",{"type":110,"attrs":1274,"content":1275},{"textAlign":25,"key":506},[1276],{"text":1277,"type":116},"El siguiente paso: evalúa los proveedores según los criterios de esta guía y solicita una demo de las plataformas que cumplan tus requisitos técnicos y operativos.",{"type":244,"attrs":1279},{"id":1280,"body":1281},"3aa00f69-ece0-4197-9883-9e05e28aca06",[1282],{"_uid":1283,"link":1284,"image":1290,"component":266,"mobileImage":1296},"i-7a17ee7d-a426-497a-ba62-484148db3fa5",[1285],{"tag":90,"_uid":1286,"hide":28,"icon":1287,"link":1289,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1c639cb8-241e-453b-8c52-6c95fd8681a8",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1288},{},{"id":90,"url":256,"linktype":98,"fieldtype":99,"cached_url":256},[1291],{"_uid":1292,"type":90,"asset":1293,"caption":90,"overlay":1295,"component":265},"23deadf9-f3ad-4724-97bd-2022b8308b72",{"id":261,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":262,"copyright":90,"fieldtype":95,"meta_data":1294,"is_external_url":28},{},[],[],{"type":283,"attrs":1298,"content":1299},{"level":687,"textAlign":25},[1300],{"text":1301,"type":116},"Preguntas frecuentes",{"type":110,"attrs":1303,"content":1304},{"textAlign":25,"key":515},[1305],{"type":225},{"type":110,"attrs":1307,"content":1308},{"textAlign":25,"key":523},[1309,1310],{"type":225},{"text":1311,"type":116},"¿Cuál es la diferencia entre tarjeta de crédito y prepago para empresas?",{"type":110,"attrs":1313,"content":1314},{"textAlign":25,"key":532},[1315],{"text":1316,"type":116},"La tarjeta de crédito para empresas funciona con una línea de crédito que se liquida mensualmente, con intereses si aplazas el pago. La tarjeta prepago se carga con un saldo específico antes de su uso. El modelo prepago ofrece mayor control porque el empleado solo puede gastar lo aprobado previamente, con límites de hasta 200.000 euros por transacción en algunas plataformas.",{"type":283,"attrs":1318,"content":1319},{"level":285,"textAlign":25},[1320],{"text":1321,"type":116},"¿Puedo usar una tarjeta de empresa para gasolina o combustible?",{"type":110,"attrs":1323,"content":1324},{"textAlign":25,"key":543},[1325],{"text":1326,"type":116},"Sí. El combustible es un gasto deducible para empresas con actividad que lo justifique (equipos comerciales, flotas, logística). La tarjeta de combustible para empresas es especialmente útil porque puedes restringirla exclusivamente a gasolineras. Conserva siempre la factura completa para la deducción del IVA en el Modelo 303.",{"type":283,"attrs":1328,"content":1329},{"level":285,"textAlign":25},[1330],{"text":1331,"type":116},"¿Qué requisitos piden para obtener una tarjeta de empresa?",{"type":110,"attrs":1333,"content":1334},{"textAlign":25,"key":552},[1335],{"text":1336,"type":116},"Depende del proveedor. Los bancos tradicionales requieren análisis de solvencia, documentación financiera (balances, cuentas anuales) y un proceso de aprobación de 2 a 4 semanas. Las plataformas de tarjetas prepago suelen tener requisitos más ágiles: alta en 24-48 horas sin necesidad de aval ni historial crediticio previo.",{"type":283,"attrs":1338,"content":1339},{"level":285,"textAlign":25},[1340],{"text":1341,"type":116},"¿Las tarjetas de empresa tienen cashback?",{"type":110,"attrs":1343,"content":1344},{"textAlign":25,"key":561},[1345],{"text":1346,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Para una empresa que mueve 200.000 euros anuales en tarjetas, eso supone entre 1.000 y 2.000 euros de ahorro directo. Revisa las condiciones: algunos programas excluyen categorías o tienen topes máximos de devolución anual.",{"type":283,"attrs":1348,"content":1349},{"level":285,"textAlign":25},[1350],{"text":1351,"type":116},"¿Cómo afecta el IVA a los gastos con tarjeta de empresa?",{"type":110,"attrs":1353,"content":1354},{"textAlign":25,"key":570},[1355,1357,1362],{"text":1356,"type":116},"El IVA de los gastos con tarjeta de empresa es deducible si el gasto está relacionado con la actividad empresarial, dispones de factura completa (no ticket simplificado para importes superiores a 400 euros) y lo registras correctamente en tu contabilidad para el ",{"text":991,"type":116,"marks":1358},[1359],{"type":218,"attrs":1360},{"href":1361,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.wolterskluwer.com/es-es/expert-insights/modelo-303-del-iva-que-es",{"text":1363,"type":116},". Los gastos sin documentación justificativa no son deducibles y pueden generar sanciones de la AEAT en caso de inspección.",{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":1370,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":1379,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":1383,"default_full_slug":1384,"translated_slugs":1385,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1371,"icon":1372,"name":1365,"component":1376},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1386,1387,1388],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[1391],{"_uid":1392,"type":90,"asset":1393,"caption":90,"overlay":1397,"component":265},"451ae820-c31f-425a-8b43-8bba285a4d6f",{"id":1394,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1395,"copyright":90,"fieldtype":95,"meta_data":1396,"is_external_url":28},168574011002053,"https://a.storyblok.com/f/146026/1376x768/b29c3c8d91/invoice-data-extraction.png",{},[],[],"2026-04-22 00:00",[1401],{"_uid":1402,"type":90,"asset":1403,"caption":90,"overlay":1407,"component":265},"738c7c89-88ba-4be9-9273-80a88c7d67aa",{"id":1404,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1405,"copyright":90,"fieldtype":95,"meta_data":1406,"is_external_url":28},168581980950531,"https://a.storyblok.com/f/146026/1376x768/652f608b15/company-card-policy.png",{},[],"Descubre los tipos de tarjetas de empresa en España (prepago, crédito, débito), cómo elegir la mejor para tu equipo, configurar controles de gasto y cumplir con el IVA.",[1410],{"cta":1411,"_uid":1418,"image":1419,"title":1421,"subtitle":90,"component":1434},[1412],{"tag":90,"_uid":1413,"hide":28,"icon":1414,"link":1416,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"e68219a7-67a2-44aa-9890-f9139a1a4981",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1415},{},{"id":90,"url":1417,"linktype":98,"fieldtype":99,"cached_url":1417},"https://www.spendesk.com/es/schedule-a-demo/","885126d4-83e1-4d60-9f72-dae11ff77966",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1420},{},{"type":107,"content":1422},[1423],{"type":110,"attrs":1424,"content":1425},{"textAlign":25,"key":112},[1426,1430,1431,1432],{"text":1427,"type":116,"marks":1428},"¿Listo para optimizar la gestión de gastos?",[1429],{"type":303},{"type":225},{"type":225},{"text":1433,"type":116},"Descubre cómo Spendesk puede ayudarte a centralizar los pagos, simplificar procesos y tener más control sobre el gasto en toda tu organización. Habla hoy con uno de nuestros expertos.","ctaBlock",[],"tarjetas-de-empresa","es/blog/tarjetas-de-empresa",-1290,[],176386517,"7005be45-8fe8-4290-9385-e7ea9b6e5f11","2026-04-23T09:51:19.885Z",[],"blog/tarjetas-de-empresa",[1446,1447,1448],{"path":1444,"name":25,"lang":37,"published":25},{"path":1444,"name":25,"lang":39,"published":25},{"path":1444,"name":1436,"lang":32,"published":41},{"header":1450,"footer":2140,"commonContent":2639,"userCentricsAndSegmentMappingTable":2797},{"name":1451,"created_at":1452,"published_at":1453,"updated_at":1454,"id":1455,"uuid":1456,"content":1457,"slug":1951,"full_slug":2127,"sort_by_date":25,"position":52,"tag_list":2128,"is_startpage":28,"parent_id":2130,"meta_data":25,"group_id":2131,"first_published_at":2132,"release_id":25,"lang":32,"path":2133,"alternates":2134,"default_full_slug":2135,"translated_slugs":2136},"Header","2022-03-03T10:18:44.837Z","2026-09-11T12:25:13.217Z","2026-09-11T12:25:13.243Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":1458,"logo":1459,"navbar":1463,"loginBtn":1950,"component":1951,"languages":1952,"logoBlack":1971,"logoWhite":1975,"topNavbar":1980,"footerLinks":1989,"socialLinks":2008,"homepageLink":2048,"getStartedBtn":2060,"announcementBanner":2075,"localeSwitcherTitle":2126},"d642d99f-3914-487e-abe1-9515eca76325",{"id":1460,"alt":81,"name":90,"focus":90,"title":81,"source":90,"filename":1461,"copyright":90,"fieldtype":95,"meta_data":1462,"is_external_url":28},4112223,"https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[1464,1673,1685,1698,1869],{"_uid":1465,"label":1466,"columns":1467,"component":1636,"headingNewBranding":1637},"99e54924-f77d-4501-978a-b578da0140ca","Producto",[1468,1552],{"_uid":1469,"ctas":1470,"label":1466,"component":1550,"labelColor":90,"backgroundIconColor":1551},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[1471,1488,1504,1519,1535],{"tag":90,"_uid":1472,"hide":28,"icon":1473,"link":1477,"type":90,"label":1487,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":1474,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1475,"copyright":90,"fieldtype":95,"meta_data":1476,"is_external_url":28},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":1478,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1480,"prep":41,"story":1481},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","story","/es/platform/mcp",{"name":1482,"id":1483,"uuid":1478,"slug":1484,"url":1485,"full_slug":1486,"_stopResolving":41},"MCP",184147202165078,"mcp","platform/mcp","es/platform/mcp","Spendesk AI connect",{"tag":90,"_uid":1489,"icon":1490,"link":1494,"type":90,"label":1503,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":1491,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1492,"copyright":90,"fieldtype":95,"meta_data":1493,"is_external_url":28},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":1495,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1496,"prep":41,"story":1497},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","/es/product/cards/",{"name":1498,"id":1499,"uuid":1495,"slug":1500,"url":1501,"full_slug":1502,"_stopResolving":41},"Cards",193401086247857,"cards","product/cards/","es/product/cards/","Tarjetas",{"tag":90,"_uid":1505,"hide":28,"icon":1506,"link":1510,"type":90,"label":1514,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":1507,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1508,"copyright":90,"fieldtype":95,"meta_data":1509,"is_external_url":28},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":1511,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1512,"prep":41,"story":1513},"54aaf12a-503f-42e6-afbc-61919d53f941","/es/product/procurement",{"name":1514,"id":1515,"uuid":1511,"slug":1516,"url":1517,"full_slug":1518,"_stopResolving":41},"Procurement",193401601446119,"procurement","product/procurement","es/product/procurement",{"tag":90,"_uid":1520,"hide":28,"icon":1521,"link":1525,"type":90,"label":1534,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":1522,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1523,"copyright":90,"fieldtype":95,"meta_data":1524,"is_external_url":28},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":1526,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1527,"prep":41,"story":1528},"5a15816c-5303-499e-9774-f4eab6597303","/es/product/accounts-payable",{"name":1529,"id":1530,"uuid":1526,"slug":1531,"url":1532,"full_slug":1533,"_stopResolving":41},"Accounts Payable",193400887722918,"accounts-payable","product/accounts-payable","es/product/accounts-payable","Facturas",{"tag":90,"_uid":1536,"icon":1537,"link":1541,"type":90,"label":174,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":1538,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1539,"copyright":90,"fieldtype":95,"meta_data":1540,"is_external_url":28},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":1542,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1543,"prep":41,"story":1544},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","/es/product/expense-management",{"name":1545,"id":1546,"uuid":1542,"slug":1547,"url":1548,"full_slug":1549,"_stopResolving":41},"Expense