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Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et américains.","text","laurence-kermorgant","fr/blog/author/laurence-kermorgant",null,-860,[],176408854,"ea6e443c-29db-4708-b9a6-5239d19881b7","2022-11-02T15:25:44.771Z","fr",[],"blog/author/laurence-kermorgant",[63,64,66],{"path":61,"name":53,"lang":59,"published":53},{"path":61,"name":53,"lang":65,"published":53},"de",{"path":61,"name":53,"lang":67,"published":53},"es",true,[70,101,128],{"name":71,"created_at":72,"published_at":73,"updated_at":74,"id":75,"uuid":76,"content":77,"slug":88,"full_slug":89,"sort_by_date":53,"position":90,"tag_list":91,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":93,"first_published_at":94,"release_id":53,"lang":59,"path":53,"alternates":95,"default_full_slug":96,"translated_slugs":97,"_stopResolving":68},"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",{"seo":78,"_uid":86,"name":71,"component":87},[79],{"_uid":80,"noIndex":30,"component":81,"metaFields":82},"003e6fa5-f394-4f34-9194-17a60fb3b7c7","seo",{"_uid":83,"plugin":84,"description":85},"2934225d-3f1b-4f90-b7af-65d9bdf88844","meta-fields","Comptabilite et finance d'entreprise : rapprochements, clotures et comment simplifier le lien entre depenses et comptabilite.","1dc6497e-1135-45e9-a2c6-426facc382ba","tag","comptabilite","fr/blog/topic/comptabilite",-50,[],176456153,"0cd4ad6e-957d-466c-ad0c-f730e74c8b7a","2022-11-02T15:24:55.833Z",[],"blog/topic/comptabilite",[98,99,100],{"path":96,"name":53,"lang":59,"published":53},{"path":96,"name":53,"lang":65,"published":53},{"path":96,"name":53,"lang":67,"published":53},{"name":102,"created_at":103,"published_at":104,"updated_at":105,"id":106,"uuid":107,"content":108,"slug":116,"full_slug":117,"sort_by_date":53,"position":118,"tag_list":119,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":120,"first_published_at":121,"release_id":53,"lang":59,"path":53,"alternates":122,"default_full_slug":123,"translated_slugs":124,"_stopResolving":68},"Carte de paiement","2022-10-19T17:57:52.020Z","2026-09-29T09:14:34.633Z","2026-09-29T09:14:34.653Z",206171410,"38062cad-91f4-4753-8d76-3407e615ca0b",{"seo":109,"_uid":115,"name":102,"component":87},[110],{"_uid":111,"noIndex":30,"component":81,"metaFields":112},"11adb996-d51b-4c65-970d-d95dc07b5257",{"_uid":113,"plugin":84,"description":114},"29b68154-43fa-44d2-b134-4b39fb2ff94e","Cartes de paiement en entreprise : cartes physiques, virtuelles et a usage unique, et comment elles simplifient les depenses des equipes.","a7b37bf3-5914-400c-8298-e6f44912165c","carte-de-paiement","fr/blog/topic/carte-de-paiement",-140,[],"7b9ab684-1d4a-45d8-b449-fb3a9869a53e","2022-11-02T15:24:52.809Z",[],"blog/topic/carte-de-paiement",[125,126,127],{"path":123,"name":53,"lang":59,"published":53},{"path":123,"name":53,"lang":65,"published":53},{"path":123,"name":53,"lang":67,"published":53},{"name":129,"created_at":130,"published_at":131,"updated_at":132,"id":133,"uuid":134,"content":135,"slug":143,"full_slug":144,"sort_by_date":53,"position":145,"tag_list":146,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":147,"first_published_at":148,"release_id":53,"lang":59,"path":53,"alternates":149,"default_full_slug":150,"translated_slugs":151,"_stopResolving":68},"Sécurité","2022-10-19T17:57:59.313Z","2026-09-29T09:14:47.352Z","2026-09-29T09:14:47.369Z",206171441,"54876a64-237d-4685-bf9e-2fa75bd5562a",{"seo":136,"_uid":142,"name":129,"component":87},[137],{"_uid":138,"noIndex":30,"component":81,"metaFields":139},"8b5e79bf-9726-481c-bd7f-64a471c347d0",{"_uid":140,"plugin":84,"description":141},"7afae107-3363-4382-9daa-7ed4056b4aff","Securite des paiements d'entreprise : prevention de la fraude, controle des cartes et bonnes pratiques pour proteger les depenses.","9f96a86a-1fce-4768-9397-589aa83520ed","securite","fr/blog/topic/securite",-450,[],"1a51b2af-27a0-4b04-8274-ed80d992ab9a","2022-11-02T15:24:42.431Z",[],"blog/topic/securite",[152,153,154],{"path":150,"name":53,"lang":59,"published":53},{"path":150,"name":53,"lang":65,"published":53},{"path":150,"name":53,"lang":67,"published":53},{"type":43,"content":156},[157,161,172,179,189,195,205,215,231,243,248,258,284,289,293,349,354,364,384,394,399,409,415,425,445,450,459,473,486,491,501,506,516,521,531,536,546,551,584,602,607,638,643,652,657,667,672,688,693,715,720,730,735,745,765,775,780,790,795,811,816,826,831,841,846,856,861,871,889,905,949,957,962,972,977,995,1000,1019,1024,1048,1053,1063,1068,1085,1090],{"type":46,"content":158},[159],{"text":160,"type":50},"Les directions financières d’entreprise sont confrontées à des tentatives de fraude au paiement fournisseur de plus en plus fréquentes. Ce contexte exige d’organiser des règlements en toute sécurité pour tous les achats. Voici un état des lieux complet de ce que vous devez connaître sur le sujet.",{"type":46,"content":162},[163,165,170],{"text":164,"type":50},"Que recouvre la sécurisation des moyens de paiement en France ? Comment la mettre en œuvre et comment lutter contre la fraude dans votre entreprise ? Quelles sont les particularités d’un ",{"text":166,"type":50,"marks":167},"paiement sécurisé",[168],{"type":169},"bold",{"text":171,"type":50}," en ligne ? Spendesk répond à toutes ces questions et vous explique l’organisation du processus sur sa propre plateforme.",{"type":173,"attrs":174,"content":176},"heading",{"level":175},2,[177],{"text":178,"type":50},"Sécurité des moyens de paiement selon la Banque de France",{"type":46,"content":180},[181,183,187],{"text":182,"type":50},"La Banque de France émet des recommandations aux entreprises et