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Lors de cette première édition, des leaders du secteur et des partenaires se sont réunis pour dévoiler notre nouvelle infrastructure financière, présenter nos dernières innovations et introduire un produit excitant.",[129],{"type":130,"attrs":131},"textStyle",{"color":132},"#000000",{"type":73,"content":134},[135],{"text":136,"type":77},"Au cœur de notre vision se trouve un principe simple, mais fondateur :",{"type":138,"attrs":139},"blok",{"id":140,"body":141},"0e69dfa0-5d90-4f9b-a1fb-d81df5e3b8c9",[142],{"_uid":143,"quote":144,"subtitle":145,"component":146},"d4bdae6c-74b9-4f6b-a844-0e603acd06a7","Nous plaçons les personnes au centre, la finance au premier plan, et la communauté au cœur de la gestion des dépenses, créant ainsi une plateforme qui réunit toutes les dépenses de l’entreprise.","Rodolphe Ardant, Fondateur de Spendesk","quoteWithLine",{"type":73,"content":148},[149],{"text":150,"type":77,"marks":151},"Découvrez les moments forts et clés de cet événement révolutionnaire et apprenez comment Spendesk transforme la gestion des dépenses pour les entreprises.",[152],{"type":130,"attrs":153},{"color":132},{"type":155,"attrs":156,"content":158},"heading",{"level":157},2,[159],{"text":160,"type":77,"marks":161},"Lancement de Spendesk Financial Services pour les clients en Europe continentale",[162],{"type":130,"attrs":163},{"color":132},{"type":73,"content":165},[166],{"text":167,"type":77,"marks":168},"Stephane Dehaies, PDG de Spendesk Financial Services, et Thomas Douchez, Directeur du développement commercial France, Belgique & Luxembourg chez Visa, ont introduit un nouveau chapitre dans l'évolution de Spendesk : le lancement de Spendesk Financial Services, notre propre institution de paiement agréée.",[169],{"type":130,"attrs":170},{"color":132},{"type":73,"content":172},[173],{"text":174,"type":77,"marks":175},"Avec Spendesk Financial Services, Spendesk passe de « simple » plateforme de gestion des dépenses à une institution de paiement à part entière, agréée par l’Autorité de contrôle prudentiel et de résolution (ACPR) en France.",[176],{"type":130,"attrs":177},{"color":132},{"type":138,"attrs":179},{"id":180,"body":181},"7563ad60-0144-499c-b60f-172e3604b4b2",[182],{"_uid":183,"caption":22,"autoplay":28,"component":184,"thumbnail":185,"playerType":186,"onPlayEvent":22,"externalVideo":187,"internalVideo":188,"playButtonText":22},"32ca10af-5507-4725-badd-95c5c5af1427","video",[],"inline","https://www.youtube.com/watch?v=WRUp0RQ2lIU",{"id":25,"alt":25,"name":22,"focus":25,"title":25,"source":25,"filename":22,"copyright":25,"fieldtype":57,"meta_data":189},{},{"type":155,"attrs":191,"content":192},{"level":157},[193],{"text":194,"type":77,"marks":195},"Qu'est-ce que cela signifie pour nos clients ?",[196],{"type":130,"attrs":197},{"color":132},{"type":199,"content":200},"bullet_list",[201,218,233],{"type":202,"content":203},"list_item",[204],{"type":73,"content":205},[206,213],{"text":207,"type":77,"marks":208},"Plus de contrôle : ",[209,211],{"type":210},"bold",{"type":130,"attrs":212},{"color":132},{"text":214,"type":77,"marks":215},"En possédant notre propre infrastructure et institution de paiement régulée, nous contrôlons les prochaines étapes de notre évolution. 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Les clients bénéficient déjà de fonctionnalités avancées, comme des paramètres de paiement définis par l'utilisateur, et nous continuons à repousser les limites de ce qui est possible.",[246],{"type":130,"attrs":247},{"color":132},{"type":155,"attrs":249,"content":250},{"level":157},[251],{"text":252,"type":77,"marks":253},"La sécurité, notre priorité absolue",[254],{"type":130,"attrs":255},{"color":132},{"type":73,"content":257},[258],{"text":259,"type":77,"marks":260},"Chez Spendesk Financial Services, nous prenons votre sécurité très au sérieux et avons mis en place des mesures étendues pour protéger vos fonds, telles que la conformité avec les réglementations européennes comme la PSD2 et le monitoring des fraudes en temps réel.",[261],{"type":130,"attrs":262},{"color":132},{"type":73,"content":264},[265],{"text":266,"type":77,"marks":267},"Nous avons également intégré des fonctionnalités de sécurité solides dans la plateforme Spendesk, incluant l'authentification forte du client et des flux d'approbation à double validation pour les paiements. 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Even faster monthly close",[466],{"type":130,"attrs":467},{"color":132},{"type":155,"attrs":469,"content":470},{"level":323},[471],{"text":472,"type":77},"3.Clôture mensuelle encore plus rapide",{"type":199,"content":474},[475,484,493],{"type":202,"content":476},[477],{"type":73,"content":478},[479],{"text":480,"type":77,"marks":481},"Intégration avec Sage 100 : synchronisation des paramètres, transactions et documents.",[482],{"type":130,"attrs":483},{"color":132},{"type":202,"content":485},[486],{"type":73,"content":487},[488],{"text":489,"type":77,"marks":490},"Exports flexibles : personnalisez et exportez vos fichiers plus rapidement, sans limite de lignes.",[491],{"type":130,"attrs":492},{"color":132},{"type":202,"content":494},[495],{"type":73,"content":496},[497,503],{"text":498,"type":77,"marks":499},"Bientôt disponible : ",[500,501],{"type":210},{"type":130,"attrs":502},{"color":132},{"text":504,"type":77,"marks":505},"Plus de flexibilité avec la modification des paiements après export, et de nouvelles fonctionnalités IA pour vérifier les paiements et reçus, afin d'accélérer la clôture.",[506],{"type":130,"attrs":507},{"color":132},{"type":155,"attrs":509,"content":510},{"level":323},[511],{"text":512,"type":77,"marks":513},"4. 