Management",193401429506811,"expense-management","product/expense-management","es/product/expense-management","ctasColumn","--color-accent-06",{"_uid":1553,"ctas":1554,"label":1635,"component":1550,"labelColor":90,"backgroundIconColor":1551},"c7e769a0-95c8-49e3-a177-8c7061def31b",[1555,1571,1587,1603,1619],{"tag":90,"_uid":1556,"hide":28,"icon":1557,"link":1561,"type":90,"label":1570,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":1558,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1559,"copyright":90,"fieldtype":95,"meta_data":1560,"is_external_url":28},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":1562,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1563,"prep":41,"story":1564},"28bb9756-1ece-4e77-95d1-14f9384a14c9","/es/platform/spends-controls",{"name":1565,"id":1566,"uuid":1562,"slug":1567,"url":1568,"full_slug":1569,"_stopResolving":41},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls","es/platform/spend-controls","Controles de gastos",{"tag":90,"_uid":1572,"hide":28,"icon":1573,"link":1577,"type":90,"label":1586,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":1574,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1575,"copyright":90,"fieldtype":95,"meta_data":1576,"is_external_url":28},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":1578,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1579,"prep":41,"story":1580},"fd085d94-f53b-4b62-8db8-a7210e0836c2","/es/platform/ai-automation",{"name":1581,"id":1582,"uuid":1578,"slug":1583,"url":1584,"full_slug":1585,"_stopResolving":41},"AI & Automation",193401551136651,"ai-automation","platform/ai-automation","es/platform/ai-automation","Inteligencia y Automatización",{"tag":90,"_uid":1588,"hide":28,"icon":1589,"link":1593,"type":90,"label":1602,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":1590,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1591,"copyright":90,"fieldtype":95,"meta_data":1592,"is_private":28,"is_external_url":28},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":1594,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1595,"prep":41,"story":1596},"e0594f7b-c01a-45b3-96e2-186a17439c46","/es/integrations/",{"name":1597,"id":1598,"uuid":1594,"slug":1599,"url":1600,"full_slug":1601,"_stopResolving":41},"Integrations",129006144,"integrations","integrations/","es/integrations/","API & integraciones",{"tag":90,"_uid":1604,"icon":1605,"link":1609,"type":90,"label":1618,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":1606,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1607,"copyright":90,"fieldtype":95,"meta_data":1608,"is_external_url":28},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1610,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1611,"prep":41,"story":1612},"3d432995-4a9f-417f-b7d9-48e760bf8646","/es/product/multi-entity-management",{"name":1613,"id":1614,"uuid":1610,"slug":1615,"url":1616,"full_slug":1617,"_stopResolving":41},"Multi-Entity Management",193401474719366,"multi-entity-management","product/multi-entity-management","es/product/multi-entity-management","Gestión multientidad",{"tag":90,"_uid":1620,"icon":1621,"link":1625,"type":90,"label":1634,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1622,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1623,"copyright":90,"fieldtype":95,"meta_data":1624,"is_external_url":28},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1626,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1627,"prep":41,"story":1628},"b419cae8-61d4-4ab4-919b-71875ceab832","/es/product/budget",{"name":1629,"id":1630,"uuid":1626,"slug":1631,"url":1632,"full_slug":1633,"_stopResolving":41},"Budget",193401384269658,"budget","product/budget","es/product/budget","Presupuesto","Plataforma ","dropdownMenu",[1638],{"cta":1639,"_uid":1654,"title":1655,"eyebrow":1662,"subtitle":1665,"component":283,"textAlign":90,"sectionSettings":1672,"subtitleLeftBorder":28},[1640],{"tag":90,"_uid":1641,"hide":41,"icon":1642,"link":1643,"type":90,"label":1653,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1644,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1645,"prep":41,"story":1646},"d3363100-1268-4a79-860d-dcf3ad572077","/es/platform/platform-releases/june-update-2026",{"name":1647,"id":1648,"uuid":1644,"slug":1649,"url":1650,"translated_name":1651,"full_slug":1652,"_stopResolving":41},"June update 2026",184269172433090,"june-update-2026","platform/platform-releases/june-update-2026","Actualizacion Junio 2026","es/platform/platform-releases/actualizacion-junio-2026","Ver novedades","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":107,"content":1656},[1657],{"type":110,"attrs":1658,"content":1659},{"textAlign":25,"key":112},[1660],{"text":1661,"type":116},"Novedades",{"type":107,"content":1663},[1664],{"type":110},{"type":107,"content":1666},[1667],{"type":110,"attrs":1668,"content":1669},{"textAlign":25,"key":112},[1670],{"text":1671,"type":116},"Ya está aquí la última actualización de tus productos Spendesk",[],{"tag":90,"_uid":1674,"hide":28,"icon":1675,"link":1676,"type":90,"label":1684,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"3e099d1d-7633-470a-b225-70ff55117055",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1677,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1678,"prep":41,"story":1679},"3fa6ea10-966e-4089-af4b-7e6e442aa044","/es/pricing",{"name":1680,"id":1681,"uuid":1677,"slug":1682,"url":1682,"full_slug":1683,"_stopResolving":41},"Pricing",118542802,"pricing","es/pricing","Precios",{"tag":90,"_uid":1686,"icon":1687,"link":1688,"type":90,"label":1697,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1689,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1690,"prep":41,"story":1691},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","/es/customers/",{"name":1692,"id":1693,"uuid":1689,"slug":1694,"url":1695,"full_slug":1696,"_stopResolving":41},"Listing page",107236629,"customers","customers/","es/customers/","Testimonios de clientes",{"_uid":1699,"label":1700,"columns":1701,"component":1636,"headingNewBranding":1868},"59752063-d282-4855-95bc-45cfb825ed90","Recursos",[1702,1767,1837],{"_uid":1703,"ctas":1704,"label":1765,"component":1550,"backgroundIconColor":1766},"705444cd-cbfb-417a-99c3-8481453ed293",[1705,1721,1735,1749],{"tag":90,"_uid":1706,"icon":1707,"link":1711,"type":90,"label":1720,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1708,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1709,"copyright":90,"fieldtype":95,"meta_data":1710,"is_private":28,"is_external_url":28},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1712,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1713,"prep":41,"story":1714},"f85ca87f-b289-449f-9fc4-9c760a70f55b","/es/blog/",{"name":1715,"id":1716,"uuid":1712,"slug":1717,"url":1718,"full_slug":1719,"_stopResolving":41},"Blog homepage (listing page)",181576014,"blog","blog/","es/blog/","Blog",{"tag":90,"_uid":1722,"hide":41,"icon":1723,"link":1727,"type":90,"label":1731,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1724,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1725,"copyright":90,"fieldtype":95,"meta_data":1726,"is_external_url":28},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1728,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1729,"prep":41,"story":1730},"ee09d2a9-10e7-4197-8982-50a2e4c7e73e","/es/webinars",{"name":1731,"id":1732,"uuid":1728,"slug":1733,"url":1733,"full_slug":1734,"_stopResolving":41},"Webinars",657702684,"webinars","es/webinars",{"tag":90,"_uid":1736,"hide":28,"icon":1737,"link":1741,"type":90,"label":1745,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1738,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1739,"copyright":90,"fieldtype":95,"meta_data":1740,"is_private":28,"is_external_url":28},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1742,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1743,"prep":41,"story":1744},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","/es/faq",{"name":1745,"id":1746,"uuid":1742,"slug":1747,"url":1747,"full_slug":1748,"_stopResolving":41},"FAQ",126231937,"faq","es/faq",{"tag":90,"_uid":1750,"hide":28,"icon":1751,"link":1755,"type":90,"label":1764,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1752,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1753,"copyright":90,"fieldtype":95,"meta_data":1754,"is_private":28,"is_external_url":28},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1756,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1757,"prep":41,"story":1758},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","/es/glossary/",{"name":1759,"id":1760,"uuid":1756,"slug":1761,"url":1762,"full_slug":1763,"_stopResolving":41},"Glossary",127190994,"glossary","glossary/","es/glossary/","Glossario","Perspectivas","--color-accent-05",{"_uid":1768,"ctas":1769,"label":1836,"component":1550,"labelColor":90,"backgroundIconColor":1766},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1770,1782,1791,1807,1823],{"tag":90,"_uid":1771,"hide":41,"icon":1772,"link":1774,"type":90,"label":1778,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":1574,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1575,"copyright":90,"fieldtype":95,"meta_data":1773,"is_external_url":28},{},{"id":1775,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1776,"prep":41,"story":1777},"9425912b-288d-48f1-a7c7-6247f58ed8ed","/es/ai",{"name":1778,"id":1779,"uuid":1775,"slug":1780,"url":1780,"full_slug":1781,"_stopResolving":41},"AI Hub",114865617041697,"ai","es/ai",{"tag":90,"_uid":1783,"icon":1784,"link":1788,"type":90,"label":1790,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1785,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1786,"copyright":90,"fieldtype":95,"meta_data":1787,"is_external_url":28},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":90,"url":1789,"linktype":98,"fieldtype":99,"cached_url":1789},"https://www.cfoconnect.eu/en/resources/podcast/","Podcast",{"tag":90,"_uid":1792,"hide":28,"icon":1793,"link":1797,"type":90,"label":1806,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1794,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1795,"copyright":90,"fieldtype":95,"meta_data":1796,"is_external_url":28},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1798,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1799,"prep":41,"story":1800},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","/es/tools/cfo-tech-stack-map",{"name":1801,"id":1802,"uuid":1798,"slug":1803,"url":1804,"full_slug":1805,"_stopResolving":41},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map","tools/cfo-tech-stack-map","es/tools/cfo-tech-stack-map","Stack tecnológico del CFO",{"tag":90,"_uid":1808,"hide":28,"icon":1809,"link":1813,"type":90,"label":1822,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1810,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1811,"copyright":90,"fieldtype":95,"meta_data":1812,"is_external_url":28},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1814,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1815,"prep":41,"story":1816},"ab956bec-b6b4-434a-b4aa-b772873f9577","/es/tools/spend-management-calculator",{"name":1817,"id":1818,"uuid":1814,"slug":1819,"url":1820,"full_slug":1821,"_stopResolving":41},"ROI calculator",159362364,"spend-management-calculator","tools/spend-management-calculator","es/tools/spend-management-calculator","Calculadora de ROI",{"tag":90,"_uid":1824,"icon":1825,"link":1827,"type":90,"label":1835,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"hide":41},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":1522,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1523,"copyright":90,"fieldtype":95,"meta_data":1826,"is_external_url":28},{},{"id":1828,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1829,"prep":41,"story":1830},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","/es/tools/hmrc-mileage-calculator",{"name":1831,"id":1832,"uuid":1828,"slug":1831,"url":1833,"full_slug":1834,"_stopResolving":41},"hmrc-mileage-calculator",590567568,"tools/hmrc-mileage-calculator","es/tools/hmrc-mileage-calculator","HMRC Mileage Calculator","Recursos y herramientas",{"_uid":1838,"ctas":1839,"label":1867,"component":1550,"backgroundIconColor":1766},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1840,1849,1858],{"tag":90,"_uid":1841,"icon":1842,"link":1846,"type":90,"label":1848,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1843,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1844,"copyright":90,"fieldtype":95,"meta_data":1845,"is_external_url":28},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":90,"url":1847,"linktype":98,"fieldtype":99,"cached_url":1847},"https://www.cfoconnect.eu/en/","CFO