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It is recommended that you print a copy of these Terms and Conditions for your future reference. These Terms and Conditions were last updated on September 3rd 2021.",{"type":78},{"type":78},{"text":85,"type":68},"Your agreement to comply with these Terms and Conditions is indicated by your use of our site. If you do not agree to these Terms and Conditions, you must stop using our site immediately.",{"type":78},{"type":78},{"text":89,"type":68},"The following documents also apply to your use of our site",{"type":91,"content":92},"bullet_list",[93,114],{"type":94,"content":95},"list_item",[96],{"type":53,"attrs":97,"content":98},{"textAlign":64},[99,101,112],{"text":100,"type":68},"Our ",{"text":102,"type":68,"marks":103},"Privacy notice ",[104],{"type":105,"attrs":106},"link",{"href":107,"uuid":108,"anchor":64,"custom":109,"target":110,"linktype":111},"/es/legal/aviso-de-privacidad","75fae8d7-0c95-4ecb-a3fc-0a3bd3585a85",{},"_self","story",{"text":113,"type":68},"This is also referred to below in Part 14.",{"type":94,"content":115},[116],{"type":53,"attrs":117,"content":118},{"textAlign":64},[119,120,128],{"text":100,"type":68},{"text":121,"type":68,"marks":122},"Cookie policy",[123],{"type":105,"attrs":124},{"href":125,"uuid":126,"anchor":64,"custom":127,"target":110,"linktype":111},"/es/legal/politica-cookies","11750e2e-e50b-4950-b8f1-0f4fc9f78db2",{},{"text":129,"type":68},"  This is also referred to below in Part 14.",{"type":61,"attrs":131,"content":133},{"level":132,"textAlign":64},4,[134],{"text":135,"type":68,"marks":136},"1. Definitions and Interpretation",[137],{"type":71},{"type":53,"attrs":139,"content":140},{"textAlign":64},[141,143,144,145,147,151,153,154,156,157,159,163],{"text":142,"type":68},"1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:",{"type":78},{"type":78},{"text":146,"type":68},"• “",{"text":148,"type":68,"marks":149},"Content",[150],{"type":71},{"text":152,"type":68},"” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, our site; and",{"type":78},{"text":155,"type":68},"‍",{"type":78},{"text":158,"type":68},"• \"",{"text":160,"type":68,"marks":161},"We/Us/Our",[162],{"type":71},{"text":164,"type":68},"” means Banqup Group.",{"type":61,"attrs":166,"content":167},{"level":132,"textAlign":64},[168],{"text":169,"type":68,"marks":170},"2. 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All content is protected by applicable Belgian and international intellectual property laws and treaties.",{"type":78},{"type":78},{"text":277,"type":68},"7.2 You may access, view, and use our site in a web browser (including any web browsing capability built into other types of software or app) and you may download our site (or any part of it) for caching (this usually occurs automatically).",{"type":78},{"type":78},{"text":281,"type":68},"7.3 You may print one copy and download extracts of any page(s) from our site for personal use only.",{"type":78},{"type":78},{"text":285,"type":68},"7.4 You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other content downloaded from our site must not be used separately from accompanying text.",{"type":78},{"type":78},{"text":289,"type":68},"7.5 Our status as the owner and author of the content on our site (or that of identified licensors, as applicable) must always be acknowledged.",{"type":78},{"type":78},{"text":293,"type":68},"7.6 You may not use any content saved or downloaded from our site for commercial purposes without first obtaining a licence from Us (or our licensors, as applicable).",{"type":61,"attrs":295,"content":296},{"level":132,"textAlign":64},[297,301],{"text":298,"type":68,"marks":299},"8. Links to ",[300],{"type":71},{"text":213,"type":68},{"type":53,"attrs":303,"content":304},{"textAlign":64},[305,307,308,309,311,312,313,315,316,317,319,320,321],{"text":306,"type":68},"8.1 You may link to any page on our site.",{"type":78},{"type":78},{"text":310,"type":68},"8.2 Links to our site must be fair and lawful. You must not take unfair advantage of Our reputation or attempt to damage Our reputation.",{"type":78},{"type":78},{"text":314,"type":68},"8.3 You must not link to our site in a manner that suggests any association with Us (where there is none) or any endorsement or approval from Us (where there is none).",{"type":78},{"type":78},{"text":318,"type":68},"8.4 Your link should not use any logos or trademarks displayed on our site without our express written permission.",{"type":78},{"type":78},{"text":322,"type":68},"8.5 You may not link to our site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.",{"type":61,"attrs":324,"content":325},{"level":132,"textAlign":64},[326],{"text":327,"type":68,"marks":328},"9. Links to other sites",[329],{"type":71},{"type":53,"attrs":331,"content":332},{"textAlign":64},[333,335,336,337],{"text":334,"type":68},"9.1 Links to other websites may be included on our site. Unless expressly stated, these sites are not under our control. We accept no responsibility or liability for the content of third-party websites.",{"type":78},{"type":78},{"text":338,"type":68},"9.2 The inclusion of a link to another website on our site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.",{"type":61,"attrs":340,"content":341},{"level":132,"textAlign":64},[342],{"text":343,"type":68,"marks":344},"10. Disclaimers",[345],{"type":71},{"type":53,"attrs":347,"content":348},{"textAlign":64},[349,351,352,353,355,356,357],{"text":350,"type":68},"10.1 Nothing on our site constitutes professional advice on which you should rely. 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Our liability",[365],{"type":71},{"type":53,"attrs":367,"content":368},{"textAlign":64},[369,371,372,373,375,376,377],{"text":370,"type":68},"11.1 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.",{"type":78},{"type":78},{"text":374,"type":68},"11.2 If you are a business user (i.e. you are using our site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our site or the use of or reliance upon any content included on our site.",{"type":78},{"type":78},{"text":378,"type":68},"11.3 If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.",{"type":61,"attrs":380,"content":381},{"level":132,"textAlign":64},[382],{"text":383,"type":68,"marks":384},"12. Viruses, Malware, and Security",[385],{"type":71},{"type":53,"attrs":387,"content":388},{"textAlign":64},[389,391,392,393,395,396,397,399,400,401,403,404,405],{"text":390,"type":68},"12.1 We exercise reasonable skill and care to ensure that our site is secure and free from viruses and malware; however, We do not guarantee that this is the case.",{"type":78},{"type":78},{"text":394,"type":68},"12.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.",{"type":78},{"type":78},{"text":398,"type":68},"12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via our site.",{"type":78},{"type":78},{"text":402,"type":68},"12.4 You must not attempt to gain unauthorised access to any part of our site, the server on which our site is stored, or any other server, computer, or database connected to our site.",{"type":78},{"type":78},{"text":406,"type":68},"12.5 You must not attack our site by means of a denial of service attack, a distributed denial of service attack, or by any other means.",{"type":61,"attrs":408,"content":409},{"level":132,"textAlign":64},[410,414],{"text":411,"type":68,"marks":412},"13. 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How we use your personal information",[466],{"type":71},{"type":53,"attrs":468,"content":469},{"textAlign":64},[470,472,478,480],{"text":471,"type":68},"We will only use your personal information as set out in our ",{"text":473,"type":68,"marks":474},"Privacy notice",[475],{"type":105,"attrs":476},{"href":107,"uuid":108,"anchor":64,"custom":477,"target":110,"linktype":111},{},{"text":479,"type":68}," and our ",{"text":121,"type":68,"marks":481},[482],{"type":105,"attrs":483},{"href":125,"uuid":126,"anchor":64,"custom":484,"target":110,"linktype":111},{},{"type":61,"attrs":486,"content":487},{"level":132,"textAlign":64},[488],{"text":489,"type":68,"marks":490},"15. Law and jurisdiction",[491],{"type":71},{"type":53,"attrs":493,"content":494},{"textAlign":64},[495,497,498,499,501,502,503],{"text":496,"type":68},"15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, Belgian law.",{"type":78},{"type":78},{"text":500,"type":68},"15.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. 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The new collaboration integrates Banqup’s robust cloud-native and API-based infrastructure with Post Business Solutions’ new product ‘E-Rechnung Austria’ to provide a seamless ‘\"one-stop-shop\" ’ experience for businesses across Austria, including Austrian SMEs, tax consultants, and large enterprises. ",[1419],{"type":1404,"attrs":1420},{"color":1406},{"type":53,"attrs":1422,"content":1423},{"textAlign":64},[1424,1429,1440],{"text":1425,"type":68,"marks":1426},"Learn more about Post Business Solutions’ upcoming product E-Invoice Service on ",[1427],{"type":1404,"attrs":1428},{"color":1406},{"text":1430,"type":68,"marks":1431},"e-rechnung.at",[1432,1435,1438],{"type":105,"attrs":1433},{"href":1434,"uuid":64,"anchor":64,"custom":64,"target":64,"linktype":19},"http://e-rechnung.at",{"type":1404,"attrs":1436},{"color":1437},"#1155CC",{"type":1439},"underline",{"text":776,"type":68,"marks":1441},[1442],{"type":1404,"attrs":1443},{"color":1406},{"type":53,"attrs":1445},{"textAlign":64},{"type":1447},"horizontal_rule",{"type":53,"attrs":1449},{"textAlign":64},{"type":61,"attrs":1451,"content":1452},{"level":63,"textAlign":64},[1453],{"text":1454,"type":68,"marks":1455},"Key objectives of the collaboration",[1456,1458],{"type":1404,"attrs":1457},{"color":1406},{"type":71},{"type":91,"content":1460},[1461,1471,1481,1491],{"type":94,"content":1462},[1463],{"type":53,"attrs":1464,"content":1465},{"textAlign":64},[1466],{"text":1467,"type":68,"marks":1468},"Localized compliance for Austria: Ensuring all financial workflows fully comply with Austrian tax regulations and e-invoicing requirements.",[1469],{"type":1404,"attrs":1470},{"color":1406},{"type":94,"content":1472},[1473],{"type":53,"attrs":1474,"content":1475},{"textAlign":64},[1476],{"text":1477,"type":68,"marks":1478},"Accelerated payment cycles: Enabling faster payment cycles by seamlessly connecting invoicing and payment processes to improve cash flow and liquidity management.",[1479],{"type":1404,"attrs":1480},{"color":1406},{"type":94,"content":1482},[1483],{"type":53,"attrs":1484,"content":1485},{"textAlign":64},[1486],{"text":1487,"type":68,"marks":1488},"End-to-end process transparency: Providing greater visibility and control across invoicing and payment processes.",[1489],{"type":1404,"attrs":1490},{"color":1406},{"type":94,"content":1492},[1493],{"type":53,"attrs":1494,"content":1495},{"textAlign":64},[1496],{"text":1497,"type":68,"marks":1498},"Operational efficiency: Increasing productivity through scalable document and data workflows and reducing administrative effort through intelligent automation.",[1499],{"type":1404,"attrs":1500},{"color":1406},{"type":53,"attrs":1502,"content":1503},{"textAlign":64},[1504,1509,1515,1520,1526],{"text":1505,"type":68,"marks":1506},"“As a trusted partner for Austrian businesses, it is our responsibility to make regulatory change practical and manageable,",[1507],{"type":1404,"attrs":1508},{"color":1406},{"text":1510,"type":68,"marks":1511}," ",[1512],{"type":1404,"attrs":1513},{"color":1514},"#000000",{"text":1516,"type":68,"marks":1517},"and a clear opportunity for further digitalisation” said ",[1518],{"type":1404,"attrs":1519},{"color":1406},{"text":1521,"type":68,"marks":1522},"George Wallner, Managing Director of Post Business Solutions",[1523,1525],{"type":1404,"attrs":1524},{"color":1406},{"type":71},{"text":1527,"type":68,"marks":1528},". “Together with Banqup, we are delivering a solution that is tailored to the Austrian market while meeting European requirements for digital invoicing and payment automation.”",[1529],{"type":1404,"attrs":1530},{"color":1406},{"type":53,"attrs":1532,"content":1533},{"textAlign":64},[1534,1539,1545,1550,1556,1561,1563],{"text":1535,"type":68,"marks":1536},"“The future of business operations in Austria is seamless, compliant, and integrated,” said ",[1537],{"type":1404,"attrs":1538},{"color":1406},{"text":1540,"type":68,"marks":1541},"Alban Olier, Head of Partners & Alliances ",[1542,1544],{"type":1404,"attrs":1543},{"color":1406},{"type":71},{"text":1546,"type":68,"marks":1547},"at",[1548],{"type":1404,"attrs":1549},{"color":1406},{"text":1551,"type":68,"marks":1552}," Banqup Group",[1553,1555],{"type":1404,"attrs":1554},{"color":1406},{"type":71},{"text":1557,"type":68,"marks":1558},". “By combining our technological expertise with Post Business Solutions’ ",[1559],{"type":1404,"attrs":1560},{"color":1406},{"text":1562,"type":68},"proven know-how",{"text":1564,"type":68,"marks":1565}," in digital transformation, we are building a growth engine that allows Austrian entrepreneurs to manage their entire financial supply chain, from the first invoice to the final payment, in one secure place.”",[1566],{"type":1404,"attrs":1567},{"color":1406},{"type":53,"attrs":1569,"content":1570},{"textAlign":64},[1571],{"text":1572,"type":68,"marks":1573},"The collaboration focuses primarily on scaling digital adoption and payment automation within the Austrian business community. Both teams are committed to fostering a ‘one-team’ culture to ensure the long-term success and scalability of this initiative.",[1574],{"type":1404,"attrs":1575},{"color":1406},{"_uid":1577,"cards":1578,"buttons":1582,"heading":1583,"tagline":8,"component":1584,"background":48,"description":1585},"5325d29c-9bd2-4aa6-be19-7672be8ea085",[1579,1580,1581],"f1846914-8e11-451a-939f-473a7b08ef26","e29cc19e-c220-4e3f-ae5d-d8c0827c2987","c195cbab-caf0-416d-a7aa-17a57d428467",[],"Similar articles","cardSlider",{"type":50,"content":1586},[1587],{"type":53},{"id":1589,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1590,"copyright":8,"fieldtype":15,"meta_data":1591,"is_external_url":17},185557634607473,"https://a.storyblok.com/f/318078/1000x666/b025a8c20c/austrian-post-x-banqup-website-blog-image.png",{},[],[1594,1595],"53f53d8b-b52d-4766-863b-290d59034214","43132a85-c931-4893-9655-7832b64683fe",[1597,1598],"banqup","announcements","newsPage",[],"banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses","es/resources/news/banqup-post-business-solutions-alianza-austria",-300,[1605],"Partnership",627731613,"08385055-4809-45dd-8368-ab7e56237e9c","2026-06-09T08:31:00.973Z",[],"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses",[1612,1615,1618,1621],{"path":1613,"name":1614,"lang":521,"published":55},"resources/nieuws/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-versterkt-zijn-internationale-mogelijkheden-op-het-gebied-van-e-facturering-en-ctc-door-een-strategisch-partnerschap-met-banqup","Tessi versterkt zijn internationale mogelijkheden op het gebied van e-facturering en CTC door een strategisch partnerschap met Banqup",{"path":1616,"name":1617,"lang":523,"published":55},"resources/actualites/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup","Tessi renforce sa couverture internationale en matière de facturation électronique et de CTC grâce à un partenariat stratégique avec Banqup",{"path":1619,"name":1620,"lang":527,"published":55},"informationen/news/banqup-und-post-business-solutions-revolutionieren-oesterreichs-finanz-workflows","Banqup und Post Business Solutions revolutionieren Österreichs Finanz-Workflows",{"path":1622,"name":1623,"lang":514,"published":55},"resources/news/banqup-post-business-solutions-alianza-austria","Banqup y Post Business Solutions se asocian para revolucionar los flujos de trabajo financieros digitales de las empresas austriacas",[],"featuredLink",{"url":1627,"_uid":1636,"title":1637,"megaMenu":1638,"component":1181},{"id":1628,"url":8,"linktype":111,"fieldtype":20,"cached_url":1629,"prep":55,"story":1630},"e5b88a74-94ef-4f08-9157-cd766a0be76c","es/resources",{"name":1631,"id":1632,"uuid":1628,"slug":1633,"url":1634,"translated_name":1635,"full_slug":1629,"_stopResolving":55},"Resources library",627839377,"resources","resources/","Centro de Recursos de Banqup","eddccbef-b49c-4dd9-a60c-15de8bb7d7f1","Recursos",[1639],{"_uid":1640,"buttons":1641,"component":1103,"categoryLinks":1642,"featuredSections":1734},"3c00a8db-5d33-4bab-934d-c544aa74ead6",[],[1643],{"_uid":1644,"links":1645,"title":1733,"component":1153},"856ae7bd-bd6f-4931-8ecb-e73dca95ef36",[1646,1661,1675,1690,1704,1719],{"url":1647,"_uid":1656,"image":1657,"title":1659,"component":105,"description":1660},{"id":1648,"url":8,"linktype":111,"fieldtype":20,"cached_url":1649,"prep":55,"story":1650},"79555907-0458-4269-aa01-b9a08eb55315","es/solutions/compliance-management",{"name":1651,"id":1652,"uuid":1648,"slug":1653,"url":1654,"translated_name":1655,"full_slug":1649,"_stopResolving":55},"Compliance",627609401,"compliance-management","solutions/compliance-management/","Gestión del cumplimiento normativo digital | Banqup","f9ca4e9e-ace4-4f08-ae85-a36c842229ec",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1658},{},"Gestión del cumplimiento normativo","Cumplimiento normativo sin concesiones. Elimine el riesgo de incumplimiento. Automatice todas las facturas.\n\n",{"url":1662,"_uid":1670,"image":1671,"title":1673,"component":105,"description":1674},{"id":1663,"url":8,"linktype":111,"fieldtype":20,"cached_url":1664,"prep":55,"story":1665},"93009d22-0733-4b93-a83d-9cb6787d6429","es/resources/blog",{"name":1666,"id":1667,"uuid":1663,"slug":1666,"url":1668,"translated_name":1669,"full_slug":1664,"_stopResolving":55},"blog",627840826,"resources/blog/","Blog de Banqup: facturación electrónica, pagos e información empresarial","224ab465-7ae8-4444-9fcc-449140153de0",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1672},{},"Blog","Manténgase informado con las últimas novedades, actualizaciones y consejos de Banqup para optimizar las finanzas de su empresa.",{"url":1676,"_uid":1685,"image":1686,"title":1688,"component":105,"description":1689},{"id":1677,"url":8,"linktype":111,"fieldtype":20,"cached_url":1678,"prep":55,"story":1679},"b6e1a58c-251d-4228-a52b-b1be2bdc9bed","es/resources/news",{"name":1680,"id":1681,"uuid":1677,"slug":1682,"url":1683,"translated_name":1684,"full_slug":1678,"_stopResolving":55},"News",627841874,"news","resources/news/","Banqup News: novedades de la empresa y notas de prensa","15534395-decd-4fa0-ba51-0c02bf3c53c4",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1687},{},"Noticias","Reciba las últimas noticias y anuncios de Banqup",{"url":1691,"_uid":1700,"image":1701,"title":1695,"component":105,"description":1703},{"id":1692,"url":8,"linktype":111,"fieldtype":20,"cached_url":1693,"prep":55,"story":1694},"653824fb-4b4f-42d9-ab22-38454348dc3c","es/resources/webinars",{"name":1695,"id":1696,"uuid":1692,"slug":1697,"url":1698,"translated_name":1699,"full_slug":1693,"_stopResolving":55},"Webinars",85199283064511,"webinars","resources/webinars/","Webinars | Banqup","d7d28922-2e33-412e-81e2-1a4897235657",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1702},{},"Webinars repletos de información diseñados para ayudar a las empresas a gestionar sus procesos de facturación y administración de forma más eficiente con la solución Banqup.",{"url":1705,"_uid":1714,"image":1715,"title":1717,"component":105,"description":1718},{"id":1706,"url":8,"linktype":111,"fieldtype":20,"cached_url":1707,"prep":55,"story":1708},"349bc637-6fdb-4491-9761-777a7f2e23b7","es/resources/guides",{"name":1709,"id":1710,"uuid":1706,"slug":1711,"url":1712,"translated_name":1713,"full_slug":1707,"_stopResolving":55},"Guides",627854993,"guides","resources/guides/","Guías de Banqup","f1dc6619-a40b-49a2-8918-1c54fbeb7a55",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1716},{},"Guías","Optimice su administración y cumpla la normativa sin esfuerzo con nuestras guías de Banqup.",{"url":1720,"_uid":1728,"image":1729,"title":1731,"component":105,"description":1732},{"id":1721,"url":8,"linktype":111,"fieldtype":20,"cached_url":1722,"prep":55,"story":1723},"ec320d12-6a82-4327-86fb-10a5c3e96474","es/resources/testimonials",{"name":1724,"id":1725,"uuid":1721,"slug":1726,"url":1727,"full_slug":1722,"_stopResolving":55},"Testimonials",627850922,"testimonials","resources/testimonials/","9a3ad7ec-0256-47ea-bb04-2f1743858f3a",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1730},{},"Testimonios","Descubra lo que dicen nuestros clientes sobre su colaboración con nosotros y cómo los hemos ayudado a alcanzar sus objetivos.","Recursos relacionados",[1735],{"_uid":1736,"link":1737,"button":2329,"component":1625},"6da6ac4b-75ea-4952-8683-2ee603129382",[1738,2125],{"name":1739,"created_at":1740,"published_at":1741,"updated_at":1742,"id":1743,"uuid":1744,"content":1745,"slug":2097,"full_slug":2098,"sort_by_date":2099,"position":2100,"tag_list":2101,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":2103,"first_published_at":2104,"release_id":64,"lang":514,"path":64,"alternates":2105,"default_full_slug":2111,"translated_slugs":2112,"_stopResolving":55},"Still struggling with Peppol? 5 Tips to turn e-invoicing into a time-saver","2026-07-09T14:16:29.435Z","2026-07-13T14:24:41.487Z","2026-08-24T09:16:39.263Z",196267988780663,"b4b9fdcb-4a81-4e08-b7ed-86dbafbdddbd",{"seo":1746,"_uid":1750,"body":1751,"image":2012,"theme":8,"title":1739,"related":2016,"summary":2017,"category":2089,"component":2092,"createdOn":2093,"description":2094,"relatedCountries":2095,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":1747,"title":1748,"plugin":34,"description":1749},"5c03325b-e7eb-45a4-8e97-15ef2e97efda","5 Tips to turn e-invoicing into a time-saver","Tired of manually re-entering invoicing data over and over? Discover why Peppol e-invoicing is slowing Belgian SMEs down and how Banqup wins your time back.","16c8f428-1f4d-4de1-906e-92744ad46fec",[1752,1897,1924,2002],{"_uid":1753,"text":1754,"component":505,"background":48},"44fb936c-0f39-466f-9849-631eab313300",{"type":50,"content":1755},[1756,1763,1768,1773,1778,1786,1794,1813,1815,1820,1825,1830,1835,1840,1845,1850,1855,1860,1865,1870,1875,1877,1882,1887,1892],{"type":53,"attrs":1757,"content":1758},{"textAlign":64},[1759],{"text":1760,"type":68,"marks":1761},"Mandatory electronic B2B invoicing via the Peppol network has been officially in effect in Belgium since January 1st, 2026. The initial grace and tolerance periods are firmly behind us, and non-compliance fines are actively being issued. Yet, the general sentiment among Belgian business owners remains incredibly mixed.",[1762],{"type":71},{"type":53,"attrs":1764,"content":1765},{"textAlign":64},[1766],{"text":1767,"type":68},"Recent market research among Belgian SMEs highlights a frustrating reality: the promised land of administrative simplification has turned into a logistical headache for many. Barely half of surveyed businesses report experiencing actual time savings, while a significant portion feel the mandate has added administrative overhead rather than reducing it. For many entrepreneurs, managing financial administration simply felt easier before the mandate took effect.",{"type":53,"attrs":1769,"content":1770},{"textAlign":64},[1771],{"text":1772,"type":68},"How did an initiative designed to streamline business workflows cause so much friction? More importantly, how can you pivot your business to make sure you are on the winning side of the efficiency curve?",{"type":61,"attrs":1774,"content":1775},{"level":693,"textAlign":64},[1776],{"text":1777,"type":68},"The last-minute registration trap",{"type":53,"attrs":1779,"content":1780},{"textAlign":64},[1781],{"text":1782,"type":68,"marks":1783},"The root cause of this widespread frustration is easily found in the timeline of adoption. A clear majority of Belgian businesses waited until the final months, or even after the deadline, to register on the Peppol network.",[1784],{"type":1404,"attrs":1785},{"color":1514},{"type":53,"attrs":1787,"content":1788},{"textAlign":64},[1789],{"text":1790,"type":68,"marks":1791},"This final-hour rush triggered a massive surge in businesses grabbing the closest, free, or standalone tool available just to stay legally compliant. Unfortunately, these basic systems were rarely chosen with operational integration in mind.",[1792],{"type":1404,"attrs":1793},{"color":1514},{"type":53,"attrs":1795,"content":1796},{"textAlign":64},[1797,1802,1808],{"text":1798,"type":68,"marks":1799},"As a result, thousands of independent business owners are now trapped in a ",[1800],{"type":1404,"attrs":1801},{"color":1514},{"text":1803,"type":68,"marks":1804},"frustrating double-entry loop",[1805,1807],{"type":1404,"attrs":1806},{"color":1514},{"type":71},{"text":1809,"type":68,"marks":1810},". They type an invoice once into their basic Peppol tool to legally send it to a B2B client, and then manually type it a second time into their accounting or ERP software because the two systems cannot communicate with each other. With workflows this fragmented, it is no surprise that error rates are up and the promised efficiency is nowhere to be found.",[1811],{"type":1404,"attrs":1812},{"color":1514},{"type":53,"attrs":1814},{"textAlign":64},{"type":61,"attrs":1816,"content":1817},{"level":693,"textAlign":64},[1818],{"text":1819,"type":68},"5 tips to use Peppol more efficiently",{"type":53,"attrs":1821,"content":1822},{"textAlign":64},[1823],{"text":1824,"type":68},"Peppol isn't the problem, the lack of integration is. Here are 5 concrete tips to take back control and make e-invoicing actually work for your business.",{"type":61,"attrs":1826,"content":1827},{"level":63,"textAlign":64},[1828],{"text":1829,"type":68},"Tip 1: Stop manual double entry (choose compatible software)",{"type":53,"attrs":1831,"content":1832},{"textAlign":64},[1833],{"text":1834,"type":68},"The biggest challenge of the Peppol implementation in Belgium is software fragmentation. Stop using isolated, standalone apps. Instead, choose a solution that acts as a quiet bridge between your billing tools, CRM, and ERP software. When data flows automatically across your systems, you completely eliminate the need for manual double data entry and reduce human error to zero.",{"type":61,"attrs":1836,"content":1837},{"level":63,"textAlign":64},[1838],{"text":1839,"type":68},"Tip 2: Automate your accountant collaboration",{"type":53,"attrs":1841,"content":1842},{"textAlign":64},[1843],{"text":1844,"type":68},"Instead of wasting days gathering invoices and receipts at the close of every quarter, you can automate this entire workflow. A connected e-invoicing platform grants your accountant secure, real-time access to a digital archive. This keeps your books constantly updated, freeing up your financial advisor’s time to offer proactive business guidance rather than chasing paperwork.",{"type":61,"attrs":1846,"content":1847},{"level":63,"textAlign":64},[1848],{"text":1849,"type":68},"Tip 3: Use a smart Peppol gateway for validation and error tracking",{"type":53,"attrs":1851,"content":1852},{"textAlign":64},[1853],{"text":1854,"type":68},"Many SMEs struggle with cryptic technical error messages or \"invisible\" invoices that seem to vanish into the network. An advanced gateway automatically validates your documents against official UBL/XML formatting standards before they are sent. Furthermore, thanks to Invoice Message Responses (IMRs), you get a digital 'read receipt' so you know exactly when your transaction has been successfully received.",{"type":61,"attrs":1856,"content":1857},{"level":63,"textAlign":64},[1858],{"text":1859,"type":68},"Tip 4: Shield your back end from invoicing fraud",{"type":53,"attrs":1861,"content":1862},{"textAlign":64},[1863],{"text":1864,"type":68},"Digital invoice fraud is on the rise. An integrated platform runs automatic compliance checks in the background by verifying the VAT and CBE (KBO) numbers of your trading partners. This shields your business from ghost invoices and ensures your administration complies with strict regulations without you having to lift a finger.",{"type":61,"attrs":1866,"content":1867},{"level":63,"textAlign":64},[1868],{"text":1869,"type":68},"Tip 5: Link your bank account for direct reconciliation",{"type":53,"attrs":1871,"content":1872},{"textAlign":64},[1873],{"text":1874,"type":68},"True administrative peace of mind happens when your invoicing hub connects directly to your financial accounts. This allows incoming and outgoing transactions to match up against open bills automatically. It gives you a crystal-clear, real-time overview of your working capital while running your payment reminder loops on autopilot.",{"type":53,"attrs":1876},{"textAlign":64},{"type":61,"attrs":1878,"content":1879},{"level":693,"textAlign":64},[1880],{"text":1881,"type":68},"Conclusion: Choosing efficiency over simple compliance",{"type":53,"attrs":1883,"content":1884},{"textAlign":64},[1885],{"text":1886,"type":68},"The market has evolved, and structured e-invoicing via Peppol is here to stay. However, the software infrastructure you build around it dictates whether it acts as an operational bottleneck or an efficiency driver for your company. Businesses clinging to basic, disconnected tools will continue to burn valuable hours on manual corrections.",{"type":53,"attrs":1888,"content":1889},{"textAlign":64},[1890],{"text":1891,"type":68},"Navigating this landscape with an integrated ecosystem allows you to unlock the real rewards of the mandate: less paperwork, faster payments, solid fraud security, and a seamless workflow. It requires an intentional choice in your digital tooling, but it pays back immediate dividends in the exact currency e-invoicing promised from day one: time.",{"type":53,"attrs":1893,"content":1894},{"textAlign":64},[1895],{"text":1896,"type":68},"At Banqup, we believe that your time is best spent on what you do best: running and growing your business. Financial administration should support you, not slow you down. That is exactly why we designed our platform with these essential integrations in mind. By acting as the seamless bridge between your daily workflows, your accountant, and the Peppol network, Banqup takes care of the backend complexity so you can look forward to an administration that practically runs itself.",{"_uid":1898,"align":1382,"image":1899,"theme":547,"buttons":1901,"columns":560,"heading":1913,"padding":1386,"tagline":8,"component":1387,"variation":1914,"background":1915,"headingTag":1916,"description":1917,"invertTextColor":17},"7998de9e-a1e2-49c9-a904-550cd2adb13f",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":1900},{},[1902,1907],{"_uid":1903,"link":1904,"size":8,"title":1906,"variant":8,"component":576,"arrowRight":17},"b06c89d4-e3eb-4db4-819f-67bfedb7e79e",{"id":1110,"url":8,"target":574,"linktype":111,"fieldtype":20,"cached_url":1111,"prep":55,"story":1905},{"name":1113,"id":1114,"uuid":1110,"slug":1115,"url":1116,"translated_name":1113,"full_slug":1111,"_stopResolving":55},"Explore our features",{"_uid":1908,"link":1909,"size":8,"title":1912,"variant":8,"component":576},"5a19219e-3cf1-46d3-8097-06fa064b83ed",{"id":1910,"url":8,"target":574,"linktype":111,"fieldtype":20,"cached_url":1911,"prep":55},"5ec4f8a8-cb0a-46e7-b73a-519e75510a2d","/es/home","Start with Banqup","From burden to advantage","inside-grid","primary-50","h2",{"type":50,"content":1918},[1919],{"type":53,"attrs":1920,"content":1921},{"textAlign":64},[1922],{"text":1923,"type":68},"Ready to transform your business administration? Turn this legal obligation into a streamlined operational advantage