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Laut Statista besitzen ",{"text":264,"type":79,"marks":265},"98 Prozent der Erwachsenen eine Debitkarte, aber nur 36 Prozent eine Kreditkarte",[266],{"type":177,"attrs":267},{"color":54},{"text":269,"type":79},". Ein Blick in die USA zeigt das genaue Gegenteil: Dort haben rund ",{"text":271,"type":79,"marks":272},"75 Prozent mindestens eine Kreditkarte",[273],{"type":177,"attrs":274},{"color":54},{"text":276,"type":79},", Debitkarten sind kaum verbreitet.",{"type":75,"attrs":278,"content":280},{"textAlign":26,"key":279},"p-5",[281,283,288],{"text":282,"type":79},"Der Grund liegt in der berühmten deutschen ",{"text":284,"type":79,"marks":285},"Schulden-Aversion",[286],{"type":177,"attrs":287},{"color":54},{"text":289,"type":79},": Ausgaben werden lieber sofort vom Konto abgebucht als „auf Kredit\" laufen zu lassen. 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Doch viele Unternehmen zögern – ist es wirklich eine so gute Idee, Firmengelder so leicht verfügbar zu machen?",{"type":75,"attrs":311,"content":313},{"textAlign":26,"key":312},"p-8",[314],{"text":315,"type":79},"Firmenkreditkarten waren lange Außendienstmitarbeitern und Geschäftsführern vorbehalten. Das hatte zwei Gründe:",{"type":317,"attrs":318,"content":321},"ordered_list",{"order":319,"key":320},1,"ol-0",[322,331],{"type":323,"content":324},"list_item",[325],{"type":75,"attrs":326,"content":328},{"textAlign":26,"key":327},"p-9",[329],{"text":330,"type":79},"Kreditkarten bergen ein gewisses Risiko und können missbraucht werden. Um das Betrugsrisiko zu minimieren, wurde ihre Anzahl im Unternehmen möglichst gering gehalten.",{"type":323,"content":332},[333],{"type":75,"attrs":334,"content":336},{"textAlign":26,"key":335},"p-10",[337],{"text":338,"type":79},"Die meisten Angestellten mussten nur selten Ausgaben für das Unternehmen tätigen und haben sich bei Bedarf einfach die Karte ihres Vorgesetzten ausgeliehen oder die Ausgaben vorgestreckt.",{"type":75,"attrs":340,"content":342},{"textAlign":26,"key":341},"p-11",[343],{"text":344,"type":79,"marks":345},"Heute sieht die Ausgangslage anders aus:",[346],{"type":347},"bold",{"type":75,"attrs":349,"content":351},{"textAlign":26,"key":350},"p-12",[352,354,360],{"text":353,"type":79},"Zum einen tätigen mittlerweile fast alle Mitarbeiter eines Unternehmens Ausgaben – von Software-Abos über Amazon-Bestellungen bis hin zu Airbnb-Buchungen. ",{"text":355,"type":79,"marks":356},"Wofür Unternehmen in 2019 ihr Geld ausgaben erfahren Sie im großen Spendesk Spend Trends Report.",[357],{"type":164,"attrs":358},{"href":359,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://get.spendesk.com/spend-trends-report-2019",{"text":361,"type":79}," Das bedeutet in der Konsequenz, dass den meisten Mitarbeitern in irgendeiner Weise Zugang zu Firmengeldern gewährt werden muss, wenn sie ihrer Arbeit reibungslos nachkommen sollen.",{"type":75,"attrs":363,"content":365},{"textAlign":26,"key":364},"p-13",[366,368,381],{"text":367,"type":79},"Gemeinsame Kreditkarten für eine ganze Abteilung oder gar ein gesamtes Unternehmen lassen sich seit der Verpflichtenden Einführung der ",{"text":369,"type":79,"marks":370},"Sicherheitsverfahren 3D-S und PSD2",[371],{"type":164,"attrs":372},{"href":373,"uuid":374,"anchor":26,"target":26,"linktype":231,"story":375},"wie-sich-3d-s-und-psd2-auf-ihre-firmenkreditkarte-auswirken","6e259d87-7939-41fd-b72e-f92d5354bf42",{"name":376,"id":377,"uuid":374,"slug":378,"url":379,"full_slug":380,"_stopResolving":42},"3D-S Authentifizierung ab 15. 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Wer sich nicht von Spesenabrechnungen trennen möchte, ",{"text":414,"type":79,"marks":415},"sollte zumindest mit automatisierten Prozessen arbeiten",[416],{"type":164,"attrs":417},{"href":418,"uuid":419,"anchor":26,"target":26,"linktype":231,"story":420},"spesenabrechnung-leicht-gemacht","8c843997-909c-49bf-ac8e-3f2efabe6501",{"name":421,"id":422,"uuid":419,"slug":418,"url":423,"full_slug":424,"_stopResolving":42},"Spesenabrechnung leicht gemacht - so sparen alle Zeit & Geld beim Monatsabschluss",208795629,"blog/spesenabrechnung-leicht-gemacht","de/blog/spesenabrechnung-leicht-gemacht",{"text":426,"type":79},".",{"type":251,"attrs":428,"content":429},{"level":253,"textAlign":26},[430],{"text":431,"type":79},"Die 