[{"data":1,"prerenderedAt":3034},["ShallowReactive",2],{"fr-blog/comptabiliser-factures-acompte-avoirs-paiements-partiels":3,"fr-global-content":693,"fr-article-global-content":2034,"fr-blog-article-more-articles-217490540047696":2289},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":681,"full_slug":682,"sort_by_date":52,"position":683,"tag_list":684,"is_startpage":26,"parent_id":685,"meta_data":52,"group_id":686,"first_published_at":6,"release_id":52,"lang":65,"path":52,"alternates":687,"default_full_slug":688,"translated_slugs":689},"Comment comptabiliser les factures d'acompte, avoirs et paiements partiels fournisseurs ?","2026-09-07T13:31:16.367Z","2026-09-07T13:31:16.439Z","2026-09-07T13:31:16.462Z",217490540047696,"7e5131b8-598f-4778-b984-2fa950f920ce",{"_uid":11,"roles":12,"title":4,"author":13,"topics":74,"content":133,"noIndex":26,"category":543,"language":570,"component":557,"heroMedia":571,"metaTitle":572,"sidebarCta":573,"publishedAt":24,"readingTime":574,"redirectUrl":24,"listingImage":575,"metaDescription":576,"bottomArticleCta":577,"componentsAfterTheArticle":578},"c11f2c7e-18ea-45ca-8fe1-18bffc3ff2b9",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":58,"full_slug":59,"sort_by_date":52,"position":60,"tag_list":61,"is_startpage":26,"parent_id":62,"meta_data":52,"group_id":63,"first_published_at":64,"release_id":52,"lang":65,"path":52,"alternates":66,"default_full_slug":67,"translated_slugs":68,"_stopResolving":38},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-04-28T15:28:02.354Z","2026-10-27T08:00:25.018Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":21,"links":22,"picture":39,"lastName":43,"component":44,"firstName":45,"description":46},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[23],{"tag":24,"_uid":25,"hide":26,"icon":27,"link":32,"type":24,"label":24,"style":36,"component":37,"mobileLabel":24,"onClickEvent":24,"openInANewTab":38,"horizontalFill":26},"","4ba61fb6-4159-4585-93bd-76c8eacb7945",false,{"id":28,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":29,"copyright":24,"fieldtype":30,"meta_data":31,"is_external_url":26},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":24,"url":33,"linktype":34,"fieldtype":35,"cached_url":33},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",true,{"id":40,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":41,"copyright":24,"fieldtype":30,"meta_data":42,"is_external_url":26},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":47,"content":48},"doc",[49],{"type":50,"attrs":51,"content":54},"paragraph",{"textAlign":52,"key":53},null,"p-0",[55],{"text":56,"type":57},"Originaire du Luxembourg et diplômé de la Rotterdam School of Management, il apporte un esprit analytique aigu et une expérience en gestion stratégique à notre équipe financière. Maxime a rejoint Spendesk en 2021 et a progressé régulièrement dans les rangs depuis, devenant notre ingénieur financier résident.","text","maxime-reding","fr/blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z","fr",[],"blog/author/maxime-reding",[69,70,72],{"path":67,"name":52,"lang":65,"published":52},{"path":67,"name":52,"lang":71,"published":52},"de",{"path":67,"name":52,"lang":73,"published":52},"es",[75,106],{"name":76,"created_at":77,"published_at":78,"updated_at":79,"id":80,"uuid":81,"content":82,"slug":93,"full_slug":94,"sort_by_date":52,"position":95,"tag_list":96,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":98,"first_published_at":99,"release_id":52,"lang":65,"path":52,"alternates":100,"default_full_slug":101,"translated_slugs":102,"_stopResolving":38},"Facturas","2023-04-12T07:18:47.128Z","2026-09-29T09:14:29.303Z","2026-09-29T09:14:29.321Z",290528753,"4668b877-0b51-432a-8e0b-149cbe020955",{"seo":83,"_uid":91,"name":76,"component":92},[84],{"_uid":85,"noIndex":26,"component":86,"metaFields":87},"839d8efc-7d4e-49fa-8d71-15dd1a67b56a","seo",{"_uid":88,"plugin":89,"description":90},"edc91a7f-a4bd-46d6-9fdf-b754d326e82b","meta-fields","Todo sobre la gestion de facturas: recepcion, aprobacion y pago de facturas de proveedores con menos trabajo manual.","a2c58a16-f495-475f-951f-05171468aae4","tag","facturas","fr/blog/topic/facturas",-530,[],176456153,"af2726b3-27fb-42ea-8a1d-7ab712b95c87","2022-11-02T15:24:39.815Z",[],"blog/topic/facturas",[103,104,105],{"path":101,"name":52,"lang":65,"published":52},{"path":101,"name":52,"lang":71,"published":52},{"path":101,"name":52,"lang":73,"published":52},{"name":107,"created_at":108,"published_at":109,"updated_at":110,"id":111,"uuid":112,"content":113,"slug":121,"full_slug":122,"sort_by_date":52,"position":123,"tag_list":124,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":125,"first_published_at":126,"release_id":52,"lang":65,"path":52,"alternates":127,"default_full_slug":128,"translated_slugs":129,"_stopResolving":38},"Factures fournisseurs","2022-10-19T17:58:01.385Z","2026-09-29T09:14:39.933Z","2026-09-29T09:14:39.952Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"seo":114,"_uid":120,"name":107,"component":92},[115],{"_uid":116,"noIndex":26,"component":86,"metaFields":117},"db3a239b-3411-46e8-9481-b9e1d033ab1f",{"_uid":118,"plugin":89,"description":119},"614aea8a-8e7f-4010-b498-962aa8aba15e","Factures fournisseurs : reception, validation et paiement, pour un traitement plus rapide et moins de saisie manuelle.","63535519-d3ae-42ed-a496-fd0c222e4057","factures-fournisseurs","fr/blog/topic/factures-fournisseurs",-540,[],"f7010886-52de-401f-8beb-e195074d444f","2022-11-02T15:24:39.398Z",[],"blog/topic/factures-fournisseurs",[130,131,132],{"path":128,"name":52,"lang":65,"published":52},{"path":128,"name":52,"lang":71,"published":52},{"path":128,"name":52,"lang":73,"published":52},{"type":47,"content":134},[135,140,146,153,159,172,183,195,211,216,222,234,254,259,265,293,307,313,318,323,337,356,361,366,379,390,395,400,405,410,415,428,433,446,459,472,477,482,524,529],{"type":50,"attrs":136,"content":137},{"textAlign":52,"key":53},[138],{"text":139,"type":57},"Votre chaîne de traitement fournisseurs tourne sans accroc tant qu'il s'agit d'une facture standard : réception, rapprochement avec le bon de commande, validation, paiement, écriture. Puis trois pièces viennent