today.",{"_uid":1925,"theme":8,"buttons":1926,"heading":1927,"tagline":8,"component":1928,"questions":1929,"background":48,"spacingTop":8,"description":1995,"spacingBottom":8,"hideBackgroundShapes":17},"b8fad7dd-5a42-48f6-b5b8-5ec9598840c9",[],"FAQs","faq",[1930,1941,1964],{"_uid":1931,"title":1932,"answer":1933,"component":1940},"3f50e753-063a-48bc-bccc-d36ee86830bd","What are the most common difficulties and biggest challenges with Peppol implementation in Belgium? ",{"type":50,"content":1934},[1935],{"type":53,"attrs":1936,"content":1937},{"textAlign":64},[1938],{"text":1939,"type":68},"The main friction points are disconnected software systems (tools that don't talk to each other) and the risk of overlooked bills, as e-invoices land directly inside software rather than an email inbox. Manually fixing faulty UBL/XML files also adds significant administrative overhead for businesses without automated validation.","question",{"_uid":1942,"title":1943,"answer":1944,"component":1940},"4b1b498f-7e7d-4a80-a3df-c7bb4aaad75b","Which software solutions help solve Peppol issues, and what is compatible with my accounting? ",{"type":50,"content":1945},[1946],{"type":53,"attrs":1947,"content":1948},{"textAlign":64},[1949,1954,1959],{"text":1950,"type":68,"marks":1951},"Integrated platforms like ",[1952],{"type":1404,"attrs":1953},{"color":1514},{"text":6,"type":68,"marks":1955},[1956,1958],{"type":1404,"attrs":1957},{"color":1514},{"type":71},{"text":1960,"type":68,"marks":1961}," directly resolve these issues. Banqup is an approved Peppol Access Point that works with almost any software. This means it connects smoothly with nearly all popular accounting and business systems used in Belgium.",[1962],{"type":1404,"attrs":1963},{"color":1514},{"_uid":1965,"title":1966,"answer":1967,"component":1940},"befd64b1-4592-481c-bb97-d1676421cd77","How do I understand Peppol error messages, and what are the best validation services?",{"type":50,"content":1968},[1969,1977,1985,1993],{"type":53,"attrs":1970,"content":1971},{"textAlign":64},[1972],{"text":1973,"type":68,"marks":1974},"Most common Peppol error messages happen because of incorrect file structures, calculation mismatches, or missing mandatory data like an invalid VAT number.",[1975],{"type":1404,"attrs":1976},{"color":1514},{"type":53,"attrs":1978,"content":1979},{"textAlign":64},[1980],{"text":1981,"type":68,"marks":1982},"The best way to handle this is by using a service with built-in validation software, such as Banqup. Banqup automatically checks your invoices beforehand, catches these issues early, and translates technical errors into clear, actionable steps so you can fix them instantly.",[1983],{"type":1404,"attrs":1984},{"color":1514},{"type":53,"attrs":1986,"content":1987},{"textAlign":64},[1988],{"text":1989,"type":68,"marks":1990},"If you ever run into a complex technical error that still doesn't make sense, just take a screenshot or copy the text and paste it into our support chatbot. The bot will instantly translate the technical jargon into plain, understandable language.",[1991],{"type":1404,"attrs":1992},{"color":1514},{"type":53,"attrs":1994},{"textAlign":64},{"type":50,"content":1996},[1997],{"type":53,"attrs":1998,"content":1999},{"textAlign":64},[2000],{"text":2001,"type":68},"Got questions? We’ve got clear, simple answers to help you get started with Banqup.",{"_uid":2003,"cards":2004,"buttons":2008,"heading":1583,"tagline":8,"component":1584,"background":48,"description":2009},"57d54b69-8880-4ca2-806f-e8f8b2b353c8",[2005,2006,2007],"b20733ac-50aa-42d5-822b-7ce56bbc8e3f","ad0080e2-4a87-4bd8-9cee-d635641e1ba2","383ae459-7e7f-422b-9734-384ee20a5d9a",[],{"type":50,"content":2010},[2011],{"type":53},{"id":2013,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":2014,"copyright":8,"fieldtype":15,"meta_data":2015,"is_external_url":17},196275582338149,"https://a.storyblok.com/f/318078/6016x4016/f4facfc530/blog-cardbanner-save-time-with-e-invoicing.png",{},[],{"type":50,"content":2018},[2019,2029],{"type":53,"attrs":2020,"content":2021},{"textAlign":64},[2022,2024,2027],{"text":2023,"type":68},"Mandatory Peppol e-invoicing in Belgium (since 2026) causes administrative headaches due to unintegrated software forcing manual double entry. ",{"text":6,"type":68,"marks":2025},[2026],{"type":71},{"text":2028,"type":68}," solves this with 5 efficiency tips:",{"type":2030,"attrs":2031,"content":2033},"ordered_list",{"order":2032},1,[2034,2045,2056,2067,2078],{"type":94,"content":2035},[2036],{"type":53,"attrs":2037,"content":2038},{"textAlign":64},[2039,2043],{"text":2040,"type":68,"marks":2041},"Integrate software",[2042],{"type":71},{"text":2044,"type":68}," to eliminate manual double data entry.",{"type":94,"content":2046},[2047],{"type":53,"attrs":2048,"content":2049},{"textAlign":64},[2050,2054],{"text":2051,"type":68,"marks":2052},"Automate collaboration",[2053],{"type":71},{"text":2055,"type":68}," by sharing real-time digital archives with your accountant.",{"type":94,"content":2057},[2058],{"type":53,"attrs":2059,"content":2060},{"textAlign":64},[2061,2065],{"text":2062,"type":68,"marks":2063},"Use a smart gateway",[2064],{"type":71},{"text":2066,"type":68}," to validate formatting and track delivery receipts.",{"type":94,"content":2068},[2069],{"type":53,"attrs":2070,"content":2071},{"textAlign":64},[2072,2076],{"text":2073,"type":68,"marks":2074},"Prevent fraud",[2075],{"type":71},{"text":2077,"type":68}," with automated partner VAT and compliance checks.",{"type":94,"content":2079},[2080],{"type":53,"attrs":2081,"content":2082},{"textAlign":64},[2083,2087],{"text":2084,"type":68,"marks":2085},"Link bank accounts",[2086],{"type":71},{"text":2088,"type":68}," for automatic payment reconciliation.",[2090,2091,1597],"compliance","peppol","blogPage","2026-07-13 00:00","Recent market research shows that many Belgian business owners experience mandatory e-invoicing as a waste of time. Discover why rushed software setups force entrepreneurs to manually re-enter data, and how Banqup turns this legal obligation into an automated, time-saving advantage.",[2096],"Belgium","5-tips-to-turn-e-invoicing-into-a-time-saver","es/resources/blog/5-consejos-facturacion-electronica-ahorro-tiempo","2026-07-13",-4660,[],627731915,"19999dde-5c00-4545-b9a9-120b009246d3","2026-07-13T00:00:00.000Z",[2106],{"id":2107,"name":2108,"slug":2109,"published":55,"full_slug":2110,"is_folder":17,"parent_id":2102},178928846856955,"No more manual guesswork: 5 reasons to switch to automatic reconciliation","5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-tips-to-turn-e-invoicing-into-a-time-saver",[2113,2116,2119,2122],{"path":2114,"name":2115,"lang":521,"published":55},"resources/blog/5-tips-om-van-e-facturatie-een-tijdsbesparing-te-maken","Nog steeds moeite met Peppol? 5 tips om van e-facturatie een tijdsbesparing te maken",{"path":2117,"name":2118,"lang":523,"published":55},"resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps","Encore en difficulté avec Peppol ? 5 conseils pour transformer la facturation électronique en un gain de temps",{"path":2120,"name":2121,"lang":527,"published":55},"informationen/blog/5-tipps-wie-sie-die-elektronische-rechnungsstellung-in-eine-echte-zeitersparnis-verwandeln","Immer noch Probleme mit Peppol? 5 Tipps, wie Sie die elektronische Rechnungsstellung in eine echte Zeitersparnis verwandeln",{"path":2123,"name":2124,"lang":514,"published":55},"resources/blog/5-consejos-facturacion-electronica-ahorro-tiempo","¿Sigue teniendo dificultades con Peppol? 5 consejos para convertir la facturación electrónica en un ahorro de tiempo",{"name":2126,"created_at":2127,"published_at":2128,"updated_at":2129,"id":2130,"uuid":2131,"content":2132,"slug":2303,"full_slug":2304,"sort_by_date":64,"position":2305,"tag_list":2306,"is_startpage":17,"parent_id":1606,"meta_data":64,"group_id":2307,"first_published_at":2308,"release_id":64,"lang":514,"path":64,"alternates":2309,"default_full_slug":2315,"translated_slugs":2316,"_stopResolving":55},"Banqup SA is now a certified Qualified Trust Service Provider","2026-07-09T13:45:13.149Z","2026-07-14T07:14:59.776Z","2026-08-24T09:19:58.625Z",196260303535985,"ee865b64-00d2-44d1-a499-6a5df1cc7eed",{"seo":2133,"_uid":2136,"body":2137,"image":2294,"theme":8,"title":2126,"author":2298,"related":2299,"category":2300,"component":1599,"description":2301,"relatedCountries":2302,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":2134,"title":2126,"plugin":34,"description":2135},"15cc1044-af12-4062-b89c-ddb84f0ff819","Banqup SA is officially listed as a Qualified Trust Service Provider (QTSP) under eIDAS. Learn what this means for your digital signatures and seals.","c58ecc97-6b8c-4ee8-ae39-a491f987e0cc",[2138,2147],{"_uid":2139,"align":8,"image":2140,"theme":8,"buttons":2142,"columns":647,"heading":2126,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1916,"spacingTop":8,"description":2143,"spacingBottom":8,"hideBackgroundShapes":17},"2f075612-5d7f-4f1d-884d-a21c5555a4f9",{"id":64,"alt":64,"name":8,"focus":64,"title":64,"source":64,"filename":8,"copyright":64,"fieldtype":15,"meta_data":2141},{},[],{"type":50,"content":2144},[2145],{"type":53,"attrs":2146},{"textAlign":64},{"_uid":2148,"text":2149,"theme":8,"component":505,"background":48},"43ee7c87-e3a8-480f-a27f-4f19bc73ba89",{"type":50,"content":2150},[2151,2160,2168,2170,2177,2182,2187,2195,2261,2263,2268,2273,2278,2283],{"type":53,"attrs":2152,"content":2153},{"textAlign":64},[2154],{"text":2155,"type":68,"marks":2156},"Banqup SA is officially listed on the Belgian Trusted List as a Qualified Trust Service Provider (QTSP), offering four certified trust services under the eIDAS regulation.",[2157],{"type":1404,"attrs":2158},{"color":2159},"#222222",{"type":53,"attrs":2161,"content":2162},{"textAlign":64},[2163],{"text":2164,"type":68,"marks":2165},"This is a significant step for Banqup and for the businesses and organisations that rely on its platform every day. It means that digital signatures, seals, and the certificates that power them can all originate from a single, regulated, and EU-recognised source.",[2166],{"type":1404,"attrs":2167},{"color":2159},{"type":53,"attrs":2169},{"textAlign":64},{"type":61,"attrs":2171,"content":2172},{"level":693,"textAlign":64},[2173],{"text":2174,"type":68,"marks":2175},"What being a QTSP actually means",[2176],{"type":71},{"type":53,"attrs":2178,"content":2179},{"textAlign":64},[2180],{"text":2181,"type":68},"The eIDAS regulation creates a clear legal framework for electronic transactions across all EU member states. At the top of that framework sit Qualified Trust Service Providers, organisations that have undergone independent conformity assessments and been formally recognised by their national supervisory authority.",{"type":53,"attrs":2183,"content":2184},{"textAlign":64},[2185],{"text":2186,"type":68},"In Belgium, that authority is the FPS Economy. Being listed on the Belgian Trusted List isn't self-declared. It requires passing an independent audit by an accredited conformity assessment body, and then repeating that audit at least every 2 years to maintain the status.",{"type":53,"attrs":2188,"content":2189},{"textAlign":64},[2190],{"text":2191,"type":68,"marks":2192},"Banqup SA has completed that process. Four services are now certified, including:",[2193],{"type":1404,"attrs":2194},{"color":2159},{"type":91,"content":2196},[2197,2213,2229,2245],{"type":94,"content":2198},[2199],{"type":53,"attrs":2200,"content":2201},{"textAlign":64},[2202,2208],{"text":2203,"type":68,"marks":2204},"QCert for ESig ",[2205,2207],{"type":1404,"attrs":2206},{"color":2159},{"type":71},{"text":2209,"type":68,"marks":2210},"issues Qualified Certificates for Electronic Signature to individuals. These certificates back Qualified Electronic Signatures (QES), which carry the same legal weight as a handwritten signature under EU law. They're accepted in courts and legally valid across all 27 member states.",[2211],{"type":1404,"attrs":2212},{"color":2159},{"type":94,"content":2214},[2215],{"type":53,"attrs":2216,"content":2217},{"textAlign":64},[2218,2224],{"text":2219,"type":68,"marks":2220},"QCert for ESeal ",[2221,2223],{"type":1404,"attrs":2222},{"color":2159},{"type":71},{"text":2225,"type":68,"marks":2226},"does the same for organisations. Instead of binding a certificate to a person, it binds one to a legal entity. When a company seals a document with a certificate issued under this service, it proves that the document came from that organisation and hasn't been changed since.",[2227],{"type":1404,"attrs":2228},{"color":2159},{"type":94,"content":2230},[2231],{"type":53,"attrs":2232,"content":2233},{"textAlign":64},[2234,2240],{"text":2235,"type":68,"marks":2236},"QRemManage for QSigCD ",[2237,2239],{"type":1404,"attrs":2238},{"color":2159},{"type":71},{"text":2241,"type":68,"marks":2242},"manages the remote infrastructure that makes individual signing possible without a physical smart card. The signer's private key lives in a secure, cloud-hosted Hardware Security Module (HSM). When someone signs, they authenticate remotely, the signing happens inside the HSM, and the key never leaves it. Banqup manages that device: provisioning it, keeping it active, and decommissioning it when the time comes.",[2243],{"type":1404,"attrs":2244},{"color":2159},{"type":94,"content":2246},[2247],{"type":53,"attrs":2248,"content":2249},{"textAlign":64},[2250,2256],{"text":2251,"type":68,"marks":2252},"QRemManage for QSealCD",[2253,2255],{"type":1404,"attrs":2254},{"color":2159},{"type":71},{"text":2257,"type":68,"marks":2258}," is the same service, but for organisational seals. It allows companies to seal documents at scale through an API, without hardware on-site. An ERP system can trigger the sealing of thousands of invoices automatically. The sealing key stays in Banqup's managed HSM, and every operation is controlled by the organisation.",[2259],{"type":1404,"attrs":2260},{"color":2159},{"type":53,"attrs":2262},{"textAlign":64},{"type":61,"attrs":2264,"content":2265},{"level":693,"textAlign":64},[2266],{"text":2267,"type":68},"Why it matters for businesses using Banqup",{"type":53,"attrs":2269,"content":2270},{"textAlign":64},[2271],{"text":2272,"type":68},"If you use Banqup to send e-invoices, manage documents, or handle payments, trust is already built into what you do. The QTSP certification makes that trust official and legally recognised across the EU. ",{"type":53,"attrs":2274,"content":2275},{"textAlign":64},[2276],{"text":2277,"type":68},"This means the qualified infrastructure is already part of the platform you use. And it means that when regulations tighten, as they are with eIDAS 2.0 coming into full effect, Banqup is already positioned to keep you compliant.",{"type":53,"attrs":2279,"content":2280},{"textAlign":64},[2281],{"text":2282,"type":68},"For accountants handling client documents, for businesses exchanging contracts, for finance teams sealing high-volume invoice batches: the qualified layer is there, certified, and ready. More on that soon.",{"type":2284,"content":2285},"blockquote",[2286],{"type":53,"attrs":2287,"content":2288},{"textAlign":64},[2289],{"text":2290,"type":68,"marks":2291},"“By delivering remote qualified electronic signatures (QES) and seals (QESeal) under eIDAS 2, Banqup gives organisations legally recognised trust across all 27 EU member states.”  - Hans Boone, Banqup Trust Services",[2292],{"type":1404,"attrs":2293},{"color":2159},{"id":2295,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":2296,"copyright":8,"fieldtype":15,"meta_data":2297,"is_external_url":17},196260478181357,"https://a.storyblok.com/f/318078/6016x4016/956db9fa22/blog-cardbanner-qtsp.png",{},[],[],[1597,1598],"Banqup SA is officially listed on the Belgian Trusted List as a Qualified Trust Service Provider (QTSP), offering four certified trust services under the eIDAS regulation. 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It will also allow both parties to maximise the full market potential of jefacture.com. This e-invoicing platform developed by Banqup for ECMA enables French chartered accountants to help their clients in the transition towards mandatory B2B e-invoicing. Next to that, it facilitates the additional, direct market entry of the platform to tens of thousands of SMEs.",{"type":53,"attrs":3285,"content":3286},{"textAlign":64},[3287],{"text":3288,"type":68},"‍As from 1 July 2024, all French companies should be able to receive e-invoices. This implies a significant implementation of calibrated technology by all businesses in order to comply with this VAT-based regulation. Already in 2020, ECMA therefore closed a partnership with Belgian listed e-invoicing provider Banqup in order to provide French accountants with a platform to manage the e-invoicing flows of their clients. Today jefacture.com allows SMEs to dematerialise and route all purchase and sales invoices in Factur-X format and to integrate them in their management tools. In France, there are about 20.000 accountants serving 2,75 million of SMEs. More than 600 million B2B invoices are send out yearly in the country.",{"type":53,"attrs":3290,"content":3291},{"textAlign":64},[3292],{"text":3293,"type":68},"‍Now this partnership is taken to the next level. As ECMA wants to invest heavily in the ongoing transformation and therefore wants to sustainable anchor the exploitation of jefacture.com, also to SMEs directly, the joint venture Facturel was created together with Banqup.‍",{"type":53,"attrs":3295,"content":3296},{"textAlign":64},[3297],{"text":3298,"type":68},"François Millo, Director of ECMA stated:",{"type":53,"attrs":3300,"content":3301},{"textAlign":64},[3302],{"text":155,"type":68},{"type":2284,"content":3304},[3305],{"type":53,"attrs":3306,"content":3307},{"textAlign":64},[3308],{"text":3309,"type":68,"marks":3310},"\"Although mandatory e-invoicing will bring productivity gains for businesses, and in particular the smallest ones, it will nevertheless remain complex to implement. With jefacture.com, chartered accountants know that they can rely on a trusted e-invoicing platform in the context of this crucial reform. jefacture.com enables them to be at the heart of the invoicing flows, to assist their clients in passing this legislative milestone.”",[3311],{"type":3312},"italic",{"type":53,"attrs":3314,"content":3315},{"textAlign":64},[3316],{"text":155,"type":68},{"type":53,"attrs":3318,"content":3319},{"textAlign":64},[3320],{"text":3321,"type":68},"Hans Leybaert, former CEO of Banqup Group stated: ",{"type":53,"attrs":3323,"content":3324},{"textAlign":64},[3325],{"text":155,"type":68},{"type":2284,"content":3327},[3328],{"type":53,"attrs":3329,"content":3330},{"textAlign":64},[3331],{"text":3332,"type":68,"marks":3333},"“Thanks to the joined expertise and experience of ECMA and Banqup, accumulated by the jefacture.com platform since its launch in 2020, chartered accountants and companies have a functional and efficient tool that allows them to anticipate the transition to electronic invoicing without waiting until July 2024. 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It shows the necessary commitment and allows the pooling of significant resources to meet the security requirements set by the public authorities.”",[3334],{"type":3312},{"type":53,"attrs":3336},{"textAlign":64},{"type":61,"attrs":3338,"content":3340},{"level":3339,"textAlign":64},5,[3341],{"text":3342,"type":68},"Financial Calendar 2023",{"type":91,"content":3344},[3345,3352,3359,3366,3373,3380],{"type":94,"content":3346},[3347],{"type":53,"attrs":3348,"content":3349},{"textAlign":64},[3350],{"text":3351,"type":68},"6 March 2023: Publication FY 2022 Financial Results",{"type":94,"content":3353},[3354],{"type":53,"attrs":3355,"content":3356},{"textAlign":64},[3357],{"text":3358,"type":68},"18 April 2023: Publication Annual Report 2022",{"type":94,"content":3360},[3361],{"type":53,"attrs":3362,"content":3363},{"textAlign":64},[3364],{"text":3365,"type":68},"16 May 2023: Annual General Meeting of Shareholders",{"type":94,"content":3367},[3368],{"type":53,"attrs":3369,"content":3370},{"textAlign":64},[3371],{"text":3372,"type":68},"22 May 2023: Publication Q1 2023 Business Update",{"type":94,"content":3374},[3375],{"type":53,"attrs":3376,"content":3377},{"textAlign":64},[3378],{"text":3379,"type":68},"29 August 2023: Publication H1 2023 Financial Results",{"type":94,"content":3381},[3382],{"type":53,"attrs":3383,"content":3384},{"textAlign":64},[3385],{"text":3386,"type":68},"16 November 2023: Publication Q3 2023 Business Update",{"type":53,"attrs":3388,"content":3389},{"textAlign":64},[3390],{"text":155,"type":68},{"type":61,"attrs":3392,"content":3393},{"level":3339,"textAlign":64},[3394],{"text":3395,"type":68},"About Banqup Group",{"type":53,"attrs":3397,"content":3398},{"textAlign":64},[3399],{"text":3400,"type":68},"‍Banqup is a leading cloud-based platform for SME business services built on “Documents”, “Identity” and “Payments”. Banqup operates and develops a 100% cloud-based platform for administrative and financial services that allows real-time and seamless connections between Banqup’s customers, their suppliers, their customers, and other parties along the financial value chain. With its one-stop-shop solutions, Banqup’s mission is to make administrative and financial processes simple and smart for its customers. Since its founding in 2001, Banqup has grown significantly, expanding to offices in 32 countries, with more than 500 million documents processed in 2021, reaching over 1,600,000 SMEs and more than 2,500 Corporates across its platform today.",{"type":53,"attrs":3402,"content":3403},{"textAlign":64},[3404],{"text":3405,"type":68},"Noteworthy facts and figures:",{"type":91,"content":3407},[3408,3415,3422,3429,3436,3443,3450,3457],{"type":94,"content":3409},[3410],{"type":53,"attrs":3411,"content":3412},{"textAlign":64},[3413],{"text":3414,"type":68},"Established in 2001, with a proven track record",{"type":94,"content":3416},[3417],{"type":53,"attrs":3418,"content":3419},{"textAlign":64},[3420],{"text":3421,"type":68},"2021 turnover €171 million",{"type":94,"content":3423},[3424],{"type":53,"attrs":3425,"content":3426},{"textAlign":64},[3427],{"text":3428,"type":68},"1400+ employees",{"type":94,"content":3430},[3431],{"type":53,"attrs":3432,"content":3433},{"textAlign":64},[3434],{"text":3435,"type":68},"Diverse portfolio of clients across a wide variety of industries (banking, leasing, utilities, media, telecommunications, travel, social security service providers, public organisations, etc.) ranging from large internationals to SMEs",{"type":94,"content":3437},[3438],{"type":53,"attrs":3439,"content":3440},{"textAlign":64},[3441],{"text":3442,"type":68},"Banqup Payments, a fully owned subsidiary, is recognised as a payment institution by the National Bank of Belgium",{"type":94,"content":3444},[3445],{"type":53,"attrs":3446,"content":3447},{"textAlign":64},[3448],{"text":3449,"type":68},"Certified Swift partner",{"type":94,"content":3451},[3452],{"type":53,"attrs":3453,"content":3454},{"textAlign":64},[3455],{"text":3456,"type":68},"International M&A track record",{"type":94,"content":3458},[3459],{"type":53,"attrs":3460,"content":3461},{"textAlign":64},[3462],{"text":3463,"type":68},"Listed on the regulated market of Euronext Brussels, symbol: UPG",{"type":53,"attrs":3465,"content":3466},{"textAlign":64},[3467],{"text":155,"type":68},{"type":61,"attrs":3469,"content":3470},{"level":3339,"textAlign":64},[3471],{"text":3472,"type":68},"About ECMA",{"type":53,"attrs":3474,"content":3475},{"textAlign":64},[3476,3478],{"text":3477,"type":68},"‍Being a non-profit organisation created by the French National Council of the Order of Chartered Accountants, ECMA provides digital solutions simplifying and securing daily business of chartered accountants. ECMA supports French chartered accountants and their clients to their constantly digital transformation. Among these solutions, jefacture.com is the e-invoicing platform designed by chartered accountants for their clients. jefacture.com is used on a daily basis by thousands of accounting firms and SME’s.",{"text":155,"type":68,"marks":3479},[3480],{"type":3312},{"type":53,"attrs":3482,"content":3483},{"textAlign":64},[3484,3485],{"text":155,"type":68},{"text":3486,"type":68,"marks":3487},"(*) Warning about future statements: The statements contained herein may contain forecasts, future expectations, opinions and other future-oriented statements concerning the expected further performance of Banqup Group on the markets in which it is active. Such future-oriented statements are based on the current insights and assumptions of management concerning future events. They naturally include known and unknown risks, uncertainties and other factors, which seem justified at the time that the statements are made but may possibly turn out to be inaccurate. The actual results, performance or events may differ essentially from the results, performance or events which are expressed or implied in such future-oriented statements. Except where required by the applicable legislation, Banqup Group shall assume no obligation to update, elucidate or improve future-oriented statements in this press release in the light of new information, future events or other elements and shall not be held liable on that account. The reader is warned not to rely unduly on future-oriented statements.",[3488],{"type":3312},{"type":53,"attrs":3490,"content":3491},{"textAlign":64},[3492],{"text":3493,"type":68},"‍Information correct as of press release publish date 22nd December 2022.",{"_uid":3495,"cards":3496,"buttons":9072,"heading":1583,"tagline":8,"component":1584,"background":48,"description":9077},"032db6b1-adb8-48fd-a49f-9e9253279639",[3497,4323,5246,5776,6538,4284,7525],{"name":3498,"created_at":3499,"published_at":3500,"updated_at":3501,"id":3502,"uuid":3503,"content":3504,"slug":4306,"full_slug":4307,"sort_by_date":4308,"position":4309,"tag_list":4310,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4311,"first_published_at":4312,"release_id":64,"lang":514,"path":64,"alternates":4313,"default_full_slug":4314,"translated_slugs":4315,"_stopResolving":55},"Banqup Group and Munich Re offer flexible financing for German SMEs","2025-09-16T12:04:42.352Z","2026-09-14T07:56:16.675Z","2026-09-14T07:56:16.712Z",91482858949348,"4aa96f86-3258-43c4-91f4-5f51f1a16148",{"seo":3505,"_uid":3509,"body":3510,"image":4289,"theme":8,"title":3518,"author":4294,"related":4295,"summary":4296,"category":4303,"component":2092,"createdOn":8,"description":4302,"relatedCountries":4304,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3506,"title":3507,"plugin":34,"description":3508},"b1b0a10f-9e4a-4d16-9a25-2f661130017d","Financiación flexible para pymes alemanas | Blog - Banqup","Banqup Group anuncia una asociación con Munich Re, a través de Talaria One DAC, para ofrecer financiación de facturas a pymes","1b505508-3d02-4ffe-8b22-03baa52e531b",[3511,3522,3711],{"_uid":3512,"align":8,"image":3513,"theme":48,"buttons":3517,"columns":647,"heading":3518,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3519,"invertTextColor":55},"34bcf64b-8d1d-4ae1-86e2-4ffc8037f1f0",{"id":3514,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3515,"copyright":8,"fieldtype":15,"meta_data":3516,"is_external_url":17},96384828363190,"https://a.storyblok.com/f/318078/1925x510/cf19892483/unifiedpost-group-and-munich-re-offer-flexible-financing-for-german-smes.png",{},[],"Banqup Group (antes Unifiedpost Group) y Munich Re ofrecen financiación flexible para pymes alemanas",{"type":50,"content":3520},[3521],{"type":53},{"_uid":3523,"text":3524,"component":505,"background":48},"3bd234a1-d4d6-4416-b7c3-796e5400fb3e",{"type":50,"content":3525},[3526,3531,3545,3550,3555,3559,3568,3572,3577,3581,3590,3594,3599,3604,3609,3667,3675,3679,3684,3689,3693,3701,3706],{"type":53,"attrs":3527,"content":3528},{"textAlign":64},[3529],{"text":3530,"type":68},"La Hulpe, Bélgica – 25 de enero de 2023, 8.00 h CET - Banqup Group (Euronext: UPG) anuncia una asociación estratégica con Munich Re, a través de Talaria One DAC, para ofrecer financiación de facturas a los usuarios de la plataforma para pymes de Banqup, Banqup.",{"type":53,"attrs":3532,"content":3533},{"textAlign":64},[3534,3536,3543],{"text":3535,"type":68},"Banqup, líder del mercado en ",{"text":3537,"type":68,"marks":3538},"facturación electrónica",[3539],{"type":105,"attrs":3540},{"href":2473,"uuid":3541,"anchor":64,"custom":3542,"target":110,"linktype":111},"6128b257-5ec5-47b9-ac23-13eef5fe6180",{},{"text":3544,"type":68}," (e-invoicing), y Munich Re, uno de los principales proveedores mundiales de reaseguro, seguro directo y soluciones de riesgo relacionadas con seguros, que actúa a través de la irlandesa Talaria One DAC, crearán conjuntamente una funcionalidad integrada en la plataforma para pymes de Banqup, Banqup. Esto permite a los usuarios cobrar de inmediato sus facturas pendientes, liberando así liquidez para la pyme. Al combinar la experiencia aseguradora y la capacidad financiera de Munich Re con la tecnología y la base de clientes de Banqup, las sinergias de esta asociación son significativas. El primer lanzamiento se realizará en Alemania, con la ambición a corto plazo de ampliar la funcionalidad a varios países en los que opera Banqup.",{"type":53,"attrs":3546,"content":3547},{"textAlign":64},[3548],{"text":3549,"type":68},"‍Banqup y Talaria One DAC firmaron el acuerdo de cooperación el 24 de enero de 2023 y prevén iniciar la integración en el segundo trimestre de 2023.",{"type":53,"attrs":3551,"content":3552},{"textAlign":64},[3553],{"text":3554,"type":68},"‍Comentando esta asociación estratégica, Hans Leybaert, CEO y fundador de Banqup, declaró:",{"type":53,"attrs":3556,"content":3557},{"textAlign":64},[3558],{"text":155,"type":68},{"type":2284,"content":3560},[3561],{"type":53,"attrs":3562,"content":3563},{"textAlign":64},[3564],{"text":3565,"type":68,"marks":3566},"«Este tipo de soluciones de factura a efectivo suelen no ser accesibles para las pymes, aunque estas experimentan aún más restricciones de capital circulante que las medianas y grandes empresas. Estamos orgullosos de cerrar esta asociación con TALARIA ONE DAC. Nuestras fortalezas y valores comunes se complementan y constituyen la base de una cooperación exitosa.»",[3567],{"type":3312},{"type":53,"attrs":3569,"content":3570},{"textAlign":64},[3571],{"text":155,"type":68},{"type":53,"attrs":3573,"content":3574},{"textAlign":64},[3575],{"text":3576,"type":68},"Andreas Moser, responsable de Embedded Trade Finance Solutions en Munich Re:",{"type":53,"attrs":3578,"content":3579},{"textAlign":64},[3580],{"text":155,"type":68},{"type":2284,"content":3582},[3583],{"type":53,"attrs":3584,"content":3585},{"textAlign":64},[3586],{"text":3587,"type":68,"marks":3588},"«Ante estos tiempos difíciles, las pequeñas y medianas empresas demandan actualmente soluciones de financiación flexibles y seguridad financiera. Nuestra solución de factura a efectivo responde a ambas necesidades, aumentando la liquidez y protegiendo a las empresas frente al impago de facturas. Creemos que la forma más sencilla de ofrecer una solución así es integrándola en las plataformas ya utilizadas por las pequeñas y medianas empresas. Actualmente, Banqup ya conecta a un gran número de pequeñas y medianas empresas de toda Europa con sus clientes y proveedores. Por ello, es un socio ideal para una integración perfecta de nuestra solución de factura a efectivo.»",[3589],{"type":3312},{"type":53,"attrs":3591,"content":3592},{"textAlign":64},[3593],{"text":155,"type":68},{"type":61,"attrs":3595,"content":3596},{"level":3339,"textAlign":64},[3597],{"text":3598,"type":68},"Acerca de Banqup Group",{"type":53,"attrs":3600,"content":3601},{"textAlign":64},[3602],{"text":3603,"type":68},"‍Banqup es una plataforma líder en la nube para servicios empresariales de pymes, construida sobre «Documentos», «Identidad» y «Pagos». Banqup opera y desarrolla una plataforma 100 % en la nube para servicios administrativos y financieros que permite conexiones en tiempo real y sin fisuras entre los clientes de Banqup, sus proveedores, sus clientes y otras partes de la cadena de valor financiera. Con sus soluciones todo en uno, la misión de Banqup es hacer que los procesos administrativos y financieros sean simples e inteligentes para sus clientes. Desde su fundación en 2001, Banqup ha crecido de forma significativa, expandiéndose a oficinas en 32 países, con más de 500 millones de documentos procesados en 2021, alcanzando actualmente a más de 1.600.000 pymes y más de 2.500 grandes empresas en su plataforma.",{"type":53,"attrs":3605,"content":3606},{"textAlign":64},[3607],{"text":3608,"type":68},"Datos y cifras destacados:",{"type":91,"content":3610},[3611,3618,3625,3632,3639,3646,3653,3660],{"type":94,"content":3612},[3613],{"type":53,"attrs":3614,"content":3615},{"textAlign":64},[3616],{"text":3617,"type":68},"Fundada en 2001, con una trayectoria contrastada",{"type":94,"content":3619},[3620],{"type":53,"attrs":3621,"content":3622},{"textAlign":64},[3623],{"text":3624,"type":68},"Facturación de 2021: 171 millones de €",{"type":94,"content":3626},[3627],{"type":53,"attrs":3628,"content":3629},{"textAlign":64},[3630],{"text":3631,"type":68},"Más de 1.400 empleados",{"type":94,"content":3633},[3634],{"type":53,"attrs":3635,"content":3636},{"textAlign":64},[3637],{"text":3638,"type":68},"Cartera diversa de clientes en una amplia variedad de sectores (banca, leasing, servicios públicos, medios de comunicación, telecomunicaciones, viajes, proveedores de servicios de seguridad social, organismos públicos, etc.), desde grandes multinacionales hasta pymes",{"type":94,"content":3640},[3641],{"type":53,"attrs":3642,"content":3643},{"textAlign":64},[3644],{"text":3645,"type":68},"Banqup Payments, una filial de propiedad total, está reconocida como entidad de pago por el Banco Nacional de Bélgica",{"type":94,"content":3647},[3648],{"type":53,"attrs":3649,"content":3650},{"textAlign":64},[3651],{"text":3652,"type":68},"Socio certificado de Swift",{"type":94,"content":3654},[3655],{"type":53,"attrs":3656,"content":3657},{"textAlign":64},[3658],{"text":3659,"type":68},"Trayectoria internacional en fusiones y adquisiciones",{"type":94,"content":3661},[3662],{"type":53,"attrs":3663,"content":3664},{"textAlign":64},[3665],{"text":3666,"type":68},"Cotiza en el mercado regulado de Euronext Bruselas, símbolo: UPG",{"type":53,"attrs":3668,"content":3669},{"textAlign":64},[3670,3674],{"text":3671,"type":68,"marks":3672},"(*) Advertencia sobre declaraciones futuras: Las declaraciones aquí contenidas pueden incluir previsiones, expectativas futuras, opiniones y otras declaraciones orientadas al futuro relativas al rendimiento esperado de Banqup Group en los mercados en los que opera.  