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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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You are therefore advised to check this page every time you use our site.",{"type":78},{"type":78},{"text":255,"type":68},"6.2 If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.",{"type":61,"attrs":257,"content":258},{"level":132,"textAlign":64},[259,263,265],{"text":260,"type":68,"marks":261},"7. How you may use ",[262],{"type":71},{"text":264,"type":68},"our site ",{"text":266,"type":68,"marks":267},"and content (intellectual property rights)",[268],{"type":71},{"type":53,"attrs":270,"content":271},{"textAlign":64},[272,274,275,276,278,279,280,282,283,284,286,287,288,290,291,292],{"text":273,"type":68},"7.1 All content included on our site and the copyright and other intellectual property rights in that content belongs to or has been licensed by Us, unless specifically labelled otherwise. 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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Pero, ¿cómo empezó todo y quién participó primero?",{"type":53,"attrs":3280,"content":3281},{"textAlign":64},[3282],{"text":3283,"type":68},"Italia fue uno de los primeros países del mundo, y el primero de Europa, en liderar la facturación electrónica (e-invoicing) obligatoria. A partir de 2014, Italia revolucionó la facturación electrónica obligatoria, mostrando a Europa la rapidez con la que se pueden implantar normativas. Comenzó como una iniciativa para ayudar a cerrar la brecha del IVA del país y pronto se convirtió en una necesidad y una oportunidad para muchas empresas italianas.",{"type":53,"attrs":3285,"content":3286},{"textAlign":64},[3287,3289,3304],{"text":3288,"type":68},"‍Hablamos con Gerri Cipollini, Director General de Banqup Italia. Un pionero en procesos de ",{"text":3290,"type":68,"marks":3291},"facturación electrónica",[3292],{"type":105,"attrs":3293},{"href":3294,"uuid":3295,"anchor":64,"custom":3296,"target":110,"linktype":111,"story":3297},"/es/resources/blog/que-es-facturacion-electronica","4ef02f0c-e7c4-4aa2-bb98-83ff723c0fdb",{},{"name":3298,"id":3299,"uuid":3295,"slug":3300,"url":3301,"translated_name":3302,"full_slug":3303,"_stopResolving":55},"What is electronic invoicing?",92139211254451,"what-is-electronic-invoicing","resources/blog/what-is-electronic-invoicing","¿Qué es la facturación electrónica?","es/resources/blog/que-es-facturacion-electronica",{"text":3305,"type":68},", una persona cuya experiencia en las obligaciones y la legislación de facturación electrónica de Italia no tiene igual. Siga leyendo para descubrir la iniciativa líder de Italia y el impacto que tuvo en las empresas locales.",{"type":53,"attrs":3307,"content":3308},{"textAlign":64},[3309],{"type":2524,"attrs":3310},{"id":3311,"alt":8,"src":3312,"title":8,"source":8,"copyright":8,"meta_data":3313},91850099093511,"https://a.storyblok.com/f/318078/4167x834/0d7b65d680/6447eb7191357fbc1d494f70_soundbites-gerri-blog-en-1.png",{},{"type":53,"attrs":3315},{"textAlign":64},{"type":61,"attrs":3317,"content":3319},{"level":3318,"textAlign":64},5,[3320],{"text":3321,"type":68},"Un vistazo a la historia",{"type":53,"attrs":3323,"content":3324},{"textAlign":64},[3325],{"text":3326,"type":68},"‍En junio de 2014, Italia comenzó a implantar la facturación electrónica obligatoria. Con un inicio gradual, las obligaciones se establecieron primero para las facturas de empresa a administración pública (B2G) dirigidas a entidades de la administración central.",{"type":53,"attrs":3328,"content":3329},{"textAlign":64},[3330],{"text":3331,"type":68},"‍La facturación electrónica era un concepto nuevo para muchas empresas en aquel momento. Tradicionalmente, la facturación se realizaba en papel, con procesos manuales que consumían mucho tiempo. Las nuevas obligaciones implicaban adoptar una nueva forma de trabajar.",{"type":53,"attrs":3333,"content":3334},{"textAlign":64},[3335],{"text":3336,"type":68},"‍Aquí es donde entró Gerri. En aquel momento, Gerri trabajaba como Director de Innovación en un proveedor de software de compras y aprovisionamiento. Gerri vio una oportunidad en el mercado para simplificar la facturación electrónica y crear una solución que funcionara para muchas empresas. Gerri, junto con otras personas, creó su propia empresa, Digithera srl, convirtiéndose en una de las primeras compañías en ofrecer servicios de facturación electrónica en Italia.",{"type":53,"attrs":3338,"content":3339},{"textAlign":64},[3340,3342],{"text":3341,"type":68},"‍El concepto de Digithera era sencillo: \"",{"text":3343,"type":68,"marks":3344},"siga facturando como siempre lo ha hecho, nosotros nos encargamos del resto”.",[3345],{"type":3346},"italic",{"type":53,"attrs":3348,"content":3349},{"textAlign":64},[3350],{"text":3351,"type":68},"‍Así de sencillo. Gerri sabía que muchas empresas no tenían el tiempo ni la experiencia para preocuparse por las obligaciones, formatos y canales de la facturación electrónica. Su solución tenía que hacer todo el trabajo por ellas. Desde recibir la factura, convertirla al formato adecuado para el sistema de facturación electrónica de Italia, el SdI (Sistema di Interscambio), hasta ofrecer la respuesta del SdI de una forma útil para cada empresa.",{"type":53,"attrs":3353,"content":3354},{"textAlign":64},[3355],{"text":155,"type":68},{"type":61,"attrs":3357,"content":3358},{"level":3318,"textAlign":64},[3359],{"text":3360,"type":68},"¿Qué ocurrió después de 2014?",{"type":91,"content":3362},[3363,3370,3377],{"type":94,"content":3364},[3365],{"type":53,"attrs":3366,"content":3367},{"textAlign":64},[3368],{"text":3369,"type":68},"Abril de 2015: la facturación electrónica pasó a ser obligatoria para todas las entidades B2G.",{"type":94,"content":3371},[3372],{"type":53,"attrs":3373,"content":3374},{"textAlign":64},[3375],{"text":3376,"type":68},"Enero de 2019: la obligación se extendió a las facturas de empresa a empresa (B2B), excluyendo a las empresas con una facturación inferior a 65.000 € y a los médicos, debido a la protección de datos del RGPD.",{"type":94,"content":3378},[3379,3384],{"type":53,"attrs":3380,"content":3381},{"textAlign":64},[3382],{"text":3383,"type":68},"Julio de 2022: la facturación electrónica obligatoria cubre las transacciones transfronterizas y las empresas con ingresos inferiores a 65.000 €.",{"type":53,"attrs":3385},{"textAlign":64},{"type":53,"attrs":3387,"content":3388},{"textAlign":64},[3389],{"text":155,"type":68},{"type":61,"attrs":3391,"content":3392},{"level":3318,"textAlign":64},[3393],{"text":3394,"type":68},"¿Cómo afectaron las obligaciones a las empresas italianas?",{"type":53,"attrs":3396,"content":3397},{"textAlign":64},[3398],{"text":3399,"type":68},"‍Las empresas primero tuvieron que entender los procedimientos y lo que el SdI significaba para ellas. Al preguntarle a Gerri cómo explicaría el SdI a una empresa no italiana:",{"type":53,"attrs":3401,"content":3402},{"textAlign":64},[3403,3404],{"text":155,"type":68},{"type":2524,"attrs":3405},{"id":3406,"alt":8,"src":3407,"title":8,"source":8,"copyright":8,"meta_data":3408},91850333569042,"https://a.storyblok.com/f/318078/4167x834/234b723ac9/6447eb8ba261405f8ee245b8_soundbites-gerri-blog-en-2.png",{},{"type":53,"attrs":3410,"content":3411},{"textAlign":64},[3412],{"text":3413,"type":68},"El SdI es, en esencia, un portal de validación de facturas. Entran las facturas de cuentas por cobrar (AR), se validan y salen las facturas de cuentas por pagar (AP).",{"type":53,"attrs":3415,"content":3416},{"textAlign":64},[3417],{"text":3418,"type":68},"‍Italia fue uno de los primeros países en crear su propio sistema. Un sistema cooperativo que conectaba los sistemas de AR y AP de las empresas. Al conectar ambos, el fraude disminuye. Las empresas ya no pueden crear una factura falsa, ya que deben demostrar que un sistema de AR se corresponde con la factura en el otro extremo, y viceversa.",{"type":53,"attrs":3420,"content":3421},{"textAlign":64},[3422],{"text":3423,"type":68},"‍Pero el SdI hace más que validar y entregar facturas. El SdI se comunica con el usuario. El SdI ofrece respuesta, informando