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Véritable puit de compétitivité et d’",{"text":203,"type":57,"marks":204},"amélioration de l’organisation du travail",[205],{"type":169},{"text":207,"type":57},", elle est perçue comme le meilleur moyen pour tirer profit de la révolution numérique et accroître les performances des entreprises.",{"type":53,"content":209},[210,212,220,222,226],{"text":211,"type":57},"A l’échelle européenne, la simple ",{"text":213,"type":57,"marks":214},"dématérialisation des factures",[215],{"type":174,"attrs":216},{"href":217,"uuid":218,"anchor":60,"target":60,"linktype":219},"dematerialisation-factures-fournisseurs-conseils","0c08b7cd-84d3-4e89-b946-e021f3845b86","story",{"text":221,"type":57}," permettrait une ",{"text":223,"type":57,"marks":224},"économie de 65 milliards d’euros chaque année",[225],{"type":169},{"text":227,"type":57},". 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Alors que la dématérialisation s’impose petit à petit dans notre quotidien, de plus en plus de banques ont développé des ",{"text":247,"type":57,"marks":248},"solutions innovantes,",[249],{"type":169},{"text":251,"type":57}," par exemple Kwixo (Crédit Agricole) est un système permettant d'effectuer des paiements ou virements de fonds en ligne pour les particuliers, ou Kix, système de paiement mobile de BNP Paribas.",{"type":53,"content":253},[254,256,263,265,279,281,285,287,291,293,297],{"text":255,"type":57},"Les ",{"text":257,"type":57,"marks":258},"cartes bancaires virtuelles",[259],{"type":174,"attrs":260},{"href":261,"uuid":262,"anchor":60,"target":60,"linktype":219},"carte-virtuelle-mastercard","15e442d4-0d73-4660-8b7d-eb25691635d9",{"text":264,"type":57}," s’imposent comme la solution incontournable pour les entreprises innovantes. Leur objectif est de répondre aux enjeux de sécurité et d’agilité, pour permettre d’optimiser leur rentabilité et leur performance sur le long terme. En effet, ",{"text":266,"type":57,"marks":267},"la carte bleue",[268],{"type":174,"attrs":269},{"href":270,"uuid":271,"anchor":60,"target":272,"linktype":219,"story":273},"/blog/e-carte-bleue-fonctionnement-avantages","59f0070e-025c-47e2-b6e1-3d3bf6c5097d","_self",{"name":274,"id":275,"uuid":271,"slug":276,"url":277,"full_slug":278,"_stopResolving":75},"La e-carte bleue : fonctionnement, sécurité et avantages",208801008,"e-carte-bleue-fonctionnement-avantages","blog/e-carte-bleue-fonctionnement-avantages","fr/blog/e-carte-bleue-fonctionnement-avantages",{"text":280,"type":57}," est de loin le premier moyen de paiement utilisé par la population en France. En 2016, le ",{"text":282,"type":57,"marks":283},"groupe Carte Bleue",[284],{"type":169},{"text":286,"type":57}," a réalisé ",{"text":288,"type":57,"marks":289},"592,5 milliards d’euros de chiffre d’affaires",[290],{"type":169},{"text":292,"type":57}," avec 12,1 milliards de transactions enregistrées. La ",{"text":294,"type":57,"marks":295},"quantité de paiements",[296],{"type":169},{"text":298,"type":57}," enregistrée progresse d’environ 5% chaque année, symbole de la nécessité de ce moyen de s’adapter aux mutations technologiques et digitales.",{"type":236,"attrs":300,"content":301},{"level":238},[302],{"text":303,"type":57},"Les solutions à la disposition des entreprises",{"type":236,"attrs":305,"content":307},{"level":306},3,[308],{"text":309,"type":57},"Les cartes bancaires virtuelles et dématérialisées",{"type":53,"content":311},[312,313,319,321,325,327,331,333,337],{"text":255,"type":57},{"text":257,"type":57,"marks":314},[315],{"type":174,"attrs":316},{"href":317,"uuid":318,"anchor":60,"target":60,"linktype":219},"carte-bancaire-virtuelle-salaries","2a57a604-d8e1-4b79-aa23-87bff01a1353",{"text":320,"type":57}," sont largement privilégiées pour l’",{"text":322,"type":57,"marks":323},"amélioration des paiements des entreprises",[324],{"type":169},{"text":326,"type":57},". Le principe est simple : le détenteur utilise un ",{"text":328,"type":57,"marks":329},"numéro de carte bancaire temporaire",[330],{"type":169},{"text":332,"type":57}," et unique à chaque transaction. Ce numéro est systématiquement renouvelé, ce qui le protège des tentatives de fraudes. Elles fonctionnent à l’aide d’un simple site internet ou d’une application mobile permettant de solliciter un nouveau numéro dès lors que vous souhaitez ",{"text":334,"type":57,"marks":335},"effectuer un