gripper la mécanique. Une facture d'acompte arrive avant toute livraison. Un avoir corrige une facture déjà enregistrée. Et une facture, vous ne la réglez qu'en partie, le solde suivant plus tard. Chacune sort du flux normal et vous oblige à reprendre la main manuellement, souvent au pire moment, en pleine clôture.",{"type":50,"attrs":141,"content":143},{"textAlign":52,"key":142},"p-1",[144],{"text":145,"type":57},"Ce guide détaille l'écriture exacte pour chacune de ces pièces, son impact sur la TVA déductible, et la façon de les traiter sans qu'elles ne fassent dérailler votre clôture.",{"type":147,"attrs":148,"content":150},"heading",{"level":149,"textAlign":52},2,[151],{"text":152,"type":57},"Trois documents fournisseurs qui sortent du flux standard",{"type":50,"attrs":154,"content":156},{"textAlign":52,"key":155},"p-2",[157],{"text":158,"type":57},"Ces trois pièces ont un point commun : elles ne se comptabilisent pas comme une facture ordinaire, parce qu'elles ne correspondent pas à une charge simple à constater. Comprendre ce que vous enregistrez réellement évite l'erreur de compte la plus fréquente.",{"type":50,"attrs":160,"content":162},{"textAlign":52,"key":161},"p-3",[163,165,170],{"text":164,"type":57},"La ",{"text":166,"type":57,"marks":167},"facture d'acompte",[168],{"type":169},"bold",{"text":171,"type":57}," matérialise un paiement partiel demandé par le fournisseur avant la livraison ou l'exécution de la prestation. Vous versez de l'argent sans avoir encore reçu de charge à comptabiliser : ce n'est donc pas une dépense, mais une avance. À distinguer des arrhes, qui ouvrent une faculté de dédit ; l'acompte, lui, engage fermement les deux parties.",{"type":50,"attrs":173,"content":175},{"textAlign":52,"key":174},"p-4",[176,177,181],{"text":164,"type":57},{"text":178,"type":57,"marks":179},"facture d'avoir",[180],{"type":169},{"text":182,"type":57}," est une note de crédit émise par le fournisseur. Le terme « note de crédit » est simplement l'appellation internationale de l'avoir : les deux désignent la même pièce, qui réduit une somme que vous deviez. Elle corrige une erreur de facturation, acte un retour de marchandise ou accorde une remise après coup.",{"type":50,"attrs":184,"content":186},{"textAlign":52,"key":185},"p-5",[187,189,193],{"text":188,"type":57},"Le ",{"text":190,"type":57,"marks":191},"paiement partiel",[192],{"type":169},{"text":194,"type":57},", enfin, n'est pas un document reçu mais un mode de règlement : vous fractionnez le paiement d'une facture unique en plusieurs versements. La facture reste due dans son intégralité, seul le rythme de décaissement change.",{"type":50,"attrs":196,"content":198},{"textAlign":52,"key":197},"p-6",[199,201,209],{"text":200,"type":57},"Un comptable qui ouvre son courrier du matin et tombe sur une facture d'acompte et un avoir ne rattachant aucune ligne à un bon de commande existant sait déjà que ces deux pièces lui prendront plus de temps que les dix ",{"text":202,"type":57,"marks":203},"factures classiques",[204],{"type":205,"attrs":206},"link",{"href":207,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/factures-fournisseurs/","_blank",{"text":210,"type":57}," posées à côté.",{"type":147,"attrs":212,"content":213},{"level":149,"textAlign":52},[214],{"text":215,"type":57},"Comment comptabiliser une facture d'acompte ?",{"type":147,"attrs":217,"content":219},{"level":218,"textAlign":52},3,[220],{"text":221,"type":57},"L'acompte se comptabilise en avance au compte 4091, jamais en charge",{"type":50,"attrs":223,"content":225},{"textAlign":52,"key":224},"p-7",[226,228,232],{"text":227,"type":57},"Comptabiliser un acompte versé, c'est enregistrer une avance, jamais une charge : la somme transite par le compte ",{"text":229,"type":57,"marks":230},"4091 « Fournisseurs, Avances et acomptes versés sur commandes »",[231],{"type":169},{"text":233,"type":57},", et non par un compte de classe 6. C'est la règle qui structure toute l'opération.",{"type":50,"attrs":235,"content":237},{"textAlign":52,"key":236},"p-8",[238,240,244,246,252],{"text":239,"type":57},"Au moment du règlement de l'acompte, vous débitez le 4091 pour la part hors taxes et le compte ",{"text":241,"type":57,"marks":242},"44566 « TVA déductible sur autres biens et services »",[243],{"type":169},{"text":245,"type":57}," pour la taxe, en contrepartie du compte 512. Depuis le 1er janvier 2023, la TVA sur un acompte versé pour une livraison de biens devient ",{"text":247,"type":57,"marks":248},"exigible dès l'encaissement",[249],{"type":205,"attrs":250},{"href":251,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://entreprendre.service-public.gouv.fr/actualites/A16122",{"text":253,"type":57},", comme c'était déjà le cas pour les prestations de services : vous pouvez donc la déduire immédiatement, à condition de détenir une facture d'acompte qui la mentionne. Sans cette facture, pas de déduction anticipée.",{"type":147,"attrs":255,"content":256},{"level":218,"textAlign":52},[257],{"text":258,"type":57},"Les écritures : du versement de l'acompte au solde sur la facture définitive",{"type":50,"attrs":260,"content":262},{"textAlign":52,"key":261},"p-9",[263],{"text":264,"type":57},"Prenons une commande de fournitures de 1 200 € HT, soit 1 440 € TTC avec une TVA à 20 %. Le fournisseur réclame un acompte de 360 € TTC. À son versement, l'écriture est la suivante :",{"type":266,"content":267},"bullet_list",[268,277,285],{"type":269,"content":270},"list_item",[271],{"type":50,"attrs":272,"content":274},{"textAlign":52,"key":273},"p-10",[275],{"text":276,"type":57},"Débit 4091 : 300 € (part HT de l'acompte)",{"type":269,"content":278},[279],{"type":50,"attrs":280,"content":282},{"textAlign":52,"key":281},"p-11",[283],{"text":284,"type":57},"Débit 44566 : 60 € (TVA déductible sur l'acompte)",{"type":269,"content":286},[287],{"type":50,"attrs":288,"content":290},{"textAlign":52,"key":289},"p-12",[291],{"text":292,"type":57},"Crédit 512 : 360 €",{"type":50,"attrs":294,"content":296},{"textAlign":52,"key":295},"p-13",[297,299,305],{"text":298,"type":57},"À réception de la facture définitive, vous comptabilisez la charge complète et la TVA totale, puis vous ",{"text":300,"type":57,"marks":301},"soldez l'acompte",[302],{"type":205,"attrs":303},{"href":304,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.compta-online.com/essentiel-savoir-sur-la-facture-acompte-ao2824",{"text":306,"type":57},". Vous débitez le compte 607 pour 1 200 €, le 44566 pour 240 €, et vous créditez le 401 pour 1 440 €. Vous débitez ensuite le 401 de 360 €, en créditant le 4091 pour 300 € et le 44566 pour 60 €, afin d'annuler la TVA déjà déduite.",{"type":50,"attrs":308,"content":310},{"textAlign":52,"key":309},"p-14",[311],{"text":312,"type":57},"Il ne reste alors que 1 080 € à régler au fournisseur, et votre TVA déductible totale s'établit bien à 240 €, sans double emploi.",{"type":147,"attrs":314,"content":315},{"level":149,"textAlign":52},[316],{"text":317,"type":57},"L'avoir fournisseur s'enregistre en sens inverse de la facture",{"type":50,"attrs":319,"content":320},{"textAlign":52,"key":53},[321],{"text":322,"type":57},"Comptabiliser un avoir revient à inscrire l'exact opposé de la facture qu'il corrige : ce qui avait été crédité est débité, et inversement. La logique est mécanique une fois qu'on la tient.",{"type":50,"attrs":324,"content":325},{"textAlign":52,"key":142},[326,328,335],{"text":327,"type":57},"Concrètement, vous débitez le compte ",{"text":329,"type":57,"marks":330},"401 « Fournisseurs »",[331,332],{"type":169},{"type":205,"attrs":333},{"href":334,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/glossaire/compte-401/",{"text":336,"type":57}," pour le montant TTC de l'avoir, puis vous créditez le compte de charge concerné (classe 60x) pour la part hors taxes et le 44566 pour la TVA déductible, que vous reprenez ainsi à hauteur de l'avoir.",{"type":50,"attrs":338,"content":339},{"textAlign":52,"key":155},[340,342,348,350,354],{"text":341,"type":57},"La nature de l'avoir oriente le compte de charge à mouvementer. Un ",{"text":343,"type":57,"marks":344},"avoir commercial",[345],{"type":205,"attrs":346},{"href":347,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.l-expert-comptable.com/a/534043-rabais-remise-et-ristourne-notion-et-comptabilisation.html",{"text":349,"type":57}," portant sur un rabais, une remise ou une ristourne passe par le compte ",{"text":351,"type":57,"marks":352},"609 « Rabais, remises et ristournes obtenus sur achats »",[353],{"type":169},{"text":355,"type":57},", tandis qu'un avoir sur retour de marchandises vient réduire le compte d'achat d'origine.",{"type":50,"attrs":357,"content":358},{"textAlign":52,"key":161},[359],{"text":360,"type":57},"Supposons qu'un fournisseur, après une surfacturation, vous adresse un avoir de 150 € HT, soit 180 € TTC. Vous débitez le 401 de 180 €, créditez le compte de charge de 150 € et le 44566 de 30 €. L'avoir vient alors en déduction de la prochaine facture du même fournisseur, ou donne lieu à un remboursement si aucune facture ne suit. Dans les deux cas, l'écriture reste la même ; seul le dénouement de trésorerie diffère.",{"type":147,"attrs":362,"content":363},{"level":149,"textAlign":52},[364],{"text":365,"type":57},"Provisionner un avoir à établir avant la clôture",{"type":50,"attrs":367,"content":368},{"textAlign":52,"key":174},[369,371,377],{"text":370,"type":57},"Quand un avoir vous est dû mais n'est pas encore parvenu à la ",{"text":372,"type":57,"marks":373},"date de clôture",[374],{"type":205,"attrs":375},{"href":376,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/processus-cloture-mensuelle-comptable/",{"text":378,"type":57},", vous devez le provisionner pour que la période reflète la réduction acquise. C'est le rôle de l'avoir à établir (AAE), qui rattache la ristourne au bon exercice sans attendre le document du fournisseur.",{"type":50,"attrs":380,"content":381},{"textAlign":52,"key":185},[382,384,388],{"text":383,"type":57},"L'écriture crédite le compte ",{"text":385,"type":57,"marks":386},"4098 « Fournisseurs, Autres avoirs non encore reçus »",[387],{"type":169},{"text":389,"type":57}," et débite le compte de charge à obtenir, généralement le 609 pour les rabais, remises et ristournes. Vous n'enregistrez que le montant hors taxes : la TVA reste en suspens jusqu'à la réception de l'avoir réel, puisque son exigibilité n'est pas encore acquise. À l'ouverture de l'exercice suivant, vous contrepassez cette écriture, puis vous comptabilisez l'avoir définitif dès qu'il arrive, TVA comprise cette fois.",{"type":50,"attrs":391,"content":392},{"textAlign":52,"key":197},[393],{"text":394,"type":57},"Au 31 décembre, imaginez une ristourne de fin d'année de 800 € HT négociée avec un fournisseur mais qu'il n'a pas encore facturée. Vous débitez le 609 de 800 € et créditez le 4098 du même montant : votre résultat intègre la remise sur le bon exercice, même si la pièce justificative ne suivra qu'en janvier. Sans cette provision, vous surestimeriez vos charges de l'année et fausseriez la comparaison entre exercices.",{"type":147,"attrs":396,"content":397},{"level":149,"textAlign":52},[398],{"text":399,"type":57},"Le paiement partiel laisse le solde ouvert au compte 401",{"type":50,"attrs":401,"content":402},{"textAlign":52,"key":224},[403],{"text":404,"type":57},"Une facture réglée en plusieurs fois reste comptabilisée en totalité dès sa réception : le fractionnement ne concerne que le décaissement, jamais le montant de la dette. La facture est donc créditée au 401 pour son TTC complet, comme n'importe quelle autre.",{"type":50,"attrs":406,"content":407},{"textAlign":52,"key":236},[408],{"text":409,"type":57},"Chaque versement se traduit ensuite par un débit du 401 à hauteur de la somme payée, en contrepartie du 512. Le solde non réglé demeure au crédit du 401, où il constitue le reste à payer du fournisseur. Le lettrage partiel relie chaque paiement à la facture d'origine, de sorte que vous voyez d'un coup d'œil ce qui reste dû sur chaque pièce.",{"type":50,"attrs":411,"content":412},{"textAlign":52,"key":261},[413],{"text":414,"type":57},"Sur une facture de 6 000 € TTC dont vous versez 2 400 € immédiatement, vous débitez le 401 de 2 400 € et créditez le 512 d'autant ; les 3 600 € restants patientent au 401 jusqu'à l'échéance à 30 jours.",{"type":50,"attrs":416,"content":417},{"textAlign":52,"key":273},[418,420,426],{"text":419,"type":57},"Le