{"id":24918,"date":"2026-03-13T16:14:12","date_gmt":"2026-03-13T21:14:12","guid":{"rendered":"https:\/\/puntored.co\/?p=24918"},"modified":"2026-03-13T16:16:39","modified_gmt":"2026-03-13T21:16:39","slug":"datos-para-pagar-a-un-tercero","status":"publish","type":"post","link":"https:\/\/puntored.co\/en\/datos-para-pagar-a-un-tercero\/","title":{"rendered":"Datos para pagar a un tercero: checklist m\u00ednimo para empresas"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nC\u00f3mo pagar a un tercero sin errores: checklist y 5 pilares clave | Puntored<\/title>\r\n<meta name=\"description\" content=\"Aprende a pagar a un tercero de forma segura y eficiente. Descubre los 5 pilares fundamentales y el checklist que todo equipo de tesorer\u00eda debe seguir antes de ejecutar un pago.\">\r\n<meta name=\"keywords\" content=\"pagar a un tercero, pagos a proveedores, checklist pagos empresariales, tesorer\u00eda, pagos masivos empresas, fraude en pagos B2B\">\r\n<meta name=\"robots\" content=\"index, follow\">\r\n<meta name=\"author\" content=\"Puntored\">\r\n<meta name=\"theme-color\" content=\"#Fc0a8b\">\r\n<meta property=\"og:type\" content=\"article\">\r\n<meta property=\"og:title\" content=\"C\u00f3mo pagar a un tercero sin errores: checklist y 5 pilares clave | Puntored\">\r\n<meta property=\"og:description\" content=\"Aprende a pagar a un tercero de forma segura. 5 pilares fundamentales y un checklist pr\u00e1ctico para equipos de tesorer\u00eda.\">\r\n<meta property=\"og:image\" content=\"https:\/\/puntored.co\/wp-content\/uploads\/2026\/03\/Checklist-para-pagar-a-un-tercero-sin-errores-scaled.webp\">\r\n<meta property=\"og:locale\" content=\"es_CO\">\r\n<meta name=\"twitter:card\" content=\"summary_large_image\">\r\n<meta name=\"twitter:title\" content=\"C\u00f3mo pagar a un tercero sin errores | Puntored\">\r\n<meta name=\"twitter:description\" content=\"5 pilares y un checklist para que cada pago a un tercero sea exitoso, seguro y auditable.\">\r\n<meta name=\"twitter:image\" content=\"https:\/\/puntored.co\/wp-content\/uploads\/2026\/03\/Checklist-para-pagar-a-un-tercero-sin-errores-scaled.webp\">\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\": \"https:\/\/schema.org\",\r\n \"@type\": \"BlogPosting\",\r\n \"headline\": \"C\u00f3mo pagar a un tercero sin errores: checklist y 5 pilares clave\",\r\n \"description\": \"Aprende a pagar a un tercero de forma segura y eficiente. Descubre los 5 pilares fundamentales y el checklist que todo equipo de tesorer\u00eda debe seguir.\",\r\n \"image\": \"https:\/\/puntored.co\/wp-content\/uploads\/2026\/03\/Checklist-para-pagar-a-un-tercero-sin-errores-scaled.webp\",\r\n \"inLanguage\": \"es-CO\",\r\n \"author\": { \"@type\": \"Organization\", \"name\": \"Puntored\" },\r\n \"publisher\": { \"@type\": \"Organization\", \"name\": \"Puntored\" },\r\n \"keywords\": \"pagar a un tercero, pagos empresariales, tesorer\u00eda, fraude B2B, checklist pagos\"\r\n}\r\n<\/script>\r\n\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Exo:wght@400;500;600;700;800;900&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n * { box-sizing: border-box; margin: 0; padding: 0; }\r\n\r\n body {\r\n font-family: 'Exo', sans-serif;\r\n background: #fff;\r\n color: #1e1e1e;\r\n line-height: 1.72;\r\n -webkit-font-smoothing: antialiased;\r\n padding: 24px 0 52px;\r\n }\r\n\r\n img { max-width: 100%; display: block; }\r\n a { color: #Fc0a8b; text-decoration: none; }\r\n a:hover { opacity: .75; }\r\n\r\n \/* \u2500\u2500 IMAGEN \u2500\u2500 *\/\r\n .cover-img {\r\n width: 100%;\r\n border-radius: 16px;\r\n overflow: hidden;\r\n margin-bottom: 24px;\r\n border: 1px solid #fdb8e0;\r\n }\r\n .cover-img img { width: 100%; height: auto; }\r\n\r\n \/* \u2500\u2500 TAG \u2500\u2500 *\/\r\n .tag-row {\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n margin-bottom: 20px;\r\n }\r\n .tag {\r\n background: #Fc0a8b;\r\n color: #fff;\r\n font-size: 11px;\r\n font-weight: 800;\r\n letter-spacing: 2px;\r\n text-transform: uppercase;\r\n padding: 5px 14px;\r\n border-radius: 999px;\r\n }\r\n .tag-meta { font-size: 13px; color: #999; font-weight: 500; }\r\n\r\n \/* \u2500\u2500 INTRO \u2500\u2500 *\/\r\n .intro { margin-bottom: 28px; }\r\n .intro p {\r\n font-size: 16.5px;\r\n color: #4a4a4a;\r\n line-height: 1.78;\r\n margin-bottom: 14px;\r\n }\r\n .intro p:last-child { margin-bottom: 0; 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transform: translateY(-2px); opacity: 1; }\r\n .btn-cta svg { flex-shrink: 0; }\r\n\r\n \/* \u2500\u2500 ACCORDION CARD \u2500\u2500 *\/\r\n .card {\r\n border: 1.5px solid #eaeaea;\r\n border-radius: 16px;\r\n overflow: hidden;\r\n margin-bottom: 14px;\r\n background: #fff;\r\n transition: box-shadow .25s;\r\n }\r\n .card:hover { box-shadow: 0 4px 18px rgba(0,0,0,.05); }\r\n\r\n .card-header {\r\n display: flex;\r\n align-items: center;\r\n gap: 12px;\r\n padding: 18px 22px;\r\n cursor: pointer;\r\n user-select: none;\r\n }\r\n .card-accent {\r\n width: 4px;\r\n height: 30px;\r\n background: #Fc0a8b;\r\n border-radius: 4px;\r\n flex-shrink: 0;\r\n }\r\n .card-header h2 {\r\n font-size: 18px;\r\n font-weight: 800;\r\n color: #1e1e1e;\r\n flex: 1;\r\n line-height: 1.2;\r\n }\r\n .card-num {\r\n font-size: 28px;\r\n font-weight: 900;\r\n color: #fdb8e0;\r\n line-height: 1;\r\n flex-shrink: 0;\r\n transition: color .2s;\r\n }\r\n .card.open .card-num { color: #Fc0a8b; }\r\n\r\n .toggle-icon {\r\n width: 28px;\r\n height: 28px;\r\n border-radius: 50%;\r\n border: 1.5px solid #fdb8e0;\r\n background: #fff0f8;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n flex-shrink: 0;\r\n transition: background .2s;\r\n }\r\n .toggle-icon svg { transition: transform .3s; }\r\n .card.open .toggle-icon { background: #Fc0a8b; border-color: #Fc0a8b; }\r\n .card.open .toggle-icon svg { transform: rotate(180deg); }\r\n .card.open .toggle-icon svg path { stroke: #fff; }\r\n\r\n .card-body {\r\n max-height: 0;\r\n overflow: hidden;\r\n transition: max-height .4s ease;\r\n }\r\n .card.open .card-body { max-height: 2400px; }\r\n .card-inner { padding: 4px 22px 24px; }\r\n\r\n \/* \u2500\u2500 TABLE \u2500\u2500 *\/\r\n .data-table {\r\n width: 100%;\r\n border-collapse: collapse;\r\n margin-top: 4px;\r\n }\r\n .data-table th {\r\n background: #fff0f8;\r\n color: #d4077a;\r\n font-size: 12px;\r\n font-weight: 800;\r\n text-transform: uppercase;\r\n letter-spacing: .8px;\r\n padding: 10px 14px;\r\n text-align: left;\r\n border-bottom: 2px solid #fdb8e0;\r\n }\r\n .data-table td {\r\n font-size: 14.5px;\r\n color: #4a4a4a;\r\n padding: 12px 14px;\r\n border-bottom: 1px solid #f0f0f0;\r\n vertical-align: top;\r\n line-height: 1.6;\r\n }\r\n .data-table tr:last-child td { border-bottom: none; }\r\n .data-table tr:hover td { background: #fff8fc; }\r\n .data-table td strong { color: #1e1e1e; }\r\n\r\n \/* \u2500\u2500 ITEM LIST \u2500\u2500 *\/\r\n .item-list { display: flex; flex-direction: column; gap: 12px; }\r\n .item-row {\r\n display: flex;\r\n gap: 14px;\r\n align-items: flex-start;\r\n padding: 14px 16px;\r\n border-radius: 12px;\r\n background: #fafafa;\r\n border: 1px solid #f0f0f0;\r\n transition: background .2s, border-color .2s;\r\n }\r\n .item-row:hover { background: #fff0f8; border-color: #fdb8e0; }\r\n .item-icon {\r\n width: 36px;\r\n height: 36px;\r\n border-radius: 50%;\r\n background: #fff0f8;\r\n border: 1.5px solid #fdb8e0;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n flex-shrink: 0;\r\n font-size: 16px;\r\n }\r\n .item-content { flex: 1; }\r\n .item-title {\r\n font-size: 14px;\r\n font-weight: 800;\r\n color: #1e1e1e;\r\n margin-bottom: 4px;\r\n text-transform: uppercase;\r\n letter-spacing: .3px;\r\n }\r\n .item-desc { font-size: 14px; color: #4a4a4a; line-height: 1.62; margin: 0; }\r\n\r\n \/* \u2500\u2500 RIESGOS GRID \u2500\u2500 *\/\r\n .risk-grid {\r\n display: grid;\r\n grid-template-columns: 1fr 1fr;\r\n gap: 10px;\r\n }\r\n .risk-tile {\r\n background: #fff8fc;\r\n border: 1px solid #fdb8e0;\r\n border-radius: 12px;\r\n padding: 16px 15px;\r\n transition: background .2s, transform .2s;\r\n }\r\n .risk-tile:hover { background: #fde0f3; transform: translateY(-2px); }\r\n .risk-tile-icon { font-size: 20px; margin-bottom: 7px; display: block; }\r\n .risk-tile h3 {\r\n font-size: 13px;\r\n font-weight: 800;\r\n color: #d4077a;\r\n text-transform: uppercase;\r\n letter-spacing: .3px;\r\n margin-bottom: 5px;\r\n }\r\n .risk-tile p { font-size: 13.5px; color: #4a4a4a; line-height: 1.6; margin: 0; }\r\n\r\n \/* \u2500\u2500 CHECKLIST \u2500\u2500 *\/\r\n .checklist { display: flex; flex-direction: column; gap: 8px; }\r\n .check-item {\r\n display: flex;\r\n align-items: center;\r\n gap: 12px;\r\n padding: 12px 16px;\r\n border-radius: 10px;\r\n border: 1px solid #f0f0f0;\r\n background: #fafafa;\r\n transition: background .2s, border-color .2s;\r\n cursor: pointer;\r\n }\r\n .check-item:hover { background: #fff0f8; border-color: #fdb8e0; }\r\n .check-box {\r\n width: 22px;\r\n height: 22px;\r\n border-radius: 6px;\r\n border: 2px solid #fdb8e0;\r\n background: #fff;\r\n flex-shrink: 0;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n transition: background .2s, border-color .2s;\r\n }\r\n .check-item.checked .check-box { background: #Fc0a8b; border-color: #Fc0a8b; }\r\n .check-item.checked .check-box::after {\r\n content: '';\r\n width: 5px;\r\n height: 9px;\r\n border: 2px solid #fff;\r\n border-top: none;\r\n border-left: none;\r\n transform: rotate(45deg) translateY(-1px);\r\n display: block;\r\n }\r\n .check-label {\r\n font-size: 14.5px;\r\n color: #1e1e1e;\r\n font-weight: 600;\r\n line-height: 1.4;\r\n transition: color .2s;\r\n }\r\n .check-item.checked .check-label { color: #999; text-decoration: line-through; }\r\n\r\n .check-progress {\r\n margin-bottom: 14px;\r\n background: #f0f0f0;\r\n border-radius: 999px;\r\n height: 6px;\r\n overflow: hidden;\r\n }\r\n .check-progress-bar {\r\n height: 100%;\r\n background: #Fc0a8b;\r\n border-radius: 999px;\r\n transition: width .4s ease;\r\n width: 0%;\r\n }\r\n .check-progress-label {\r\n font-size: 12px;\r\n color: #888;\r\n font-weight: 600;\r\n margin-bottom: 8px;\r\n display: block;\r\n }\r\n\r\n \/* \u2500\u2500 RESEARCH BADGE \u2500\u2500 *\/\r\n .research-link {\r\n display: flex;\r\n align-items: center;\r\n gap: 14px;\r\n padding: 16px 18px;\r\n border-radius: 12px;\r\n border: 1.5px solid #fdb8e0;\r\n background: #fff0f8;\r\n margin-top: 16px;\r\n transition: box-shadow .2s, transform .2s, opacity .2s;\r\n }\r\n .research-link:hover { box-shadow: 0 6px 18px rgba(252,10,139,.10); transform: translateY(-2px); opacity: 1; }\r\n .research-icon { font-size: 24px; flex-shrink: 0; }\r\n .research-content { flex: 1; }\r\n .research-label {\r\n font-size: 10px;\r\n font-weight: 800;\r\n text-transform: uppercase;\r\n letter-spacing: 1.5px;\r\n color: #Fc0a8b;\r\n margin-bottom: 2px;\r\n display: block;\r\n }\r\n .research-title { font-size: 14px; font-weight: 700; color: #1e1e1e; line-height: 1.4; }\r\n .research-arrow { color: #Fc0a8b; font-size: 18px; flex-shrink: 0; }\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n\r\n\r\n <!-- TAG -->\r\n <div class=\"tag-row\">\r\n <span class=\"tag\">Tesorer\u00eda \u00b7 Pagos Empresariales<\/span>\r\n <span class=\"tag-meta\">Pagar a un tercero \u00b7 Control \u00b7 Seguridad<\/span>\r\n <\/div>\r\n\r\n <!-- INTRO -->\r\n <div class=\"intro\">\r\n <p>En el mundo empresarial, un pago es mucho m\u00e1s que una simple transferencia de dinero; es la culminaci\u00f3n de una promesa y la base de una relaci\u00f3n de confianza. Recopilar los datos correctos antes de <strong>pagar a un tercero<\/strong> es vital para cualquier empresa, sin importar su tama\u00f1o.