Dichas declaraciones orientadas al futuro se basan en las percepciones y suposiciones actuales de la dirección sobre acontecimientos futuros.  Por su naturaleza, incluyen riesgos conocidos y desconocidos, incertidumbres y otros factores que, aunque parecen justificados en el momento en que se realizan las declaraciones, pueden resultar inexactos.  Los resultados, el rendimiento o los acontecimientos reales pueden diferir sustancialmente de los resultados, el rendimiento o los acontecimientos expresados o implícitos en dichas declaraciones orientadas al futuro.  Salvo que la legislación aplicable lo exija, Banqup Group no asumirá obligación alguna de actualizar, aclarar o mejorar las declaraciones orientadas al futuro contenidas en este comunicado de prensa a la luz de nueva información, futuros acontecimientos u otros elementos, ni podrá ser considerada responsable por ello.  Se advierte al lector que no debe confiar indebidamente en las declaraciones orientadas al futuro.",[3673],{"type":3312},{"text":155,"type":68},{"type":53,"attrs":3676,"content":3677},{"textAlign":64},[3678],{"text":155,"type":68},{"type":61,"attrs":3680,"content":3681},{"level":3339,"textAlign":64},[3682],{"text":3683,"type":68},"Acerca de Munich Re",{"type":53,"attrs":3685,"content":3686},{"textAlign":64},[3687],{"text":3688,"type":68},"Munich Re es uno de los principales proveedores mundiales de reaseguro, seguro directo y soluciones de riesgo relacionadas con seguros. El grupo está compuesto por los segmentos de negocio de reaseguro y ERGO, así como por la gestora de activos MEAG. Munich Re opera a nivel mundial en todas las líneas del negocio asegurador. Desde su fundación en 1880, Munich Re es conocida por su inigualable experiencia en gestión de riesgos y su sólida posición financiera. Ofrece a sus clientes protección financiera frente a niveles de daños excepcionales, desde el terremoto de San Francisco de 1906 hasta la temporada de tifones del Pacífico de 2019. Munich Re posee una capacidad de innovación excepcional, que le permite cubrir también riesgos extraordinarios como lanzamientos de cohetes, energías renovables o ciberataques. Munich Re desempeña un papel clave en el impulso de la transformación digital del sector asegurador, ampliando así su capacidad de evaluación de riesgos y la gama de servicios que ofrece. Sus soluciones a medida y su estrecha cercanía con los clientes convierten a Munich Re en uno de los socios de riesgo más solicitados del mundo por empresas, instituciones y particulares.",{"type":53,"attrs":3690,"content":3691},{"textAlign":64},[3692],{"text":155,"type":68},{"type":61,"attrs":3694,"content":3696},{"level":3695,"textAlign":64},6,[3697],{"text":3698,"type":68,"marks":3699},"Aviso legal de Munich Re",[3700],{"type":71},{"type":53,"attrs":3702,"content":3703},{"textAlign":64},[3704],{"text":3705,"type":68},"Este comunicado de prensa contiene declaraciones orientadas al futuro basadas en las suposiciones y previsiones actuales de la dirección de Munich Re. Riesgos conocidos y desconocidos, incertidumbres y otros factores podrían dar lugar a diferencias significativas entre las declaraciones orientadas al futuro aquí expuestas y la evolución real, en particular los resultados, la situación financiera y el rendimiento de Munich Re. Munich Re no asume ninguna obligación de actualizar estas declaraciones orientadas al futuro ni de adaptarlas a futuros acontecimientos o novedades.",{"type":53,"attrs":3707,"content":3708},{"textAlign":64},[3709],{"text":3710,"type":68},"‍Información correcta a fecha de publicación del comunicado de prensa, 25 de enero de 2023.",{"_uid":3712,"cards":3713,"buttons":4285,"heading":3996,"tagline":8,"component":1584,"background":48,"description":4286},"173ee733-e7e1-4507-b26e-5ab68b8e1aae",[3714,3849,4032,4284],{"name":3715,"created_at":3716,"published_at":3717,"updated_at":3718,"id":3719,"uuid":3720,"content":3721,"slug":3830,"full_slug":3831,"sort_by_date":3832,"position":3833,"tag_list":3834,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":3836,"first_published_at":3837,"release_id":64,"lang":514,"path":64,"alternates":3838,"default_full_slug":3839,"translated_slugs":3840,"_stopResolving":55},"Banqup Group and Facturis at apps for finance 26th of September","2025-09-16T11:58:41.245Z","2026-07-10T14:04:19.482Z","2026-08-24T09:18:04.130Z",91481379859058,"24d12ea3-cdcf-4fe2-9170-bb11a2dac85c",{"seo":3722,"_uid":3726,"body":3727,"image":3815,"theme":8,"title":3715,"author":3819,"related":3820,"summary":3821,"category":3828,"component":2092,"createdOn":8,"description":3827,"relatedCountries":3829,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3723,"title":3724,"plugin":34,"description":3725},"e75c1981-81bd-4030-918c-6b7d0627ed40","Apps For Finance Event | Blog - Banqup","Read about Banqup and Facturis' upcoming attendance at Apps for Finance event on the 26th of September 2017.","9417920c-1e6b-4ce4-a285-8c9be4c6a423",[3728,3739,3805],{"_uid":3729,"align":8,"image":3730,"theme":48,"buttons":3734,"columns":647,"heading":3735,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3736,"invertTextColor":55},"813d7522-0878-41f9-bdf7-953385991016",{"id":3731,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3732,"copyright":8,"fieldtype":15,"meta_data":3733,"is_external_url":17},96384558043538,"https://a.storyblok.com/f/318078/1925x510/e8d4f3ec97/unifiedpost-group-and-facturis-at-apps-for-finance-26th-of-september.png",{},[],"Banqup Group (former Unifiedpost Group) and Facturis at apps for finance 26th of September",{"type":50,"content":3737},[3738],{"type":53},{"_uid":3740,"text":3741,"component":505,"background":48},"e63e7af2-7697-4b73-8a12-7f0c419bdffa",{"type":50,"content":3742},[3743,3748,3753,3758,3762,3767,3772,3777,3800],{"type":53,"attrs":3744,"content":3745},{"textAlign":64},[3746],{"text":3747,"type":68},"On the 26th of September 2017, Banqup will be present at apps for finance. Apps for finance is an event organised by B-hive and FDMagazine. Six start-ups will have the time to present their product during a short pitch with a related case story. All these startup companies are active within the FinTech world.",{"type":53,"attrs":3749,"content":3750},{"textAlign":64},[3751],{"text":3752,"type":68},"Banqup, founded in 2000, started as a platform for document management and over the years acquired several companies to create the company we are today. There are 200 people working across Europe on a BPaaS (Business Process as a Service) platform based on the basic components: document, payment and identity that are expandable with several applications to support our customers with upgrading their business processes. Banqup helps small, medium and large corporates to focus on what they do best – expanding their business! As an example, Banqup’s payment and cash management solutions services over 300 customers across a wide range of markets.",{"type":53,"attrs":3754,"content":3755},{"textAlign":64},[3756],{"text":3757,"type":68},"‍To summarise: with our one-stop-shop solution it is possible to completely streamline your business processes with customised or expandable solutions. That is what makes Banqup unique as a FinTech company. Over the years we are servicing several Corporate Clients and Communities successfully. Just to highlight a few: Facturis, InterimSign, Assuralia and Thomson Reuters.",{"type":53,"attrs":3759,"content":3760},{"textAlign":64},[3761],{"text":155,"type":68},{"type":61,"attrs":3763,"content":3764},{"level":3339,"textAlign":64},[3765],{"text":3766,"type":68},"Facturis",{"type":53,"attrs":3768,"content":3769},{"textAlign":64},[3770],{"text":3771,"type":68},"‍Banqup’s client case is Facturis, partner of Banqup that offers an online platform which helps Dutch small and medium-sized enterprises to optimise their financial situation.",{"type":53,"attrs":3773,"content":3774},{"textAlign":64},[3775],{"text":3776,"type":68},"‍The basic proposition of Facturis allows companies to outsource the process of handling paper and digital invoicing in combination with Payment Services. The companies remain in charge of the process, but operational activities are fully supported by Facturis and integrate with other relevant processes (e.g. accounting). In addition, Facturis offers Business Improving Services such as:",{"type":91,"content":3778},[3779,3786,3793],{"type":94,"content":3780},[3781],{"type":53,"attrs":3782,"content":3783},{"textAlign":64},[3784],{"text":3785,"type":68},"Real-time insight into the invoiced, paid and outstanding invoices",{"type":94,"content":3787},[3788],{"type":53,"attrs":3789,"content":3790},{"textAlign":64},[3791],{"text":3792,"type":68},"Integrated debtor-and credit management",{"type":94,"content":3794},[3795],{"type":53,"attrs":3796,"content":3797},{"textAlign":64},[3798],{"text":3799,"type":68},"Credit Insurance",{"type":53,"attrs":3801,"content":3802},{"textAlign":64},[3803],{"text":3804,"type":68},"‍These services play a key role in streamlining processes and help companies to reduce risks and the need for working capital, further reduce costs and get better insights in their financial situation. Together with Rabobank, Facturis offers access to a flexible working capital facility for the SME-market, Invoice Credit.",{"_uid":3806,"cards":3807,"buttons":3811,"heading":1583,"tagline":8,"component":1584,"background":48,"description":3812},"9027eac3-ba68-4d05-89d5-0c06fdcf8727",[3808,3809,3810],"15d23789-807d-4b05-b0a8-e5d7397987b0","22117dc0-e91c-4ec8-95ed-4b2c4800d35b","f5e84a79-3617-43be-b5c4-bf3e6aa0bb2d",[],{"type":50,"content":3813},[3814],{"type":53},{"id":3816,"alt":3715,"name":8,"focus":8,"title":3715,"source":8,"filename":3817,"copyright":8,"fieldtype":15,"meta_data":3818,"is_external_url":17},91481581151993,"https://a.storyblok.com/f/318078/640x320/e3315ea44f/643ea0dd923f5b00e2bf4f75_2017-unifiedpost-and-facturis-at-apps-for-finance-26th-of-september.png",{"alt":3715,"title":3715,"source":8,"copyright":8},[],[],{"type":50,"content":3822},[3823],{"type":53,"attrs":3824,"content":3825},{"textAlign":64},[3826],{"text":3827,"type":68},"On the 26th of September 2017, Banqup will be present at apps for finance. Discover the event details and who will be present.",[1597,1598],[],"banqup-group-and-facturis-at-apps-for-finance-26th-of-september","es/resources/blog/banqup-facturis-apps-for-finance","2017-09-06",-2290,[3835],"Rebranding","43ab81c6-d9b8-438f-a762-5309bf2983f0","2017-09-06T14:59:00.000Z",[],"resources/blog/banqup-group-and-facturis-at-apps-for-finance-26th-of-september",[3841,3842,3843,3846],{"path":3839,"name":64,"lang":521,"published":64},{"path":3839,"name":64,"lang":523,"published":64},{"path":3844,"name":3845,"lang":527,"published":55},"informationen/blog/banqup-group-und-facturis-auf-der-apps-for-finance-am-26-september","Banqup Group und Facturis auf der „Apps for Finance“ am 26. September",{"path":3847,"name":3848,"lang":514,"published":55},"resources/blog/banqup-facturis-apps-for-finance","Banqup Group y Facturis en apps for finance el 26 de septiembre",{"name":3850,"created_at":3851,"published_at":3852,"updated_at":3853,"id":3854,"uuid":3855,"content":3856,"slug":4015,"full_slug":4016,"sort_by_date":4017,"position":4018,"tag_list":4019,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4020,"first_published_at":4021,"release_id":64,"lang":514,"path":64,"alternates":4022,"default_full_slug":4023,"translated_slugs":4024,"_stopResolving":55},"Why is e-invoicing not the same as a PDF?","2025-09-16T10:20:02.275Z","2026-09-14T07:56:49.087Z","2026-09-14T07:56:49.119Z",91457135760712,"ab260c7f-5825-4940-8432-9752d8d373b7",{"seo":3857,"_uid":3861,"body":3862,"image":4000,"theme":8,"title":3870,"author":4004,"related":4005,"summary":4006,"category":4013,"component":2092,"createdOn":8,"description":4012,"relatedCountries":4014,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3858,"title":3859,"plugin":34,"description":3860},"3f8abcee-2100-4433-af9e-992608e97ef7","¿Son iguales las facturas electrónicas y los PDF? | Blog - Banqup","Descubra las principales diferencias entre una factura electrónica y un PDF y por qué muchas empresas están adoptando la factura electrónica para lograr procesos empresariales más eficientes.","4f5ae7e2-d1e6-4f4a-a072-c8c6dfb91505",[3863,3874,3988],{"_uid":3864,"align":8,"image":3865,"theme":48,"buttons":3869,"columns":647,"heading":3870,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3871,"invertTextColor":55},"45073a7c-87d8-4a88-8d5a-683929eb5c8e",{"id":3866,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3867,"copyright":8,"fieldtype":15,"meta_data":3868,"is_external_url":17},94995974269808,"https://a.storyblok.com/f/318078/1925x510/7de685fff6/why-is-e-invoicing-not-the-same-as-a-pdf.png",{},[],"¿Por qué la facturación electrónica no es lo mismo que un PDF?",{"type":50,"content":3872},[3873],{"type":53},{"_uid":3875,"text":3876,"component":505,"background":48},"8caec780-c626-463f-be73-2db00b1e2144",{"type":50,"content":3877},[3878,3883,3888,3893,3897,3902,3907,3912,3918,3923,3928,3933,3937,3942,3947,3952,3956,3961,3975],{"type":53,"attrs":3879,"content":3880},{"textAlign":64},[3881],{"text":3882,"type":68},"Muchos piensan que las facturas electrónicas y los PDF son simplemente lo mismo. Pero no es así. La facturación electrónica es mucho más que eso. Consulte a continuación las diferencias clave y descubra las ventajas de la facturación electrónica para su empresa. ",{"type":53,"attrs":3884,"content":3885},{"textAlign":64},[3886],{"text":3887,"type":68},"Al oír hablar de facturación electrónica, las empresas suelen pensar que se trata de enviar facturas por correo electrónico. Este proceso no solo incluye el envío de la factura, sino también su contabilización, pago y cobro electrónicos. La facturación electrónica supone un gran ahorro de costes, tanto para el emisor como, sobre todo, para el receptor. Dado que la facturación electrónica digitaliza el proceso de facturación tanto para el emisor como para el receptor, una factura en PDF no se considera facturación electrónica.",{"type":53,"attrs":3889,"content":3890},{"textAlign":64},[3891],{"text":3892,"type":68},"‍Al recibir un PDF, el receptor todavía tiene que introducir los datos manualmente en un sistema, con o sin ayuda de software OCR, o corregirlos. En el caso de la facturación electrónica, el receptor obtiene todos los datos de forma electrónica, lo que permite automatizarlos con sus sistemas contables. La introducción manual deja de ser necesaria y el control del contenido de la factura puede automatizarse.",{"type":53,"attrs":3894,"content":3895},{"textAlign":64},[3896],{"text":155,"type":68},{"type":61,"attrs":3898,"content":3899},{"level":3339,"textAlign":64},[3900],{"text":3901,"type":68},"Automatizado",{"type":53,"attrs":3903,"content":3904},{"textAlign":64},[3905],{"text":3906,"type":68},"‍Cuando un emisor decide optar por la facturación electrónica en lugar de simplemente enviar un PDF, obtiene un sinfín de ventajas. En primer lugar, la facturación electrónica es como el correo certificado, pero más rápida. Siempre se tiene la certeza de que la factura se ha recibido y se recibe información al respecto. Dado que el plazo de pago suele empezar a contar en el momento en que se registra la factura, la factura electrónica puede acortar dicho plazo en varios días.",{"type":53,"attrs":3908,"content":3909},{"textAlign":64},[3910],{"text":3911,"type":68},"‍Sin intervención del servicio de correo, de las salas de correo ni de otros departamentos internos, la factura electrónica llega directamente al sistema financiero del receptor. Los recordatorios pueden enviarse automáticamente y las opciones de pago pueden integrarse en la factura o en el recordatorio. Las facturas electrónicas pueden archivarse digitalmente con facilidad, lo que las hace fáciles de encontrar y siempre accesibles dentro de la organización.",{"type":53,"attrs":3913,"content":3914},{"textAlign":64},[3915,3917],{"text":3916,"type":68},"‍Con la facturación electrónica, está preparado para el futuro. Es solo cuestión de tiempo que los receptores dejen de querer recibir facturas de otra forma. El Gobierno (neerlandés) incluso hizo obligatoria la facturación electrónica (y no los PDF) a partir del 1 de enero.",{"type":78},{"type":61,"attrs":3919,"content":3920},{"level":3339,"textAlign":64},[3921],{"text":3922,"type":68},"Método de facturación electrónica",{"type":53,"attrs":3924,"content":3925},{"textAlign":64},[3926],{"text":3927,"type":68},"‍Las facturas en papel y las facturas en PDF enviadas por correo electrónico se intercambian, la mayoría de las veces, directamente entre dos partes. Por supuesto, esto también ocurre con las facturas electrónicas. En este llamado modelo de dos esquinas, ambas partes acuerdan el formato de factura electrónica que utilizarán y la conexión técnica correspondiente.",{"type":53,"attrs":3929,"content":3930},{"textAlign":64},[3931],{"text":3932,"type":68},"‍Sin embargo, existen muchos formatos distintos en el mundo de la facturación electrónica, y esa variedad tiene una función. Un formato (estándar de factura) suele reflejar las necesidades específicas de un sector o de una colaboración. Cada sector tiene su propio proceso de pedido y facturación, por lo que un único formato puede incluso resultar poco adecuado.",{"type":53,"attrs":3934,"content":3935},{"textAlign":64},[3936],{"text":155,"type":68},{"type":61,"attrs":3938,"content":3939},{"level":3339,"textAlign":64},[3940],{"text":3941,"type":68},"Proveedor de servicios de facturación",{"type":53,"attrs":3943,"content":3944},{"textAlign":64},[3945],{"text":3946,"type":68},"En el modelo de tres esquinas, un proveedor de servicios de facturación se encarga de aliviar la carga tanto del emisor como del receptor en el proceso de facturación. El emisor utiliza sus propios estándares sectoriales, y el proveedor de servicios de facturación se asegura de que la factura llegue al receptor en el formato correcto. Preferiblemente de forma electrónica, aunque el correo electrónico o el correo postal también son opciones posibles.",{"type":53,"attrs":3948,"content":3949},{"textAlign":64},[3950],{"text":3951,"type":68},"‍Otra ventaja para el emisor es que solo se necesita establecer un enlace técnico con el proveedor de servicios de facturación. El proveedor de servicios de facturación se encarga de los distintos enlaces del lado del receptor. Al traducir los diferentes formatos, el proveedor de servicios de facturación garantiza que el receptor reciba todas sus facturas electrónicamente de la misma manera y que la autenticidad e integridad de la factura se determinen correctamente. Los proveedores de servicios de facturación cuentan con una amplia red y establecen acuerdos con (grandes) sistemas contables.",{"type":53,"attrs":3953,"content":3954},{"textAlign":64},[3955],{"text":155,"type":68},{"type":61,"attrs":3957,"content":3958},{"level":3339,"textAlign":64},[3959],{"text":3960,"type":68},"Sencillo y con grandes ventajas",{"type":53,"attrs":3962,"content":3963},{"textAlign":64},[3964,3966,3973],{"text":3965,"type":68},"‍Al utilizar un ",{"text":3967,"type":68,"marks":3968},"proveedor de servicios de facturación",[3969],{"type":105,"attrs":3970},{"href":3971,"uuid":1910,"anchor":64,"custom":3972,"target":110,"linktype":111},"/es",{},{"text":3974,"type":68},", las empresas pueden intercambiar fácilmente facturas electrónicas directamente con numerosos proveedores de diferentes sectores. Esto requiere un único enlace (configuración única) entre el sistema contable y la plataforma del proveedor de servicios. Las pequeñas empresas también pueden utilizar un portal web para enviar y recibir facturas electrónicas.",{"type":53,"attrs":3976,"content":3977},{"textAlign":64},[3978,3980,3986],{"text":3979,"type":68},"Descubra la ",{"text":3981,"type":68,"marks":3982},"solución de facturación electrónica",[3983],{"type":105,"attrs":3984},{"href":2473,"uuid":3541,"anchor":64,"custom":3985,"target":110,"linktype":111},{},{"text":3987,"type":68}," de Banqup Group y conozca las ventajas que este proceso digital puede aportar a su empresa.",{"_uid":3989,"cards":3990,"buttons":3995,"heading":3996,"tagline":8,"component":1584,"background":48,"description":3997},"c45b9ec7-2d4e-4c57-afa7-13601b4f6994",[3991,3992,3993,3994],"75b8a961-c128-4cc2-8ea6-997ea8bee673","39a6a8ef-0311-4e22-86d0-f6722eb3d060","1618ccc5-af15-4c14-802a-2e6afdbfe639","e451b414-f5ca-4419-815a-2fb2318391ee",[],"Artículos similares",{"type":50,"content":3998},[3999],{"type":53},{"id":4001,"alt":3870,"name":8,"focus":8,"title":3870,"source":8,"filename":4002,"copyright":8,"fieldtype":15,"meta_data":4003,"is_external_url":17},91457618297055,"https://a.storyblok.com/f/318078/1032x600/360bf2e7e6/644005210369a927e18a4aa4_blog-why-is-e-invoicing-not-the-same-as-a-pdf.jpg",{"alt":3850,"title":3850,"source":8,"copyright":8},[],[],{"type":50,"content":4007},[4008],{"type":53,"attrs":4009,"content":4010},{"textAlign":64},[4011],{"text":4012,"type":68},"Muchos piensan que las facturas electrónicas y los PDF son simplemente lo mismo. Pero no es así. Descubra las diferencias clave.",[2090,3200],[],"why-is-e-invoicing-not-the-same-as-a-pdf-","es/resources/blog/facturacion-electronica-no-es-un-pdf","2018-08-29",-2110,[],"df2b47ad-df9d-4018-b84e-33d749450f77","2018-08-29T13:22:00.000Z",[],"resources/blog/why-is-e-invoicing-not-the-same-as-a-pdf-",[4025,4026,4027,4030],{"path":4023,"name":64,"lang":521,"published":64},{"path":4023,"name":64,"lang":523,"published":64},{"path":4028,"name":4029,"lang":527,"published":55},"informationen/blog/gemini-said-warum-ist-die-e-rechnung-nicht-dasselbe-wie-ein-pdf","Gemini said Warum ist die E-Rechnung nicht dasselbe wie ein PDF?",{"path":4031,"name":3870,"lang":514,"published":55},"resources/blog/facturacion-electronica-no-es-un-pdf",{"name":4033,"created_at":4034,"published_at":4035,"updated_at":4036,"id":4037,"uuid":4038,"content":4039,"slug":4266,"full_slug":4267,"sort_by_date":4268,"position":4269,"tag_list":4270,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4271,"first_published_at":4272,"release_id":64,"lang":514,"path":64,"alternates":4273,"default_full_slug":4274,"translated_slugs":4275,"_stopResolving":55},"Unifiedpost Group (now Banqup Group) enters Italian and Spanish markets","2025-09-16T09:08:39.712Z","2026-07-24T13:08:59.295Z","2026-08-24T09:18:14.741Z",91439594379519,"e63aa8f6-720b-4b55-a6a3-a43049210065",{"seo":4040,"_uid":4044,"body":4045,"image":4249,"theme":8,"title":4033,"author":4253,"related":4254,"summary":4255,"category":4262,"component":2092,"createdOn":8,"description":4261,"relatedCountries":4263,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4041,"title":4042,"plugin":34,"description":4043},"999c3f52-45a6-417f-b05b-6cbd965855ac","Welcome Italy and Spain | Blog - Banqup","Banqup Group enters the Italian and Spanish markets. Discover the information via our press release.","1bec51c4-6bd3-44bf-95bc-fbb32f7155d1",[4046,4056,4239],{"_uid":4047,"align":8,"image":4048,"theme":48,"buttons":4052,"columns":647,"heading":4033,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":4053,"invertTextColor":55},"b054b036-14f6-4d28-97d0-47a816572f38",{"id":4049,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4050,"copyright":8,"fieldtype":15,"meta_data":4051,"is_external_url":17},101383298834961,"https://a.storyblok.com/f/318078/3840x1017/4f1fac0882/unifiedpost-group-now-banqup-group-enters-italian-and-spanish-markets.png",{},[],{"type":50,"content":4054},[4055],{"type":53},{"_uid":4057,"text":4058,"component":505,"background":48},"50932641-5799-4e88-b3d9-804f0c92bb32",{"type":50,"content":4059},[4060,4065,4070,4075,4080,4085,4090,4095,4100,4105,4110,4114,4138,4142,4146,4151,4156,4215,4234],{"type":53,"attrs":4061,"content":4062},{"textAlign":64},[4063],{"text":4064,"type":68},"La Hulpe (Belgium), 19 March 2021 – Unifiedpost Group (now Banqup Group)(Euronext: UPG), a leading European FinTech company, announces today two acquisitions and adds more than 85,000 SMEs to its one-stop-shop platform. By this entrance in the Spanish and Italian market, Banqup Group accelerates its pan-European roll out.",{"type":53,"attrs":4066,"content":4067},{"textAlign":64},[4068],{"text":4069,"type":68},"When publishing its financial results for the fiscal year 2020 last week, Banqup Group already reconfirmed that it will continue to focus on organic growth, combined with targeted acquisitions for market and product expansion. After going public in September last year and announcing three acquisitions in December, the company now announces its second wave of acquisitions, being the Spanish company Sistema Efactura and the Italian company Digithera.",{"type":53,"attrs":4071,"content":4072},{"textAlign":64},[4073],{"text":4074,"type":68},"‍With the acquisition of the Italian electronic invoicing platform Digithera (Digithera srl), having its headquarters in Milan, Banqup Group taps into the Italian market. Digithera was founded in 2014 and offers a solution for connecting customers and suppliers to allow a secure, electronic exchange of documents deriving from the supply chain of SME’s. Next to that, the Italian software company also provides Banqup Group with the local specific requirements in order to connect its platform with local SMEs and public administrations. Today Digithera has about 20.000 active SMEs on its platform. It mainly applies the indirect sales strategy similar to the one of Banqup Group, which is based on a profound partner network of about 1.200 resellers.",{"type":53,"attrs":4076,"content":4077},{"textAlign":64},[4078],{"text":4079,"type":68},"‍As often, local obligations by government regarding e-invoicing are also in Italy a tailwind for the expansion of Banqup Group’s platform. In 2015, Italy had the largest VAT gap among EU member states, €35 billion, stimulating Italy to implement mandatory e-Invoicing regulations. Since 2015, invoices generated for all business transactions going to Italy’s public administrative authorities (i.e. FatturaPA) must be created and signed in electronic form and transmitted via the data exchange system called “Sistema di Interscambio” (SdI). As of 1 January 2019, SdI must also be used for all other invoices between all sorts of businesses.",{"type":53,"attrs":4081,"content":4082},{"textAlign":64},[4083],{"text":4084,"type":68},"‍This acquisition allows Banqup Group to enter the competitive Italian e-invoicing market. Digithera will be allowed to further grow by delivering new services on top of its document services, such as payment services and working capital financing.",{"type":53,"attrs":4086,"content":4087},{"textAlign":64},[4088],{"text":4089,"type":68},"‍Sistema Efactura (Sistema Efactura SL) has its headquarters in Madrid, which enables Banqup Group to expand to the Spanish market. By offering a full digital invoicing ecosystem for businesses and public administrations, the platform of Sistema Efactura lowers costs, increases efficiency and security with seamless access to payments and financing. It also allows Spanish SME’s to electronically exchange invoices with public institutions, which is obliged by law since 2015. The company currently services over 10 large customers such as financial and public institutions, and has 65.000 suppliers in its network.",{"type":53,"attrs":4091,"content":4092},{"textAlign":64},[4093],{"text":4094,"type":68},"‍Sistema Efactura was created in December 2019 as a carve-out from Eurobits Technologies, and was later on acquired by Tink AS in an effort to expand its open-banking platform. Tink now wishes to sell-off the e-invoicing activities altogether.",{"type":53,"attrs":4096,"content":4097},{"textAlign":64},[4098],{"text":4099,"type":68},"‍The two companies together had a total revenue of €1.91 million (EBITDA €0.44 million) in 2019 and €1.63 million (EBITDA €0.30 million) in 2020.",{"type":53,"attrs":4101,"content":4102},{"textAlign":64},[4103],{"text":4104,"type":68},"‍On 18 March 2021, Banqup Group signed a mutually binding offer to acquire 100% of the share capital. Banqup Group will finance the acquisition of Digithera 18% by shares and 82% by cash. The acquisition of Sistema Efactura will be financed 100% by cash.",{"type":53,"attrs":4106,"content":4107},{"textAlign":64},[4108],{"text":4109,"type":68},"‍The parties have expressed their intention to complete the transaction regarding Digithera by 25 March 2021. The transaction regarding Sistema Efactura was signed and completed on 18 March 2021.",{"type":53,"attrs":4111,"content":4112},{"textAlign":64},[4113],{"text":155,"type":68},{"type":2284,"content":4115},[4116],{"type":53,"attrs":4117,"content":4118},{"textAlign":64},[4119,4123,4124,4128,4129,4133,4134],{"text":4120,"type":68,"marks":4121},"“Tapping into new ecosystems and partnerships will remain an important cornerstone for our long term, sustainable growth. Therefore, we are delighted to announce the acquisition of Digithera and Sistema Efactura, allowing us to accelerate the launch of our platform in respectively Italy and Spain. These two southern European entities will fulfill a strategical and important role in the pan-European expansion of ",[4122],{"type":3312},{"text":6,"type":68},{"text":4125,"type":68,"marks":4126}," Group. They will also help us to align with local requirements and to connect with governments, which is crucial in all 26 countries where we’re rolling-out our SME-solution, including payment services, this year. I look forward to welcoming Sistema Efactura and Digithera staff to become part of the ",[4127],{"type":3312},{"text":6,"type":68},{"text":4130,"type":68,"marks":4131}," Group team, to work together and to build further on our global communication and payment business network.”",[4132],{"type":3312},{"text":1510,"type":68},{"text":4135,"type":68,"marks":4136},"Hans Leybaert, former CEO and founder of Banqup Group.",[4137],{"type":71},{"type":53,"attrs":4139,"content":4140},{"textAlign":64},[4141],{"text":155,"type":68},{"type":61,"attrs":4143,"content":4144},{"level":3339,"textAlign":64},[4145],{"text":3395,"type":68},{"type":53,"attrs":4147,"content":4148},{"textAlign":64},[4149],{"text":4150,"type":68},"‍Banqup Group wants to become the leading cloud-based platform for SME business services built on “Documents”, “Identity” and “Payments”. Banqup operates and develops a 100% cloud-based platform for administrative and financial services that allows real-time and seamless connections between Banqup’s customers, their suppliers, their customers and other parties along the financial value chain. With its one-stop-shop solutions, Banqup Group’s mission is to make administrative and financial processes simple and smart for its customers. Since its founding in 2001, Banqup Group has grown significantly, expanding to offices in 21 countries, with more than 400 million documents processed in 2020, reaching over 450,000 SMEs and more than 500 Corporates across its platform today.",{"type":53,"attrs":4152,"content":4153},{"textAlign":64},[4154],{"text":4155,"type":68},"‍Noteworthy facts and figures:",{"type":91,"content":4157},[4158,4164,4171,4178,4185,4191,4197,4203,4209],{"type":94,"content":4159},[4160],{"type":53,"attrs":4161,"content":4162},{"textAlign":64},[4163],{"text":3414,"type":68},{"type":94,"content":4165},[4166],{"type":53,"attrs":4167,"content":4168},{"textAlign":64},[4169],{"text":4170,"type":68},"Turnover of 146 million euro (pro-forma 2020)",{"type":94,"content":4172},[4173],{"type":53,"attrs":4174,"content":4175},{"textAlign":64},[4176],{"text":4177,"type":68},"1.000+ employees",{"type":94,"content":4179},[4180],{"type":53,"attrs":4181,"content":4182},{"textAlign":64},[4183],{"text":4184,"type":68},"400+ 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of ",[4222],{"type":3312},{"text":6,"type":68},{"text":4225,"type":68,"marks":4226}," Group on the markets in which it is active.  