a las empresas de cuándo se ha recibido o entregado su factura, o si se ha producido algún problema.",{"type":53,"attrs":3425,"content":3426},{"textAlign":64},[3427],{"text":155,"type":68},{"type":61,"attrs":3429,"content":3430},{"level":3318,"textAlign":64},[3431],{"text":3432,"type":68},"¿Qué significa esto para el profesional medio de una empresa?",{"type":53,"attrs":3434,"content":3435},{"textAlign":64},[3436,3437],{"text":155,"type":68},{"type":2524,"attrs":3438},{"id":3439,"alt":8,"src":3440,"title":8,"source":8,"copyright":8,"meta_data":3441},91850481524757,"https://a.storyblok.com/f/318078/4167x834/1641ba67aa/6447ebc82048c825734d5bed_soundbites-gerri-blog-en-3.png",{},{"type":53,"attrs":3443,"content":3444},{"textAlign":64},[3445],{"text":3446,"type":68},"Incluso antes de que entraran en vigor las obligaciones B2B de 2019, muchas empresas ya habían empezado a utilizar proveedores de facturación electrónica. ¿La razón? Procesos optimizados sin trabajo adicional. Los proveedores de facturación electrónica convierten las facturas de una empresa al formato elegido por el SdI (FatturaPA), distribuyen los archivos al SdI y, a menudo, también ofrecen respuesta a la empresa.",{"type":53,"attrs":3448,"content":3449},{"textAlign":64},[3450],{"text":3451,"type":68},"‍Esto transforma la forma de trabajar de las empresas. Se acabaron los procesos manuales; ahora hay un proceso automático y fluido, con respuesta inmediata sobre las facturas y una conciliación más rápida.",{"type":53,"attrs":3453,"content":3454},{"textAlign":64},[3455],{"text":155,"type":68},{"type":61,"attrs":3457,"content":3458},{"level":3318,"textAlign":64},[3459],{"text":3460,"type":68},"¿Qué es lo siguiente para Italia?",{"type":53,"attrs":3462,"content":3463},{"textAlign":64},[3464],{"text":3465,"type":68},"‍Entonces, ¿hacia dónde irá Italia a continuación?",{"type":53,"attrs":3467,"content":3468},{"textAlign":64},[3469,3471,3478],{"text":3470,"type":68},"‍Gerri prevé que las soluciones de facturación electrónica serán cada vez más competitivas. Las empresas buscarán cambiar de ",{"text":3472,"type":68,"marks":3473},"proveedores",[3474],{"type":105,"attrs":3475},{"href":2473,"uuid":3476,"anchor":64,"custom":3477,"target":110,"linktype":111},"6128b257-5ec5-47b9-ac23-13eef5fe6180",{},{"text":3479,"type":68},". Buscarán el mejor servicio, con servicios auxiliares adicionales que les permitan beneficiarse aún más de la facturación electrónica.",{"type":53,"attrs":3481,"content":3482},{"textAlign":64},[3483,3485,3492],{"text":3484,"type":68},"‍Esto supone una gran oportunidad para las empresas. Desde utilizar la funcionalidad de pago en las facturas para conseguir ",{"text":3486,"type":68,"marks":3487},"pagos más rápidos",[3488],{"type":105,"attrs":3489},{"href":2487,"uuid":3490,"anchor":64,"custom":3491,"target":110,"linktype":111},"8d84dfa1-2b77-4c8d-839e-f2c06fd7f704",{},{"text":3493,"type":68},", hasta aprovechar la conciliación y el cotejo automático de facturas. Todas ellas, funcionalidades que reducen las tareas administrativas manuales de una empresa.",{"type":53,"attrs":3495,"content":3496},{"textAlign":64},[3497],{"text":155,"type":68},{"type":61,"attrs":3499,"content":3500},{"level":3318,"textAlign":64},[3501],{"text":3502,"type":68},"En general, ¿ha cerrado la facturación electrónica la brecha del IVA en Italia?",{"type":53,"attrs":3504,"content":3505},{"textAlign":64},[3506],{"text":3507,"type":68},"‍Hasta ahora, el gobierno ha recuperado aproximadamente 4.000 millones de euros al año. Pero, ¿se puede cerrar la brecha por completo? Gerri no ve por qué no. Y espera que otros países europeos sigan su ejemplo. Italia ha demostrado cómo la introducción de la facturación electrónica obligatoria puede ser un proceso fluido, beneficioso tanto para las empresas como para el gobierno.",{"type":53,"attrs":3509,"content":3510},{"textAlign":64},[3511],{"text":3512,"type":68},"‍Pero elegir el proveedor adecuado es clave. Las empresas necesitan mantener el cumplimiento normativo con facilidad mientras disfrutan de las ventajas y oportunidades de la facturación electrónica.",{"type":53,"attrs":3514,"content":3515},{"textAlign":64},[3516,3517,3523,3525,3530],{"text":155,"type":68},{"text":3518,"type":68,"marks":3519},"La oferta de facturación de Banqup Group",[3520],{"type":105,"attrs":3521},{"href":2473,"uuid":3476,"anchor":64,"custom":3522,"target":110,"linktype":111},{},{"text":3524,"type":68},", y las competencias de miembros del equipo como Gerri, muestran a las empresas cómo pueden beneficiarse de la facturación electrónica sin trabajo adicional. Facture como siempre lo ha hecho, pero benefíciese de ",{"text":3486,"type":68,"marks":3526},[3527],{"type":105,"attrs":3528},{"href":2487,"uuid":3490,"anchor":64,"custom":3529,"target":110,"linktype":111},{},{"text":3531,"type":68},", procesos más fluidos y menos tareas administrativas manuales.",{"_uid":3533,"cards":3534,"buttons":5525,"heading":4065,"tagline":8,"component":1584,"background":48,"description":5526},"3e12f514-5438-4714-bf1a-3e3aaee23d7f",[3535,4586,5090,3879],{"name":3536,"created_at":3537,"published_at":3538,"updated_at":3539,"id":3540,"uuid":3541,"content":3542,"slug":4569,"full_slug":4570,"sort_by_date":4571,"position":4572,"tag_list":4573,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4574,"first_published_at":4575,"release_id":64,"lang":514,"path":64,"alternates":4576,"default_full_slug":4577,"translated_slugs":4578,"_stopResolving":55},"Post-audit vs clearance electronic invoicing models","2025-09-17T10:21:31.016Z","2026-09-11T12:55:56.559Z","2026-09-11T12:55:56.588Z",91811393642897,"d8fb3a2f-0978-4a9f-b0e0-50103898aa4e",{"seo":3543,"_uid":3547,"body":3548,"image":4553,"theme":8,"title":3556,"author":4557,"related":4559,"summary":4560,"category":4567,"component":2092,"createdOn":8,"description":4566,"relatedCountries":4568,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3544,"title":3545,"plugin":34,"description":3546},"943632ea-5d9a-4bec-bdd2-048bdb492313","Modelo posterior a la auditoría vs modelo de liquidación en facturación electrónica | Blog - Banqup","¿Cuáles son las diferencias entre los modelos de facturación electrónica posterior a la auditoría y de liquidación? Descubra los dos modelos con Banqup Group.","61c790da-6b3f-4461-87d3-ecd449918c5d",[3549,3560,3704],{"_uid":3550,"align":8,"image":3551,"theme":48,"buttons":3555,"columns":647,"heading":3556,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3557,"invertTextColor":55},"7a5452aa-6ba0-40a4-a915-b7ad45264c0f",{"id":3552,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3553,"copyright":8,"fieldtype":15,"meta_data":3554,"is_external_url":17},96024780943353,"https://a.storyblok.com/f/318078/1925x510/4aa5c5b983/post-audit-vs-clearance.png",{},[],"Modelos de facturación electrónica posterior a la auditoría y de liquidación",{"type":50,"content":3558},[3559],{"type":53},{"_uid":3561,"text":3562,"component":505,"background":48},"7f4d72ec-a219-4de9-98f7-52dc766c9c6f",{"type":50,"content":3563},[3564,3569,3574,3576,3578,3583,3588,3593,3598,3602,3607,3621,3626,3640,3645,3650,3685,3689,3694,3699],{"type":53,"attrs":3565,"content":3566},{"textAlign":64},[3567],{"text":3568,"type":68},"A medida que las obligaciones de facturación electrónica se extienden por todo el mundo, las empresas deberán cumplir con más de un país, modelo u obligación para cubrir las transacciones transfronterizas. Por ello, resulta útil entender los modelos más comunes y cómo funcionan en la práctica.",{"type":53,"attrs":3570,"content":3571},{"textAlign":64},[3572],{"text":3573,"type":68},"‍Ningún modelo es exactamente igual, pero, a grandes rasgos, muchos requisitos obligatorios pueden agruparse en uno de dos modelos: el modelo posterior a la auditoría y el modelo de liquidación.",{"type":53,"attrs":3575},{"textAlign":64},{"type":53,"attrs":3577},{"textAlign":64},{"type":61,"attrs":3579,"content":3580},{"level":3318,"textAlign":64},[3581],{"text":3582,"type":68},"¿Cómo funciona el modelo posterior a la auditoría?",{"type":53,"attrs":3584,"content":3585},{"textAlign":64},[3586],{"text":3587,"type":68},"‍El modelo posterior a la auditoría exige a