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Un responsable de budget vient de télécharger six mois de reçus froissés, « retrouvés au fond de mon sac ». Un autre ping m'annonce qu'un manager a oublié d'enregistrer l'intégralité des factures d'un fournisseur sur T4. Mon dernier arrêté est soudainement obsolète, et l'entreprise ne peut plus faire confiance aux chiffres de mon équipe.",{"type":77,"attrs":175,"content":177},{"textAlign":25,"key":176},"p-2",[178],{"text":179,"type":83},"À l'approche de la fin d'année, faire le bilan est naturel. Mais j'hésite à passer trop de temps à regarder en arrière parce que c'est le mode dans lequel trop de membres de trop d'équipes financières opèrent pendant la majeure partie de leur vie professionnelle : simplement comptabiliser le passé. En tant que DAF encore relativement nouvelle chez Spendesk, un outil clé pour tous les professionnels de notre métier, je veux nous aider à penser de manière plus stratégique. Mon objectif est que les DAFs et ceux qui rejoindront un jour leurs rangs soient considérés comme des atouts stratégiques pour leur entreprise et pas simplement comme les comptables en arrière-plan.",{"type":77,"attrs":181,"content":183},{"textAlign":25,"key":182},"p-3",[184],{"text":185,"type":83},"Avec cet objectif en tête, tournons-nous plutôt vers l'avenir. Je veux me lancer un défi : actuellement, Spendesk est capable de clôturer ses comptes environ 5 à 6 jours. Je veux ramener ce délai à environ deux jours. En fait, j'aimerais que l'ensemble du processus soit bouclé en deux jours de pré-clôture et 1 à 2 jours post-clôture. Je vous tiendrai au courant de nos progrès dans les mois à venir.",{"type":77,"attrs":187,"content":189},{"textAlign":25,"key":188},"p-4",[190],{"text":191,"type":83},"Comme de nombreux métiers, l'équipe finance a changé de manière presque méconnaissable ce siècle. Il y a vingt ans, chaque équipe finance avait encore un comptable dédié qui se concentrait uniquement sur les comptes fournisseurs (généralement la personne la plus junior de l'équipe). Aujourd'hui, ce poste a pratiquement disparu car la fonction a été automatisée. Bien que cela puisse ressembler à la technologie qui supprime des emplois, c'est en réalité plus excitant : c'est la technologie qui gère le travail le plus fastidieux et qui élargit les limites de la fonction finance.",{"type":77,"attrs":193,"content":195},{"textAlign":25,"key":194},"p-5",[196],{"text":197,"type":83},"Comme nous le savons tous, le processus de clôture des comptes chaque mois, trimestre ou année peut parfois sembler fastidieux. Au début de ma carrière, nous commencions environ une semaine avant la fin de période, à courir après les reçus papier et les factures, à les numériser pour intégrer les données dans les systèmes comptables, à passer des provisions pour tout ce qui manquait, etc. Nous ne pouvions pas clôturer avant peut-être cinq, sept, voire plus de jours après le jour J. C'est seulement à ce moment-là que tous ces états financiers clés (comptes de résultat, analyse des revenus, bilans et tableaux de flux de trésorerie) étaient enfin prêts à être publiés.",{"type":77,"attrs":199,"content":201},{"textAlign":25,"key":200},"p-6",[202],{"text":203,"type":83},"Pendant que l'équipe finance chasse les reçus, l'entreprise n'attend pas. Le produit lance de nouvelles fonctionnalités. Les ventes concluent des deals. Il y a un risque que la finance soit perçue comme déconnectée, en train de déchiffrer le mois dernier pendant que tout le monde avance.",{"type":77,"attrs":205,"content":207},{"textAlign":25,"key":206},"p-7",[208],{"text":209,"type":83},"Il y a cependant de l'espoir. Les outils financiers numériques modernes – oui, y compris la solution Spendesk – ont déjà réduit ces activités fastidieuses, comme la chasse aux reçus papier, passant de peut-être sept jours à environ deux. Ils ont également contribué à réduire le décompte des « jours plus », même pour les plus petites entreprises.",{"type":77,"attrs":211,"content":213},{"textAlign":25,"key":212},"p-8",[214],{"text":215,"type":83},"Ces améliorations