Such future-oriented statements are based on the current insights and assumptions of management concerning future events.  They naturally include known and unknown risks, uncertainties and other factors, which seem justified at the time that the statements are made, but may possibly turn out to be inaccurate.  The actual results, performance or events may differ essentially from the results, performance or events which are expressed or implied in such future-oriented statements.  Except where required by the applicable legislation, ",[4227],{"type":3312},{"text":4229,"type":68},"Banqup d",{"text":4231,"type":68,"marks":4232}," Group shall assume no obligation to update, elucidate or improve future-oriented statements in this press release in the light of new information, future events or other elements and shall not be held liable on that account.  The reader is warned not to rely unduly on future-oriented statements.",[4233],{"type":3312},{"type":53,"attrs":4235,"content":4236},{"textAlign":64},[4237],{"text":4238,"type":68},"‍Information correct as of press release publish date 19th March 2021.",{"_uid":4240,"cards":4241,"buttons":4245,"heading":1583,"tagline":8,"component":1584,"background":48,"description":4246},"1277e590-3582-414d-84f2-bb08a643917e",[4242,4243,4244,3991],"92de081e-6aa7-4041-8132-67a5586c77cb","3744e4b8-788a-464c-85c2-bfe93856231c","4321c229-6ecf-43d8-9cc5-07cbe825baa4",[],{"type":50,"content":4247},[4248],{"type":53},{"id":4250,"alt":4033,"name":8,"focus":8,"title":4033,"source":8,"filename":4251,"copyright":8,"fieldtype":15,"meta_data":4252,"is_external_url":17},91439937383094,"https://a.storyblok.com/f/318078/1032x600/6c50bdbcbf/6448db48fe8508305d9f12e0_blog-unifiedpost-group-enters-italian-and-spanish-market.jpg",{"alt":4033,"title":4033,"source":8,"copyright":8},[],[],{"type":50,"content":4256},[4257],{"type":53,"attrs":4258,"content":4259},{"textAlign":64},[4260],{"text":4261,"type":68},"Unifiedpost Group (now Banqup Group) announces today two acquisitions in the Italian and Spanish markets and adds more than 85,000 SMEs to its one-stop-shop 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español","eaac7a42-5c45-451d-9d2e-737350b06b26",[],{"type":50,"content":4287},[4288],{"type":53},{"id":4290,"alt":3518,"name":8,"focus":8,"title":3518,"source":8,"filename":4291,"copyright":8,"fieldtype":15,"meta_data":4292,"is_external_url":17},91482999154511,"https://a.storyblok.com/f/318078/399x199/4f4618c948/643ea0dd923f5be023bf4f74_people.jpeg",{"alt":4293,"title":4293,"source":8,"copyright":8},"Banqup Group (former Unifiedpost Group) and Munich Re offer flexible financing for German SMEs",[],[],{"type":50,"content":4297},[4298],{"type":53,"attrs":4299,"content":4300},{"textAlign":64},[4301],{"text":4302,"type":68},"Banqup Group anuncia una asociación estratégica con Munich Re, a través de Talaria One DAC, para ofrecer financiación de facturas a los usuarios de la plataforma para pymes de Unifiedpost, 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is the future of e-procurement?","2025-09-15T12:03:24.488Z","2026-07-24T14:47:12.598Z","2026-08-24T09:18:21.791Z",91128645624277,{"seo":4435,"_uid":4439,"body":4440,"image":4641,"theme":8,"title":4429,"author":4645,"related":4646,"summary":4647,"category":4654,"component":2092,"createdOn":8,"description":4653,"relatedCountries":4655,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4436,"title":4437,"plugin":34,"description":4438},"03beb803-089f-40f9-91fe-cc397bcf2de8","What is the Future of E-procurement? | Blog - Banqup","Take a look at the latest e-procurement trends and innovations that help streamline business processes. Discover with Banqup Group.","1b8d545a-9dc0-4820-92cf-33acc5ec45e3",[4441,4451,4632],{"_uid":4442,"align":8,"image":4443,"theme":48,"buttons":4447,"columns":647,"heading":4429,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":4448,"invertTextColor":55},"88c4598c-1319-444c-8387-b71ce17bcb71",{"id":4444,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4445,"copyright":8,"fieldtype":15,"meta_data":4446,"is_external_url":17},94983831409921,"https://a.storyblok.com/f/318078/1925x510/73fed41456/what-is-the-future-of-e-procurement-1.png",{},[],{"type":50,"content":4449},[4450],{"type":53},{"_uid":4452,"text":4453,"component":505,"background":48},"2b2dd5f4-226d-4eea-a03f-9ed0f907a8a9",{"type":50,"content":4454},[4455,4460,4465,4470,4475,4479,4484,4489,4493,4498,4503,4508,4513,4526,4530,4535,4540,4545,4564,4568,4573,4578,4583,4588,4599,4603,4608,4613,4617,4622,4627],{"type":61,"attrs":4456,"content":4457},{"level":3339,"textAlign":64},[4458],{"text":4459,"type":68},"The origins of e-procurement",{"type":53,"attrs":4461,"content":4462},{"textAlign":64},[4463],{"text":4464,"type":68},"‍Electronic procurement (known as e-procurement or procure-to-pay) is the use of the internet or a networked system to procure the services or goods an organisation needs.",{"type":53,"attrs":4466,"content":4467},{"textAlign":64},[4468],{"text":4469,"type":68},"‍First developed in the 1980s following the creation of electronic data interchange (EDI), e-procurement changed the way businesses operate forever. EDI allowed customers and suppliers to send and receive electronic documents for the first time, removing the need for physical sharing and therefore enabling e-procurement to thrive.",{"type":53,"attrs":4471,"content":4472},{"textAlign":64},[4473],{"text":4474,"type":68},"‍Over the following decades, e-procurement has naturally evolved, with developments such as web-based e-procurement solutions and the ability to integrate with business enterprise systems. It’s easy to see why e-procurement keeps evolving as businesses need more visibility, security and functionality with their e-procurement systems. But where can we expect e-procurement to evolve next? Let’s take a look.",{"type":53,"attrs":4476,"content":4477},{"textAlign":64},[4478],{"text":155,"type":68},{"type":61,"attrs":4480,"content":4481},{"level":3339,"textAlign":64},[4482],{"text":4483,"type":68},"E-procurement trends and innovations",{"type":53,"attrs":4485,"content":4486},{"textAlign":64},[4487],{"text":4488,"type":68},"‍Let’s take a look at the latest trends and what could be in store for the future.",{"type":53,"attrs":4490,"content":4491},{"textAlign":64},[4492],{"text":155,"type":68},{"type":61,"attrs":4494,"content":4495},{"level":3695,"textAlign":64},[4496],{"text":4497,"type":68},"Leveraging artificial intelligence and machine learning in procurement processes",{"type":53,"attrs":4499,"content":4500},{"textAlign":64},[4501],{"text":4502,"type":68},"‍Artificial intelligence and machine learning are impacting business operations across the globe. Procurement teams have the potential to solve more complex problems in a quicker, more effective manner when using AI and machine learning.",{"type":53,"attrs":4504,"content":4505},{"textAlign":64},[4506],{"text":4507,"type":68},"‍Businesses can embed AI into applications to manage spend analysis, strategic sourcing and contract management. This results in better organisational decisions as AI can assist with supplier management by capturing and analysing supplier data. By embedding AI, businesses can also take advantage of quick insights that would be challenging to obtain without AI’s role. This is especially useful in an organisation’s bid process where patterns in bid submissions and supplier performance data can be analysed.",{"type":53,"attrs":4509,"content":4510},{"textAlign":64},[4511],{"text":4512,"type":68},"‍For suppliers, AI can support in improving the quality of bids submitted. This is done by analysing any gaps in proposals and suggesting ways to address them. Machine learning integrated into e-procurement platforms can learn a company’s preferences and behaviours over time. This allows the system to either make purchases automatically or to suggest products/services based on the organisation’s requirements.",{"type":53,"attrs":4514,"content":4515},{"textAlign":64},[4516,4518,4524],{"text":4517,"type":68},"‍It is then clear to see how AI’s role is transforming the way e-procurement operates. The ",{"text":4519,"type":68,"marks":4520},"Deloitte Global 2021 Chief Procurement Officer Survey",[4521],{"type":105,"attrs":4522},{"href":4523,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www2.deloitte.com/us/en/insights/topics/operations/chief-procurement-officer-cpo-survey.html",{"text":4525,"type":68}," found that high performers were 4-5 times more likely to have fully deployed advanced analytics/visualisation and 10x more likely to have fully deployed robotic process automation (RPA) solutions. The survey also found that high performing brands had fully deployed predictive analytics capabilities (12% vs. 0% for others) and were 18x more likely to have fully deployed AI/cognitive capabilities.",{"type":53,"attrs":4527,"content":4528},{"textAlign":64},[4529],{"text":155,"type":68},{"type":61,"attrs":4531,"content":4532},{"level":3339,"textAlign":64},[4533],{"text":4534,"type":68},"The role of predictive analytics in optimising procurement decisions",{"type":53,"attrs":4536,"content":4537},{"textAlign":64},[4538],{"text":4539,"type":68},"‍Predictive analytics is the process of analysing and then using data to make predictions. Through the ability to read trends/correlations, these systems can analyse large amounts of data and predict the likelihood of a particular action happening, in most cases better than a human can.",{"type":53,"attrs":4541,"content":4542},{"textAlign":64},[4543],{"text":4544,"type":68},"‍For procurement this helps optimise key areas within business. Areas such as risk (i.e., detecting fraud), cost effectiveness, where to source from and relationship management.",{"type":53,"attrs":4546,"content":4547},{"textAlign":64},[4548,4550,4554,4556,4562],{"text":4549,"type":68},"‍When it comes to the digital capabilities delivering the most value for businesses, the ",{"text":4519,"type":68,"marks":4551},[4552],{"type":105,"attrs":4553},{"href":4523,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},{"text":4555,"type":68}," found predictive analytics named alongside diagnostic analytics, visualisation, RPA and AI. In a separate ",{"text":4557,"type":68,"marks":4558},"2022 study by Deloitte",[4559],{"type":105,"attrs":4560},{"href":4561,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www2.deloitte.com/content/dam/Deloitte/it/Documents/deloitte-analytics/insight-driven-organization-survey-2022-deloitte-eng.pdf",{"text":4563,"type":68},", 51% of companies said they were developing or re-developing their data, analytics and/or AI strategy, which indicates an increased emphasis on the area.",{"type":53,"attrs":4565,"content":4566},{"textAlign":64},[4567],{"text":155,"type":68},{"type":61,"attrs":4569,"content":4570},{"level":3339,"textAlign":64},[4571],{"text":4572,"type":68},"Impact of sustainability and socially responsible procurement practices",{"type":53,"attrs":4574,"content":4575},{"textAlign":64},[4576],{"text":4577,"type":68},"‍Sustainability and how businesses conduct themselves has been in the spotlight for some time now. Social responsibility in procurement is now under the microscope a little more with the rise of e-procurement systems.",{"type":53,"attrs":4579,"content":4580},{"textAlign":64},[4581],{"text":4582,"type":68},"‍Social responsibility claims made by suppliers can now be monitored and verified through e-procurement tools. This means organisations must think twice when sharing bold statements.",{"type":53,"attrs":4584,"content":4585},{"textAlign":64},[4586],{"text":4587,"type":68},"‍Sustainable procurement is likely to be the future. This is the process that brings together environmental, governance and CSR into procurement processes and decision making. Responsible businesses will look more favourably at suppliers who are socially responsible too. Reducing carbon footprint, using ethically sourced materials and reducing energy consumption are some of the ways to do this.",{"type":53,"attrs":4589,"content":4590},{"textAlign":64},[4591,4597],{"text":4592,"type":68,"marks":4593},"KPMG’s the future of procurement report",[4594],{"type":105,"attrs":4595},{"href":4596,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://kpmg.com/xx/en/home/services/advisory/management-consulting/optimize-your-sector-operations/future-procurement.html",{"text":4598,"type":68}," outlines a few key areas as a growth path to efficient and more sustainable procurement. The report includes creating transparency in procurement through AI and other tools, predictive analytics to help identify risks, focusing on supplier relationship management and co-developing new approaches to drive innovation.",{"type":53,"attrs":4600,"content":4601},{"textAlign":64},[4602],{"text":155,"type":68},{"type":61,"attrs":4604,"content":4605},{"level":3339,"textAlign":64},[4606],{"text":4607,"type":68},"Adoption of blockchain technology for enhanced transparency and security",{"type":53,"attrs":4609,"content":4610},{"textAlign":64},[4611],{"text":4612,"type":68},"‍Blockchain is an innovative technology that establishes a distributed ledger of every transaction within a network and allows multiple participants to oversee it simultaneously. In terms of procurement, it offers a reliable means of monitoring the journey of a product or transaction, starting from its origin to its acquisition and eventual payment, ensuring high security along the way.",{"type":53,"attrs":4614,"content":4615},{"textAlign":64},[4616],{"text":155,"type":68},{"type":61,"attrs":4618,"content":4619},{"level":3339,"textAlign":64},[4620],{"text":4621,"type":68},"Stay up-to-date with the latest in e-procurement",{"type":53,"attrs":4623,"content":4624},{"textAlign":64},[4625],{"text":4626,"type":68},"‍The future of e-procurement is ever changing. At Banqup Group we keep a close eye on trends to deliver the most up-to-date information and advice.",{"type":53,"attrs":4628,"content":4629},{"textAlign":64},[4630],{"text":4631,"type":68},"‍Visit our procure-to-pay page to learn more or follow our LinkedIn to receive regular updates.",{"_uid":4633,"cards":4634,"buttons":4637,"heading":1583,"tagline":8,"component":1584,"background":48,"description":4638},"8c5bb27d-8292-42b9-aca3-87efd47cb24e",[3991,4635,4636],"bb233124-e5bb-4423-a7f6-f1356185fa07","7bd56c8d-db21-4dac-a06b-3f00367182c9",[],{"type":50,"content":4639},[4640],{"type":53},{"id":4642,"alt":4429,"name":8,"focus":8,"title":4429,"source":8,"filename":4643,"copyright":8,"fieldtype":15,"meta_data":4644,"is_external_url":17},91128751216035,"https://a.storyblok.com/f/318078/1032x600/c14fabcc57/64a2e86148a9662d4b5a4f67_blog-what-is-the-future-of-e-procurement.jpg",{"alt":4429,"title":4429,"source":8,"copyright":8},[],[],{"type":50,"content":4648},[4649],{"type":53,"attrs":4650,"content":4651},{"textAlign":64},[4652],{"text":4653,"type":68},"Take a look at the latest e-procurement trends and innovations that help streamline business processes.",[2090,3207],[],"what-is-the-future-of-e-procurement-","es/resources/blog/futuro-contratacion-electronica","2023-10-03",-1790,[],"7e80e5c4-839c-4ae5-a22a-8ff7b10612b9","2023-10-03T15:04:00.000Z",[],"resources/blog/what-is-the-future-of-e-procurement-",[4666,4667,4668,4671],{"path":4664,"name":64,"lang":521,"published":64},{"path":4664,"name":64,"lang":523,"published":64},{"path":4669,"name":4670,"lang":527,"published":55},"informationen/blog/was-ist-die-zukunft-des-e-procurements","Was ist die Zukunft des E-Procurements?",{"path":4672,"name":4673,"lang":514,"published":55},"resources/blog/futuro-contratacion-electronica","¿Cuál es el futuro de la contratación electrónica?",{"name":4675,"created_at":4676,"published_at":4677,"updated_at":4678,"id":4679,"uuid":3993,"content":4680,"slug":4973,"full_slug":4974,"sort_by_date":4975,"position":4976,"tag_list":4977,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4978,"first_published_at":4979,"release_id":64,"lang":514,"path":64,"alternates":4980,"default_full_slug":4981,"translated_slugs":4982,"_stopResolving":55},"Simplifying electronic invoicing in Bolivia","2025-09-15T11:20:49.504Z","2026-07-24T14:48:23.839Z","2026-08-24T09:18:23.921Z",91118180407176,{"seo":4681,"_uid":4685,"body":4686,"image":4958,"theme":8,"title":4675,"author":4962,"related":4963,"summary":4964,"category":4970,"component":2092,"createdOn":8,"description":4684,"relatedCountries":4971,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4682,"title":4683,"plugin":34,"description":4684},"9d55fd13-603b-4703-a68f-5494990a8de1","Simplifying E-invoicing in Bolivia | Blog - Banqup","As part of its ongoing efforts to streamline financial processes and enhance tax compliance, Bolivia is working through a staged approach to e-invoicing regulations.","9106c143-3c55-43b7-b550-7ecdcb1fcaf7",[4687,4698,4942,4947],{"_uid":4688,"align":8,"image":4689,"theme":48,"buttons":4693,"columns":647,"heading":4675,"padding":1386,"tagline":4694,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":4695,"invertTextColor":55},"875d2d62-b94d-4038-8d8f-e79803f91c25",{"id":4690,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4691,"copyright":8,"fieldtype":15,"meta_data":4692,"is_external_url":17},93954826498403,"https://a.storyblok.com/f/318078/1925x510/8a27b7ed80/simplifying-electronic-invoicing-in-bolivia.png",{},[],"Compliance and Regulations",{"type":50,"content":4696},[4697],{"type":53},{"_uid":4699,"text":4700,"component":505,"background":48},"6f78f96c-0ee2-45cb-9a32-930a504c0d91",{"type":50,"content":4701},[4702,4709,4716,4731,4736,4743,4748,4759,4766,4771,4776,4781,4801,4808,4815,4820,4825,4832,4837,4844,4864,4871,4876,4881,4888,4893,4898,4903,4908,4915,4938],{"type":53,"attrs":4703,"content":4704},{"textAlign":64},[4705],{"text":4706,"type":68,"marks":4707},"This article was last updated on March 27, 2026, to reflect the latest postponement of the deadline for the rollout to Taxpayer Groups 9-12.",[4708],{"type":3312},{"type":53,"attrs":4710,"content":4711},{"textAlign":64},[4712],{"text":4713,"type":68,"marks":4714},"Bolivia's journey towards a streamlined financial landscape continues with the implementation of electronic invoicing. Discover the progress, legal framework, and benefits for businesses in this evolving digital transformation.",[4715],{"type":71},{"type":53,"attrs":4717,"content":4718},{"textAlign":64},[4719,4721,4729],{"text":4720,"type":68},"As part of its ongoing efforts to streamline financial processes and enhance tax compliance, Bolivia implemented an electronic invoicing (e-invoicing) model in 2019. With a history of previous attempts at establishing a mandatory system, the National Tax Service (",{"text":4722,"type":68,"marks":4723},"Servicio de Impuestos Nacionales",[4724,4727,4728],{"type":105,"attrs":4725},{"href":4726,"uuid":64,"anchor":64,"custom":64,"target":64,"linktype":19},"https://www.impuestos.gob.bo/",{"type":3312},{"type":1439},{"text":4730,"type":68},", or SIN for short) has been working to overcome infrastructure challenges and create a more efficient invoicing environment.",{"type":53,"attrs":4732,"content":4733},{"textAlign":64},[4734],{"text":4735,"type":68},"Let’s take a look at the South American country’s progress so far.",{"type":61,"attrs":4737,"content":4738},{"level":693,"textAlign":64},[4739],{"text":4740,"type":68,"marks":4741},"Legal background",[4742],{"type":71},{"type":53,"attrs":4744,"content":4745},{"textAlign":64},[4746],{"text":4747,"type":68},"Bolivia's e-invoicing journey began in 2007 with the introduction of the New Invoicing System (NSF-07) through resolution RND 10-0016-07.",{"type":53,"attrs":4749,"content":4750},{"textAlign":64},[4751,4753,4757],{"text":4752,"type":68},"Over the years, several modifications were made, leading to the implementation of the final Virtual Invoicing System (SFV) on January 1, 2016. The legal basis for e-invoicing can be found in the country’s Normative Resolution of the Board of Directors (",{"text":4754,"type":68,"marks":4755},"Resolución Normativa de Directorio",[4756],{"type":3312},{"text":4758,"type":68},") RND No. 101800000026 from November 20, 2018.",{"type":61,"attrs":4760,"content":4761},{"level":693,"textAlign":64},[4762],{"text":4763,"type":68,"marks":4764},"Bolivia’s electronic invoicing mandate",[4765],{"type":71},{"type":53,"attrs":4767,"content":4768},{"textAlign":64},[4769],{"text":4770,"type":68},"Like many other countries, Bolivia has introduced mandatory e-invoicing regulations in stages, beginning several years ago with Resolutions RND No. 10210000012 and No. 1021000017, which mandated large taxpayers (known locally as PRICOS) and others explicitly mentioned in the resolutions to comply, starting on December 1, 2021.",{"type":53,"attrs":4772,"content":4773},{"textAlign":64},[4774],{"text":4775,"type":68},"Since then, numerous other taxpayer groups have been mandated in phases. Some of the initially announced dates were ultimately postponed, even at the very last minute.",{"type":53,"attrs":4777,"content":4778},{"textAlign":64},[4779],{"text":4780,"type":68},"Currently, taxpayer groups 9 through 12 have a deadline of October 1, 2026 (most recently again postponed from the previous deadline of April 1, 2026, via RND No. 102600000007). All previous groups have already passed their compliance deadlines.",{"type":53,"attrs":4782,"content":4783},{"textAlign":64},[4784,4786,4793,4795,4799],{"text":4785,"type":68},"SIN has created an ",{"text":4787,"type":68,"marks":4788},"online resource",[4789,4792],{"type":105,"attrs":4790},{"href":4791,"uuid":64,"anchor":64,"custom":64,"target":64,"linktype":19},"https://siat.impuestos.gob.bo/facturacion/public/consultaFacturacion.xhtml",{"type":1439},{"text":4794,"type":68}," that asks for a taxpayer’s identification number (",{"text":4796,"type":68,"marks":4797},"Número de Identificación Tributaria",[4798],{"type":3312},{"text":4800,"type":68},", or NIT) to help them identify which e-invoicing group they belong to.",{"type":61,"attrs":4802,"content":4803},{"level":693,"textAlign":64},[4804],{"text":4805,"type":68,"marks":4806},"The technical details",[4807],{"type":71},{"type":61,"attrs":4809,"content":4810},{"level":63,"textAlign":64},[4811],{"text":4812,"type":68,"marks":4813},"E-invoicing formats",[4814],{"type":71},{"type":53,"attrs":4816,"content":4817},{"textAlign":64},[4818],{"text":4819,"type":68},"The e-invoicing format in Bolivia follows XML 1.0 UTF-8 standards. Each document type varies based on the economic sector, and the format can be validated using XSD schema files provided by the National Tax Service (SIN).",{"type":53,"attrs":4821,"content":4822},{"textAlign":64},[4823],{"text":4824,"type":68},"The system covers a wide range of document types, including standard invoices, credit-debit notes, fiscal notes, and more.",{"type":61,"attrs":4826,"content":4827},{"level":63,"textAlign":64},[4828],{"text":4829,"type":68,"marks":4830},"Certification process",[4831],{"type":71},{"type":53,"attrs":4833,"content":4834},{"textAlign":64},[4835],{"text":4836,"type":68},"To ensure compliance, mandated taxpayers undergo a mandatory certification process in a test environment. This process enables testing, adjustments, and error corrections before obtaining a certificate of successful testing. Once certified, taxpayers can use the production environment by obtaining unique system initialization codes (CUIS) and daily invoicing codes (CUFD).",{"type":61,"attrs":4838,"content":4839},{"level":63,"textAlign":64},[4840],{"text":4841,"type":68,"marks":4842},"Digital certificate and signature",[4843],{"type":71},{"type":53,"attrs":4845,"content":4846},{"textAlign":64},[4847,4849,4853,4855,4862],{"text":4848,"type":68},"Electronic tax documents must be electronically signed using digital certificates issued by the Agency for the Development of the Information Society in Bolivia (",{"text":4850,"type":68,"marks":4851},"Agencia para el Desarrollo de la Sociedad de la Información en Bolivia",[4852],{"type":3312},{"text":4854,"type":68}," or ",{"text":4856,"type":68,"marks":4857},"ADSIB",[4858,4861],{"type":105,"attrs":4859},{"href":4860,"uuid":64,"anchor":64,"custom":64,"target":64,"linktype":19},"https://adsib.gob.bo/",{"type":1439},{"text":4863,"type":68},"). This digital signature ensures the integrity and authenticity of the documents.",{"type":61,"attrs":4865,"content":4866},{"level":63,"textAlign":64},[4867],{"text":4868,"type":68,"marks":4869},"Validation and exchange",[4870],{"type":71},{"type":53,"attrs":4872,"content":4873},{"textAlign":64},[4874],{"text":4875,"type":68},"Online validation of documents is carried out with the National Tax Service (SIN).",{"type":53,"attrs":4877,"content":4878},{"textAlign":64},[4879],{"text":4880,"type":68},"Taxpayers request a unique daily invoice code (CUFD) and generate documents in XML format with a digital signature. These documents are sent to SIN to obtain receipt codes. The use of a graphical representation, including a mandatory QR code, facilitates the exchange of documents between taxpayers. Companies receiving electronic tax documents can automatically validate them on the SIN platform, ensuring their tax validity.",{"type":61,"attrs":4882,"content":4883},{"level":693,"textAlign":64},[4884],{"text":4885,"type":68,"marks":4886},"What mandatory e-invoicing means for Bolivian businesses",[4887],{"type":71},{"type":53,"attrs":4889,"content":4890},{"textAlign":64},[4891],{"text":4892,"type":68},"Bolivia’s implementation of e-invoicing mandates creates numerous benefits for both taxpayers and the tax authority.",{"type":53,"attrs":4894,"content":4895},{"textAlign":64},[4896],{"text":4897,"type":68},"For the tax authority, increased visibility of tax submissions and tax claims is a great benefit of mandatory electronic invoicing. Around the globe, billions are lost each year through fraudulent VAT claims - a decreasing number since the introduction of mandatory e-invoicing regulations.",{"type":53,"attrs":4899,"content":4900},{"textAlign":64},[4901],{"text":4902,"type":68},"And what about the benefits for businesses? E-invoicing helps streamline financial processes. With the right automated and digital solutions in place, businesses can reduce their manual financial supply-chain tasks and enjoy automated workflows, structured data, and cash flow insights at their fingertips.",{"type":53,"attrs":4904,"content":4905},{"textAlign":64},[4906],{"text":4907,"type":68},"Overall, electronic invoicing transitions countries towards more digitalised ways of working, which creates more efficiency for all involved. Understanding the requirements and embracing e-invoicing solutions will enable businesses to comply with the regulations and unlock the advantages of this digital transformation.",{"type":61,"attrs":4909,"content":4910},{"level":693,"textAlign":64},[4911],{"text":4912,"type":68,"marks":4913},"Stay up to date",[4914],{"type":71},{"type":53,"attrs":4916,"content":4917},{"textAlign":64},[4918,4920,4929,4931,4937],{"text":4919,"type":68},"Stay up to date with newly announced mandates from around the globe by ",{"text":4921,"type":68,"marks":4922},"signing up for our Banqup Group e-invoicing monthly newsletter",[4923,4928],{"type":105,"attrs":4924},{"href":4925,"uuid":4926,"anchor":64,"custom":4927,"target":110,"linktype":111},"/es/solutions/compliance-management/boletin-cumplimiento-fiscal","75af81b4-c023-4cd4-84c7-d5519f9c7b76",{},{"type":1439},{"text":4930,"type":68}," and following us on ",{"text":4932,"type":68,"marks":4933},"LinkedIn",[4934,4936],{"type":105,"attrs":4935},{"href":2829,"uuid":64,"anchor":64,"custom":64,"target":64,"linktype":19},{"type":1439},{"text":776,"type":68},{"type":53,"attrs":4939,"content":4940},{"textAlign":64},[4941],{"type":78},{"_uid":4943,"page":4944,"component":4946},"2e4cd2fd-30db-4f87-88d3-8b9dde7b2ea6",[4945],"54889ce6-3a70-431f-a018-6d1a27eb73a2","author",{"_uid":4948,"cards":4949,"buttons":4954,"heading":1583,"tagline":8,"component":1584,"background":48,"description":4955},"6e372618-4feb-4934-8772-e2be01e4afc7",[4950,4951,4952,4953],"a8c8b7e9-7612-4e8f-8647-df0270a0bfc1","8b507ceb-6d21-42f2-82c9-b1f15e39dc9e","72d03b50-2d87-4f32-8245-bfc1ba68e7e6","289339c4-3f35-490b-9a07-01bef69cbb12",[],{"type":50,"content":4956},[4957],{"type":53},{"id":4959,"alt":4675,"name":8,"focus":8,"title":4675,"source":8,"filename":4960,"copyright":8,"fieldtype":15,"meta_data":4961,"is_external_url":17},91119211510925,"https://a.storyblok.com/f/318078/1032x600/8ac1ab4125/64b015d3ce98238a6db3a51f_blog-simplifying-electronic-invoicing-in-bolivia_website.webp",{"alt":4675,"title":4675,"source":8,"copyright":8},[],[],{"type":50,"content":4965},[4966],{"type":53,"attrs":4967,"content":4968},{"textAlign":64},[4969],{"text":4684,"type":68},[2090,3207],[4972],"Bolivia","simplifying-electronic-invoicing-in-bolivia","es/resources/blog/facturacion-electronica-bolivia","2026-03-27",-1730,[],"13e75b5c-05e2-4bcb-a0a4-3ca24c6f218b","2025-09-16T14:25:00.000Z",[],"resources/blog/simplifying-electronic-invoicing-in-bolivia",[4983,4986,4987,4990],{"path":4984,"name":4985,"lang":521,"published":55},"resources/blog/elektronische-facturatie-in-bolivia-vereenvoudigen","Elektronische