particuliers en matière de règlements ",{"text":184,"type":50,"marks":185},"sécurisés",[186],{"type":169},{"text":188,"type":50},". Nous vous suggérons de lire la publication du 14 décembre 2018 « chapitre 3 - La sécurité des moyens de paiement ». Voici les éléments importants à connaître dans ce document.",{"type":173,"attrs":190,"content":192},{"level":191},3,[193],{"text":194,"type":50},"Enjeu de la sécurisation : lutter contre la fraude",{"type":46,"content":196},[197,199,203],{"text":198,"type":50},"La fraude se complexifie et exige la mise en œuvre de moyens toujours plus poussés pour la contrecarrer. La ",{"text":200,"type":50,"marks":201},"sécurité du secteur des paiements",[202],{"type":169},{"text":204,"type":50}," constitue un enjeu stratégique pour la Banque de France. La fraude entache la confiance des utilisateurs et fragilise les activités professionnelles.",{"type":46,"content":206},[207,209,213],{"text":208,"type":50},"La ",{"text":210,"type":50,"marks":211},"sécurisation",[212],{"type":169},{"text":214,"type":50}," s’impose dans ce contexte avec pour objectif de :",{"type":216,"content":217},"bullet_list",[218,225],{"type":219,"content":220},"list_item",[221],{"type":46,"content":222},[223],{"text":224,"type":50},"réduire le risque de détournement d’argent (fraude immédiate) ;",{"type":219,"content":226},[227],{"type":46,"content":228},[229],{"text":230,"type":50},"éviter la captation des informations bancaires de l’utilisateur (fraude future).",{"type":173,"attrs":232,"content":233},{"level":191},[234],{"type":235,"attrs":236},"blok",{"id":237,"body":238},"83d7ad71-e8ce-4994-bd59-c150175766f0",[239],{"_uid":240,"html":241,"component":242},"551a2de2-6fa5-4e44-b1bc-b0b680d0492f","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-250a6647-ebf5-4c94-9537-50a87a788834\">\u003Cspan class=\"hs-cta-node hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\" id=\"hs-cta-250a6647-ebf5-4c94-9537-50a87a788834\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/250a6647-ebf5-4c94-9537-50a87a788834\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-250a6647-ebf5-4c94-9537-50a87a788834\" style=\"border-width:0px;\" height=\"630\" width=\"1200\" src=\"https://no-cache.hubspot.com/cta/default/2694209/250a6647-ebf5-4c94-9537-50a87a788834.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '250a6647-ebf5-4c94-9537-50a87a788834', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":173,"attrs":244,"content":245},{"level":191},[246],{"text":247,"type":50},"Typologies de fraude aux moyens de paiement",{"type":46,"content":249},[250,252,256],{"text":251,"type":50},"Les fraudeurs innovent tout le temps et la sécurisation des moyens de règlement doit s’adapter en permanence. Ainsi, la Banque de France identifie ",{"text":253,"type":50,"marks":254},"quatre types de fraudes",[255],{"type":169},{"text":257,"type":50}," :",{"type":216,"content":259},[260,266,272,278],{"type":219,"content":261},[262],{"type":46,"content":263},[264],{"text":265,"type":50},"réalisation d’un faux ordre de paiement (par détournement d’informations bancaires par exemple) ;",{"type":219,"content":267},[268],{"type":46,"content":269},[270],{"text":271,"type":50},"falsification d’un moyen de règlement (comme un chèque modifié en montant ou au niveau du nom du bénéficiaire) ;",{"type":219,"content":273},[274],{"type":46,"content":275},[276],{"text":277,"type":50},"détournement du moyen de paiement (donc sans falsification) ;",{"type":219,"content":279},[280],{"type":46,"content":281},[282],{"text":283,"type":50},"contestation abusive d’un règlement pourtant régulièrement émis.",{"type":173,"attrs":285,"content":286},{"level":191},[287],{"text":288,"type":50},"Techniques utilisées pour frauder",{"type":46,"content":290},[291],{"text":292,"type":50},"Le développement des moyens de règlement électronique voit progresser la fraude sur ces instruments. Sont particulièrement à surveiller :",{"type":216,"content":294},[295,307,326,338],{"type":219,"content":296},[297],{"type":46,"content":298},[299,301,305],{"text":300,"type":50},"Les conversations téléphoniques, les mails et fax qui peuvent conduire des fraudeurs à ",{"text":302,"type":50,"marks":303},"enregistrer des données bancaires lors d’opérations manuelles",[304],{"type":169},{"text":306,"type":50},", en vue de les utiliser plus tard.",{"type":219,"content":308},[309],{"type":46,"content":310},[311,313,317,319,324],{"text":312,"type":50},"Les ",{"text":314,"type":50,"marks":315},"pratiques d’hameçonnage",[316],{"type":169},{"text":318,"type":50}," sur Internet (ou de ",{"text":320,"type":50,"marks":321},"phising",[322],{"type":323},"italic",{"text":325,"type":50},") qui consistent à récupérer des informations personnelles de cartes voire les modes d’authentification comme les numéros de téléphones portables.",{"type":219,"content":327},[328],{"type":46,"content":329},[330,332,336],{"text":331,"type":50},"Les attaques de ",{"text":333,"type":50,"marks":334},"terminaux de paiement ou de retrait d’argent",[335],{"type":169},{"text":337,"type":50}," par exemple afin de récupérer des données bancaires.",{"type":219,"content":339},[340],{"type":46,"content":341},[342,343,347],{"text":312,"type":50},{"text":344,"type":50,"marks":345},"attaques par des logiciels du type malwares",[346],{"type":169},{"text":348,"type":50}," des systèmes d’information, ordinateurs ou smartphones ainsi que des serveurs et bases de données des prestataires qui gèrent les services de paiement.",{"type":173,"attrs":350,"content":351},{"level":191},[352],{"text":353,"type":50},"Rôle de l’OSMP (Observatoire de la sécurité des moyens