aident également les entreprises à clôturer leurs comptes plus régulièrement. Il y a huit ans, lorsque j'ai commencé en tant que DAF, les clôtures mensuelles étaient un luxe réservé aux grandes entreprises. Les PME effectuaient des clôtures trimestrielles, naviguant à l'aveugle pendant 60 à 90 jours d'affilée, car le travail manuel requis était prohibitif. Alors que l'automatisation démocratise la précision financière, une startup de cinq personnes peut avoir la même cadence de clôture qu'une entreprise du Fortune 500. Les clôtures mensuelles ne sont plus aspirationnelles, elles sont accessibles.",{"type":77,"attrs":217,"content":219},{"textAlign":25,"key":218},"p-9",[220],{"text":221,"type":83},"Plus nous, en tant que profession, pouvons maintenir ce processus de fin de période serré, mieux c'est pour tout le monde. Nos employeurs peuvent être confiants en clôturant leurs comptes plus près de la fin de période. Cela signifie que les états financiers reflètent plus fidèlement la réalité de l'entreprise. Pendant ce temps, plus égoïstement, réduire les jours passés chaque période à clôturer les comptes redonne du temps pour la réflexion et l'action stratégique. Cela nous permet, dans l'équipe finance, d'être considérés comme de véritables leaders.",{"type":77,"attrs":223,"content":225},{"textAlign":25,"key":224},"p-10",[226],{"text":227,"type":83},"La prochaine étape pour les équipes finance sera de passer à un monde de « clôture en temps réel », où l'ensemble du processus de clôture des comptes est essentiellement automatisé.",{"type":77,"attrs":229,"content":231},{"textAlign":25,"key":230},"p-11",[232,234,240],{"text":233,"type":83},"Alors que nous entrons en 2026, je suis ravie de voir comment la technologie peut encore valoriser la fonction finance. Les jours où nous sommes simplement perçus comme les comptables ",{"text":235,"type":83,"marks":236},"« ",[237],{"type":86,"attrs":238},{"color":239},"#1F1F1F",{"text":241,"type":83},"en arrière-plan » sont comptés.",{"type":77,"attrs":243,"content":245},{"textAlign":25,"key":244},"p-12",[246],{"text":247,"type":83,"marks":248},"Quel est votre délai de clôture de fin de période ? 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Spendesk centralise cartes physiques et virtuelles, notes de frais automatisées et workflows d'approbation en temps réel, permet la catégorisation automatique, le suivi des justificatifs et l'export comptable pour accélérer la tenue des comptes et réduire les erreurs manuelles.",{"_uid":306,"title":307,"component":298,"description":308},"deec160d-4703-4ec4-90cd-941a0e61b4ae","Comment fonctionne Spendesk ?",{"type":74,"content":309},[310],{"type":77,"content":311},[312],{"text":313,"type":83},"Spendesk fournit une plateforme de gestion des dépenses connectée à des moyens de paiement : cartes physiques et virtuelles, demandes de fonds et notes de frais automatisées. Spendesk applique des limites et des workflows d'approbation, capture les justificatifs via l'application, catégorise automatiquement les dépenses et exporte les écritures vers les outils comptables pour accélérer la réconciliation.",{"_uid":315,"title":316,"component":298,"description":317},"5d403492-0c18-43f9-b151-6d81f416c971","Comment Spendesk permet-il une clôture comptable en temps réel ?",{"type":74,"content":318},[319],{"type":77,"content":320},[321],{"text":322,"type":83},"Spendesk permet une clôture comptable en temps réel en synchronisant automatiquement transactions, justificatifs et codifications comptables. La fonctionnalité de rapprochement automatique et le flux d'export vers les ERP assurent que les écritures, la TVA et les pièces justificatives sont disponibles instantanément, réduisant les opérations manuelles lors de la clôture.",{"_uid":324,"title":325,"component":298,"description":326},"def2a6e5-ebe2-4f34-8292-7478df65381f","Spendesk s'intègre-t-il à mon logiciel comptable ou ERP ?",{"type":74,"content":327},[328],{"type":77,"content":329},[330],{"text":331,"type":83},"Spendesk s'intègre nativement aux logiciels comptables et ERP et propose une API pour