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La solution Procurement s'attaque aux inefficacités en amont des demandes d'achats.","Marine Desoutter, Product Marketing Lead chez Spendesk",{"type":73,"content":700},[701],{"text":702,"type":77,"marks":703},"Spendesk Procurement transforme les processus d'achat, depuis la demande jusqu'au paiement, en apportant plus de contrôle, d'automatisation et d'efficacité.",[704],{"type":130,"attrs":705},{"color":132},{"type":138,"attrs":707},{"id":708,"body":709},"6901b691-4b7c-4c75-b5c1-1c74569c50a2",[710],{"_uid":711,"caption":22,"autoplay":28,"component":184,"thumbnail":712,"playerType":186,"onPlayEvent":22,"externalVideo":713,"internalVideo":714,"playButtonText":22},"ce2814d6-3164-41a3-9567-fdf8c7c2ebc5",[],"https://www.youtube.com/watch?v=V32W-QOuBVg&feature=youtu.be",{"id":25,"alt":25,"name":22,"focus":25,"title":25,"source":25,"filename":22,"copyright":25,"fieldtype":57,"meta_data":715},{},{"type":155,"attrs":717,"content":718},{"level":157},[719],{"text":720,"type":77,"marks":721},"Pourquoi le procurement ? Pourquoi maintenant ?",[722],{"type":130,"attrs":723},{"color":132},{"type":73,"content":725},[726],{"text":727,"type":77,"marks":728},"Après une décennie à orienter la digitalisation de la gestion des dépenses, Spendesk a acquis des connaissances approfondies sur les points de douleur de ses clients. Les outils d’achat traditionnels ne sont pas adaptés aux PME. C’est là que Spendesk Procurement excelle en proposant une approche moderne et intégrée à la gestion des dépenses.",[729],{"type":130,"attrs":730},{"color":132},{"type":155,"attrs":732,"content":733},{"level":323},[734],{"text":735,"type":77,"marks":736},"Les défis de l'approvisionnement pour les PME",[737],{"type":130,"attrs":738},{"color":132},{"type":73,"content":740},[741],{"text":742,"type":77,"marks":743},"Marine a mis en lumière des statistiques révélatrices sur les défis que rencontrent les PME en matière d'approvisionnement :",[744],{"type":130,"attrs":745},{"color":132},{"type":199,"content":747},[748],{"type":202,"content":749},[750],{"type":73,"content":751},[752],{"text":753,"type":77,"marks":754},"En moyenne, une PME travaille avec 800 fournisseurs.",[755],{"type":130,"attrs":756},{"color":132},{"type":199,"content":758},[759],{"type":202,"content":760},[761],{"type":73,"content":762},[763],{"text":764,"type":77,"marks":765},"Le coût du traitement des demandes d’achat peut varier entre 40 £ et 120 £, en fonction du nombre de départements impliqués (finance, approvisionnement, IT, juridique, etc.).",[766],{"type":130,"attrs":767},{"color":132},{"type":199,"content":769},[770],{"type":202,"content":771},[772],{"type":73,"content":773},[774],{"text":775,"type":77,"marks":776},"La montée des abonnements SaaS ajoute de la complexité aux renouvellements, à la sécurité et aux paiements internationaux.",[777],{"type":130,"attrs":778},{"color":132},{"type":73,"content":780},[781],{"text":782,"type":77,"marks":783},"Dans un contexte de travail globalisé et décentralisé, l’approvisionnement ne se limite plus à acheter le bon produit. Il s’agit d’assurer la conformité, la sécurité et la confidentialité tout en gérant les coûts de manière efficace. Souvent, le processus d'approvisionnement est source de frustration, d'inefficacité et de nombreuses opportunités d'économies manquées.",[784],{"type":130,"attrs":785},{"color":132},{"type":155,"attrs":787,"content":788},{"level":323},[789],{"text":790,"type":77,"marks":791},"L'argument en faveur d'un approvisionnement moderne",[792],{"type":130,"attrs":793},{"color":132},{"type":73,"content":795},[796,801,807],{"text":797,"type":77,"marks":798},"Marine a introduit le concept d'",[799],{"type":130,"attrs":800},{"color":132},{"text":802,"type":77,"marks":803},"approvisionnement moderne",[804,805],{"type":210},{"type":130,"attrs":806},{"color":132},{"text":808,"type":77,"marks":809},", une nouvelle approche conçue pour répondre aux besoins spécifiques des PME. Contrairement aux systèmes d'approvisionnement traditionnels, développés il y a deux décennies, les solutions d'approvisionnement modernes sont :",[810],{"type":130,"attrs":811},{"color":132},{"type":199,"content":813},[814,820,826],{"type":202,"content":815},[816],{"type":73,"content":817},[818],{"text":819,"type":77},"Basées sur l'IA pour des décisions plus intelligentes.",{"type":202,"content":821},[822],{"type":73,"content":823},[824],{"text":825,"type":77},"Axées sur l’utilisateur, permettant une collaboration fluide et intuitive entre les différents