[{"data":1,"prerenderedAt":3202},["ShallowReactive",2],{"fr-blog/carte-bancaire-prepayee":3,"fr-global-content":1051,"fr-article-global-content":2390,"fr-blog-article-more-articles-208802937":2644,"MarkdownRenderer_oVQrwlmEyZI7WJuIvXbWqIawXR1Us2BaI0SOvKtg8o":3188,"MarkdownRenderer_Gx8bkdWlovFJBLHwA8EBJUGv4ua5kmDZsvLypevak0":3195},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1038,"full_slug":1039,"sort_by_date":61,"position":1040,"tag_list":1041,"is_startpage":31,"parent_id":1042,"meta_data":61,"group_id":1043,"first_published_at":1044,"release_id":61,"lang":67,"path":61,"alternates":1045,"default_full_slug":1046,"translated_slugs":1047},"Guide complet pour choisir la carte bancaire prépayée idéale pour son entreprise","2022-10-24T16:58:53.944Z","2026-11-03T12:12:26.090Z","2026-11-03T12:12:26.119Z",208802937,"2e85cf26-75ca-44c0-a8a9-936e70480efe",{"_uid":11,"roles":12,"title":13,"author":14,"topics":77,"content":135,"category":932,"language":958,"component":945,"heroMedia":959,"sidebarCta":965,"publishedAt":966,"readingTime":967,"redirectUrl":25,"listingImage":968,"metaDescription":969,"componentsAfterTheArticle":970},"ec986d25-e56f-4e04-a593-3be5b6332c7c",[],"Carte bancaire prépayée : comparatif et guide 2025",{"name":15,"created_at":16,"published_at":17,"updated_at":18,"id":19,"uuid":20,"content":21,"slug":59,"full_slug":60,"sort_by_date":61,"position":62,"tag_list":63,"is_startpage":31,"parent_id":64,"meta_data":61,"group_id":65,"first_published_at":66,"release_id":61,"lang":67,"path":61,"alternates":68,"default_full_slug":69,"translated_slugs":70,"_stopResolving":76},"Juliette Hervé","2022-10-19T17:36:15.928Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:20.108Z",206165077,"75432d6d-a8b9-4b76-b4e3-192482c975a1",{"_uid":22,"name":15,"links":23,"picture":45,"lastName":47,"component":48,"firstName":49,"description":50},"ed375fcf-6d1e-4874-81ae-97a16b9c5b1c",[24,38],{"tag":25,"_uid":26,"icon":27,"link":32,"type":25,"label":25,"style":36,"component":37,"onClickEvent":25,"openInANewTab":31,"horizontalFill":31},"","9b882ffa-35eb-470c-aca9-216ca859e7a8",{"id":28,"alt":25,"name":25,"focus":25,"title":25,"filename":29,"copyright":25,"fieldtype":30,"is_external_url":31},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":25,"url":33,"linktype":34,"fieldtype":35,"cached_url":33},"https://www.linkedin.com/in/juliette-herve-webmarketing/","url","multilink","primary","cta",{"tag":25,"_uid":39,"icon":40,"link":43,"type":25,"label":25,"style":36,"component":37,"onClickEvent":25,"openInANewTab":31,"horizontalFill":31},"d2566de7-0c45-4ec5-85ca-da8db04b35b5",{"id":41,"alt":25,"name":25,"focus":25,"title":25,"filename":42,"copyright":25,"fieldtype":30,"is_external_url":31},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":25,"url":44,"linktype":34,"fieldtype":35,"cached_url":44},"https://twitter.com/juherloc",{"alt":46,"name":25,"focus":25,"title":25,"filename":46,"copyright":25,"fieldtype":30,"is_external_url":31},"https://a.storyblok.com/f/146026/433x433/0a9e200a62/b55347be4f6487255b241265eda18683","Hervé","author","Juliette",{"type":51,"content":52},"doc",[53],{"type":54,"content":55},"paragraph",[56],{"text":57,"type":58},"Juliette is Marketing Manager at Spendesk since Octobre 2018. By joining the tribe, she wants to make the finance world easier to understand for people who, just like her, aren't coming from that sector.","text","juliette-herve","fr/blog/author/juliette-herve",null,-140,[],176408854,"9baa96ac-ad9f-4270-922b-0fdea865e093","2022-11-02T15:26:08.935Z","fr",[],"blog/author/juliette-herve",[71,72,74],{"path":69,"name":61,"lang":67,"published":61},{"path":69,"name":61,"lang":73,"published":61},"de",{"path":69,"name":61,"lang":75,"published":61},"es",true,[78,109],{"name":79,"created_at":80,"published_at":81,"updated_at":82,"id":83,"uuid":84,"content":85,"slug":96,"full_slug":97,"sort_by_date":61,"position":98,"tag_list":99,"is_startpage":31,"parent_id":100,"meta_data":61,"group_id":101,"first_published_at":102,"release_id":61,"lang":67,"path":61,"alternates":103,"default_full_slug":104,"translated_slugs":105,"_stopResolving":76},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-09-29T09:14:42.092Z","2026-09-29T09:14:42.108Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"seo":86,"_uid":94,"name":79,"component":95},[87],{"_uid":88,"noIndex":31,"component":89,"metaFields":90},"2aa0fc88-49a5-41a4-a816-354e28dce638","seo",{"_uid":91,"plugin":92,"description":93},"8bba7b1a-dbab-4ced-b302-6091bbc1233f","meta-fields","Gestion des depenses d'entreprise : visibilite, controle et process pour garder les depenses alignees sur le budget.","5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","tag","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],176456153,"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[106,107,108],{"path":104,"name":61,"lang":67,"published":61},{"path":104,"name":61,"lang":73,"published":61},{"path":104,"name":61,"lang":75,"published":61},{"name":110,"created_at":111,"published_at":112,"updated_at":113,"id":114,"uuid":115,"content":116,"slug":124,"full_slug":125,"sort_by_date":61,"position":62,"tag_list":126,"is_startpage":31,"parent_id":100,"meta_data":61,"group_id":127,"first_published_at":128,"release_id":61,"lang":67,"path":61,"alternates":129,"default_full_slug":130,"translated_slugs":131,"_stopResolving":76},"Carte de paiement","2022-10-19T17:57:52.020Z","2026-09-29T09:14:34.633Z","2026-09-29T09:14:34.653Z",206171410,"38062cad-91f4-4753-8d76-3407e615ca0b",{"seo":117,"_uid":123,"name":110,"component":95},[118],{"_uid":119,"noIndex":31,"component":89,"metaFields":120},"11adb996-d51b-4c65-970d-d95dc07b5257",{"_uid":121,"plugin":92,"description":122},"29b68154-43fa-44d2-b134-4b39fb2ff94e","Cartes de paiement en entreprise : cartes