4 Kartentypen im Überblick: Kredit, Debit, Prepaid, virtuell",{"type":75,"attrs":433,"content":434},{"textAlign":26,"key":156},[435],{"text":436,"type":79},"Bevor Sie sich entscheiden, lohnt ein Blick auf alle vier gängigen Kartentypen für Unternehmen:",{"type":75,"attrs":438,"content":439},{"textAlign":26,"key":171},[440,444],{"text":441,"type":79,"marks":442},"1. Firmenkreditkarte",[443],{"type":347},{"text":445,"type":79}," Buchung Ende Monat, Verfügungsrahmen statt Guthaben, klassischer Standard für Vielreisende und Führungskräfte. Höhere Limits, aber weniger Live-Kontrolle.",{"type":75,"attrs":447,"content":448},{"textAlign":26,"key":219},[449,453],{"text":450,"type":79,"marks":451},"2. Firmen-Debitkarte",[452],{"type":347},{"text":454,"type":79}," Sofortige Abbuchung vom Firmen- oder Sub-Konto. Ausgaben sind in Echtzeit sichtbar. Ideal für breite Belegschaft mit regelmäßigen, kleineren Ausgaben.",{"type":75,"attrs":456,"content":457},{"textAlign":26,"key":241},[458,462],{"text":459,"type":79,"marks":460},"3. Prepaid-Firmenkarte",[461],{"type":347},{"text":463,"type":79}," Karte wird mit einem festen Guthaben aufgeladen – z. B. für ein Projekt, eine Dienstreise oder externe Mitarbeitende. Maximum an Kontrolle, keine Überziehung möglich.",{"type":75,"attrs":465,"content":466},{"textAlign":26,"key":259},[467,471],{"text":468,"type":79,"marks":469},"4. Virtuelle Karte",[470],{"type":347},{"text":472,"type":79}," Digital erzeugte Kartennummer, meist auf Debit- oder Prepaid-Basis. Für Online-Käufe, Software-Abos, Ads – oft als Einmal-Karte für einen spezifischen Anbieter. Reduziert Betrugsrisiko drastisch, weil Daten nach der Zahlung wertlos werden.",{"type":202,"attrs":474},{"id":204,"body":475},[476],{"_uid":477,"asset":478,"caption":484,"component":216},"i-bfac26f2-16fe-4325-8d37-7d736672f78e",{"id":479,"alt":480,"name":54,"focus":54,"title":481,"source":54,"filename":482,"copyright":213,"fieldtype":59,"meta_data":483,"is_external_url":29},194153859098770,"Kreditkarte, Debitkarte, Prepaid-Karte und virtuelle Karte im Vergleich nach Buchung, Echtzeit-Kontrolle, Budgets, Belegerfassung, DATEV-Anbindung, Betrugsrisiko, Zahlungsziel und Einsatzbereich.","Vergleichstabelle Firmenkartentypen 2026","https://a.storyblok.com/f/146026/1740x1308/b8a488ebf3/kartentypen_grossvergleich.jpg",{"alt":480,"title":481,"source":54,"copyright":213},"Kreditkarte, Debitkarte, Prepaid oder virtuell – welcher Kartentyp passt zu welchem Unternehmen? Der Vergleich zeigt die wichtigsten Unterschiede für Finanzteams auf einen Blick.",{"type":251,"attrs":486,"content":487},{"level":253,"textAlign":26},[488],{"text":489,"type":79},"Der zentrale Unterschied zwischen Kredit- und Debitkarten",{"type":75,"attrs":491,"content":492},{"textAlign":26,"key":279},[493],{"text":494,"type":79},"Auch wenn sie sich im täglichen Gebrauch kaum unterscheiden, laufen bei Kredit- und Debitkarten grundsätzlich verschiedenen Prozesse ab.",{"type":75,"attrs":496,"content":497},{"textAlign":26,"key":292},[498],{"text":499,"type":79},"Während Debitkarten die Buchung direkt von einem Bankkonto einziehen, zahlt bei Kreditkartentransaktionen zunächst die Bank und holt sich die Summe aller Zahlungen am Ende eines Monats (oder nach einem anderen vereinbarten Zeitfenster) per Abbuchung zurück.",{"type":75,"attrs":501,"content":502},{"textAlign":26,"key":306},[503],{"text":504,"type":79},"Debitkarten gewähren keine Kredite. Wird das Konto bei Debitkarten-Zahlungen überzogen, greift der zwischen Kontoinhaber und Bankinstitut vereinbarte Überziehungsrahmen des Kontos. Kreditkarten hingegen haben einen sogenannten Verfügungsrahmen, der erst einmal ausgenutzt und später beglichen werden kann. Während bei Kontoüberziehungen meist eine Gebühr in Form eines Zinses anfällt, wird der Verfügungsrahmen zinsfrei gewährt. Es fallen erst dann Gebühren an, wenn der Verfügungsrahmen nicht rechtzeitig ausgeglichen werden kann.",{"type":75,"attrs":506,"content":507},{"textAlign":26,"key":312},[508,510,516,518,524,526,532],{"text":509,"type":79},"So erklärt sich auch, warum die Debitkarte in Deutschland so gut ankommt. ",{"text":511,"type":79,"marks":512},"Deutsche Verbraucher sind für ihre Schulden-Aversion