las empresas crear, conservar y declarar las facturas, sin que la administración tributaria intervenga en el proceso.",{"type":53,"attrs":3589,"content":3590},{"textAlign":64},[3591],{"text":3592,"type":68},"‍Dentro de este modelo, las empresas deben garantizar que sus facturas sean auténticas, legibles y estén debidamente registradas, lo que implica mantener informada a la administración tributaria mediante declaraciones periódicas. La integridad y la autenticidad pueden garantizarse mediante una firma electrónica o un proceso empresarial que sirva de evidencia de la trazabilidad del documento.",{"type":53,"attrs":3594,"content":3595},{"textAlign":64},[3596],{"text":3597,"type":68},"‍La administración tributaria también puede llevar a cabo auditorías aleatorias durante un determinado período tras una transacción. Por ello, las empresas deben mantener un registro de facturas para cumplir con la normativa. El plazo mínimo de conservación de ese registro varía según el país.",{"type":53,"attrs":3599,"content":3600},{"textAlign":64},[3601],{"text":155,"type":68},{"type":61,"attrs":3603,"content":3604},{"level":3318,"textAlign":64},[3605],{"text":3606,"type":68},"¿Cómo funciona el modelo de liquidación?",{"type":53,"attrs":3608,"content":3609},{"textAlign":64},[3610,3612,3619],{"text":3611,"type":68},"‍El modelo de liquidación implica a tres partes: el vendedor, la administración tributaria y el comprador. Dentro de este modelo, la administración tributaria debe «liquidar» (validar) ",{"text":3613,"type":68,"marks":3614},"las facturas electrónicas",[3615],{"type":105,"attrs":3616},{"href":3294,"uuid":3295,"anchor":64,"custom":3617,"target":110,"linktype":111,"story":3618},{},{"name":3298,"id":3299,"uuid":3295,"slug":3300,"url":3301,"translated_name":3302,"full_slug":3303,"_stopResolving":55},{"text":3620,"type":68}," antes de que puedan enviarse.",{"type":53,"attrs":3622,"content":3623},{"textAlign":64},[3624],{"text":3625,"type":68},"‍En comparación con el modelo posterior a la auditoría, el modelo de liquidación supervisa y realiza el seguimiento de las facturas a un nivel mucho más alto. Las facturas deben enviarse y registrarse ante la administración tributaria, garantizando así la prueba tanto del comprador como del receptor. Esto proporciona a la administración tributaria una visibilidad total de la actividad económica.",{"type":53,"attrs":3627,"content":3628},{"textAlign":64},[3629,3631,3638],{"text":3630,"type":68},"Países como Italia, que han sido ",{"text":3632,"type":68,"marks":3633},"pioneros en la facturación electrónica obligatoria",[3634],{"type":105,"attrs":3635},{"href":3636,"uuid":3251,"anchor":64,"custom":3637,"target":110,"linktype":111},"/es/resources/blog/italia-lidera-facturacion-electronica-gerri-cipollini",{},{"text":3639,"type":68},", se han beneficiado del modelo de liquidación desde hace tiempo. El uso de un modelo de liquidación por parte del país, combinado con casi el 100 % de la facturación electrónica B2B obligatoria, ha ayudado a recuperar miles de millones en IVA empresarial.",{"type":53,"attrs":3641,"content":3642},{"textAlign":64},[3643],{"text":3644,"type":68},"‍México, pionero en la digitalización fiscal, también utiliza el modelo de liquidación. El país hizo obligatoria la facturación electrónica junto con la declaración en tiempo real a la administración tributaria. El modelo mexicano exige a las empresas enviar las facturas a proveedores de servicios terceros certificados, quienes son entonces responsables de remitirlas a la administración tributaria.",{"type":53,"attrs":3646,"content":3647},{"textAlign":64},[3648],{"text":3649,"type":68},"‍En términos de cumplimiento fiscal, el modelo de liquidación ofrece numerosas ventajas tanto para las empresas como para la administración tributaria. Por ello, aunque el modelo posterior a la auditoría sigue siendo popular en Europa, muchas administraciones están adoptando el modelo de liquidación. Los motivos de esta adopción incluyen:   ",{"type":91,"content":3651},[3652,3663,3674],{"type":94,"content":3653},[3654],{"type":53,"attrs":3655,"content":3656},{"textAlign":64},[3657,3661],{"text":3658,"type":68,"marks":3659},"Comunicación estructurada",[3660],{"type":71},{"text":3662,"type":68}," – Una visión del impuesto en tiempo real, que ayuda a reducir el fraude fiscal. ",{"type":94,"content":3664},[3665],{"type":53,"attrs":3666,"content":3667},{"textAlign":64},[3668,3672],{"text":3669,"type":68,"marks":3670},"Automatización",[3671],{"type":71},{"text":3673,"type":68}," – Elimina la declaración fiscal manual y la probabilidad de errores.",{"type":94,"content":3675},[3676],{"type":53,"attrs":3677,"content":3678},{"textAlign":64},[3679,3683],{"text":3680,"type":68,"marks":3681},"Recuperación de ingresos",[3682],{"type":71},{"text":3684,"type":68}," – Los gobiernos pueden aumentar sus ingresos gracias al cumplimiento fiscal de las empresas.",{"type":53,"attrs":3686,"content":3687},{"textAlign":64},[3688],{"text":155,"type":68},{"type":61,"attrs":3690,"content":3691},{"level":3318,"textAlign":64},[3692],{"text":3693,"type":68},"Descubra más sobre los distintos modelos de cumplimiento fiscal",{"type":53,"attrs":3695,"content":3696},{"textAlign":64},[3697],{"text":3698,"type":68},"‍Ahora que ya conoce los modelos posterior a la auditoría y de liquidación, amplíe aún más sus conocimientos profundizando en los distintos modelos de cumplimiento fiscal dentro de estas dos categorías.",{"type":53,"attrs":3700,"content":3701},{"textAlign":64},[3702],{"text":3703,"type":68},"‍Desde la declaración en tiempo real hasta el CTC y el intercambio descentralizados. A medida que más países hacen obligatoria la facturación electrónica, surgen más modelos y variaciones.",{"_uid":3705,"cards":3706,"buttons":4549,"heading":4065,"tagline":8,"component":1584,"background":48,"description":4550},"72b1b954-9463-47f1-84c0-159e9382d2bf",[3707,4389,3879],{"name":3708,"created_at":3709,"published_at":3710,"updated_at":3711,"id":3712,"uuid":3713,"content":3714,"slug":4372,"full_slug":4373,"sort_by_date":4374,"position":4375,"tag_list":4376,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4377,"first_published_at":4378,"release_id":64,"lang":514,"path":64,"alternates":4379,"default_full_slug":4380,"translated_slugs":4381,"_stopResolving":55},"Spain’s mandatory B2B electronic invoicing announcement","2025-09-17T10:14:25.345Z","2026-09-14T07:56:39.047Z","2026-09-14T07:56:39.086Z",91809650088721,"9d3b77a6-d430-4936-a40c-79cc3071e711",{"seo":3715,"_uid":3719,"body":3720,"image":4356,"theme":8,"title":3728,"author":4360,"related":4361,"summary":4362,"category":4369,"component":2092,"createdOn":8,"description":4368,"relatedCountries":4370,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3716,"title":3717,"plugin":34,"description":3718},"ced13a39-c0d7-4c9a-9f02-cd145ac0ed67","El último anuncio de facturación electrónica de España | Blog - Banqup","Descubra la normativa de facturación electrónica B2B y las próximas obligaciones en España en este reciente anuncio sobre facturación electrónica.","c0468bfb-2169-4301-9243-d55ea498a201",[3721,3732,3876],{"_uid":3722,"align":8,"image":3723,"theme":48,"buttons":3727,"columns":647,"heading":3728,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3729,"invertTextColor":55},"82feef5c-29fb-4c16-bce4-3dd06ce726f2",{"id":3724,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3725,"copyright":8,"fieldtype":15,"meta_data":3726,"is_external_url":17},102446550799658,"https://a.storyblok.com/f/318078/1925x510/2a68591c28/spain-s-mandatory-b2b-electronic-invoicing-announcement.png",{},[],"Anuncio de la obligación de facturación electrónica B2B en España",{"type":50,"content":3730},[3731],{"type":53},{"_uid":3733,"text":3734,"component":505,"background":48},"64538572-1a9f-4fac-bd9f-7fdfc658ff0c",{"type":50,"content":3735},[3736,3741,3756,3760,3765,3776,3790,3795,3799,3804,3809,3825,3829,3834,3839,3844,3848,3853,3858,3863],{"type":53,"attrs":3737,"content":3738},{"textAlign":64},[3739],{"text":3740,"type":68},"Los planes de facturación electrónica B2B de España han evolucionado considerablemente desde la publicación original de este artículo en 