physiques, virtuelles et a usage unique, et comment elles simplifient les depenses des equipes.","a7b37bf3-5914-400c-8298-e6f44912165c","carte-de-paiement","fr/blog/topic/carte-de-paiement",[],"7b9ab684-1d4a-45d8-b449-fb3a9869a53e","2022-11-02T15:24:52.809Z",[],"blog/topic/carte-de-paiement",[132,133,134],{"path":130,"name":61,"lang":67,"published":61},{"path":130,"name":61,"lang":73,"published":61},{"path":130,"name":61,"lang":75,"published":61},{"type":51,"content":136},[137,141,152,156,165,172,186,196,201,215,225,233,251,260,265,269,273,282,304,318,319,329,339,343,348,357,363,367,371,393,403,407,417,421,426,427,435,449,453,458,462,466,508,512,517,527,537,547,552,564,583,607,612,630,634,644,650,655,663,668,676,689,699,704,711,726,751,756,763,780,790,795,802,820,824,829,836,853,863,867,877,893,903,915,919,931],{"type":54,"content":138},[139],{"text":140,"type":58},"Vous n’êtes pas sans le savoir : en tant que responsable administratif et financier, la gestion des dépenses en entreprise peut s’avérer être un véritable casse-tête.",{"type":54,"content":142},[143,145,150],{"text":144,"type":58},"Heureusement, avec l’arrivée des néobanques et banques nouvelle génération, une alternative à la comptabilité laborieuse d’antan et aux cartes bancaires classiques s’est dessinée : ",{"text":146,"type":58,"marks":147},"la carte bancaire prépayée professionnelle",[148],{"type":149},"bold",{"text":151,"type":58},".",{"type":54,"content":153},[154],{"text":155,"type":58},"Seulement, le choix sur le marché ne manque pas aujourd’hui. Comment donc choisir la meilleure carte bancaire prépayée, celle qui conviendra aux besoins de votre entreprise, et vous facilitera vos tâches comptables au quotidien ?",{"type":54,"content":157},[158,160,164],{"text":159,"type":58},"Découvrez dans ce petit guide ",{"text":161,"type":58,"marks":162},"tout ce qu’il faut savoir sur ce moyen de paiement innovant, des astuces pour choisir le vôtre, ainsi qu’un comparatif des meilleures cartes bancaires prépayées du moment",[163],{"type":149},{"text":151,"type":58},{"type":166,"attrs":167,"content":169},"heading",{"level":168},2,[170],{"text":171,"type":58},"Qu’est-ce qu’une carte bancaire prépayée ?",{"type":54,"content":173},[174,176,184],{"text":175,"type":58},"Tout est dans son nom ! ",{"text":177,"type":58,"marks":178},"Une carte bancaire prépayée",[179],{"type":180,"attrs":181},"link",{"href":182,"uuid":61,"anchor":61,"target":183,"linktype":34},"https://www.spendesk.com/fr/blog/carte-bancaire-prepayee-employes/","_blank",{"text":185,"type":58}," est un moyen de paiement qui permet à l’utilisateur d’y verser les sommes qu’il souhaite utiliser, en espèces, en chèque, ou directement par virements bancaires via Internet.",{"type":54,"content":187},[188,190,194],{"text":189,"type":58},"Il s’agit d’",{"text":191,"type":58,"marks":192},"une carte de débit, et non d’une carte de crédit",[193],{"type":149},{"text":195,"type":58}," : ainsi, l’utilisateur ne peut y dépenser que les sommes qui y sont disponibles.",{"type":166,"attrs":197,"content":198},{"level":168},[199],{"text":200,"type":58},"Comment fonctionne ce moyen de paiement ?",{"type":54,"content":202},[203,205,209,211,213],{"text":204,"type":58},"C’est très simple. ",{"text":206,"type":58,"marks":207},"Vous commencez par acheter votre carte bancaire prépayée",[208],{"type":149},{"text":210,"type":58},". Certaines sont disponibles dans votre banque, en bureau de tabac, ou dans des commerces de proximité (supermarchés et hypermarchés, bureaux de presse…) ; d’autres s’achètent directement en ligne. ",{"type":212},"hard_break",{"text":214,"type":58},"Si, à l’origine, les cartes bancaires prépayées sans condition de revenus s’adressent plutôt aux personnes en situation d’interdit bancaire, elles ont maintenant trouvé leur place dans l’arsenal des équipes financières.",{"type":54,"content":216},[217,219,223],{"text":218,"type":58},"Qu’il s’agisse d’une carte obtenue chez un buraliste ou dans un point de vente d’une enseigne proposant un tel service, ",{"text":220,"type":58,"marks":221},"chaque carte de paiement prépayée affiche toutefois des usages et des plafonds spécifiques",[222],{"type":149},{"text":224,"type":58},". Certaines proposent même des fonctionnalités de cashback.",{"type":54,"content":226},[227,231],{"text":228,"type":58,"marks":229},"Vous chargez la carte avec la somme désirée",[230],{"type":149},{"text":232,"type":58},". Votre carte bancaire prépayée est ensuite utilisable directement pour vos achats physiques, sur Internet, mais aussi pour retirer de l’argent via des distributeurs automatiques de billets. Il convient néanmoins de fournir les justificatifs courants (justificatif de domicile et justificatif d’identité).",{"type":54,"content":234},[235,237,241,243,249],{"text":236,"type":58},"Une fois tous les fonds utilisés sur votre carte, il vous est possible de ",{"text":238,"type":58,"marks":239},"la recharger à l’envi",[240],{"type":149},{"text":242,"type":58},". Elle demeure utilisable pendant 4 ans, soit la même durée de validité qu’",{"text":244,"type":58,"marks":245},"une CB professionnelle",[246],{"type":180,"attrs":247},{"href":248,"uuid":61,"anchor":61,"target":183,"linktype":34},"https://www.spendesk.com/fr/blog/cartes-bancaires-entreprise/",{"text":250,"type":58}," traditionnelle. Certaines offres de cartes bancaires se positionnent même sans frais de gestion ou des retraits gratuits.",{"type":252,"attrs":253},"blok",{"id":254,"body":255},"7a86d64e-e825-4a23-bd83-20e028b0c5d3",[256],{"_uid":257,"html":258,"component":259},"i-a0b64cfc-5ff3-4c5d-8f1d-ac27cd8c6dc7","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\u003Cspan class=\"hs-cta-node hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\" id=\"hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\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/bf25993d-2e40-4bd4-91c6-dce0d789585f\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bf25993d-2e40-4bd4-91c6-dce0d789585f\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bf25993d-2e40-4bd4-91c6-dce0d789585f.