de paiement)",{"type":46,"content":355},[356,358,362],{"text":357,"type":50},"Le Code monétaire et financier prévoit en France que la Banque de France assure la surveillance des moyens de paiement scripturaux et des titres de paiement dématérialisés. Elle s’appuie pour cette mission sur l’OSMP, l’",{"text":359,"type":50,"marks":360},"observatoire de la sécurité des moyens de paiement",[361],{"type":169},{"text":363,"type":50},". Son objectif est triple :",{"type":216,"content":365},[366,372,378],{"type":219,"content":367},[368],{"type":46,"content":369},[370],{"text":371,"type":50},"suivre le déploiement des mesures qui visent à renforcer la sécurité des moyens de règlement ;",{"type":219,"content":373},[374],{"type":46,"content":375},[376],{"text":377,"type":50},"quantifier la fraude sur le plan statistique ;",{"type":219,"content":379},[380],{"type":46,"content":381},[382],{"text":383,"type":50},"réaliser une veille technologique pour améliorer la sécurisation des règlements scripturaux.",{"type":46,"content":385},[386,388,392],{"text":387,"type":50},"La Banque de France cherche à rassurer le public en matière de moyens de paiement. Elle analyse les risques et produit ",{"text":389,"type":50,"marks":390},"des référentiels de sécurité",[391],{"type":169},{"text":393,"type":50},". Elle peut recommander à un émetteur de moyen de paiement d’amplifier la sécurisation si nécessaire.",{"type":173,"attrs":395,"content":396},{"level":191},[397],{"text":398,"type":50},"Les autres moyens de lutter contre la fraude aux règlements",{"type":46,"content":400},[401,403,407],{"text":402,"type":50},"À côté des actions de la Banque de France et de l’OSMP, on peut citer les ",{"text":404,"type":50,"marks":405},"forces de police",[406],{"type":169},{"text":408,"type":50}," judiciaire, de la gendarmerie ou de services spécialisés de la police nationale. Détaillons aussi les actions du GIE Cartes Bancaires et les directives qui émanent de l’Union européenne.",{"type":173,"attrs":410,"content":412},{"level":411},4,[413],{"text":414,"type":50},"Rôle du GIE Cartes Bancaires",{"type":46,"content":416},[417,419,423],{"text":418,"type":50},"Ce GIE créé par le secteur bancaire en 1984 occupe une ",{"text":420,"type":50,"marks":421},"place centrale dans la lutte contre la fraude",[422],{"type":169},{"text":424,"type":50}," sur le plan opérationnel. Notons par exemple les missions suivantes :",{"type":216,"content":426},[427,433,439],{"type":219,"content":428},[429],{"type":46,"content":430},[431],{"text":432,"type":50},"déploiement d’outils afin d’identifier les fraudes ;",{"type":219,"content":434},[435],{"type":46,"content":436},[437],{"text":438,"type":50},"collaboration avec les forces de l’ordre notamment en cas d’enquêtes ;",{"type":219,"content":440},[441],{"type":46,"content":442},[443],{"text":444,"type":50},"évaluation permanente du réseau CB (terminaux de paiement, cartes ou réseaux) et certification des matériels autorisés.",{"type":173,"attrs":446,"content":447},{"level":411},[448],{"text":449,"type":50},"b - Directive sur les services de paiement DSP3 : authentification forte du payeur",{"type":46,"content":451},[452,454,458],{"text":453,"type":50},"Cette seconde directive date de 2015 et est entrée en application en janvier 2018. Elle renforce notamment la sécurité exigée auprès des différents acteurs en matière de règlement. On y relève en particulier la ",{"text":455,"type":50,"marks":456},"notion d’authentification forte",[457],{"type":169},{"text":257,"type":50},{"type":216,"content":460},[461,467],{"type":219,"content":462},[463],{"type":46,"content":464},[465],{"text":466,"type":50},"du titulaire d’un compte en cas d’accès en ligne pour une action risquée comme la création d’un nouveau bénéficiaire de virement ;",{"type":219,"content":468},[469],{"type":46,"content":470},[471],{"text":472,"type":50},"du payeur qui souhaite déclencher un règlement sous forme électronique.",{"type":46,"content":474},[475,477,484],{"text":476,"type":50},"On observe dorénavant une nouvelle norme en travail, ",{"text":478,"type":50,"marks":479},"DSP3",[480],{"type":481,"attrs":482},"link",{"href":483,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.adyen.com/fr_FR/ressources/dsp3",{"text":485,"type":50},", prévue prévue pour entrer en vigueur d'ici 2025/2026.",{"type":173,"attrs":487,"content":488},{"level":175},[489],{"text":490,"type":50},"Sécurisation d’un paiement fournisseur en entreprise",{"type":46,"content":492},[493,495,499],{"text":494,"type":50},"En tant qu’acteur économique, l’entreprise doit mettre en œuvre les dispositions recommandées pour assurer la sécurisation de ses règlements fournisseurs et salariés. Pour garantir ces opérations, plusieurs actions sont à mener, ",{"text":496,"type":50,"marks":497},"y compris en amont du règlement",[498],{"type":169},{"text":500,"type":50}," à proprement parler.",{"type":173,"attrs":502,"content":503},{"level":191},[504],{"text":505,"type":50},"Sécurisation des moyens de paiement : qui est responsable ?",{"type":46,"content":507},[508,510,514],{"text":509,"type":50},"Le trésorier de l’entreprise s’assure que les processus de paiement fonctionnent correctement. En l’absence de trésorier, c’est le DAF qui assume cette responsabilité. Quel que soit le mode de règlement utilisé, mais aussi pour chaque étape en amont, bon à payer et mise en paiement, la vigilance reste de mise. ",{"text":511,"type":50,"marks":512},"L’objectif du paiement sécurisé",[513],{"type":169},{"text":515,"type":50}," consiste pour un acheteur à régler chaque achat, bien ou service, dûment justifié et au bon