bekannt.",[513],{"type":164,"attrs":514},{"href":515,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://www2.deloitte.com/content/dam/Deloitte/uk/Documents/financial-services/deloitte-uk-mastercard-the-future-of-credit-a-european-perspective-2019-report-digital-updated.pdf",{"text":517,"type":79}," Selbst Autos werden hierzulande gerne direkt vollständig bezahlt. Ein kurzer Vergleich mit den USA zeigt ein ganz andere Bild. Etwa ",{"text":519,"type":79,"marks":520},"75% der Erwachsenen US-Amerikaner",[521],{"type":164,"attrs":522},{"href":523,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://www.creditcards.com/credit-card-news/ownership-statistics/",{"text":525,"type":79}," besitzen mindestens eine Kreditkarte. Debitkarten sind so gut wie gar nicht bekannt. Hier findest du eine gute ",{"text":527,"type":79,"marks":528},"Übersicht über Konten",[529],{"type":164,"attrs":530},{"href":531,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://bankinggeek.com/girokonto-vergleich/",{"text":533,"type":79},", die Debitkarten (und/oder Kreditkarten) anbieten.",{"type":75,"attrs":535,"content":536},{"textAlign":26,"key":327},[537],{"text":538,"type":79},"Doch Verbraucher sind keine Firmen. Privatpersonen mögen Schulden meiden, aber warum sollten Unternehmen sich für Debitkarten für ihre Belegschaft entscheiden?",{"type":251,"attrs":540,"content":541},{"level":253,"textAlign":26},[542],{"text":543,"type":79},"Die Vorteile von Debitkarten für das Unternehmen",{"type":75,"attrs":545,"content":546},{"textAlign":26,"key":335},[547],{"text":548,"type":79},"Als Unternehmen sollten Sie sich wohl kaum unwohl damit fühlen, kurzfristige, zinsfreie Kredite zu beanspruchen. Immerhin gewähren Ihnen diese einen kleinen Zeitvorsprung. Doch Debitkarten sollten als Alternative zur klassischen Firmenkreditkarte nicht unterschätzt werden. Sie sind nicht nur ein geeignetes Zahlungsmittel für Mitarbeiter, sondern bieten weitere zentrale Vorteile. Welche, zeigt diese Übersicht:",{"type":251,"attrs":550,"content":552},{"level":551,"textAlign":26},3,[553],{"text":554,"type":79,"marks":555},"Budgets",[556],{"type":347},{"type":75,"attrs":558,"content":559},{"textAlign":26,"key":341},[560],{"text":561,"type":79},"Kreditkarten",{"type":75,"attrs":563,"content":564},{"textAlign":26,"key":350},[565],{"text":566,"type":79},"Kreditkarten verfügen über zeitlich begrenzte Verfügungsrahmen. Diese können zwar angepasst werden, lassen aber in der Regel keine zweckgebunden freigegebenen Budgets zu.",{"type":75,"attrs":568,"content":569},{"textAlign":26,"key":364},[570],{"text":571,"type":79},"Debitkarten",{"type":75,"attrs":573,"content":574},{"textAlign":26,"key":385},[575],{"text":576,"type":79},"Debitkarten haben anpassbare, vorab festgelegte Budgets. Sie können auf Anfrage aufgeladen werden. Zum Beispiel für eine bestimmte Dienstreise, ein Abendessen mit Kunden oder Tickets für eine Messe.",{"type":251,"attrs":578,"content":579},{"level":551,"textAlign":26},[580],{"text":581,"type":79},"Betrugsrisiko",{"type":75,"attrs":583,"content":584},{"textAlign":26,"key":395},[585],{"text":561,"type":79},{"type":75,"attrs":587,"content":589},{"textAlign":26,"key":588},"p-16",[590],{"text":591,"type":79},"Laut der Europäischen Zentralbank sehen Betrüger es bei weitem häufiger auf Kreditkarten ab, als auf Debitkarten. Neben dem Betrugsrisiko durch Dritte ist auch das Betrugsrisiko durch die eigenen Mitarbeiter größer (siehe Punkt 1 + 3).",{"type":75,"attrs":593,"content":595},{"textAlign":26,"key":594},"p-17",[596],{"text":571,"type":79},{"type":75,"attrs":598,"content":600},{"textAlign":26,"key":599},"p-18",[601],{"text":602,"type":79},"Da jede Transaktion in Echtzeit mitverfolgt werden kann und Mitarbeitern nur vorab genehmigte Budgets zur Verfügung stehen, hält sich das Betrugsrisiko sehr in Grenzen.",{"type":251,"attrs":604,"content":605},{"level":551,"textAlign":26},[606],{"text":607,"type":79},"Kontrolle",{"type":75,"attrs":609,"content":611},{"textAlign":26,"key":610},"p-19",[612],{"text":561,"type":79},{"type":75,"attrs":614,"content":616},{"textAlign":26,"key":615},"p-20",[617],{"text":618,"type":79},"Am Ende des Monats prüft die Finanzabteilung eines Unternehmens die Ausgaben eines jeden Mitarbeiters mit Firmenkreditkarte. Fehlerhafte Transaktionen (zum Beispiel für private Ausgaben) müssen vom Angestellten zurückgefordert