les connexions personnalisées. Les intégrations natives incluent l'export des écritures et des pièces justificatives vers les outils comptables, facilitant la synchronisation avec QuickBooks, Xero, Sage ou tout ERP via l'API pour automatiser la réconciliation et la clôture.",{"_uid":333,"title":334,"component":298,"description":335},"2375608f-4377-4739-b816-70ad2b63836d","Combien de temps Spendesk fait-il gagner à l'équipe finance lors de la clôture ?",{"type":74,"content":336},[337],{"type":77,"content":338},[339],{"text":340,"type":83},"Spendesk réduit le temps de clôture en automatisant le rapprochement des transactions, la capture des justificatifs et l'export des écritures comptables. 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Abonnez-vous à notre newsletter pour rester informé.",[1825,1826],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[1828],{"cta":1829,"_uid":1830,"items":1831,"heading":1950,"reverse":28,"component":361,"sectionSettings":1971},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[1832,1892],{"_uid":1833,"title":297,"component":298,"description":1834},"dfc0accd-ab64-464a-8597-b76754748f04",{"type":74,"content":1835},[1836,1840],{"type":77,"content":1837},[1838],{"text":1839,"type":83},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":1841,"attrs":1842,"content":1845},"ordered_list",{"order":1843},{"order":1844},1,[1846,1859,1870],{"type":1847,"content":1848},"list_item",[1849],{"type":77,"content":1850},[1851,1855,1857],{"text":1852,"type":83,"marks":1853},"Les dépenses stratégiques",[1854],{"type":165},{"text":1856,"type":83}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2191],{"cta":2192,"_uid":2193,"items":2194,"heading":2358,"reverse":28,"component":361,"sectionSettings":2382},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2195,2215,2243,2265,2280],{"_uid":2196,"hide":28,"title":2197,"component":298,"description":2198},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":74,"attrs":2199,"content":2200},{"backgroundColor":25},[2201,2210],{"type":77,"attrs":2202,"content":2203},{"textAlign":25},[2204,2208],{"text":2205,"type":83,"marks":2206},"Dans le régime général, non.",[2207],{"type":165},{"text":2209,"type":83}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":77,"attrs":2211,"content":2212},{"textAlign":25},[2213],{"text":2214,"type":83},"Certaines exceptions existent 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Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2216,"hide":28,"title":2217,"component":298,"description":2218},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":74,"attrs":2219,"content":2220},{"backgroundColor":25},[2221,2232],{"type":77,"attrs":2222,"content":2223},{"textAlign":25},[2224,2226,2230],{"text":2225,"type":83},"Une facture périodique doit être réglée au plus tard ",{"text":2227,"type":83,"marks":2228},"45 jours après sa date d’émission",[2229],{"type":165},{"text":2231,"type":83},", sans report en fin de mois.",{"type":77,"attrs":2233,"content":2234},{"textAlign":25},[2235,2237,2241],{"text":2236,"type":83},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2238,"type":83,"marks":2239},"15 décembre 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change-t-elle les délais de paiement ?",{"type":74,"attrs":2269,"content":2270},{"backgroundColor":25},[2271],{"type":77,"attrs":2272,"content":2273},{"textAlign":25},[2274,2278],{"text":2275,"type":83,"marks":2276},"Elle change le circuit de traitement, mais pas les délais légaux.",[2277],{"type":165},{"text":2279,"type":83}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":2281,"hide":28,"title":2282,"component":298,"description":2283},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":74,"attrs":2284,"content":2285},{"backgroundColor":25},[2286,2296,2306,2311,2318,2323,2347],{"type":77,"attrs":2287,"content":2288},{"textAlign":25},[2289,2291,2295],{"text":2290,"type":83},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[2435],{"cta":2436,"_uid":2437,"items":2438,"heading":2527,"reverse":28,"component":361,"sectionSettings":2551},[],"d1adf0be-b475-4141-be84-e6809c10956b",[2439,2454,2468,2483,2498,2512],{"_uid":2440,"hide":28,"title":2441,"component":298,"description":2442},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":74,"attrs":2443,"content":2444},{"backgroundColor":25},[2445],{"type":77,"attrs":2446,"content":2447},{"textAlign":25},[2448,2452],{"text":2449,"type":83,"marks":2450},"Non.",[2451],{"type":165},{"text":2453,"type":83}," Les