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, 'bf25993d-2e40-4bd4-91c6-dce0d789585f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":166,"attrs":261,"content":262},{"level":168},[263],{"text":264,"type":58},"Quels sont les avantages d’une carte bancaire prépayée dans une entreprise ?",{"type":54,"content":266},[267],{"text":268,"type":58},"Dans le cadre d’une utilisation personnelle, on a entendu vanter les mérites de la carte rechargeable prépayée. Elle est très pratique pour donner de l’autonomie à un mineur, pour gérer des dépenses de manière stricte, pour les personnes interdites bancaires, ou encore pour faciliter les transferts d’argent (notamment à l’international).",{"type":54,"content":270},[271],{"text":272,"type":58},"Mais quels sont les avantages de ce moyen de paiement pour une entreprise ?",{"type":54,"content":274},[275,277,281],{"text":276,"type":58},"Dans un premier temps, pas de doute : ",{"text":278,"type":58,"marks":279},"la carte bancaire prépayée rechargeable facilite grandement la vie de vos employés",[280],{"type":149},{"text":151,"type":58},{"type":283,"content":284},"bullet_list",[285,292,298],{"type":286,"content":287},"list_item",[288],{"type":54,"content":289},[290],{"text":291,"type":58},"Finie la carte d’affaires (ou carte bancaire d’entreprise) unique, qui doit passer de main en main dès qu’un employé a besoin d’effectuer une dépense professionnelle !",{"type":286,"content":293},[294],{"type":54,"content":295},[296],{"text":297,"type":58},"Vos collaborateurs n’ont pour autant pas besoin d’avancer les coûts de ces dépenses, et donc de créer des notes de frais.",{"type":286,"content":299},[300],{"type":54,"content":301},[302],{"text":303,"type":58},"La CB prépayée s’adapte aux besoins de vos salariés : certaines fonctionnent également à l’étranger, mais aussi pour les achats en ligne.",{"type":54,"content":305},[306,310,312,316],{"text":307,"type":58,"marks":308},"Du côté des managers",[309],{"type":149},{"text":311,"type":58},", ce moyen de paiement est également très intéressant. Il leur permet de ",{"text":313,"type":58,"marks":314},"gérer finement les budgets prévus",[315],{"type":149},{"text":317,"type":58},", puisque les employés ne peuvent dépenser que les sommes qui y sont disponibles. Ainsi, le manager garde la main sur son budget, en rechargeant la carte selon les besoins réels de ses collaborateurs.",{"type":54},{"type":252,"attrs":320},{"id":321,"body":322},"78f9449f-df92-4a8c-97c1-87efc029968f",[323],{"_uid":324,"text":325,"color":326,"title":327,"component":328},"i-6f52a2ae-3547-4b86-9f23-39dfce43a4b1","**Pour les équipes Finance, les cartes prépayées sont un véritable atout**. Elles leur permettent de gagner un temps significatif : plus besoin de traiter des notes de frais, ou encore de délivrer des avances de frais ! Leur gestion est rigoureuse puisque chaque transaction est sujette à autorisation systématique afin de vérifier que les fonds sont bel et bien disponibles sur le compte de paiements.","purple","Quid de l'équipe comptable ?","callout",{"type":54,"content":330},[331,333,337],{"text":332,"type":58},"Nous ajouterons que ",{"text":334,"type":58,"marks":335},"lorsque la carte est intégrée à une solution de gestion des dépenses, toutes les tâches comptables liées aux dépenses d’entreprise sont automatisées",[336],{"type":149},{"text":338,"type":58}," (notamment la centralisation des justificatifs).",{"type":54,"content":340},[341],{"text":342,"type":58},"Que du bon, ces cartes bancaires prépayées, pour votre entreprise !",{"type":166,"attrs":344,"content":345},{"level":168},[346],{"text":347,"type":58},"6 astuces pour choisir sa carte bancaire prépayée",{"type":54,"content":349},[350,352,356],{"text":351,"type":58},"Vous recherchez la carte bancaire prépayée adaptée aux besoins de votre entreprise ? Avant de vous présenter un comparatif des solutions à votre disposition, voici ",{"text":353,"type":58,"marks":354},"6 conseils clés pour faire le bon choix",[355],{"type":149},{"text":151,"type":58},{"type":166,"attrs":358,"content":360},{"level":359},3,[361],{"text":362,"type":58},"Cette carte correspond-elle précisément aux besoins de votre entreprise ?",{"type":54,"content":364},[365],{"text":366,"type":58},"Bien entendu, tous les moyens de paiement que vous choisissez pour votre entreprise doivent être absolument adaptés à vos besoins réels. Votre carte bancaire prépayée n’échappe pas à la règle.",{"type":54,"content":368},[369],{"text":370,"type":58},"Vérifiez donc tout d’abord si cette carte vous permet de procéder à : ",{"type":283,"content":372},[373,383],{"type":286,"content":374},[375],{"type":54,"content":376},[377,381],{"text":378,"type":58,"marks":379},"Des achats en ligne",[380],{"type":149},{"text":382,"type":58},": prenez notamment le temps de voir si elle est dotée d’un système de sécurité 3D Secure, qui assure la sécurité des paiements sur Internet.",{"type":286,"content":384},[385],{"type":54,"content":386},[387,391],{"text":388,"type":58,"marks":389},"Des achats récurrents",[390],{"type":149},{"text":392,"type":58}," : vos employés auront peut-être besoin de payer des abonnements avec.",{"type":54,"content":394},[395,397,401],{"text":396,"type":58},"Prenez également soin de vérifier les conditions dans lesquelles vous pouvez effectuer ",{"text":398,"type":58,"marks":399},"des achats à l’étranger",[400],{"type":149},{"text":402,"type":58}," avec. Dans le cadre de déplacements professionnels à l’international, vos collaborateurs doivent