werden, was bisweilen aufwendig und unangenehm werden kann.",{"type":75,"attrs":620,"content":622},{"textAlign":26,"key":621},"p-21",[623],{"text":571,"type":79},{"type":75,"attrs":625,"content":627},{"textAlign":26,"key":626},"p-22",[628],{"text":629,"type":79},"Für jeden Mitarbeiter können individuell Zeitfenster, Wochentage und Ausgabenkategorien freigegeben werden. Die Funktion, am Automaten Geld abzuheben, lässt sich außerdem einfach mit einem Klick aktivieren oder deaktivieren. Das vereinfacht die Kontrolle für Manager und Buchhaltung.",{"type":75,"attrs":631,"content":633},{"textAlign":26,"key":632},"p-23",[634],{"text":635,"type":79},"Der unkomplizierte Einsatz von Kreditkarten ist gleichzeitig auch ihre Schwachstelle, denn Zahlungen können nicht vorab beantragt und genehmigt werden. So fallen Betrug und Missbrauch erst später auf.",{"type":75,"attrs":637,"content":639},{"textAlign":26,"key":638},"p-24",[640,642],{"text":641,"type":79},"Hinweis: Nicht jede Firmen-Debitkarte bietet alle der aufgelisteten Vorteile. Mit der Spendesk-Debitkarte können Sie Budgets im Auge behalten, Ausgaben in Echtzeit tracken und von einem hohen Maß an Kontrolle bei maximaler Benutzerfreundlichkeit profitieren. ",{"text":643,"type":79,"marks":644},"Hier finden Sie mehr Informationen zu unserer Debitkarte für Mitarbeiter.",[645],{"type":164,"attrs":646},{"href":647,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://www.spendesk.com/de/product/cards/physical-cards/",{"type":251,"attrs":649,"content":650},{"level":253,"textAlign":26},[651],{"text":652,"type":79,"marks":653},"Sicherheits- und Abrechnungsfunktionen moderner Firmenkarten",[654],{"type":347},{"type":75,"attrs":656,"content":658},{"textAlign":26,"key":657},"p-25",[659,661,665],{"text":660,"type":79},"Ob Debit-, Prepaid- oder virtuelle Karte: Der eigentliche Mehrwert entsteht durch die ",{"text":662,"type":79,"marks":663},"Software dahinter",[664],{"type":347},{"text":666,"type":79},". Diese Funktionen sollten Sie bei einer Firmenkarte 2026 mindestens erwarten:",{"type":251,"attrs":668,"content":669},{"level":551,"textAlign":26},[670],{"text":671,"type":79,"marks":672},"Sicherheitsfunktionen",[673],{"type":347},{"type":675,"content":676},"bullet_list",[677,689,701,713,725,737,747],{"type":323,"content":678},[679],{"type":75,"attrs":680,"content":682},{"textAlign":26,"key":681},"p-26",[683,687],{"text":684,"type":79,"marks":685},"Individuelle Ausgabenlimits",[686],{"type":347},{"text":688,"type":79}," pro Karte, Nutzer:in, Tag oder Monat",{"type":323,"content":690},[691],{"type":75,"attrs":692,"content":694},{"textAlign":26,"key":693},"p-27",[695,699],{"text":696,"type":79,"marks":697},"Kategoriebeschränkungen",[698],{"type":347},{"text":700,"type":79}," (z. B. nur Tankstellen, nur Software, kein Bargeld)",{"type":323,"content":702},[703],{"type":75,"attrs":704,"content":706},{"textAlign":26,"key":705},"p-28",[707,711],{"text":708,"type":79,"marks":709},"Zeitfenster & Wochentage",[710],{"type":347},{"text":712,"type":79}," – Karte gilt nur während erlaubter Zeiträume",{"type":323,"content":714},[715],{"type":75,"attrs":716,"content":718},{"textAlign":26,"key":717},"p-29",[719,723],{"text":720,"type":79,"marks":721},"Karte in Echtzeit sperren/entsperren",[722],{"type":347},{"text":724,"type":79}," per App oder Web",{"type":323,"content":726},[727],{"type":75,"attrs":728,"content":730},{"textAlign":26,"key":729},"p-30",[731,735],{"text":732,"type":79,"marks":733},"Einmal-Karten für Online-Zahlungen",[734],{"type":347},{"text":736,"type":79}," – Kartennummer wird nach der Buchung ungültig",{"type":323,"content":738},[739],{"type":75,"attrs":740,"content":742},{"textAlign":26,"key":741},"p-31",[743],{"text":744,"type":79,"marks":745},"3D-Secure / PSD2-konforme Authentifizierung",[746],{"type":347},{"type":323,"content":748},[749],{"type":75,"attrs":750,"content":752},{"textAlign":26,"key":751},"p-32",[753,757],{"text":754,"type":79,"marks":755},"Echtzeit-Benachrichtigungen",[756],{"type":347},{"text":758,"type":79}," bei jeder Transaktion",{"type":251,"attrs":760,"content":761},{"level":551,"textAlign":26},[762],{"text":763,"type":79,"marks":764},"Abrechnungsfunktionen",[765],{"type":347},{"type":675,"content":767},[768,780,792,804,816,828],{"type":323,"content":769},[770],{"type":75,"attrs":771,"content":773},{"textAlign":26,"key":772},"p-33",[774,778],{"text":775,"type":79,"marks":776},"Belegpflicht direkt in der App:",[777],{"type":347},{"text":779,"type":79}," Foto der Quittung wird beim Bezahlen erinnert und automatisch der Buchung zugeordnet",{"type":323,"content":781},[782],{"type":75,"attrs":783,"content":785},{"textAlign":26,"key":784},"p-34",[786,790],{"text":787,"type":79,"marks":788},"OCR-Erkennung von Betrag, Datum, MwSt.