<\/p>\r\n <p>Este proceso, lejos de ser una simple formalidad, es la principal defensa contra fricciones operativas \u2014como pagos rechazados o duplicados\u2014 que consumen tiempo y recursos valiosos. Al asegurar que cada dato sea preciso desde el inicio, una organizaci\u00f3n no solo protege sus finanzas, sino que tambi\u00e9n construye una reputaci\u00f3n de seriedad y eficiencia con sus proveedores, contratistas y empleados.<\/p>\r\n <p>Para lograrlo, el proceso de pago se apoya en <strong>cinco pilares fundamentales<\/strong> que garantizan que cada transacci\u00f3n sea exitosa, segura y auditable.<\/p>\r\n <\/div>\r\n\r\n <!-- STAT DESTACADO con referencia -->\r\n <div class=\"stat-highlight\">\r\n <div class=\"stat-highlight-num\">79%<\/div>\r\n <div class=\"stat-highlight-text\">\r\n <strong>de las organizaciones fueron v\u00edctimas de intentos o ataques de fraude en pagos durante 2024.<\/strong> El Business Email Compromise (BEC) \u2014donde un atacante suplanta a un proveedor para cambiar datos bancarios\u2014 fue el vector n\u00famero uno, citado por el 63% de los encuestados.\r\n <a class=\"stat-highlight-source\" href=\"https:\/\/www.financialprofessionals.org\/training-resources\/resources\/survey-research-economic-data\/details\/payments-fraud\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\u2197 AFP Payments Fraud and Control Survey 2025<\/a>\r\n <\/div>\r\n <\/div>\r\n <!-- IMAGEN -->\r\n <div class=\"cover-img\">\r\n <img decoding=\"async\" src=\"https:\/\/puntored.co\/wp-content\/uploads\/2026\/03\/Checklist-para-pagar-a-un-tercero-sin-errores-scaled.webp\"\r\n alt=\"Checklist para pagar a un tercero sin errores - Puntored\"\r\n loading=\"eager\">\r\n <\/div>\r\n <!-- NAV PILLS -->\r\n <div class=\"nav-pills\">\r\n <a href=\"#pilar1\">Base obligatoria<\/a>\r\n <a href=\"#pilar2\">Motor operativo<\/a>\r\n <a href=\"#pilar3\">Escudo de seguridad<\/a>\r\n <a href=\"#pilar4\">Consecuencias<\/a>\r\n <a href=\"#checklist\">Checklist<\/a>\r\n <\/div>\r\n\r\n <!-- STATS ROW -->\r\n <div class=\"stats-row\">\r\n <div class=\"stat-card\">\r\n <span class=\"stat-num\" data-target=\"79\" data-dec=\"0\" data-suf=\"%\">0%<\/span>\r\n <span class=\"stat-desc\">Empresas atacadas por fraude en pagos<\/span>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <span class=\"stat-num\" data-target=\"63\" data-dec=\"0\" data-suf=\"%\">0%<\/span>\r\n <span class=\"stat-desc\">Afectadas por BEC \/ suplantaci\u00f3n de proveedor<\/span>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <span class=\"stat-num\" data-target=\"20\" data-dec=\"0\" data-suf=\"%\">0%<\/span>\r\n <span class=\"stat-desc\">No pudieron recuperar fondos perdidos<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- CTA -->\r\n <div class=\"cta-block\">\r\n <a class=\"btn-cta\" href=\"https:\/\/share.hsforms.com\/1iV5zGwbjTgK8y2p3lJA6ZAe8s6v\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\r\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M9 2.25L15.75 9L9 15.75M2.25 9h13.5\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n Agenda reuni\u00f3n y mejora como pagar a un tercero\r\n <\/a>\r\n <\/div>\r\n\r\n <!-- PILAR 1 -->\r\n <div class=\"card open\" id=\"pilar1\">\r\n <div class=\"card-header\">\r\n <div class=\"card-accent\"><\/div>\r\n <h2>Pilar 1: La Base Obligatoria \u2014 Informaci\u00f3n esencial para que el pago exista<\/h2>\r\n <span class=\"card-num\">01<\/span>\r\n <div class=\"toggle-icon\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\r\n <path d=\"M2 4.5L6.5 9L11 4.5\" stroke=\"#Fc0a8b\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n <div class=\"card-body\">\r\n <div class=\"card-inner\">\r\n <p style=\"font-size:15.5px;color:#4a4a4a;margin-bottom:16px;line-height:1.72;\">Todo pago exitoso se construye sobre un cimiento de informaci\u00f3n b\u00e1sica indispensable. Estos datos son el requisito m\u00ednimo para que la transacci\u00f3n pueda existir y para asegurar que el dinero llegue exactamente a la persona o empresa correcta, sin ambig\u00fcedades.