Connect",{"tag":90,"_uid":1850,"icon":1851,"link":1855,"type":90,"label":1857,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1852,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1853,"copyright":90,"fieldtype":95,"meta_data":1854,"is_private":28,"is_external_url":28},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":90,"url":1856,"linktype":98,"cached_url":1856},"https://www.cfoconnect.eu/en/events/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.10.1650393005163&__hsfp=2647279916","Eventos",{"tag":90,"_uid":1859,"icon":1860,"link":1864,"type":90,"label":1866,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1861,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1862,"copyright":90,"fieldtype":95,"meta_data":1863,"is_private":28,"is_external_url":28},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":90,"url":1865,"linktype":98,"cached_url":1865},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Responsables financieros","Comunidad",[],{"_uid":1870,"label":1871,"columns":1872,"component":1636,"headingNewBranding":1949},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Empresa",[1873,1914],{"_uid":1874,"ctas":1875,"label":1871,"component":1550,"labelColor":90,"backgroundIconColor":1551},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1876,1889,1898],{"tag":90,"_uid":1877,"hide":28,"icon":1878,"link":1880,"type":90,"label":1888,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":1606,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1607,"copyright":90,"fieldtype":95,"meta_data":1879,"is_private":28,"is_external_url":28},{},{"id":1881,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1882,"prep":41,"story":1883},"e44ca227-8de9-44c9-93ac-9229f1e769ba","/es/about",{"name":1884,"id":1885,"uuid":1881,"slug":1886,"url":1886,"full_slug":1887,"_stopResolving":41},"Our story",126213445,"about","es/about","Nuestra historia",{"tag":90,"_uid":1890,"hide":28,"icon":1891,"link":1895,"type":90,"label":1897,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1892,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1893,"copyright":90,"fieldtype":95,"meta_data":1894,"is_external_url":28},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":90,"url":1896,"linktype":98,"fieldtype":99,"cached_url":1896},"https://career.spendesk.com/es/","Carreras",{"tag":90,"_uid":1899,"hide":28,"icon":1900,"link":1904,"type":90,"label":1913,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1901,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1902,"copyright":90,"fieldtype":95,"meta_data":1903,"is_private":28,"is_external_url":28},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1905,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1906,"prep":41,"story":1907},"f09d7678-b42b-4c68-b4a5-3d26d457355c","/es/press/",{"name":1908,"id":1909,"uuid":1905,"slug":1910,"url":1911,"full_slug":1912,"_stopResolving":41},"Spendesk Press",265014512,"press","press/","es/press/","Medios de comunicación",{"_uid":1915,"ctas":1916,"label":1948,"component":1550,"labelColor":90,"backgroundIconColor":1551},"59a11592-e6cb-405d-8208-9e3c365ac046",[1917,1933],{"tag":90,"_uid":1918,"hide":28,"icon":1919,"link":1923,"type":90,"label":1932,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1920,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1921,"copyright":90,"fieldtype":95,"meta_data":1922,"is_private":28,"is_external_url":28},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1924,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1925,"prep":41,"story":1926},"256bc156-b5de-4af2-a9d9-17e2f24d8448","/es/partners/",{"name":1927,"id":1928,"uuid":1924,"slug":1929,"url":1930,"full_slug":1931,"_stopResolving":41},"Partners",113802294,"partners","partners/","es/partners/","Socios",{"tag":90,"_uid":1934,"hide":28,"icon":1935,"link":1939,"type":90,"label":1947,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1936,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1937,"copyright":90,"fieldtype":95,"meta_data":1938,"is_private":28,"is_external_url":28},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1940,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1941,"prep":41,"story":1942},"07eb4f4d-6829-4200-a43a-40fe668dbd09","/es/contact-us",{"name":1943,"id":1944,"uuid":1940,"slug":1945,"url":1945,"full_slug":1946,"_stopResolving":41},"Contact us",126275406,"contact-us","es/contact-us","Contacto"," ",[],"Iniciar sesión","header",[1953,1958,1963,1967],{"_uid":1954,"code":39,"name":1955,"component":1956,"shortName":1957},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1959,"code":1960,"name":1961,"component":1956,"shortName":1962},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1964,"code":32,"name":1965,"component":1956,"shortName":1966},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1968,"code":37,"name":1969,"component":1956,"shortName":1970},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1972,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1973,"copyright":90,"fieldtype":95,"meta_data":1974,"is_external_url":28},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1976,"alt":81,"name":90,"focus":90,"title":1977,"source":90,"filename":1978,"copyright":90,"fieldtype":95,"meta_data":1979,"is_external_url":28},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1981],{"tag":90,"_uid":1982,"hide":28,"icon":1983,"link":1985,"type":90,"label":1987,"style":100,"component":101,"onClickEvent":1988,"openInANewTab":41,"horizontalFill":28},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1984},{},{"id":90,"url":1986,"linktype":98,"fieldtype":99,"cached_url":1986},"https://helpcenter.spendesk.com/es/","Centro de ayuda","website:navbar:helpcenter_cta:clicked",[1990,1995],{"tag":90,"_uid":1991,"hide":28,"icon":1992,"link":1994,"type":90,"label":1987,"style":100,"component":101,"onClickEvent":1988,"openInANewTab":41,"horizontalFill":28},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1993},{},{"id":90,"url":1986,"linktype":98,"fieldtype":99,"cached_url":1986},{"tag":90,"_uid":1996,"hide":28,"icon":1997,"link":1999,"type":90,"label":2007,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95,"meta_data":1998,"is_external_url":28},{},{"id":2000,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2001,"prep":41,"story":2002},"0fcd9d53-6332-4709-aeeb-2e72863eb107","/es/spendesk-security",{"name":2003,"id":2004,"uuid":2000,"slug":2005,"url":2005,"full_slug":2006,"_stopResolving":41},"Security",126230553,"spendesk-security","es/spendesk-security","Seguridad",[2009,2017,2025,2032,2040],{"tag":90,"_uid":2010,"icon":2011,"link":2015,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":2012,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2013,"copyright":90,"fieldtype":95,"meta_data":2014,"is_external_url":28},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":90,"url":2016,"linktype":98,"fieldtype":99,"cached_url":2016},"https://www.facebook.com/spendesk/",{"tag":90,"_uid":2018,"icon":2019,"link":2023,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":2020,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2021,"copyright":90,"fieldtype":95,"meta_data":2022,"is_private":28,"is_external_url":28},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":90,"url":2024,"linktype":98,"fieldtype":99,"cached_url":2024},"https://www.instagram.com/spendesk",{"tag":90,"_uid":2026,"icon":2027,"link":2031,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":2028,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2029,"copyright":90,"fieldtype":95,"meta_data":2030,"is_private":28,"is_external_url":28},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},{"tag":90,"_uid":2033,"icon":2034,"link":2038,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":2035,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2036,"copyright":90,"fieldtype":95,"meta_data":2037,"is_private":28,"is_external_url":28},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":90,"url":2039,"linktype":98,"fieldtype":99,"cached_url":2039},"https://x.com/Spendesk",{"tag":90,"_uid":2041,"hide":28,"icon":2042,"link":2046,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":2043,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2044,"copyright":90,"fieldtype":95,"meta_data":2045,"is_private":28,"is_external_url":28},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":90,"url":2047,"linktype":98,"fieldtype":99,"cached_url":2047},"https://www.youtube.com/c/spendesk",[2049],{"tag":90,"_uid":2050,"hide":28,"icon":2051,"link":2052,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":2053,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2054,"prep":41,"story":2055},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","/es/home",{"name":2056,"id":2057,"uuid":2053,"slug":2058,"url":2058,"full_slug":2059,"_stopResolving":41},"Homepage",106735746,"home","es/home",[2061],{"tag":90,"_uid":2062,"hide":28,"icon":2063,"link":2064,"type":90,"label":2073,"style":100,"component":101,"onClickEvent":2074,"openInANewTab":28,"horizontalFill":28},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":2065,"url":90,"anchor":90,"linktype":1479,"fieldtype":99,"cached_url":2066,"prep":41,"story":2067},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","/es/schedule-a-demo/",{"name":2068,"id":2069,"uuid":2065,"slug":2070,"url":2071,"full_slug":2072,"_stopResolving":41},"Schedule a demo",126838129,"schedule-a-demo","schedule-a-demo/","es/schedule-a-demo/","Agenda una demo","website:navbar:book_a_demo_cta:clicked",[2076],{"_uid":2077,"hide":28,"style":2078,"content":2079,"display":2104,"component":2105,"hideOnMobile":28,"mobileContent":2106},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":107,"attrs":2080,"content":2081},{"backgroundColor":25},[2082],{"type":110,"attrs":2083,"content":2084},{"textAlign":25,"key":112},[2085,2089,2091,2095,2097],{"text":2086,"type":116,"marks":2087},"CFO Connect Summit",[2088],{"type":303},{"text":2090,"type":116}," — 3 días. Demos en directo. Flujos de trabajo reales. Con líderes de DeepL & NetSuite · ",{"text":2092,"type":116,"marks":2093},"13–15 oct.",[2094],{"type":303},{"text":2096,"type":116}," 👉 ",{"text":2098,"type":116,"marks":2099},"Regístrate gratis",[2100,2103],{"type":218,"attrs":2101},{"href":2102,"uuid":25,"anchor":25,"target":25,"linktype":98},"https://www.spendesk.com/events/cfo-connect-summit/?utm_source=spendesk&utm_medium=banner&utm_campaign=cfo_connect_summit_2026&utm_content=banner_top_text_link",{"type":303},"Whole website","announcementBanner",{"type":107,"attrs":2107,"content":2108},{"backgroundColor":25},[2109],{"type":110,"attrs":2110,"content":2111},{"textAlign":25,"key":112},[2112,2115,2117,2120,2121],{"text":2086,"type":116,"marks":2113},[2114],{"type":303},{"text":2116,"type":116}," — 3 días · ",{"text":2092,"type":116,"marks":2118},[2119],{"type":303},{"text":2096,"type":116},{"text":2098,"type":116,"marks":2122},[2123,2125],{"type":218,"attrs":2124},{"href":2102,"uuid":25,"anchor":25,"target":25,"linktype":98},{"type":303},"Seleccione su idioma","es/global-components/header",[2129],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],"global-components/header",[2137,2138,2139],{"path":2135,"name":25,"lang":37,"published":25},{"path":2135,"name":25,"lang":39,"published":25},{"path":2135,"name":25,"lang":32,"published":25},{"name":2141,"created_at":2142,"published_at":2143,"updated_at":2144,"id":2145,"uuid":2146,"content":2147,"slug":2446,"full_slug":2629,"sort_by_date":25,"position":26,"tag_list":2630,"is_startpage":28,"parent_id":2130,"meta_data":25,"group_id":2631,"first_published_at":2632,"release_id":25,"lang":32,"path":1718,"alternates":2633,"default_full_slug":2634,"translated_slugs":2635},"Footer","2022-03-03T10:27:46.390Z","2026-05-13T14:37:35.509Z","2026-05-13T14:37:35.598Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":2148,"lists":2149,"component":2446,"logoLinks":2447,"legalLinks":2464,"socialLinks":2522,"newsletterForm":2548,"complianceLogos":2587,"newsletterTitle":2596,"smallDescription":2597,"newsletterSubtitle":2603,"legalDescriptionText":2604},"68acc184-683a-412b-863a-297708c3cffb",[2150,2269,2342,2415],{"_uid":2151,"ctas":2152,"label":2268,"component":1550,"labelColor":90,"backgroundIconColor":90},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[2153,2167,2181,2189,2203,2217,2231,2243,2256],{"tag":90,"_uid":2154,"hide":28,"icon":2155,"link":2157,"type":90,"label":2166,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6c234d18-72c2-4bd6-9f55-f4e43594afab",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2156},{},{"id":2158,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2159,"prep":41,"story":2160},"55eff7ea-e09a-4ede-98c5-21bc5a882f28","/es/use-cases/invoice-processing",{"name":2161,"id":2162,"uuid":2158,"slug":2163,"url":2164,"full_slug":2165,"_stopResolving":41},"Automated