{"id":160,"date":"2015-08-10T09:43:32","date_gmt":"2015-08-10T09:43:32","guid":{"rendered":"http:\/\/www.distritok.com\/blog\/?p=160"},"modified":"2022-02-14T10:29:22","modified_gmt":"2022-02-14T09:29:22","slug":"sepa-xml-el-formato-de-pago-unico-para-europa","status":"publish","type":"post","link":"https:\/\/www.distritok.com\/blog\/sepa-xml-el-formato-de-pago-unico-para-europa\/","title":{"rendered":"SEPA xml, el formato de pago \u00fanico para Europa"},"content":{"rendered":"\n<ul class=\"wp-block-list\"><li><strong>\u00bfQu\u00e9 es SEPA?<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">SEPA o Single Euro Payments (zona \u00fanica de pago en euros) es una iniciativa de la banca europea que tiene por objetivo derribar las fronteras para los pagos dentro de Europa. SEPA entr\u00f3 en vigor en 2008 y su finalidad es facilitar las transferencia a compa\u00f1\u00edas y particulares, haciendo estas tareas sencillas, r\u00e1pidas y rentables para todos.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Ventajas<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mayor eficiencia mediante la centralizaci\u00f3n de pagos y cobros regionales. Mayor control y gesti\u00f3n de riesgos ya que los formatos de pago e interfaces bancarias se estandarizan.&nbsp; Mejora en la consulta y disponibilidad de efectivo. Reducci\u00f3n de efectos en cobros. Mayor accesibilidad a nuevos mercados. Disminuci\u00f3n de diferencias en comisiones en toda Europa.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Remesas 58 y 32<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Los anticipos de cr\u00e9dito (cuaderno 58), los recibos girados (cuaderno 32) o los recibos en papel disfrutaron de una exenci\u00f3n temporal en esta migraci\u00f3n al sistema SEPA, pero ya no ser\u00e1 posible a partir de febrero de 2016.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1652\" src=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia.jpg\" alt=\"sepa-cronologia\" class=\"wp-image-163\" srcset=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia.jpg 1024w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia-186x300.jpg 186w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia-635x1024.jpg 635w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-cronologia-700x1129.jpg 700w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>SEPA xml<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Es el formato elegido como obligatorio para el intercambio de transacciones SEPA entre bancos de pa\u00edses de la Eurozona. En Espa\u00f1a se han establecido temporalmente formatos de texto alternativos (CSB34-14 para transferencias, CSB19-14 para adeudos directos, SEPA b\u00e1sicos y CSB19-44 para adeudos directos SEPA B2B). De todas formas es recomendable usar XML ya que se est\u00e1 instaurando como el formato por defecto en otros pa\u00edses. En caso de utilizar estos formatos de texto alternativos estos tendr\u00e1n que ser adaptados a XML posteriormente.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"874\" height=\"1024\" src=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios-874x1024.jpg\" alt=\"sepa-beneficios\" class=\"wp-image-161\" srcset=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios-874x1024.jpg 874w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios-256x300.jpg 256w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios-700x820.jpg 700w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-beneficios.jpg 1024w\" sizes=\"auto, (max-width: 874px) 100vw, 874px\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-mapa.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"510\" src=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-mapa.jpg\" alt=\"sepa-mapa\" class=\"wp-image-162\" srcset=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-mapa.jpg 800w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-mapa-300x191.jpg 300w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2015\/08\/sepa-mapa-700x446.jpg 700w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/figure><\/div>\n\n\n\n<figure class=\"wp-block-image is-resized\"><a href=\"https:\/\/www.distritok.com\/aplicaciones\/programa-de-gestion\/normativa-sepa\/\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2022\/02\/banner-descarga-sepa.png\" alt=\"ERP SEPA\" class=\"wp-image-9494\" width=\"640\" height=\"200\" srcset=\"https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2022\/02\/banner-descarga-sepa.png 640w, https:\/\/www.distritok.com\/blog\/wp-content\/uploads\/2022\/02\/banner-descarga-sepa-300x94.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es SEPA? SEPA o Single Euro Payments (zona \u00fanica de pago en euros) es una iniciativa de la banca europea que tiene por objetivo derribar las fronteras para los pagos dentro de Europa. SEPA entr\u00f3 en vigor en 2008 y su finalidad es facilitar las transferencia a compa\u00f1\u00edas y particulares, haciendo estas tareas sencillas, &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.distritok.com\/blog\/sepa-xml-el-formato-de-pago-unico-para-europa\/\"> <span class=\"screen-reader-text\">SEPA xml, el formato de pago \u00fanico para Europa<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":7170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[523,15],"tags":[29,7,418,417,419,93,94],"class_list":["post-160","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-para-pymes","category-software-de-contabilidad","tag-empresas","tag-fiscalidad","tag-pago-unico-europa","tag-sepa","tag-sepa-xml","tag-sistema-sepa","tag-software-sepa"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All 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