-Satz",[789],{"type":347},{"text":791,"type":79}," – GoBD-konform archivierbar",{"type":323,"content":793},[794],{"type":75,"attrs":795,"content":797},{"textAlign":26,"key":796},"p-35",[798,802],{"text":799,"type":79,"marks":800},"Kostenstellen & Projekte",[801],{"type":347},{"text":803,"type":79}," pro Karte oder pro Transaktion zuordenbar",{"type":323,"content":805},[806],{"type":75,"attrs":807,"content":809},{"textAlign":26,"key":808},"p-36",[810,814],{"text":811,"type":79,"marks":812},"Automatischer Export nach DATEV",[813],{"type":347},{"text":815,"type":79}," (inkl. Belege)",{"type":323,"content":817},[818],{"type":75,"attrs":819,"content":821},{"textAlign":26,"key":820},"p-37",[822,826],{"text":823,"type":79,"marks":824},"Freigabe-Workflows",[825],{"type":347},{"text":827,"type":79}," vor größeren Ausgaben",{"type":323,"content":829},[830],{"type":75,"attrs":831,"content":833},{"textAlign":26,"key":832},"p-38",[834,838],{"text":835,"type":79,"marks":836},"Multi-Entity-Support",[837],{"type":347},{"text":839,"type":79}," für Konzerne mit mehreren Gesellschaften",{"type":251,"attrs":841,"content":842},{"level":551,"textAlign":26},[843],{"text":844,"type":79,"marks":845},"Warum das wichtig ist",[846],{"type":347},{"type":75,"attrs":848,"content":850},{"textAlign":26,"key":849},"p-39",[851,853,857],{"text":852,"type":79},"Ohne diese Funktionen ist eine Firmenkarte im Grunde nur eine „digitale Portokasse\". Erst mit ",{"text":854,"type":79,"marks":855},"Limits + Belegpflicht + Echtzeit-Kontrolle",[856],{"type":347},{"text":858,"type":79}," wird sie zu einem Spend-Management-Werkzeug, das Buchhaltung und Team gleichermaßen entlastet – und das Betrugsrisiko realistisch auf ein Minimum reduziert.",{"type":251,"attrs":860,"content":861},{"level":253,"textAlign":26},[862],{"text":863,"type":79},"Fazit: Debitkarten treffen die Balance zwischen Sicherheit und Einfachheit",{"type":75,"attrs":865,"content":867},{"textAlign":26,"key":866},"p-40",[868,870,876],{"text":869,"type":79},"Wer seine Mitarbeitern in ihrer Tätigkeit für das Unternehmen unterstützen möchte, muss dafür sorgen, dass diese Geld ausgeben können. Das einst recht hohe Risiko von Firmenkarten lässt sich durch ",{"text":871,"type":79,"marks":872},"moderne Alternativen zur Kreditkarte",[873],{"type":164,"attrs":874},{"href":875,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://blog.spendesk.com/de/firmenkreditkarte",{"text":877,"type":79}," mitigieren.",{"type":75,"attrs":879,"content":880},{"textAlign":26},[881],{"type":202,"attrs":882},{"id":244,"body":883},[884],{"_uid":885,"html":886,"component":249},"6dfeeca2-79f9-41ea-8ab7-261aef1d60f6","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-baab29bd-7f42-4f59-aecd-6eb6ac490980\">\u003Cspan class=\"hs-cta-node hs-cta-baab29bd-7f42-4f59-aecd-6eb6ac490980\" id=\"hs-cta-baab29bd-7f42-4f59-aecd-6eb6ac490980\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/baab29bd-7f42-4f59-aecd-6eb6ac490980\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-baab29bd-7f42-4f59-aecd-6eb6ac490980\" style=\"border-width:0px;\" height=\"500\" width=\"1500\" src=\"https://no-cache.hubspot.com/cta/default/2694209/baab29bd-7f42-4f59-aecd-6eb6ac490980.