facturatie in Bolivia vereenvoudigen",{"path":4981,"name":64,"lang":523,"published":64},{"path":4988,"name":4989,"lang":527,"published":55},"informationen/blog/e-rechnungspflicht-in-bolivien-vereinfachen","E-Rechnungspflicht in Bolivien vereinfachen",{"path":4991,"name":4992,"lang":514,"published":55},"resources/blog/facturacion-electronica-bolivia","Simplificación de la facturación electrónica en Bolivia",{"name":4994,"created_at":4995,"published_at":4996,"updated_at":4997,"id":4998,"uuid":3994,"content":4999,"slug":5205,"full_slug":5206,"sort_by_date":5207,"position":5208,"tag_list":5209,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":5210,"first_published_at":5211,"release_id":64,"lang":514,"path":64,"alternates":5212,"default_full_slug":5213,"translated_slugs":5214,"_stopResolving":55},"Using AI to automate your procurement process","2025-09-15T11:10:28.278Z","2026-07-24T14:48:51.937Z","2026-08-24T09:18:24.580Z",91115635899210,{"seo":5000,"_uid":5004,"body":5005,"image":5191,"theme":8,"title":4994,"author":5195,"related":5196,"summary":5197,"category":5203,"component":2092,"createdOn":8,"description":5003,"relatedCountries":5204,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5001,"title":5002,"plugin":34,"description":5003},"da3839de-80be-4bc0-ab27-05f3afca1f44","Using AI to Automate Procurement | Blog - Banqup","In today's fast-paced business landscape, companies strive for seamless and error-free procurement and invoicing processes. A game-changer is the increased use of artificial intelligence (AI). ","94e35906-11ab-4f44-ae3c-cefce16200c5",[5006,5017,5182],{"_uid":5007,"align":8,"image":5008,"theme":48,"buttons":5012,"columns":647,"heading":4994,"padding":1386,"tagline":5013,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":5014,"invertTextColor":55},"044737ac-a575-4b5b-96a5-4cdcfe1358c4",{"id":5009,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5010,"copyright":8,"fieldtype":15,"meta_data":5011,"is_external_url":17},94982609372182,"https://a.storyblok.com/f/318078/1925x510/aa83647abe/using-ai-to-automate-your-procurement-process.png",{},[],"Digital Transformation",{"type":50,"content":5015},[5016],{"type":53},{"_uid":5018,"text":5019,"component":505,"background":48},"b2fee014-a4c6-4207-802b-3b7ce2c43578",{"type":50,"content":5020},[5021,5025,5030,5035,5037,5041,5046,5051,5056,5061,5065,5070,5075,5080,5085,5089,5094,5099,5150,5155,5159,5164,5177],{"type":53,"attrs":5022,"content":5023},{"textAlign":64},[5024],{"text":5003,"type":68},{"type":53,"attrs":5026,"content":5027},{"textAlign":64},[5028],{"text":5029,"type":68},"AI is fast becoming the enabler for automating procurement and procure-to-pay processes. AI replaces manual, data-checking tasks and transitions businesses to digitalised ways of working.",{"type":53,"attrs":5031,"content":5032},{"textAlign":64},[5033],{"text":5034,"type":68},"‍And how does AI do this? AI detects trends and automates tasks based on a business’ defined rules. Processes become more efficient over time, and businesses begin to work much smarter.",{"type":53,"attrs":5036},{"textAlign":64},{"type":53,"attrs":5038,"content":5039},{"textAlign":64},[5040],{"text":155,"type":68},{"type":61,"attrs":5042,"content":5043},{"level":3339,"textAlign":64},[5044],{"text":5045,"type":68},"How did businesses operate before AI?",{"type":53,"attrs":5047,"content":5048},{"textAlign":64},[5049],{"text":5050,"type":68},"‍Before AI, business transactions and connections were possible using Electronic Data Interchange (EDI).",{"type":53,"attrs":5052,"content":5053},{"textAlign":64},[5054],{"text":5055,"type":68},"‍EDI enables cross-business electronic transactions, but only possible when both businesses agree on the structured data type. The EDI process is reliable, but can be complex, high maintenance and costly. This is why businesses tend to use EDI to process just a small number of transactions, and then PDF and email for remaining documents.",{"type":53,"attrs":5057,"content":5058},{"textAlign":64},[5059],{"text":5060,"type":68},"‍It is easy to see why businesses aren’t using PDF and email for all documents. PDFs can be in various formats, therefore requiring a great deal of manual effort from both the customer and supplier. From reading, checking, validating and document matching.",{"type":53,"attrs":5062,"content":5063},{"textAlign":64},[5064],{"text":155,"type":68},{"type":61,"attrs":5066,"content":5067},{"level":3339,"textAlign":64},[5068],{"text":5069,"type":68},"Error-free connection of suppliers",{"type":53,"attrs":5071,"content":5072},{"textAlign":64},[5073],{"text":5074,"type":68},"‍To work smarter, businesses must welcome the high degree of automation that doesn't come with PDF and EDI processes. By welcoming automation, businesses create error-free supplier connections which enable more efficient processes.",{"type":53,"attrs":5076,"content":5077},{"textAlign":64},[5078],{"text":5079,"type":68},"‍This is where AI comes into play.",{"type":53,"attrs":5081,"content":5082},{"textAlign":64},[5083],{"text":5084,"type":68},"‍AI reads documents with high accuracy without manual work required. Already, businesses no longer need to read, process or validate documents, as AI does this for them. For example, AI can detect that “zero” and “0” are the same - a match not usually possible without human intervention. AI can also match similar information e.g. one document stating “4x 25kg” and one document stating “1x 100kg”.",{"type":53,"attrs":5086,"content":5087},{"textAlign":64},[5088],{"text":155,"type":68},{"type":61,"attrs":5090,"content":5091},{"level":3339,"textAlign":64},[5092],{"text":5093,"type":68},"How AI benefits business processes",{"type":53,"attrs":5095,"content":5096},{"textAlign":64},[5097],{"text":5098,"type":68},"‍When a business welcomes AI, the benefits are quick and clear:",{"type":91,"content":5100},[5101,5108,5115,5122,5129,5136,5143],{"type":94,"content":5102},[5103],{"type":53,"attrs":5104,"content":5105},{"textAlign":64},[5106],{"text":5107,"type":68},"Time savings through more efficient working methods",{"type":94,"content":5109},[5110],{"type":53,"attrs":5111,"content":5112},{"textAlign":64},[5113],{"text":5114,"type":68},"Significant improvement in process quality and speed",{"type":94,"content":5116},[5117],{"type":53,"attrs":5118,"content":5119},{"textAlign":64},[5120],{"text":5121,"type":68},"Cost optimisation, faster ROI",{"type":94,"content":5123},[5124],{"type":53,"attrs":5125,"content":5126},{"textAlign":64},[5127],{"text":5128,"type":68},"Simple and quick connection of suppliers",{"type":94,"content":5130},[5131],{"type":53,"attrs":5132,"content":5133},{"textAlign":64},[5134],{"text":5135,"type":68},"Secure, certified data processing",{"type":94,"content":5137},[5138],{"type":53,"attrs":5139,"content":5140},{"textAlign":64},[5141],{"text":5142,"type":68},"Profiling of purchasing as an innovation driver for digitalisation",{"type":94,"content":5144},[5145],{"type":53,"attrs":5146,"content":5147},{"textAlign":64},[5148],{"text":5149,"type":68},"Higher attractiveness for specialists",{"type":53,"attrs":5151,"content":5152},{"textAlign":64},[5153],{"text":5154,"type":68},"‍Of course, the right AI technology comes when choosing the right solutions provider.",{"type":53,"attrs":5156,"content":5157},{"textAlign":64},[5158],{"text":155,"type":68},{"type":61,"attrs":5160,"content":5161},{"level":3339,"textAlign":64},[5162],{"text":5163,"type":68},"Banqup Group’s AI solutions",{"type":53,"attrs":5165,"content":5166},{"textAlign":64},[5167,5169,5175],{"text":5168,"type":68},"‍With ",{"text":5170,"type":68,"marks":5171},"Banqup Group",[5172],{"type":105,"attrs":5173},{"href":3971,"uuid":1910,"anchor":64,"custom":5174,"target":110,"linktype":111},{},{"text":5176,"type":68},", your business can welcome AI and start enjoying automated, data-led, digital workflows in no time at all.",{"type":53,"attrs":5178,"content":5179},{"textAlign":64},[5180],{"text":5181,"type":68},"‍Using our solution, say Goodbye to expensive EDI and manual extraction. Say Hello to streamlined processes and defined workstreams, tailored to your business’ needs.‍ Explore our procure-to-pay solution today.",{"_uid":5183,"cards":5184,"buttons":5187,"heading":1583,"tagline":8,"component":1584,"background":48,"description":5188},"f533d776-8835-4d20-a2a6-b80df3885ea4",[5185,5186,4951,4636],"6c4774f1-0735-42be-b38c-ef2d5ea0c726","a9e8392a-e123-4af2-b423-23422fb37685",[],{"type":50,"content":5189},[5190],{"type":53},{"id":5192,"alt":4994,"name":8,"focus":8,"title":4994,"source":8,"filename":5193,"copyright":8,"fieldtype":15,"meta_data":5194,"is_external_url":17},91115770591195,"https://a.storyblok.com/f/318078/1032x600/5e946196e4/64b7fcf4cee3fb8d4277bb9d_blog-using-ai-to-automate-your-procurement-process-website.webp",{"alt":4994,"title":4994,"source":8,"copyright":8},[],[],{"type":50,"content":5198},[5199],{"type":53,"attrs":5200,"content":5201},{"textAlign":64},[5202],{"text":5003,"type":68},[2090,3200],[],"using-ai-to-automate-your-procurement-process","es/resources/blog/ia-automatizar-proceso-compras","2023-07-19",-1710,[],"017cb5ec-b699-4017-bbf0-686f1265c3b4","2023-07-19T14:11:00.000Z",[],"resources/blog/using-ai-to-automate-your-procurement-process",[5215,5216,5217,5220],{"path":5213,"name":64,"lang":521,"published":64},{"path":5213,"name":64,"lang":523,"published":64},{"path":5218,"name":5219,"lang":527,"published":55},"informationen/blog/ki-gestuetzte-automatisierung-ihrer-beschaffungsprozesse","KI-gestützte Automatisierung Ihrer Beschaffungsprozesse",{"path":5221,"name":5222,"lang":514,"published":55},"resources/blog/ia-automatizar-proceso-compras","Usar IA para automatizar el proceso de compras",[],{"type":50,"content":5225},[5226],{"type":53},{"id":4001,"alt":3870,"name":8,"focus":8,"title":3870,"source":8,"filename":4002,"copyright":8,"fieldtype":15,"meta_data":5228,"is_external_url":17},{"alt":3850,"title":3850,"source":8,"copyright":8},[],[],{"type":50,"content":5232},[5233],{"type":53,"attrs":5234,"content":5235},{"textAlign":64},[5236],{"text":4012,"type":68},[2090,3200],[],[],[],[5242,5243,5244,5245],{"path":4023,"name":64,"lang":521,"published":64},{"path":4023,"name":64,"lang":523,"published":64},{"path":4028,"name":4029,"lang":527,"published":55},{"path":4031,"name":3870,"lang":514,"published":55},{"name":5247,"created_at":5248,"published_at":5249,"updated_at":5250,"id":5251,"uuid":5252,"content":5253,"slug":5759,"full_slug":5760,"sort_by_date":5761,"position":5762,"tag_list":5763,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":5764,"first_published_at":5765,"release_id":64,"lang":514,"path":64,"alternates":5766,"default_full_slug":5767,"translated_slugs":5768,"_stopResolving":55},"Why do I need an electronic invoice?","2025-09-16T09:47:54.044Z","2026-09-14T07:56:48.472Z","2026-09-14T07:56:48.511Z",91449237728167,"930c24ec-038a-45db-8ff4-5409314d4b1a",{"seo":5254,"_uid":5258,"body":5259,"image":5743,"theme":8,"title":5267,"author":5747,"related":5749,"summary":5750,"category":5757,"component":2092,"createdOn":8,"description":5756,"relatedCountries":5758,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5255,"title":5256,"plugin":34,"description":5257},"6e300977-c37b-49be-b2b0-e5091d0b562a","¿Por qué necesito una factura electrónica? | Blog - Banqup","Andrus Kaarelson, CEO de Banqup Estonia, habla sobre la factura electrónica en el mercado estonio y por qué el sector privado debería aprender del Estado estonio.","35a4b707-0a85-4075-99b6-34ef5802aea5",[5260,5271,5426],{"_uid":5261,"align":8,"image":5262,"theme":48,"buttons":5266,"columns":647,"heading":5267,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":5268,"invertTextColor":55},"9a59114a-b7fa-4d52-a6ec-faab95fa64e2",{"id":5263,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5264,"copyright":8,"fieldtype":15,"meta_data":5265,"is_external_url":17},94994641205953,"https://a.storyblok.com/f/318078/1925x510/f960043cb2/why-do-i-need-an-electronic-invoice.png",{},[],"¿Por qué necesito una factura electrónica?",{"type":50,"content":5269},[5270],{"type":53},{"_uid":5272,"text":5273,"component":505,"background":48},"523c1de7-0f7c-4ebf-b797-2e24e3a3081c",{"type":50,"content":5274},[5275,5280,5285,5300,5304,5309,5314,5327,5332,5337,5341,5346,5359,5364,5369,5374,5378,5383,5397,5401,5406,5411,5416],{"type":53,"attrs":5276,"content":5277},{"textAlign":64},[5278],{"text":5279,"type":68},"Andrus Kaarelson, CEO de Banqup Estonia, explica la factura electrónica en el mercado estonio y por qué el sector privado debería aprender del Estado estonio.",{"type":53,"attrs":5281,"content":5282},{"textAlign":64},[5283],{"text":5284,"type":68},"Hace poco hablé con un empresario que preguntó: ¿por qué necesito una factura electrónica? Sin embargo, dos años después del inicio de la facturación electrónica con las administraciones públicas, el empresario debería plantearse la innovación de procesos, que ayuda a ahorrar costes y a que las empresas sean más eficientes.",{"type":53,"attrs":5286,"content":5287},{"textAlign":64},[5288,5290,5298],{"text":5289,"type":68},"‍En 2019, el Estado estonio quiso que todos los proveedores de servicios y vendedores de bienes a subagencias recibieran el pago únicamente si presentaban una factura electrónica (",{"text":5291,"type":68,"marks":5292},"factura electrónica",[5293],{"type":105,"attrs":5294},{"href":5295,"uuid":5296,"anchor":64,"custom":5297,"target":110,"linktype":111},"/es/resources/blog/que-es-facturacion-electronica","4ef02f0c-e7c4-4aa2-bb98-83ff723c0fdb",{},{"text":5299,"type":68},"). Esta medida contundente redujo significativamente el volumen de facturas en papel y PDF en Estonia. El porcentaje de facturas electrónicas enviadas al Estado pasó del 35 % en junio al 90 % en julio, y hoy, dos años después, el porcentaje de facturas electrónicas de empresa a administración (B2G) enviadas al Estado alcanza el 98 %. En cuanto al volumen, se enviarán al Estado unas 30.000 facturas electrónicas al mes, incluso más en los últimos meses del año. ¡El Estado ha dado un buen impulso a la innovación!",{"type":53,"attrs":5301,"content":5302},{"textAlign":64},[5303],{"text":155,"type":68},{"type":61,"attrs":5305,"content":5306},{"level":3339,"textAlign":64},[5307],{"text":5308,"type":68},"Por cierto, ¿sabe cuándo se envió la primera factura electrónica B2B en Estonia?",{"type":53,"attrs":5310,"content":5311},{"textAlign":64},[5312],{"text":5313,"type":68},"‍Esto ocurrió en 2007, por lo que contamos con una trayectoria de 14 años en este ámbito, lo cual no es poco tiempo en absoluto.",{"type":53,"attrs":5315,"content":5316},{"textAlign":64},[5317,5319,5325],{"text":5318,"type":68},"‍Según Banqup, la factura electrónica representa alrededor del 40 % de las facturas enviadas en Estonia, y se envían principalmente a empresas estatales. El porcentaje de facturas electrónicas en nuestra propia base de clientes es aún mayor, un 50 %, y está claro que las grandes empresas estonias apoyan la transición a la factura electrónica. Nuestra solución de facturación para pequeñas y medianas empresas, ",{"text":5320,"type":68,"marks":5321},"arved.ee",[5322],{"type":105,"attrs":5323},{"href":5324,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www.arved.ee/",{"text":5326,"type":68},", que también se puede utilizar para enviar facturas al Estado, cuenta con casi 18.000 usuarios.",{"type":53,"attrs":5328,"content":5329},{"textAlign":64},[5330],{"text":5331,"type":68},"‍La otra mitad de la facturación electrónica debería provenir de las transacciones entre empresas privadas, pero esto todavía no es así. ¿Por qué? En primer lugar, a algunos empresarios de mentalidad más tradicional les parece que una factura electrónica que se mueve entre los sistemas de información de las empresas no es una factura real. Quieren ver una factura en formato PDF en el correo o incluso una factura en papel, que se pueda recoger y firmar al enviarla para su pago. Otros piensan que ya tienen un asesor contable; al fin y al cabo, él introduce las facturas de venta y las revisa en el ordenador, y ese trabajo está incluido en su sueldo. ¿Por qué cambiar algo?",{"type":53,"attrs":5333,"content":5334},{"textAlign":64},[5335],{"text":5336,"type":68},"‍Hemos analizado si a los asesores contables les gusta introducir las facturas de compra, y dos tercios han respondido que no. Me atrevería a decir que hoy en día los asesores contables no quieren ver un gran número de facturas de compra y comprobantes sobre su mesa, sino en la pantalla del ordenador. La percepción de los directores generales, los directores financieros y los asesores contables tiene que cambiar: nos dirigimos hacia una gestión digital, y el tiempo dedicado a las tareas administrativas debe reducirse. Para automatizar el envío y la recepción de facturas, se puede elegir un operador de facturación electrónica y realizar algunos ajustes en el programa de contabilidad. El asesor contable de la empresa se ocupa entonces de asuntos financieros más sustanciales y de la contabilidad de gestión, y podrá disfrutar de su papel como un pequeño director financiero.",{"type":53,"attrs":5338,"content":5339},{"textAlign":64},[5340],{"text":155,"type":68},{"type":61,"attrs":5342,"content":5343},{"level":3339,"textAlign":64},[5344],{"text":5345,"type":68},"Hablamos de la eficiencia del uso de la factura electrónica, pero ¿en qué consiste?",{"type":53,"attrs":5347,"content":5348},{"textAlign":64},[5349,5351,5358],{"text":5350,"type":68},"‍En primer lugar, la factura enviada siempre llega automáticamente al entorno de facturación. No desaparece, y esto agiliza el flujo de dinero: el destinatario confirma desde el teléfono o el ordenador, y el vendedor ",{"text":5352,"type":68,"marks":5353},"recibe el dinero a tiempo",[5354],{"type":105,"attrs":5355},{"href":2487,"uuid":5356,"anchor":64,"custom":5357,"target":110,"linktype":111},"8d84dfa1-2b77-4c8d-839e-f2c06fd7f704",{},{"text":776,"type":68},{"type":53,"attrs":5360,"content":5361},{"textAlign":64},[5362],{"text":5363,"type":68},"‍En segundo lugar, el coste del tiempo. Nadie tiene que perder tiempo introduciendo o digitalizando la factura. Procesar una factura en papel puede llevar un total de media hora o más; en el caso de una factura electrónica, hablamos de minutos.",{"type":53,"attrs":5365,"content":5366},{"textAlign":64},[5367],{"text":5368,"type":68},"‍En tercer lugar, el dinero gastado es sin duda menor, porque son los propios sistemas de información los que envían las facturas de un sistema a otro, y, en sentido figurado, solo se gasta una pequeña cantidad en electricidad.",{"type":53,"attrs":5370,"content":5371},{"textAlign":64},[5372],{"text":5373,"type":68},"‍El Estado estonio se ha fijado como objetivo, en su plan de desarrollo económico en tiempo real, que a más tardar a finales de 2023 el uso de la factura electrónica también sea predominante en el sector privado. Y el sector privado tiene que aprender del Estado estonio y de las empresas escandinavas, donde la factura electrónica se utiliza ampliamente y puede recibirse en el sistema de información financiera de la empresa.",{"type":53,"attrs":5375,"content":5376},{"textAlign":64},[5377],{"text":155,"type":68},{"type":61,"attrs":5379,"content":5380},{"level":3339,"textAlign":64},[5381],{"text":5382,"type":68},"¿Qué traerá el futuro próximo?",{"type":53,"attrs":5384,"content":5385},{"textAlign":64},[5386,5388,5395],{"text":5387,"type":68},"‍Ya este otoño compartiremos novedades. Se está completando una plataforma todo en uno que ofrece una visión general de todas las facturas entrantes y salientes. Se puede configurar para adaptarse a las necesidades de su empresa y ayuda a reducir la carga administrativa: todas las facturas están en un solo lugar, digitalizadas, y se comparten con un ",{"text":5389,"type":68,"marks":5390},"asesor contable",[5391],{"type":105,"attrs":5392},{"href":5393,"uuid":64,"anchor":64,"custom":5394,"target":574,"linktype":19},"https://bibf.be/",{},{"text":5396,"type":68}," sin necesidad de plataformas de archivos. Próximamente se añadirán servicios de pago tanto para facturas de venta como de compra.",{"type":53,"attrs":5398,"content":5399},{"textAlign":64},[5400],{"text":155,"type":68},{"type":61,"attrs":5402,"content":5403},{"level":3339,"textAlign":64},[5404],{"text":5405,"type":68},"Volviendo al título: ¿por qué necesito una factura electrónica?",{"type":53,"attrs":5407,"content":5408},{"textAlign":64},[5409],{"text":5410,"type":68},"‍Si se envía por correo electrónico, ¡es una factura electrónica! Al fin y al cabo, a un empresario práctico no le importa en qué formato esté una factura. Quiere que le paguen por sus bienes o servicios lo antes posible, de forma eficiente y sin tener que preguntar al cliente si ya ha recibido la factura. Para poder hacer más trabajo, obtener más beneficio del tiempo y el dinero ahorrados, desarrollar el negocio y, a veces, poder irse antes a casa o dedicarse a una afición. Y en esa dirección avanzamos junto con el Estado estonio y los empresarios estonios.",{"type":53,"attrs":5412,"content":5413},{"textAlign":64},[5414],{"text":5415,"type":68},"‍Descubra cómo Banqup Group puede ayudarle con sus procesos de facturación electrónica.",{"type":53,"attrs":5417,"content":5418},{"textAlign":64},[5419,5425],{"text":5420,"type":68,"marks":5421},"Descubra nuestra solución de facturación electrónica",[5422],{"type":105,"attrs":5423},{"href":2473,"uuid":3541,"anchor":64,"custom":5424,"target":110,"linktype":111},{},{"text":776,"type":68},{"_uid":5427,"cards":5428,"buttons":5739,"heading":3996,"tagline":8,"component":1584,"background":48,"description":5740},"4712fbbb-ddce-4d2d-bfc7-55dcdd2b34d3",[5429,5430,5545],"9cc9ab5b-7278-452d-a9cc-0341b1df88eb",{"name":5431,"created_at":5432,"published_at":5433,"updated_at":5434,"id":5435,"uuid":4242,"content":5436,"slug":5527,"full_slug":5528,"sort_by_date":5529,"position":5530,"tag_list":5531,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":5532,"first_published_at":5533,"release_id":64,"lang":514,"path":64,"alternates":5534,"default_full_slug":5535,"translated_slugs":5536,"_stopResolving":55},"Banqup Group (former Unifiedpost Group) listed on Euronext Brussels","2025-09-16T07:25:14.055Z","2026-07-24T13:09:23.045Z","2026-08-24T09:18:15.395Z",91414175996449,{"seo":5437,"_uid":5441,"body":5442,"image":5512,"theme":8,"title":5431,"author":5516,"related":5517,"summary":5518,"category":5525,"component":2092,"createdOn":8,"description":5524,"relatedCountries":5526,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5438,"title":5439,"plugin":34,"description":5440},"c706b393-b79c-4b75-85d5-07575593ed86","We are Listed on Euronext Brussels | Blog - Banqup","On 22 September 2020 Banqup Group listed on the regulated market of Euronext Brussels. Discover the vital news here.","95f5c0d7-5ed7-4841-982b-d21270341464",[5443,5453,5503],{"_uid":5444,"align":8,"image":5445,"theme":48,"buttons":5449,"columns":647,"heading":5431,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":5450,"invertTextColor":55},"4a258989-46b4-415c-988d-c662529969b6",{"id":5446,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5447,"copyright":8,"fieldtype":15,"meta_data":5448,"is_external_url":17},94987287406373,"https://a.storyblok.com/f/318078/1925x510/479484a793/unifiedpost-group-listed-on-euronext-brussels.png",{},[],{"type":50,"content":5451},[5452],{"type":53},{"_uid":5454,"text":5455,"component":505,"background":48},"ef56ee58-bdea-4b0e-a1fb-0d6c98c5800d",{"type":50,"content":5456},[5457,5469,5474,5486,5498],{"type":53,"attrs":5458,"content":5459},{"textAlign":64},[5460,5462,5468],{"text":5461,"type":68},"On 22 September 2020 Banqup Group listed on the regulated market of ",{"text":5463,"type":68,"marks":5464},"Euronext Brussels",[5465],{"type":105,"attrs":5466},{"href":5467,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://live.euronext.com/en/product/equities/BE0974371032-XBRU",{"text":776,"type":68},{"type":53,"attrs":5470,"content":5471},{"textAlign":64},[5472],{"text":5473,"type":68},"Going public is an important milestone for Banqup Group’s future growth journey as an independent FinTech company.",{"type":53,"attrs":5475,"content":5476},{"textAlign":64},[5477,5479,5485],{"text":5478,"type":68},"‍Please see and hear all about it in ",{"text":5480,"type":68,"marks":5481},"this video",[5482],{"type":105,"attrs":5483},{"href":5484,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www.youtube.com/watch?v=dPZm_GxzA14",{"text":776,"type":68},{"type":53,"attrs":5487,"content":5488},{"textAlign":64},[5489,5491,5497],{"text":5490,"type":68},"‍For more information please visit ",{"text":5492,"type":68,"marks":5493},"Investor Relations",[5494],{"type":105,"attrs":5495},{"href":5496,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://investors.unifiedpostgroup.com",{"text":776,"type":68},{"type":53,"attrs":5499,"content":5500},{"textAlign":64},[5501],{"text":5502,"type":68},"‍Warning about future statements: The statements contained herein may contain forecasts, future expectations, opinions and other future-oriented statements concerning the expected further performance of Banqup Group on the markets in which it is active.  Such future-oriented statements are based on the current insights and assumptions of management concerning future events. They naturally include known and unknown risks, uncertainties and other factors, which seem justified at the time that the statements are made, but may possibly turn out to be inaccurate. The actual results, performance or events may differ essentially from the results, performance or events which are expressed or implied in such future-oriented statements. Except where required by the applicable legislation, Banqup Group shall assume no obligation to update, elucidate or improve future-oriented statements in this press release in the light of new information, future events or other elements and shall not be held liable on that account. 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electrónica.","edaf3177-9e93-4af6-8676-ca0cecea89e7",[6064,6075,6303],{"_uid":6065,"align":8,"image":6066,"theme":48,"buttons":6070,"columns":647,"heading":6071,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":6072,"invertTextColor":55},"fcbf1523-74c9-473f-90be-5e912fa49b3a",{"id":6067,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":6068,"copyright":8,"fieldtype":15,"meta_data":6069,"is_external_url":17},94986389493422,"https://a.storyblok.com/f/318078/1925x510/ad4fd6c7c7/what-is-gena.png",{},[],"¿Qué es GENA?",{"type":50,"content":6073},[6074],{"type":53},{"_uid":6076,"text":6077,"component":505,"background":48},"9927572b-388b-46ad-8c8c-c2ae064b1268",{"type":50,"content":6078},[6079,6091,6096,6108,6110,6114,6119,6124,6129,6134,6138,6143,6148,6153,6157,6162,6167,6172,6177,6181,6186,6191,6196,6201,6224,6228,6233,6247,6252,6257,6270,6275,6279,6284,6289,6294],{"type":53,"attrs":6080,"content":6081},{"textAlign":64},[6082,6084,6089],{"text":6083,"type":68},"GENA (Global Exchange Network Association, anteriormente EESPA) está formada por miembros y miembros asociados, entre ellos ",{"text":5170,"type":68,"marks":6085},[6086],{"type":105,"attrs":6087},{"href":3971,"uuid":1910,"anchor":64,"custom":6088,"target":110,"linktype":111},{},{"text":6090,"type":68},". Trabajando juntos, actuamos como organismo comercial en toda Europa y recientemente hemos ampliado nuestro alcance a escala global.",{"type":53,"attrs":6092,"content":6093},{"textAlign":64},[6094],{"text":6095,"type":68},"Fundada en 2011, GENA (Global Exchange Network Association) es una organización sin ánimo de lucro diseñada para desarrollar las mejores prácticas del sector y fomentar su influencia en el ámbito de las políticas públicas. GENA se creó inicialmente como EESPA (European E-invoicing Service Providers Association). La asociación pasó a llamarse GENA en octubre de 2023, cambiando de un enfoque de la UE a un enfoque global con capítulos regionales.",{"type":53,"attrs":6097,"content":6098},{"textAlign":64},[6099,6101,6106],{"text":6100,"type":68},"‍GENA ofrece oportunidades de creación de redes empresariales y externalización, además de servicios financieros, tecnológicos y de intercambio electrónico de datos (EDI). Con más de 100 miembros, el desarrollo y la eficiencia de la facturación electrónica (",{"text":3537,"type":68,"marks":6102},[6103],{"type":105,"attrs":6104},{"href":5295,"uuid":5296,"anchor":64,"custom":6105,"target":110,"linktype":111},{},{"text":6107,"type":68},") en Europa han avanzado considerablemente gracias a GENA. GENA registra un volumen total de facturas procesadas por sus miembros que supera los dos mil millones al año. De estos, al menos doscientos millones de transacciones se intercambian mediante servicios de interoperabilidad entre miembros.",{"type":53,"attrs":6109},{"textAlign":64},{"type":53,"attrs":6111,"content":6112},{"textAlign":64},[6113],{"text":155,"type":68},{"type":61,"attrs":6115,"content":6116},{"level":3339,"textAlign":64},[6117],{"text":6118,"type":68},"¿Cuál es el papel de GENA?",{"type":53,"attrs":6120,"content":6121},{"textAlign":64},[6122],{"text":6123,"type":68},"‍Las empresas que envían y reciben grandes volúmenes de facturas en todo el mundo ahorran tiempo y costes considerables si todas sus facturas están en un formato estandarizado y cumplen con la normativa fiscal de cada país. Esto permite un procesamiento eficiente.",{"type":53,"attrs":6125,"content":6126},{"textAlign":64},[6127],{"text":6128,"type":68},"‍La legislación internacional ayuda a las empresas con formatos de factura estandarizados que cumplen los requisitos fiscales y de procesamiento.",{"type":53,"attrs":6130,"content":6131},{"textAlign":64},[6132],{"text":6133,"type":68},"‍GENA es un organismo que debate, promueve y defiende los intereses de sus miembros. Esto garantiza que la legislación sobre facturación electrónica refleje las necesidades del sector. GENA también mantiene conversaciones activas con los profesionales del sector de la facturación electrónica para comprender sus problemas y ofrecer posibles soluciones y marcos de interoperabilidad. Su objetivo es crear un mercado no competitivo, en el que los miembros colaboren voluntariamente para desarrollar las mejores prácticas e influir en las políticas públicas.",{"type":53,"attrs":6135,"content":6136},{"textAlign":64},[6137],{"text":155,"type":68},{"type":61,"attrs":6139,"content":6140},{"level":3339,"textAlign":64},[6141],{"text":6142,"type":68},"La gobernanza y las divisiones de GENA",{"type":53,"attrs":6144,"content":6145},{"textAlign":64},[6146],{"text":6147,"type":68},"‍La gobernanza de GENA está formada por el presidente y el/los vicepresidente(s), el secretario general, el comité ejecutivo y diferentes grupos de trabajo. La asociación busca activamente comprender los intereses de sus miembros y elevar las exigencias del mercado.",{"type":53,"attrs":6149,"content":6150},{"textAlign":64},[6151],{"text":6152,"type":68},"‍Estos son los principales grupos de trabajo y sus funciones:",{"type":53,"attrs":6154,"content":6155},{"textAlign":64},[6156],{"text":155,"type":68},{"type":61,"attrs":6158,"content":6159},{"level":3339,"textAlign":64},[6160],{"text":6161,"type":68},"Grupo de trabajo de interoperabilidad",{"type":53,"attrs":6163,"content":6164},{"textAlign":64},[6165],{"text":6166,"type":68},"‍La interoperabilidad es la capacidad de los sistemas y el software para intercambiar y comprender información específica. Esto significa que, independientemente del formato, tanto vendedores