factures doivent désormais passer par au moins une plateforme agréée choisie par l’entreprise. Le PPF conserve principalement son rôle d’annuaire et de concentrateur des données fiscales.",{"_uid":2455,"hide":28,"title":2456,"component":298,"description":2457},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":74,"attrs":2458,"content":2459},{"backgroundColor":25},[2460],{"type":77,"attrs":2461,"content":2462},{"textAlign":25},[2463,2466],{"text":2449,"type":83,"marks":2464},[2465],{"type":165},{"text":2467,"type":83}," Un simple PDF envoyé par e-mail ne correspond pas au format attendu par la réforme. À partir du 1er septembre 2027, les PME devront émettre leurs factures dans un format électronique conforme, comme UBL, CII ou Factur-X selon leur solution.",{"_uid":2469,"hide":28,"title":2470,"component":298,"description":2471},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":74,"attrs":2472,"content":2473},{"backgroundColor":25},[2474],{"type":77,"attrs":2475,"content":2476},{"textAlign":25},[2477,2481],{"text":2478,"type":83,"marks":2479},"Oui.",[2480],{"type":165},{"text":2482,"type":83}," Les micro-entrepreneurs et les entreprises en franchise en base de TVA sont également concernés lorsqu’ils sont assujettis. Ils doivent recevoir les factures électroniques depuis le 1er septembre 2026 et devront les émettre à partir du 1er septembre 2027.",{"_uid":2484,"hide":28,"title":2485,"component":298,"description":2486},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":74,"attrs":2487,"content":2488},{"backgroundColor":25},[2489],{"type":77,"attrs":2490,"content":2491},{"textAlign":25},[2492,2496],{"text":2493,"type":83,"marks":2494},"Oui, dès lors qu’elle est assujettie à la TVA",[2495],{"type":165},{"text":2497,"type":83},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":2499,"hide":28,"title":2500,"component":298,"description":2501},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":74,"attrs":2502,"content":2503},{"backgroundColor":25},[2504],{"type":77,"attrs":2505,"content":2506},{"textAlign":25},[2507,2510],{"text":2478,"type":83,"marks":2508},[2509],{"type":165},{"text":2511,"type":83}," Une PME peut par exemple utiliser une plateforme pour les factures fournisseurs et une autre pour ses ventes. L’annuaire doit néanmoins identifier clairement la plateforme et l’adresse utilisées pour recevoir les factures.",{"_uid":2513,"hide":28,"title":2514,"component":298,"description":2515},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":74,"attrs":2516,"content":2517},{"backgroundColor":25},[2518],{"type":77,"attrs":2519,"content":2520},{"textAlign":25},[2521,2525],{"text":2522,"type":83,"marks":2523},"Non, sauf s’il est lui-même agréé.",[2524],{"type":165},{"text":2526,"type":83}," Un OD ou une autre solution compatible doit être raccordé à une plateforme agréée pour participer aux échanges prévus par la réforme. Demandez à votre prestataire quelle PA il utilise avant de lui confier vos flux.",[2528],{"cta":2529,"_uid":2530,"title":2531,"layout":53,"eyebrow":2539,"subtitle":2546,"component":348,"textAlign":53,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":2549,"sectionSettings":2550,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":53},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":74,"attrs":2532,"content":2533},{"backgroundColor":25},[2534],{"type":348,"attrs":2535,"content":2536},{"level":350,"textAlign":25},[2537],{"text":2538,"type":83},"Questions fréquentes sur la facturation électronique des 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Pay ou Tap to Pay sur iPhone : quelle solution pour les paiements professionnels 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la