départements.",{"type":202,"content":827},[828],{"type":73,"content":829},[830],{"text":831,"type":77},"Intégrées aux outils technologiques existants de l'entreprise pour assurer des flux de travail sans accroc.",{"type":73,"content":833},[834],{"text":835,"type":77,"marks":836},"L'approvisionnement moderne permet aux entreprises de décentraliser leurs processus tout en maintenant un contrôle et une supervision efficaces. Cette philosophie s’aligne sur l’approche de Spendesk : rendre les processus collaboratifs, intuitifs et évolutifs.",[837],{"type":130,"attrs":838},{"color":132},{"type":155,"attrs":840,"content":841},{"level":157},[842],{"text":843,"type":77,"marks":844},"Spendesk Procurement : une plateforme unique pour un contrôle total des dépenses",[845],{"type":130,"attrs":846},{"color":132},{"type":73,"content":848},[849,854,862],{"text":850,"type":77,"marks":851},"Le temps fort de l'événement a été l'introduction de ",[852],{"type":130,"attrs":853},{"color":132},{"text":678,"type":77,"marks":855},[856,859,860],{"type":296,"attrs":857},{"href":858,"uuid":683,"anchor":25,"target":600,"linktype":601},"/platform/procure-to-pay",{"type":210},{"type":130,"attrs":861},{"color":132},{"text":863,"type":77,"marks":864},", fusionnant l'approvisionnement et la gestion des dépenses en une seule solution. ",[865],{"type":130,"attrs":866},{"color":132},{"type":73,"content":868},[869],{"text":870,"type":77,"marks":871},"Principales fonctionnalités :",[872],{"type":210},{"type":199,"content":874},[875,885,895,905],{"type":202,"content":876},[877],{"type":73,"content":878},[879,883],{"text":880,"type":77,"marks":881},"Automatisation du début à la fin",[882],{"type":210},{"text":884,"type":77}," : Spendesk automatise chaque étape pour s'assurer que rien n'est oublié.",{"type":202,"content":886},[887],{"type":73,"content":888},[889,893],{"text":890,"type":77,"marks":891},"Plateforme tout-en-un",[892],{"type":210},{"text":894,"type":77}," : L'intégration de l'approvisionnement avec la gestion des dépenses permet aux entreprises de gérer l'ensemble de leur budget sur une seule plateforme, simplifiant ainsi les processus et réduisant le besoin de plusieurs outils.",{"type":202,"content":896},[897],{"type":73,"content":898},[899,903],{"text":900,"type":77,"marks":901},"Expérience utilisateur supérieure",[902],{"type":210},{"text":904,"type":77}," : Conçu pour être facilement adopté, Spendesk permet à tous les départements, de la finance à l'IT, de collaborer sans difficultés, sans courbes d'apprentissage pénibles.",{"type":202,"content":906},[907],{"type":73,"content":908},[909,913,915,922],{"text":910,"type":77,"marks":911},"Flexibilité des paiements",[912],{"type":210},{"text":914,"type":77}," : Qu'il s'agisse de payer avec des ",{"text":916,"type":77,"marks":917},"cartes virtuelles",[918],{"type":296,"attrs":919},{"href":920,"uuid":921,"anchor":25,"target":600,"linktype":601},"/fr/platform/virtual-cards","69439fab-65c8-476b-b817-bcd2c0b66df4",{"text":923,"type":77},", de gérer des abonnements ou de régler des factures directement, Spendesk offre aux entreprises la flexibilité et le contrôle nécessaires pour gérer leurs méthodes de paiement.",{"type":138,"attrs":925},{"id":926,"body":927},"e304dd43-f5c1-4672-8c75-937a4df378d7",[928],{"_uid":929,"caption":22,"autoplay":28,"component":184,"thumbnail":930,"playerType":186,"onPlayEvent":22,"externalVideo":931,"internalVideo":932,"playButtonText":22},"6b778b24-ad23-4391-8e0a-3809b39f9ef0",[],"https://www.youtube.com/watch?v=dpr6Q4cPThw",{"id":25,"alt":25,"name":22,"focus":25,"title":25,"source":25,"filename":22,"copyright":25,"fieldtype":57,"meta_data":933},{},{"type":155,"attrs":935,"content":936},{"level":157},[937],{"text":938,"type":77,"marks":939},"L'avenir de la gestion des achats est là",[940],{"type":130,"attrs":941},{"color":132},{"type":73,"content":943},[944],{"text":945,"type":77,"marks":946},"À la fin de la présentation, Marine a souligné un message clair : Spendesk Procurement est conçu pour répondre aux besoins évolutifs des PME dans le monde rapide et globalisé d'aujourd'hui. En combinant le meilleur de la gestion des dépenses avec un approvisionnement moderne, les entreprises peuvent désormais avoir un contrôle total de leurs dépenses, du début à la fin. Restez à l’écoute pour plus de mises à jour sur Spendesk Procurement et commencez à repenser dès aujourd'hui votre processus d'approvisionnement.",[947],{"type":130,"attrs":948},{"color":132},{"type":155,"attrs":950,"content":951},{"level":157},[952],{"text":953,"type":77,"marks":954},"Conversation inspirante avec Pauline Déroulède",[955],{"type":130,"attrs":956},{"color":132},{"type":73,"content":958},[959],{"text":960,"type":77,"marks":961},"L'innovation ne se limite pas aux produits, et à Spendesk Connect, nous avons exploré l'importance de la résilience et du leadership. Lors d'une discussion informelle, Rodolphe Ardant, fondateur de Spendesk, s'est entretenu avec la paralympienne Pauline Déroulède pour discuter des leçons que le sport peut apporter au monde de la finance. Pauline a partagé comment la détermination, l'adaptabilité et la persévérance sont essentielles