fournisseur.",{"type":173,"attrs":517,"content":518},{"level":191},[519],{"text":520,"type":50},"Les étapes de contrôle avant émission d’un règlement",{"type":46,"content":522},[523,525,529],{"text":524,"type":50},"N’oubliez jamais que la sécurisation du règlement démarre bien en amont de la transaction financière par virement, prélèvement, chèque ou par carte bancaire. La limitation de la fraude fournisseur exige notamment de ",{"text":526,"type":50,"marks":527},"sécuriser l’opération d’achat",[528],{"type":169},{"text":530,"type":50}," dès la commande du produit ou de la prestation de service.",{"type":173,"attrs":532,"content":533},{"level":411},[534],{"text":535,"type":50},"La sécurisation et le contrôle des informations fournisseurs",{"type":46,"content":537},[538,540,544],{"text":539,"type":50},"La fraude au RIB devient fréquente. Elle pousse les services financiers à mettre en place des ",{"text":541,"type":50,"marks":542},"processus de vérification des RIB",[543],{"type":169},{"text":545,"type":50}," à la création des comptes de tiers comme ensuite de façon périodique. Il s’agit bien de faire la chasse aux faux fournisseurs.",{"type":173,"attrs":547,"content":548},{"level":411},[549],{"text":550,"type":50},"Le contrôle de la dépense à engager avant paiement",{"type":46,"content":552},[553,555,570,572,576,578,582],{"text":554,"type":50},"Avant d’émettre un règlement, le rapprochement de la facture avec le ",{"text":556,"type":50,"marks":557},"bon de commande",[558],{"type":481,"attrs":559},{"href":560,"uuid":561,"anchor":53,"target":562,"linktype":563,"story":564},"/fr/glossaire/bon-de-commande","ea128984-5ef9-4333-9088-484233a5ee9a","_self","story",{"name":565,"id":566,"uuid":561,"slug":567,"url":568,"full_slug":569,"_stopResolving":68},"Bon de commande",171820964,"bon-de-commande","glossary/bon-de-commande","fr/glossaire/bon-de-commande",{"text":571,"type":50}," voire le contrat d’achat permet de la vérifier et de l’approuver. C’est le rôle du ",{"text":573,"type":50,"marks":574},"bon à payer",[575],{"type":169},{"text":577,"type":50},". Les systèmes informatiques qui gèrent le processus d’achat de façon dématérialisée comportent des ",{"text":579,"type":50,"marks":580},"workflows",[581],{"type":323},{"text":583,"type":50}," afin de tracer ces contrôles et accords.",{"type":46,"content":585},[586,588,592,594,600],{"text":587,"type":50},"En cas de ",{"text":589,"type":50,"marks":590},"dépenses directement payées en ligne",[591],{"type":169},{"text":593,"type":50},", vous pouvez par exemple comme le propose Spendesk, demander une autorisation au supérieur hiérarchique, y compris ",{"text":595,"type":50,"marks":596},"avec le système de carte virtuelle à usage unique",[597],{"type":481,"attrs":598},{"href":599,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://helpcenter.spendesk.com/fr/articles/4179292-demander-une-carte-virtuelle-a-usage-unique-sur-mobile",{"text":601,"type":50},".",{"type":173,"attrs":603,"content":604},{"level":411},[605],{"text":606,"type":50},"Les vérifications des règlements à proprement parler",{"type":46,"content":608},[609,611,617,619,623,636],{"text":610,"type":50},"Après ces étapes clés du ",{"text":612,"type":50,"marks":613},"processus Procure-to-Pay",[614],{"type":481,"attrs":615},{"href":616,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://blog.spendesk.com/fr/procure-to-pay",{"text":618,"type":50},", le nombre de contrôles à réaliser se réduit. Certains types de paiements s’automatisent comme les virements émis aux fournisseurs grâce à des ",{"text":620,"type":50,"marks":621},"outils de ",[622],{"type":169},{"text":624,"type":50,"marks":625},"gestion de trésorerie",[626],{"type":481,"attrs":627},{"href":628,"uuid":629,"anchor":53,"target":562,"linktype":563,"story":630},"/glossary/gestion-de-tresorerie","01a70b93-cabd-49a5-8d1a-390e49775b4d",{"name":631,"id":632,"uuid":629,"slug":633,"url":634,"full_slug":635,"_stopResolving":68},"Gestion de trésorerie",482346465,"gestion-de-tresorerie","glossary/gestion-de-tresorerie","fr/glossaire/gestion-de-tresorerie",{"text":637,"type":50},". Ils génèrent des fichiers chiffrés et inaltérables. Ces logiciels procèdent parfois, grâce à des algorithmes, à des vérifications afin de détecter des anomalies potentielles. Ils aident ainsi le valideur dans son travail de contrôle.",{"type":173,"attrs":639,"content":640},{"level":191},[641],{"text":642,"type":50},"Comment lutter contre la fraude au virement en entreprise ?",{"type":46,"content":644},[645,647,651],{"text":646,"type":50},"Voici les actions concrètes qu’une direction financière peut déployer pour limiter la fraude et ",{"text":648,"type":50,"marks":649},"sécuriser les règlements de ses fournisseurs",[650],{"type":169},{"text":601,"type":50},{"type":173,"attrs":653,"content":654},{"level":411},[655],{"text":656,"type":50},"Organisation des worfklows de contrôle et d’approbation",{"type":46,"content":658},[659,661,665],{"text":660,"type":50},"Les bonnes pratiques consistent à mettre en place des procédures écrites claires, rigoureuses et connues de tous. Avec des circuits de validation dématérialisés des achats et des dépenses en général, le ",{"text":662,"type":50,"marks":663},"paramétrage des outils apporte cette sécurisation",[664],{"type":169},{"text":666,"type":50},". Vous définissez qui doit vérifier quoi. Vous accordez les accès informatiques et gérez le niveau d’autorisation. Vous pouvez déployer un système de double signature en cas de transaction importante en montant. Vous paramétrez les notifications et relances par mail ou SMS par exemple.",{"type":173,"attrs":668,"content":669},{"level":411},[670],{"text":671,"type":50},"Respecter