invoice processing",129356665,"invoice-processing","use-cases/invoice-processing","es/use-cases/invoice-processing","Fácil procesamiento de facturas",{"tag":90,"_uid":2168,"hide":28,"icon":2169,"link":2171,"type":90,"label":2180,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"85a7dae5-f766-4f55-b545-3cfe43c0f819",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2170},{},{"id":2172,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2173,"prep":41,"story":2174},"0925f744-a413-46d2-af4e-ed4c9fbd5f06","/es/use-cases/administrative-expenses",{"name":2175,"id":2176,"uuid":2172,"slug":2177,"url":2178,"full_slug":2179,"_stopResolving":41},"Administrative expenses",129781018,"administrative-expenses","use-cases/administrative-expenses","es/use-cases/administrative-expenses","Gastos administrativos",{"tag":90,"_uid":2182,"hide":28,"icon":2183,"link":2185,"type":90,"label":2188,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"dca639bb-1c45-45e9-8ab9-6bf130a9fff7",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2184},{},{"id":2186,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2187,"prep":41},"a5ebc082-5ced-490f-beeb-91473f913fb7","/es/product/subscription-management","Gestión de suscripciones",{"tag":90,"_uid":2190,"hide":28,"icon":2191,"link":2193,"type":90,"label":2202,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9ba916f8-6ed9-4789-a107-907007efc326",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2192},{},{"id":2194,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2195,"prep":41,"story":2196},"2a707a65-6597-4ae6-bbc2-5e3f13075706","/es/use-cases/travel-spending",{"name":2197,"id":2198,"uuid":2194,"slug":2199,"url":2200,"full_slug":2201,"_stopResolving":41},"Travel spending",129190854,"travel-spending","use-cases/travel-spending","es/use-cases/travel-spending","Gastos en viaje de negocios",{"tag":90,"_uid":2204,"hide":28,"icon":2205,"link":2207,"type":90,"label":2216,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"f94a4adb-4c2b-459f-a640-f0c0279ea721",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2206},{},{"id":2208,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2209,"prep":41,"story":2210},"8191ed3b-30f0-4e58-b83d-9bc4c524b120","/es/use-cases/office-expenses",{"name":2211,"id":2212,"uuid":2208,"slug":2213,"url":2214,"full_slug":2215,"_stopResolving":41},"Easily manage office expenses | Spendesk",128717906,"office-expenses","use-cases/office-expenses","es/use-cases/office-expenses","Gastos de oficina",{"tag":90,"_uid":2218,"hide":28,"icon":2219,"link":2221,"type":90,"label":2230,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"518b355a-04dc-4755-ae49-4242b463744d",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2220},{},{"id":2222,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2223,"prep":41,"story":2224},"ca384414-4154-4849-a5c9-3738c1ad70fd","/es/use-cases/digital-advertising-spending",{"name":2225,"id":2226,"uuid":2222,"slug":2227,"url":2228,"full_slug":2229,"_stopResolving":41},"Digital advertising spending",129684661,"digital-advertising-spending","use-cases/digital-advertising-spending","es/use-cases/digital-advertising-spending","Publicidad digital",{"tag":90,"_uid":2232,"hide":41,"icon":2233,"link":2235,"type":90,"label":1545,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"dc00429b-285a-4699-ba81-97bbaf890a70",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2234},{},{"id":2236,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2237,"prep":41,"story":2238},"1c9f0a4a-55a7-46a3-aa93-4bd1ac73c52a","/es/expense-management-software",{"name":2239,"id":2240,"uuid":2236,"slug":2241,"url":2241,"full_slug":2242,"_stopResolving":41},"Expense management software",130935631,"expense-management-software","es/app-controlar-gastos",{"tag":90,"_uid":2244,"hide":41,"icon":2245,"link":2247,"type":90,"label":2255,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"469f4c3f-514e-4233-9145-28711379d5ce",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2246},{},{"id":2248,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2249,"prep":41,"story":2250},"73ff0017-620a-491e-88a2-e14a86be013a","/es/business-expense-cards",{"name":2251,"id":2252,"uuid":2248,"slug":2253,"url":2253,"full_slug":2254,"_stopResolving":41},"Business expense cards ",127581560,"business-expense-cards","es/business-expense-cards","Business Cards",{"tag":90,"_uid":2257,"hide":41,"icon":2258,"link":2260,"type":90,"label":1529,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4cde6a66-266d-48bc-b86f-406e5bc0ec2a",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2259},{},{"id":2261,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2262,"prep":41,"story":2263},"01ed1057-9896-498c-926e-60bc926469a8","/es/accounts-payable-software",{"name":2264,"id":2265,"uuid":2261,"slug":2266,"url":2266,"full_slug":2267,"_stopResolving":41},"Accounts payable software",128157999,"accounts-payable-software","es/accounts-payable-software","Soluciones",{"_uid":2270,"ctas":2271,"label":2341,"component":1550,"labelColor":90,"backgroundIconColor":90},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[2272,2286,2293,2300,2307,2315,2322,2328,2334],{"tag":90,"_uid":2273,"hide":28,"icon":2274,"link":2276,"type":90,"label":2285,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bdc33375-72d8-4afc-b7d3-fc2fb82dc0af",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2275},{},{"id":2277,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2278,"prep":41,"story":2279},"4b39d188-071f-4f1b-9670-76374dd671b8","/es/platform",{"name":2280,"id":2281,"uuid":2277,"slug":2282,"url":2283,"full_slug":2284,"_stopResolving":41},"Platform",511195522,"platform","platform/","es/platform/","Funciones",{"tag":90,"_uid":2287,"hide":28,"icon":2288,"link":2290,"type":90,"label":1514,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7e976f79-3fe6-4f3c-81db-baabd41b8546",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2289},{},{"id":2291,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2292,"prep":41},"f77dd8b1-8d41-4544-ac6a-c6f16b40172d","/es/platform/procure-to-pay",{"tag":90,"_uid":2294,"hide":28,"icon":2295,"link":2297,"type":90,"label":1618,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7e85bd5b-350e-424b-89f7-86a41638fc46",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2296},{},{"id":2298,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2299,"prep":41},"401777c6-ec33-41bf-a126-f5675213ce30","/es/platform/multi-entity-management",{"tag":90,"_uid":2301,"hide":28,"icon":2302,"link":2304,"type":90,"label":1503,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8e12ff56-aeb4-4c77-a7a0-fb740301c3f6",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2303},{},{"id":2305,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2306,"prep":41},"27dba625-a774-450b-9fb8-47efecbc5fc1","/es/product/smart-company-cards",{"tag":90,"_uid":2308,"hide":28,"icon":2309,"link":2311,"type":90,"label":2314,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2fc815b6-120c-475a-9ad5-3365b07f3046",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2310},{},{"id":2312,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2313,"prep":41},"69439fab-65c8-476b-b817-bcd2c0b66df4","/es/platform/virtual-cards","Tarjetas virtuales",{"tag":90,"_uid":2316,"hide":28,"icon":2317,"link":2319,"type":90,"label":2321,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"31cd840e-93a6-4549-a575-70e49458dd04",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2318},{},{"id":1594,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1595,"prep":41,"story":2320},{"name":1597,"id":1598,"uuid":1594,"slug":1599,"url":1600,"full_slug":1601,"_stopResolving":41},"API & Integraciones",{"tag":90,"_uid":2323,"hide":28,"icon":2324,"link":2326,"type":90,"label":1684,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2325},{},{"id":1677,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1678,"prep":41,"story":2327},{"name":1680,"id":1681,"uuid":1677,"slug":1682,"url":1682,"full_slug":1683,"_stopResolving":41},{"tag":90,"_uid":2329,"hide":28,"icon":2330,"link":2332,"type":90,"label":2007,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2331},{},{"id":2000,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2001,"prep":41,"story":2333},{"name":2003,"id":2004,"uuid":2000,"slug":2005,"url":2005,"full_slug":2006,"_stopResolving":41},{"tag":90,"_uid":2335,"hide":28,"icon":2336,"link":2338,"type":90,"label":2340,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2337},{},{"id":90,"url":2339,"linktype":98,"fieldtype":99,"cached_url":2339},"https://trust.spendesk.com/","Centro de confianza","Plataforma",{"_uid":2343,"ctas":2344,"label":2414,"component":1550,"backgroundIconColor":90},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[2345,2351,2356,2362,2375,2382,2388,2394,2401,2407],{"tag":90,"_uid":2346,"hide":28,"icon":2347,"link":2349,"type":90,"label":1697,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2348},{},{"id":1689,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1690,"prep":41,"story":2350},{"name":1692,"id":1693,"uuid":1689,"slug":1694,"url":1695,"full_slug":1696,"_stopResolving":41},{"tag":90,"_uid":2352,"icon":2353,"link":2354,"type":90,"label":1720,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95},{"id":1712,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1713,"prep":41,"story":2355},{"name":1715,"id":1716,"uuid":1712,"slug":1717,"url":1718,"full_slug":1719,"_stopResolving":41},{"tag":90,"_uid":2357,"hide":28,"icon":2358,"link":2360,"type":90,"label":1731,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"ce775eab-1c6b-429e-b2ca-a231431b2f3e",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2359},{},{"id":1728,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1729,"prep":41,"story":2361},{"name":1731,"id":1732,"uuid":1728,"slug":1733,"url":1733,"full_slug":1734,"_stopResolving":41},{"tag":90,"_uid":2363,"hide":28,"icon":2364,"link":2366,"type":90,"label":2374,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2365},{},{"id":2367,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2368,"prep":41,"story":2369},"b116361a-f2a4-40f7-a021-4b9b64edade9","/es/finance-resources",{"name":2370,"id":2371,"uuid":2367,"slug":2372,"url":2372,"full_slug":2373,"_stopResolving":41},"Finance resources",363638378,"finance-resources","es/finance-resources","Biblioteca de contenidos",{"tag":90,"_uid":2376,"hide":28,"icon":2377,"link":2379,"type":90,"label":2381,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2378},{},{"id":1814,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1815,"prep":41,"story":2380},{"name":1817,"id":1818,"uuid":1814,"slug":1819,"url":1820,"full_slug":1821,"_stopResolving":41},"Calculador de