tant dans le sport que dans les affaires, offrant des perspectives inspirantes pour les leaders financiers.",[962],{"type":130,"attrs":963},{"color":132},{"type":138,"attrs":965},{"id":966,"body":967},"59a7abb8-4dc4-4da0-822e-fd24bc1f83af",[968],{"_uid":969,"caption":22,"autoplay":28,"component":184,"thumbnail":970,"playerType":186,"onPlayEvent":22,"externalVideo":971,"internalVideo":972,"playButtonText":22},"c1690344-887d-413d-bf50-bedce81d3432",[],"https://www.youtube.com/watch?v=JcmD3FfNyKU&feature=youtu.be",{"id":25,"alt":25,"name":22,"focus":25,"title":25,"source":25,"filename":22,"copyright":25,"fieldtype":57,"meta_data":973},{},{"type":73,"content":975},[976],{"text":977,"type":77,"marks":978},"Ils ont abordé des thèmes comme la préparation mentale, l’expérience de compétition à Roland-Garros lors des Jeux paralympiques, et son parcours de résilience, tel que décrit dans son livre récemment publié, Im)possible. Son histoire montre comment le bon état d’esprit et une communauté solidaire peuvent nous aider à surmonter les circonstances les plus difficiles.",[979],{"type":130,"attrs":980},{"color":132},{"type":155,"attrs":982,"content":983},{"level":157},[984],{"text":985,"type":77,"marks":986},"Ce qu'il faut retenir",[987],{"type":130,"attrs":988},{"color":132},{"type":73,"content":990},[991],{"text":992,"type":77},"Alors que Spendesk Connect 2024 touche à sa fin, il est évident que nous entrons dans une période de transformation pour la gestion des dépenses et des achats. 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Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":639},{"type":639},{"text":2563,"type":77},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. 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":639},{"type":639},{"text":2567,"type":77},"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":639},{"type":639},{"text":2571,"type":77},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2573,"title":2574,"component":2514,"description":2575},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":70,"content":2576},[2577,2581,2585,2594,2598,2602,2611,2615,2619,2623,2627],{"type":73,"content":2578},[2579],{"text":2580,"type":77},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":73,"content":2582},[2583],{"text":2584,"type":77},"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":73,"content":2586},[2587,2591,2592],{"text":2588,"type":77,"marks":2589},"Pour les employés",[2590],{"type":210},{"type":639},{"text":2593,"type":77},"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":73,"content":2595},[2596],{"text":2597,"type":77},"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":73,"content":2599},[2600],{"text":2601,"type":77},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":73,"content":2603},[2604,2608,2609],{"text":2605,"type":77,"marks":2606},"Pour les équipes financières",[2607],{"type":210},{"type":639},{"text":2610,"type":77},"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":73,"content":2612},[2613],{"text":2614,"type":77},"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":73,"content":2616},[2617],{"text":2618,"type":77},"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":73,"content":2620},[2621],{"text":2622,"type":77},"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":73,"content":2624},[2625],{"text":2626,"type":77},"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":73,"content":2628},[2629],{"text":2630,"type":77},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2632],{"cta":2633,"_uid":2634,"title":2635,"eyebrow":2642,"subtitle":2645,"component":155,"textAlign":22,"sectionSettings":2651,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":22},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":70,"content":2636},[2637],{"type":155,"attrs":2638,"content":2639},{"level":157},[2640],{"text":2641,"type":77},"Démarrer avec Spendesk",{"type":70,"content":2643},[2644],{"type":73},{"type":70,"content":2646},[2647],{"type":73,"content":2648},[2649],{"text":2650,"type":77},"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.",[],"faqSection",[],"Table des matières",[2656,2817,3075,3244],{"name":2657,"created_at":2658,"published_at":2659,"updated_at":2660,"id":2661,"uuid":2662,"content":2663,"slug":2806,"full_slug":2807,"sort_by_date":25,"position":2808,"tag_list":2809,"is_startpage":28,"parent_id":1051,"meta_data":25,"group_id":2810,"first_published_at":2659,"release_id":25,"lang":32,"path":25,"alternates":2811,"default_full_slug":2812,"translated_slugs":2813},"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":2664,"title":2657,"topics":2665,"noIndex":28,"category":2687,"language":2696,"readTime":22,"component":1014,"heroMedia":2697,"publishedAt":2705,"redirectUrl":22,"leadwallForm":2706,"listingImage":2707,"leadwallTitle":22,"metaDescription":2708,"bottomArticleCta":2709,"leadwallSubtitle":22,"isLeadwallEnabled":28,"componentsAfterTheArticle":2710,"leadwallVisibleParagraphs":22},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[2666],{"name":2667,"created_at":2668,"published_at":2669,"updated_at":2670,"id":2671,"uuid":2672,"content":2673,"