<\/p>\r\n <table class=\"data-table\">\r\n <thead>\r\n <tr>\r\n <th>Dato requerido<\/th>\r\n <th>Prop\u00f3sito clave<\/th>\r\n <th>Riesgo si falta<\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td><strong>Identificaci\u00f3n del beneficiario<\/strong><\/td>\r\n <td>Garantiza el reconocimiento correcto en sistemas bancarios y contables. En Colombia: c\u00e9dula de ciudadan\u00eda o NIT.<\/td>\r\n <td>Un n\u00famero de c\u00e9dula equivocado puede transferir fondos a una persona completamente distinta.<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Datos bancarios del beneficiario<\/strong><\/td>\r\n <td>Previene errores de digitaci\u00f3n y transferencias a cuentas inexistentes. La certificaci\u00f3n bancaria verifica titularidad y estado activo.<\/td>\r\n <td>Un solo d\u00edgito incorrecto en la cuenta hace que el banco rechace la transferencia.<\/td>\r\n <\/tr>\r\n <tr>\r\n <td><strong>Monto y concepto del pago<\/strong><\/td>\r\n <td>Facilita la conciliaci\u00f3n contable y asegura el cumplimiento tributario (relacionar pagos con facturas validadas por la DIAN).<\/td>\r\n <td>Pagar varias facturas en un solo giro sin detallarlas dificulta que el proveedor aplique el pago correctamente.<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- PILAR 2 -->\r\n <div class=\"card open\" id=\"pilar2\">\r\n <div class=\"card-header\">\r\n <div class=\"card-accent\"><\/div>\r\n <h2>Pilar 2: El Motor Operativo \u2014 Datos clave para un proceso eficiente y sin errores<\/h2>\r\n <span class=\"card-num\">02<\/span>\r\n <div class=\"toggle-icon\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\r\n <path d=\"M2 4.5L6.5 9L11 4.5\" stroke=\"#Fc0a8b\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n <div class=\"card-body\">\r\n <div class=\"card-inner\">\r\n <p style=\"font-size:15.5px;color:#4a4a4a;margin-bottom:16px;line-height:1.72;\">M\u00e1s all\u00e1 de lo b\u00e1sico, la informaci\u00f3n operativa act\u00faa como el motor que impulsa el proceso de tesorer\u00eda, agilizando las tareas y reduciendo la probabilidad de costosos reprocesos. Corregir errores en el origen es siempre m\u00e1s barato que resolverlos despu\u00e9s con el banco.<\/p>\r\n <div class=\"item-list\">\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udd17<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Referencia \u00fanica por factura o contrato<\/p>\r\n <p class=\"item-desc\">Sirve para identificar de manera inequ\u00edvoca cada obligaci\u00f3n de pago, evitar duplicidades y facilitar el rastreo posterior en auditor\u00edas o consultas.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udcc5<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Fecha valor o de ejecuci\u00f3n<\/p>\r\n <p class=\"item-desc\">Permite gestionar la oportunidad del pago: ni antes (afecta el flujo de caja) ni despu\u00e9s (puede generar intereses de mora).<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udcb1<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Moneda de pago<\/p>\r\n <p class=\"item-desc\">Fundamental en transacciones internacionales para evitar diferencias cambiarias inesperadas o el rechazo del pago si la cuenta destino no acepta la moneda enviada.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83c\udfe6<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Canal de pago<\/p>\r\n <p class=\"item-desc\">Seleccionar el medio adecuado (ACH, Transfiya, cheque) seg\u00fan la urgencia y el monto reduce riesgos y optimiza costos. Conocer el banco destino es clave para enrutar bien la transacci\u00f3n.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\u2705<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Validaci\u00f3n previa de cuentas<\/p>\r\n <p class=\"item-desc\">Permite corregir errores antes de que se ejecute la transferencia principal. Confirma que la cuenta existe y pertenece al beneficiario correcto.