ROI",{"tag":90,"_uid":2383,"icon":2384,"link":2386,"type":90,"label":1822,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"hide":41},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":1522,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1523,"copyright":90,"fieldtype":95,"meta_data":2385,"is_external_url":28},{},{"id":1828,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1829,"prep":41,"story":2387},{"name":1831,"id":1832,"uuid":1828,"slug":1831,"url":1833,"full_slug":1834,"_stopResolving":41},{"tag":90,"_uid":2389,"hide":28,"icon":2390,"link":2392,"type":90,"label":1848,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2391},{},{"id":90,"url":2393,"linktype":98,"fieldtype":99,"cached_url":2393},"https://www.cfoconnect.eu/",{"tag":90,"_uid":2395,"hide":28,"icon":2396,"link":2398,"type":90,"label":2400,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2397},{},{"id":1742,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1743,"prep":41,"story":2399},{"name":1745,"id":1746,"uuid":1742,"slug":1747,"url":1747,"full_slug":1748,"_stopResolving":41},"FAQs",{"tag":90,"_uid":2402,"hide":28,"icon":2403,"link":2405,"type":90,"label":1764,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2404},{},{"id":1756,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1757,"prep":41,"story":2406},{"name":1759,"id":1760,"uuid":1756,"slug":1761,"url":1762,"full_slug":1763,"_stopResolving":41},{"tag":90,"_uid":2408,"hide":28,"icon":2409,"link":2411,"type":90,"label":2413,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2410},{},{"id":90,"url":2412,"linktype":98,"fieldtype":99,"cached_url":2412},"https://helpcenter.spendesk.com/es","Ayuda","Resources",{"_uid":2416,"ctas":2417,"label":1871,"component":1550,"backgroundIconColor":90},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[2418,2424,2430,2434,2440],{"tag":90,"_uid":2419,"hide":28,"icon":2420,"link":2422,"type":90,"label":1888,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"2258dba0-720f-4a72-8616-3ee8ad748d39",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2421},{},{"id":1881,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1882,"prep":41,"story":2423},{"name":1884,"id":1885,"uuid":1881,"slug":1886,"url":1886,"full_slug":1887,"_stopResolving":41},{"tag":90,"_uid":2425,"hide":28,"icon":2426,"link":2428,"type":90,"label":1932,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"7f0c013f-0597-4295-8eb2-947bce9f3038",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2427},{},{"id":1924,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1925,"prep":41,"story":2429},{"name":1927,"id":1928,"uuid":1924,"slug":1929,"url":1930,"full_slug":1931,"_stopResolving":41},{"tag":90,"_uid":2431,"icon":2432,"link":2433,"type":90,"label":1897,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"55725d79-a09b-441b-9950-02d332513ec3",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":1896,"linktype":98,"fieldtype":99,"cached_url":1896},{"tag":90,"_uid":2435,"icon":2436,"link":2437,"type":90,"label":1913,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"be048aa8-7d04-41a6-bee0-8d53fcb6149f",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":1905,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2438,"prep":41,"story":2439},"/es/press/press-v2",{"name":1908,"id":1909,"uuid":1905,"slug":1910,"url":1911,"full_slug":1912,"_stopResolving":41},{"tag":90,"_uid":2441,"hide":28,"icon":2442,"link":2444,"type":90,"label":1947,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"b3c4b61d-001b-4c3f-99f0-f787b5837ee9",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2443},{},{"id":1940,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1941,"prep":41,"story":2445},{"name":1943,"id":1944,"uuid":1940,"slug":1945,"url":1945,"full_slug":1946,"_stopResolving":41},"footer",[2448,2456],{"tag":90,"_uid":2449,"hide":28,"icon":2450,"link":2454,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"225df49b-7d21-46c3-986a-89b609d15540",{"id":2451,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2452,"copyright":90,"fieldtype":95,"meta_data":2453,"is_external_url":28},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":90,"url":2455,"linktype":98,"fieldtype":99,"cached_url":2455},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":90,"_uid":2457,"hide":28,"icon":2458,"link":2462,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":2459,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2460,"copyright":90,"fieldtype":95,"meta_data":2461,"is_external_url":28},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":90,"url":2463,"linktype":98,"fieldtype":99,"cached_url":2463},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[2465,2471,2484,2497,2510,2516],{"tag":90,"_uid":2466,"icon":2467,"link":2468,"type":90,"label":2470,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":2053,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2054,"prep":41,"story":2469},{"name":2056,"id":2057,"uuid":2053,"slug":2058,"url":2058,"full_slug":2059,"_stopResolving":41},"© Spendesk",{"tag":90,"_uid":2472,"icon":2473,"link":2474,"type":90,"label":2483,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":2475,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2476,"prep":41,"story":2477},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","/es/legals/terms",{"name":2478,"id":2479,"uuid":2475,"slug":2480,"url":2481,"full_slug":2482,"_stopResolving":41},"T&C index page",126275944,"terms","legals/terms/","es/legals/terms/","Condiciones Generales",{"tag":90,"_uid":2485,"icon":2486,"link":2487,"type":90,"label":2496,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":2488,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2489,"prep":41,"story":2490},"79cf9763-fbf7-44fc-b713-7375d45cc602","/es/legals/privacy",{"name":2491,"id":2492,"uuid":2488,"slug":2493,"url":2494,"full_slug":2495,"_stopResolving":41},"Privacy Policy",126276104,"privacy","legals/privacy","es/legals/privacy","Política de Privacidad",{"tag":90,"_uid":2498,"icon":2499,"link":2500,"type":90,"label":2509,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":2501,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2502,"prep":41,"story":2503},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","/es/legals/cookies-policy",{"name":2504,"id":2505,"uuid":2501,"slug":2506,"url":2507,"full_slug":2508,"_stopResolving":41},"Cookies Policy",156606099,"cookies-policy","legals/cookies-policy","es/legals/cookies-policy","Política de Cookies",{"tag":90,"_uid":2511,"icon":2512,"link":2513,"type":90,"label":2515,"style":100,"component":101,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2514,"linktype":98,"fieldtype":99,"cached_url":2514},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Aviso Legal",{"tag":90,"_uid":2517,"hide":28,"icon":2518,"link":2519,"type":90,"label":2521,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2520,"linktype":98,"fieldtype":99,"cached_url":2520},"openConsentManager.action","Configuración de Cookies",[2523,2528,2533,2538,2543],{"tag":90,"_uid":2524,"icon":2525,"link":2527,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":2012,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2013,"copyright":90,"fieldtype":95,"meta_data":2526,"is_external_url":28},{},{"id":90,"url":2016,"linktype":98,"fieldtype":99,"cached_url":2016},{"tag":90,"_uid":2529,"icon":2530,"link":2532,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":2020,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2021,"copyright":90,"fieldtype":95,"meta_data":2531,"is_private":28,"is_external_url":28},{},{"id":90,"url":2024,"linktype":98,"fieldtype":99,"cached_url":2024},{"tag":90,"_uid":2534,"icon":2535,"link":2537,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":2028,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2029,"copyright":90,"fieldtype":95,"meta_data":2536,"is_private":28,"is_external_url":28},{},{"id":90,"url":97,"linktype":98,"fieldtype":99,"cached_url":97},{"tag":90,"_uid":2539,"icon":2540,"link":2542,"type":90,"label":90,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":2035,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2036,"copyright":90,"fieldtype":95,"meta_data":2541,"is_private":28,"is_external_url":28},{},{"id":90,"url":2039,"linktype":98,"fieldtype":99,"cached_url":2039},{"tag":90,"_uid":2544,"hide":28,"icon":2545,"link":2547,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":2043,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2044,"copyright":90,"fieldtype":95,"meta_data":2546,"is_private":28,"is_external_url":28},{},{"id":90,"url":2047,"linktype":98,"fieldtype":99,"cached_url":2047},[2549],{"_uid":2550,"fields":2551,"component":2581,"submitUrl":2582,"hubspotFormId":2584,"successMessage":2585,"horizontalAlign":90,"onSubmitSegmentEvent":2586},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[2552],{"_uid":2553,"name":2554,"type":116,"label":2555,"required":41,"component":2556,"submitBtn":2557,"legalNotice":2558,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":107,"content":2559},[2560],{"type":110,"content":2561},[2562,2564,2572,2574,2580],{"text":2563,"type":116},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":2565,"type":116,"marks":2566},"Terms of Use",[2567],{"type":218,"attrs":2568},{"href":2569,"uuid":2475,"anchor":25,"custom":2570,"target":221,"linktype":1479,"story":2571},"/legals/terms","[object Object]",{"name":2478,"id":2479,"uuid":2475,"slug":2480,"url":2481,"full_slug":2482,"_stopResolving":41},{"text":2573,"type":116}," and ",{"text":2491,"type":116,"marks":2575},[2576],{"type":218,"attrs":2577},{"href":2578,"uuid":2488,"anchor":25,"custom":2570,"target":221,"linktype":1479,"story":2579},"/legals/privacy",{"name":2491,"id":2492,"uuid":2488,"slug":2493,"url":2494,"full_slug":2495,"_stopResolving":41},{"text":771,"type":116},"formGroup",{"id":90,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2583,"prep":41},"/es/","8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[2588],{"tag":90,"_uid":2589,"hide":28,"icon":2590,"link":2594,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":28,"horizontalFill":28},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":2591,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2592,"copyright":90,"fieldtype":95,"meta_data":2593,"is_external_url":28},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":90,"url":2595,"linktype":98,"fieldtype":99,"cached_url":2595},"https://helpcenter.spendesk.com/es/articles/8850615-antes-despues-que-ha-cambiado-respecto-a-spendesk-tus-tarjetas-visa-business-premium","No te pierdas nunca una noticia",{"type":107,"content":2598},[2599],{"type":110,"content":2600},[2601],{"text":2602,"type":116},"Capacite a tu equipo con la solución completa de gestión de gastos","Suscríbate para recibir los recursos de suscripción más recientes de Spendesk.",{"type":107,"content":2605},[2606,2615,2622],{"type":110,"content":2607},[2608],{"text":2609,"type":116,"marks":2610},"Los servicios de pago son prestados como parte del producto Spendesk por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU.",[2611],{"type":2612,"attrs":2613},"textStyle",{"color":2614},"rgb(0, 0, 0)",{"type":110,"content":2616},[2617],{"text":2618,"type":116,"marks":2619},"Spendesk Financial Services es una entidad de pago francesa autorizada por la ACPR con el número 17518. Adyen N.V. es un banco neerlandés, cuya sucursal en el Reino Unido está autorizada por la FCA a prestar servicios de pago con el número 779800. Sutton Bank es una entidad miembro asegurada por la FDIC.",[2620],{"type":2612,"attrs":2621},{"color":2614},{"type":110,"content":2623},[2624],{"text":2625,"type":116,"marks":2626},"Las tarjetas de débito Visa son emitidas por Spendesk Financial Services en el EEE, por Adyen en el Reino Unido y por Sutton Bank en EE.UU., en virtud de una licencia de Visa.",[2627],{"type":2612,"attrs":2628},{"color":2614},"es/global-components/footer",[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],"global-components/footer",[2636,2637,2638],{"path":2634,"name":25,"lang":37,"published":25},{"path":2634,"name":25,"lang":39,"published":25},{"path":2634,"name":25,"lang":32,"published":25},{"name":2640,"created_at":2641,"published_at":2642,"updated_at":2643,"id":2644,"uuid":2645,"content":2646,"slug":2785,"full_slug":2786,"sort_by_date":25,"position":2787,"tag_list":2788,"is_startpage":28,"parent_id":2130,"meta_data":25,"group_id":2789,"first_published_at":2790,"release_id":25,"lang":32,"path":25,"alternates":2791,"default_full_slug":2792,"translated_slugs":2793},"Common