slug":2675,"full_slug":2676,"sort_by_date":25,"position":2677,"tag_list":2678,"is_startpage":28,"parent_id":113,"meta_data":25,"group_id":2679,"first_published_at":2680,"release_id":25,"lang":32,"path":25,"alternates":2681,"default_full_slug":2682,"translated_slugs":2683,"_stopResolving":41},"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":2674,"name":2667,"component":21},"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",[2684,2685,2686],{"path":2682,"name":25,"lang":32,"published":25},{"path":2682,"name":25,"lang":38,"published":25},{"path":2682,"name":25,"lang":40,"published":25},{"name":1002,"created_at":1003,"published_at":6,"updated_at":1004,"id":1005,"uuid":1006,"content":2688,"slug":1014,"full_slug":1015,"sort_by_date":25,"position":1016,"tag_list":2690,"is_startpage":28,"parent_id":1018,"meta_data":25,"group_id":1019,"first_published_at":1020,"release_id":25,"lang":32,"path":25,"alternates":2691,"default_full_slug":1022,"translated_slugs":2692,"_stopResolving":41},{"_uid":1008,"icon":2689,"name":1002,"component":1013},{"id":1010,"alt":1011,"name":22,"focus":22,"title":22,"filename":1012,"copyright":22,"fieldtype":57,"is_external_url":28},[],[],[2693,2694,2695],{"path":1022,"name":25,"lang":32,"published":25},{"path":1022,"name":25,"lang":38,"published":25},{"path":1022,"name":25,"lang":40,"published":25},[32],[2698],{"_uid":2699,"link":2700,"asset":2701,"caption":22,"component":1036},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":22,"url":22,"linktype":601,"fieldtype":61,"cached_url":2127,"prep":41},{"id":2702,"alt":22,"name":22,"focus":22,"title":22,"source":22,"filename":2703,"copyright":22,"fieldtype":57,"meta_data":2704,"is_external_url":28},236246895659711,"https://a.storyblok.com/f/146026/1248x832/5db30c8d96/budget-tool-compass.png",{},"2026-10-30 00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[2711],{"cta":2712,"_uid":2713,"items":2714,"heading":2781,"reverse":28,"component":2652,"sectionSettings":2805},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[2715,2726,2737,2748,2759,2770],{"_uid":2716,"hide":28,"title":2717,"component":2514,"description":2718},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":70,"attrs":2719,"content":2720},{"backgroundColor":25},[2721],{"type":73,"attrs":2722,"content":2723},{"textAlign":25},[2724],{"text":2725,"type":77},"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":2727,"hide":28,"title":2728,"component":2514,"description":2729},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":70,"attrs":2730,"content":2731},{"backgroundColor":25},[2732],{"type":73,"attrs":2733,"content":2734},{"textAlign":25},[2735],{"text":2736,"type":77},"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":2738,"hide":28,"title":2739,"component":2514,"description":2740},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":70,"attrs":2741,"content":2742},{"backgroundColor":25},[2743],{"type":73,"attrs":2744,"content":2745},{"textAlign":25},[2746],{"text":2747,"type":77},"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":2749,"hide":28,"title":2750,"component":2514,"description":2751},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":70,"attrs":2752,"content":2753},{"backgroundColor":25},[2754],{"type":73,"attrs":2755,"content":2756},{"textAlign":25},[2757],{"text":2758,"type":77},"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":2760,"hide":28,"title":2761,"component":2514,"description":2762},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":70,"attrs":2763,"content":2764},{"backgroundColor":25},[2765],{"type":73,"attrs":2766,"content":2767},{"textAlign":25},[2768],{"text":2769,"type":77},"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":2771,"hide":28,"title":2772,"component":2514,"description":2773},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":70,"attrs":2774,"content":2775},{"backgroundColor":25},[2776],{"type":73,"attrs":2777,"content":2778},{"textAlign":25},[2779],{"text":2780,"type":77},"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.",[2782],{"cta":2783,"_uid":2784,"title":2785,"layout":22,"eyebrow":2793,"subtitle":2800,"component":155,"textAlign":22,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":2803,"sectionSettings":2804,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":22},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":70,"attrs":2786,"content":2787},{"backgroundColor":25},[2788],{"type":155,"attrs":2789,"content":2790},{"level":157,"textAlign":25},[2791],{"text":2792,"type":77},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":70,"attrs":2794,"content":2795},{"backgroundColor":25},[2796],{"type":73,"attrs":2797,"content":2798},{"textAlign":25},[2799],{"text":1359,"type":77},{"type":70,"content":2801},[2802],{"type":73},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2814,2815,2816],{"path":2812,"name":25,"lang":32,"published":25},{"path":2812,"name":25,"lang":38,"published":25},{"path":2812,"name":25,"lang":40,"published":25},{"name":2818,"created_at":2819,"published_at":2820,"updated_at":2821,"id":2822,"uuid":2823,"content":2824,"slug":3064,"full_slug":3065,"sort_by_date":25,"position":3066