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Si todo Google Ads va a la partida \"paid\", nadie sabe qué campaña ha consumido el dinero.",{"type":82,"attrs":559,"content":560},{"textAlign":27,"key":141},[561,563,569],{"text":562,"type":88},"El equipo de Product Marketing prepara un lanzamiento con un ",{"text":564,"type":88,"marks":565},"presupuesto por campaña",[566],{"type":184,"attrs":567},{"href":568,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://knowledge.hubspot.com/es/campaigns/manage-your-campaign-budget",{"text":570,"type":88}," de 25.000 €. Lo reparte en 12.000 € para Meta Ads, 9.000 € para una agencia de eventos, 2.500 € para una diseñadora freelance y 1.500 € de reserva. Cada cargo de Meta lleva las etiquetas del lanzamiento, el canal social, el equipo y el proveedor, así que la cifra disponible siempre es fiable.",{"type":82,"attrs":572,"content":573},{"textAlign":27,"key":170},[574,576,582],{"text":575,"type":88},"Define las partidas antes de gastar el primer euro y ",{"text":577,"type":88,"marks":578},"asigna un responsable a cada una",[579],{"type":184,"attrs":580},{"href":581,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/contabilidad-de-gestion-control-de-costes/",{"text":583,"type":88},". Esa persona responde de su saldo y aprueba lo que entra en ella. La reserva para imprevistos también tiene dueño, porque sin él acaba absorbiendo sobrecostes que nadie revisa.",{"type":82,"attrs":585,"content":586},{"textAlign":27,"key":176},[587],{"text":588,"type":88},"Para que esa cifra disponible sea fiable, separa tres importes en cada partida: presupuesto, gasto comprometido y gasto real. El gasto comprometido es lo que ya has aprobado o contratado, como un pedido de compra a la agencia de eventos, aunque su factura no haya llegado. El saldo disponible es el presupuesto menos lo comprometido y lo gastado.",{"type":82,"attrs":590,"content":591},{"textAlign":27,"key":202},[592],{"text":593,"type":88},"Si la agencia de eventos tiene un pedido aprobado de 9.000 € y de momento ha facturado 3.000 €, el saldo del lanzamiento debe descontar los 9.000 €. Si solo restas lo facturado, el equipo cree que tiene 6.000 € más de lo que puede gastar.",{"type":82,"attrs":595,"content":596},{"textAlign":27,"key":211},[597,599,605],{"text":598,"type":88},"Esta estructura es la base para controlar el gasto de marketing con cualquier herramienta. Si todavía estás dimensionando la cifra total, consulta cómo elaborar un ",{"text":600,"type":88,"marks":601},"presupuesto de marketing",[602],{"type":184,"attrs":603},{"href":604,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/presupuesto-de-marketing/",{"text":606,"type":88}," antes de etiquetar partidas.",{"type":162,"attrs":608,"content":609},{"level":164,"textAlign":27},[610],{"text":611,"type":88},"Tarjetas virtuales y aprobaciones previas para evitar sobrecostes",{"type":82,"attrs":613,"content":614},{"textAlign":27,"key":220},[615],{"text":616,"type":88},"Los controles más eficaces actúan antes de que el dinero salga de la cuenta, cuando todavía puedes decir que no. Revisar el extracto a final de mes solo sirve para explicar el sobrecoste.",{"type":82,"attrs":618,"content":619},{"textAlign":27,"key":229},[620,622,628],{"text":621,"type":88},"Las ",{"text":623,"type":88,"marks":624},"tarjetas virtuales",[625],{"type":184,"attrs":626},{"href":627,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/tarjetas-virtuales/",{"text":629,"type":88}," permiten dar a cada gasto su propio límite sin bloquear al equipo. La configuración que mejor funciona en marketing tiene cuatro reglas:",{"type":631,"attrs":632,"content":634},"ordered_list",{"order":198,"key":633},"ol-0",[635,642,649,656],{"type":494,"content":636},[637],{"type":82,"attrs":638,"content":639},{"textAlign":27,"key":241},[640],{"text":641,"type":88},"Una tarjeta virtual por canal, proveedor o suscripción, con un límite mensual ajustado a su partida.",{"type":494,"content":643},[644],{"type":82,"attrs":645,"content":646},{"textAlign":27,"key":250},[647],{"text":648,"type":88},"Restricciones por categoría o comercio, para que la tarjeta de anuncios solo pague anuncios.",{"type":494,"content":650},[651],{"type":82,"attrs":652,"content":653},{"textAlign":27,"key":259},[654],{"text":655,"type":88},"Un umbral de aprobación, de modo que cualquier gasto de más de 1.000 € requiera el visto bueno del director de marketing.",{"type":494,"content":657},[658],{"type":82,"attrs":659,"content":660},{"textAlign":27,"key":268},[661],{"text":662,"type":88},"Tarjetas virtuales de un solo uso para compras puntuales, que se desactivan tras el pago y evitan renovaciones olvidadas.",{"type":82,"attrs":664,"content":665},{"textAlign":27,"key":279},[666],{"text":667,"type":88},"La coordinadora de eventos necesita pagar una señal de 3.500 € para reservar un stand. Su solicitud llega al responsable de marketing, que ve en el mismo momento que al presupuesto del evento le quedan 6.000 €. Aprueba sabiendo que después del pago solo quedarán 2.500 € para viajes y materiales.",{"type":82,"attrs":669,"content":670},{"textAlign":27,"key":288},[671,673,679],{"text":672,"type":88},"Este ",{"text":674,"type":88,"marks":675},"flujo de aprobación",[676],{"type":184,"attrs":677},{"href":678,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/matriz-de-aprobaciones/",{"text":680,"type":88}," solo funciona si quien aprueba tiene el dato delante cuando decide, sin abrir otra hoja de cálculo. Spendesk conecta los presupuestos con los flujos de aprobación y los controles de tarjeta, así que quien aprueba ve el presupuesto restante antes de aprobar. Así, el equipo financiero deja de ser quien frena cada compra: las reglas se aplican solas y marketing mantiene su autonomía dentro de los límites acordados.",{"type":82,"attrs":682,"content":683},{"textAlign":27,"key":297},[684],{"text":685,"type":88},"Registra también cada aprobación y cada cambio de partida: quién lo pidió, quién lo aprobó, cuándo y por qué importe. Si en noviembre el director de marketing pasa 2.000 € de eventos a anuncios, ese movimiento debe aparecer en el historial con su fecha y su responsable. Cuando la gestoría pregunte por qué cambió el presupuesto, la respuesta ya estará documentada.",{"type":82,"attrs":687,"content":688},{"textAlign":27,"key":306},[689,691,697],{"text":690,"type":88},"El ",{"text":692,"type":88,"marks":693},"artículo 30 del Código de Comercio",[694],{"type":184,"attrs":695},{"href":696,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/buscar/act.php?id=BOE-A-1885-6627#art30",{"text":698,"type":88}," obliga a conservar libros, correspondencia, documentación y justificantes durante seis años desde el último asiento. Un historial exportable de solicitudes y aprobaciones facilita reunir esa documentación cuando te la pidan. Esta referencia no es asesoramiento jurídico, así que confirma con tu asesoría qué registros debes conservar.",{"type":162,"attrs":700,"content":701},{"level":164,"textAlign":27},[702],{"text":703,"type":88},"Facturas de agencias y suscripciones SaaS, las dos fugas habituales",{"type":82,"attrs":705,"content":706},{"textAlign":27,"key":317},[707,708,714],{"text":621,"type":88},{"text":709,"type":88,"marks":710},"facturas de proveedores",[711],{"type":184,"attrs":712},{"href":713,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":715,"type":88}," y las suscripciones SaaS escapan al presupuesto por motivos opuestos. Las primeras llegan semanas después del trabajo y las segundas se cobran solas, mes tras mes.",{"type":82,"attrs":717,"content":718},{"textAlign":27,"key":326},[719],{"text":720,"type":88},"Una agencia de contenidos entrega una campaña en junio y envía una factura de 8.400 € en julio. Nadie la vincula al trimestre anterior, así que contabilidad la registra en \"otros gastos\". El ROI de esa campaña parece excelente porque le falta su mayor coste.",{"type":82,"attrs":722,"content":723},{"textAlign":27,"key":335},[724,726,732,734,740],{"text":725,"type":88},"La solución empieza antes de contratar. Exige una aprobación previa o un pedido de compra con la etiqueta de campaña, para que la factura se case con su partida cuando llegue. Comprueba también que el IVA (Impuesto sobre el Valor Añadido) esté ",{"text":727,"type":88,"marks":728},"bien desglosado en la factura",[729],{"type":184,"attrs":730},{"href":731,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.boe.es/buscar/act.php?id=BOE-A-2012-14696",{"text":733,"type":88},". La gestoría lo necesita para deducirlo según los ",{"text":735,"type":88,"marks":736},"criterios de la Agencia