les principes de contrôle interne : la séparation des tâches",{"type":46,"content":673},[674,676,680,682,686],{"text":675,"type":50},"Le risque de fraude au paiement doit entraîner beaucoup de vigilance concernant le ",{"text":677,"type":50,"marks":678},"pilotage des données des tiers",[679],{"type":169},{"text":681,"type":50},". La séparation des fonctions implique que le comptable fournisseur ne puisse jamais accéder aux RIB par exemple. Le ",{"text":683,"type":50,"marks":684},"data management",[685],{"type":323},{"text":687,"type":50}," doit prendre en charge la mise à jour ou la création des données du référentiel tiers.",{"type":173,"attrs":689,"content":690},{"level":411},[691],{"text":692,"type":50},"S’équiper d’applications fiables et qui luttent contre la fraude",{"type":46,"content":694},[695,697,701,703,707,709,713],{"text":696,"type":50},"Assurez-vous de disposer de ",{"text":698,"type":50,"marks":699},"matériels et services de règlement fiables et conformes",[700],{"type":169},{"text":702,"type":50}," à la législation toujours évolutive. Des applications en mode ",{"text":704,"type":50,"marks":705},"SaaS",[706],{"type":323},{"text":708,"type":50}," aident même à traquer la fraude au virement. Par exemple, ils identifient les ",{"text":710,"type":50,"marks":711},"paiements suspects",[712],{"type":169},{"text":714,"type":50}," au regard des habitudes des utilisateurs.",{"type":173,"attrs":716,"content":717},{"level":175},[718],{"text":719,"type":50},"Paiement sécurisé en ligne : comment ça marche ?",{"type":46,"content":721},[722,724,728],{"text":723,"type":50},"Parmi les règlements à sécuriser pour vos fournisseurs, les paiements ",{"text":725,"type":50,"marks":726},"en ligne",[727],{"type":169},{"text":729,"type":50}," occupent une place à part. Faisons le point.",{"type":173,"attrs":731,"content":732},{"level":191},[733],{"text":734,"type":50},"Qu’est-ce qu’un paiement sécurisé en ligne ?",{"type":46,"content":736},[737,739,743],{"text":738,"type":50},"Lors d’un règlement par carte bancaire sur le Web, le ",{"text":740,"type":50,"marks":741},"processus crypte",[742],{"type":169},{"text":744,"type":50}," plusieurs informations lors de la transmission :",{"type":216,"content":746},[747,753,759],{"type":219,"content":748},[749],{"type":46,"content":750},[751],{"text":752,"type":50},"le numéro de la carte ;",{"type":219,"content":754},[755],{"type":46,"content":756},[757],{"text":758,"type":50},"la date d’expiration ;",{"type":219,"content":760},[761],{"type":46,"content":762},[763],{"text":764,"type":50},"le cryptogramme.",{"type":46,"content":766},[767,769,773],{"text":768,"type":50},"La sécurisation vise à ",{"text":770,"type":50,"marks":771},"protéger le détenteur de la carte de paiement",[772],{"type":169},{"text":774,"type":50}," et à éviter tout transit d’information confidentielle par Internet. Plusieurs systèmes existent. Nous les détaillons ci-après.",{"type":173,"attrs":776,"content":777},{"level":191},[778],{"text":779,"type":50},"Quels sont les moyens de paiement sécurisés en ligne ?",{"type":46,"content":781},[782,784,788],{"text":783,"type":50},"Voici un panorama des ",{"text":785,"type":50,"marks":786},"solutions fiables pour des règlements sur le Web",[787],{"type":169},{"text":789,"type":50},". Avec le développement des ventes en ligne, l’internaute, même collaborateur en entreprise, doit se montrer vigilant dans sa démarche et dans les outils utilisés.",{"type":173,"attrs":791,"content":792},{"level":411},[793],{"text":794,"type":50},"La e-carte bleue",{"type":46,"content":796},[797,803,805,809],{"text":798,"type":50,"marks":799},"La carte bleue virtuelle ou e-carte bleue",[800],{"type":481,"attrs":801},{"href":802,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://blog.spendesk.com/fr/e-carte-bleue-fonctionnement-avantages",{"text":804,"type":50}," présente l’avantage de vous procurer un numéro de carte bancaire, une date de validité et un cryptogramme, à ",{"text":806,"type":50,"marks":807},"usage unique pour une opération donnée",[808],{"type":169},{"text":810,"type":50},". Ce type de service facturé par les banques constitue une solution pratique pour les collaborateurs d’entreprise qui effectuent des dépenses professionnelles sur Internet.",{"type":173,"attrs":812,"content":813},{"level":411},[814],{"text":815,"type":50},"La carte bleue 3D Secure (3DS)",{"type":46,"content":817},[818,820,824],{"text":819,"type":50},"Ce système de paiement sécurisé correspond à celui retenu par Visa et Mastercard. ",{"text":821,"type":50,"marks":822},"Votre banque vous envoie un SMS",[823],{"type":169},{"text":825,"type":50}," afin de confirmer l’achat en ligne grâce à un code unique à utiliser dans un délai court de quelques minutes. Cette sécurisation du règlement sur le Web ne fait pas l’objet d’une facturation spécifique par la banque.",{"type":173,"attrs":827,"content":828},{"level":411},[829],{"text":830,"type":50},"Les sites de paiement PayPal, Stripe, Wise, etc.",{"type":46,"content":832},[833,835,839],{"text":834,"type":50},"Toutes ces plateformes demandent un ",{"text":836,"type":50,"marks":837},"enregistrement en ligne",[838],{"type":169},{"text":840,"type":50}," de vos coordonnées ainsi que celles de votre banque. La seule chose exigée lors d’un paiement sur un site marchand reste le mot de passe convenu avec cette plateforme. Le commerçant qui vend par Internet n’accède donc pas à vos données bancaires.",{"type":173,"attrs":842,"content":843},{"level":411},[844],{"text":845,"type":50},"Paylib, service directement proposé dans les applications