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- PILAR 3 -->\r\n <div class=\"card open\" id=\"pilar3\">\r\n <div class=\"card-header\">\r\n <div class=\"card-accent\"><\/div>\r\n <h2>Pilar 3: El Escudo de Seguridad \u2014 Control para mitigar fraudes y riesgos<\/h2>\r\n <span class=\"card-num\">03<\/span>\r\n <div class=\"toggle-icon\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\r\n <path d=\"M2 4.5L6.5 9L11 4.5\" stroke=\"#Fc0a8b\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n <div class=\"card-body\">\r\n <div class=\"card-inner\">\r\n <p style=\"font-size:15.5px;color:#4a4a4a;margin-bottom:16px;line-height:1.72;\">La informaci\u00f3n de control funciona como un escudo protector. A\u00f1ade una capa de seguridad y verificaci\u00f3n antes de liberar los fondos, protegiendo a la empresa de fraudes, errores operativos y riesgos de cumplimiento.<\/p>\r\n <div class=\"item-list\">\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udcc4<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Soporte documental (Factura o Contrato)<\/p>\r\n <p class=\"item-desc\">Asegura que ning\u00fan pago se ejecute sin un respaldo v\u00e1lido y auditable (factura aprobada, contrato vigente, orden de compra). Es un pilar del control interno.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udd10<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Aprobaci\u00f3n interna del pago<\/p>\r\n <p class=\"item-desc\">Previene errores y fraudes internos al requerir que los pagos sean autorizados por personal con el nivel adecuado, siguiendo el principio de segregaci\u00f3n de funciones.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udea8<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Verificaci\u00f3n de cambios en datos del proveedor<\/p>\r\n <p class=\"item-desc\">Medida crucial contra el fraude por suplantaci\u00f3n, donde un estafador intenta desviar pagos cambiando los datos bancarios de un proveedor leg\u00edtimo (BEC).<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\u2696\ufe0f<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Segregaci\u00f3n de funciones (SoD)<\/p>\r\n <p class=\"item-desc\">Ninguna persona debe controlar todo el ciclo de un pago (creaci\u00f3n, aprobaci\u00f3n y conciliaci\u00f3n). Esto crea controles cruzados que reducen el riesgo interno.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"item-row\">\r\n <div class=\"item-icon\">\ud83d\udcca<\/div>\r\n <div class=\"item-content\">\r\n <p class=\"item-title\">Trazabilidad y registro del pago<\/p>\r\n <p class=\"item-desc\">Mantener un registro detallado de cada paso (qui\u00e9n aprob\u00f3, cu\u00e1ndo se ejecut\u00f3, c\u00f3digo de transacci\u00f3n) permite investigar incidentes y cumplir con auditor\u00edas.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- PILAR 4 -->\r\n <div class=\"card open\" id=\"pilar4\">\r\n <div class=\"card-header\">\r\n <div class=\"card-accent\"><\/div>\r\n <h2>Pilar 4: Consecuencias de una informaci\u00f3n deficiente<\/h2>\r\n <span class=\"card-num\">04<\/span>\r\n <div class=\"toggle-icon\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\r\n <path d=\"M2 4.5L6.5 9L11 4.5\" stroke=\"#Fc0a8b\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n <div class=\"card-body\">\r\n <div class=\"card-inner\">\r\n <p style=\"font-size:15.5px;color:#4a4a4a;margin-bottom:16px;line-height:1.72;\">Una gesti\u00f3n de datos deficiente no es un problema abstracto: es una fuente real de costos, riesgos y frustraciones operativas que impacta directamente la salud financiera de la empresa.<\/p>\r\n <div class=\"risk-grid\">\r\n <div class=\"risk-tile\">\r\n <span class=\"risk-tile-icon\">\u274c<\/span>\r\n <h3>Pagos rechazados por el banco<\/h3>\r\n <p>Un error en un d\u00edgito de la cuenta o en el documento de identidad puede hacer que el banco rechace la transferencia, generando retrasos y da\u00f1os a la reputaci\u00f3n ante el proveedor.