como compradores pueden compartir facturas electrónicas igualmente comprensibles y conformes utilizando sus proveedores de servicios interoperables.",{"type":53,"attrs":6168,"content":6169},{"textAlign":64},[6170],{"text":6171,"type":68},"‍Para respaldar esto, el grupo de trabajo de interoperabilidad elabora propuestas detalladas para el desarrollo y mantenimiento de los marcos, acuerdos, componentes y herramientas de GENA.",{"type":53,"attrs":6173,"content":6174},{"textAlign":64},[6175],{"text":6176,"type":68},"‍El último estándar definido por GENA es EIN (GENA Interoperability Network).",{"type":53,"attrs":6178,"content":6179},{"textAlign":64},[6180],{"text":155,"type":68},{"type":61,"attrs":6182,"content":6183},{"level":3339,"textAlign":64},[6184],{"text":6185,"type":68},"Grupo de trabajo de políticas públicas y cumplimiento normativo",{"type":53,"attrs":6187,"content":6188},{"textAlign":64},[6189],{"text":6190,"type":68},"‍El grupo de trabajo de políticas públicas y cumplimiento normativo supervisa y garantiza el cumplimiento de la legislación y las políticas de facturación electrónica de las administraciones tributarias.",{"type":53,"attrs":6192,"content":6193},{"textAlign":64},[6194],{"text":6195,"type":68},"‍Participa activamente en foros de partes interesadas y colabora con responsables políticos y de toma de decisiones en materia de políticas públicas y cumplimiento normativo, con el objetivo de promover las mejores prácticas y las soluciones óptimas.",{"type":53,"attrs":6197,"content":6198},{"textAlign":64},[6199],{"text":6200,"type":68},"‍Además, el grupo lidera activamente la postura del sector en los debates políticos y contribuye a las políticas globales. Otros ámbitos de interés incluyen:",{"type":91,"content":6202},[6203,6210,6217],{"type":94,"content":6204},[6205],{"type":53,"attrs":6206,"content":6207},{"textAlign":64},[6208],{"text":6209,"type":68},"Controles de transacciones continuas (CTC); mantener informados a los miembros sobre las novedades en CTC y contribuir a mejores prácticas",{"type":94,"content":6211},[6212],{"type":53,"attrs":6213,"content":6214},{"textAlign":64},[6215],{"text":6216,"type":68},"Capacitación de pymes",{"type":94,"content":6218},[6219],{"type":53,"attrs":6220,"content":6221},{"textAlign":64},[6222],{"text":6223,"type":68},"Actualización del resumen de posiciones políticas",{"type":53,"attrs":6225,"content":6226},{"textAlign":64},[6227],{"text":155,"type":68},{"type":61,"attrs":6229,"content":6230},{"level":3339,"textAlign":64},[6231],{"text":6232,"type":68},"GENA y Peppol",{"type":53,"attrs":6234,"content":6235},{"textAlign":64},[6236,6238,6245],{"text":6237,"type":68},"‍Cabe destacar la relación entre GENA y ",{"text":3228,"type":68,"marks":6239},[6240],{"type":105,"attrs":6241},{"href":6242,"uuid":6243,"anchor":64,"custom":6244,"target":110,"linktype":111},"/es/resources/blog/que-es-peppol","491a1825-3c21-4ec0-8c66-063c98a3c8cf",{},{"text":6246,"type":68},", ya que ambas organizaciones influyen considerablemente en los procesos de facturación electrónica en todo el mundo.",{"type":53,"attrs":6248,"content":6249},{"textAlign":64},[6250],{"text":6251,"type":68},"‍Trabajando juntas, ambas organizaciones han creado conjuntamente el Global Interoperability Framework. Este marco ayuda a empresas, proveedores de servicios y gobiernos a intercambiar y automatizar fácilmente documentos e información de la cadena de suministro.",{"type":53,"attrs":6253,"content":6254},{"textAlign":64},[6255],{"text":6256,"type":68},"‍Al unir fuerzas, las organizaciones crean un caso de negocio sólido para ayudar a los gobiernos y a las administraciones tributarias a ver los beneficios que la interoperabilidad puede aportar a sus mercados locales. Ambas organizaciones comprenden la importancia de garantizar que los modelos de facturación electrónica y los procesos obligatorios de cumplimiento fiscal beneficien a todas las partes implicadas y de que dichos modelos respalden la transición hacia una cadena de suministro totalmente automatizada y digitalizada.",{"type":53,"attrs":6258,"content":6259},{"textAlign":64},[6260,6262,6268],{"text":6261,"type":68},"‍¿Qué están debatiendo actualmente ambas partes? El primer tema importante es el uso de una red común para transacciones B2B y B2G mediante la \"fusión\" del estándar EIN con el estándar Peppol (",{"text":6263,"type":68,"marks":6264},"más información disponible aquí",[6265],{"type":105,"attrs":6266},{"href":6267,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www.eespa.eu/news-events/news-item/2022/02/04/OpenPeppol-and-EESPA-join-forces-to-use-a-common-Interoperability-Framework",{"text":6269,"type":68},").",{"type":53,"attrs":6271,"content":6272},{"textAlign":64},[6273],{"text":6274,"type":68},"‍El segundo gran punto de debate es la promoción conjunta del modelo DCTCE para administraciones tributarias de todo el mundo. Para obtener más información sobre el modelo DCTCE, su significado, quién más participa y cómo influirá en las nuevas obligaciones de facturación electrónica, consulte nuestra explicación.",{"type":53,"attrs":6276,"content":6277},{"textAlign":64},[6278],{"text":155,"type":68},{"type":61,"attrs":6280,"content":6281},{"level":3339,"textAlign":64},[6282],{"text":6283,"type":68},"GENA y Banqup Group",{"type":53,"attrs":6285,"content":6286},{"textAlign":64},[6287],{"text":6288,"type":68},"‍Como miembro de pleno derecho de GENA, en Banqup Group trabajamos para mejorar nuestros servicios y oportunidades dentro del sector global de la facturación electrónica. Gracias a ello, podemos ofrecer un mejor servicio y soluciones sin fisuras a nuestros clientes. Servicios y soluciones que cumplen la normativa, reflejan la legislación vigente y las últimas tendencias del mercado.",{"type":53,"attrs":6290,"content":6291},{"textAlign":64},[6292],{"text":6293,"type":68},"‍Nuestra solución de facturación electrónica ofrece, en primer lugar, a las pymes una herramienta eficiente para crear, enviar y gestionar sus facturas electrónicas y sus procesos. Mientras que nuestros clientes medianos y grandes pueden beneficiarse de una conversión de documentos y datos rápida y eficiente, en múltiples formatos, cumpliendo con la normativa de facturación electrónica en más de 60 países.",{"type":53,"attrs":6295,"content":6296},{"textAlign":64},[6297],{"text":6298,"type":68,"marks":6299},"Descubrir la facturación electrónica",[6300],{"type":105,"attrs":6301},{"href":2473,"uuid":3541,"anchor":64,"custom":6302,"target":110,"linktype":111},{},{"_uid":6304,"cards":6305,"buttons":6307,"heading":3996,"tagline":8,"component":1584,"background":48,"description":6308},"1297bdee-f118-4cbc-9c82-9901c9b8708c",[6306,5185],"466bfd9f-3831-465a-adf7-a4f45e3744bb",[],{"type":50,"content":6309},[6310],{"type":53},{"id":6312,"alt":6071,"name":8,"focus":8,"title":6071,"source":8,"filename":6313,"copyright":8,"fieldtype":15,"meta_data":6314,"is_external_url":17},91147657609816,"https://a.storyblok.com/f/318078/1033x601/72239ddde6/6569fe0ee08082550ac7a91c_blog-what-is-gena_website.webp",{"alt":6051,"title":6051,"source":8,"copyright":8},[],[],{"type":50,"content":6318},[6319],{"type":53,"attrs":6320,"content":6321},{"textAlign":64},[6322],{"text":6323,"type":68},"GENA (anteriormente EESPA) está formada por miembros y miembros asociados. Trabajando juntos, actuamos como organismo comercial en toda Europa.",[2090,1597],[],"what-is-gena-","es/resources/blog/que-es-gena","2023-12-01",-1910,[],"2310cea8-eae1-481b-b1f5-9ba875af1651","2023-12-01T16:21:00.000Z",[],"resources/blog/what-is-gena-",[6336,6337,6338,6341],{"path":6334,"name":64,"lang":521,"published":64},{"path":6334,"name":64,"lang":523,"published":64},{"path":6339,"name":6340,"lang":527,"published":55},"informationen/blog/was-ist-gena","Was ist GENA?",{"path":6342,"name":6071,"lang":514,"published":55},"resources/blog/que-es-gena",{"name":6344,"created_at":6345,"published_at":6346,"updated_at":6347,"id":6348,"uuid":4243,"content":6349,"slug":6483,"full_slug":6484,"sort_by_date":6485,"position":6486,"tag_list":6487,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":6488,"first_published_at":6489,"release_id":64,"lang":514,"path":64,"alternates":6490,"default_full_slug":6491,"translated_slugs":6492,"_stopResolving":55},"Now is the time to accelerate the digital revolution","2025-09-15T13:42:49.788Z","2026-07-24T13:10:01.436Z","2026-08-24T09:18:16.826Z",91153079481395,{"seo":6350,"_uid":6354,"body":6355,"image":6468,"theme":8,"title":6344,"author":6472,"related":6473,"summary":6474,"category":6480,"component":2092,"createdOn":8,"description":6344,"relatedCountries":6481,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":6351,"title":6352,"plugin":34,"description":6353},"5d7154a2-314e-4b12-b164-96f8f0b3eff8","Accelerating the Digital Revolution | Blog - Banqup","Businesses are transitioning towards digital processes and are accelerating the digital revolution. Discover the reasons with Banqup Group.","d7e8126a-a339-41d0-abca-65fe0cd36046",[6356,6367,6459],{"_uid":6357,"align":8,"image":6358,"theme":48,"buttons":6362,"columns":647,"heading":6344,"padding":1386,"tagline":6363,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":6364,"invertTextColor":55},"fb46a9f8-63f6-4d2a-8734-93a749b476bd",{"id":6359,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":6360,"copyright":8,"fieldtype":15,"meta_data":6361,"is_external_url":17},94986617874128,"https://a.storyblok.com/f/318078/1925x510/37ee290e44/now-is-the-time-to-accelerate-the-digital-revolution.png",{},[],"Digital transformation",{"type":50,"content":6365},[6366],{"type":53},{"_uid":6368,"text":6369,"component":505,"background":48},"98703a4d-88ed-4f3f-9b12-bf0ca2925495",{"type":50,"content":6370},[6371,6376,6381,6392,6407,6412,6417,6422,6427,6432,6437,6442,6447,6452],{"type":53,"attrs":6372,"content":6373},{"textAlign":64},[6374],{"text":6375,"type":68},"Since the very start of the Covid-19 pandemic, millions of workers across the globe have made the transition to home working. This single shift has driven a forced digital revolution – and not just for business.",{"type":53,"attrs":6377,"content":6378},{"textAlign":64},[6379],{"text":6380,"type":68},"With this in mind, the old adage that necessity breeds invention has never been more true. It’s time now to drive digitalisation forward so that we can continue to reap its many benefits – from increased productivity and transparency to lower costs and carbon emissions - long after the crisis ends. We simply cannot go back to old ways of working – the wheels are now well in motion.",{"type":53,"attrs":6382,"content":6383},{"textAlign":64},[6384,6386,6390],{"text":6385,"type":68},"‍Communication platforms that allow people to work effectively from home have existed from some time. And, now, as workers and employers alike increasingly recognise the productivity, cost savings and wellbeing gains it can bring, it is likely that remote working will be very much part of the new normal. As Winston Churchill once said, \"",{"text":6387,"type":68,"marks":6388},"Never let a good crisis go to waste",[6389],{"type":3312},{"text":6391,"type":68},"\"; entrepreneurs are already exploring how this new working environment can create new opportunities. Estonia’s reputation as a digital pioneer has faded somewhat over recent years, and it’s time to reawaken this national trait: we are now on the cusp of fully automating our financial processes and purchase transactions and making private sector electronic invoicing the standard, just like in the public sector.",{"type":53,"attrs":6393,"content":6394},{"textAlign":64},[6395,6397,6405],{"text":6396,"type":68},"‍Sending sales invoices to customers via electronic channels increased by 3% in March compared to February, and by as much as 22% compared with 2019. Paper invoicing is sharply declining. In today’s socially distanced reality, people are afraid to physically handle paperwork, which means this growing demand for contactless invoicing will drive a more thorough and accelerated",{"text":6398,"type":68,"marks":6399}," digitalisation ",[6400],{"type":105,"attrs":6401},{"href":6402,"uuid":6403,"anchor":64,"custom":6404,"target":110,"linktype":111},"/es/resources/blog/diferencia-digitize-digitalize","8b424fdd-f429-4dc6-8689-df78186abf79",{},{"text":6406,"type":68},"of financial processes.",{"type":53,"attrs":6408,"content":6409},{"textAlign":64},[6410],{"text":6411,"type":68},"‍We’re already seeing this through the growing volumes of electronic invoices being processed in Estonia, which, at the same time, is cementing its position in the real-time economy. In fact, according to Billentis, a billing and invoicing research organisation, businesses issued 550 billion invoices across the world last year, of which just 10% were paperless. In Estonia, almost 90% of sales invoices are now issued digitally, which demonstrates our leadership on this front.",{"type":53,"attrs":6413,"content":6414},{"textAlign":64},[6415],{"text":6416,"type":68},"‍In our experience, real-time daily business transactions and operations save time, money and manpower. At present, the cost of general business accounting is estimated to be around 0.9% of Estonia’s GDP – a significant burden on company profitability. But, in the real-time economy, digitalisation increases productivity and export capacity, helping to drive growth. It also has a positive impact on the overall satisfaction across the business by replacing administrative labour with the exchange of high-quality data, freeing up time and skill for further innovation across the business.",{"type":53,"attrs":6418,"content":6419},{"textAlign":64},[6420],{"text":6421,"type":68},"‍We have been the Estonian State’s leading partner in managing the delivery and receipt of its sales invoices for three years now. The state's decision to accept only e-invoices has increased B2B e-invoicing between companies significantly, but there is still a long way to go before it reaches 100 per cent across the entire business community.",{"type":53,"attrs":6423,"content":6424},{"textAlign":64},[6425],{"text":6426,"type":68},"‍The case for e-invoicing is clear. Numerous expert studies have shown that automated e-invoice processing can reduce costs by between 60 and 80 per cent, while the European Commission's expert group on e-invoicing has estimated it could save up to €15 per invoice. Furthermore, with e-invoicing, you can pay faster, reduce human error, prevent fraud and improve cash flow across supply chains. In Europe, the average payment period is around 30 days, which, for many businesses, is too long. If e-invoicing becomes ubiquitous across the European Union, the economic savings may be as much as €2.3 billion, according to the Real Economy Action Plan.",{"type":53,"attrs":6428,"content":6429},{"textAlign":64},[6430],{"text":6431,"type":68},"‍So, what does the future hold? In May, Fitek will launch a new payment service that will enhance outgoing invoice processing by enabling the customer to pay immediately upon receipt. This is a crucial step forward for both companies and customer experience.",{"type":53,"attrs":6433,"content":6434},{"textAlign":64},[6435],{"text":6436,"type":68},"‍E-receipts are also expected in the coming years. This structured, standardised machine-readable document contains payment information in addition to e-invoice information. For example, when buying petrol, the paperless receipt is sent directly to the vendor, who then logs the sale to its business software. In Finland, it has been suggested that the transition to e-receipts could save around EUR 900 million a year. I dare say that in Estonia, the savings could be around a third of this. A standard for e-receipts is now  in development by the Estonian Association of Information Technology and Telecommunications in collaboration with the Banking Association, the Association of Estonian Accountants and a range of other organisations.",{"type":53,"attrs":6438,"content":6439},{"textAlign":64},[6440],{"text":6441,"type":68},"‍Leaders will of course be welcoming of cost savings, but they may be wary of potential downsides linked with digitalisation. But in my opinion, there aren’t any. Yes, it may reduce workload for some within the accounting industry, but as we handle increasing volumes of data, demand for deeper analysis will certainly keep the workforce busy.",{"type":53,"attrs":6443,"content":6444},{"textAlign":64},[6445],{"text":6446,"type":68},"‍We fully support the popularisation of e-invoicing currently being spearheaded by the state, and we believe financial support should be given to the companies that have taken their first steps towards embedding it their business. By offering support, businesses would be better placed to invest in e-invoicing systems. The transition could also be accelerated by following the example set by Finland which has now requires suppliers to issue e-invoices by law.",{"type":53,"attrs":6448,"content":6449},{"textAlign":64},[6450],{"text":6451,"type":68},"‍At Fitek, we’re optimistic about the benefits this digital revolution will bring to Estonian businesses. It could unlock growth, increase productivity, reduce emissions and free up time for innovation and business improvement – what’s not to like?",{"type":53,"attrs":6453,"content":6454},{"textAlign":64},[6455],{"text":6456,"type":68,"marks":6457},"Andrus Kaarelson - CEO Fitek AS, part of Banqup Group",[6458],{"type":71},{"_uid":6460,"cards":6461,"buttons":6464,"heading":1583,"tagline":8,"component":1584,"background":48,"description":6465},"d97d379b-4adb-41ee-bbbf-03210529f81e",[6056,4636,6462,6463],"6adf6dcb-8095-4d25-bd3a-88d7cdd360ef","8f4ca37b-ce47-4dda-ada5-f518d4efd107",[],{"type":50,"content":6466},[6467],{"type":53},{"id":6469,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":6470,"copyright":8,"fieldtype":15,"meta_data":6471,"is_external_url":17},91154771428741,"https://a.storyblok.com/f/318078/1032x600/3e795c854d/6448eb744e727121e55465dc_blog-now-is-the-time-to-accelerate-the-digital-revolution.jpg",{},[],[],{"type":50,"content":6475},[6476],{"type":53,"attrs":6477,"content":6478},{"textAlign":64},[6479],{"text":6344,"type":68},[2090,3207],[6482],"Estonia","now-is-the-time-to-accelerate-the-digital-revolution","es/resources/blog/acelerar-revolucion-digital","2020-05-13",-1930,[],"e62a9b34-3200-4249-8c5d-efed33b55317","2020-05-13T16:51:00.000Z",[],"resources/blog/now-is-the-time-to-accelerate-the-digital-revolution",[6493,6494,6495,6498],{"path":6491,"name":64,"lang":521,"published":64},{"path":6491,"name":64,"lang":523,"published":64},{"path":6496,"name":6497,"lang":527,"published":55},"informationen/blog/jetzt-ist-die-zeit-die-digitale-revolution-voranzutreiben","Jetzt ist die Zeit, die digitale Revolution voranzutreiben",{"path":6499,"name":6500,"lang":514,"published":55},"resources/blog/acelerar-revolucion-digital","Ahora es el momento de acelerar la revolución digital",[],{"type":50,"content":6503},[6504],{"type":53},{"id":6506,"alt":5777,"name":8,"focus":8,"title":5777,"source":8,"filename":6507,"copyright":8,"fieldtype":15,"meta_data":6508,"is_external_url":17},91451563966217,"https://a.storyblok.com/f/318078/1032x600/9f7c2bb9c7/6448d5e75a1c6cc781cfbeec_blog-winner-data-news-award-for-excellence.jpg",{"alt":5777,"title":5777,"source":8,"copyright":8},[],[],{"type":50,"content":6512},[6513],{"type":53,"attrs":6514,"content":6515},{"textAlign":64},[6516],{"text":6517,"type":68},"“Very thankful and proud of this great recognition for the intense growth path of our company and the hard work of everyone.” Hans Leybaert, former CEO of Banqup Group.",[1597,1598],[2096],"winner-data-news-award-for-excellence-belgian-scaleup-of-the-year-","es/resources/blog/data-news-award-belgian-scaleup-year","2021-09-23",-2050,[],"e5dcc633-3db3-476e-9c55-1d896bd86fa3","2021-09-23T12:57:00.000Z",[],"resources/blog/winner-data-news-award-for-excellence-belgian-scaleup-of-the-year-",[6530,6531,6532,6535],{"path":6528,"name":64,"lang":521,"published":64},{"path":6528,"name":64,"lang":523,"published":64},{"path":6533,"name":6534,"lang":527,"published":55},"informationen/blog/gewinner-des-data-news-award-for-excellence-belgisches-scale-up-des-jahres-","Gewinner des Data News Award for Excellence – Belgisches Scale-up des Jahres!",{"path":6536,"name":6537,"lang":514,"published":55},"resources/blog/data-news-award-belgian-scaleup-year","Ganadores del Data News Award for Excellence - ¡Belgian Scaleup of the Year!",{"name":6539,"created_at":6540,"published_at":6541,"updated_at":6542,"id":6543,"uuid":6544,"content":6545,"slug":7507,"full_slug":7508,"sort_by_date":7509,"position":7510,"tag_list":7511,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":7512,"first_published_at":7513,"release_id":64,"lang":514,"path":64,"alternates":7514,"default_full_slug":7515,"translated_slugs":7516,"_stopResolving":55},"Banqup Group raised €20,000 for WWF","2025-09-16T10:04:39.259Z","2026-07-24T13:07:20.441Z","2026-08-24T09:18:11.877Z",91453355069815,"6d82ddfd-b3c9-4c0d-b75e-a2db5b157db9",{"seo":6546,"_uid":6550,"body":6551,"image":7492,"theme":8,"title":6559,"author":7496,"related":7497,"summary":7498,"category":7505,"component":2092,"createdOn":8,"description":7504,"relatedCountries":7506,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":6547,"title":6548,"plugin":34,"description":6549},"10fbe053-a9f8-43ae-9cd3-158e46ea22c0","€20,000 for WWF | Blog - Banqup","At Banqup Group, we completed our walking challenge and pledged to donate EUR 20,000 to WWF. Read about our adventure here.","5cfecd92-5937-40e4-8057-e1c75a692864",[6552,6563,6682],{"_uid":6553,"align":8,"image":6554,"theme":48,"buttons":6558,"columns":647,"heading":6559,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":6560,"invertTextColor":55},"f0006ab1-62ed-4b14-a27e-136b9ffe31bd",{"id":6555,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":6556,"copyright":8,"fieldtype":15,"meta_data":6557,"is_external_url":17},94995136215815,"https://a.storyblok.com/f/318078/1925x510/ad064a0e4e/unifiedpost-group-raised-20-000-for-wwf.png",{},[],"Banqup Group (former Unifiedpost Group) raised €20,000 for WWF",{"type":50,"content":6561},[6562],{"type":53},{"_uid":6564,"text":6565,"component":505,"background":48},"95c2f864-2042-4642-bfc3-4086f1135595",{"type":50,"content":6566},[6567,6572,6577,6582,6594,6598,6602,6607,6612,6617,6622,6627,6643,6647,6652,6657,6668,6672,6677],{"type":53,"attrs":6568,"content":6569},{"textAlign":64},[6570],{"text":6571,"type":68},"As an employer, we encountered quite some new challenges last year. Not only were people working from home due to COVID, Banqup also doubled her staff to more than 1,300 FTE, so we welcomed (virtually) a lot of new people into our organisation.",{"type":53,"attrs":6573,"content":6574},{"textAlign":64},[6575],{"text":6576,"type":68},"‍As we want to maximise the impact we have with Banqup Group on our human capital and the social environment we live in, management decided to pose a challenge to all employees.",{"type":53,"attrs":6578,"content":6579},{"textAlign":64},[6580],{"text":6581,"type":68},"The aim was to motivate our employees to be active (to sport, to go outside …) for improving their mental health, to do something good for the environment and the climate, and to unite the newly merged employees into \"One Banqup\". What better way to link this to a united goal across all countries.",{"type":53,"attrs":6583,"content":6584},{"textAlign":64},[6585,6587,6592],{"text":6586,"type":68},"‍Our employees, who work in 30 different countries all over the world, completed the challenge together: to walk around the world once, the entire 40,000 km. We reached this goal in three months. Therefore ",{"text":5170,"type":68,"marks":6588},[6589],{"type":105,"attrs":6590},{"href":3971,"uuid":1910,"anchor":64,"custom":6591,"target":110,"linktype":111},{},{"text":6593,"type":68}," decided to donate € 20,000 to WWF.",{"type":53,"attrs":6595,"content":6596},{"textAlign":64},[6597],{"text":155,"type":68},{"type":53,"attrs":6599,"content":6600},{"textAlign":64},[6601],{"text":155,"type":68},{"type":61,"attrs":6603,"content":6604},{"level":3339,"textAlign":64},[6605],{"text":6606,"type":68},"Support WWF’s mission for a better, greener and healthier world",{"type":53,"attrs":6608,"content":6609},{"textAlign":64},[6610],{"text":6611,"type":68},"‍Next to the social impact of Banqup Group, it is also in our DNA - and core business - to care about the environment and its protection and preservation.",{"type":53,"attrs":6613,"content":6614},{"textAlign":64},[6615],{"text":6616,"type":68},"‍WWF focuses on conserving nature and reducing the most pressing threats to the diversity of life on Earth. This includes projects within climate (a zero-carbon world, freshwater, wildlife, forests, oceans) and supports sustainable food systems to feed humanity.",{"type":53,"attrs":6618,"content":6619},{"textAlign":64},[6620],{"text":6621,"type":68},"‍Attention for People and Planet, not only Profit.",{"type":53,"attrs":6623,"content":6624},{"textAlign":64},[6625],{"text":6626,"type":68},"‍With our donation, we have supported two specific projects:",{"type":91,"content":6628},[6629,6636],{"type":94,"content":6630},[6631],{"type":53,"attrs":6632,"content":6633},{"textAlign":64},[6634],{"text":6635,"type":68},"Protect the tiger habitat across the borders of Thailand and Myanmar",{"type":94,"content":6637},[6638],{"type":53,"attrs":6639,"content":6640},{"textAlign":64},[6641],{"text":6642,"type":68},"The green heart of Europe",{"type":53,"attrs":6644,"content":6645},{"textAlign":64},[6646],{"text":155,"type":68},{"type":61,"attrs":6648,"content":6649},{"level":3339,"textAlign":64},[6650],{"text":6651,"type":68},"Walk around the world",{"type":53,"attrs":6653,"content":6654},{"textAlign":64},[6655],{"text":6656,"type":68},"‍You could say that this was a very sporty goal and not everyone likes to do sports. But there was a wide range of activities available so there was something for everyone. Each participant could set an individual goal to motivate themselves in achieving this goal.",{"type":53,"attrs":6658,"content":6659},{"textAlign":64},[6660,6662,6666],{"text":6661,"type":68},"‍Whether jogging, meditating or mowing the lawn - with every meter ran or swam, with every second spent gardening, exercising or doing yoga, our employees collected money together for WWF and made their contribution to reaching the overall goal. The motto of the challenge was \"",{"text":6663,"type":68,"marks":6664},"Mens sana in corpore sano: take care of your physical and mental health",[6665],{"type":3312},{"text":6667,"type":68},"\".",{"type":53,"attrs":6669,"content":6670},{"textAlign":64},[6671],{"text":155,"type":68},{"type":61,"attrs":6673,"content":6674},{"level":3339,"textAlign":64},[6675],{"text":6676,"type":68},"Encouraging colleagues",{"type":53,"attrs":6678,"content":6679},{"textAlign":64},[6680],{"text":6681,"type":68},"‍In addition to the sporting challenges, it was also important for us that the fun was not neglected and that we could motivate each other as a team. For this reason, we used an app where we not only entered our (daily) progress but also could upload and share pictures: kayaking in Lithuania, golfing in Singapore, jogging on the beach in Estonia, bike riding in Belgium, hiking in Romania or gardening at home. Everyone networked with each other and got an insight into how we all were 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This permission is valid from the 1st of January 1st 2025, to the 31st of December 31st 2027.",{"type":53,"attrs":7570,"content":7571},{"textAlign":64},[7572,7574,7581],{"text":7573,"type":68},"‍Germany's proposed plan aligns with the requirements of the VAT rules for the digital age (",{"text":3213,"type":68,"marks":7575},[7576],{"type":105,"attrs":7577},{"href":7578,"uuid":7579,"anchor":64,"custom":7580,"target":110,"linktype":111},"/es/resources/blog/actualizacion-iva-era-digital-vida","ed7d3736-1d7a-4a44-82eb-fefad9edfd6a",{},{"text":7582,"type":68},"), specifically Articles 218 and 232 of the Directive. This derogation will remain in effect until either the 31st of December 31st 2027, or until Member States are obligated to adopt new national provisions based on a directive that changes the VAT rules for the digital age.",{"type":53,"attrs":7584,"content":7585},{"textAlign":64},[7586],{"text":155,"type":68},{"type":61,"attrs":7588,"content":7589},{"level":3339,"textAlign":64},[7590],{"text":7591,"type":68},"What is VAT in the Digital Age?",{"type":53,"attrs":7593,"content":7594},{"textAlign":64},[7595],{"text":7596,"type":68},"‍VAT in the Digital Age is the European Commission’s new directive mandating intra-community electronic invoicing and B2B digital reporting by 2028 for all European Member States.",{"type":53,"attrs":7598,"content":7599},{"textAlign":64},[7600],{"text":155,"type":68},{"type":53,"attrs":7602,"content":7603},{"textAlign":64},[7604],{"text":7605,"type":68},"Announced in December 2022, the European Commission’s directive aims to recover billions of lost VAT from fraudulent invoices, and therefore fraudulent VAT claims.",{"type":53,"attrs":7607,"content":7608},{"textAlign":64},[7609],{"text":7610,"type":68},"‍Mandating intra-community e-invoicing and B2B digital reporting forces member states to create and implement a system that allows e-invoicing and digital reporting to take place. As these systems will come into place many member states, just like Germany, will be encouraged to go one step further and mandate all B2B sales within their country in hope to recover even more VAT and to also further digitalise their economy.",{"type":53,"attrs":7612,"content":7613},{"textAlign":64},[7614],{"text":155,"type":68},{"type":53,"attrs":7616,"content":7617},{"textAlign":64},[7618,7620,7625],{"text":7619,"type":68},"Learn even more about VAT in the Digital Age via our ",{"text":1666,"type":68,"marks":7621},[7622],{"type":105,"attrs":7623},{"href":7578,"uuid":7579,"anchor":64,"custom":7624,"target":110,"linktype":111},{},{"text":776,"type":68},{"type":53,"attrs":7627,"content":7628},{"textAlign":64},[7629],{"text":155,"type":68},{"type":61,"attrs":7631,"content":7632},{"level":3339,"textAlign":64},[7633],{"text":7634,"type":68},"Germany’s response in detail",{"type":53,"attrs":7636,"content":7637},{"textAlign":64},[7638],{"text":7639,"type":68},"‍Last week, the BMF distributed a proposal for discussion to selected German associations, inviting them to comment on their planned law changes.",{"type":53,"attrs":7641,"content":7642},{"textAlign":64},[7643],{"text":7644,"type":68},"‍As of now, the proposition introduces compulsory e-invoicing for B2B sales within the country by the 1st of January 2025, although it is expected to be introduced via a phased roll-out. There are a few proposed approaches:",{"type":91,"content":7646},[7647,7654,7661],{"type":94,"content":7648},[7649],{"type":53,"attrs":7650,"content":7651},{"textAlign":64},[7652],{"text":7653,"type":68},"Roll-out based on company size.",{"type":94,"content":7655},[7656],{"type":53,"attrs":7657,"content":7658},{"textAlign":64},[7659],{"text":7660,"type":68},"The use of e-invoices could be enforced based on the invoice amount. Initially, the obligation may only apply above a specific threshold which could gradually decrease over time (e.g., 50,000 euros in the first year, 30,000 euros in the second year, and eliminated by the third year).",{"type":94,"content":7662},[7663],{"type":53,"attrs":7664,"content":7665},{"textAlign":64},[7666],{"text":7667,"type":68},"Receipt of an e-invoice could be mandatory for all businesses from the first day of the mandate. Small and medium-sized enterprises would only be obliged to issue e-invoices at a later stage.",{"type":53,"attrs":7669,"content":7670},{"textAlign":64},[7671],{"text":7672,"type":68},"‍As outlined