paiement",[336],{"type":169},{"text":338,"type":57},". Ce service correspond surtout aux adeptes des achats en ligne.",{"type":53,"content":340},[341],{"type":231,"attrs":342},{"alt":343,"src":344,"title":60,"copyright":60},"Card-1.png","https://get.spendesk.com/hubfs/img-post/Card-1.png",{"type":236,"attrs":346,"content":347},{"level":306},[348],{"text":349,"type":57},"Les cartes bancaires biométriques",{"type":53,"content":351},[352,354,358,360,366,368,372],{"text":353,"type":57},"Les paiements importants peuvent désormais être validés grâce à un lecteur d’",{"text":355,"type":57,"marks":356},"empreinte digitale",[357],{"type":169},{"text":359,"type":57},". Présentée au Forum Carte Bleue, la ",{"text":361,"type":57,"marks":362},"carte biométrique",[363],{"type":174,"attrs":364},{"href":365,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.idemia.com/fr/communique-de-presse/idemia-fournit-la-premiere-carte-didentite-nationale-intelligente-aux-citoyens-du-nepal-2018-12-12",{"text":367,"type":57}," est développée par Idemia et des essais devraient être menés au courant de l’année 2018. Sa commercialisation auprès du grand public devrait avoir lieu rapidement, dans les années à venir. L’",{"text":369,"type":57,"marks":370},"ajout d’un contrôle biométrique",[371],{"type":169},{"text":373,"type":57}," permettrait notamment de convaincre les derniers réticents au paiement sans contact.",{"type":236,"attrs":375,"content":376},{"level":306},[377],{"text":378,"type":57},"Le paiement mobile via une application",{"type":53,"content":380},[381,383,387,389,393,395,399,401,405],{"text":382,"type":57},"Le ",{"text":384,"type":57,"marks":385},"porte-monnaie électronique",[386],{"type":169},{"text":388,"type":57}," est désormais utilisé par de nombreuses banques qui développent des ",{"text":390,"type":57,"marks":391},"applications spécifiques",[392],{"type":169},{"text":394,"type":57},". Il propose des services sous la forme d’un compte prépayé qu’il est nécessaire de recharger au préalable. Il facilite les transferts d’argent entre particuliers et entreprises. Aussi, des systèmes permettant directement de régler vos achats avec votre carte bancaire dématérialisée dans votre mobile, tels qu’Apple et son ",{"text":396,"type":57,"marks":397},"célèbre Apple Pay",[398],{"type":169},{"text":400,"type":57}," mis en service depuis 2014. Pas besoin de mot de passe ni de signature, tout se fait électroniquement. Le paiement mobile est potentiellement utilisable partout, peut intégrer toutes les cartes de paiement, ",{"text":402,"type":57,"marks":403},"facilite le suivi des transactions",[404],{"type":169},{"text":406,"type":57}," et permet de transférer facilement les données vers un autre appareil mobile.",{"type":236,"attrs":408,"content":409},{"level":306},[410],{"text":411,"type":57},"Le paiement sur les réseaux sociaux",{"type":53,"content":413},[414,416,420,422,426],{"text":415,"type":57},"Les réseaux sociaux ne sont pas en reste, et BPCE mise sur Twitter pour son service de ",{"text":417,"type":57,"marks":418},"porte-monnaie électronique S-Money",[419],{"type":169},{"text":421,"type":57},". Chaque utilisateur disposant d’un compte pourra envoyer de l’argent à un autre utilisateur grâce à l’envoi d’un tweet. 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Aussi, le groupe Visa est prêt à développer de nouveaux systèmes de paiement via LinkedIn, ou encore WhatsApp.",{"type":53,"content":429},[430],{"type":231,"attrs":431},{"alt":432,"src":433,"title":60,"copyright":60},"pexels-photo-607812.jpeg","https://get.spendesk.com/hubfs/img-post/pexels-photo-607812.jpeg",{"type":236,"attrs":435,"content":436},{"level":306},[437],{"text":438,"type":57},"Les e-monnaies",{"type":53,"content":440},[441,443,447,449,453,455,459],{"text":442,"type":57},"Une ",{"text":444,"type":57,"marks":445},"e-monnaie",[446],{"type":169},{"text":448,"type":57}," est une monnaie totalement virtuelle émise par un algorithme, conçue comme un ",{"text":450,"type":57,"marks":451},"moyen de paiement universel",[452],{"type":169},{"text":454,"type":57}," pour les transactions en ligne. Il est nécessaire de les convertir en monnaie fiduciaire pour les posséder sur son compte bancaire traditionnel. 