<\/p>\r\n <\/div>\r\n <div class=\"risk-tile\">\r\n <span class=\"risk-tile-icon\">\u23f1\ufe0f<\/span>\r\n <h3>Reprocesos y costos extra<\/h3>\r\n <p>Cada pago rechazado consume tiempo valioso del personal de tesorer\u00eda. La falta de referencias \u00fanicas puede incluso llevar a pagar la misma factura dos veces.<\/p>\r\n <\/div>\r\n <div class=\"risk-tile\">\r\n <span class=\"risk-tile-icon\">\ud83d\udd75\ufe0f<\/span>\r\n <h3>Aumento del riesgo de fraude<\/h3>\r\n <p>El fraude BEC (Business Email Compromise), donde un atacante se hace pasar por un proveedor para cambiar la cuenta de pago, es mucho m\u00e1s probable en empresas con procesos de validaci\u00f3n d\u00e9biles.<\/p>\r\n <\/div>\r\n <div class=\"risk-tile\">\r\n <span class=\"risk-tile-icon\">\u26a0\ufe0f<\/span>\r\n <h3>Sanciones por incumplimiento<\/h3>\r\n <p>No contar con informaci\u00f3n fiscal completa puede llevar a no aplicar retenciones correctamente o a omitir reportes obligatorios, acarreando multas e intereses de la DIAN o el Banco de la Rep\u00fablica.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <a class=\"research-link\" href=\"https:\/\/www.financialprofessionals.org\/training-resources\/resources\/survey-research-economic-data\/details\/payments-fraud\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\r\n <span class=\"research-icon\">\ud83d\udcd1<\/span>\r\n <div class=\"research-content\">\r\n <span class=\"research-label\">Investigaci\u00f3n de referencia<\/span>\r\n <span class=\"research-title\">AFP Payments Fraud and Control Survey 2025 \u2014 El 79% de las organizaciones fueron v\u00edctimas de intentos de fraude en pagos B2B durante 2024.<\/span>\r\n <\/div>\r\n <span class=\"research-arrow\">\u2197<\/span>\r\n <\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- CHECKLIST -->\r\n <div class=\"card open\" id=\"checklist\">\r\n <div class=\"card-header\">\r\n <div class=\"card-accent\"><\/div>\r\n <h2>Conclusi\u00f3n: Tu Checklist para un pago a un tercero exitoso<\/h2>\r\n <span class=\"card-num\">\u2713<\/span>\r\n <div class=\"toggle-icon\">\r\n <svg width=\"13\" height=\"13\" viewBox=\"0 0 13 13\" fill=\"none\">\r\n <path d=\"M2 4.5L6.5 9L11 4.5\" stroke=\"#Fc0a8b\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\r\n <\/svg>\r\n <\/div>\r\n <\/div>\r\n <div class=\"card-body\">\r\n <div class=\"card-inner\">\r\n <p style=\"font-size:15.5px;color:#4a4a4a;margin-bottom:18px;line-height:1.72;\">La lecci\u00f3n m\u00e1s importante de estos cinco pilares es simple: <strong>invertir tiempo en recolectar la informaci\u00f3n correcta una vez ahorra mucho m\u00e1s tiempo (y dinero) a futuro.<\/strong> Marca cada \u00edtem antes de ejecutar cualquier pago.<\/p>\r\n <span class=\"check-progress-label\" id=\"progress-label\">0 de 10 completados<\/span>\r\n <div class=\"check-progress\"><div class=\"check-progress-bar\" id=\"progress-bar\"><\/div><\/div>\r\n <div class=\"checklist\" id=\"checklist-items\">\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Identificaci\u00f3n del beneficiario verificada (c\u00e9dula \/ NIT)<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Certificaci\u00f3n bancaria activa y vigente en mano<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Monto y concepto del pago confirmados con la factura<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Referencia \u00fanica asignada a la factura o contrato<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Fecha valor definida y comunicada al beneficiario<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Canal de pago seleccionado seg\u00fan urgencia y monto<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Validaci\u00f3n previa de la cuenta destino realizada<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Soporte documental aprobado (factura \/ orden de compra)<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Aprobaci\u00f3n interna obtenida por el nivel autorizado<\/span><\/div>\r\n <div class=\"check-item\"><div class=\"check-box\"><\/div><span class=\"check-label\">Cambios recientes en datos del proveedor verificados<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <!-- CTA FINAL -->\r\n <div class=\"cta-block\" style=\"margin-top:28px;\">\r\n <a class=\"btn-cta\" href=\"https:\/\/puntored.co\/pagos-masivos-empresas\/\" target=\"_blank\" rel=\"noopener noreferrer\">\r\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M9 2.25L15.75 9L9 15.75M2.25 9h13.5\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n Ver soluci\u00f3n de pagos masivos para empresas\r\n <\/a>\r\n <\/div>\r\n\r\n<script>\r\n \/\/ Toggle accordion\r\n document.querySelectorAll('.card-header').forEach(header => {\r\n header.addEventListener('click', () => {\r\n header.closest('.card').classList.toggle('open');\r\n });\r\n });\r\n\r\n \/\/ Animated counters\r\n function animateCounter(el) {\r\n const target = parseFloat(el.dataset.target);\r\n const dec = parseInt(el.dataset.dec || 0);\r\n const suf = el.dataset.suf || '';\r\n let t0 = null;\r\n (function step(ts) {\r\n if (!t0) t0 = ts;\r\n const p = Math.min((ts - t0) \/ 1400, 1);\r\n el.textContent = (target * (1 - Math.pow(1 - p, 3))).toFixed(dec) + suf;\r\n if (p < 1) requestAnimationFrame(step);\r\n })(performance.now());\r\n }\r\n\r\n new IntersectionObserver((entries, obs) => {\r\n entries.forEach(e => {\r\n if (e.isIntersecting) {\r\n e.target.querySelectorAll('.stat-num[data-target]').forEach(animateCounter);\r\n obs.unobserve(e.target);\r\n }\r\n });\r\n }, { threshold: 0.3 }).observe(document.querySelector('.stats-row'));\r\n\r\n \/\/ Interactive checklist\r\n const items = document.querySelectorAll('.check-item');\r\n const bar = document.getElementById('progress-bar');\r\n const label = document.getElementById('progress-label');\r\n const total = items.length;\r\n\r\n function updateProgress() {\r\n const done = document.querySelectorAll('.check-item.checked').length;\r\n const pct = Math.round((done \/ total) * 100);\r\n bar.style.width = pct + '%';\r\n label.textContent = done + ' de ' + total + ' completados';\r\n }\r\n\r\n items.forEach(item => {\r\n item.addEventListener('click', () => {\r\n item.classList.toggle('checked');\r\n updateProgress();\r\n });\r\n });\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87cb9f0 elementor-widget elementor-widget-heading\" data-id=\"87cb9f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Revisa los datos para pagar a un tercero \nen tu empresa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Revisa los datos para pagar a un tercero en tu empresa: identificaci\u00f3n, cuenta bancaria, soportes, aprobaciones y validaciones clave.<\/p>\n","protected":false},"author":15,"featured_media":24921,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"[\"title\",\"meta\",\"content\",\"tags\",\"comments\"]","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"categories":[81],"tags":[],"class_list":["post-24918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pagos-masivos"],"_links":{"self":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/24918","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/comments?post=24918"}],"version-history":[{"count":13,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/24918\/revisions"}],"predecessor-version":[{"id":24936,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/24918\/revisions\/24936"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/media\/24921"}],"wp:attachment":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/media?parent=24918"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/categories?post=24918"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/tags?post=24918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}