2022. Aunque el anuncio inicial reflejaba la información disponible en aquel momento, los plazos y requisitos de implementación actuales han cambiado. Ahora es poco probable que la facturación electrónica obligatoria comience antes de 2027.",{"type":53,"attrs":3742,"content":3743},{"textAlign":64},[3744,3746,3754],{"text":3745,"type":68},"Para obtener la información más reciente y precisa, consulte ",{"text":3747,"type":68,"marks":3748},"nuestro artículo actualizado sobre la normativa de facturación electrónica en España aquí",[3749],{"type":105,"attrs":3750},{"href":3751,"uuid":3752,"anchor":64,"custom":3753,"target":110,"linktype":111},"/es/resources/blog/facturacion-electronica-b2b-obligatoria-espana-real-decreto","27f543e2-8427-4764-b40a-4767244006fc",{},{"text":3755,"type":68},". Este artículo ofrece el estado actual, incluidas las últimas actualizaciones normativas y los plazos previstos para el cumplimiento.",{"type":53,"attrs":3757,"content":3758},{"textAlign":64},[3759],{"text":155,"type":68},{"type":61,"attrs":3761,"content":3762},{"level":3318,"textAlign":64},[3763],{"text":3764,"type":68},"El anuncio más reciente del gobierno español",{"type":53,"attrs":3766,"content":3767},{"textAlign":64},[3768,3770,3774],{"text":3769,"type":68},"‍El 29 de septiembre de 2022, el proyecto español «Crea y Crece» se publicó oficialmente en el ",{"text":3771,"type":68,"marks":3772},"Boletín Oficial del Estado",[3773],{"type":3346},{"text":3775,"type":68}," (BOE). Siguiendo la tendencia de muchos otros países europeos, esta publicación detallaba la obligación de España en materia de facturación electrónica entre empresas (B2B), con el objetivo de mejorar la transparencia y la visibilidad de las facturas comerciales.",{"type":53,"attrs":3777,"content":3778},{"textAlign":64},[3779,3781,3788],{"text":3780,"type":68},"‍De acuerdo con la Ley 18/2022, de 28 de septiembre, todas las empresas deben poder crear, enviar y recibir ",{"text":3782,"type":68,"marks":3783},"facturas electrónicas",[3784],{"type":105,"attrs":3785},{"href":3294,"uuid":3295,"anchor":64,"custom":3786,"target":110,"linktype":111,"story":3787},{},{"name":3298,"id":3299,"uuid":3295,"slug":3300,"url":3301,"translated_name":3302,"full_slug":3303,"_stopResolving":55},{"text":3789,"type":68}," (e-facturas). Cada empresa debe disponer de una solución y poder facilitar al gobierno español información específica sobre el estado de cada factura.",{"type":53,"attrs":3791,"content":3792},{"textAlign":64},[3793],{"text":3794,"type":68},"‍Además, la ley está estableciendo los requisitos técnicos, las soluciones y las plataformas que garantizarán la interoperabilidad de la facturación electrónica con otras soluciones del mercado.",{"type":53,"attrs":3796,"content":3797},{"textAlign":64},[3798],{"text":155,"type":68},{"type":61,"attrs":3800,"content":3801},{"level":3318,"textAlign":64},[3802],{"text":3803,"type":68},"Plazos previstos y empresas afectadas",{"type":53,"attrs":3805,"content":3806},{"textAlign":64},[3807],{"text":3808,"type":68},"‍Al igual que muchos países que implementan la facturación electrónica obligatoria, España aplicará las obligaciones a las empresas mediante un enfoque escalonado. Aunque las fechas exactas aún están por confirmar, estos son los plazos previstos actualmente:   ",{"type":91,"content":3810},[3811,3818],{"type":94,"content":3812},[3813],{"type":53,"attrs":3814,"content":3815},{"textAlign":64},[3816],{"text":3817,"type":68},"Segundo trimestre de 2025 (un año después de la aprobación del desarrollo reglamentario): para toda empresa con una facturación anual superior a 8 millones de euros.  ",{"type":94,"content":3819},[3820],{"type":53,"attrs":3821,"content":3822},{"textAlign":64},[3823],{"text":3824,"type":68},"Segundo trimestre de 2026 (dos años después de la aprobación del desarrollo reglamentario): para el resto de las empresas.",{"type":53,"attrs":3826,"content":3827},{"textAlign":64},[3828],{"text":155,"type":68},{"type":61,"attrs":3830,"content":3831},{"level":3318,"textAlign":64},[3832],{"text":3833,"type":68},"Requisitos actuales de facturación electrónica en España",{"type":53,"attrs":3835,"content":3836},{"textAlign":64},[3837],{"text":3838,"type":68},"‍En España, la facturación electrónica obligatoria se aplica a las facturas entre empresas y administraciones públicas (B2G) que superen los 5.000 €. Dichas obligaciones se mantendrán en vigor mientras se aprueba la normativa.",{"type":53,"attrs":3840,"content":3841},{"textAlign":64},[3842],{"text":3843,"type":68},"‍Dado que las obligaciones B2G ya afectan a muchas empresas españolas, la nueva normativa no supondrá una gran disrupción para las empresas que ya están acostumbradas a las prácticas de facturación electrónica.",{"type":53,"attrs":3845,"content":3846},{"textAlign":64},[3847],{"text":155,"type":68},{"type":61,"attrs":3849,"content":3850},{"level":3318,"textAlign":64},[3851],{"text":3852,"type":68},"Soluciones de facturación electrónica para empresas españolas",{"type":53,"attrs":3854,"content":3855},{"textAlign":64},[3856],{"text":3857,"type":68},"‍En Banqup Group, nos enorgullecemos de nuestra solución de facturación electrónica conforme a la normativa fiscal.",{"type":53,"attrs":3859,"content":3860},{"textAlign":64},[3861],{"text":3862,"type":68},"‍Nuestra solución de facturación electrónica está disponible para que las empresas españolas creen, envíen y reciban formatos electrónicos en cualquier formato y a través de cualquier canal. Con nosotros, las empresas en España pueden conectarse a más de 60 plataformas gubernamentales de todo el mundo y a más de 100 redes de interoperabilidad. Además, se benefician de servicios de valor añadido como pagos electrónicos, firmas digitales y flujos de trabajo automatizados.  ",{"type":53,"attrs":3864,"content":3865},{"textAlign":64},[3866,3868,3874],{"text":3867,"type":68},"‍Descubra nuestra ",{"text":3869,"type":68,"marks":3870},"solución de facturación electrónica",[3871],{"type":105,"attrs":3872},{"href":2473,"uuid":3476,"anchor":64,"custom":3873,"target":110,"linktype":111},{},{"text":3875,"type":68}," hoy mismo y allane el camino hacia el cumplimiento de la próxima normativa.",{"_uid":3877,"cards":3878,"buttons":4352,"heading":4065,"tagline":8,"component":1584,"background":48,"description":4353},"80596f6d-17df-4732-9487-1a4408469867",[3879,3880,4099],"f2084b9a-4dad-4f1b-8f1c-c0873ab287aa",{"name":3881,"created_at":3882,"published_at":3883,"updated_at":3884,"id":3885,"uuid":3886,"content":3887,"slug":4082,"full_slug":4083,"sort_by_date":4084,"position":4085,"tag_list":4086,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4087,"first_published_at":4088,"release_id":64,"lang":514,"path":64,"alternates":4089,"default_full_slug":4090,"translated_slugs":4091,"_stopResolving":55},"The evolution of Peppol electronic invoicing in Singapore","2025-09-17T10:08:05.570Z","2026-09-11T13:47:12.754Z","2026-09-11T13:47:12.783Z",91808094551480,"f6facd43-a5d7-47a9-b0df-dd593eb01ccb",{"seo":3888,"_uid":3892,"body":3893,"image":4069,"theme":8,"title":3901,"author":4073,"related":4074,"summary":4075,"category":4078,"component":2092,"createdOn":8,"description":4079,"relatedCountries":4080,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":3889,"title":3890,"plugin":34,"description":3891},"fd9fb27c-3efc-4e28-90e8-2c8c52f5d77a","La evolución de la facturación electrónica Peppol en Singapur | Blog - Banqup","Descubra con Banqup Group cómo ha evolucionado el uso de la facturación electrónica Peppol en Singapur.","d7cbbd92-2c88-45aa-8c6b-b9a18bbdd348",[3894,3905,4058],{"_uid":3895,"align":8,"image":3896,"theme":48,"buttons":3900,"columns":647,"heading":3901,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":3902,"invertTextColor":55},"518f8d02-db72-482d-a758-7ebd51955b39",{"id":3897,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3898,"copyright":8,"fieldtype":15,"meta_data":3899,"is_external_url":17},102417239698175,"https://a.storyblok.com/f/318078/1925x510/9d0f48b931/the-evolution-of-peppol-electronic-invoicing-in-singapore.png",{},[],"La evolución de la facturación electrónica Peppol en