vrai risque n'est pas l'écriture, qui est simple, mais le suivi. Quand des dizaines de ",{"text":421,"type":57,"marks":422},"factures fournisseurs",[423],{"type":205,"attrs":424},{"href":425,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/processus-de-traitement-des-factures-fournisseurs/",{"text":427,"type":57}," sont ouvertes avec des soldes partiels, retrouver le reste à payer exact de chacune tourne vite au casse-tête entre le relevé bancaire et le grand livre. C'est précisément là qu'un outil de gestion des factures comme Spendesk aide, en rattachant chaque paiement à sa facture et en affichant le reste à payer par fournisseur : un règlement partiel ne se perd plus entre la banque et la comptabilité.",{"type":147,"attrs":429,"content":430},{"level":149,"textAlign":52},[431],{"text":432,"type":57},"Garder ces pièces sous contrôle jusqu'à la clôture",{"type":50,"attrs":434,"content":435},{"textAlign":52,"key":281},[436,438,444],{"text":437,"type":57},"Acomptes, avoirs et paiements partiels concentrent l'essentiel de la saisie manuelle en ",{"text":439,"type":57,"marks":440},"comptabilité fournisseurs",[441],{"type":205,"attrs":442},{"href":443,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.spendesk.com/fr/blog/comptabilite-fournisseur/",{"text":445,"type":57},", parce que chacun échappe au traitement automatique de la facture standard. Les garder sous contrôle, c'est d'abord capturer et rapprocher chaque justificatif au fil de l'eau, plutôt que de les reconstituer sous la pression de la clôture.",{"type":50,"attrs":447,"content":448},{"textAlign":52,"key":289},[449,451,457],{"text":450,"type":57},"La conservation obéit à deux délais : 6 ans au titre du délai fiscal de reprise, ",{"text":452,"type":57,"marks":453},"10 ans pour les pièces comptables des sociétés commerciales",[454],{"type":205,"attrs":455},{"href":456,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://bpifrance-creation.fr/encyclopedie/gerer-lentreprise/gestion-commerciale-administrative-documentaire/duree-conservation",{"text":458,"type":57},", conformément aux exigences de la DGFiP. 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Concrètement, une clôture bloquée par trois acomptes ouverts et deux avoirs en attente cesse d'être une soirée perdue à rapprocher chaque pièce à la main.",{"type":147,"attrs":478,"content":479},{"level":149,"textAlign":52},[480],{"text":481,"type":57},"Points clés à retenir",{"type":266,"content":483},[484,492,500,508,516],{"type":269,"content":485},[486],{"type":50,"attrs":487,"content":489},{"textAlign":52,"key":488},"p-15",[490],{"text":491,"type":57},"Un acompte versé se comptabilise au compte 4091, jamais en charge ; sa TVA se déduit via le 44566 dès l'encaissement depuis 2023, à condition de détenir une facture d'acompte la mentionnant.",{"type":269,"content":493},[494],{"type":50,"attrs":495,"content":497},{"textAlign":52,"key":496},"p-16",[498],{"text":499,"type":57},"Un avoir fournisseur, ou note de crédit, s'enregistre en sens inverse de la facture : débit du 401, crédit du compte de charge et de la TVA déductible.",{"type":269,"content":501},[502],{"type":50,"attrs":503,"content":505},{"textAlign":52,"key":504},"p-17",[506],{"text":507,"type":57},"Un avoir attendu mais non reçu à la clôture se provisionne en avoir à établir au compte 4098, puis se contrepasse à l'ouverture de l'exercice suivant.",{"type":269,"content":509},[510],{"type":50,"attrs":511,"content":513},{"textAlign":52,"key":512},"p-18",[514],{"text":515,"type":57},"Une facture réglée en plusieurs fois reste comptabilisée en totalité au 401 ; chaque paiement partiel se lettre au fur et à mesure et laisse le solde ouvert.",{"type":269,"content":517},[518],{"type":50,"attrs":519,"content":521},{"textAlign":52,"key":520},"p-19",[522],{"text":523,"type":57},"Ces pièces non standards sont la principale source de saisie manuelle ; les centraliser et les conserver de 6 à 10 ans sécurise la clôture et un éventuel contrôle de la DGFiP.",{"type":147,"attrs":525,"content":526},{"level":149,"textAlign":52},[527],{"text":528,"type":57},"Reprenez le contrôle de votre comptabilité fournisseurs",{"type":50,"attrs":530,"content":532},{"textAlign":52,"key":531},"p-20",[533,535,541],{"text":534,"type":57},"Acomptes, avoirs et paiements partiels n'ont pas à transformer chaque clôture en course contre la montre. 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La seule condition est de détenir une facture d'acompte mentionnant explicitement la TVA.",{"_uid":624,"title":625,"component":585,"description":626},"ab4f9bc8-211d-4b44-aba3-d0c97857391e","Que se passe-t-il si l'acompte versé dépasse le montant de la facture définitive ?",{"type":47,"content":627},[628],{"type":50,"attrs":629,"content":630},{"textAlign":52,"key":53},[631,633,639,641,647,649,655],{"text":632,"type":57},"Après imputation du compte 4091 sur le compte 401, le compte fournisseur présente un ",{"text":634,"type":57,"marks":635},"solde débiteur",[636],{"type":205,"attrs":637},{"href":638,"uuid":52,"anchor":52,"target":208,"linktype":34},"https://www.controledegestion.org/comptabilite/compte-409/",{"text":640,"type":57}," : le fournisseur devient débiteur à hauteur du trop-versé. Par exemple, un acompte de 360 € versé pour une facture définitive de 300 € laisse 60 € de trop-versé en créance au compte 401. 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Elle tient compte de l'ensemble du processus d'achat : approbations d'achat, méthodes de paiement, traitement des factures, note de frais, réconciliation des justificatifs, catégorisation des dépenses, taux de TVA, etc. pour une bonne tenue de la comptabilité.",{"type":2173},{"type":2173},{"text":2202,"type":57},"Les outils de gestion des dépenses deviennent nécessaires lorsque le nombre d'employés augmente et que l'équipe finance a besoin d'une meilleure visibilité et d'un meilleur contrôle de la trésorerie. Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":2173},{"type":2173},{"text":2206,"type":57},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2208,"title":2209,"component":585,"description":2210},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":47,"content":2211},[2212,2216,2220,2229,2233,2237,2246,2250,2254,2258,2262],{"type":50,"content":2213},[2214],{"text":2215,"type":57},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":50,"content":2217},[2218],{"text":2219,"type":57},"Il s'agit notamment de cartes de débit pour remplacer les cartes bancaires traditionnelles, de cartes virtuelles pour les achats en ligne et de notes de frais automatisées pour les achats imprévus.",{"type":50,"content":2221},[2222,2226,2227],{"text":2223,"type":57,"marks":2224},"Pour les employés",[2225],{"type":169},{"type":2173},{"text":2228,"type":57},"Les employés n'ont plus besoin d'avancer de l'argent. Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":50,"content":2230},[2231],{"text":2232,"type":57},"Si, pour quelque raison que ce soit, l'employé ne peut pas utiliser sa carte Spendesk, il prend une photo du justificatif via l'application mobile et crée une note de frais en temps réel.",{"type":50,"content":2234},[2235],{"text":2236,"type":57},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":50,"content":2238},[2239,2243,2244],{"text":2240,"type":57,"marks":2241},"Pour les équipes financières",[2242],{"type":169},{"type":2173},{"text":2245,"type":57},"Chaque employé a son propre profil sur Spendesk et son propre budget. Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":50,"content":2247},[2248],{"text":2249,"type":57},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. Par exemple, les décideurs et responsables auront un niveau de dépenses préapprouvé, différent de celui des autres collaborateurs.",{"type":50,"content":2251},[2252],{"text":2253,"type":57},"Si un employé a besoin de revoir son budget pré-approuvé, il peut en faire la demande à son responsable via l'application mobile ou web.",{"type":50,"content":2255},[2256],{"text":2257,"type":57},"Les équipes financières peuvent suivre l'ensemble des dépenses et assurer ainsi le suivi des reçus ou factures manquantes, en envoyant des rappels aux employés.",{"type":50,"content":2259},[2260],{"text":2261,"type":57},"Le suivi des dépenses est également plus facile car les équipes financières peuvent regrouper les dépenses et leur attribuer les bons taux de TVA et comptes de charges, avant de tout exporter en quelques clics vers leurs outils comptables.",{"type":50,"content":2263},[2264],{"text":2265,"type":57},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2267],{"cta":2268,"_uid":2269,"title":2270,"eyebrow":2277,"subtitle":2280,"component":147,"textAlign":24,"sectionSettings":2286,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":47,"content":2271},[2272],{"type":147,"attrs":2273,"content":2274},{"level":149},[2275],{"text":2276,"type":57},"Démarrer avec Spendesk",{"type":47,"content":2278},[2279],{"type":50},{"type":47,"content":2281},[2282],{"type":50,"content":2283},[2284],{"text":2285,"type":57},"Fermez les comptes 4 fois plus rapidement, collectez plus de 95 % des reçus à temps et obtenez une visibilité de 100 % sur les dépenses de l'entreprise.",[],[],"Table des matières",[2290,2452,2696,2865],{"name":2291,"created_at":2292,"published_at":2293,"updated_at":2294,"id":2295,"uuid":2296,"content":2297,"slug":2441,"full_slug":2442,"sort_by_date":52,"position":2443,"tag_list":2444,"is_startpage":26,"parent_id":685,"meta_data":52,"group_id":2445,"first_published_at":2293,"release_id":52,"lang":65,"path":52,"alternates":2446,"default_full_slug":2447,"translated_slugs":2448},"Logiciel de suivi budgétaire : comment choisir l’outil adapté à votre entreprise ?","2026-10-30T13:20:16.323Z","2026-10-30T13:34:14.178Z","2026-10-30T13:35:05.059Z",236244239691256,"2e5e0d2d-1f5a-4ea9-8dbf-0f783086e9d3",{"_uid":2298,"title":2291,"topics":2299,"noIndex":26,"category":2321,"language":2330,"readTime":24,"component":557,"heroMedia":2331,"publishedAt":2340,"redirectUrl":24,"leadwallForm":2341,"listingImage":2342,"leadwallTitle":24,"metaDescription":2343,"bottomArticleCta":2344,"leadwallSubtitle":24,"isLeadwallEnabled":26,"componentsAfterTheArticle":2345,"leadwallVisibleParagraphs":24},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[2300],{"name":2301,"created_at":2302,"published_at":2303,"updated_at":2304,"id":2305,"uuid":2306,"content":2307,"slug":2309,"full_slug":2310,"sort_by_date":52,"position":2311,"tag_list":2312,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":2313,"first_published_at":2314,"release_id":52,"lang":65,"path":52,"alternates":2315,"default_full_slug":2316,"translated_slugs":2317,"_stopResolving":38},"Comptabilité","2022-10-19T17:57:49.664Z","2026-09-29T09:14:36.752Z","2026-09-29T09:14:36.770Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"_uid":2308,"name":2301,"component":92},"1dc6497e-1135-45e9-a2c6-426facc382ba","comptabilite","fr/blog/topic/comptabilite",-50,[],"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[2318,2319,2320],{"path":2316,"name":52,"lang":65,"published":52},{"path":2316,"name":52,"lang":71,"published":52},{"path":2316,"name":52,"lang":73,"published":52},{"name":544,"created_at":545,"published_at":546,"updated_at":547,"id":548,"uuid":549,"content":2322,"slug":557,"full_slug":558,"sort_by_date":52,"position":559,"tag_list":2324,"is_startpage":26,"parent_id":561,"meta_data":52,"group_id":562,"first_published_at":563,"release_id":52,"lang":65,"path":52,"alternates":2325,"default_full_slug":565,"translated_slugs":2326,"_stopResolving":38},{"_uid":551,"icon":2323,"name":544,"component":556},{"id":553,"alt":554,"name":24,"focus":24,"title":24,"filename":555,"copyright":24,"fieldtype":30,"is_external_url":26},[],[],[2327,2328,2329],{"path":565,"name":52,"lang":65,"published":52},{"path":565,"name":52,"lang":71,"published":52},{"path":565,"name":52,"lang":73,"published":52},[65],[2332],{"_uid":2333,"link":2334,"asset":2335,"caption":24,"component":2339},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":24,"url":24,"linktype":724,"fieldtype":35,"cached_url":1761,"prep":38},{"id":2336,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2337,"copyright":24,"fieldtype":30,"meta_data":2338,"is_external_url":26},236246895659711,"https://a.storyblok.com/f/146026/1248x832/5db30c8d96/budget-tool-compass.png",{},"image","2026-10-30 