des banques",{"type":46,"content":847},[848,850,854],{"text":849,"type":50},"À la différence des sites précédents, Paylib, service de paiement sans coordonnées bancaires, s’intègre directement ",{"text":851,"type":50,"marks":852},"dans l’application mobile de la plupart des banques du marché",[853],{"type":169},{"text":855,"type":50},". Service de paiement mobile, Paylib s’utilise dans tous les magasins qui acceptent le paiement sans contact. Au-delà de 50 euros, un code de validation est toutefois demandé.",{"type":173,"attrs":857,"content":858},{"level":191},[859],{"text":860,"type":50},"Conseils pratiques pour éviter le piratage du paiement en ligne",{"type":46,"content":862},[863,865,869],{"text":864,"type":50},"Commencez par vérifier le site web sur lequel vous vous apprêtez à effectuer un achat sur Internet. Un paiement sécurisé exige la présence d’un ",{"text":866,"type":50,"marks":867},"petit cadenas à gauche de la barre d’adresse",[868],{"type":169},{"text":870,"type":50},", juste avant le nom du site visité. Si le cadenas est barré ou si un triangle jaune l’accompagne, mieux vaut ne pas réaliser de dépenses sur ce site.",{"type":46,"content":872},[873,875,881,883,887],{"text":874,"type":50},"La Banque de France, dans le cadre de sa mission, prodigue diverses recommandations ",{"text":876,"type":50,"marks":877},"aux utilisateurs de moyens de paiement scripturaux",[878],{"type":481,"attrs":879},{"href":880,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.banque-france.fr/stabilite-financiere/securite-des-moyens-de-paiement-scripturaux/conseil-de-securite-pour-les-utilisateurs-de-moyens-de-paiement-scripturaux",{"text":882,"type":50},". Elle rappelle ",{"text":884,"type":50,"marks":885},"les pratiques de bon sen",[886],{"type":169},{"text":888,"type":50},"s, tant pour les règlements par carte de paiement chez un commerçant que sur Internet voire lors d’un déplacement à l’étranger. Elle explique aussi comment opérer en cas d’anomalies sur le compte bancaire ou de perte de la carte bancaire.",{"type":46,"content":890},[891,897,899,903],{"text":892,"type":50,"marks":893},"Sur le site economie.gouv.fr, vous trouverez également 7 conseils",[894],{"type":481,"attrs":895},{"href":896,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.economie.gouv.fr/particuliers/paiement-en-ligne-conseils",{"text":898,"type":50}," afin d’",{"text":900,"type":50,"marks":901},"éviter les risques de piratage",[902],{"type":169},{"text":904,"type":50}," lors de paiements en ligne. En voici le résumé :",{"type":216,"content":906},[907,913,919,925,931,937,943],{"type":219,"content":908},[909],{"type":46,"content":910},[911],{"text":912,"type":50},"mettre en place la double sécurité avec sa banque ou utiliser une carte virtuelle ;",{"type":219,"content":914},[915],{"type":46,"content":916},[917],{"text":918,"type":50},"vérifier la sécurisation de la page web ;",{"type":219,"content":920},[921],{"type":46,"content":922},[923],{"text":924,"type":50},"se méfier des sites inconnus ou des propositions alléchantes ;",{"type":219,"content":926},[927],{"type":46,"content":928},[929],{"text":930,"type":50},"ne pas enregistrer ses coordonnées bancaires sur les sites même lorsqu’ils le suggèrent ;",{"type":219,"content":932},[933],{"type":46,"content":934},[935],{"text":936,"type":50},"prendre garde aux réseaux wifi publics ;",{"type":219,"content":938},[939],{"type":46,"content":940},[941],{"text":942,"type":50},"veiller à sa sécurité informatique globale ;",{"type":219,"content":944},[945],{"type":46,"content":946},[947],{"text":948,"type":50},"contacter sa banque en cas d’incident ou d’anomalie.",{"type":173,"attrs":950,"content":951},{"level":175},[952],{"type":235,"attrs":953},{"id":237,"body":954},[955],{"_uid":956,"html":241,"component":242},"bcf16743-dc76-4525-b2a9-c82727a1b326",{"type":173,"attrs":958,"content":959},{"level":175},[960],{"text":961,"type":50},"Comment Spendesk sécurise les paiements sur sa plateforme",{"type":46,"content":963},[964,966,970],{"text":965,"type":50},"Chez Spendesk, notre métier consiste à accompagner les entreprises afin de ",{"text":967,"type":50,"marks":968},"faciliter la gestion des dépenses professionnelles",[969],{"type":169},{"text":971,"type":50},". Aussi, le paiement sécurisé fait partie de nos gènes. Tous nos processus visent à réaliser les achats physiques ou en ligne de manière sûre.",{"type":173,"attrs":973,"content":974},{"level":191},[975],{"text":976,"type":50},"Accès à la plateforme Spendesk",{"type":46,"content":978},[979,981,987,989,993],{"text":980,"type":50},"Toutes les opérations se réalisent grâce à notre ",{"text":982,"type":50,"marks":983},"portail en ligne",[984],{"type":481,"attrs":985},{"href":986,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/product/cards/",{"text":988,"type":50},". Cette ",{"text":990,"type":50,"marks":991},"plateforme totalement sécurisée",[992],{"type":169},{"text":994,"type":50}," permet de stocker et de crypter toutes les données, achats, règlements, commandes, factures, etc. Les accès exigent des mots de passe et les sessions utilisateurs font l’objet de déconnexions automatiques. Toute action se trace avec notamment l’identification de l’auteur.",{"type":173,"attrs":996,"content":997},{"level":191},[998],{"text":999,"type":50},"Contrôle et validation des dépenses avant paiement",{"type":46,"content":1001},[1002,1003,1006,1008,1012,1014,1017],{"text":312,"type":50},{"text":579,"type":50,"marks":1004},[1005],{"type":323},{"text":1007,"type":50}," proposés par l’application Spendesk permettent de ",{"text":1009,"type":50,"marks":1010},"paramétrer toutes