Content","2022-06-07T08:36:57.529Z","2026-09-14T15:53:00.272Z","2026-09-14T15:53:00.292Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":2647,"modalBtn":2648,"component":2649,"modalTitle":2650,"countdownDay":2651,"modalContent":2652,"modalSuccess":2664,"countdownHour":2665,"hubspotFormId":2666,"countdownLabel":2667,"formErrorTitle":2668,"countdownMinute":2669,"countdownSecond":2670,"formErrorButton":2671,"selectNoOptions":2672,"copyPromptLibrary":2673,"formErrorSubtitle":2674,"blogAuthorResources":2675,"byRolePromptLibrary":2676,"copiedPromptLibrary":2677,"selectedPricingPage":2678,"yourPlanPricingPage":2679,"byTopicPromptLibrary":2680,"allRolesPromptLibrary":2681,"modalEmailPlaceholder":2682,"allTopicsPromptLibrary":2683,"emailValidationInvalid":2684,"imageItemsListNoResult":2685,"noResultsPromptLibrary":2686,"phoneValidationInvalid":2687,"blogLoadMoreButtonLabel":2688,"itemsFoundPromptLibrary":2689,"blogArticleUpdatedAtLabel":2690,"blogArticleWatchTimeLabel":2691,"clearFiltersPromptLibrary":2692,"modalExistingAccountTitle":2693,"modalExistingCompanyTitle":2694,"modalForExistingCustomers":2695,"organizationSchemaOffices":2702,"blogArticleListenTimeLabel":2691,"cardsGridSearchPlaceholder":2755,"blogArticlePublishedOnLabel":2756,"blogArticleReadingTimeLabel":2691,"emailValidationInvalidExist":2757,"modalForUnsupportedCountries":2758,"emailValidationInvalidInvited":2764,"organizationSchemaDescription":2765,"organizationSchemaContactEmail":2766,"modalExistingAccountDescription":2767,"modalExistingCompanyDescription":2773,"emailValidationInvalidDomainName":2779,"multiSelectDropdownSelectedLabel":2780,"softwareApplicationSchemaRatingCount":2781,"softwareApplicationSchemaRatingValue":2782,"emailValidationInvalidUnexpectedError":2783,"emailValidationInvalidCompanyRegistered":2784},"c86a540c-0da7-40e9-a9a5-5053e71081de","Enviar","commonContent","Spendesk aún no está disponible en tu país","Días",{"type":107,"content":2653},[2654,2659],{"type":110,"attrs":2655,"content":2656},{"textAlign":25},[2657],{"text":2658,"type":116},"Parece que te encuentras en un país en el que actualmente no prestamos servicio. Sin embargo, si tienes una empresa en el Espacio Económico Europeo o en el Reino Unido, podemos trabajar contigo y puedes reservar una demo.",{"type":110,"attrs":2660,"content":2661},{"textAlign":25},[2662],{"text":2663,"type":116},"De lo contrario, introduce tu correo electrónico a continuación y te avisaremos cuando podamos ayudarte en tu país.","Gracias por enviar el formulario","Horas","b095740c-b878-41dd-9a7b-f393d2e4de30","El evento comienza en","Ups, algo va mal…","Minutos","Segundos","Actualizar","Aquí no hay opciones.","Copiar prompt","Se ha producido un error al enviar el formulario. Asegúrese de desactivar los bloqueadores de anuncios de su navegador e inténtelo de nuevo.","Artículos de {firstName}","Por rol","¡Copiado!","seleccionados","Tu plan","Por tema","Todos los roles","Correo electrónico del trabajo","Todos los temas","Correo electrónico no válido","Sin resultados","No hay ningún prompt que coincida con estos filtros. Prueba a quitarlos.","Número de teléfono no válido","Cargar más","encontrados","Actualizado el","min","Borrar filtros","Ya tienes una cuenta Spendesk","Su empresa ya tiene una cuenta Spendesk",{"type":107,"content":2696},[2697,2701],{"type":110,"content":2698},[2699],{"text":2700,"type":116},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":110},[2703,2719,2731,2743],{"cta":2704,"_uid":2711,"image":2712,"title":2716,"subtitle":2717,"component":2718},[2705],{"tag":90,"_uid":2706,"icon":2707,"link":2708,"type":90,"label":2710,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2709,"linktype":98,"fieldtype":99,"cached_url":2709},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":2713,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2714,"copyright":90,"fieldtype":95,"meta_data":2715,"is_external_url":28},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, Francia","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":2720,"_uid":2726,"image":2727,"title":2729,"subtitle":2730,"component":2718},[2721],{"tag":90,"_uid":2722,"icon":2723,"link":2724,"type":90,"label":2710,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2725,"linktype":98,"fieldtype":99,"cached_url":2725},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":2713,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2714,"copyright":90,"fieldtype":95,"meta_data":2728,"is_external_url":28},{},"Londres, Reino Unido","168 Old Street, EC1V 9BP",{"cta":2732,"_uid":2738,"image":2739,"title":2741,"subtitle":2742,"component":2718},[2733],{"tag":90,"_uid":2734,"icon":2735,"link":2736,"type":90,"label":2710,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2737,"linktype":98,"fieldtype":99,"cached_url":2737},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":2713,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2714,"copyright":90,"fieldtype":95,"meta_data":2740,"is_external_url":28},{},"Berlina, Alemania","Warschauer Pl. 11-13, 10245",{"cta":2744,"_uid":2750,"image":2751,"title":2753,"subtitle":2754,"component":2718},[2745],{"tag":90,"_uid":2746,"icon":2747,"link":2748,"type":90,"label":2710,"style":100,"component":101,"onClickEvent":90,"openInANewTab":41},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":90,"copyright":25,"fieldtype":95},{"id":90,"url":2749,"linktype":98,"fieldtype":99,"cached_url":2749},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":2713,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2714,"copyright":90,"fieldtype":95,"meta_data":2752,"is_external_url":28},{},"Madrid, España","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Publicado el","Parece que ya tienes una cuenta con Spendesk, así que puedes iniciar sesión.",{"type":107,"content":2759},[2760],{"type":110,"content":2761},[2762],{"text":2763,"type":116},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","Parece que ya te han invitado a Spendesk. Comprueba tu bandeja de entrada o pídele a tu administrador que te reenvíe la invitación.","Spendesk es una plataforma integral de gestión de gastos y compras que ayuda a las empresas a gestionar tarjetas corporativas, pagos de facturas, suscripciones y gastos de la empresa en tiempo real.","support@spendesk.com",{"type":107,"content":2768},[2769],{"type":110,"content":2770},[2771],{"text":2772,"type":116},"Ya existe una cuenta de Spendesk asociada a esta dirección de correo electrónico.",{"type":107,"content":2774},[2775],{"type":110,"content":2776},[2777],{"text":2778,"type":116},"Su empresa ya tiene una cuenta en Spendesk. Solicite acceso a su equipo financiero.","Esto parece ser un correo electrónico personal. Introduce tu dirección de correo profesional.","selected","412","4.6","Se ha producido un error inesperado. Inténtalo de nuevo más tarde o contacta con el equipo de soporte para obtener ayuda.","Esta empresa ya está registrada. Ponte en contacto con tu administrador.","commoncontent","es/global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],"global-components/commoncontent",[2794,2795,2796],{"path":2792,"name":25,"lang":37,"published":25},{"path":2792,"name":25,"lang":39,"published":25},{"path":2792,"name":25,"lang":32,"published":25},[2798,2802,2806,2810,2814,2818,2822,2826,2830],{"id":2799,"name":2800,"value":2801,"dimension_value":25},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2803,"name":2804,"value":2805,"dimension_value":25},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2807,"name":2808,"value":2809,"dimension_value":25},10736155,"Intercom","ryDQcVoOoZQ",{"id":2811,"name":2812,"value":2813,"dimension_value":25},10736156,"HubSpot","ry0QcNodoWQ",{"id":2815,"name":2816,"value":2817,"dimension_value":25},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2819,"name":2820,"value":2821,"dimension_value":25},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2823,"name":2824,"value":2825,"dimension_value":25},10736765,"Bing Ads","dsS7z9Hv4",{"id":2827,"name":2828,"value":2829,"dimension_value":25},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2831,"name":2832,"value":2833,"dimension_value":25},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2835,"component":2836,"sidebarCta":2837,"exitModalPopup":2875,"newsletterForm":2876,"newsletterTitle":2901,"bottomArticleCta":2902,"moreArticlesLabel":2934,"breadcrumbBlogLink":2935,"newsletterSubtitle":2937,"breadcrumbBlogLabel":1720,"breadcrumbArticleLabel":1365,"hiddenNewsletterOnTopics":2938,"componentsAfterTheArticle":2941,"moreArticlesLabelFallback":3081,"sidebarTableOfContentsLabel":3082},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2838],{"cta":2839,"_uid":2847,"image":2848,"title":2852,"subtitle":2874,"component":1434},[2840],{"tag":90,"_uid":2841,"hide":28,"icon":2842,"link":2844,"type":90,"label":2073,"style":100,"component":101,"mobileLabel":90,"onClickEvent":2846,"openInANewTab":28,"horizontalFill":28},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2843},{},{"id":2065,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2066,"prep":41,"story":2845},{"name":2068,"id":2069,"uuid":2065,"slug":2070,"url":2071,"full_slug":2072,"_stopResolving":41},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2849,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":2850,"copyright":90,"fieldtype":95,"meta_data":2851,"is_external_url":28},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":107,"content":2853},[2854],{"type":110,"attrs":2855,"content":2856},{"textAlign":25,"key":112},[2857,2866,2867],{"text":2858,"type":116,"marks":2859},"Gasta mejor. ",[2860,2862],{"type":2612,"attrs":2861},{"color":90},{"type":2863,"attrs":2864},"styled",{"class":2865},"text-item-heading text-item-heading-md",{"type":225},{"text":2868,"type":116,"marks":2869},"Trabaja mejor.",[2870,2872],{"type":2612,"attrs":2871},{"color":90},{"type":2863,"attrs":2873},{"class":2865},"Centraliza tarjetas, facturas y gastos en un único flujo controlado para tener visibilidad en tiempo real y acelerar el cierre financiero.",[],[2877],{"_uid":2878,"fields":2879,"component":2581,"submitUrl":2899,"hubspotFormId":2584,"successMessage":2585,"horizontalAlign":90,"onSubmitSegmentEvent":2900},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2880],{"_uid":2881,"name":2554,"type":116,"label":2555,"required":41,"component":2556,"submitBtn":2557,"legalNotice":2882,"placeholder":90,"validateEmail":41,"blockPersonalEmailAddresses":28},"cc924123-e126-4829-a72a-43fcf863a045",{"type":107,"content":2883},[2884],{"type":110,"content":2885},[2886,2887,2892,2893,2898],{"text":2563,"type":116},{"text":2565,"type":116,"marks":2888},[2889],{"type":218,"attrs":2890},{"href":2569,"uuid":2475,"anchor":25,"custom":2570,"target":221,"linktype":1479,"story":2891},{"name":2478,"id":2479,"uuid":2475,"slug":2480,"url":2481,"full_slug":2482,"_stopResolving":41},{"text":2573,"type":116},{"text":2491,"type":116,"marks":2894},[2895],{"type":218,"attrs":2896},{"href":2578,"uuid":2488,"anchor":25,"custom":2570,"target":221,"linktype":1479,"story":2897},{"name":2491,"id":2492,"uuid":2488,"slug":2493,"url":2494,"full_slug":2495,"_stopResolving":41},{"text":771,"type":116},{"id":90,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2583,"prep":41},"website:article:blog_newsletter:form_completed","¿Te gusta lo que lees?",[2903],{"cta":2904,"_uid":2919,"image":2920,"title":2922,"subtitle":2933,"component":1434},[2905],{"tag":90,"_uid":2906,"hide":28,"icon":2907,"link":2909,"type":90,"label":2917,"style":100,"component":101,"mobileLabel":90,"onClickEvent":2918,"openInANewTab":28,"horizontalFill":28},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":2908},{},{"id":2910,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2911,"prep":41,"story":2912},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/es/platform-tour",{"name":2913,"id":2914,"uuid":2910,"slug":2915,"url":2915,"full_slug":2916,"_stopResolving":41},"Platform tour",413550505,"platform-tour","es/platform-tour","Probar demo interactivo","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"filename":25,"copyright":25,"fieldtype":95,"meta_data":2921,"is_external_url":28},{},{"type":107,"content":2923},[2924],{"type":110,"attrs":2925,"content":2926},{"textAlign":25},[2927],{"text":2928,"type":116,"marks":2929},"¿Quieres saber  cómo funciona Spendesk?",[2930],{"type":2863,"attrs":2931},{"class":2932},"patron-heading-2 accentuation-01","Prueba nuestro demo interactivo y descubre como controlar  el gasto y las aprobaciones de principio a fin.","Más artículos sobre",{"id":1712,"url":90,"linktype":1479,"fieldtype":99,"cached_url":1713,"prep":41,"story":2936},{"name":1715,"id":1716,"uuid":1712,"slug":1717,"url":1718,"full_slug":1719,"_stopResolving":41},"Publicamos nuevos artículos como este cada semana. Suscríbete a nuestro Newsletter para mantenerte