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'baab29bd-7f42-4f59-aecd-6eb6ac490980', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":75,"attrs":888,"content":890},{"textAlign":26,"key":889},"p-41",[891,895,897,902,904],{"text":571,"type":79,"marks":892},[893],{"type":164,"attrs":894},{"href":647,"uuid":26,"anchor":26,"target":26,"linktype":62},{"text":896,"type":79}," gewähren den Mitarbeitern einen einfachen Zugriff auf Firmengelder, ermöglichen aber trotzdem ein hohes Maß an Sicherheit und Kontrolle durch festgelegte Budgets und Verwendungszwecke. Ausgaben können in Echtzeit nachverfolgt werden, was eventuelle Betrugsversuche schnell auffliegen lässt. ",{"text":898,"type":79,"marks":899},"Wer Online-Ausgaben, Abos und Werbeanzeigen zusätzlich absichern möchte, ergänzt Debitkarten am besten mit ",[900],{"type":177,"attrs":901},{"color":179},{"text":903,"type":79},"virtuellen Karten",{"text":905,"type":79,"marks":906}," – so ist für jeden Ausgabetyp die passende Karte im Einsatz.",[907],{"type":177,"attrs":908},{"color":179},{"type":75,"attrs":910,"content":912},{"textAlign":26,"key":911},"p-42",[913,915],{"text":914,"type":79},"Wenn Sie sich für Debitkarten für Ihr Unternehmen interessieren, ",{"text":916,"type":79,"marks":917},"können Sie hier einen Termin mit einem unserer Experten vereinbaren.",[918],{"type":164,"attrs":919},{"href":920,"uuid":26,"anchor":26,"target":26,"linktype":62},"https://www.spendesk.com/de/schedule-a-demo/",{"name":922,"created_at":923,"published_at":16,"updated_at":924,"id":925,"uuid":926,"content":927,"slug":934,"full_slug":935,"sort_by_date":26,"position":27,"tag_list":936,"is_startpage":29,"parent_id":937,"meta_data":26,"group_id":938,"first_published_at":939,"release_id":26,"lang":33,"path":26,"alternates":940,"default_full_slug":941,"translated_slugs":942,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":928,"icon":929,"name":922,"component":933},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":930,"alt":931,"name":54,"focus":54,"title":54,"filename":932,"copyright":54,"fieldtype":59,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[943,944,945],{"path":941,"name":26,"lang":38,"published":26},{"path":941,"name":26,"lang":33,"published":26},{"path":941,"name":26,"lang":41,"published":26},[33],[948],{"_uid":949,"asset":950,"shadow":29,"caption":54,"overlay":952,"component":216},"10ba776c-2160-4f8e-9d10-9efc375ea828",{"alt":224,"name":54,"focus":54,"title":54,"filename":951,"copyright":54,"fieldtype":59,"is_external_url":29},"https://a.storyblok.com/f/146026/1190x670/a69a60cfbc/blog-visual_09.jpg",[],[],"2024-04-16 00:00","5",[],"Debitkarte, Kreditkarte, Prepaid oder virtuelle Karte fürs Unternehmen? 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Entscheidend sind die konkreten Bedingungen der jeweiligen Karte.",[3122],{"type":177,"attrs":3123},{"color":2517},{"_uid":3125,"hide":29,"title":3126,"component":966,"description":3127},"bf70d497-d8a4-4c9a-90a5-9578bd95b2bc","Ist die Kreditkartenabrechnung ein ausreichender Beleg?",{"type":72,"attrs":3128,"content":3129},{"backgroundColor":26},[3130],{"type":75,"attrs":3131,"content":3132},{"textAlign":26},[3133],{"text":3134,"type":79,"marks":3135},"Nicht automatisch. Die Kartenabrechnung dokumentiert die Belastung, ersetzt aber nicht zwingend die Rechnung oder den Kassenbeleg des Anbieters. Bewahren Sie den passenden Beleg zur jeweiligen Transaktion auf und ordnen Sie ihn der Kartenzahlung zu.",[3136],{"type":177,"attrs":3137},{"color":2517},{"_uid":3139,"hide":29,"title":3140,"component":966,"description":3141},"81d48b3f-82f6-4fad-98e9-1970e0d6bb87","Wie wichtig sind Freigaben und Belege?",{"type":72,"attrs":3142,"content":3143},{"backgroundColor":26},[3144],{"type":75,"attrs":3145,"content":3146},{"textAlign":26},[3147],{"text":3148,"type":79,"marks":3149},"Je mehr Personen Karten nutzen, desto wichtiger werden Limits, Freigaben und Belegpflichten. Eine Karte mit Cashback kann günstiger wirken, verursacht aber zusätzliche Arbeit, wenn das Finanzteam fehlende Belege, unklare Kostenstellen oder nicht mehr benötigte Abos nachträglich klären muss.",[3150],{"type":177,"attrs":3151},{"color":2517},[3153],{"cta":3154,"_uid":3155,"title":3156,"layout":54,"eyebrow":3164,"subtitle":3167,"component":251,"textAlign":54,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3170,"sectionSettings":3171,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":54},[],"e40adc4a-0799-4f19-911b-01f144e26cbf",{"type":72,"attrs":3157,"content":3158},{"backgroundColor":26},[3159],{"type":251,"attrs":3160,"content":3161},{"level":253,"textAlign":26},[3162],{"text":3163,"type":79},"Häufige Fragen zu