Singapur",{"type":50,"content":3903},[3904],{"type":53},{"_uid":3906,"text":3907,"component":505,"background":48},"b5ec49e9-a267-41e7-889c-1d65b81619d9",{"type":50,"content":3908},[3909,3914,3916,3921,3933,3946,3950,3955,3960,3965,3969,3983,3987,3992,3997,4001,4015,4019,4024,4029,4034,4038,4043],{"type":53,"attrs":3910,"content":3911},{"textAlign":64},[3912],{"text":3913,"type":68},"En 2019 la Infocomm Media Development Authority (IMDA) puso en marcha una iniciativa nacional de facturación electrónica en Singapur. IMDA optó por la facturación electrónica Peppol, convirtiendo a Singapur en el primer país fuera de Europa en adoptar Peppol como estándar nacional de facturación electrónica.",{"type":53,"attrs":3915},{"textAlign":64},{"type":61,"attrs":3917,"content":3918},{"level":3318,"textAlign":64},[3919],{"text":3920,"type":68},"¿Qué es Peppol?",{"type":53,"attrs":3922,"content":3923},{"textAlign":64},[3924,3926,3931],{"text":3925,"type":68},"‍Peppol es una red y un conjunto de especificaciones para la ",{"text":3290,"type":68,"marks":3927},[3928],{"type":105,"attrs":3929},{"href":3294,"uuid":3295,"anchor":64,"custom":3930,"target":110,"linktype":111},{},{"text":3932,"type":68},". Peppol comenzó como una iniciativa europea y ahora crece a escala mundial. Actualmente presente en más de 30 países, entre ellos Singapur, Australia y Nueva Zelanda. Países como Japón se sumarán pronto a la lista y contribuirán a los más de 100 millones de transacciones anuales de Peppol.",{"type":53,"attrs":3934,"content":3935},{"textAlign":64},[3936,3938,3945],{"text":3937,"type":68},"‍Descubra aún más sobre Peppol en nuestro blog ",{"text":3920,"type":68,"marks":3939},[3940],{"type":105,"attrs":3941},{"href":3942,"uuid":3943,"anchor":64,"custom":3944,"target":110,"linktype":111},"/es/resources/blog/que-es-peppol","491a1825-3c21-4ec0-8c66-063c98a3c8cf",{},{"text":776,"type":68},{"type":53,"attrs":3947,"content":3948},{"textAlign":64},[3949],{"text":155,"type":68},{"type":61,"attrs":3951,"content":3952},{"level":3318,"textAlign":64},[3953],{"text":3954,"type":68},"Cómo se benefician las empresas de Singapur",{"type":53,"attrs":3956,"content":3957},{"textAlign":64},[3958],{"text":3959,"type":68},"‍El gobierno de Singapur promueve activamente los beneficios de la facturación electrónica. Desde la reducción de los tiempos de procesamiento de facturas, hasta los beneficios para la economía verde, pasando por la mejora de la precisión de las facturas.",{"type":53,"attrs":3961,"content":3962},{"textAlign":64},[3963],{"text":3964,"type":68},"‍Otro beneficio adicional, y quizás el más importante para las empresas, es el ahorro de costes de todo el proceso de facturación electrónica. En comparación con el procesamiento tradicional de facturas en papel, la facturación electrónica automatizada puede reducir significativamente los costes en la mayoría de los casos.",{"type":53,"attrs":3966,"content":3967},{"textAlign":64},[3968],{"text":155,"type":68},{"type":2284,"content":3970},[3971],{"type":53,"attrs":3972,"content":3973},{"textAlign":64},[3974,3975,3979],{"text":155,"type":68},{"text":3976,"type":68,"marks":3977},"«Animamos a todas las empresas a adoptar InvoiceNow para optimizar su proceso de facturación y, al mismo tiempo, reducir los costes derivados de la corrección de errores manuales». ",[3978],{"type":3346},{"text":3980,"type":68,"marks":3981},"Bill Xiao, subdirector de la Oficina del Proyecto de Facturación Electrónica de IMDA.",[3982],{"type":71},{"type":53,"attrs":3984,"content":3985},{"textAlign":64},[3986],{"text":155,"type":68},{"type":61,"attrs":3988,"content":3989},{"level":3318,"textAlign":64},[3990],{"text":3991,"type":68},"Una red segura",{"type":53,"attrs":3993,"content":3994},{"textAlign":64},[3995],{"text":3996,"type":68},"‍La facturación electrónica también ofrece una mayor seguridad de red para las empresas. En Singapur, los identificadores Peppol solo se emiten a empresas que utilizan el proceso KYC (Know Your Customer, o conozca a su cliente). El proceso se realiza a través de CorpPass, la identidad digital de las empresas en Singapur.",{"type":53,"attrs":3998,"content":3999},{"textAlign":64},[4000],{"text":155,"type":68},{"type":2284,"content":4002},[4003],{"type":53,"attrs":4004,"content":4005},{"textAlign":64},[4006,4007,4011],{"text":155,"type":68},{"text":4008,"type":68,"marks":4009},"«Este proceso permite a cualquier empresa que envíe y reciba facturas a través de Peppol tener la certeza absoluta de la identidad de su socio comercial». ",[4010],{"type":3346},{"text":4012,"type":68,"marks":4013},"Director de país de Banqup en Singapur.",[4014],{"type":71},{"type":53,"attrs":4016,"content":4017},{"textAlign":64},[4018],{"text":155,"type":68},{"type":61,"attrs":4020,"content":4021},{"level":3318,"textAlign":64},[4022],{"text":4023,"type":68},"De Peppol a InvoiceNow",{"type":53,"attrs":4025,"content":4026},{"textAlign":64},[4027],{"text":4028,"type":68},"‍En septiembre de 2020, el nombre local de Peppol en Singapur pasó a ser InvoiceNow. El cambio de nombre hace clara referencia a Corporate PayNow, el popular método de pago de Singapur.",{"type":53,"attrs":4030,"content":4031},{"textAlign":64},[4032],{"text":4033,"type":68},"‍Ambos sistemas requieren el UEN (Unique Entity Number, o número único de entidad) de la empresa singapurense, lo que proporciona una experiencia más unificada para el usuario.",{"type":53,"attrs":4035,"content":4036},{"textAlign":64},[4037],{"text":155,"type":68},{"type":61,"attrs":4039,"content":4040},{"level":3318,"textAlign":64},[4041],{"text":4042,"type":68},"Banqup Group, un socio sólido",{"type":53,"attrs":4044,"content":4045},{"textAlign":64},[4046,4048,4056],{"text":4047,"type":68},"‍Banqup Group cumple con la normativa fiscal en más de 60 países y cuenta con un punto de acceso Peppol certificado en Singapur. Para hablar sobre el cumplimiento fiscal y la facturación electrónica para su empresa en Singapur, explore nuestras ",{"text":4049,"type":68,"marks":4050},"soluciones",[4051],{"type":105,"attrs":4052},{"href":4053,"uuid":4054,"anchor":64,"custom":4055,"target":110,"linktype":111},"/es/resources/compliance-pulse/requisitos-facturacion-electronica-singapur","d8e8ec04-58ab-4b5e-81c9-765c38f9e91f",{},{"text":4057,"type":68}," disponibles y póngase en contacto hoy mismo con un miembro del equipo local.",{"_uid":4059,"cards":4060,"buttons":4064,"heading":4065,"tagline":8,"component":1584,"background":48,"description":4066},"5276f60a-a5b2-4ce4-b8e1-b1b9e7f4b1ca",[4061,4062,4063],"033f89f0-ec27-45a8-935b-4e8adde9dbfb","45bab0e5-bdff-44d2-904c-cef7c677b2d7","d320b2cd-927a-4400-9800-594c0ace8736",[],"Artículos similares",{"type":50,"content":4067},[4068],{"type":53},{"id":4070,"alt":3901,"name":8,"focus":8,"title":3901,"source":8,"filename":4071,"copyright":8,"fieldtype":15,"meta_data":4072,"is_external_url":17},91808198190247,"https://a.storyblok.com/f/318078/1032x601/1a6d419e57/644509d2245f641768fa3924_blog-the-evolution-of-peppol-e-invoicing-in-singapore_website.jpg",{"alt":3881,"title":3881,"source":8,"copyright":8},[],[],{"type":50,"content":4076},[4077],{"type":53},[2090,2091,3207],"Descubra la evolución de Singapur al convertirse en uno de los primeros países fuera de Europa en optar por la facturación electrónica Peppol.",[4081],"Singapore","the-evolution-of-peppol-electronic-invoicing-in-singapore","es/resources/blog/evolucion-facturacion-electronica-peppol-singapur","2022-08-02",-2920,[],"0b2ef1d4-d42a-4432-b397-13697b6c114e","2022-08-02T13:08:00.000Z",[],"resources/blog/the-evolution-of-peppol-electronic-invoicing-in-singapore",[4092,4093,4094,4097],{"path":4090,"name":64,"lang":521,"published":64},{"path":4090,"name":64,"lang":523,"published":64},{"path":4095,"name":4096,"lang":527,"published":55},"informationen/blog/die-entwicklung-der-elektronischen-peppol-rechnungsstellung-in-singapur","Die Entwicklung der elektronischen Peppol-Rechnungsstellung in Singapur",{"path":4098,"name":3901,"lang":514,"published":55},"resources/blog/evolucion-facturacion-electronica-peppol-singapur",{"name":4100,"created_at":4101,"published_at":4102,"updated_at":4103,"id":4104,"uuid":4105,"content":4106,"slug":4335,"full_slug":4336,"sort_by_date":4337,"position":4338,"tag_list":4339,"is_startpage":17,"parent_id":2102,"meta_data":64,"group_id":4340,"first_published_at":4341,"release_id":64,"lang":514,"path":64,"alternates":4342,"default_full_slug":4343,"translated_slugs":4344,"_stopResolving":55},"VAT