Tributaria",[737],{"type":184,"attrs":738},{"href":739,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://sede.agenciatributaria.gob.es/Sede/iva.html",{"text":547,"type":88},{"type":82,"attrs":742,"content":743},{"textAlign":27,"key":344},[744],{"text":745,"type":88},"Un reparto claro entre marketing y finanzas evita que la factura de una agencia se quede sin dueño. El responsable de marketing aprueba el pedido, lo etiqueta con su campaña y confirma que la agencia ha entregado el trabajo. El Director Financiero, o quien lleve las cuentas a pagar, comprueba que la factura coincide con el pedido, la paga y la concilia con su partida.",{"type":82,"attrs":747,"content":748},{"textAlign":27,"key":355},[749],{"text":750,"type":88},"Los dos revisan juntos el saldo del presupuesto trimestral antes del cierre. Con ese reparto, la factura de 8.400 € de la agencia de contenidos habría llegado a la partida de su campaña de junio, y el ROI del segundo trimestre incluiría su mayor coste.",{"type":82,"attrs":752,"content":753},{"textAlign":27,"key":364},[754,756,762],{"text":755,"type":88},"Las suscripciones fallan de otra forma. Una herramienta de diseño de 79 € al mes sigue activa en la tarjeta de una persona que dejó la empresa hace seis meses: son 474 € pagados por algo que nadie usa. A eso se suman ",{"text":757,"type":88,"marks":758},"renovaciones anuales",[759],{"type":184,"attrs":760},{"href":761,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/gestion-de-suscripciones/",{"text":763,"type":88}," que nadie esperaba y licencias duplicadas entre equipos.",{"type":82,"attrs":765,"content":766},{"textAlign":27,"key":373},[767],{"text":768,"type":88},"Una revisión mensual corta evita la mayor parte de estas fugas:",{"type":491,"content":770},[771,778,785],{"type":494,"content":772},[773],{"type":82,"attrs":774,"content":775},{"textAlign":27,"key":382},[776],{"text":777,"type":88},"Lista las renovaciones previstas para el mes siguiente y confirma cada una con su responsable.",{"type":494,"content":779},[780],{"type":82,"attrs":781,"content":782},{"textAlign":27,"key":393},[783],{"text":784,"type":88},"Paga cada suscripción con su propia tarjeta virtual, asociada a un responsable activo.",{"type":494,"content":786},[787],{"type":82,"attrs":788,"content":789},{"textAlign":27,"key":402},[790],{"text":791,"type":88},"Cancela la tarjeta de cada herramienta en cuanto su responsable cambia de puesto o sale de la empresa.",{"type":162,"attrs":793,"content":794},{"level":164,"textAlign":27},[795],{"text":796,"type":88},"Reporting que conecta el gasto real con el ROI",{"type":82,"attrs":798,"content":799},{"textAlign":27,"key":411},[800],{"text":801,"type":88},"El ROI de marketing solo es fiable si el coste de cada campaña incluye todo lo pagado: tarjetas, facturas y suscripciones. Con costes incompletos, el ROI premia a las campañas cuyas facturas todavía no han llegado.",{"type":82,"attrs":803,"content":804},{"textAlign":27,"key":420},[805,807,813,815,821],{"text":806,"type":88},"Compara el presupuesto con el gasto real de cada partida una vez por semana. Esperar al ",{"text":808,"type":88,"marks":809},"cierre mensual",[810],{"type":184,"attrs":811},{"href":812,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":814,"type":88}," significa descubrir las desviaciones presupuestarias cuando ya no queda margen para corregirlas. Después, cruza ese coste con los ingresos y leads de ",{"text":816,"type":88,"marks":817},"Google Analytics 4",[818],{"type":184,"attrs":819},{"href":820,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://support.google.com/analytics/answer/10071305?hl=es",{"text":822,"type":88}," o de tu CRM para calcular el retorno por campaña y canal.",{"type":82,"attrs":824,"content":825},{"textAlign":27,"key":431},[826],{"text":827,"type":88},"En la revisión de octubre, el equipo ve que una serie de webinars ha costado 4.200 € y genera leads a un coste bajo. La feria del sector, en cambio, va 3.000 € por encima de su partida. El equipo traslada 5.000 € de búsqueda de pago a los webinars antes del cierre, en lugar de justificar la desviación un mes después.",{"type":82,"attrs":829,"content":830},{"textAlign":27,"key":440},[831],{"text":832,"type":88},"Esa revisión semanal exige que el gasto con tarjeta y el de facturas estén en el mismo sitio, sin exportaciones cruzadas. Spendesk reúne el gasto con tarjeta y el de facturas en una sola vista, con los presupuestos actualizados en tiempo real. Cuando