Geschäftskarten",{"type":72,"content":3165},[3166],{"type":75},{"type":72,"content":3168},[3169],{"type":75},[],[],[],"geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle","de/blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",-3720,[],"a577cbdb-e11d-462f-b6cc-ac5bf0192fe5","2026-10-16T09:38:26.206Z",[],"blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",[3182,3183,3184],{"path":3180,"name":26,"lang":38,"published":26},{"path":3180,"name":26,"lang":33,"published":26},{"path":3180,"name":26,"lang":41,"published":26},{"name":3186,"created_at":3187,"published_at":3188,"updated_at":3189,"id":3190,"uuid":3191,"content":3192,"slug":3351,"full_slug":3352,"sort_by_date":26,"position":3353,"tag_list":3354,"is_startpage":29,"parent_id":1166,"meta_data":26,"group_id":3355,"first_published_at":3356,"release_id":26,"lang":33,"path":26,"alternates":3357,"default_full_slug":3358,"translated_slugs":3359},"Virtuelle Einmalkarte: Sichere Onlinezahlungen für Unternehmen","2026-08-22T07:19:52.918Z","2026-09-25T11:59:49.150Z","2026-09-25T11:59:49.184Z",211736956622449,"93cff5be-fa2a-418e-8126-2c554bf59a33",{"_uid":3193,"title":3186,"topics":3194,"noIndex":29,"category":3203,"language":3212,"component":934,"heroMedia":3213,"publishedAt":3214,"redirectUrl":54,"listingImage":3215,"metaDescription":3225,"bottomArticleCta":3226,"componentsAfterTheArticle":3227},"6ab7a872-8599-4669-9416-09f42997e1da",[3195],{"name":95,"created_at":96,"published_at":97,"updated_at":98,"id":99,"uuid":100,"content":3196,"slug":112,"full_slug":113,"sort_by_date":26,"position":114,"tag_list":3197,"is_startpage":29,"parent_id":116,"meta_data":26,"group_id":117,"first_published_at":118,"release_id":26,"lang":33,"path":26,"alternates":3198,"default_full_slug":120,"translated_slugs":3199,"_stopResolving":42},{"_uid":110,"name":111,"component":23},[],[],[3200,3201,3202],{"path":120,"name":26,"lang":38,"published":26},{"path":120,"name":26,"lang":33,"published":42},{"path":120,"name":26,"lang":41,"published":26},{"name":922,"created_at":923,"published_at":16,"updated_at":924,"id":925,"uuid":926,"content":3204,"slug":934,"full_slug":935,"sort_by_date":26,"position":27,"tag_list":3206,"is_startpage":29,"parent_id":937,"meta_data":26,"group_id":938,"first_published_at":939,"release_id":26,"lang":33,"path":26,"alternates":3207,"default_full_slug":941,"translated_slugs":3208,"_stopResolving":42},{"_uid":928,"icon":3205,"name":922,"component":933},{"id":930,"alt":931,"name":54,"focus":54,"title":54,"filename":932,"copyright":54,"fieldtype":59,"is_external_url":29},[],[],[3209,3210,3211],{"path":941,"name":26,"lang":38,"published":26},{"path":941,"name":26,"lang":33,"published":26},{"path":941,"name":26,"lang":41,"published":26},[33],[],"2026-08-24 00:00",[3216],{"_uid":3217,"asset":3218,"caption":54,"component":216},"f33268e6-026b-4f0b-8002-15b8f0a0e343",{"id":3219,"alt":3220,"name":54,"focus":54,"title":3221,"source":54,"filename":3222,"copyright":213,"fieldtype":59,"meta_data":3223,"is_external_url":29},212502123177017,"Indigoblaue Gravur einer virtuellen Einmalkarte an einem Zahlungsterminal als Symbol für begrenzte, kontrollierte und sichere Onlinezahlungen.","Virtuelle Einmalkarte für sichere Onlinezahlungen","https://a.storyblok.com/f/146026/2528x1696/61596eea22/virtuelle-einmalkarten-titelbild.jpg",{"alt":3220,"size":3224,"title":3221,"source":54,"copyright":213},"2528x1696","Virtuelle Einmalkarten sichern einmalige Lieferantenzahlungen und Onlinekäufe. Erfahren Sie, wie Freigaben, Limits und Belegzuordnung funktionieren.",[],[3228],{"cta":3229,"_uid":3230,"items":3231,"heading":3330,"reverse":29,"component":1153,"sectionSettings":3350},[],"32c261dc-b2f4-40e5-ab84-ef692a6e2964",[3232,3246,3260,3274,3288,3302,3316],{"_uid":3233,"hide":29,"title":3234,"component":966,"description":3235},"092d2bf5-1b4e-4bf4-853f-40c69b072506","Was ist eine virtuelle Einmalkarte?",{"type":72,"attrs":3236,"content":3237},{"backgroundColor":26},[3238],{"type":75,"attrs":3239,"content":3240},{"textAlign":26},[3241],{"text":3242,"type":79,"marks":3243},"Eine virtuelle Einmalkarte ist ein digitaler Kartendatensatz, der für einen einzelnen genehmigten Zahlungsvorgang vorgesehen ist. Nach erfolgreicher Nutzung oder Ablauf ist sie in der Regel nicht erneut verwendbar.",[3244],{"type":177,"attrs":3245},{"color":2517},{"_uid":3247,"hide":29,"title":3248,"component":966,"description":3249},"b3e57b18-fa1a-46b5-8b56-1a2086725f81","Ist eine virtuelle Einmalkarte eine