informado.",[2939,2940],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2942],{"cta":2943,"_uid":2944,"items":2945,"heading":3058,"reverse":28,"component":3079,"sectionSettings":3080},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2946,3001],{"_uid":2947,"title":2948,"component":2949,"description":2950},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?","faqItem",{"type":107,"content":2951},[2952,2957,2981,2986,2991,2996],{"type":110,"attrs":2953,"content":2954},{"textAlign":25},[2955],{"text":2956,"type":116},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":950,"attrs":2958,"content":2959},{"order":388},[2960,2967,2974],{"type":846,"content":2961},[2962],{"type":110,"attrs":2963,"content":2964},{"textAlign":25},[2965],{"text":2966,"type":116},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":846,"content":2968},[2969],{"type":110,"attrs":2970,"content":2971},{"textAlign":25},[2972],{"text":2973,"type":116},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":846,"content":2975},[2976],{"type":110,"attrs":2977,"content":2978},{"textAlign":25},[2979],{"text":2980,"type":116},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":110,"attrs":2982,"content":2983},{"textAlign":25},[2984],{"text":2985,"type":116},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":110,"attrs":2987,"content":2988},{"textAlign":25},[2989],{"text":2990,"type":116},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":110,"attrs":2992,"content":2993},{"textAlign":25},[2994],{"text":2995,"type":116},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":110,"attrs":2997,"content":2998},{"textAlign":25},[2999],{"text":3000,"type":116},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":3002,"title":3003,"component":2949,"description":3004},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":107,"content":3005},[3006,3011,3023,3028,3038,3043,3048,3053],{"type":110,"attrs":3007,"content":3008},{"textAlign":25},[3009],{"text":3010,"type":116},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":110,"attrs":3012,"content":3013},{"textAlign":25},[3014,3018,3021],{"text":3015,"type":116,"marks":3016},"Para los empleados",[3017],{"type":303},{"type":225,"marks":3019},[3020],{"type":303},{"text":3022,"type":116},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":110,"attrs":3024,"content":3025},{"textAlign":25},[3026],{"text":3027,"type":116},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":110,"attrs":3029,"content":3030},{"textAlign":25},[3031,3035,3036],{"text":3032,"type":116,"marks":3033},"Para los equipos financieros",[3034],{"type":303},{"type":225},{"text":3037,"type":116},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":110,"attrs":3039,"content":3040},{"textAlign":25},[3041],{"text":3042,"type":116},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":110,"attrs":3044,"content":3045},{"textAlign":25},[3046],{"text":3047,"type":116},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":110,"attrs":3049,"content":3050},{"textAlign":25},[3051],{"text":3052,"type":116},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":110,"attrs":3054,"content":3055},{"textAlign":25},[3056],{"text":3057,"type":116},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[3059],{"cta":3060,"_uid":3061,"title":3062,"eyebrow":3069,"subtitle":3072,"component":283,"textAlign":90,"sectionSettings":3078,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":107,"content":3063},[3064],{"type":283,"attrs":3065,"content":3066},{"level":687},[3067],{"text":3068,"type":116},"Empezar con Spendesk",{"type":107,"content":3070},[3071],{"type":110},{"type":107,"content":3073},[3074],{"type":110,"content":3075},[3076],{"text":3077,"type":116},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],"faqSection",[],"Otros artículos","Enlaces rápidos",[3084,3214,3282,3364],{"name":3085,"created_at":3086,"published_at":3087,"updated_at":3088,"id":3089,"uuid":3090,"content":3091,"slug":3202,"full_slug":3203,"sort_by_date":25,"position":3204,"tag_list":3205,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3206,"first_published_at":3207,"release_id":25,"lang":32,"path":25,"alternates":3208,"default_full_slug":3209,"translated_slugs":3210},"Cómo implementar un programa de tarjetas corporativas: política de gastos, límites y control","2026-09-14T09:05:48.250Z","2026-09-21T13:20:26.436Z","2026-09-21T13:20:26.463Z",219902559274410,"4b4df6a5-780a-41f8-a368-0aed139650fb",{"_uid":3092,"title":3085,"topics":3093,"noIndex":28,"category":3102,"language":3111,"component":1377,"heroMedia":3112,"metaTitle":3113,"publishedAt":3114,"readingTime":3115,"redirectUrl":90,"listingImage":3116,"metaDescription":3124,"bottomArticleCta":3125,"componentsAfterTheArticle":3126},"f36db74d-6f08-44a3-acef-63fdccdef25d",[3094],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3095,"slug":140,"full_slug":141,"sort_by_date":25,"position":142,"tag_list":3096,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":145,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3097,"default_full_slug":148,"translated_slugs":3098,"_stopResolving":41},{"_uid":138,"name":139,"component":22},[],[],[3099,3100,3101],{"path":148,"name":25,"lang":37,"published":25},{"path":148,"name":25,"lang":39,"published":25},{"path":148,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3103,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3105,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3106,"default_full_slug":1384,"translated_slugs":3107,"_stopResolving":41},{"_uid":1371,"icon":3104,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3108,3109,3110],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Cómo implementar un programa de tarjetas corporativas: polít","2026-09-07 00:00","12",[3117],{"_uid":3118,"link":3119,"asset":3120,"caption":90,"component":265},"c2cb6e46-ad77-48f2-ab3e-b6554d050481",{"id":90,"url":90,"linktype":1479,"fieldtype":99,"cached_url":2583,"prep":41},{"id":3121,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3122,"copyright":90,"fieldtype":95,"meta_data":3123,"is_external_url":28},222442221631709,"https://a.storyblok.com/f/146026/1672x941/a2bfffebb8/programa-de-tarjetas-corporativas.png",{},"Cómo implementar un programa de tarjetas corporativas en España: política de gastos, tarjetas físicas y virtuales, límites, aprobaciones y control contable.",[],[3127],{"_uid":3128,"items":3129,"heading":3180,"component":3079},"f1232b6d-1219-420e-a856-7ac921bcb937",[3130,3140,3150,3160,3170],{"_uid":3131,"title":3132,"component":2949,"description":3133},"00fcc00e-7b6f-4ea0-a40e-031229f1fd67","¿Qué es un programa de tarjetas corporativas?",{"type":107,"content":3134},[3135],{"type":110,"attrs":3136,"content":3137},{"textAlign":25},[3138],{"text":3139,"type":116},"Es un sistema para gestionar los pagos de la empresa mediante una política de gastos, tarjetas físicas o virtuales, límites, aprobaciones y control de la documentación. Su función es mejorar la trazabilidad y ordenar el proceso desde la solicitud o el pago hasta la revisión contable.",{"_uid":3141,"title":3142,"component":2949,"description":3143},"502ec7fe-536f-4fc2-a8f8-1a798b68903e","¿Qué diferencia hay entre una tarjeta corporativa de crédito y una tarjeta prepago o de débito?",{"type":107,"content":3144},[3145],{"type":110,"attrs":3146,"content":3147},{"textAlign":25},[3148],{"text":3149,"type":116},"La tarjeta de crédito utiliza una línea de crédito y permite aplazar el pago según las condiciones de la entidad emisora. Las tarjetas prepago o de débito no funcionan necesariamente con ese mismo esquema de financiación. La opción adecuada depende de la tesorería, los controles y las necesidades operativas de la empresa.",{"_uid":3151,"title":3152,"component":2949,"description":3153},"e22f8085-0e57-4ced-bde0-8ae2f7fb6b5d","¿Qué debe incluir una política de gastos?",{"type":107,"content":3154},[3155],{"type":110,"attrs":3156,"content":3157},{"textAlign":25},[3158],{"text":3159,"type":116},"Debe indicar quién puede utilizar una tarjeta, qué compras están permitidas, qué límites se aplican, qué gastos necesitan aprobación y qué justificantes deben aportarse. También conviene definir cómo se gestionan las excepciones y los gastos no previstos.",{"_uid":3161,"title":3162,"component":2949,"description":3163},"c7944eda-a63e-4b02-9c6f-234c7bba0723","¿Cómo puede ayudar Spendesk a gestionar un programa de tarjetas corporativas?",{"type":107,"content":3164},[3165],{"type":110,"attrs":3166,"content":3167},{"textAlign":25},[3168],{"text":3169,"type":116},"Spendesk reúne tarjetas físicas y virtuales con controles de gasto, flujos de aprobación y funciones para capturar y organizar justificantes. También puede preparar información para los procesos contables, según las integraciones y la configuración contratada. La empresa mantiene la responsabilidad de revisar el tratamiento fiscal y contable de sus operaciones.",{"_uid":3171,"title":3172,"component":2949,"description":3173},"313cd4a4-0744-4702-af66-f35044951477","¿Por dónde empezar a implantar un programa de tarjetas corporativas?",{"type":107,"content":3174},[3175],{"type":110,"attrs":3176,"content":3177},{"textAlign":25},[3178],{"text":3179,"type":116},"Lo recomendable es comenzar con un piloto, definir la política, configurar los límites y aprobaciones, emitir las tarjetas necesarias y revisar las primeras transacciones. Después se puede ajustar el proceso y ampliarlo progresivamente al resto de la empresa.",[3181],{"cta":3182,"_uid":3183,"title":3184,"eyebrow":3190,"subtitle":3195,"component":283,"textAlign":90,"flexibleSection":3200,"sectionSettings":3201,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"640c60ad-95b2-4a5d-90f7-4b365398c50d",{"type":107,"content":3185},[3186],{"type":283,"attrs":3187,"content":3188},{"level":687,"textAlign":25},[3189],{"text":1301,"type":116},{"type":107,"content":3191},[3192],{"type":110,"attrs":3193,"content":3194},{"textAlign":25},[],{"type":107,"content":3196},[3197],{"type":110,"attrs":3198,"content":3199},{"textAlign":25},[],[],[],"programa-de-tarjetas-corporativas","es/blog/programa-de-tarjetas-corporativas",-3440,[],"1762209a-287f-4042-bf28-979a2dd1a50f","2026-09-14T09:05:48.327Z",[],"blog/programa-de-tarjetas-corporativas",[3211,3212,3213],{"path":3209,"name":25,"lang":37,"published":25},{"path":3209,"name":25,"lang":39,"published":25},{"path":3209,"name":25,"lang":32,"published":25},{"name":3215,"created_at":3216,"published_at":3217,"updated_at":3218,"id":3219,"uuid":3220,"content":3221,"slug":3270,"full_slug":3271,"sort_by_date":25,"position":3272,"tag_list":3273,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3274,"first_published_at":3275,"release_id":25,"lang":32,"path":25,"alternates":3276,"default_full_slug":3277,"translated_slugs":3278},"Software de control de gastos: cómo elegir la herramienta que tu empresa necesita","2026-05-05T08:09:38.755Z","2026-07-15T11:57:54.699Z","2026-08-10T20:53:19.857Z",173174697029587,"7464fa48-6e74-4927-9520-0c178aac8cc9",{"_uid":3222,"title":3215,"topics":3223,"noIndex":28,"category":3248,"language":3257,"component":1377,"heroMedia":3258,"publishedAt":3259,"redirectUrl":90,"listingImage":3260,"metaDescription":3267,"bottomArticleCta":3268,"componentsAfterTheArticle":3269},"1230d1d1-79e5-474e-9e4f-40ff16cdaf04",[3224,3232,3240],{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":3225,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":3226,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3227,"default_full_slug":202,"translated_slugs":3228,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[3229,3230,3231],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3233,"slug":140,"full_slug":141,"sort_by_date":25,"position":142,"tag_list":3234,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":145,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3235,"default_full_slug":148,"translated_slugs":3236,"_stopResolving":41},{"_uid":138,"name":139,"component":22},[],[],[3237,3238,3239],{"path":148,"name":25,"lang":37,"published":25},{"path":148,"name":25,"lang":39,"published":25},{"path":148,"name":25,"lang":32,"published":25},{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":3241,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":3242,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3243,"default_full_slug":185,"translated_slugs":3244,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[3245,3246,3247],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3249,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3251,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3252,"default_full_slug":1384,"translated_slugs":3253,"_stopResolving":41},{"_uid":1371,"icon":3250,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3254,3255,3256],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"2026-04-15 