above, under the current ViDA proposal transaction-based reporting for intra-community B2B sales will be mandatory and recapitulative statements will be discontinued as of the 1st of January 2028. Germany aims to develop a unified electronic system for transaction-related reporting that minimises the burden for both national and cross-border B2B sales. The ongoing EU-level discussions are taken under consideration in the national design of the reporting system, and technical requirements from these discussions are incorporated in the consultations.",{"type":53,"attrs":7674,"content":7675},{"textAlign":64},[7676],{"text":7677,"type":68},"‍It is important to note that Germany is in favour of the Decentralised CTC Exchange (DCTCE) model. The DCTCE model is a combined effort of key e-invoicing stakeholders around the globe who seek for 100% interoperability and full business automation. The new model will provide business automation, while still allowing the tax authority to obtain the VAT information they need.",{"type":53,"attrs":7679,"content":7680},{"textAlign":64},[7681],{"text":155,"type":68},{"type":61,"attrs":7683,"content":7684},{"level":3339,"textAlign":64},[7685],{"text":4912,"type":68},{"type":53,"attrs":7687,"content":7688},{"textAlign":64},[7689],{"text":7690,"type":68},"‍Receive updates from around the globe about new regulations, new businesses in scope and also electronic invoicing format and directive changes.",{"_uid":7692,"cards":7693,"buttons":9035,"heading":1583,"tagline":8,"component":1584,"background":48,"description":9036},"39ba252f-93d1-41b8-bad6-3518cd78a25d",[7694,8521,8722],{"name":7695,"created_at":7696,"published_at":7697,"updated_at":7698,"id":7699,"uuid":7700,"content":7701,"slug":8502,"full_slug":8503,"sort_by_date":8504,"position":8505,"tag_list":8506,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":8507,"first_published_at":8508,"release_id":64,"lang":514,"path":64,"alternates":8509,"default_full_slug":8510,"translated_slugs":8511,"_stopResolving":55},"Germany’s B2B electronic invoicing law approved","2025-09-08T11:00:41.504Z","2026-09-15T08:36:40.191Z","2026-09-15T08:36:40.254Z",88635971633910,"4d14fcb9-6491-4bac-ac9d-55bea0b88ff2",{"seo":7702,"_uid":7706,"body":7707,"image":8441,"theme":8,"title":7715,"author":8445,"related":8447,"summary":8448,"category":8499,"component":2092,"createdOn":8,"description":8500,"relatedCountries":8501,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":7703,"title":7704,"plugin":34,"description":7705},"a8e44859-55ed-4d77-8dcd-7227836b9876","Novedades sobre la facturación electrónica B2B en Alemania | Banqup","Cumpla con la obligación de facturación electrónica B2B en Alemania. Conozca la Growth Opportunities Act, las normas EN 16931 y el nuevo identificador GEBA para Peppol.","e262d276-fa0d-4028-81a6-7c521a469743",[7708,7719,8427,8430],{"_uid":7709,"align":8,"image":7710,"theme":8,"buttons":7714,"columns":8,"heading":7715,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":7716,"invertTextColor":55},"72ee3085-a709-448d-9618-509be8e029de",{"id":7711,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":7712,"copyright":8,"fieldtype":15,"meta_data":7713,"is_external_url":17},94974092373762,"https://a.storyblok.com/f/318078/1925x510/b8edfdd1ab/germany-s-b2b-electronic-invoicing-law-approved.png",{},[],"Aprobada la ley de facturación electrónica B2B en Alemania",{"type":50,"content":7717},[7718],{"type":53},{"_uid":7720,"text":7721,"theme":8,"component":505,"background":48},"d22726c6-6f8f-4b94-b3e6-8804fd2d6fbb",{"type":50,"content":7722},[7723,7730,7738,7755,7772,7777,7784,7791,7796,7812,7839,7849,7856,7861,7907,7912,7917,7978,7985,7990,8011,8016,8050,8073,8081,8086,8099,8107,8264,8269,8276,8281,8286,8301,8306,8322,8327,8394,8399,8406],{"type":53,"attrs":7724,"content":7725},{"textAlign":64},[7726],{"text":7727,"type":68,"marks":7728},"Este artículo se actualizó por última vez el 21 de julio de 2026 para incorporar las últimas directrices del BMF/BMJV y la hoja de ruta estratégica de aplicación.",[7729],{"type":71},{"type":61,"attrs":7731,"content":7733},{"level":693,"textAlign":7732},"justify",[7734],{"text":7735,"type":68,"marks":7736},"La Growth Opportunities Act",[7737],{"type":71},{"type":53,"attrs":7739,"content":7740},{"textAlign":7732},[7741,7743,7747,7749,7753],{"text":7742,"type":68},"El ",{"text":7744,"type":68,"marks":7745},"17 de noviembre de 2023",[7746],{"type":71},{"text":7748,"type":68},", la Growth Opportunities Act (",{"text":7750,"type":68,"marks":7751},"Wachstumschancengesetz",[7752],{"type":3312},{"text":7754,"type":68},"), que incluye la normativa obligatoria de facturación electrónica entre empresas (B2B), fue aprobada por el Bundestag alemán. La ley sufrió varias modificaciones respecto a la versión presentada inicialmente.",{"type":53,"attrs":7756,"content":7757},{"textAlign":7732},[7758,7760,7764,7766,7770],{"text":7759,"type":68},"En su sesión del ",{"text":7761,"type":68,"marks":7762},"21 de febrero de 2024",[7763],{"type":71},{"text":7765,"type":68},", el Comité de Mediación alemán revisó de nuevo la Growth Opportunities Act. La obligación de facturación electrónica B2B se mantuvo prácticamente sin cambios, y los plazos anteriores siguieron siendo válidos. Llegaron buenas noticias el ",{"text":7767,"type":68,"marks":7768},"22 de marzo de 2024",[7769],{"type":71},{"text":7771,"type":68},", cuando el Bundesrat aprobó la Growth Opportunities Act por una clara mayoría.",{"type":53,"attrs":7773,"content":7774},{"textAlign":7732},[7775],{"text":7776,"type":68},"Esta aprobación final consolida la obligación de facturación electrónica B2B y garantiza su implementación conforme a los plazos previamente establecidos.",{"type":61,"attrs":7778,"content":7779},{"level":693,"textAlign":7732},[7780],{"text":7781,"type":68,"marks":7782},"Últimas propuestas de Alemania sobre el IVA y la facturación electrónica",[7783],{"type":71},{"type":61,"attrs":7785,"content":7786},{"level":3339,"textAlign":7732},[7787],{"text":7788,"type":68,"marks":7789},"Definición actual de factura electrónica",[7790],{"type":71},{"type":53,"attrs":7792,"content":7793},{"textAlign":7732},[7794],{"text":7795,"type":68},"Las recientes decisiones legislativas han confirmado la definición de factura electrónica y la clasificación de las facturas en papel dentro de la normativa obligatoria de facturación electrónica.",{"type":53,"attrs":7797,"content":7798},{"textAlign":7732},[7799,7801,7805,7807,7811],{"text":7800,"type":68},"La normativa alemana de facturación electrónica para transacciones B2B está en vigor desde el 1 de enero de 2025, aunque un período de transición que utiliza las denominadas «",{"text":7802,"type":68,"marks":7803},"Übergangsregelungen",[7804],{"type":3312},{"text":7806,"type":68},"» (normas transitorias) permite seguir utilizando facturas en papel y facturas electrónicas «no conformes» (con el consentimiento del destinatario) hasta el ",{"text":7808,"type":68,"marks":7809},"31 de diciembre de 2026",[7810],{"type":71},{"text":776,"type":68},{"type":53,"attrs":7813,"content":7814},{"textAlign":7732},[7815,7817,7825,7827,7831,7833,7837],{"text":7816,"type":68},"No obstante el período de normas transitorias, una factura electrónica (E-Rechnung) debe emitirse, transmitirse y recibirse en un formato electrónico estructurado que permita el procesamiento automático y la extracción correcta de los datos relevantes a efectos del IVA conforme a ",{"text":7818,"type":68,"marks":7819},"EN 16931",[7820],{"type":105,"attrs":7821},{"href":7822,"uuid":7823,"anchor":64,"custom":7824,"target":110,"linktype":111},"/es/resources/blog/norma-facturacion-electronica-en","4bf0c0d2-1fdf-431e-9cd3-9035c390c4e4",{},{"text":7826,"type":68}," (u otro formato estructurado acordado mutuamente). Esto incluye formatos como ",{"text":7828,"type":68,"marks":7829},"XRechnung",[7830],{"type":71},{"text":7832,"type":68}," (el estándar oficial alemán, desarrollado originalmente para B2G) y ",{"text":7834,"type":68,"marks":7835},"ZUGFeRD",[7836],{"type":71},{"text":7838,"type":68}," (un formato híbrido muy utilizado, cuando está alineado con EN 16931 a partir de la versión 2.0). Puede obtener más información sobre estos formatos aquí.",{"type":53,"attrs":7840,"content":7841},{"textAlign":7732},[7842,7844,7848],{"text":7843,"type":68},"Los simples documentos PDF o las facturas en papel ya no se considerarán facturas electrónicas y se clasificarán como «otras facturas» ",{"text":7845,"type":68,"marks":7846},"(sonstige Rechnungen)",[7847],{"type":3312},{"text":776,"type":68},{"type":61,"attrs":7850,"content":7851},{"level":3339,"textAlign":7732},[7852],{"text":7853,"type":68,"marks":7854},"Nuevas fechas y procedimientos obligatorios de facturación electrónica",[7855],{"type":71},{"type":53,"attrs":7857,"content":7858},{"textAlign":7732},[7859],{"text":7860,"type":68},"Las siguientes fechas y procedimientos obligatorios se aplican a todos los escenarios de facturación entre empresas (B2B):",{"type":91,"content":7862},[7863,7874,7885,7896],{"type":94,"content":7864},[7865],{"type":53,"attrs":7866,"content":7867},{"textAlign":7732},[7868,7872],{"text":7869,"type":68,"marks":7870},"Desde el 1 de enero de 2025: ",[7871],{"type":71},{"text":7873,"type":68},"Todas las empresas nacionales B2B deben poder recibir facturas electrónicas estructuradas conformes con EN 16931. Ya no se requiere el consentimiento del comprador para enviar facturas electrónicas, siempre que la factura se emita en formato estructurado.",{"type":94,"content":7875},[7876],{"type":53,"attrs":7877,"content":7878},{"textAlign":7732},[7879,7883],{"text":7880,"type":68,"marks":7881},"Hasta el 31 de diciembre de 2026: ",[7882],{"type":71},{"text":7884,"type":68},"Las facturas en papel y las facturas electrónicas en formatos que no cumplen con EN16931 siguen estando permitidas, pero solo pueden enviarse con el consentimiento del destinatario.",{"type":94,"content":7886},[7887],{"type":53,"attrs":7888,"content":7889},{"textAlign":7732},[7890,7894],{"text":7891,"type":68,"marks":7892},"Desde el 1 de enero de 2027: ",[7893],{"type":71},{"text":7895,"type":68},"Obligación de emitir facturas electrónicas B2B para las empresas con una facturación del año anterior (2026) igual o superior a 800.000 EUR. Las empresas pueden seguir utilizando EDI. ",{"type":94,"content":7897},[7898],{"type":53,"attrs":7899,"content":7900},{"textAlign":7732},[7901,7905],{"text":7902,"type":68,"marks":7903},"Desde el 1 de enero de 2028:",[7904],{"type":71},{"text":7906,"type":68}," Obligación de emitir facturas electrónicas B2B para todas las empresas. El EDI sigue estando permitido, siempre que la información del IVA pueda extraerse conforme a EN16931.",{"type":61,"attrs":7908,"content":7909},{"level":3339,"textAlign":64},[7910],{"text":7911,"type":68},"Lista de verificación estratégica: hacia la facturación estructurada",{"type":53,"attrs":7913,"content":7914},{"textAlign":64},[7915],{"text":7916,"type":68},"A medida que se implanta la obligación B2B, las empresas deben tratar el cumplimiento normativo como un proyecto de infraestructura continuo, y no como un hecho puntual. Independientemente de si su empresa está sujeta a los requisitos de emisión de 2027 o de 2028, priorice las siguientes acciones para garantizar su cumplimiento fiscal:",{"type":91,"content":7918},[7919,7939,7950,7967],{"type":94,"content":7920},[7921],{"type":53,"attrs":7922,"content":7923},{"textAlign":64},[7924,7928,7930,7937],{"text":7925,"type":68,"marks":7926},"Audite sus datos maestros:",[7927],{"type":71},{"text":7929,"type":68}," La facturación electrónica estructurada (",{"text":7931,"type":68,"marks":7932},"XRechnung/ZUGFeRD",[7933],{"type":105,"attrs":7934},{"href":7935,"uuid":64,"anchor":64,"custom":7936,"target":110,"linktype":19},"https://www.banqup.com/resources/blog/beyond-the-basics-understanding-xrechnung-zugferd-and-the-dialects-of-european-e-invoicing",{},{"text":7938,"type":68},") requiere una precisión absoluta para el procesamiento automatizado. Asegúrese de que sus sistemas ERP estén depurados, en particular en lo relativo a los números de IVA, las direcciones de los clientes y los códigos de entidad estandarizados. Los datos inexactos son la causa más común de errores de validación y rechazos de facturas.",{"type":94,"content":7940},[7941],{"type":53,"attrs":7942,"content":7943},{"textAlign":64},[7944,7948],{"text":7945,"type":68,"marks":7946},"Ponga a prueba sus flujos de trabajo:",[7947],{"type":71},{"text":7949,"type":68}," No espere a la fecha obligatoria de emisión para empezar a enviar facturas estructuradas. Comience a emitirlas cuanto antes a sus socios más frecuentes para poner a prueba sus flujos de validación, transmisión y recepción mientras las normas transitorias aún ofrecen un margen de seguridad.",{"type":94,"content":7951},[7952],{"type":53,"attrs":7953,"content":7954},{"textAlign":64},[7955,7959,7961,7965],{"text":7956,"type":68,"marks":7957},"Revise las estrategias de archivo (GoBD): ",[7958],{"type":71},{"text":7960,"type":68},"El archivo digital debe estar preparado para el futuro en cuanto a almacenamiento a largo plazo, legibilidad por máquina y capacidad de auditoría. Dado que los debates normativos sobre posibles cambios en los períodos de conservación siguen en curso (consulte nuestra sección «",{"text":7962,"type":68,"marks":7963},"De cara al futuro",[7964],{"type":1439},{"text":7966,"type":68},"» más abajo), las empresas deben asegurarse de que sus sistemas estén diseñados para plazos de cumplimiento normativo prolongados. Si depende del almacenamiento manual de PDF, empiece ya a explorar soluciones de gestión documental (DMS) automatizadas y conformes con GoBD.",{"type":94,"content":7968},[7969],{"type":53,"attrs":7970,"content":7971},{"textAlign":64},[7972,7976],{"text":7973,"type":68,"marks":7974},"Coordínese con TI y los proveedores: ",[7975],{"type":71},{"text":7977,"type":68},"Confirme que su configuración específica de EDI o ERP es capaz de realizar la extracción conforme a EN 16931. Muchos sistemas heredados requieren parches específicos o actualizaciones de middleware para cumplir estos requisitos de datos; verificarlo con antelación evita cuellos de botella cuando llegue su plazo específico.",{"type":61,"attrs":7979,"content":7980},{"level":3339,"textAlign":7732},[7981],{"text":7982,"type":68,"marks":7983},"La situación del EDI",[7984],{"type":71},{"type":53,"attrs":7986,"content":7987},{"textAlign":7732},[7988],{"text":7989,"type":68},"Se ha aclarado la situación del EDI: el EDI sigue estando permitido para la facturación electrónica B2B siempre que el formato elegido permita la extracción correcta y completa de los datos relevantes a efectos del IVA conforme a EN 16931 (u otro formato estructurado acordado mutuamente). No se requiere ninguna votación legislativa adicional.",{"type":53,"attrs":7991,"content":7992},{"textAlign":7732},[7993,7998,8002,8007],{"text":7994,"type":68,"marks":7995},"Nota para los usuarios de EDI: ",[7996,7997],{"type":71},{"type":3312},{"text":7999,"type":68,"marks":8000},"Aunque el EDI sigue siendo un método de transmisión permitido, no dé por hecho que su configuración actual cumple la normativa por defecto. El requisito fundamental es que el sistema debe permitir la ",[8001],{"type":3312},{"text":8003,"type":68,"marks":8004},"extracción correcta y completa de los datos relevantes a efectos del IVA",[8005,8006],{"type":71},{"type":3312},{"text":8008,"type":68,"marks":8009}," conforme a EN 16931. Hemos visto muchas empresas con conexiones EDI heredadas que, técnicamente, transmiten datos, pero que no superan las reglas de validación exigidas por la nueva obligación alemana. Valide de inmediato el mapeo específico de sus mensajes EDI con respecto a la norma EN 16931.",[8010],{"type":3312},{"type":61,"attrs":8012,"content":8013},{"level":3339,"textAlign":7732},[8014],{"text":8015,"type":68},"Orientación práctica y evolución técnica",{"type":53,"attrs":8017,"content":8018},{"textAlign":64},[8019,8021,8028,8030,8035,8037,8040,8048],{"text":8020,"type":68},"En marzo de 2026, la Cámara Federal Alemana de Asesores Fiscales (BStBK) publicó unas ",{"text":8022,"type":68,"marks":8023},"preguntas frecuentes actualizadas sobre facturación electrónica",[8024],{"type":105,"attrs":8025},{"href":8026,"uuid":64,"anchor":64,"custom":8027,"target":110,"linktype":19},"https://www.bstbk.de/downloads/bstbk/steuerrecht-und-rechnungslegung/fachinfos/BStBK_FAQ_E-Rechnung_final.pdf",{},{"text":8029,"type":68},", que ofrecen orientación práctica sobre las facturas electrónicas estructuradas conformes con ",{"text":7818,"type":68,"marks":8031},[8032],{"type":105,"attrs":8033},{"href":7822,"uuid":7823,"anchor":64,"custom":8034,"target":110,"linktype":111},{},{"text":8036,"type":68},", incluidos formatos como XRechnung y ZUGFeRD (versión 2.0 y posteriores). La orientación destaca los requisitos clave de validación, las comprobaciones de los datos relevantes a efectos del IVA y la integración en los flujos de trabajo contables. También hace hincapié en el archivo conforme al estándar alemán de conservación de registros digitales y auditoría (conocido como",{"text":1510,"type":68,"marks":8038},[8039],{"type":3312},{"text":8041,"type":68,"marks":8042},"GoBD",[8043,8047],{"type":105,"attrs":8044},{"href":8045,"uuid":64,"anchor":64,"custom":8046,"target":110,"linktype":19},"https://ao.bundesfinanzministerium.de/ao/2023/Anhaenge/BMF-Schreiben-und-gleichlautende-Laendererlasse/Anhang-64/inhalt.html",{},{"type":3312},{"text":8049,"type":68},"), que exige que los datos de las facturas estructuradas permanezcan inalterados, sean legibles por máquina y estén accesibles a efectos de auditoría.",{"type":53,"attrs":8051,"content":8052},{"textAlign":64},[8053,8055,8062,8064,8071],{"text":8054,"type":68},"Paralelamente, ",{"text":8056,"type":68,"marks":8057},"KoSIT",[8058],{"type":105,"attrs":8059},{"href":8060,"uuid":64,"anchor":64,"custom":8061,"target":110,"linktype":19},"https://e-rechnung-bund.de/en/faq/what-is-kosit/",{},{"text":8063,"type":68},", el organismo alemán de normalización responsable de XRechnung, ha presentado una hoja de ruta para XRechnung 4.0, que amplía el estándar más allá de su enfoque original en B2G para dar mejor soporte a los casos de uso B2B. La actualización incluye nuevos elementos de datos alineados con los Requisitos de Información Digital (DRR) previstos en ",{"text":3213,"type":68,"marks":8065},[8066],{"type":105,"attrs":8067},{"href":8068,"uuid":8069,"anchor":64,"custom":8070,"target":110,"linktype":111},"/es/resources/blog/iva-era-digital","90066922-30dc-4834-94b3-761622eb0982",{},{"text":8072,"type":68},", lo que refuerza el avance de Alemania hacia una notificación del IVA más automatizada y potencialmente en tiempo real.",{"type":53,"attrs":8074,"content":8075},{"textAlign":64},[8076],{"text":8077,"type":68,"marks":8078},"Estos avances técnicos, en particular la ampliación de estándares como XRechnung 4.0, están en línea con las señales más amplias de la política gubernamental, orientadas a vincular los datos de facturación estructurada con capacidades avanzadas de auditoría digital y análisis en un futuro próximo.",[8079],{"type":1404,"attrs":8080},{"color":1514},{"type":61,"attrs":8082,"content":8083},{"level":693,"textAlign":7732},[8084],{"text":8085,"type":68},"La German Electronic Business Address (GEBA) y Peppol",{"type":53,"attrs":8087,"content":8088},{"textAlign":64},[8089,8091,8098],{"text":8090,"type":68},"Aunque la obligación de que todas las empresas B2B reciban facturas electrónicas estructuradas conformes con EN 16931 está vigente desde el 1 de enero de 2025, Alemania ha creado una infraestructura adicional para simplificar considerablemente la gestión técnica del envío y la recepción: la ",{"text":8092,"type":68,"marks":8093},"German Electronic Business Address (GEBA)",[8094],{"type":105,"attrs":8095},{"href":8096,"uuid":64,"anchor":64,"custom":8097,"target":110,"linktype":19},"https://xeinkauf.de/app/uploads/2025/12/GEBA-Formatspezifikation-v1.0.1-2025.12.15.pdf",{},{"text":776,"type":68},{"type":53,"attrs":8100,"content":8101},{"textAlign":64},[8102],{"type":2524,"attrs":8103},{"id":8104,"alt":8,"src":8105,"title":8,"source":8,"copyright":8,"meta_data":8106},154156097751308,"https://a.storyblok.com/f/318078/812x291/ba9ca349d5/mandatory-and-optional-components-of-a-geba.png",{},{"type":91,"content":8108},[8109,8153,8182,8193,8227],{"type":94,"content":8110},[8111],{"type":53,"attrs":8112,"content":8113},{"textAlign":64},[8114,8118,8120,8128,8130,8134,8136,8145,8147,8151],{"text":8115,"type":68,"marks":8116},"Fundamento",[8117],{"type":71},{"text":8119,"type":68},": GEBA es un identificador electrónico estandarizado para las empresas y sus subunidades dentro de la ",{"text":8121,"type":68,"marks":8122},"red Peppol",[8123],{"type":105,"attrs":8124},{"href":8125,"uuid":8126,"anchor":64,"custom":8127,"target":110,"linktype":111},"/es/resources/blog/guia-completa-peppol-facturacion-electronica","be735462-6d2b-46cf-a2fb-72f11c9ad033",{},{"text":8129,"type":68},", basado en el ",{"text":8131,"type":68,"marks":8132},"número de identificación empresarial",[8133],{"type":71},{"text":8135,"type":68}," (",{"text":8137,"type":68,"marks":8138},"Wirtschafts-Identifikationsnummer",[8139,8143,8144],{"type":105,"attrs":8140},{"href":8141,"uuid":64,"anchor":64,"custom":8142,"target":110,"linktype":19},"https://verwaltung.bund.de/leistungsverzeichnis/en/leistung/99102049101000",{},{"type":71},{"type":3312},{"text":8146,"type":68},", ",{"text":8148,"type":68,"marks":8149},"o, abreviado, W-IdNr",[8150],{"type":71},{"text":8152,"type":68},"), que el Servicio Central Federal de Impuestos (BZSt) emite desde finales de 2024. Para las empresas con número de IVA, el W-IdNr es idéntico.",{"type":94,"content":8154},[8155],{"type":53,"attrs":8156,"content":8157},{"textAlign":64},[8158,8162,8164,8168,8170,8174,8176,8180],{"text":8159,"type":68,"marks":8160},"Estructura",[8161],{"type":71},{"text":8163,"type":68},": Una dirección GEBA puede contener hasta tres componentes, lo que permite un enrutamiento preciso dentro de organizaciones complejas: el ",{"text":8165,"type":68,"marks":8166},"Core W-IdNr",[8167],{"type":71},{"text":8169,"type":68}," (obligatorio), un ",{"text":8171,"type":68,"marks":8172},"Distinguishing Feature",[8173],{"type":71},{"text":8175,"type":68}," opcional (para diferentes sedes comerciales), y un sufijo de ",{"text":8177,"type":68,"marks":8178},"Sub-addressing",[8179],{"type":71},{"text":8181,"type":68}," opcional (para departamentos internos como Compras o Contabilidad).",{"type":94,"content":8183},[8184],{"type":53,"attrs":8185,"content":8186},{"textAlign":64},[8187,8191],{"text":8188,"type":68,"marks":8189},"Enrutamiento",[8190],{"type":71},{"text":8192,"type":68},": Permite representar con precisión estructuras internas complejas de la empresa en la red Peppol, mejorando el enrutamiento de las facturas electrónicas al departamento correcto (por ejemplo, compras o contabilidad).",{"type":94,"content":8194},[8195],{"type":53,"attrs":8196,"content":8197},{"textAlign":64},[8198,8201,8203,8207,8209,8216,8218,8226],{"text":3002,"type":68,"marks":8199},[8200],{"type":71},{"text":8202,"type":68},": El uso de GEBA es ",{"text":8204,"type":68,"marks":8205},"totalmente voluntario",[8206],{"type":71},{"text":8208,"type":68}," y actúa como una capa de infraestructura para mejorar el enrutamiento de documentos y la interoperabilidad, no como un nuevo obstáculo burocrático. Coexiste con otros sistemas de direccionamiento como ",{"text":8210,"type":68,"marks":8211},"GLN ",[8212],{"type":105,"attrs":8213},{"href":8214,"uuid":64,"anchor":64,"custom":8215,"target":110,"linktype":19},"https://www.banqup.com/es-es/resources/blog/blog-peppol-id",{},{"text":8217,"type":68},"o ",{"text":8219,"type":68,"marks":8220},"Leitweg-ID",[8221],{"type":105,"attrs":8222},{"href":8223,"uuid":8224,"anchor":64,"custom":8225,"target":110,"linktype":111},"/es/resources/blog/facturacion-b2g-alemania-guia-3-5-leitweg-id","86e29d76-179f-49f0-bb98-940e0f91e1ae",{},{"text":776,"type":68},{"type":94,"content":8228},[8229],{"type":53,"attrs":8230,"content":8231},{"textAlign":64},[8232,8236,8238,8244,8246,8253,8255,8262],{"text":8233,"type":68,"marks":8234},"Integración técnica",[8235],{"type":71},{"text":8237,"type":68},": GEBA está registrado para Peppol bajo el esquema de identificación internacional ISO/IEC 6523 con el código «0246». Su ",{"text":8239,"type":68,"marks":8240},"especificación oficial",[8241],{"type":105,"attrs":8242},{"href":8096,"uuid":64,"anchor":64,"custom":8243,"target":110,"linktype":19},{},{"text":8245,"type":68}," fue publicada por ",{"text":8247,"type":68,"marks":8248},"XStandards Einkauf (XSE) de KoSIT",[8249],{"type":105,"attrs":8250},{"href":8251,"uuid":64,"anchor":64,"custom":8252,"target":110,"linktype":19},"https://xeinkauf.de/aktuelles/peppol/geba-jetzt-online/",{},{"text":8254,"type":68}," en diciembre de 2025 y posteriormente se añadió a la ",{"text":8256,"type":68,"marks":8257},"lista de códigos de esquemas de identificación de Peppol",[8258],{"type":105,"attrs":8259},{"href":8260,"uuid":64,"anchor":64,"custom":8261,"target":110,"linktype":19},"https://docs.peppol.eu/edelivery/codelists/",{},{"text":8263,"type":68}," a partir de la versión 9.5 (desde el 23 de diciembre de 2025).",{"type":53,"attrs":8265,"content":8266},{"textAlign":64},[8267],{"text":8268,"type":68},"Los analistas consideran que GEBA es un elemento fundacional para posibles desarrollos futuros en la notificación electrónica alemana, como un modelo de cinco esquinas que podría llegar a integrar a las administraciones tributarias, posicionando a Alemania para un control digital del IVA más estricto.",{"type":61,"attrs":8270,"content":8271},{"level":693,"textAlign":64},[8272],{"text":8273,"type":68,"marks":8274},"Historia de la facturación electrónica en Alemania",[8275],{"type":71},{"type":53,"attrs":8277,"content":8278},{"textAlign":7732},[8279],{"text":8280,"type":68},"Alemania, como muchos Estados miembros europeos, cuenta actualmente con obligaciones de facturación electrónica Business-to-Government (B2G). Todos los organismos públicos deben poder recibir facturas electrónicas, y todos los proveedores de organismos públicos deben enviar facturas electrónicas a su contratista gubernamental.",{"type":53,"attrs":8282,"content":8283},{"textAlign":7732},[8284],{"text":8285,"type":68},"El primer indicio de las intenciones de Alemania de exigir la facturación electrónica B2B se produjo el 23 de junio de 2023, cuando la Comisión Europea autorizó al país a apartarse de determinadas partes de la directiva europea del IVA. ",{"type":53,"attrs":8287,"content":8288},{"textAlign":7732},[8289,8291,8299],{"text":8290,"type":68},"El plan de Alemania está en línea con la directiva ",{"text":8292,"type":68,"marks":8293},"IVA en la era digital",[8294],{"type":105,"attrs":8295},{"href":8296,"uuid":8297,"anchor":64,"custom":8298,"target":110,"linktype":111},"/es/resources/blog/iva-era-digital-vida-empresas","e9dceda6-1d13-4d2e-b158-724ad4cc07f6",{},{"text":8300,"type":68},", que también está impulsando a muchos Estados miembros europeos a abordar sus intenciones normativas en materia de facturación electrónica.",{"type":61,"attrs":8302,"content":8303},{"level":693,"textAlign":7732},[8304],{"text":8305,"type":68},"Mirando hacia el futuro: la hoja de ruta más amplia para el cumplimiento digital",{"type":53,"attrs":8307,"content":8308},{"textAlign":64},[8309,8311,8319],{"text":8310,"type":68},"Aunque la atención actual se centra, con razón, en las inminentes obligaciones de emisión de facturación electrónica B2B de 2027 y 2028, las señales políticas recientes del Gobierno alemán indican un giro estratégico más amplio hacia una aplicación fiscal «digital first». Estos objetivos se detallaron explícitamente en el Plan de Acción de julio de 2026 publicado por el Ministerio Federal de Finanzas (BMF) y el Ministerio Federal de Justicia (BMJV): ",{"text":8312,"type":68,"marks":8313},"Aktionsplan: Steuer- und Finanzkriminalität entschlossen bekämpfen",[8314,8318],{"type":105,"attrs":8315},{"href":8316,"uuid":64,"anchor":64,"custom":8317,"target":110,"linktype":19},"https://www.bundesfinanzministerium.de/Content/DE/Downloads/Steuern/aktionsplan-gegen-steuer-und-finanzkriminalitaet.pdf?