avoir aisément accès à un moyen de paiement efficace.",{"type":54,"content":404},[405],{"text":406,"type":58},"Vérifiez donc quelles devises sont prises en compte par la solution, quels frais sont appliqués à vos paiements ou retraits, mais aussi si la carte présente bien une piste magnétique. En effet, certains pays s’en servent pour les paiements physiques (et non via la puce de la carte, comme en France).",{"type":54,"content":408},[409,411,415],{"text":410,"type":58},"Pensez également à vérifier s’il vous est ",{"text":412,"type":58,"marks":413},"possible d’obtenir plusieurs cartes",[414],{"type":149},{"text":416,"type":58},", pour les différents pôles de votre entreprise, et si oui, à quel prix. Après tout, une carte bancaire prépayée est là pour vous éviter l’effet “carte affaires unique” !",{"type":54,"content":418},[419],{"text":420,"type":58},"D’ailleurs, en vous questionnant sur ces différents éléments, n’hésitez pas à anticiper vos besoins futurs. Par exemple, si vos collaborateurs ne voyagent pas pour l’heure à l’étranger, mais peut-être un projet d’internationalisation est-il en cours ? Même si vous ne souscrivez pas à ces options dès le départ, assurez-vous de choisir la solution qui vous suivra tout au long de la vie de votre entreprise.",{"type":166,"attrs":422,"content":423},{"level":359},[424],{"text":425,"type":58},"Avez-vous besoin d’un compte bancaire associé à la carte ?",{"type":54},{"type":252,"attrs":428},{"id":429,"body":430},"cdc60001-e7cd-4cd2-a8b3-d752cc3f275c",[431],{"_uid":432,"text":433,"color":326,"title":434,"component":328},"i-53e6cc96-de48-4761-9906-fdbf60d4b018","**Il existe des cartes bancaires prépayées qui ne nécessitent pas de créer de compte bancaire qui y soit associé**. Ces types de cartes seront intéressantes si vous ne souhaitez / ne pouvez pas passer par la banque qui gère habituellement vos comptes d’entreprise… mais il vous faut également veiller à un autre élément clé.","Bon à savoir",{"type":283,"content":436},[437,443],{"type":286,"content":438},[439],{"type":54,"content":440},[441],{"text":442,"type":58},"Si votre carte n’est pas associée à un compte bancaire, vous aurez accès à un RIB, qui ne pourra que vous servir pour déposer des coupons de recharge, achetés en liquide auprès d’un commerce.",{"type":286,"content":444},[445],{"type":54,"content":446},[447],{"text":448,"type":58},"Si votre carte est associée à un compte bancaire, vous pourrez obtenir un RIB traditionnel (comportant IBAN et BIC), qui vous permettra notamment de mettre en place des prélèvements (comme pour vos abonnements).",{"type":54,"content":450},[451],{"text":452,"type":58},"À vous de cibler vos besoins !",{"type":166,"attrs":454,"content":455},{"level":359},[456],{"text":457,"type":58},"Avez-vous vérifié les frais liés à votre carte bancaire prépayée ?",{"type":54,"content":459},[460],{"text":461,"type":58},"Tout comme à l’ouverture d’un compte bancaire traditionnel, votre CB prépayée vient avec des conditions et des frais bien spécifiques.",{"type":54,"content":463},[464],{"text":465,"type":58},"Généralement, vous trouverez 3 types de frais associés à une carte bancaire prépayée :",{"type":283,"content":467},[468,478,488,498],{"type":286,"content":469},[470],{"type":54,"content":471},[472,476],{"text":473,"type":58,"marks":474},"Les coûts liés à la carte elle-même",[475],{"type":149},{"text":477,"type":58},", prélevés sous forme d’une cotisation annuelle",{"type":286,"content":479},[480],{"type":54,"content":481},[482,486],{"text":483,"type":58,"marks":484},"Les coûts liés à l’utilisation de la carte",[485],{"type":149},{"text":487,"type":58}," : vous pouvez notamment plonger dans le détail des frais liés aux retraits, aux transactions, aux transferts d’argent, à la gestion du compte… mais également aux rechargements de la carte, qui sont parfois facturés eux aussi !",{"type":286,"content":489},[490],{"type":54,"content":491},[492,496],{"text":493,"type":58,"marks":494},"Les coûts optionnels",[495],{"type":149},{"text":497,"type":58}," : du paramétrage de la carte à sa personnalisation, en passant par des services complémentaires éventuels, n’hésitez pas à tout passer en revue",{"type":286,"content":499},[500],{"type":54,"content":501},[502,506],{"text":503,"type":58,"marks":504},"Les frais de change : ",[505],{"type":149},{"text":507,"type":58},"Pour les cartes bancaires prépayées pouvant être utilisées hors de la zone Euro, veillez à ce que les fonds disponibles soient suffisants pour prendre en compte les frais de change et les cours des devises pour la monnaie concernée.",{"type":54,"content":509},[510],{"text":511,"type":58},"En observant ces 3 types de coûts, vous pourrez estimer lesquels conviennent à votre projet, à l’aune de vos besoins réels.",{"type":166,"attrs":513,"content":514},{"level":359},[515],{"text":516,"type":58},"Avez-vous vérifié les types de cartes prépayées et leurs conditions ?",{"type":54,"content":518},[519,521,525],{"text":520,"type":58},"Après les frais, à vous de ",{"text":522,"type":58,"marks":523},"passer en revue toutes les conditions d’utilisation",[524],{"type":149},{"text":526,"type":58}," de votre future carte prépayée.",{"type":54,"content":528},[529,531,535],{"text":530,"type":58},"Focalisez-vous notamment sur ",{"text":532,"type":58,"marks":533},"les plafonds",[534],{"type":149},{"text":536,"type":58}," qui existent à votre carte, pour vous assurer qu’ils correspondent à ce que vous en attendez. À ce sujet, il est préférable de choisir une carte prépayée nominative, et non anonyme. En effet, la loi française prévoit, depuis le 1er janvier 2017, que ces CB prépayées anonymes soient limitées à 250€ de recharges par mois.",{"type":54,"content":538},[539,541,545],{"text":540,"type":58},"Veillez également à bien vérifier ",{"text":542,"type":58,"marks":543},"par quels moyens vous pouvez recharger votre carte",[544],{"type":149},{"text":546,"type":58},". Si le virement bancaire, par le web, est important, peut-être souhaiterez-vous aussi pouvoir la recharger en liquide (via des coupons) ou en chèque ?",{"type":166,"attrs":548,"content":549},{"level":359},[550],{"text":551,"type":58},"Quel est le niveau de sécurité proposé par la solution ?",{"type":54,"content":553},[554,556,562],{"text":555,"type":58},"Les risques de fraude liés à une carte bancaire prépayée sont les mêmes que pour une carte bleue traditionnelle et les ",{"text":557,"type":58,"marks":558},"e-cartes bleues",[559],{"type":180,"attrs":560},{"href":561,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.spendesk.com/fr/blog/e-carte-bleue-fonctionnement-avantages/",{"text":563,"type":58},"… et ne sont donc pas anodins, notamment lors d’achats en ligne.",{"type":54,"content":565},[566,568,572,574,581],{"text":567,"type":58},"C’est pourquoi il est crucial que vous preniez le temps de ",{"text":569,"type":58,"marks":570},"vous renseigner sur",[571],{"type":149},{"text":573,"type":58}," ",{"text":575,"type":58,"marks":576},"le niveau de sécurité de votre moyen de paiement",[577,580],{"type":180,"attrs":578},{"href":579,"uuid":61,"anchor":61,"target":183,"linktype":34},"https://www.spendesk.com/fr/blog/paiement-securise/",{"type":149},{"text":582,"type":58}," potentiel :",{"type":283,"content":584},[585,595],{"type":286,"content":586},[587],{"type":54,"content":588},[589,593],{"text":590,"type":58,"marks":591},"La sécurisation par 3D Secure",[592],{"type":149},{"text":594,"type":58}," (qui demande une authentification renforcée lors des achats sur Internet) est bien souvent proposée dans ces solutions, notamment lorsqu’il s’agit d’une carte Mastercard ou d’une carte Visa.",{"type":286,"content":596},[597],{"type":54,"content":598},[599,601,605],{"text":600,"type":58},"D’autres solutions proposent également ",{"text":602,"type":58,"marks":603},"la mise en place de codes PIN uniques",[604],{"type":149},{"text":606,"type":58},", qui se renouvellent à chaque nouvelle transaction, évitant ainsi la fraude de manière encore plus efficace.",{"type":166,"attrs":608,"content":609},{"level":359},[610],{"text":611,"type":58},"La carte bancaire rechargeable peut-elle être liée à vos logiciels comptables ?",{"type":54,"content":613},[614,616,622,624,628],{"text":615,"type":58},"Dernière clé pour bien choisir votre carte bancaire prépayée professionnelle, et pas des moindres : la facilité à laquelle cette carte peut être reliée à vos logiciels de comptabilité. Si certaines solutions (surtout destinées aux particuliers) délivrent une carte “seule”, d’autres (comme ",{"text":617,"type":58,"marks":618},"Spendesk",[619],{"type":180,"attrs":620},{"href":621,"uuid":61,"anchor":61,"target":183,"linktype":34},"https://www.spendesk.com/fr/",{"text":623,"type":58},") proposent avec la carte ",{"text":625,"type":58,"marks":626},"un logiciel de gestion des dépenses en entreprise",[627],{"type":149},{"text":629,"type":58}," très malin.",{"type":54,"content":631},[632],{"text":633,"type":58},"L’avantage ? Vous regroupez à un même endroit les justificatifs liés aux transactions effectuées par vos collaborateurs, suivez vos dépenses en temps réel, et facilitez grandement la tâche de votre service Finance !",{"type":54,"content":635},[636,638,642],{"text":637,"type":58},"N’hésitez pas non plus à regarder ",{"text":639,"type":58,"marks":640},"si la solution que vous avez en tête propose une intégration à votre logiciel comptable",[641],{"type":149},{"text":643,"type":58},". Vous assurerez ainsi un véritable grain de temps à votre responsable administratif et financier !",{"type":252,"attrs":645},{"id":254,"body":646},[647],{"_uid":648,"html":649,"component":259},"i-68c944e1-6540-4230-92db-0b6777dbd726","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-11d9dafb-a26d-417b-ab2e-4828eefbcecc\">\u003Cspan class=\"hs-cta-node hs-cta-11d9dafb-a26d-417b-ab2e-4828eefbcecc\" id=\"hs-cta-11d9dafb-a26d-417b-ab2e-4828eefbcecc\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/11d9dafb-a26d-417b-ab2e-4828eefbcecc\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-11d9dafb-a26d-417b-ab2e-4828eefbcecc\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/11d9dafb-a26d-417b-ab2e-4828eefbcecc.png\"  alt=\"gestion-factures-fournisseurs-facile-spendesk\"/>\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, '11d9dafb-a26d-417b-ab2e-4828eefbcecc', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":166,"attrs":651,"content":652},{"level":168},[653],{"text":654,"type":58},"Comparatif des cartes prépayées professionnelles",{"type":54,"content":656},[657,659],{"text":658,"type":58},"Si vous avez suivi ce guide jusqu’alors, vous avez désormais en tête les critères sur lesquels choisir votre CB prépayée et les différents types d’offres de cartes bancaires. Pour vous aider un peu plus dans vos recherches, nous avons sélectionné pour vous ",{"text":660,"type":58,"marks":661},"les 6 meilleures cartes bancaires prépayées.",[662],{"type":149},{"type":166,"attrs":664,"content":665},{"level":359},[666],{"text":667,"type":58},"N26",{"type":54,"content":669},[670],{"type":671,"attrs":672},"image",{"id":61,"alt":673,"src":674,"title":61,"source":61,"copyright":61,"meta_data":675},"n26-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/n26-carte-bancaire-prepayee-article-spendesk.png",{},{"type":54,"content":677},[678,680,687],{"text":679,"type":58},"Vous avez sans doute entendu parler de la néobanque N26 : celle-ci a promis de révolutionner le rapport à la banque des individus… mais aussi des entreprises. Elle peut vous délivrer ",{"text":681,"type":58,"marks":682},"une carte bancaire prépayée