00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[2346],{"cta":2347,"_uid":2348,"items":2349,"heading":2416,"reverse":26,"component":680,"sectionSettings":2440},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[2350,2361,2372,2383,2394,2405],{"_uid":2351,"hide":26,"title":2352,"component":585,"description":2353},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":47,"attrs":2354,"content":2355},{"backgroundColor":52},[2356],{"type":50,"attrs":2357,"content":2358},{"textAlign":52},[2359],{"text":2360,"type":57},"Le meilleur outil dépend du nombre d’entités, du nombre de responsables de budget et du niveau de suivi attendu. Une PME avec une seule entité peut commencer avec un logiciel comptable et un outil de gestion des dépenses. Une PME avec plusieurs équipes doit privilégier le suivi du budget engagé, les approbations, les droits d’accès et les intégrations comptables.",{"_uid":2362,"hide":26,"title":2363,"component":585,"description":2364},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":47,"attrs":2365,"content":2366},{"backgroundColor":52},[2367],{"type":50,"attrs":2368,"content":2369},{"textAlign":52},[2370],{"text":2371,"type":57},"Le budget prévu correspond au montant autorisé. Le budget engagé correspond aux dépenses décidées mais pas encore nécessairement comptabilisées. Le budget réalisé correspond aux dépenses enregistrées ou payées. Comparer les trois permet d’anticiper les dépassements au lieu de les constater à la clôture.",{"_uid":2373,"hide":26,"title":2374,"component":585,"description":2375},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":47,"attrs":2376,"content":2377},{"backgroundColor":52},[2378],{"type":50,"attrs":2379,"content":2380},{"textAlign":52},[2381],{"text":2382,"type":57},"Excel peut suffire pour une petite structure avec une seule entité, peu de lignes budgétaires et peu d’utilisateurs. Il devient plus fragile lorsque plusieurs versions circulent, que les dépenses engagées ne sont pas suivies ou que les managers ont besoin d’une information en temps réel.",{"_uid":2384,"hide":26,"title":2385,"component":585,"description":2386},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":47,"attrs":2387,"content":2388},{"backgroundColor":52},[2389],{"type":50,"attrs":2390,"content":2391},{"textAlign":52},[2392],{"text":2393,"type":57},"Non. Un logiciel FP&A sert principalement à construire des scénarios, prévoir les résultats et consolider les données. Un outil de gestion des dépenses capte les demandes, cartes, notes de frais et factures au moment où elles interviennent. Les deux solutions peuvent être complémentaires.",{"_uid":2395,"hide":26,"title":2396,"component":585,"description":2397},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":47,"attrs":2398,"content":2399},{"backgroundColor":52},[2400],{"type":50,"attrs":2401,"content":2402},{"textAlign":52},[2403],{"text":2404,"type":57},"Vérifiez l’intégration avec votre logiciel comptable, votre ERP, votre outil de paie si nécessaire et vos systèmes de paiement. Contrôlez aussi les données synchronisées, la fréquence des mises à jour, les dimensions analytiques et les possibilités d’export ou d’API.",{"_uid":2406,"hide":26,"title":2407,"component":585,"description":2408},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":47,"attrs":2409,"content":2410},{"backgroundColor":52},[2411],{"type":50,"attrs":2412,"content":2413},{"textAlign":52},[2414],{"text":2415,"type":57},"Testez-le sur un mois complet et sur un périmètre limité, avec vos propres dépenses. Vérifiez le suivi du budget engagé, les workflows d’approbation, les alertes, les droits d’accès, les exports comptables et le temps nécessaire à la production du reporting.",[2417],{"cta":2418,"_uid":2419,"title":2420,"layout":24,"eyebrow":2428,"subtitle":2435,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":2438,"sectionSettings":2439,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":47,"attrs":2421,"content":2422},{"backgroundColor":52},[2423],{"type":147,"attrs":2424,"content":2425},{"level":149,"textAlign":52},[2426],{"text":2427,"type":57},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":47,"attrs":2429,"content":2430},{"backgroundColor":52},[2431],{"type":50,"attrs":2432,"content":2433},{"textAlign":52},[2434],{"text":992,"type":57},{"type":47,"content":2436},[2437],{"type":50},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2449,2450,2451],{"path":2447,"name":52,"lang":65,"published":52},{"path":2447,"name":52,"lang":71,"published":52},{"path":2447,"name":52,"lang":73,"published":52},{"name":2453,"created_at":2454,"published_at":2455,"updated_at":2456,"id":2457,"uuid":2458,"content":2459,"slug":2685,"full_slug":2686,"sort_by_date":52,"position":2687,"tag_list":2688,"is_startpage":26,"parent_id":685,"meta_data":52,"group_id":2689,"first_published_at":2455,"release_id":52,"lang":65,"path":52,"alternates":2690,"default_full_slug":2691,"translated_slugs":2692},"Délais de paiement fournisseurs en France : règles, échéances et bonnes pratiques","2026-10-17T15:47:30.379Z","2026-10-17T15:56:05.969Z","2026-10-17T15:57:31.146Z",231679796788100,"ef2a3c7c-6076-4d7c-819c-318ef4769afc",{"_uid":2460,"title":2453,"topics":2461,"noIndex":26,"category":2470,"language":2479,"component":557,"heroMedia":2480,"publishedAt":2489,"redirectUrl":24,"leadwallForm":2490,"listingImage":2491,"leadwallTitle":24,"metaDescription":2492,"bottomArticleCta":2493,"leadwallSubtitle":24,"isLeadwallEnabled":26,"componentsAfterTheArticle":2494,"leadwallVisibleParagraphs":24},"1d8195b6-b1f6-48b9-8c6a-ace9b04afb7b",[2462],{"name":107,"created_at":108,"published_at":109,"updated_at":110,"id":111,"uuid":112,"content":2463,"slug":121,"full_slug":122,"sort_by_date":52,"position":123,"tag_list":2464,"is_startpage":26,"parent_id":97,"meta_data":52,"group_id":125,"first_published_at":126,"release_id":52,"lang":65,"path":52,"alternates":2465,"default_full_slug":128,"translated_slugs":2466,"_stopResolving":38},{"_uid":120,"name":107,"component":92},[],[],[2467,2468,2469],{"path":128,"name":52,"lang":65,"published":52},{"path":128,"name":52,"lang":71,"published":52},{"path":128,"name":52,"lang":73,"published":52},{