les étapes de contrôle des achats",[1011],{"type":169},{"text":1013,"type":50}," avant leur paiement en fonction de la ",{"text":1015,"type":50,"marks":1016},"politique de dépenses mise en place",[],{"text":1018,"type":50}," dans votre entreprise. Vous définissez les plafonds autorisés, les niveaux de validation, le suivi des lignes budgétaires, etc. La dématérialisation complète du flux financier facilite sa traçabilité, son contrôle et son autorisation.",{"type":173,"attrs":1020,"content":1021},{"level":191},[1022],{"text":1023,"type":50},"Paiement par carte bancaire : certifications et normes utilisées",{"type":46,"content":1025},[1026,1028,1032,1034,1040,1042,1046],{"text":1027,"type":50},"Chez Spendesk, nous proposons divers modes de règlement, dont la carte bancaire virtuelle ou physique avec le système 3D Secure (3DS). Ainsi vos collaborateurs doivent confirmer leurs paiements en ligne avec un ",{"text":1029,"type":50,"marks":1030},"code",[1031],{"type":169},{"text":1033,"type":50},". En outre, Spendesk respecte la ",{"text":1035,"type":50,"marks":1036},"norme de sécurité de l’industrie des cartes de paiement (PCI DSS)",[1037],{"type":481,"attrs":1038},{"href":1039,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.adyen.com/fr_FR/ressources/conformite-pci-dss",{"text":1041,"type":50},". Par ailleurs, nous nous conformons à la directive relative aux ",{"text":1043,"type":50,"marks":1044},"procédures d’authentification forte",[1045],{"type":169},{"text":1047,"type":50}," tant lors de la connexion au compte que lors d’un paiement.",{"type":173,"attrs":1049,"content":1050},{"level":191},[1051],{"text":1052,"type":50},"Utilisation d’un algorithme pour traquer les fraudes",{"type":46,"content":1054},[1055,1057,1061],{"text":1056,"type":50},"Spendesk utilise aussi un ",{"text":1058,"type":50,"marks":1059},"algorithme afin de détecter les fraudes",[1060],{"type":169},{"text":1062,"type":50},". 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Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":46,"content":2756},[2757],{"text":2758,"type":50},"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":46,"content":2760},[2761],{"text":2762,"type":50},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":46,"content":2764},[2765,2769,2770],{"text":2766,"type":50,"marks":2767},"Pour les équipes financières",[2768],{"type":169},{"type":2699},{"text":2771,"type":50},"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":46,"content":2773},[2774],{"text":2775,"type":50},"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":46,"content":2777},[2778],{"text":2779,"type":50},"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":46,"content":2781},[2782],{"text":2783,"type":50},"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":46,"content":2785},[2786],{"text":2787,"type":50},"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":46,"content":2789},[2790],{"text":2791,"type":50},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la 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00:00","3",[],[],"Pourquoi, quand et comment mettre en place une avance de frais pour un salarié ? Toutes les réponses à vos questions dans cet article.",[],[2885],{"_uid":2886,"items":2887,"heading":2946,"reverse":30,"component":1199,"sectionSettings":2968},"908f8030-ba01-47f2-9896-6eb1278e81b4",[2888,2897,2906,2915,2924,2935],{"_uid":2889,"title":2890,"component":1147,"description":2891},"0b85576d-4a8e-4717-a13d-8ebcc56531cc","Qu'est-ce qu'une avance de frais et comment Spendesk la gère-t-il ?",{"type":43,"content":2892},[2893],{"type":46,"content":2894},[2895],{"text":2896,"type":50},"Une avance de frais est une somme versée à l'avance à un employé pour couvrir des dépenses professionnelles. Spendesk centralise les demandes d'avance, les workflows d'approbation et le suivi du remboursement via des cartes virtuelles ou physiques et des notes de frais, avec plafonds et règles configurables.",{"_uid":2898,"title":2899,"component":1147,"description":2900},"fbddb73c-65fd-417d-974c-2340b1618173","Comment demander une avance de frais dans Spendesk ?",{"type":43,"content":2901},[2902],{"type":46,"content":2903},[2904],{"text":2905,"type":50},"Les employés peuvent demander une avance de frais depuis l'app ou la plateforme Spendesk ; la demande suit un workflow d'approbation configuré (manager, finance). Une fois approuvée, l'avance peut être versée ou attribuée via une carte temporaire, avec suivi du solde et du remboursement.",{"_uid":2907,"title":2908,"component":1147,"description":2909},"082380ce-0780-48b7-b1f5-b564c2c03cc5","Spendesk peut-il lier les avances de frais aux notes de frais et au remboursement ?",{"type":43,"content":2910},[2911],{"type":46,"content":2912},[2913],{"text":2914,"type":50},"Spendesk relie les avances aux notes de frais et au remboursement : les dépenses déclarées sont rapprochées de l'avance, le solde restant dû ou le trop-perçu est calculé et les écritures sont exportables vers la comptabilité pour une traçabilité complète.",{"_uid":2916,"title":2917,"component":1147,"description":2918},"c4d79430-c535-4ec9-ae4b-1826d8aa97bb","Quels contrôles et plafonds sont disponibles pour les avances de frais dans Spendesk ?",{"type":43,"content":2919},[2920],{"type":46,"content":2921},[2922],{"text":2923,"type":50},"Spendesk permet de définir des plafonds par employé ou par type d'avance, des workflows d'approbation multi-niveaux et des règles de remboursement. Les contrôles budgétaires et les rapports centralisent les avances en cours et les soldes pour la clôture et