in the digital age","2025-09-17T09:53:29.131Z","2026-09-11T13:59:28.411Z","2026-09-11T13:59:28.435Z",91804504634486,"90066922-30dc-4834-94b3-761622eb0982",{"seo":4107,"_uid":4111,"body":4112,"image":4320,"theme":8,"title":4120,"author":4324,"related":4325,"summary":4326,"category":4333,"component":2092,"createdOn":8,"description":4332,"relatedCountries":4334,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4108,"title":4109,"plugin":34,"description":4110},"98bbfe3f-e1e4-4116-bb07-edfc25c5cbd7","El IVA en la era digital | Blog - Banqup","La Comisión Europea ha anunciado una nueva directiva: el IVA en la era digital. Descubra qué significa para las empresas europeas.","9b6fb8a6-f0b2-40bc-86aa-bb9e00b089b3",[4113,4124,4310],{"_uid":4114,"align":8,"image":4115,"theme":48,"buttons":4119,"columns":647,"heading":4120,"padding":40,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":4121,"invertTextColor":55},"8527291e-52f4-408f-bd2f-6b3d92b4af4c",{"id":4116,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4117,"copyright":8,"fieldtype":15,"meta_data":4118,"is_external_url":17},96723170739632,"https://a.storyblok.com/f/318078/1925x810/1dfd7ce296/vat-in-the-digital-age.jpg",{},[],"El IVA en la era digital",{"type":50,"content":4122},[4123],{"type":53},{"_uid":4125,"text":4126,"component":505,"background":48},"7e97d342-4b92-4d78-a998-e60a558ea92f",{"type":50,"content":4127},[4128,4133,4138,4143,4147,4152,4157,4174,4179,4183,4187,4199,4204,4209,4213,4218,4223,4228,4233,4238,4242,4247,4252,4257,4262,4267,4272,4276,4281,4286,4291,4295,4300,4305],{"type":53,"attrs":4129,"content":4130},{"textAlign":64},[4131],{"text":4132,"type":68},"La Comisión Europea (CE) ha anunciado la adopción de un nuevo paquete, el IVA en la era digital, que exige la facturación electrónica intracomunitaria obligatoria y el reporte digital obligatorio entre empresas.",{"type":53,"attrs":4134,"content":4135},{"textAlign":64},[4136],{"text":4137,"type":68},"Anunciado el 8 de diciembre de 2022 en la Directiva del IVA 2006/112/CE, la CE ha detallado las obligaciones bajo el pilar «requisitos de reporte digital 2025-2028». La directiva de la CE tiene como objetivo recuperar miles de millones de euros de IVA que se pierden cada año por facturas fraudulentas y reclamaciones de IVA fraudulentas. El nuevo paquete legislativo ayudará a los Estados miembros a demostrar en tiempo real el IVA esperado y el IVA reclamado por las empresas.",{"type":53,"attrs":4139,"content":4140},{"textAlign":64},[4141],{"text":4142,"type":68},"‍¿Qué significa esto para las empresas de los Estados miembros que aún no utilizan procesos de facturación electrónica? ¡Es hora de pasar de los procesos de facturación en papel y PDF a formatos electrónicos y estructurados!",{"type":53,"attrs":4144,"content":4145},{"textAlign":64},[4146],{"text":155,"type":68},{"type":61,"attrs":4148,"content":4149},{"level":3318,"textAlign":64},[4150],{"text":4151,"type":68},"Requisitos de reporte digital: ¿qué se ha anunciado?",{"type":53,"attrs":4153,"content":4154},{"textAlign":64},[4155],{"text":4156,"type":68},"‍La Directiva del IVA 2006/112/CE detalla dos apartados que afectan a las empresas europeas y sus procesos de facturación:",{"type":2030,"attrs":4158,"content":4159},{"order":2032},[4160,4167],{"type":94,"content":4161},[4162],{"type":53,"attrs":4163,"content":4164},{"textAlign":64},[4165],{"text":4166,"type":68},"Facturación electrónica intracomunitaria obligatoria",{"type":94,"content":4168},[4169],{"type":53,"attrs":4170,"content":4171},{"textAlign":64},[4172],{"text":4173,"type":68},"Requisito de reporte digital intracomunitario obligatorio entre empresas (B2B)",{"type":53,"attrs":4175,"content":4176},{"textAlign":64},[4177],{"text":4178,"type":68},"‍Veamos qué significa esto para una empresa media.",{"type":53,"attrs":4180,"content":4181},{"textAlign":64},[4182],{"text":155,"type":68},{"type":61,"attrs":4184,"content":4185},{"level":3318,"textAlign":64},[4186],{"text":4166,"type":68},{"type":53,"attrs":4188,"content":4189},{"textAlign":64},[4190,4192,4197],{"text":4191,"type":68},"‍La directiva establece que todas las empresas deben contar con los procesos necesarios para poder recibir y emitir ",{"text":3782,"type":68,"marks":4193},[4194],{"type":105,"attrs":4195},{"href":3294,"uuid":3295,"anchor":64,"custom":4196,"target":110,"linktype":111},{},{"text":4198,"type":68}," en sus operaciones intracomunitarias antes de 2028, cumpliendo con el estándar europeo de facturación electrónica (EN 16931). Sin embargo, no se especifica cómo deben intercambiarse las facturas entre un proveedor y un comprador.",{"type":53,"attrs":4200,"content":4201},{"textAlign":64},[4202],{"text":4203,"type":68},"‍La legislación vigente exigía que la emisión de facturas electrónicas estuviera sujeta a la aceptación del destinatario. Este requisito impedía a los Estados miembros implementar la facturación electrónica obligatoria. La directiva cambia esta situación, imponiendo la facturación electrónica como medio de facturación predeterminado. Según la propuesta, los Estados miembros pueden decidir si aplican o no la facturación electrónica obligatoria también a las operaciones B2B nacionales, con la condición de mantener el formato estructurado conforme al estándar europeo. Los sistemas de validación previa, en los que la administración tributaria valida la factura antes de enviarla al cliente, no entran dentro del ámbito de la directiva.",{"type":53,"attrs":4205,"content":4206},{"textAlign":64},[4207],{"text":4208,"type":68},"‍No obstante, los Estados miembros que ya cuenten con sistemas de facturación electrónica obligatoria deberán alinear sus requisitos de reporte con el sistema paneuropeo antes de 2028.",{"type":53,"attrs":4210,"content":4211},{"textAlign":64},[4212],{"text":155,"type":68},{"type":61,"attrs":4214,"content":4215},{"level":3318,"textAlign":64},[4216],{"text":4217,"type":68},"Requisito de reporte digital intracomunitario obligatorio entre empresas",{"type":53,"attrs":4219,"content":4220},{"textAlign":64},[4221],{"text":4222,"type":68},"‍A partir de 2028, todas las empresas deberán reportar digitalmente sus operaciones intracomunitarias entre empresas (B2B). El objetivo de esta parte de la directiva es mejorar los requisitos de reporte y, con ello, aprovechar las oportunidades que ofrece la digitalización. Oportunidades como mejorar la recaudación del IVA desde la perspectiva de las administraciones tributarias y reducir la carga y los costes de cumplimiento normativo para las empresas.",{"type":53,"attrs":4224,"content":4225},{"textAlign":64},[4226],{"text":4227,"type":68},"‍¿Qué significa esto para una empresa media? Cada empresa deberá poder reportar digitalmente cada factura B2B intracomunitaria en un plazo de dos días desde su emisión. ",{"type":53,"attrs":4229,"content":4230},{"textAlign":64},[4231],{"text":4232,"type":68},"‍Muchos Estados miembros que deseen aplicar esta parte de la directiva podrán optar por utilizar la facturación electrónica para cumplir con los requisitos de reporte digital. Las administraciones tributarias nacionales compartirán los datos a través de un nuevo sistema informático, por lo que ya no será necesario presentar los estados recapitulativos que hasta ahora enviaban las empresas. Esto significa que las empresas deberán crear una factura electrónica estructurada que se envíe a una plataforma gubernamental central con fines de reporte, o bien que el proveedor de facturación electrónica de la empresa pueda transmitir la información relevante de la factura a la administración, sin trabajo adicional para la empresa.",{"type":53,"attrs":4234,"content":4235},{"textAlign":64},[4236],{"text":4237,"type":68},"‍Los formatos y modelos de facturación electrónica son muy variados, y normalmente los determina la administración tributaria de cada Estado miembro. La nueva directiva de la CE no especifica qué formatos y modelos deben utilizarse, siempre