el gasto llega etiquetado a la contabilidad, la gestoría trabaja con cifras ya categorizadas por partida.",{"type":82,"attrs":834,"content":835},{"textAlign":27,"key":449},[836,838,844],{"text":837,"type":88},"Para formalizar el calendario de revisiones, puedes apoyarte en un ",{"text":839,"type":88,"marks":840},"procedimiento presupuestario",[841],{"type":184,"attrs":842},{"href":843,"uuid":27,"anchor":27,"target":27,"linktype":70},"https://www.spendesk.com/es/blog/procedimiento-presupuestario/",{"text":845,"type":88}," claro.",{"name":847,"created_at":848,"published_at":16,"updated_at":849,"id":850,"uuid":851,"content":852,"slug":859,"full_slug":860,"sort_by_date":27,"position":861,"tag_list":862,"is_startpage":30,"parent_id":863,"meta_data":27,"group_id":864,"first_published_at":865,"release_id":27,"lang":34,"path":27,"alternates":866,"default_full_slug":867,"translated_slugs":868,"_stopResolving":43},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":853,"icon":854,"name":847,"component":858},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":855,"alt":856,"name":24,"focus":24,"title":24,"filename":857,"copyright":24,"fieldtype":67,"is_external_url":30},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[869,870,871],{"path":867,"name":27,"lang":39,"published":27},{"path":867,"name":27,"lang":41,"published":27},{"path":867,"name":27,"lang":34,"published":27},[34],[],[],"2026-10-30 00:00",[],[878],{"_uid":879,"link":880,"asset":883,"caption":24,"component":887},"6ec874b7-bb17-4de2-ae6f-9792ef8fc755",{"id":24,"url":24,"linktype":881,"fieldtype":71,"cached_url":882,"prep":43},"story","/es/",{"id":884,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":885,"copyright":24,"fieldtype":67,"meta_data":886,"is_external_url":30},236278285490971,"https://a.storyblok.com/f/146026/1536x1024/4908518b53/marketing-budget-header-funnel.png",{},"image","Descubre herramientas para gestionar el presupuesto de marketing: planifica campañas, controla gastos, automatiza aprobaciones y mide el ROI.\n",[],[891],{"cta":892,"_uid":893,"items":894,"heading":940,"reverse":30,"component":960,"sectionSettings":961},[],"4fccae22-53c5-4eb0-a3dd-d9ca4f4d4737",[895,907,918,929],{"_uid":896,"hide":30,"title":897,"component":898,"description":899},"86e3510a-a8eb-400b-be28-bf00b8458eae","¿Sirve una hoja de cálculo para el presupuesto de marketing?","faqItem",{"type":79,"attrs":900,"content":901},{"backgroundColor":27},[902],{"type":82,"attrs":903,"content":904},{"textAlign":27,"key":84},[905],{"text":906,"type":88},"Sirve para planificar y mientras una sola persona registra todos los pagos. Cuando varias personas gastan con tarjeta y llegan facturas cada semana, úsala como plan y haz el seguimiento con una herramienta conectada a los pagos.",{"_uid":908,"hide":30,"title":909,"component":898,"description":910},"23bb4593-0fbf-4a60-a723-37056dc5bd89","¿Cómo comparar el gasto real con el presupuesto previsto?",{"type":79,"attrs":911,"content":912},{"backgroundColor":27},[913],{"type":82,"attrs":914,"content":915},{"textAlign":27,"key":84},[916],{"text":917,"type":88},"Asigna cada pago a una partida con sus cuatro etiquetas y revisa la diferencia una vez por semana. Así detectas las desviaciones cuando aún puedes mover dinero entre partidas.",{"_uid":919,"hide":30,"title":920,"component":898,"description":921},"992cb062-7826-4016-bbf9-c281e4273f65","¿Cómo controlar las suscripciones de software de marketing?",{"type":79,"attrs":922,"content":923},{"backgroundColor":27},[924],{"type":82,"attrs":925,"content":926},{"textAlign":27,"key":84},[927],{"text":928,"type":88},"Paga cada herramienta con su propia tarjeta virtual y un responsable asignado. Revisa cada mes las renovaciones de los 30 días siguientes y cancela las licencias de quien ya no las usa.",{"_uid":930,"hide":30,"title":931,"component":898,"description":932},"3bcecb71-7f98-4fb9-ae2a-676a44cae61e","¿Qué debe buscar en un software de presupuesto de marketing?",{"type":79,"attrs":933,"content":934},{"backgroundColor":27},[935],{"type":82,"attrs":936,"content":937},{"textAlign":27,"key":84},[938],{"text":939,"type":88},"Que conecte cada pago con su partida en tiempo real y muestre el saldo disponible dentro del flujo de aprobación. Debe cubrir los tres tipos de gasto, tarjetas, facturas y suscripciones, guardar el historial de aprobaciones y exportar