Mastercard",[683,686],{"type":180,"attrs":684},{"href":685,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://n26.com/fr-fr/mastercard",{"type":149},{"text":688,"type":58},", assortie d’un compte courant N26 Business.",{"type":54,"content":690},[691,693,697],{"text":692,"type":58},"Disponibles à partir de 16,90€ par mois, ces cartes sans contact, viennent également avec ",{"text":694,"type":58,"marks":695},"une application qui vous permet de gérer en temps réel vos dépenses",[696],{"type":149},{"text":698,"type":58},". Vous en modifiez les plafonds et le code PIN aisément. Une solution pratique pour les micro-entrepreneurs qui recherchent la simplicité.",{"type":166,"attrs":700,"content":701},{"level":359},[702],{"text":703,"type":58},"Revolut",{"type":54,"content":705},[706],{"type":671,"attrs":707},{"id":61,"alt":708,"src":709,"title":61,"source":61,"copyright":61,"meta_data":710},"revolut-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/revolut-carte-bancaire-prepayee-article-spendesk.png",{},{"type":54,"content":712},[713,718,720,724],{"text":703,"type":58,"marks":714},[715],{"type":180,"attrs":716},{"href":717,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.spendesk.com/alternative/revolut/",{"text":719,"type":58}," est également une entreprise venue “disrupter” le monde bancaire, en se positionnant comme ",{"text":721,"type":58,"marks":722},"une solution idéale pour les individus qui se déplacent régulièrement à l’étranger",[723],{"type":149},{"text":725,"type":58},". Plus de 150 devises prises en compte, et un taux de change en temps réel : voilà les atouts mis en avant par cette solution innovante.",{"type":54,"content":727},[728,730,735,737,741,742,749],{"text":729,"type":58},"Bonne nouvelle : ",{"text":703,"type":58,"marks":731},[732],{"type":180,"attrs":733},{"href":734,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.spendesk.com/revolut-virtual-card/",{"text":736,"type":58}," propose également la mise à disposition de ",{"text":738,"type":58,"marks":739},"cartes Visa prépayées d’entreprise, associées à",[740],{"type":149},{"text":573,"type":58},{"text":743,"type":58,"marks":744},"des comptes professionnels",[745,748],{"type":180,"attrs":746},{"href":747,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.revolut.com/fr-FR/revolut-pro/",{"type":149},{"text":750,"type":58},". Avec l’abonnement Enterprise, vous bénéficiez de 5 cartes gratuites pour vos collaborateurs. On notera également l’intégration avec des outils de comptabilité, tels que Xero ou QuickBooks, ainsi que l’API Revolut, paramétrable pour lier votre compte à vos outils de travail habituels.",{"type":166,"attrs":752,"content":753},{"level":359},[754],{"text":755,"type":58},"Sogexia",{"type":54,"content":757},[758],{"type":671,"attrs":759},{"id":61,"alt":760,"src":761,"title":61,"source":61,"copyright":61,"meta_data":762},"sogexia-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/sogexia-carte-bancaire-prepayee-article-spendesk.png",{},{"type":54,"content":764},[765,767,774,778],{"text":766,"type":58},"Avec Sogexia, vous obtenez ",{"text":768,"type":58,"marks":769},"une carte Mastercard prépayée gratuite",[770,773],{"type":180,"attrs":771},{"href":772,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.sogexia.com/fonctionnalites/moyens-de-paiement/",{"type":149},{"text":775,"type":58,"marks":776},", ainsi qu’un compte professionnel associé",[777],{"type":149},{"text":779,"type":58},", hébergé au Luxembourg. Très bientôt, cette banque proposera d’obtenir également des RIB français si nécessaire. Les CB, dotées de la technologie sans contact, sont illimitées à partir d’un même compte.",{"type":54,"content":781},[782,784,788],{"text":783,"type":58},"Les recharges peuvent se faire par carte bancaire, et très bientôt par chèques également. Grâce à la ",{"text":785,"type":58,"marks":786},"plateforme en ligne dédiée de Sogexia",[787],{"type":149},{"text":789,"type":58},", vous verrouillez ou déverrouillez en quelques clics les cartes, et gérez leurs recharges et leurs plafonds.",{"type":166,"attrs":791,"content":792},{"level":359},[793],{"text":794,"type":58},"Anyti.me",{"type":54,"content":796},[797],{"type":671,"attrs":798},{"id":61,"alt":799,"src":800,"title":61,"source":61,"copyright":61,"meta_data":801},"anytime-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/anytime-carte-bancaire-prepayee-article-spendesk.png",{},{"type":54,"content":803},[804,806,813,814,818],{"text":805,"type":58},"En voilà une banque pensée pour les entreprises, des auto-entrepreneurs aux PME, en passant par les associations et les professions libérales ! ",{"text":807,"type":58,"marks":808},"La Mastercard prépayée d’Any.time",[809,812],{"type":180,"attrs":810},{"href":811,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.anyti.me/fr/",{"type":149},{"text":573,"type":58},{"text":815,"type":58,"marks":816},"est associée à un compte courant",[817],{"type":149},{"text":819,"type":58}," (à partir de 99€ / mois pour un compte Professionnel), et ne demande aucun frais à l’international : pratique si vos collaborateurs se rendent souvent à l’étranger.",{"type":54,"content":821},[822],{"text":823,"type":58},"On notera également le logiciel comptable intégré à la solution, qui permet de digitaliser les notes de frais (grâce à des justificatifs dématérialisés), qui calcule automatiquement la TVA liée à vos dépenses, ou qui vous aide à payer vos salaires. Vous y activez et désactivez en temps réel les fonctionnalités des cartes comme le sans contact, les retraits au DAB ou les paiements par le web.",{"type":166,"attrs":825,"content":826},{"level":359},[827],{"text":828,"type":58},"PCS