,"tag_list":3067,"is_startpage":28,"parent_id":1051,"meta_data":25,"group_id":3068,"first_published_at":2820,"release_id":25,"lang":32,"path":25,"alternates":3069,"default_full_slug":3070,"translated_slugs":3071},"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":2825,"title":2818,"topics":2826,"noIndex":28,"category":2848,"language":2857,"component":1014,"heroMedia":2858,"publishedAt":2867,"redirectUrl":22,"leadwallForm":2868,"listingImage":2869,"leadwallTitle":22,"metaDescription":2870,"bottomArticleCta":2871,"leadwallSubtitle":22,"isLeadwallEnabled":28,"componentsAfterTheArticle":2872,"leadwallVisibleParagraphs":22},"1d8195b6-b1f6-48b9-8c6a-ace9b04afb7b",[2827],{"name":2828,"created_at":2829,"published_at":2830,"updated_at":2831,"id":2832,"uuid":2833,"content":2834,"slug":2836,"full_slug":2837,"sort_by_date":25,"position":2838,"tag_list":2839,"is_startpage":28,"parent_id":113,"meta_data":25,"group_id":2840,"first_published_at":2841,"release_id":25,"lang":32,"path":25,"alternates":2842,"default_full_slug":2843,"translated_slugs":2844,"_stopResolving":41},"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",{"_uid":2835,"name":2828,"component":21},"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",[2845,2846,2847],{"path":2843,"name":25,"lang":32,"published":25},{"path":2843,"name":25,"lang":38,"published":25},{"path":2843,"name":25,"lang":40,"published":25},{"name":1002,"created_at":1003,"published_at":6,"updated_at":1004,"id":1005,"uuid":1006,"content":2849,"slug":1014,"full_slug":1015,"sort_by_date":25,"position":1016,"tag_list":2851,"is_startpage":28,"parent_id":1018,"meta_data":25,"group_id":1019,"first_published_at":1020,"release_id":25,"lang":32,"path":25,"alternates":2852,"default_full_slug":1022,"translated_slugs":2853,"_stopResolving":41},{"_uid":1008,"icon":2850,"name":1002,"component":1013},{"id":1010,"alt":1011,"name":22,"focus":22,"title":22,"filename":1012,"copyright":22,"fieldtype":57,"is_external_url":28},[],[],[2854,2855,2856],{"path":1022,"name":25,"lang":32,"published":25},{"path":1022,"name":25,"lang":38,"published":25},{"path":1022,"name":25,"lang":40,"published":25},[32],[2859],{"_uid":2860,"link":2861,"asset":2862,"caption":22,"component":1036},"0e9f7d77-d62a-4c57-aa52-662d3c7ddd7b",{"id":22,"url":22,"linktype":601,"fieldtype":61,"cached_url":2127,"prep":41},{"id":2863,"alt":22,"name":22,"focus":22,"title":22,"source":22,"filename":2864,"copyright":22,"fieldtype":57,"meta_data":2865,"is_external_url":28},231680153622674,"https://a.storyblok.com/f/146026/1248x832/29bee620a5/delais-de-paiement-fournisseurs-en-france-regles-echeances-et-bonnes-pratiques.png",{"size":2866},"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.",[],[2873],{"cta":2874,"_uid":2875,"items":2876,"heading":3039,"reverse":28,"component":2652,"sectionSettings":3063},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2877,2897,2925,2947,2962],{"_uid":2878,"hide":28,"title":2879,"component":2514,"description":2880},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":70,"attrs":2881,"content":2882},{"backgroundColor":25},[2883,2892],{"type":73,"attrs":2884,"content":2885},{"textAlign":25},[2886,2890],{"text":2887,"type":77,"marks":2888},"Dans le régime général, non.",[2889],{"type":210},{"text":2891,"type":77}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":73,"attrs":2893,"content":2894},{"textAlign":25},[2895],{"text":2896,"type":77},"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":2898,"hide":28,"title":2899,"component":2514,"description":2900},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":70,"attrs":2901,"content":2902},{"backgroundColor":25},[2903,2914],{"type":73,"attrs":2904,"content":2905},{"textAlign":25},[2906,2908,2912],{"text":2907,"type":77},"Une facture périodique doit être réglée au plus tard ",{"text":2909,"type":77,"marks":2910},"45 jours après sa date d’émission",[2911],{"type":210},{"text":2913,"type":77},", sans report en fin de mois.",{"type":73,"attrs":2915,"content":2916},{"textAlign":25},[2917,2919,2923],{"text":2918,"type":77},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2920,"type":77,"marks":2921},"15 décembre 2026",[2922],{"type":210},{"text":2924,"type":77},".",{"_uid":2926,"hide":28,"title":2927,"component":2514,"description":2928},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":70,"attrs":2929,"content":2930},{"backgroundColor":25},[2931,2942],{"type":73,"attrs":2932,"content":2933},{"textAlign":25},[2934,2936,2940],{"text":2935,"type":77},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":2937,"type":77,"marks":2938},"50 jours en 2024",[2939],{"type":210},{"text":2941,"type":77},", hors microentreprises.",{"type":73,"attrs":2943,"content":2944},{"textAlign":25},[2945],{"text":2946,"type":77},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":2948,"hide":28,"title":2949,"component":2514,"description":2950},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":70,"attrs":2951,"content":2952},{"backgroundColor":25},[2953],{"type":73,"attrs":2954,"content":2955},{"textAlign":25},[2956,2960],{"text":2957,"type":77,"marks":2958},"Elle change le circuit de