__blob=publicationFile&v=6",{},{"type":3312},{"text":776,"type":68,"marks":8320},[8321],{"type":3312},{"type":53,"attrs":8323,"content":8324},{"textAlign":64},[8325],{"text":8326,"type":68},"Es importante señalar que estas iniciativas forman parte actualmente de una hoja de ruta política y no de una ley promulgada, pero ofrecen una visión clara de los objetivos a largo plazo de Alemania en materia de digitalización fiscal. La base técnica de esta transición ya se está estableciendo a través de iniciativas como XRechnung 4.0, que introduce elementos de datos diseñados específicamente para respaldar estos futuros requisitos de notificación.",{"type":91,"content":8328},[8329,8349,8360,8377],{"type":94,"content":8330},[8331],{"type":53,"attrs":8332,"content":8333},{"textAlign":64},[8334,8338,8343,8347],{"text":8335,"type":68,"marks":8336},"Notificación electrónica del IVA (",[8337],{"type":71},{"text":8339,"type":68,"marks":8340},"Umsatzsteuer-Meldesystem",[8341,8342],{"type":71},{"type":3312},{"text":8344,"type":68,"marks":8345},"): ",[8346],{"type":71},{"text":8348,"type":68},"El Gobierno ha señalado su intención de desarrollar un sistema de notificación electrónica del IVA diseñado para la notificación casi en tiempo real a nivel de transacción. Esto sugiere que la transición actual hacia la facturación electrónica es solo el primer paso para pasar de declaraciones periódicas a un régimen de recopilación de datos del IVA granular y automatizada.",{"type":94,"content":8350},[8351],{"type":53,"attrs":8352,"content":8353},{"textAlign":64},[8354,8358],{"text":8355,"type":68,"marks":8356},"Auditoría mejorada y detección de riesgos asistida por IA:",[8357],{"type":71},{"text":8359,"type":68}," La hoja de ruta incluye planes para un nuevo centro de análisis de datos y el despliegue de detección de riesgos asistida por IA. Es probable que esto utilice los datos estructurados generados por la nueva infraestructura de facturación electrónica para examinar los datos de transacciones y facturas con mucha mayor precisión que antes.",{"type":94,"content":8361},[8362],{"type":53,"attrs":8363,"content":8364},{"textAlign":64},[8365,8369,8371,8375],{"text":8366,"type":68,"marks":8367},"Ampliación de los plazos de conservación: ",[8368],{"type":71},{"text":8370,"type":68},"Una propuesta importante que se está estudiando es la ampliación de los plazos de conservación de los ",{"text":8372,"type":68,"marks":8373},"Buchungsbelege",[8374],{"type":3312},{"text":8376,"type":68}," (documentos contables), de 10 a 15 años. Para las empresas y los proveedores de servicios, esto indica la necesidad de revisar la arquitectura de almacenamiento actual, las estrategias de archivado y la comunicación sobre cumplimiento normativo para garantizar la recuperación a largo plazo.",{"type":94,"content":8378},[8379],{"type":53,"attrs":8380,"content":8381},{"textAlign":64},[8382,8386,8388,8392],{"text":8383,"type":68,"marks":8384},"Cumplimiento digital más amplio:",[8385],{"type":71},{"text":8387,"type":68}," Tendencias más amplias, como la ",{"text":8389,"type":68,"marks":8390},"Registrierkassenpflicht",[8391],{"type":3312},{"text":8393,"type":68}," (obligación de caja registradora) prevista para 2028, ponen de relieve un movimiento a nivel gubernamental hacia un cumplimiento normativo más estricto y una mayor intensidad de la cooperación entre administraciones.",{"type":53,"attrs":8395,"content":8396},{"textAlign":64},[8397],{"text":8398,"type":68},"Para las empresas que operan en Alemania, el mensaje es claro: el entorno avanza hacia más datos digitales, análisis avanzados y una tolerancia significativamente menor ante las lagunas en la notificación. Aunque estas medidas aún no son vinculantes, son factores fundamentales a tener en cuenta al diseñar su estrategia de cumplimiento digital para los próximos años.",{"type":61,"attrs":8400,"content":8401},{"level":693,"textAlign":7732},[8402],{"text":8403,"type":68,"marks":8404},"Vaya siempre un paso por delante",[8405],{"type":71},{"type":53,"attrs":8407,"content":8408},{"textAlign":7732},[8409,8411,8417,8419,8425],{"text":8410,"type":68},"No se pierda ninguna novedad sobre el panorama de la facturación y la notificación electrónicas en Alemania. ",{"text":8412,"type":68,"marks":8413},"Suscríbase a nuestro boletín",[8414],{"type":105,"attrs":8415},{"href":4925,"uuid":4926,"anchor":64,"custom":8416,"target":110,"linktype":111},{},{"text":8418,"type":68}," para recibir directamente en su bandeja de entrada noticias mensuales sobre cumplimiento fiscal, actualizaciones normativas globales, opiniones de expertos y consejos sobre facturación electrónica. Para obtener información más periódica y en tiempo real, no deje de ",{"text":8420,"type":68,"marks":8421},"conectar con nosotros en LinkedIn",[8422],{"type":105,"attrs":8423},{"href":3032,"uuid":64,"anchor":64,"custom":8424,"target":110,"linktype":19},{},{"text":8426,"type":68},". ",{"_uid":8428,"page":8429,"theme":8,"component":4946},"ce93d9ed-db25-4364-b68f-bd6a16a8bd2a",[4945],{"_uid":8431,"cards":8432,"buttons":8437,"heading":3996,"tagline":8,"component":1584,"background":48,"description":8438},"71931034-0c0c-4ce7-b502-55f7961d665c",[8433,8434,8435,8436],"1a614064-d03d-42cf-b5d7-d7c899d17000","dbc1e1e0-3f2e-4f4d-aa7c-9a3c930a9ec3","8c83d3a6-f798-433c-9756-bcde3706cf39","b8926a9a-b6d6-4d84-8cc9-c415e0046064",[],{"type":50,"content":8439},[8440],{"type":53},{"id":8442,"alt":7715,"name":8,"focus":8,"title":7715,"source":8,"filename":8443,"copyright":8,"fieldtype":15,"meta_data":8444,"is_external_url":17},88636090223204,"https://a.storyblok.com/f/318078/1032x600/74c1e7e7b9/6576f286089b27ed1e4a2a2a_blog-germany-s-b2b-electronic-invoicing-developments.webp",{"alt":7695,"title":7695,"source":8,"copyright":8},[8446],"5cf61005-ab2b-4165-92ed-2d0cdcc5f06c",[],{"type":50,"content":8449},[8450],{"type":91,"content":8451},[8452,8464,8471,8478,8485,8492],{"type":94,"content":8453},[8454],{"type":53,"attrs":8455,"content":8456},{"textAlign":7732},[8457,8459,8462],{"text":8458,"type":68},"Las normas de facturación electrónica Business-to-Business (B2B) en Alemania se introdujeron el 1 de enero de 2025. Sin embargo, actualmente existe un periodo transitorio que aprovecha lo que se conoce como «",{"text":7802,"type":68,"marks":8460},[8461],{"type":3312},{"text":8463,"type":68},"» (normas transitorias).",{"type":94,"content":8465},[8466],{"type":53,"attrs":8467,"content":8468},{"textAlign":7732},[8469],{"text":8470,"type":68},"Una factura electrónica (E-Rechnung) debe emitirse, transmitirse y recibirse en un formato electrónico estructurado que permita el procesamiento automático y la extracción correcta de los datos relevantes para el IVA conforme a la norma EN 16931.",{"type":94,"content":8472},[8473],{"type":53,"attrs":8474,"content":8475},{"textAlign":7732},[8476],{"text":8477,"type":68},"La implementación de la facturación electrónica B2B obligatoria en Alemania sigue un calendario por fases, que distingue entre la obligación de recibir facturas (ya vigente) y la obligación de emitirlas (fases futuras).",{"type":94,"content":8479},[8480],{"type":53,"attrs":8481,"content":8482},{"textAlign":7732},[8483],{"text":8484,"type":68},"Se permiten los formatos EDI, siempre que permitan la extracción correcta y completa de los datos relevantes para el IVA conforme a la norma EN 16931 (u otro formato estructurado interoperable).",{"type":94,"content":8486},[8487],{"type":53,"attrs":8488,"content":8489},{"textAlign":7732},[8490],{"text":8491,"type":68},"Alemania cuenta con obligaciones de facturación electrónica Business-to-Government (B2G). ",{"type":94,"content":8493},[8494],{"type":53,"attrs":8495,"content":8496},{"textAlign":7732},[8497],{"text":8498,"type":68},"Los avances recientes de 2026, incluidas las nuevas directrices de implementación, las actualizaciones técnicas de XRechnung y el Plan de Acción de julio de 2026 del BMF y el BMJV, refuerzan aún más la transición de Alemania hacia la facturación electrónica B2B estructurada y los futuros requisitos de notificación digital.",[3207,2090,3211],"El 17 de noviembre de 2023, el Bundestag alemán aprobó la Ley de Oportunidades de Crecimiento (Wachstumschancengesetz), que incluye la normativa obligatoria de facturación electrónica entre empresas. La ley experimentó varias enmiendas respecto a la versión presentada inicialmente.",[4305],"germany-s-b2b-electronic-invoicing-law-approved","es/resources/blog/ley-facturacion-electronica-b2b-alemania","2026-07-21",-1390,[3835],"360ab07f-71b5-4629-b580-6a048e79021c","2024-03-22T00:00:00.000Z",[],"resources/blog/germany-s-b2b-electronic-invoicing-law-approved",[8512,8515,8516,8519],{"path":8513,"name":8514,"lang":521,"published":55},"resources/blog/duitse-wetgeving-voor-b2b-e-facturatie-goedgekeurd","Duitse wetgeving voor B2B e-facturatie officieel goedgekeurd",{"path":8510,"name":64,"lang":523,"published":64},{"path":8517,"name":8518,"lang":527,"published":55},"informationen/blog/deutschlands-gesetz-fuer-die-e-rechnung-im-b2b-bereich-genehmigt","Deutschlands Gesetz für die E-Rechnung im B2B-Bereich genehmigt",{"path":8520,"name":7715,"lang":514,"published":55},"resources/blog/ley-facturacion-electronica-b2b-alemania",{"name":8522,"created_at":8523,"published_at":8524,"updated_at":8525,"id":8526,"uuid":8433,"content":8527,"slug":8705,"full_slug":8706,"sort_by_date":8707,"position":8708,"tag_list":8709,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":8710,"first_published_at":8711,"release_id":64,"lang":514,"path":64,"alternates":8712,"default_full_slug":8713,"translated_slugs":8714,"_stopResolving":55},"Unifiedpost (now Banqup) Germany and BPS Software cooperate","2025-09-05T10:03:12.086Z","2026-09-14T07:56:14.317Z","2026-09-14T07:56:14.350Z",87560159630652,{"seo":8528,"_uid":8532,"body":8533,"image":8692,"theme":8,"title":8541,"author":8694,"related":8695,"summary":8696,"category":8703,"component":2092,"createdOn":8,"description":8702,"relatedCountries":8704,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":8529,"title":8530,"plugin":34,"description":8531},"98268482-9e67-4c21-87a9-13225de4df17","Cooperación con BPS Software | Blog - Banqup","Envíe una factura desde BPS Bau directamente a su destinatario. Benefíciese de un proceso rápido y digital gracias a la cooperación entre BPS Software y Banqup Alemania.","a33b3842-aa48-481c-83a0-28994db20308",[8534,8545,8684],{"_uid":8535,"align":8,"image":8536,"buttons":8540,"columns":8,"heading":8541,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":8542,"invertTextColor":55},"8e86c03c-d907-4a96-b3ad-49aa72e91591",{"id":8537,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":8538,"copyright":8,"fieldtype":15,"meta_data":8539,"is_external_url":17},97521189098442,"https://a.storyblok.com/f/318078/3840x1017/40c00f3272/navigating-psd3-psr-an-exclusive-interview-with-unifiedpost-group-s-now-banqup-group-s-payments-expert.png",{},[],"Unifiedpost (ahora Banqup) Alemania y BPS Software cooperan",{"type":50,"content":8543},[8544],{"type":53},{"_uid":8546,"text":8547,"component":505,"background":48},"cc8631fc-6db3-4e97-b1e2-4a3cba5cfbf9",{"type":50,"content":8548},[8549,8554,8556,8558,8563,8576,8589,8594,8598,8603,8608,8610,8618,8631,8635,8640,8645,8649,8660,8664,8669],{"type":53,"attrs":8550,"content":8551},{"textAlign":64},[8552],{"text":8553,"type":68},"Envíe una factura desde BPS Bau directamente a su destinatario con solo pulsar un botón. Benefíciese de un proceso rápido, directo y digital.",{"type":53,"attrs":8555},{"textAlign":64},{"type":53,"attrs":8557},{"textAlign":64},{"type":61,"attrs":8559,"content":8560},{"level":3339,"textAlign":64},[8561],{"text":8562,"type":68},"ERP y facturación electrónica",{"type":53,"attrs":8564,"content":8565},{"textAlign":64},[8566,8568,8574],{"text":8567,"type":68},"‍La cooperación entre Banqup Group y ",{"text":8569,"type":68,"marks":8570},"BPS Software",[8571],{"type":105,"attrs":8572},{"href":8573,"uuid":64,"anchor":64,"custom":64,"target":574,"linktype":19},"https://www.bps-software.de/",{"text":8575,"type":68}," amplía las funciones de BPS Bau para incluir la emisión completa de facturas digitales. Esto ofrece a las empresas del sector de la construcción una solución todo en uno.",{"type":53,"attrs":8577,"content":8578},{"textAlign":64},[8579,8581,8587],{"text":8580,"type":68},"‍Una factura electrónica no es, como suele suponerse, un simple documento PDF que se puede enviar por correo electrónico. En cambio, una factura electrónica (",{"text":8582,"type":68,"marks":8583},"e-invoice",[8584],{"type":105,"attrs":8585},{"href":5295,"uuid":5296,"anchor":64,"custom":8586,"target":110,"linktype":111},{},{"text":8588,"type":68},") es una factura totalmente electrónica durante todo su ciclo de vida. Desde la creación, hasta la emisión, la transmisión y la recepción.",{"type":53,"attrs":8590,"content":8591},{"textAlign":64},[8592],{"text":8593,"type":68},"‍Pero no es tan sencillo como parece. Además de una serie de requisitos legales, hay que tener en cuenta muchos aspectos técnicos. Por eso BPS Software y Banqup Group han unido fuerzas, para crear una solución perfectamente integrada para empresas de construcción.",{"type":53,"attrs":8595,"content":8596},{"textAlign":64},[8597],{"text":155,"type":68},{"type":61,"attrs":8599,"content":8600},{"level":3339,"textAlign":64},[8601],{"text":8602,"type":68},"Una solución todo en uno para el sector de la construcción",{"type":53,"attrs":8604,"content":8605},{"textAlign":64},[8606],{"text":8607,"type":68},"‍Juntos, Banqup Group y BPS Software ofrecen una solución todo en uno para el sector de la construcción. Con solo pulsar un botón, las empresas pueden crear sus facturas en su software BPS BAU y enviarlas directamente y de forma digital a su destinatario.",{"type":53,"attrs":8609},{"textAlign":64},{"type":53,"attrs":8611,"content":8612},{"textAlign":64},[8613],{"type":2524,"attrs":8614},{"id":8615,"alt":8,"src":8616,"title":8,"source":8,"copyright":8,"meta_data":8617},87560931876543,"https://a.storyblok.com/f/318078/1423x864/0e5bb1b810/6597f5b29cc441d220433851_unifiedpost-germany-and-bps-software-cooperate.png",{},{"type":53,"attrs":8619,"content":8620},{"textAlign":64},[8621,8623,8629],{"text":8622,"type":68},"El envío de facturas electrónicas integrado a través de ",{"text":8624,"type":68,"marks":8625},"la solución de Banqup Group",[8626],{"type":105,"attrs":8627},{"href":2473,"uuid":3541,"anchor":64,"custom":8628,"target":110,"linktype":111},{},{"text":8630,"type":68}," no solo acelera todo el proceso de facturación, sino que también hace que la contabilidad sea entre un 60 y un 80% más eficiente. Además, nuestra solución líder en facturación electrónica cumple con la normativa fiscal local e internacional en más de 60 países en todo el mundo, garantizando que las empresas se mantengan conformes y tengan una preocupación menos.",{"type":53,"attrs":8632,"content":8633},{"textAlign":64},[8634],{"text":155,"type":68},{"type":61,"attrs":8636,"content":8637},{"level":3339,"textAlign":64},[8638],{"text":8639,"type":68},"Una colaboración conjunta",{"type":53,"attrs":8641,"content":8642},{"textAlign":64},[8643],{"text":8644,"type":68},"‍Para ofrecer a las empresas de construcción la solución óptima para la digitalización de sus procesos financieros y de facturación, Banqup Group y BPS Software apuestan por una estrecha cooperación.",{"type":53,"attrs":8646,"content":8647},{"textAlign":64},[8648],{"text":155,"type":68},{"type":2284,"content":8650},[8651],{"type":53,"attrs":8652,"content":8653},{"textAlign":64},[8654,8658],{"text":8655,"type":68,"marks":8656},"«Trabajar con Banqup Group nos abre oportunidades totalmente nuevas. Podemos abordar el tema de la facturación electrónica de forma más profesional y estamos mejor posicionados para futuros ajustes que si tuviéramos que programarlo y llevarlo a cabo todo por nuestra cuenta. De este modo, Banqup Group nos aporta conocimientos especializados, mientras nosotros podemos concentrarnos en nuestras áreas de especialización. En definitiva, una situación en la que todos ganan: UPG, nuestros clientes de BPS y nosotros.» ",[8657],{"type":3312},{"text":8659,"type":68},"Carsten Brockmann, director general de BPS Software.",{"type":53,"attrs":8661,"content":8662},{"textAlign":64},[8663],{"text":155,"type":68},{"type":61,"attrs":8665,"content":8666},{"level":3339,"textAlign":64},[8667],{"text":8668,"type":68},"Cómo puede beneficiarse de una solución todo en uno",{"type":53,"attrs":8670,"content":8671},{"textAlign":64},[8672,8674,8682],{"text":8673,"type":68},"‍Si está interesado en una solución integrada todo en uno entre Banqup Group y BPS Software, ",{"text":8675,"type":68,"marks":8676},"contacte con un miembro de nuestro equipo local en Alemania",[8677],{"type":105,"attrs":8678},{"href":8679,"uuid":8680,"anchor":64,"custom":8681,"target":110,"linktype":111},"/es/resources/compliance-pulse/facturacion-electronica-b2b-alemania-guia","dacba37f-025b-4159-83cf-e71aced579f6",{},{"text":8683,"type":68}," que estará a su disposición para encontrar la solución perfecta para su empresa dentro del sector de la construcción.",{"_uid":8685,"cards":8686,"buttons":8688,"heading":3996,"tagline":8,"component":1584,"background":48,"description":8689},"10be9379-98b4-40a7-88a7-3d724c36cfdb",[8434,8435,8687],"43811509-1f41-48d1-a1f2-38e7943870b3",[],{"type":50,"content":8690},[8691],{"type":53},{"id":8442,"alt":8541,"name":8,"focus":8,"title":8541,"source":8,"filename":8443,"copyright":8,"fieldtype":15,"meta_data":8693,"is_external_url":17},{"alt":8522,"title":8522,"source":8,"copyright":8},[],[],{"type":50,"content":8697},[8698],{"type":53,"attrs":8699,"content":8700},{"textAlign":64},[8701],{"text":8702,"type":68},"Envíe una factura desde BPS Bau directamente a su destinatario con solo pulsar un botón. Benefíciese de un proceso rápido, directo y digital gracias a la cooperación entre BPS Software y Unifiedpost (ahora Banqup) Alemania.",[1597,1598],[4305],"banqup-germany-and-bps-software-cooperate","es/resources/blog/banqup-alemania-bps-software-cooperan","2020-10-01",-1290,[3835],"3145ff75-0c43-4185-b129-411d03352baf","2020-10-01T09:31:00.000Z",[],"resources/blog/banqup-germany-and-bps-software-cooperate",[8715,8716,8717,8720],{"path":8713,"name":64,"lang":521,"published":64},{"path":8713,"name":64,"lang":523,"published":64},{"path":8718,"name":8719,"lang":527,"published":55},"informationen/blog/unifiedpost-jetzt-banqup-deutschland-und-bps-software-kooperieren","Unifiedpost (jetzt Banqup) Deutschland und BPS Software kooperieren",{"path":8721,"name":8541,"lang":514,"published":55},"resources/blog/banqup-alemania-bps-software-cooperan",{"name":8723,"created_at":8724,"published_at":8725,"updated_at":8726,"id":8727,"uuid":5186,"content":8728,"slug":9018,"full_slug":9019,"sort_by_date":9020,"position":9021,"tag_list":9022,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":9023,"first_published_at":9024,"release_id":64,"lang":514,"path":64,"alternates":9025,"default_full_slug":9026,"translated_slugs":9027,"_stopResolving":55},"Which countries use Peppol?","2025-09-15T10:27:37.216Z","2026-09-14T07:56:47.838Z","2026-09-14T07:56:47.880Z",91105104782731,{"seo":8729,"_uid":8733,"body":8734,"image":8987,"theme":8,"title":8742,"author":8991,"related":8992,"summary":8993,"category":9000,"component":2092,"createdOn":8,"description":8999,"relatedCountries":9001,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":8730,"title":8731,"plugin":34,"description":8732},"1668607a-b0c1-4643-8782-f4e18aba0d67","¿Qué países utilizan Peppol? | Blog - Banqup","Descubra qué países utilizan actualmente Peppol y por qué cada vez más se suman a este marco. Conozca todos los detalles con Banqup Group.","9cb8628f-db88-480c-b78a-c4612ed9b703",[8735,8747,8977,8980],{"_uid":8736,"align":8,"image":8737,"theme":48,"buttons":8741,"columns":647,"heading":8742,"padding":40,"tagline":8743,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":8744,"invertTextColor":55},"cb3054c3-9a2c-46a6-aebd-6b89d9ed3c6c",{"id":8738,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":8739,"copyright":8,"fieldtype":15,"meta_data":8740,"is_external_url":17},94981000823550,"https://a.storyblok.com/f/318078/1925x510/15ff073a6b/which-countries-use-peppol.png",{},[],"¿Qué países utilizan Peppol?","Facturación electrónica",{"type":50,"content":8745},[8746],{"type":53},{"_uid":8748,"text":8749,"component":505,"background":48},"61aab285-fd04-4c92-a43e-9001b2ecde27",{"type":50,"content":8750},[8751,8761,8766,8768,8772,8777,8782,8787,8801,8805,8810,8822,8827,8832,8837,8841,8846,8880,8889,8901,8906,8921,8926,8931,8946,8950,8955,8960,8972],{"type":53,"attrs":8752,"content":8753},{"textAlign":64},[8754,8759],{"text":3228,"type":68,"marks":8755},[8756],{"type":105,"attrs":8757},{"href":6242,"uuid":6243,"anchor":64,"custom":8758,"target":110,"linktype":111},{},{"text":8760,"type":68}," (Pan-European Public Procurement Online) empezó como un proyecto para el «Programa de Competitividad e Innovación» de la Unión Europea, que se desarrolló desde mayo de 2008 hasta agosto de 2012. Su objetivo era resolver problemas en la contratación pública electrónica y facilitar el comercio entre los gobiernos europeos.",{"type":53,"attrs":8762,"content":8763},{"textAlign":64},[8764],{"text":8765,"type":68},"Tras la conclusión de este exitoso proyecto, se fundó la asociación OpenPeppol en Bélgica para continuar el trabajo. Hoy en día, países de todo el mundo utilizan Peppol para permitir transacciones comerciales transfronterizas. Esto les permite beneficiarse de un conjunto unificado de normas para el intercambio de datos y cumplir con la normativa internacional.",{"type":53,"attrs":8767},{"textAlign":64},{"type":53,"attrs":8769,"content":8770},{"textAlign":64},[8771],{"text":155,"type":68},{"type":61,"attrs":8773,"content":8774},{"level":3339,"textAlign":64},[8775],{"text":8776,"type":68},"Cómo utilizan los países Peppol",{"type":53,"attrs":8778,"content":8779},{"textAlign":64},[8780],{"text":8781,"type":68},"‍En general, Peppol se utiliza principalmente en la contratación pública, respaldando las obligaciones de facturación electrónica entre empresas y administraciones públicas (B2G) en toda Europa y más allá.",{"type":53,"attrs":8783,"content":8784},{"textAlign":64},[8785],{"text":8786,"type":68},"‍No todos los países utilizan Peppol de la misma manera. Algunos países cuentan con una red de interoperabilidad abierta y permiten que las entidades públicas utilicen varios Access Points disponibles en el mercado: Suecia, Luxemburgo, Alemania, etc. Otros prefieren contar con un único Access Point principal, utilizado por las entidades públicas: Grecia, Bélgica, Francia, etc.",{"type":53,"attrs":8788,"content":8789},{"textAlign":64},[8790,8791,8799],{"text":155,"type":68},{"text":8792,"type":68,"marks":8793},"Bélgica",[8794],{"type":105,"attrs":8795},{"href":8796,"uuid":8797,"anchor":64,"custom":8798,"target":110,"linktype":111},"/es/resources/blog/seis-datos-clave-facturacion-electronica-belgica","ad585f4d-da41-48ca-b5c5-2503c421b758",{},{"text":8800,"type":68}," utiliza, por ejemplo, su portal gubernamental oficial, Mercurius, que integra Peppol. Todas las empresas que envían facturas a instituciones del sector público belga deben transmitir las facturas electrónicas mediante Mercurius, que luego se distribuyen a través de la red Peppol.",{"type":53,"attrs":8802,"content":8803},{"textAlign":64},[8804],{"text":155,"type":68},{"type":61,"attrs":8806,"content":8807},{"level":3339,"textAlign":64},[8808],{"text":8809,"type":68},"El uso de Peppol en Europa",{"type":53,"attrs":8811,"content":8812},{"textAlign":64},[8813,8815,8820],{"text":8814,"type":68},"‍Europa es donde comenzó Peppol y hoy desempeña un papel importante en la facturación electrónica (",{"text":3537,"type":68,"marks":8816},[8817],{"type":105,"attrs":8818},{"href":5295,"uuid":5296,"anchor":64,"custom":8819,"target":110,"linktype":111},{},{"text":8821,"type":68},") en todo el continente.",{"type":53,"attrs":8823,"content":8824},{"textAlign":64},[8825],{"text":8826,"type":68},"‍Actualmente, 31 países de Europa cuentan con miembros de OpenPeppol (puntos de acceso Peppol o proveedores de servicios Peppol). 19 de estos países utilizan la red Peppol como parte de su legislación de facturación electrónica B2G. Estos países incluyen Austria, Bélgica, Croacia, Dinamarca, Estonia, Finlandia, Francia, Alemania, Grecia, Islandia, Irlanda, Italia, Lituania, Luxemburgo, Países Bajos, Noruega, Polonia, Suecia y el Reino Unido.",{"type":53,"attrs":8828,"content":8829},{"textAlign":64},[8830],{"text":8831,"type":68},"‍En cuanto a la obligatoriedad de la facturación electrónica, Dinamarca fue el primer país en implantarla. Desde 2005, los proveedores de servicios y bienes están obligados a utilizar la facturación electrónica en sus relaciones con instituciones y administraciones públicas. Esto se lleva a cabo a través de la red centralizada danesa «NemHandel», el sistema de facturación electrónica de Dinamarca que funciona mediante Peppol. El sistema contable de una organización debe estar conectado a un punto de acceso que garantice que los datos de la factura cumplen las normas de seguridad necesarias.",{"type":53,"attrs":8833,"content":8834},{"textAlign":64},[8835],{"text":8836,"type":68},"‍En el caso de Noruega, uno de los países pioneros en Peppol al haber participado en el proyecto PEPPOL original, las autoridades han incrementado el uso de catálogos y pedidos, además de estudiar el uso de la infraestructura Peppol y el modelo de gobernanza de OpenPeppol en otros ámbitos como la administración electrónica y el pago electrónico.",{"type":53,"attrs":8838,"content":8839},{"textAlign":64},[8840],{"text":155,"type":68},{"type":61,"attrs":8842,"content":8843},{"level":3339,"textAlign":64},[8844],{"text":8845,"type":68},"Peppol más allá de Europa",{"type":53,"attrs":8847,"content":8848},{"textAlign":64},[8849,8851,8859,8860,8868,8870,8878],{"text":8850,"type":68},"‍Armenia, Australia, Canadá, China, India, Japón, Malasia, México, Nueva Zelanda, Singapur, Sudáfrica, los EAU y los EE. UU. cuentan todos con miembros de OpenPeppol. Países como ",{"text":8852,"type":68,"marks":8853},"Japón",[8854],{"type":105,"attrs":8855},{"href":8856,"uuid":8857,"anchor":64,"custom":8858,"target":110,"linktype":111},"/es/resources/compliance-pulse/requisitos-facturacion-electronica-japon","c8a04d8b-1eb3-42d9-b9bf-7e21736f7aff",{},{"text":8146,"type":68},{"text":8861,"type":68,"marks":8862},"Nueva Zelanda",[8863],{"type":105,"attrs":8864},{"href":8865,"uuid":8866,"anchor":64,"custom":8867,"target":110,"linktype":111},"/es/resources/compliance-pulse/requisitos-facturacion-electronica-nueva-zelanda","b3c6413d-1eb6-414f-bc11-4b997ec7041e",{},{"text":8869,"type":68}," y ",{"text":8871,"type":68,"marks":8872},"Singapur",[8873],{"type":105,"attrs":8874},{"href":8875,"uuid":8876,"anchor":64,"custom":8877,"target":110,"linktype":111},"/es/resources/compliance-pulse/requisitos-facturacion-electronica-singapur","d8e8ec04-58ab-4b5e-81c9-765c38f9e91f",{},{"text":8879,"type":68}," utilizan Peppol como parte de sus obligaciones de facturación electrónica, beneficiándose también de la interoperabilidad de la red y su capacidad para el comercio transfronterizo.",{"type":53,"attrs":8881,"content":8882},{"textAlign":64},[8883,8884],{"text":155,"type":68},{"type":2524,"attrs":8885},{"id":8886,"alt":8,"src":8887,"title":8,"source":8,"copyright":8,"meta_data":8888},91106091938266,"https://a.storyblok.com/f/318078/1032x600/711fd69159/6631f424fbe9e137c10864bf_blog-which-countries-use-peppol-world.webp",{},{"type":53,"attrs":8890,"content":8891},{"textAlign":64},[8892,8899],{"text":8871,"type":68,"marks":8893},[8894],{"type":105,"attrs":8895},{"href":8896,"uuid":8897,"anchor":64,"custom":8898,"target":110,"linktype":111},"/es/resources/blog/peppol-canal-predeterminado-b2g-singapur","6bf05490-cddd-495a-ba7f-7368d067ead9",{},{"text":8900,"type":68}," fue el primer país fuera de Europa en adoptar este marco. En 2018, la Infocomm Media Development Authority (IMDA) de Singapur se convirtió en la primera autoridad nacional fuera de Europa en unirse a OpenPeppol como Peppol Authority. Poco después, en 2019, lanzó su red nacional de facturación electrónica.",{"type":53,"attrs":8902,"content":8903},{"textAlign":64},[8904],{"text":8905,"type":68},"‍La facturación electrónica es voluntaria para las transacciones B2B en Singapur y el país está promoviendo su uso entre las empresas. Desde 2019, las empresas pueden intercambiar facturas electrónicas a través de InvoiceNow, que funciona sobre la red Peppol. Recientemente, el país incluso lanzó un programa de subvenciones a la digitalización, animando a las empresas a obtener un InvoiceNow ID y formar parte de la red Peppol.",{"type":53,"attrs":8907,"content":8908},{"textAlign":64},[8909,8911,8919],{"text":8910,"type":68},"‍Al igual que Singapur, ",{"text":8912,"type":68,"marks":8913},"Australia",[8914],{"type":105,"attrs":8915},{"href":8916,"uuid":8917,"anchor":64,"custom":8918,"target":110,"linktype":111},"/es/resources/blog/banqup-peppol-certificado-australia","2727724f-efc4-454b-a096-32c89d2ad4a8",{},{"text":8920,"type":68}," también ha adoptado Peppol. Desde 2022, todos los organismos federales y la mayoría de los gobiernos estatales de Australia están obligados a poder recibir facturas electrónicas a través de Peppol.",{"type":53,"attrs":8922,"content":8923},{"textAlign":64},[8924],{"text":8925,"type":68},"‍Además, el Departamento del Tesoro de Australia ha diseñado un plan, el Business e-Invoicing Right (o BER), para promover la adopción de la facturación electrónica B2B mediante Peppol. Se espera que, para 2025, las empresas puedan obligar a sus socios comerciales a enviar facturas a través de Peppol. En un primer momento, se propone que solo las grandes empresas estén legalmente obligadas a enviar facturas electrónicas Peppol al recibir una solicitud válida (que se detalla más adelante en el documento) de cualquier empresa cubierta por el BER. La intención es que esta obligación legal se amplíe con el tiempo, de forma que las medianas empresas y, finalmente, las pequeñas empresas también estén legalmente obligadas a enviar una factura electrónica al recibir una solicitud válida de cualquier otra empresa cubierta por el BER.",{"type":53,"attrs":8927,"content":8928},{"textAlign":64},[8929],{"text":8930,"type":68},"‍En un avance más reciente, Japón estableció su Peppol Authority en 2021 y sigue avanzando en el proyecto de facturación electrónica del país. La iniciativa tiene como objetivo aumentar la eficiencia y la productividad de las empresas, pero también se espera que aporte nuevos beneficios a la sociedad, incluida la creación de nuevas oportunidades de negocio y el avance hacia la era digital.",{"type":53,"attrs":8932,"content":8933},{"textAlign":64},[8934,8936,8944],{"text":8935,"type":68},"‍Con el paso del tiempo, se espera que más países de todo el mundo hagan lo mismo. En el horizonte se encuentra ",{"text":8937,"type":68,"marks":8938},"Malasia",[8939],{"type":105,"attrs":8940},{"href":8941,"uuid":8942,"anchor":64,"custom":8943,"target":110,"linktype":111},"/es/resources/compliance-pulse/requisitos-facturacion-electronica-malasia","8e98d84a-b90b-4d17-b6a8-8a7b7d7c0cfa",{},{"text":8945,"type":68},", donde Peppol formará la base de la red de interoperabilidad del país.",{"type":53,"attrs":8947,"content":8948},{"textAlign":64},[8949],{"text":155,"type":68},{"type":61,"attrs":8951,"content":8952},{"level":3339,"textAlign":64},[8953],{"text":8954,"type":68},"Banqup Group y Peppol",{"type":53,"attrs":8956,"content":8957},{"textAlign":64},[8958],{"text":8959,"type":68},"‍Banqup Group es un proveedor certificado de Peppol Access Point.",{"type":53,"attrs":8961,"content":8962},{"textAlign":64},[8963,8965,8970],{"text":8964,"type":68},"‍Nuestra ",{"text":3981,"type":68,"marks":8966},[8967],{"type":105,"attrs":8968},{"href":2473,"uuid":3541,"anchor":64,"custom":8969,"target":110,"linktype":111},{},{"text":8971,"type":68}," se conecta directamente con el uso de Peppol en muchos países de todo el mundo. Al utilizar nuestra solución, las empresas de todos los tamaños pueden aprovechar el intercambio electrónico de documentos y datos, garantizando al mismo tiempo el cumplimiento fiscal y de facturación electrónica en más de 60 países.",{"type":53,"attrs":8973,"content":8974},{"textAlign":64},[8975],{"text":8976,"type":68},"‍Nuestras soluciones eliminan el estrés del cumplimiento normativo, le ahorran tiempo y garantizan que su empresa esté preparada para el 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Peppol?",{"path":9034,"name":8742,"lang":514,"published":55},"resources/blog/paises-que-utilizan-peppol",[],{"type":50,"content":9037},[9038],{"type":53},{"id":9040,"alt":7526,"name":8,"focus":8,"title":7526,"source":8,"filename":9041,"copyright":8,"fieldtype":15,"meta_data":9042,"is_external_url":17},91143428882097,"https://a.storyblok.com/f/318078/1032x600/8dd05f1080/644a9d1278d99af5721de093_blog-is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing_website.jpg",{"alt":7526,"title":7526,"source":8,"copyright":8},[8446],[],{"type":50,"content":9046},[9047],{"type":53,"attrs":9048,"content":9049},{"textAlign":64},[9050],{"text":9051,"type":68},"Germany’s Federal Ministry of Finance is considering the compulsory adoption of electronic invoices for B2B sales within the country.",[2090,3207,3211],[4305],"is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing-","es/resources/blog/alemania-proximo-estado-ue-factura-electronica-b2b","2023-06-27",-1890,[3835],"7257052c-0ee0-425d-be3e-1a442dd5961f","2023-06-27T16:04:00.000Z",[],"resources/blog/is-germany-the-next-eu-state-to-mandate-b2b-electronic-invoicing-",[9064,9065,9066,9069],{"path":9062,"name":64,"lang":521,"published":64},{"path":9062,"name":64,"lang":523,"published":64},{"path":9067,"name":9068,"lang":527,"published":55},"informationen/blog/ist-deutschland-der-naechste-eu-staat-mit-einer-b2b-e-rechnungspflicht","Ist Deutschland der nächste EU-Staat mit einer B2B E-Rechnungspflicht?",{"path":9070,"name":9071,"lang":514,"published":55},"resources/blog/alemania-proximo-estado-ue-factura-electronica-b2b","¿Es Alemania el próximo estado de la UE en imponer la factura electrónica 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Group und der französische Wirtschaftsprüferverband arbeiten künftig eng zusammen.",{"path":9111,"name":9112,"lang":514,"published":55},"resources/blog/banqup-federacion-francesa-contables","Banqup Group (antes Unifiedpost Group) y la federación francesa de contables unen fuerzas de manera duradera",{"left":9114,"top":9114,"width":9115,"height":9116,"rotate":9114,"vFlip":17,"hFlip":17,"body":9117},0,304,609,"\u003Cdefs>\n\t\t\u003Cfilter id=\"feather\" x=\"-100%\" y=\"-100%\" width=\"300%\" height=\"300%\">\n\t\t\t\u003CfeGaussianBlur stdDeviation=\"45\"/>\n\t\t\u003C/filter>\n\t\t\u003ClinearGradient id=\"base-fade\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"0\">\n\t\t\t\u003Cstop offset=\"0\" stop-color=\"white\"/>\n\t\t\t\u003Cstop offset=\"1\" stop-color=\"black\"/>\n\t\t\u003C/linearGradient>\n\t\t\u003Cmask id=\"fade-mask\">\n\t\t\t\u003Crect width=\"304\" height=\"609\" fill=\"url(#base-fade)\"/>\n\t\t\t\u003Cpath d=\"M 410 -535.5 L 410 1144.5 L 90 304.5 Z\" fill=\"black\" 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