Pro",{"type":54,"content":830},[831],{"type":671,"attrs":832},{"id":61,"alt":833,"src":834,"title":61,"source":61,"copyright":61,"meta_data":835},"pcspro-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/pcspro-carte-bancaire-prepayee-article-spendesk.png",{},{"type":54,"content":837},[838,840,845,847,851],{"text":839,"type":58},"La promesse de ",{"text":828,"type":58,"marks":841},[842],{"type":180,"attrs":843},{"href":844,"uuid":61,"anchor":61,"target":61,"linktype":34},"https://www.pcs-pro.com/",{"text":846,"type":58}," : vous délivrer ",{"text":848,"type":58,"marks":849},"une carte prépayée Mastercard sans compte associé",[850],{"type":149},{"text":852,"type":58},", pour limiter les risques en cas de vol ou de fraude. Ces cartes peuvent être personnalisées au logo de votre entreprise, au nom de votre employé et de votre société.",{"type":54,"content":854},[855,857,861],{"text":856,"type":58},"La carte est reliée à une application proposant ",{"text":858,"type":58,"marks":859},"un système de gestion des dépenses en entreprise",[860],{"type":149},{"text":862,"type":58},". Les reçus sont saisis et approuvés par vos gestionnaires de manière simple, et vous récupérez automatiquement la TVA de vos dépenses.",{"type":166,"attrs":864,"content":865},{"level":359},[866],{"text":617,"type":58},{"type":54,"content":868},[869],{"type":671,"attrs":870,"marks":874},{"id":61,"alt":871,"src":872,"title":61,"source":61,"copyright":61,"meta_data":873},"carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/carte-bancaire-prepayee-article-spendesk.png",{},[875],{"type":180,"attrs":876},{"href":621,"uuid":61,"anchor":61,"target":61,"linktype":34},{"type":54,"content":878},[879,881,885,887,891],{"text":880,"type":58},"Chez Spendesk, nous vous proposons ",{"text":882,"type":58,"marks":883},"des cartes de débit Visa",[884],{"type":149},{"text":886,"type":58},", sans compte associé, et nominatif. ",{"text":888,"type":58,"marks":889},"Plus flexibles que des cartes bancaires prépayées classiques",[890],{"type":149},{"text":892,"type":58},", vous les paramétrez de manière simple, et sur mesure. Vous pouvez notamment déterminer les jours et horaires où la carte peut être utilisée, ou encore les catégories de dépenses autorisées.",{"type":54,"content":894},[895,897,901],{"text":896,"type":58},"Avec ",{"text":898,"type":58,"marks":899},"l’application mobile Spendesk",[900],{"type":149},{"text":902,"type":58},", vos employés accèdent aisément au solde de leur compte, suivent leurs achats en temps réel, et peuvent demander un rechargement en cas de besoin. Alors que les banques traditionnelles vous proposeront une carte qui devra être utilisée par plusieurs membres de l’organisation par compte en banque, Spendesk personnalise tous les moyens de paiement disponibles et vous permet de fixer les montants précis disponibles sur votre carte bancaire prépayée.",{"type":54,"content":904},[905,907,913],{"text":906,"type":58},"Besoin d’effectuer des achats sur Internet ? Nous vous mettons également à disposition ",{"text":908,"type":58,"marks":909},"des cartes de paiement virtuelles",[910],{"type":180,"attrs":911},{"href":912,"uuid":61,"anchor":61,"target":183,"linktype":34},"/fr/product/cards/virtual-cards/",{"text":914,"type":58}," (à usage unique ou récurrent).",{"type":54,"content":916},[917],{"text":918,"type":58},"Le petit plus ? 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Découvrez les fraudes les plus courantes et les dispositifs pour les prévenir.",[2771],{"_uid":2772,"items":2773,"heading":2810,"reverse":31,"component":1029,"sectionSettings":2828},"fced2b3a-debe-4601-8e6a-44ffaef2635d",[2774,2783,2792,2801],{"_uid":2775,"title":2776,"component":977,"description":2777},"52fe0e15-e79a-4139-9d81-abe6e816e156","Comment détecter les fausses notes de frais dans mon entreprise ?",{"type":51,"content":2778},[2779],{"type":54,"content":2780},[2781],{"text":2782,"type":58},"Spendesk détecte les fausses notes de frais en centralisant les reçus, en comparant automatiquement les transactions par carte et en appliquant des règles de conformité configurables. Les workflows d'approbation et la validation de justificatifs obligatoires permettent d'alerter les responsables, tandis que les rapports d'audit et l'intégration ERP facilitent la traçabilité et la vérification comptable.",{"_uid":2784,"title":2785,"component":977,"description":2786},"1e4d8599-b567-45bd-b000-c660feba1029","Quelles mesures permettent de prévenir efficacement les fraudes de notes de frais ?",{"type":51,"content":2787},[2788],{"type":54,"content":2789},[2790],{"text":2791,"type":58},"Spendesk prévient les fraudes de notes de frais en imposant des politiques de dépenses pilotées par règles et en fournissant des cartes virtuelles à usage unique. Les limites de dépenses, les validations en temps réel, la capture mobile des reçus et les alertes d'anomalie permettent de bloquer les transactions non conformes avant qu'elles n'affectent la comptabilité.",{"_uid":2793,"title":2794,"component":977,"description":2795},"5b35fa08-d342-4f6f-99c9-623b8b63584e","Comment Spendesk facilite-t-il la vérification et le remboursement des notes de frais ?",{"type":51,"content":2796},[2797],{"type":54,"content":2798},[2799],{"text":2800,"type":58},"Spendesk facilite la vérification et le remboursement des notes de frais en automatisant la création de notes à partir des transactions, en joignant automatiquement les justificatifs et en regroupant les dépenses pour export comptable. 