traitement, mais pas les délais légaux.",[2959],{"type":210},{"text":2961,"type":77}," 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":2963,"hide":28,"title":2964,"component":2514,"description":2965},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":70,"attrs":2966,"content":2967},{"backgroundColor":25},[2968,2978,2988,2993,3000,3005,3028],{"type":73,"attrs":2969,"content":2970},{"textAlign":25},[2971,2973,2977],{"text":2972,"type":77},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit ",{"text":2974,"type":77,"marks":2975},"12,40 % au second semestre 2026",[2976],{"type":210},{"text":2924,"type":77},{"type":73,"attrs":2979,"content":2980},{"textAlign":25},[2981,2983,2987],{"text":2982,"type":77},"À cela s’ajoute l’indemnité forfaitaire de ",{"text":2984,"type":77,"marks":2985},"40 € par facture",[2986],{"type":210},{"text":2924,"type":77},{"type":73,"attrs":2989,"content":2990},{"textAlign":25},[2991],{"text":2992,"type":77},"Pour une facture de 5 000 € TTC réglée avec 45 jours de retard :",{"type":73,"attrs":2994,"content":2995},{"textAlign":25},[2996],{"text":2997,"type":77,"marks":2998},"5 000 × 12,40 % × 45 / 365 = 76,44 €",[2999],{"type":210},{"type":73,"attrs":3001,"content":3002},{"textAlign":25},[3003],{"text":3004,"type":77},"Il faut donc ajouter :",{"type":199,"content":3006},[3007,3018],{"type":202,"content":3008},[3009],{"type":73,"attrs":3010,"content":3011},{"textAlign":25},[3012,3016],{"text":3013,"type":77,"marks":3014},"76,44 € de pénalités de retard",[3015],{"type":210},{"text":3017,"type":77}," ;",{"type":202,"content":3019},[3020],{"type":73,"attrs":3021,"content":3022},{"textAlign":25},[3023,3027],{"text":3024,"type":77,"marks":3025},"40 € d’indemnité forfaitaire",[3026],{"type":210},{"text":2924,"type":77},{"type":73,"attrs":3029,"content":3030},{"textAlign":25},[3031,3033,3037],{"text":3032,"type":77},"Soit ",{"text":3034,"type":77,"marks":3035},"116,44 € au total",[3036],{"type":210},{"text":3038,"type":77},", hors éventuels frais complémentaires de recouvrement.",[3040],{"cta":3041,"_uid":3042,"title":3043,"layout":22,"eyebrow":3051,"subtitle":3058,"component":155,"textAlign":22,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3061,"sectionSettings":3062,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":22},[],"5c4637c5-74fc-4bcc-96e4-c9a42c18fd0f",{"type":70,"attrs":3044,"content":3045},{"backgroundColor":25},[3046],{"type":155,"attrs":3047,"content":3048},{"level":157,"textAlign":25},[3049],{"text":3050,"type":77},"Questions fréquentes sur les délais de paiement 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[3116],{"cta":3117,"_uid":3118,"items":3119,"heading":3208,"reverse":28,"component":2652,"sectionSettings":3232},[],"d1adf0be-b475-4141-be84-e6809c10956b",[3120,3135,3149,3164,3179,3193],{"_uid":3121,"hide":28,"title":3122,"component":2514,"description":3123},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":70,"attrs":3124,"content":3125},{"backgroundColor":25},[3126],{"type":73,"attrs":3127,"content":3128},{"textAlign":25},[3129,3133],{"text":3130,"type":77,"marks":3131},"Non.",[3132],{"type":210},{"text":3134,"type":77}," 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":3136,"hide":28,"title":3137,"component":2514,"description":3138},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":70,"attrs":3139,"content":3140},{"backgroundColor":25},[3141],{"type":73,"attrs":3142,"content":3143},{"textAlign":25},[3144,3147],{"text":3130,"type":77,"marks":3145},[3146],{"type":210},{"text":3148,"type":77}," 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":3150,"hide":28,"title":3151,"component":2514,"description":3152},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":70,"attrs":3153,"content":3154},{"backgroundColor":25},[3155],{"type":73,"attrs":3156,"content":3157},{"textAlign":25},[3158,3162],{"text":3159,"type":77,"marks":3160},"Oui.",[3161],{"type":210},{"text":3163,"type":77}," 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":3165,"hide":28,"title":3166,"component":2514,"description":3167},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":70,"attrs":3168,"content":3169},{"backgroundColor":25},[3170],{"type":73,"attrs":3171,"content":3172},{"textAlign":25},[3173,3177],{"text":3174,"type":77,"marks":3175},"Oui, dès lors qu’elle est assujettie à la TVA",[3176],{"type":210},{"text":3178,"type":77},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":3180,"hide":28,"title":3181,"component":2514,"description":3182},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":70,"attrs":3183,"content":3184},{"backgroundColor":25},[3185],{"type":73,"attrs":3186,"content":3187},{"textAlign":25},[3188,3191],{"text":3159,"type":77,"marks":3189},[3190],{"type":210},{"text":3192,"type":77}," 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":3194,"hide":28,"title":3195,"component":2514,"description":3196},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":70,"attrs":3197,"content":3198},{"backgroundColor":25},[3199],{"type":73,"attrs":3200,"content":3201},{"textAlign":25},[3202,3206],{"text":3203,"type":77,"marks":3204},"Non, sauf s’il est lui-même