00:00",[3261],{"_uid":3262,"asset":3263,"caption":90,"component":265},"8606b9be-9ff6-4a54-8da9-bbbf26053d35",{"id":3264,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3265,"copyright":90,"fieldtype":95,"meta_data":3266,"is_external_url":28},198033378257341,"https://a.storyblok.com/f/146026/2752x1536/71b7bb739a/spendesk_blog_cover_expense_software_v4.jpg",{},"Descubre qué características buscar en un software de control de gastos, cómo automatizar notas de gastos y reembolsos, y qué herramientas se integran con tu ERP.",[],[],"software-de-control-de-gastos","es/blog/software-de-control-de-gastos",-1590,[],"07fb53a0-0fae-43f8-b688-e684fc961a6a","2026-05-14T15:15:55.277Z",[],"blog/software-de-control-de-gastos",[3279,3280,3281],{"path":3277,"name":25,"lang":37,"published":25},{"path":3277,"name":25,"lang":39,"published":25},{"path":3277,"name":25,"lang":32,"published":25},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":3283,"slug":1436,"full_slug":1437,"sort_by_date":25,"position":1438,"tag_list":3358,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":1441,"first_published_at":1442,"release_id":25,"lang":32,"path":25,"alternates":3359,"default_full_slug":1444,"translated_slugs":3360},{"_uid":11,"title":4,"topics":3284,"noIndex":28,"category":3317,"language":3326,"component":1377,"heroMedia":3327,"publishedAt":1399,"redirectUrl":90,"listingImage":3332,"metaDescription":1408,"bottomArticleCta":3337,"componentsAfterTheArticle":3357},[3285,3293,3301,3309],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3286,"slug":140,"full_slug":141,"sort_by_date":25,"position":142,"tag_list":3287,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":145,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3288,"default_full_slug":148,"translated_slugs":3289,"_stopResolving":41},{"_uid":138,"name":139,"component":22},[],[],[3290,3291,3292],{"path":148,"name":25,"lang":37,"published":25},{"path":148,"name":25,"lang":39,"published":25},{"path":148,"name":25,"lang":32,"published":25},{"name":154,"created_at":155,"published_at":16,"updated_at":156,"id":157,"uuid":158,"content":3294,"slug":161,"full_slug":162,"sort_by_date":25,"position":163,"tag_list":3295,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":165,"first_published_at":166,"release_id":25,"lang":32,"path":25,"alternates":3296,"default_full_slug":168,"translated_slugs":3297,"_stopResolving":41},{"_uid":160,"name":154,"component":22},[],[],[3298,3299,3300],{"path":168,"name":25,"lang":37,"published":25},{"path":168,"name":25,"lang":39,"published":25},{"path":168,"name":25,"lang":32,"published":25},{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":3302,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":3303,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3304,"default_full_slug":185,"translated_slugs":3305,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[3306,3307,3308],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":3310,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":3311,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3312,"default_full_slug":202,"translated_slugs":3313,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[3314,3315,3316],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3318,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3320,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3321,"default_full_slug":1384,"translated_slugs":3322,"_stopResolving":41},{"_uid":1371,"icon":3319,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3323,3324,3325],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[3328],{"_uid":1392,"type":90,"asset":3329,"caption":90,"overlay":3331,"component":265},{"id":1394,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1395,"copyright":90,"fieldtype":95,"meta_data":3330,"is_external_url":28},{},[],[3333],{"_uid":1402,"type":90,"asset":3334,"caption":90,"overlay":3336,"component":265},{"id":1404,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1405,"copyright":90,"fieldtype":95,"meta_data":3335,"is_external_url":28},{},[],[3338],{"cta":3339,"_uid":1418,"image":3344,"title":3346,"subtitle":90,"component":1434},[3340],{"tag":90,"_uid":1413,"hide":28,"icon":3341,"link":3343,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":3342},{},{"id":90,"url":1417,"linktype":98,"fieldtype":99,"cached_url":1417},{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":3345},{},{"type":107,"content":3347},[3348],{"type":110,"attrs":3349,"content":3350},{"textAlign":25},[3351,3354,3355,3356],{"text":1427,"type":116,"marks":3352},[3353],{"type":303},{"type":225},{"type":225},{"text":1433,"type":116},[],[],[],[3361,3362,3363],{"path":1444,"name":25,"lang":37,"published":25},{"path":1444,"name":25,"lang":39,"published":25},{"path":1444,"name":1436,"lang":32,"published":41},{"name":3365,"created_at":3366,"published_at":3367,"updated_at":3368,"id":3369,"uuid":3370,"content":3371,"slug":3497,"full_slug":3498,"sort_by_date":25,"position":3499,"tag_list":3500,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3501,"first_published_at":3502,"release_id":25,"lang":32,"path":25,"alternates":3503,"default_full_slug":3504,"translated_slugs":3505},"Tarjeta virtual de empresa: qué es y cómo controla tu gasto online","2023-06-05T18:24:36.267Z","2026-09-21T15:24:56.920Z","2026-09-21T15:24:56.939Z",318939187,"647a22a2-0353-4dde-bbb0-e6ae9d19a142",{"_uid":3372,"title":3365,"topics":3373,"noIndex":28,"category":3382,"language":3391,"component":1377,"heroMedia":3392,"metaTitle":3400,"publishedAt":3401,"readingTime":3402,"redirectUrl":90,"listingImage":3403,"metaDescription":3409,"bottomArticleCta":3410,"componentsAfterTheArticle":3411},"07c362ff-b8ef-422d-8681-66ea4e46b571",[3374],{"name":132,"created_at":133,"published_at":16,"updated_at":134,"id":135,"uuid":136,"content":3375,"slug":140,"full_slug":141,"sort_by_date":25,"position":142,"tag_list":3376,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":145,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3377,"default_full_slug":148,"translated_slugs":3378,"_stopResolving":41},{"_uid":138,"name":139,"component":22},[],[],[3379,3380,3381],{"path":148,"name":25,"lang":37,"published":25},{"path":148,"name":25,"lang":39,"published":25},{"path":148,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3383,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3385,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3386,"default_full_slug":1384,"translated_slugs":3387,"_stopResolving":41},{"_uid":1371,"icon":3384,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3388,3389,3390],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[3393],{"_uid":3394,"type":90,"asset":3395,"shadow":28,"caption":90,"overlay":3399,"component":265},"6f48aaf5-0466-4f43-886c-76e0022e57c5",{"id":3396,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3397,"copyright":90,"fieldtype":95,"meta_data":3398,"is_external_url":28},9774881,"https://a.storyblok.com/f/146026/1190x670/797c5608cc/tarjetas-virtuales.png",{},[],"Tarjeta virtual de empresa: qué es y cómo controla tu gasto","2023-06-12 00:00","10",[3404],{"_uid":3405,"type":90,"asset":3406,"shadow":28,"caption":90,"overlay":3408,"component":265},"7ab6dbcd-ad93-4d15-9116-f79d88dfa386",{"id":3396,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":3397,"copyright":90,"fieldtype":95,"meta_data":3407,"is_external_url":28},{},[],"Qué es una tarjeta virtual, cómo funciona y cómo ayuda a tu equipo de finanzas a controlar el gasto online, prevenir el fraude y gestionar suscripciones.",[],[3412],{"_uid":3413,"items":3414,"heading":3475,"component":3079},"92bc1f55-5b56-4c40-877e-07ef1a72a6e1",[3415,3425,3435,3445,3455,3465],{"_uid":3416,"title":3417,"component":2949,"description":3418},"67c491f9-fcc7-4649-a565-b42c09c4ae18","¿Qué es una tarjeta virtual?",{"type":107,"content":3419},[3420],{"type":110,"attrs":3421,"content":3422},{"textAlign":25},[3423],{"text":3424,"type":116},"Una tarjeta virtual es una tarjeta de pago que se crea por internet para un uso único o recurrente, normalmente con un saldo que fija el titular. Existe solo en línea, con su número, fecha de vencimiento y CVV. Las tarjetas de un solo uso utilizan datos específicos para una única compra, mientras que las recurrentes mantienen los datos para pagos autorizados al mismo proveedor.",{"_uid":3426,"title":3427,"component":2949,"description":3428},"1af0f177-9e0a-4b61-bcb4-ca76a15d0321","¿Cómo ayudan las tarjetas virtuales a controlar el gasto y prevenir el fraude?",{"type":107,"content":3429},[3430],{"type":110,"attrs":3431,"content":3432},{"textAlign":25},[3433],{"text":3434,"type":116},"Permiten fijar un saldo o presupuesto por tarjeta y ver cada transacción en tiempo real en el panel de gastos. Las tarjetas de un solo uso limitan la exposición de los datos y el presupuesto preestablecido limita el importe que se puede gastar, lo que ayuda a reducir el fraude interno y externo.",{"_uid":3436,"title":3437,"component":2949,"description":3438},"6e23fe56-361a-4dc6-9c60-ae7a3967d60e","¿Se pueden integrar las tarjetas virtuales con un ERP o software de contabilidad?",{"type":107,"content":3439},[3440],{"type":110,"attrs":3441,"content":3442},{"textAlign":25},[3443],{"text":3444,"type":116},"Las plataformas de tarjetas virtuales pueden registrar cada pago de forma automática y, según la plataforma y la integración disponible, exportar la información para la contabilidad. Esto puede reducir los cálculos manuales y facilitar la conciliación del cierre.",{"_uid":3446,"title":3447,"component":2949,"description":3448},"b934c83f-6e0c-4291-aca8-3389a2116680","¿Cuánto tarda en activarse una tarjeta virtual y cómo se emite?",{"type":107,"content":3449},[3450],{"type":110,"attrs":3451,"content":3452},{"textAlign":25},[3453],{"text":3454,"type":116},"Los empleados autorizados pueden solicitar una tarjeta virtual en pocos segundos, según la política de aprobación de la empresa. Una vez aprobada, se puede utilizar para compras online.",{"_uid":3456,"title":3457,"component":2949,"description":3458},"803bcd1f-b045-493f-b0ad-946349f4fbf9","¿Qué diferencias hay entre tarjetas virtuales y tarjetas físicas?",{"type":107,"content":3459},[3460],{"type":110,"attrs":3461,"content":3462},{"textAlign":25},[3463],{"text":3464,"type":116},"Las tarjetas físicas tienen datos fijos y sirven para pagos presenciales. Las virtuales existen solo en línea, pueden ser de un solo uso o recurrentes y, según el tipo, pueden utilizar datos específicos para una única compra o mantener los mismos datos para pagos recurrentes autorizados.",{"_uid":3466,"title":3467,"component":2949,"description":3468},"548a559a-c41a-4685-bfbb-98de3a7258c0","¿Cómo se cancela o desactiva una tarjeta virtual que ya no se usa?",{"type":107,"content":3469},[3470],{"type":110,"attrs":3471,"content":3472},{"textAlign":25},[3473],{"text":3474,"type":116},"Las tarjetas de un solo uso están diseñadas para utilizarse una sola vez y dejan de estar disponibles después de la compra. Las recurrentes se pueden pausar o eliminar en cualquier momento desde el panel, sin afectar al resto de suscripciones activas.",[3476],{"cta":3477,"_uid":3478,"title":3479,"eyebrow":3485,"subtitle":3490,"component":283,"textAlign":90,"flexibleSection":3495,"sectionSettings":3496,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"942fb718-4a38-4460-987c-b60cd61329b3",{"type":107,"content":3480},[3481],{"type":283,"attrs":3482,"content":3483},{"level":687,"textAlign":25},[3484],{"text":1301,"type":116},{"type":107,"content":3486},[3487],{"type":110,"attrs":3488,"content":3489},{"textAlign":25},[],{"type":107,"content":3491},[3492],{"type":110,"attrs":3493,"content":3494},{"textAlign":25},[],[],[],"tarjetas-virtuales","es/blog/tarjetas-virtuales",510,[],"5bf03bf9-3203-4e14-be83-b4147a631c43","2023-06-12T15:39:27.572Z",[],"blog/tarjetas-virtuales",[3506,3507,3508],{"path":3504,"name":25,"lang":37,"published":25},{"path":3504,"name":25,"lang":39,"published":25},{"path":3504,"name":25,"lang":32,"published":25},[3510,3511,3512],["Reactive",3364],["Reactive",3214],["Reactive",3084],1790417352924]