différence entre Apple Pay et Tap to Pay sur iPhone, leurs frais, usages, justificatifs, limites et règles pour les paiements professionnels.",[],[2617],{"cta":2618,"_uid":2619,"items":2620,"heading":2696,"reverse":28,"component":361,"sectionSettings":2720},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[2621,2636,2650,2667,2682],{"_uid":2622,"hide":28,"title":2623,"component":298,"description":2624},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":74,"attrs":2625,"content":2626},{"backgroundColor":25},[2627],{"type":77,"attrs":2628,"content":2629},{"textAlign":25},[2630,2634],{"text":2631,"type":83,"marks":2632},"Oui, par l’intermédiaire du prestataire de paiement.",[2633],{"type":165},{"text":2635,"type":83}," Celui-ci prélève généralement une commission sur chaque transaction. Chez Stripe, les tarifs consultés en octobre 2026 indiquent 1,4 % + 0,10 € pour une carte de l’EEE, auxquels s’ajoutent 0,10 € par autorisation Tap to Pay.",{"_uid":2637,"hide":28,"title":2638,"component":298,"description":2639},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":74,"attrs":2640,"content":2641},{"backgroundColor":25},[2642],{"type":77,"attrs":2643,"content":2644},{"textAlign":25},[2645,2648],{"text":2478,"type":83,"marks":2646},[2647],{"type":165},{"text":2649,"type":83}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":2651,"hide":28,"title":2652,"component":298,"description":2653},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":74,"attrs":2654,"content":2655},{"backgroundColor":25},[2656],{"type":77,"attrs":2657,"content":2658},{"textAlign":25},[2659,2661,2665],{"text":2660,"type":83},"Il faut au minimum ",{"text":2662,"type":83,"marks":2663},"un compte marchand auprès d’un prestataire compatible",[2664],{"type":165},{"text":2666,"type":83},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":2668,"hide":28,"title":2669,"component":298,"description":2670},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":74,"attrs":2671,"content":2672},{"backgroundColor":25},[2673],{"type":77,"attrs":2674,"content":2675},{"textAlign":25},[2676,2680],{"text":2677,"type":83,"marks":2678},"Oui, si son émetteur l’autorise.",[2679],{"type":165},{"text":2681,"type":83}," Elle peut alors être ajoutée dans l’app Cartes et utilisée avec Face ID, Touch ID ou le code de l’appareil. Certaines cartes virtuelles à usage unique ne sont toutefois pas compatibles.",{"_uid":2683,"hide":28,"title":2684,"component":298,"description":2685},"5740f50b-3e71-4739-b292-d8deffbaf70c","Apple Pay remplace-t-il le justificatif d’une dépense professionnelle ?",{"type":74,"attrs":2686,"content":2687},{"backgroundColor":25},[2688],{"type":77,"attrs":2689,"content":2690},{"textAlign":25},[2691,2694],{"text":2449,"type":83,"marks":2692},[2693],{"type":165},{"text":2695,"type":83}," Apple Pay confirme le paiement, mais la facture ou le ticket du fournisseur reste nécessaire pour justifier la dépense et, le cas échéant, récupérer la TVA.",[2697],{"cta":2698,"_uid":2699,"title":2700,"layout":53,"eyebrow":2708,"subtitle":2715,"component":348,"textAlign":53,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":2718,"sectionSettings":2719,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":53},[],"0d4bf8af-b587-46cb-8d4e-2a371dde9c46",{"type":74,"attrs":2701,"content":2702},{"backgroundColor":25},[2703],{"type":348,"attrs":2704,"content":2705},{"level":350,"textAlign":25},[2706],{"text":2707,"type":83},"Questions fréquentes sur Apple Pay et Tap to Pay sur iPhone",{"type":74,"attrs":2709,"content":2710},{"backgroundColor":25},[2711],{"type":77,"attrs":2712,"content":2713},{"textAlign":25},[2714],{"text":353,"type":83},{"type":74,"content":2716},[2717],{"type":77},[],[],[],"apple-pay-ou-tap-to-pay-sur-iphone","fr/blog/apple-pay-ou-tap-to-pay-sur-iphone",-3800,[],"903d3080-40db-476a-8d04-ddebbe8147ec",[],"blog/apple-pay-ou-tap-to-pay-sur-iphone",[2729,2730,2731],{"path":2727,"name":25,"lang":32,"published":25},{"path":2727,"name":25,"lang":38,"published":25},{"path":2727,"name":25,"lang":40,"published":25},1793991588947]