a tu contabilidad sin trabajo 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Suscríbete a nuestro Newsletter para mantenerte informado.",[2387,2388],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2390],{"cta":2391,"_uid":2392,"items":2393,"heading":2505,"reverse":30,"component":960,"sectionSettings":2526},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2394,2448],{"_uid":2395,"title":2396,"component":898,"description":2397},"dfc0accd-ab64-464a-8597-b76754748f04","¿Qué es la gestión del gasto?",{"type":79,"content":2398},[2399,2404,2428,2433,2438,2443],{"type":82,"attrs":2400,"content":2401},{"textAlign":27},[2402],{"text":2403,"type":88},"El gasto empresarial incluye diferentes tipos de gasto:",{"type":631,"attrs":2405,"content":2406},{"order":198},[2407,2414,2421],{"type":494,"content":2408},[2409],{"type":82,"attrs":2410,"content":2411},{"textAlign":27},[2412],{"text":2413,"type":88},"El gasto estratégico suele estar centralizado y gestionado por ejecutivos de alto nivel con responsables de gasto dedicados. Se puede gestionar a través de facturas, transferencias bancarias y órdenes de compra.",{"type":494,"content":2415},[2416],{"type":82,"attrs":2417,"content":2418},{"textAlign":27},[2419],{"text":2420,"type":88},"El gasto discrecional y operativo también está centralizado, pero lo realizan los directivos y empleados durante su vida profesional diaria. Incluye compras con tarjeta, pagos de suscripciones, anuncios digitales, eventos, pedidos de oficina y viajes de negocios.",{"type":494,"content":2422},[2423],{"type":82,"attrs":2424,"content":2425},{"textAlign":27},[2426],{"text":2427,"type":88},"Los gastos, a diferencia del gasto estratégico, representan una cantidad significativa de pequeñas compras que pueden ser difíciles de rastrear. Estos incluyen pagos con tarjeta, reclamaciones de gastos, beneficios para el equipo y gastos de viaje.",{"type":82,"attrs":2429,"content":2430},{"textAlign":27},[2431],{"text":2432,"type":88},"La gestión del gasto es el proceso mediante el cual las empresas gestionan los gastos empresariales. Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":82,"attrs":2434,"content":2435},{"textAlign":27},[2436],{"text":2437,"type":88},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":82,"attrs":2439,"content":2440},{"textAlign":27},[2441],{"text":2442,"type":88},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":82,"attrs":2444,"content":2445},{"textAlign":27},[2446],{"text":2447,"type":88},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2449,"title":2450,"component":898,"description":2451},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":79,"content":2452},[2453,2458,2470,2475,2485,2490,2495,2500],{"type":82,"attrs":2454,"content":2455},{"textAlign":27},[2456],{"text":2457,"type":88},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. Esto incluye tarjetas de débito para sustituir las antiguas tarjetas de crédito de empresa, tarjetas virtuales para compras online e informes de gastos automatizados para pagos inesperados.",{"type":82,"attrs":2459,"content":2460},{"textAlign":27},[2461,2465,2468],{"text":2462,"type":88,"marks":2463},"Para los empleados",[2464],{"type":1619},{"type":146,"marks":2466},[2467],{"type":1619},{"text":2469,"type":88},"Los empleados ya no tienen que pagar de su bolsillo. Solicitan fondos para una compra concreta y pueden utilizar su tarjeta Spendesk o su tarjeta virtual para realizar el pago.",{"type":82,"attrs":2471,"content":2472},{"textAlign":27},[2473],{"text":2474,"type":88},"Si por cualquier motivo el empleado no puede utilizar su tarjeta Spendesk, toma una foto del recibo a través de la aplicación móvil de Spendesk y crea una solicitud de reembolso de gastos en el acto. Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":82,"attrs":2476,"content":2477},{"textAlign":27},[2478,2482,2483],{"text":2479,"type":88,"marks":2480},"Para los equipos financieros",[2481],{"type":1619},{"type":146},{"text":2484,"type":88},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":82,"attrs":2486,"content":2487},{"textAlign":27},[2488],{"text":2489,"type":88},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":82,"attrs":2491,"content":2492},{"textAlign":27},[2493],{"text":2494,"type":88},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. 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