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00:00",[],[],"Construisez un business case de gestion des dépenses avec un modèle concret pour calculer le ROI, le TCO, les gains et le délai de récupération.",[],[2358],{"cta":2359,"_uid":2360,"items":2361,"heading":2434,"reverse":30,"component":571,"sectionSettings":2458},[],"3f8ed96a-76e2-4d90-8259-905056b7cff6",[2362,2379,2400,2417],{"_uid":2363,"hide":30,"title":2364,"component":519,"description":2365},"001ffd20-9dfe-4654-b55a-dfe473d622b9","Quel est le délai de récupération d’un logiciel de gestion des dépenses ?",{"type":50,"attrs":2366,"content":2367},{"backgroundColor":60},[2368],{"type":53,"attrs":2369,"content":2370},{"textAlign":60},[2371,2373,2377],{"text":2372,"type":57},"Il dépend du volume de dépenses traité, du temps actuellement consacré aux tâches manuelles et du coût de la solution. 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00:00",[],"Dépenses hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[2519],{"cta":2520,"_uid":2521,"items":2522,"heading":2607,"reverse":30,"component":571,"sectionSettings":2633},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[2523,2543,2564,2585],{"_uid":2524,"hide":30,"title":2525,"component":519,"description":2526},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":50,"attrs":2527,"content":2528},{"backgroundColor":60},[2529,2534],{"type":53,"attrs":2530,"content":2531},{"textAlign":60},[2532],{"text":2533,"type":57},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":53,"attrs":2535,"content":2536},{"textAlign":60},[2537,2539],{"text":2538,"type":57},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":2540,"type":57,"marks":2541},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[2542],{"type":169},{"_uid":2544,"hide":30,"title":2545,"component":519,"description":2546},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":50,"attrs":2547,"content":2548},{"backgroundColor":60},[2549,2554],{"type":53,"attrs":2550,"content":2551},{"textAlign":60},[2552],{"text":2553,"type":57},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":53,"attrs":2555,"content":2556},{"textAlign":60},[2557,2559,2563],{"text":2558,"type":57},"La décision doit être conservée avec ",{"text":2560,"type":57,"marks":2561},"le motif et l’identité de l’approbateur",[2562],{"type":169},{"text":2399,"type":57},{"_uid":2565,"hide":30,"title":2566,"component":519,"description":2567},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":50,"attrs":2568,"content":2569},{"backgroundColor":60},[2570,2575],{"type":53,"attrs":2571,"content":2572},{"textAlign":60},[2573],{"text":2574,"type":57},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":53,"attrs":2576,"content":2577},{"textAlign":60},[2578,2580,2584],{"text":2579,"type":57},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":2581,"type":57,"marks":2582},"10 ans à compter de la clôture de l’exercice",[2583],{"type":169},{"text":2399,"type":57},{"_uid":2586,"hide":30,"title":2587,"component":519,"description":2588},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":50,"attrs":2589,"content":2590},{"backgroundColor":60},[2591,2596],{"type":53,"attrs":2592,"content":2593},{"textAlign":60},[2594],{"text":2595,"type":57},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":53,"attrs":2597,"content":2598},{"textAlign":60},[2599,2601,2605],{"text":2600,"type":57},"Cette organisation permet à chaque équipe de conserver ",{"text":2602,"type":57,"marks":2603},"un cadre adapté à son activité",[2604],{"type":169},{"text":2606,"type":57},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[2608],{"cta":2609,"_uid":2610,"title":2611,"eyebrow":2621,"subtitle":2628,"component":236,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":2631,"sectionSettings":2632,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":50,"attrs":2612,"content":2613},{"backgroundColor":60},[2614],{"type":236,"attrs":2615,"content":2616},{"level":238,"textAlign":60},[2617],{"text":2618,"type":57,"marks":2619},"Questions fréquentes sur les dépenses hors politique",[2620],{"type":169},{"type":50,"attrs":2622,"content":2623},{"backgroundColor":60},[2624],{"type":53,"attrs":2625,"content":2626},{"textAlign":60},[2627],{"text":892,"type":57},{"type":50,"content":2629},[2630],{"type":53},[],[],[],"depenses-hors-politique","fr/blog/depenses-hors-politique",-3250,[],"7cdf2e57-e009-48ec-9480-b29699632b7e","2026-09-05T07:33:16.361Z",[],"blog/depenses-hors-politique",[2643,2644,2645],{"path":2641,"name":60,"lang":66,"published":60},{"path":2641,"name":60,"lang":72,"published":60},{"path":2641,"name":60,"lang":74,"published":60},1793991601857]