que cumplan con el estándar europeo de facturación electrónica (EN 16931) y garanticen la interoperabilidad con él.",{"type":53,"attrs":4239,"content":4240},{"textAlign":64},[4241],{"text":155,"type":68},{"type":61,"attrs":4243,"content":4244},{"level":3318,"textAlign":64},[4245],{"text":4246,"type":68},"¿Cuál es el objetivo de las nuevas directivas?",{"type":53,"attrs":4248,"content":4249},{"textAlign":64},[4250],{"text":4251,"type":68},"‍El objetivo principal es cerrar la brecha del IVA en Europa, que actualmente asciende a miles de millones de euros en todos los Estados miembros. Al reportar cada factura intracomunitaria entre empresas, los Estados miembros pueden demostrar el IVA declarado y el IVA esperado. Esto reduce las reclamaciones fraudulentas de IVA y facilita mayores ingresos por IVA.",{"type":53,"attrs":4253,"content":4254},{"textAlign":64},[4255],{"text":4256,"type":68},"‍¿Y cuál es el objetivo para las empresas? A primera vista, puede parecer que las nuevas directivas no favorecen a las empresas. Sin embargo, las directivas ofrecen a las empresas una gran oportunidad.",{"type":53,"attrs":4258,"content":4259},{"textAlign":64},[4260],{"text":4261,"type":68},"‍Las empresas tienen la oportunidad de analizar en profundidad todo su proceso de cadena de suministro y evaluar si sus procesos de compra a pago y de pedido a cobro pueden ser más eficientes. La facturación electrónica crea esta oportunidad al reducir las tareas manuales de facturación y mejorar la visibilidad de las facturas y los pagos.",{"type":53,"attrs":4263,"content":4264},{"textAlign":64},[4265],{"text":4266,"type":68},"‍Y los beneficios no terminan ahí. La CE también busca mejorar la digitalización empresarial. La facturación electrónica es el primer paso, pero una vez que las empresas ya están creando procesos electrónicos, ¿por qué no llegar hasta la digitalización completa de compra a pago y de pedido a cobro? Procesar facturas automáticamente, integrar documentos y datos en cualquier formato en los sistemas ERP y contables existentes, y eliminar la necesidad de tareas financieras manuales que consumen tiempo en la cadena de suministro.",{"type":53,"attrs":4268,"content":4269},{"textAlign":64},[4270],{"text":4271,"type":68},"‍La automatización digital completa (100 %) de la empresa es la respuesta. La obligatoriedad de la facturación electrónica es el primer paso para que muchas empresas alcancen todo su potencial.",{"type":53,"attrs":4273,"content":4274},{"textAlign":64},[4275],{"text":155,"type":68},{"type":61,"attrs":4277,"content":4278},{"level":3318,"textAlign":64},[4279],{"text":4280,"type":68},"¿Funcionarán las nuevas directivas?",{"type":53,"attrs":4282,"content":4283},{"textAlign":64},[4284],{"text":4285,"type":68},"‍En todo el mundo ya existen numerosos casos en los que la facturación electrónica está ayudando a cerrar la brecha del IVA. Países como Italia, que cuenta con una facturación electrónica obligatoria casi al 100 %, ha recuperado miles de millones en su corta historia de procesos obligatorios.",{"type":53,"attrs":4287,"content":4288},{"textAlign":64},[4289],{"text":4290,"type":68},"‍Desde entonces, muchos países han implantado procesos B2G. Dado que los Estados miembros tendrán que implantar una solución o sistema para cumplir con los requisitos de reporte digital B2B, podrían verse animados a ir más allá y hacer obligatoria la facturación electrónica B2B. Por lo tanto, la principal pregunta es cuándo empezarán los Estados miembros a implantar soluciones",{"type":53,"attrs":4292,"content":4293},{"textAlign":64},[4294],{"text":155,"type":68},{"type":61,"attrs":4296,"content":4297},{"level":3318,"textAlign":64},[4298],{"text":4299,"type":68},"¿Cómo mantenerse al día?",{"type":53,"attrs":4301,"content":4302},{"textAlign":64},[4303],{"text":4304,"type":68},"Nuestro boletín de cumplimiento fiscal y facturación electrónica ofrece actualizaciones periódicas a nivel mundial sobre nuevas obligaciones, nuevos formatos y nuevas directivas de la Comisión Europea.",{"type":53,"attrs":4306,"content":4307},{"textAlign":64},[4308],{"text":4309,"type":68},"‍Además, escuche a nuestros expertos en cumplimiento fiscal y obtenga más información sobre los países que ya participan en procesos obligatorios.",{"_uid":4311,"cards":4312,"buttons":4316,"heading":4065,"tagline":8,"component":1584,"background":48,"description":4317},"cc4421f6-d54e-47ff-8cd6-49e1ef226fe9",[4313,4314,4315],"f838e99b-7299-4ed9-9fbf-6cd6755460a9","7a281ef5-1174-4f44-8ab6-b85b1bd85b2f","a9d333be-021b-4a41-86b2-d849dd837b3e",[],{"type":50,"content":4318},[4319],{"type":53},{"id":4321,"alt":4120,"name":8,"focus":8,"title":4120,"source":8,"filename":4322,"copyright":8,"fieldtype":15,"meta_data":4323,"is_external_url":17},96729838753665,"https://a.storyblok.com/f/318078/1366x768/0496f39fd9/vat-in-the-digital-age-2-1.jpg",{"alt":4100,"title":4100,"source":8,"copyright":8},[],[],{"type":50,"content":4327},[4328],{"type":53,"attrs":4329,"content":4330},{"textAlign":64},[4331],{"text":4332,"type":68},"La Comisión Europea ha anunciado una nueva directiva: el IVA en la era digital. Descubra cómo afecta la directiva a todos los Estados miembros europeos.",[3211,2090,3207],[],"vat-in-the-digital-age","es/resources/blog/iva-era-digital","2022-12-09",-2870,[],"1fef9c2f-74bd-4681-a164-2f3670378fa4","2022-12-09T12:54:00.000Z",[],"resources/blog/vat-in-the-digital-age",[4345,4346,4347,4350],{"path":4343,"name":64,"lang":521,"published":64},{"path":4343,"name":64,"lang":523,"published":64},{"path":4348,"name":4349,"lang":527,"published":55},"informationen/blog/mwst-im-digitalen-zeitalter","MwSt im digitalen 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Group acquires Customer Communications Management (CCM) platform developer Inventive Designers","2025-09-17T09:00:34.009Z","2026-07-10T14:03:25.525Z","2026-08-24T07:50:52.414Z",91791499339253,{"seo":5244,"_uid":5248,"body":5249,"image":5471,"theme":8,"title":5257,"author":5475,"related":5476,"summary":5477,"category":5484,"component":2092,"createdOn":8,"description":5483,"relatedCountries":5485,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":5245,"title":5246,"plugin":34,"description":5247},"e0498db9-6151-4e20-9559-d876301133ff","CCM Inventive Designers Acquisition | Blog - Banqup","Banqup Group acquires Customer Communications Management (CCM) platform developer Inventive Designers. Read more here.","b0848d94-4f4b-41e3-a7b6-d4f0699ad087",[5250,5261,5462],{"_uid":5251,"align":8,"image":5252,"theme":48,"buttons":5256,"columns":647,"heading":5257,"padding":1386,"tagline":8,"component":1387,"variation":1388,"background":48,"headingTag":1389,"description":5258,"invertTextColor":55},"ff2ab8bb-346e-4c66-96a3-e81a3a5388b3",{"id":5253,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5254,"copyright":8,"fieldtype":15,"meta_data":5255,"is_external_url":17},102412231195071,"https://a.storyblok.com/f/318078/3840x1017/31969a85c7/banqup-group-former-unifiedpost-group-acquires-customer-communications-management-ccm-platform-developer-inventive-designers.png",{},[],"Banqup Group (former Unifiedpost Group) acquires Customer Communications Management (CCM) platform developer Inventive Designers",{"type":50,"content":5259},[5260],{"type":53},{"_uid":5262,"text":5263,"component":505,"background":48},"a7c14a74-3e31-4ec0-986b-49ffae7a45c2",{"type":50,"content":5264},[5265,5270,5275,5280,5284,5289,5294,5298,5322,5328,5345,5349,5367,5371,5376,5381,5386,5430,5434,5439,5444,5449,5457],{"type":53,"attrs":5266,"content":5267},{"textAlign":64},[5268],{"text":5269,"type":68},"Banqup, one of Europe’s leading FinTech companies, has acquired Customer Communications Management (CCM) platform developer Inventive Designers. ",{"type":53,"attrs":5271,"content":5272},{"textAlign":64},[5273],{"text":5274,"type":68},"Antwerp-based Inventive Designers, which was founded in 1993 and is 60 staff strong, helps businesses better communicate with their clients and stakeholders by providing advanced software technology and related consultative services. The company successfully sells its “Scriptura Engage TM” and “Xribe” digital customer experience solutions to different