Kreditkarte?",{"type":72,"attrs":3250,"content":3251},{"backgroundColor":26},[3252],{"type":75,"attrs":3253,"content":3254},{"textAlign":26},[3255],{"text":3256,"type":79,"marks":3257},"Nein. Sie funktioniert normalerweise nach dem Debit- oder Prepaid-Prinzip und ist durch einen vorher verfügbaren oder genehmigten Betrag begrenzt.",[3258],{"type":177,"attrs":3259},{"color":2517},{"_uid":3261,"hide":29,"title":3262,"component":966,"description":3263},"86530bb5-f1c9-4984-a428-ab3b70d48aef","Kann ich mit einer Einmalkarte neue Lieferant:innen bezahlen?",{"type":72,"attrs":3264,"content":3265},{"backgroundColor":26},[3266],{"type":75,"attrs":3267,"content":3268},{"textAlign":26},[3269],{"text":3270,"type":79,"marks":3271},"Ja. Sie eignet sich besonders für einmalige Zahlungen an neue Lieferanten, weil keine dauerhaft nutzbare Kartennummer hinterlegt werden muss. Die Lieferantenprüfung bleibt trotzdem erforderlich.",[3272],{"type":177,"attrs":3273},{"color":2517},{"_uid":3275,"hide":29,"title":3276,"component":966,"description":3277},"20c1d395-ed9e-4ee5-ab3e-274eca4ce6de","Verhindert eine Einmalkarte automatisch die Verlängerung eines Software-Abos?",{"type":72,"attrs":3278,"content":3279},{"backgroundColor":26},[3280],{"type":75,"attrs":3281,"content":3282},{"textAlign":26},[3283],{"text":3284,"type":79,"marks":3285},"Sie kann das Risiko einer ungewollten Folgebelastung reduzieren, weil die Kartennummer nach der erfolgreichen Zahlung nicht dauerhaft verwendet werden kann. Eine Prüfung der Vertragsbedingungen und Kündigungsfristen ersetzt sie nicht.",[3286],{"type":177,"attrs":3287},{"color":2517},{"_uid":3289,"hide":29,"title":3290,"component":966,"description":3291},"a8ae3416-03b6-4142-b820-bbf938338f22","Was passiert, wenn der Rechnungsbetrag höher ist als das Kartenlimit?",{"type":72,"attrs":3292,"content":3293},{"backgroundColor":26},[3294],{"type":75,"attrs":3295,"content":3296},{"textAlign":26},[3297],{"text":3298,"type":79,"marks":3299},"Die Zahlung kann abgelehnt werden. Das Finanzteam sollte den abweichenden Betrag prüfen, bevor ein höheres Limit oder eine neue Karte freigegeben wird.",[3300],{"type":177,"attrs":3301},{"color":2517},{"_uid":3303,"hide":29,"title":3304,"component":966,"description":3305},"af98866a-19d2-456a-a289-923f88a901b7","Wie wird eine Einmalkarten-Zahlung verbucht?",{"type":72,"attrs":3306,"content":3307},{"backgroundColor":26},[3308],{"type":75,"attrs":3309,"content":3310},{"textAlign":26},[3311],{"text":3312,"type":79,"marks":3313},"Die Zahlung wird wie eine andere Kartentransaktion erfasst. Entscheidend sind die korrekte Zuordnung von Beleg, Lieferant, Kostenstelle und Ausgabenkategorie sowie die anschließende Übergabe an die Buchhaltung.",[3314],{"type":177,"attrs":3315},{"color":2517},{"_uid":3317,"hide":29,"title":3318,"component":966,"description":3319},"c81f6c90-3035-4081-8fbb-ac0d66108475","Wann ist eine wiederkehrende virtuelle Karte besser?",{"type":72,"attrs":3320,"content":3321},{"backgroundColor":26},[3322],{"type":75,"attrs":3323,"content":3324},{"textAlign":26},[3325],{"text":3326,"type":79,"marks":3327},"Sie eignet sich für regelmäßige Zahlungen wie Software-Abos oder wiederkehrende Lieferant:innenrechnungen. Die Kartennummer bleibt bestehen und wird mit einem passenden monatlichen oder jährlichen Limit versehen.",[3328],{"type":177,"attrs":3329},{"color":2517},[3331],{"cta":3332,"_uid":3333,"title":3334,"eyebrow":3342,"subtitle":3345,"component":251,"textAlign":54,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3348,"sectionSettings":3349,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":54},[],"45a23c85-afee-437e-8d2a-e201551b3fd3",{"type":72,"attrs":3335,"content":3336},{"backgroundColor":26},[3337],{"type":251,"attrs":3338,"content":3339},{"level":253,"textAlign":26},[3340],{"text":3341,"type":79},"Häufige Fragen zu virtuellen Einmalkarten",{"type":72,"content":3343},[3344],{"type":75},{"type":72,"content":3346},[3347],{"type":75},[],[],[],"virtuelle-einmalkarte-unternehmen-onlinezahlungen","de/blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",-2800,[],"7f5e48f1-d6a8-40d8-acc5-44ac96572036","2026-08-24T10:53:08.760Z",[],"blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",[3360,3361,3362],{"path":3358,"name":26,"lang":38,"published":26},{"path":3358,"name":26,"lang":33,"published":26},{"path":3358,"name":26,"lang":41,"published":26},1793991661230]