agréé.",[3205],{"type":210},{"text":3207,"type":77}," 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.",[3209],{"cta":3210,"_uid":3211,"title":3212,"layout":22,"eyebrow":3220,"subtitle":3227,"component":155,"textAlign":22,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3230,"sectionSettings":3231,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":22},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":70,"attrs":3213,"content":3214},{"backgroundColor":25},[3215],{"type":155,"attrs":3216,"content":3217},{"level":157,"textAlign":25},[3218],{"text":3219,"type":77},"Questions fréquentes sur la facturation électronique des 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?","2026-10-17T15:03:55.552Z","2026-10-17T15:18:53.338Z","2026-10-17T15:18:53.372Z",231669086457710,"0a3aad07-f730-4ab0-824c-749a7ec0a994",{"_uid":3252,"title":3245,"topics":3253,"noIndex":28,"category":3275,"language":3284,"component":1014,"heroMedia":3285,"publishedAt":2867,"redirectUrl":22,"leadwallForm":3293,"listingImage":3294,"leadwallTitle":22,"metaDescription":3295,"bottomArticleCta":3296,"leadwallSubtitle":22,"isLeadwallEnabled":28,"componentsAfterTheArticle":3297,"leadwallVisibleParagraphs":22},"c8c979e9-9a1a-4a82-8c7b-260431270686",[3254],{"name":3255,"created_at":3256,"published_at":3257,"updated_at":3258,"id":3259,"uuid":3260,"content":3261,"slug":3263,"full_slug":3264,"sort_by_date":25,"position":3265,"tag_list":3266,"is_startpage":28,"parent_id":113,"meta_data":25,"group_id":3267,"first_published_at":3268,"release_id":25,"lang":32,"path":25,"alternates":3269,"default_full_slug":3270,"translated_slugs":3271,"_stopResolving":41},"Carte de 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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.",[],[3298],{"cta":3299,"_uid":3300,"items":3301,"heading":3377,"reverse":28,"component":2652,"sectionSettings":3401},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[3302,3317,3331,3348,3363],{"_uid":3303,"hide":28,"title":3304,"component":2514,"description":3305},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":70,"attrs":3306,"content":3307},{"backgroundColor":25},[3308],{"type":73,"attrs":3309,"content":3310},{"textAlign":25},[3311,3315],{"text":3312,"type":77,"marks":3313},"Oui, par l’intermédiaire du prestataire de paiement.",[3314],{"type":210},{"text":3316,"type":77}," 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":3318,"hide":28,"title":3319,"component":2514,"description":3320},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":70,"attrs":3321,"content":3322},{"backgroundColor":25},[3323],{"type":73,"attrs":3324,"content":3325},{"textAlign":25},[3326,3329],{"text":3159,"type":77,"marks":3327},[3328],{"type":210},{"text":3330,"type":77}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":3332,"hide":28,"title":3333,"component":2514,"description":3334},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":70,"attrs":3335,"content":3336},{"backgroundColor":25},[3337],{"type":73,"attrs":3338,"content":3339},{"textAlign":25},[3340,3342,3346],{"text":3341,"type":77},"Il faut au minimum ",{"text":3343,"type":77,"marks":3344},"un compte marchand auprès d’un prestataire compatible",[3345],{"type":210},{"text":3347,"type":77},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":3349,"hide":28,"title":3350,"component":2514,"description":3351},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":70,"attrs":3352,"content":3353},{"backgroundColor":25},[3354],{"type":73,"attrs":3355,"content":3356},{"textAlign":25},[3357,3361],{"text":3358,"type":77,"marks":3359},"Oui, si son émetteur l’autorise.",[3360],{"type":210},{"text":3362,"type":77}," 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":3364,"hide":28,"title":3365,"component":2514,"description":3366},"5740f50b-3e71-4739-b292-d8deffbaf70c","Apple Pay remplace-t-il le justificatif d’une dépense professionnelle ?",{"type":70,"attrs":3367,"content":3368},{"backgroundColor":25},[3369],{"type":73,"attrs":3370,"content":3371},{"textAlign":25},[3372,3375],{"text":3130,"type":77,"marks":3373},[3374],{"type":210},{"text":3376,"type":77}," 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.",[3378],{"cta":3379,"_uid":3380,"title":3381,"layout":22,"eyebrow":3389,"subtitle":3396,"component":155,"textAlign":22,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":3399,"sectionSettings":3400,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":22},[],"0d4bf8af-b587-46cb-8d4e-2a371dde9c46",{"type":70,"attrs":3382,"content":3383},{"backgroundColor":25},[3384],{"type":155,"attrs":3385,"content":3386},{"level":157,"textAlign":25},[3387],{"text":3388,"type":77},"Questions fréquentes sur Apple Pay et Tap to Pay sur iPhone",{"type":70,"attrs":3390,"content":3391},{"backgroundColor":25},[3392],{"type":73,"attrs":3393,"content":3394},{"textAlign":25},[3395],{"text":1359,"type":77},{"type":70,"content":3397},[3398],{"type":73},[],[],[],"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",[3410,3411,3412],{"path":3408,"name":25,"lang":32,"published":25},{"path":3408,"name":25,"lang":38,"published":25},{"path":3408,"name":25,"lang":40,"published":25},1793991565801]