"name":544,"created_at":545,"published_at":546,"updated_at":547,"id":548,"uuid":549,"content":2471,"slug":557,"full_slug":558,"sort_by_date":52,"position":559,"tag_list":2473,"is_startpage":26,"parent_id":561,"meta_data":52,"group_id":562,"first_published_at":563,"release_id":52,"lang":65,"path":52,"alternates":2474,"default_full_slug":565,"translated_slugs":2475,"_stopResolving":38},{"_uid":551,"icon":2472,"name":544,"component":556},{"id":553,"alt":554,"name":24,"focus":24,"title":24,"filename":555,"copyright":24,"fieldtype":30,"is_external_url":26},[],[],[2476,2477,2478],{"path":565,"name":52,"lang":65,"published":52},{"path":565,"name":52,"lang":71,"published":52},{"path":565,"name":52,"lang":73,"published":52},[65],[2481],{"_uid":2482,"link":2483,"asset":2484,"caption":24,"component":2339},"0e9f7d77-d62a-4c57-aa52-662d3c7ddd7b",{"id":24,"url":24,"linktype":724,"fieldtype":35,"cached_url":1761,"prep":38},{"id":2485,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2486,"copyright":24,"fieldtype":30,"meta_data":2487,"is_external_url":26},231680153622674,"https://a.storyblok.com/f/146026/1248x832/29bee620a5/delais-de-paiement-fournisseurs-en-france-regles-echeances-et-bonnes-pratiques.png",{"size":2488},"1248x832","2026-10-17 00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2495],{"cta":2496,"_uid":2497,"items":2498,"heading":2660,"reverse":26,"component":680,"sectionSettings":2684},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2499,2519,2546,2568,2583],{"_uid":2500,"hide":26,"title":2501,"component":585,"description":2502},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":47,"attrs":2503,"content":2504},{"backgroundColor":52},[2505,2514],{"type":50,"attrs":2506,"content":2507},{"textAlign":52},[2508,2512],{"text":2509,"type":57,"marks":2510},"Dans le régime général, non.",[2511],{"type":169},{"text":2513,"type":57}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":50,"attrs":2515,"content":2516},{"textAlign":52},[2517],{"text":2518,"type":57},"Certaines exceptions existent néanmoins. Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2520,"hide":26,"title":2521,"component":585,"description":2522},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":47,"attrs":2523,"content":2524},{"backgroundColor":52},[2525,2536],{"type":50,"attrs":2526,"content":2527},{"textAlign":52},[2528,2530,2534],{"text":2529,"type":57},"Une facture périodique doit être réglée au plus tard ",{"text":2531,"type":57,"marks":2532},"45 jours après sa date d’émission",[2533],{"type":169},{"text":2535,"type":57},", sans report en fin de mois.",{"type":50,"attrs":2537,"content":2538},{"textAlign":52},[2539,2541,2545],{"text":2540,"type":57},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2542,"type":57,"marks":2543},"15 décembre 2026",[2544],{"type":169},{"text":542,"type":57},{"_uid":2547,"hide":26,"title":2548,"component":585,"description":2549},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":47,"attrs":2550,"content":2551},{"backgroundColor":52},[2552,2563],{"type":50,"attrs":2553,"content":2554},{"textAlign":52},[2555,2557,2561],{"text":2556,"type":57},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":2558,"type":57,"marks":2559},"50 jours en 2024",[2560],{"type":169},{"text":2562,"type":57},", hors microentreprises.",{"type":50,"attrs":2564,"content":2565},{"textAlign":52},[2566],{"text":2567,"type":57},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":2569,"hide":26,"title":2570,"component":585,"description":2571},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":47,"attrs":2572,"content":2573},{"backgroundColor":52},[2574],{"type":50,"attrs":2575,"content":2576},{"textAlign":52},[2577,2581],{"text":2578,"type":57,"marks":2579},"Elle change le circuit de traitement, mais pas les délais légaux.",[2580],{"type":169},{"text":2582,"type":57}," 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":2584,"hide":26,"title":2585,"component":585,"description":2586},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":47,"attrs":2587,"content":2588},{"backgroundColor":52},[2589,2599,2609,2614,2621,2626,2649],{"type":50,"attrs":2590,"content":2591},{"textAlign":52},[2592,2594,2598],{"text":2593,"type":57},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit ",{"text":2595,"type":57,"marks":2596},"12,40 % au second semestre 2026",[2597],{"type":169},{"text":542,"type":57},{"type":50,"attrs":2600,"content":2601},{"textAlign":52},[2602,2604,2608],{"text":2603,"type":57},"À cela s’ajoute l’indemnité forfaitaire de ",{"text":2605,"type":57,"marks":2606},"40 € par facture",[2607],{"type":169},{"text":542,"type":57},{"type":50,"attrs":2610,"content":2611},{"textAlign":52},[2612],{"text":2613,"type":57},"Pour une facture de 5 000 € TTC réglée avec 45 jours de retard :",{"type":50,"attrs":2615,"content":2616},{"textAlign":52},[2617],{"text":2618,"type":57,"marks":2619},"5 000 × 12,40 % × 45 / 365 = 76,44 €",[2620],{"type":169},{"type":50,"attrs":2622,"content":2623},{"textAlign":52},[2624],{"text":2625,"type":57},"Il faut donc ajouter :",{"type":266,"content":2627},[2628,2639],{"type":269,"content":2629},[2630],{"type":50,"attrs":2631,"content":2632},{"textAlign":52},[2633,2637],{"text":2634,"type":57,"marks":2635},"76,44 € de pénalités de retard",[2636],{"type":169},{"text":2638,"type":57}," ;",{"type":269,"content":2640},[2641],{"type":50,"attrs":2642,"content":2643},{"textAlign":52},[2644,2648],{"text":2645,"type":57,"marks":2646},"40 € d’indemnité forfaitaire",[2647],{"type":169},{"text":542,"type":57},{"type":50,"attrs":2650,"content":2651},{"textAlign":52},[2652,2654,2658],{"text":2653,"type":57},"Soit ",{"text":2655,"type":57,"marks":2656},"116,44 € au total",[2657],{"type":169},{"text":2659,"type":57},", hors éventuels frais complémentaires de 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[2737],{"cta":2738,"_uid":2739,"items":2740,"heading":2829,"reverse":26,"component":680,"sectionSettings":2853},[],"d1adf0be-b475-4141-be84-e6809c10956b",[2741,2756,2770,2785,2800,2814],{"_uid":2742,"hide":26,"title":2743,"component":585,"description":2744},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":47,"attrs":2745,"content":2746},{"backgroundColor":52},[2747],{"type":50,"attrs":2748,"content":2749},{"textAlign":52},[2750,2754],{"text":2751,"type":57,"marks":2752},"Non.",[2753],{"type":169},{"text":2755,"type":57}," 