industries, including banking & financial, insurance, utilities, telecoms, and government, among others. With the acquisition, Banqup Group grows its document generation and distribution capabilities, in addition to its European client base and partner network.",{"type":53,"attrs":5276,"content":5277},{"textAlign":64},[5278],{"text":5279,"type":68},"‍The Inventive Designers acquisition fits a series of strategic projects set to accelerate Banqup’s access to (transactional) documents businesses across Europe. The company aims to position itself as the platform provider of choice for digialising the B2B(2C) financial value-chain, spanning transactional document flows, supplier-client interactions, payments and more.",{"type":53,"attrs":5281,"content":5282},{"textAlign":64},[5283],{"text":155,"type":68},{"type":61,"attrs":5285,"content":5286},{"level":3318,"textAlign":64},[5287],{"text":5288,"type":68},"We strengthen our supplier-client communication capabilities",{"type":53,"attrs":5290,"content":5291},{"textAlign":64},[5292],{"text":5293,"type":68},"‍In April of this year, Banqup raised €25 million from Participatiemaatschappij Vlaanderen (PMV) [Flanders Investment Company], the Federale Participatie- en Investeringsmaatschappij (FPIM) [Federal Investment Company], an American investment company and an international mix of private investors. The objective of this financing round is to propel Banqup’s growth throughout Europe and expand its solutions portfolio. This is Banqup’s second acquisition this year, only a few weeks behind the purchase of ADM Solutions, and more will follow.",{"type":53,"attrs":5295,"content":5296},{"textAlign":64},[5297],{"text":155,"type":68},{"type":2284,"content":5299},[5300],{"type":53,"attrs":5301,"content":5302},{"textAlign":64},[5303,5305,5309,5310,5314,5318],{"text":5304,"type":68},"“",{"text":5306,"type":68,"marks":5307},"With the acquisition of Inventive Designers, we strengthen our supplier-client communication capabilities,”",[5308],{"type":3346},{"text":1510,"type":68},{"text":5311,"type":68,"marks":5312},"says Hans Leybaert, former CEO, Banqup,",[5313],{"type":71},{"text":1510,"type":68,"marks":5315},[5316,5317],{"type":71},{"type":3346},{"text":5319,"type":68,"marks":5320},"“Such communications, whether transactional or ‘interactional’, are the proverbial crude-oil on which we will further monetise, through payments and more”.",[5321],{"type":3346},{"type":53,"attrs":5323,"content":5324},{"textAlign":64},[5325],{"text":155,"type":68,"marks":5326},[5327],{"type":3346},{"type":2284,"content":5329},[5330],{"type":53,"attrs":5331,"content":5332},{"textAlign":64},[5333,5337,5341],{"text":5334,"type":68,"marks":5335},"“As shareholders, we’ve always felt strongly about the continuity and growth of our business. Coming to understand the significance of the Inventive Designers’ portfolio within the Banqup Group, we are convinced that this next chapter will prove beneficial for all involved: employees, clients, partners, etc.” ",[5336],{"type":3346},{"text":5338,"type":68,"marks":5339},"says Joke Dehond, former Chairwoman of Inventive Designers. ",[5340],{"type":71},{"text":5342,"type":68,"marks":5343},"“We wish to thank all that have supported our company since the beginning.”",[5344],{"type":3346},{"type":53,"attrs":5346,"content":5347},{"textAlign":64},[5348],{"text":155,"type":68},{"type":2284,"content":5350},[5351],{"type":53,"attrs":5352,"content":5353},{"textAlign":64},[5354,5358,5362,5366],{"text":5355,"type":68,"marks":5356},"“By joining forces, we immediately service a much larger client base,” ",[5357],{"type":3346},{"text":5359,"type":68,"marks":5360},"adds Jim Verbist, CEO of Inventive Designers. ",[5361],{"type":71},{"text":5363,"type":68,"marks":5364},"“Furthermore, as Banqup’s Documents Expertise Centre, we will enhance our customer communication capabilities by accelerating our roadmap and expanding our digital customer experience eco-system with complementary technology partners like data aggregation, analytics tools, payment collection, etc.”",[5365],{"type":3346},{"text":155,"type":68},{"type":53,"attrs":5368,"content":5369},{"textAlign":64},[5370],{"text":155,"type":68},{"type":61,"attrs":5372,"content":5373},{"level":3318,"textAlign":64},[5374],{"text":5375,"type":68},"About Banqup Group",{"type":53,"attrs":5377,"content":5378},{"textAlign":64},[5379],{"text":5380,"type":68},"‍Banqup is a leading FinTech company that helps businesses digitalise and optimise their financial value chain, in B2B(2C): from contract to invoice to payment, including alternative financial services. We develop and manage platforms for electronic payment collection, invoice financing and more, starting from \"transactional document processing”.",{"type":53,"attrs":5382,"content":5383},{"textAlign":64},[5384],{"text":5385,"type":68},"‍Interesting facts and figures about the Banqup Group:",{"type":91,"content":5387},[5388,5395,5402,5409,5416,5423],{"type":94,"content":5389},[5390],{"type":53,"attrs":5391,"content":5392},{"textAlign":64},[5393],{"text":5394,"type":68},"Established in 2001, with a proven track record",{"type":94,"content":5396},[5397],{"type":53,"attrs":5398,"content":5399},{"textAlign":64},[5400],{"text":5401,"type":68},"2017 consolidated turnover over €26 million, predominantly recurrent",{"type":94,"content":5403},[5404],{"type":53,"attrs":5405,"content":5406},{"textAlign":64},[5407],{"text":5408,"type":68},"260+ FTE throughout Europe, of whom 70+ work in R&D",{"type":94,"content":5410},[5411],{"type":53,"attrs":5412,"content":5413},{"textAlign":64},[5414],{"text":5415,"type":68},"200 million documents processed per year",{"type":94,"content":5417},[5418],{"type":53,"attrs":5419,"content":5420},{"textAlign":64},[5421],{"text":5422,"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 SME communities",{"type":94,"content":5424},[5425],{"type":53,"attrs":5426,"content":5427},{"textAlign":64},[5428],{"text":5429,"type":68},"PAY-NXT payment institution recognised by the National Bank of Belgium",{"type":53,"attrs":5431,"content":5432},{"textAlign":64},[5433],{"text":155,"type":68},{"type":61,"attrs":5435,"content":5436},{"level":3318,"textAlign":64},[5437],{"text":5438,"type":68},"About Inventive Designers",{"type":53,"attrs":5440,"content":5441},{"textAlign":64},[5442],{"text":5443,"type":68},"‍Inventive Designers, headquartered in Antwerp, Belgium, was founded in 1994 by Guy Dehond and Patrick Morren as a communication technology development company. Led by Joke Dehond and Klaas Bals, the company evolved towards an advanced Customer Communications Management (CCM) technology and service provider.",{"type":53,"attrs":5445,"content":5446},{"textAlign":64},[5447],{"text":5448,"type":68},"‍Inventive Designers markets a best-in-class, omnichannel and high-volume CCM platform, called “Scriptura Engage TM” used to ensure customer experience and brand consistency over the complete customer lifecycle at large enterprises worldwide.",{"type":53,"attrs":5450,"content":5451},{"textAlign":64},[5452,5453],{"text":155,"type":68},{"text":5454,"type":68,"marks":5455},"Cautionary note regarding forward-looking statements: The statements contained herein may include prospects, statements of future expectations, opinions and other forward-looking statements in relation to the expected future performance of Banqup and of the markets in which it is active. Such forward-looking statements are based on management's current views and assumptions regarding future events. By nature, they involve known and unknown risks, uncertainties and other factors that appear justified at the time at which they are made but which may not turn out to be accurate. Actual results, performance or events may therefore differ materially from those expressed or implied in such forward-looking statements. Except as required by applicable law, Banqup does not undertake any obligation to update, clarify or correct any forward-looking statements contained in this press release in light of new information, future events or otherwise and disclaims any liability in respect hereto. 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