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Dans l’exemple illustratif de cet article, le délai varie de ",{"text":2904,"type":58,"marks":2905},"4,3 à 16,7 mois",[2906],{"type":149},{"text":2908,"type":58}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":2910,"hide":31,"title":2911,"component":977,"description":2912},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":51,"attrs":2913,"content":2914},{"backgroundColor":61},[2915],{"type":54,"attrs":2916,"content":2917},{"textAlign":61},[2918,2922,2924,2928],{"text":2919,"type":58,"marks":2920},"Non.",[2921],{"type":149},{"text":2923,"type":58}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. Sinon, mieux vaut le présenter comme de la ",{"text":2925,"type":58,"marks":2926},"capacité libérée",[2927],{"type":149},{"text":151,"type":58},{"_uid":2930,"hide":31,"title":2931,"component":977,"description":2932},"24bc1289-0edf-4a6b-acc1-6fb450e96e41","Combien de temps faut-il pour déployer une solution de gestion des dépenses ?",{"type":51,"attrs":2933,"content":2934},{"backgroundColor":61},[2935],{"type":54,"attrs":2936,"content":2937},{"textAlign":61},[2938,2940,2944],{"text":2939,"type":58},"La durée dépend notamment de l’intégration comptable, du paramétrage des règles et de la mise à jour de la politique de dépenses. Ce temps doit être intégré au ",{"text":2941,"type":58,"marks":2942},"TCO du projet",[2943],{"type":149},{"text":2945,"type":58},", au même titre que la formation et le double fonctionnement éventuel.",{"_uid":2947,"hide":31,"title":2948,"component":977,"description":2949},"a1bf55a8-49d7-4226-a1ab-aa32e7fd1a36","Quels KPI suivre après le déploiement ?",{"type":51,"attrs":2950,"content":2951},{"backgroundColor":61},[2952],{"type":54,"attrs":2953,"content":2954},{"textAlign":61},[2955,2957,2961],{"text":2956,"type":58},"Suivez quelques indicateurs simples : ",{"text":2958,"type":58,"marks":2959},"durée de la clôture, taux de justificatifs collectés, délai de remboursement et dépenses hors politique",[2960],{"type":149},{"text":2962,"type":58},". 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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.",[],[3061],{"cta":3062,"_uid":3063,"items":3064,"heading":3149,"reverse":31,"component":1029,"sectionSettings":3175},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[3065,3085,3106,3127],{"_uid":3066,"hide":31,"title":3067,"component":977,"description":3068},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":51,"attrs":3069,"content":3070},{"backgroundColor":61},[3071,3076],{"type":54,"attrs":3072,"content":3073},{"textAlign":61},[3074],{"text":3075,"type":58},"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":54,"attrs":3077,"content":3078},{"textAlign":61},[3079,3081],{"text":3080,"type":58},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":3082,"type":58,"marks":3083},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[3084],{"type":149},{"_uid":3086,"hide":31,"title":3087,"component":977,"description":3088},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":51,"attrs":3089,"content":3090},{"backgroundColor":61},[3091,3096],{"type":54,"attrs":3092,"content":3093},{"textAlign":61},[3094],{"text":3095,"type":58},"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":54,"attrs":3097,"content":3098},{"textAlign":61},[3099,3101,3105],{"text":3100,"type":58},"La décision doit être conservée avec ",{"text":3102,"type":58,"marks":3103},"le motif et l’identité de l’approbateur",[3104],{"type":149},{"text":151,"type":58},{"_uid":3107,"hide":31,"title":3108,"component":977,"description":3109},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":51,"attrs":3110,"content":3111},{"backgroundColor":61},[3112,3117],{"type":54,"attrs":3113,"content":3114},{"textAlign":61},[3115],{"text":3116,"type":58},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":54,"attrs":3118,"content":3119},{"textAlign":61},[3120,3122,3126],{"text":3121,"type":58},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":3123,"type":58,"marks":3124},"10 ans à compter de la clôture de l’exercice",[3125],{"type":149},{"text":151,"type":58},{"_uid":3128,"hide":31,"title":3129,"component":977,"description":3130},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":51,"attrs":3131,"content":3132},{"backgroundColor":61},[3133,3138],{"type":54,"attrs":3134,"content":3135},{"textAlign":61},[3136],{"text":3137,"type":58},"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":54,"attrs":3139,"content":3140},{"textAlign":61},[3141,3143,3147],{"text":3142,"type":58},"Cette organisation permet à chaque équipe de conserver ",{"text":3144,"type":58,"marks":3145},"un cadre adapté à son activité",[3146],{"type":149},{"text":3148,"type":58},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[3150],{"cta":3151,"_uid":3152,"title":3153,"eyebrow":3163,"subtitle":3170,"component":166,"textAlign":25,"eyebrowPill":31,"checkmarkList":31,"flexibleSection":3173,"sectionSettings":3174,"displaySeparator":31,"breakLineOnMobile":31,"subtitleLeftBorder":31,"customTitleFontSize":25},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":51,"attrs":3154,"content":3155},{"backgroundColor":61},[3156],{"type":166,"attrs":3157,"content":3158},{"level":168,"textAlign":61},[3159],{"text":3160,"type":58,"marks":3161},"Questions fréquentes sur les dépenses hors politique",[3162],{"type":149},{"type":51,"attrs":3164,"content":3165},{"backgroundColor":61},[3166],{"type":54,"attrs":3167,"content":3168},{"textAlign":61},[3169],{"text":1350,"type":58},{"type":51,"content":3171},[3172],{"type":54},[],[],[],"depenses-hors-politique","fr/blog/depenses-hors-politique",-3250,[],"7cdf2e57-e009-48ec-9480-b29699632b7e","2026-09-05T07:33:16.361Z",[],"blog/depenses-hors-politique",[3185,3186,3187],{"path":3183,"name":61,"lang":67,"published":61},{"path":3183,"name":61,"lang":73,"published":61},{"path":3183,"name":61,"lang":75,"published":61},["Island",3189],{"key":3190,"result":3191},"MarkdownRenderer_oVQrwlmEyZI7WJuIvXbWqIawXR1Us2BaI0SOvKtg8o",{"head":3192},{"link":3193,"style":3194},[],[],["Island",3196],{"key":3197,"result":3198},"MarkdownRenderer_Gx8bkdWlovFJBLHwA8EBJUGv4ua5kmDZsvLypevak0",{"head":3199},{"link":3200,"style":3201},[],[],1793991597253]