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":2757,"hide":26,"title":2758,"component":585,"description":2759},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":47,"attrs":2760,"content":2761},{"backgroundColor":52},[2762],{"type":50,"attrs":2763,"content":2764},{"textAlign":52},[2765,2768],{"text":2751,"type":57,"marks":2766},[2767],{"type":169},{"text":2769,"type":57}," 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":2771,"hide":26,"title":2772,"component":585,"description":2773},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":47,"attrs":2774,"content":2775},{"backgroundColor":52},[2776],{"type":50,"attrs":2777,"content":2778},{"textAlign":52},[2779,2783],{"text":2780,"type":57,"marks":2781},"Oui.",[2782],{"type":169},{"text":2784,"type":57}," 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":2786,"hide":26,"title":2787,"component":585,"description":2788},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":47,"attrs":2789,"content":2790},{"backgroundColor":52},[2791],{"type":50,"attrs":2792,"content":2793},{"textAlign":52},[2794,2798],{"text":2795,"type":57,"marks":2796},"Oui, dès lors qu’elle est assujettie à la TVA",[2797],{"type":169},{"text":2799,"type":57},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":2801,"hide":26,"title":2802,"component":585,"description":2803},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":47,"attrs":2804,"content":2805},{"backgroundColor":52},[2806],{"type":50,"attrs":2807,"content":2808},{"textAlign":52},[2809,2812],{"text":2780,"type":57,"marks":2810},[2811],{"type":169},{"text":2813,"type":57}," 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":2815,"hide":26,"title":2816,"component":585,"description":2817},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":47,"attrs":2818,"content":2819},{"backgroundColor":52},[2820],{"type":50,"attrs":2821,"content":2822},{"textAlign":52},[2823,2827],{"text":2824,"type":57,"marks":2825},"Non, sauf s’il est lui-même agréé.",[2826],{"type":169},{"text":2828,"type":57}," 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.",[2830],{"cta":2831,"_uid":2832,"title":2833,"layout":24,"eyebrow":2841,"subtitle":2848,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":2851,"sectionSettings":2852,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":47,"attrs":2834,"content":2835},{"backgroundColor":52},[2836],{"type":147,"attrs":2837,"content":2838},{"level":149,"textAlign":52},[2839],{"text":2840,"type":57},"Questions fréquentes sur la facturation électronique des 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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.",[],[2919],{"cta":2920,"_uid":2921,"items":2922,"heading":2998,"reverse":26,"component":680,"sectionSettings":3022},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[2923,2938,2952,2969,2984],{"_uid":2924,"hide":26,"title":2925,"component":585,"description":2926},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":47,"attrs":2927,"content":2928},{"backgroundColor":52},[2929],{"type":50,"attrs":2930,"content":2931},{"textAlign":52},[2932,2936],{"text":2933,"type":57,"marks":2934},"Oui, par l’intermédiaire du prestataire de paiement.",[2935],{"type":169},{"text":2937,"type":57}," 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":2939,"hide":26,"title":2940,"component":585,"description":2941},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":47,"attrs":2942,"content":2943},{"backgroundColor":52},[2944],{"type":50,"attrs":2945,"content":2946},{"textAlign":52},[2947,2950],{"text":2780,"type":57,"marks":2948},[2949],{"type":169},{"text":2951,"type":57}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":2953,"hide":26,"title":2954,"component":585,"description":2955},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":47,"attrs":2956,"content":2957},{"backgroundColor":52},[2958],{"type":50,"attrs":2959,"content":2960},{"textAlign":52},[2961,2963,2967],{"text":2962,"type":57},"Il faut au minimum ",{"text":2964,"type":57,"marks":2965},"un compte marchand auprès d’un prestataire compatible",[2966],{"type":169},{"text":2968,"type":57},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":2970,"hide":26,"title":2971,"component":585,"description":2972},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":47,"attrs":2973,"content":2974},{"backgroundColor":52},[2975],{"type":50,"attrs":2976,"content":2977},{"textAlign":52},[2978,2982],{"text":2979,"type":57,"marks":2980},"Oui, si son émetteur l’autorise.",[2981],{"type":169},{"text":2983,"type":57}," 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":2985,"hide":26,"title":2986,"component":585,"description":2987},"5740f50b-3e71-4739-b292-d8deffbaf70c","Apple Pay remplace-t-il le justificatif d’une dépense professionnelle ?",{"type":47,"attrs":2988,"content":2989},{"backgroundColor":52},[2990],{"type":50,"attrs":2991,"content":2992},{"textAlign":52},[2993,2996],{"text":2751,"type":57,"marks":2994},[2995],{"type":169},{"text":2997,"type":57}," 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.",[2999],{"cta":3000,"_uid":3001,"title":3002,"layout":24,"eyebrow":3010,"subtitle":3017,"component":147,"textAlign":24,"eyebrowPill":26,"checkmarkList":26,"flexibleSection":3020,"sectionSettings":3021,"displaySeparator":26,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"0d4bf8af-b587-46cb-8d4e-2a371dde9c46",{"type":47,"attrs":3003,"content":3004},{"backgroundColor":52},[3005],{"type":147,"attrs":3006,"content":3007},{"level":149,"textAlign":52},[3008],{"text":3009,"type":57},"Questions fréquentes sur Apple Pay et Tap to Pay sur iPhone",{"type":47,"attrs":3011,"content":3012},{"backgroundColor":52},[3013],{"type":50,"attrs":3014,"content":3015},{"textAlign":52},[3016],{"text":992,"type":57},{"type":47,"content":3018},[3019],{"type":50},[],[],[],"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",[3031,3032,3033],{"path":3029,"name":52,"lang":65,"published":52},{"path":3029,"name":52,"lang":71,"published":52},{"path":3029,"name":52,"lang":73,"published":52},1793991547511]