l'audit.",{"_uid":2925,"hide":30,"title":2926,"component":1147,"description":2927},"5a5b3dd6-4ff7-454a-bf57-b0e953aecec6","L'avance sur frais est-elle soumise à cotisations sociales ?",{"type":43,"attrs":2928,"content":2929},{"backgroundColor":53},[2930],{"type":46,"attrs":2931,"content":2932},{"textAlign":53},[2933],{"text":2934,"type":50},"Non, lorsqu'elle est justifiée : remboursés au réel sur justificatifs ou sous forme d'allocation forfaitaire dans la limite des barèmes URSSAF, les frais professionnels sont exclus de l'assiette des cotisations et de la CSG-CRDS. En revanche, une allocation forfaitaire supérieure aux limites, sans preuve des dépenses, devient un complément de rémunération soumis à cotisations dès le premier euro.",{"_uid":2936,"hide":30,"title":2937,"component":1147,"description":2938},"0d52a026-c567-412e-9d84-16d33c92d3fe","L'employeur peut-il refuser de rembourser une avance de frais ?",{"type":43,"attrs":2939,"content":2940},{"backgroundColor":53},[2941],{"type":46,"attrs":2942,"content":2943},{"textAlign":53},[2944],{"text":2945,"type":50},"L'employeur ne peut pas refuser de rembourser des frais professionnels réellement engagés dans l'intérêt de l'entreprise et dûment justifiés : ce remboursement est une obligation. L'avance elle-même n'est pas obligatoire, sauf usage de l'entreprise, convention collective ou accord d'entreprise.",[2947],{"cta":2948,"_uid":2949,"title":2950,"eyebrow":2957,"subtitle":2964,"component":173,"textAlign":24,"sectionSettings":2967,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"365834ec-0de8-439f-a174-3023df38fd1e",{"type":43,"content":2951},[2952],{"type":173,"attrs":2953,"content":2954},{"level":175},[2955],{"text":2956,"type":50},"Avance Frais Professionnels Salaries — FAQ",{"type":43,"attrs":2958,"content":2959},{"backgroundColor":53},[2960],{"type":46,"attrs":2961,"content":2962},{"textAlign":53},[2963],{"text":1520,"type":50},{"type":43,"content":2965},[2966],{"type":46},[],[2969],{"_uid":2970,"hide":30,"theme":1203,"anchorId":24,"component":1204,"spacingTop":24,"hideOnDevices":2971,"spacingBottom":24,"floatingImages":2972,"variableOverrides":2973},"add073ad-a155-4764-9860-96c948843d0b",[],[],[],"avance-frais-professionnels-salaries","fr/blog/avance-frais-professionnels-salaries",9130,[],"cbc37b86-12d4-4e1d-bb33-6d5786106464","2022-11-04T11:11:58.480Z",[],"blog/avance-frais-professionnels-salaries",[2983,2984,2985],{"path":2981,"name":53,"lang":59,"published":53},{"path":2981,"name":53,"lang":65,"published":53},{"path":2981,"name":53,"lang":67,"published":53},{"name":2987,"created_at":2988,"published_at":2989,"updated_at":2990,"id":2991,"uuid":2992,"content":2993,"slug":3116,"full_slug":3117,"sort_by_date":53,"position":3118,"tag_list":3119,"is_startpage":30,"parent_id":1212,"meta_data":53,"group_id":3120,"first_published_at":3121,"release_id":53,"lang":59,"path":53,"alternates":3122,"default_full_slug":3123,"translated_slugs":3124},"Budget marketing : comment planifier et gérer vos dépenses ?","2022-10-24T15:56:19.544Z","2026-11-03T12:12:45.963Z","2026-11-03T12:12:45.988Z",208735307,"4df5bf58-3aac-45dc-9d48-8858cd70594f",{"_uid":2994,"title":2987,"topics":2995,"category":3025,"language":3034,"component":1114,"heroMedia":3035,"publishedAt":3042,"readingTime":3043,"redirectUrl":24,"listingImage":3044,"metaDescription":3045,"componentsAfterTheArticle":3046},"193b45c0-61f6-4c9b-83ae-a4b5bc2186fe",[2996,3004],{"name":71,"created_at":72,"published_at":73,"updated_at":74,"id":75,"uuid":76,"content":2997,"slug":88,"full_slug":89,"sort_by_date":53,"position":90,"tag_list":2998,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":93,"first_published_at":94,"release_id":53,"lang":59,"path":53,"alternates":2999,"default_full_slug":96,"translated_slugs":3000,"_stopResolving":68},{"_uid":86,"name":71,"component":87},[],[],[3001,3002,3003],{"path":96,"name":53,"lang":59,"published":53},{"path":96,"name":53,"lang":65,"published":53},{"path":96,"name":53,"lang":67,"published":53},{"name":3005,"created_at":3006,"published_at":3007,"updated_at":3008,"id":3009,"uuid":3010,"content":3011,"slug":3013,"full_slug":3014,"sort_by_date":53,"position":3015,"tag_list":3016,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":3017,"first_published_at":3018,"release_id":53,"lang":59,"path":53,"alternates":3019,"default_full_slug":3020,"translated_slugs":3021,"_stopResolving":68},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-09-29T09:14:42.092Z","2026-09-29T09:14:42.108Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":3012,"name":3005,"component":87},"5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[3022,3023,3024],{"path":3020,"name":53,"lang":59,"published":53},{"path":3020,"name":53,"lang":65,"published":53},{"path":3020,"name":53,"lang":67,"published":53},{"name":1102,"created_at":1103,"published_at":16,"updated_at":1104,"id":1105,"uuid":1106,"content":3026,"slug":1114,"full_slug":1115,"sort_by_date":53,"position":1116,"tag_list":3028,"is_startpage":30,"parent_id":1118,"meta_data":53,"group_id":1119,"first_published_at":1120,"release_id":53,"lang":59,"path":53,"alternates":3029,"default_full_slug":1122,"translated_slugs":3030,"_stopResolving":68},{"_uid":1108,"icon":3027,"name":1102,"component":1113},{"id":1110,"alt":1111,"name":24,"focus":24,"title":24,"filename":1112,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3031,3032,3033],{"path":1122,"name":53,"lang":59,"published":53},{"path":1122,"name":53,"lang":65,"published":53},{"path":1122,"name":53,"lang":67,"published":53},[59],[3036],{"_uid":3037,"asset":3038,"shadow":30,"caption":24,"overlay":3041,"component":1134},"0f8c36d9-7d04-456c-9bad-2757a1ff3d04",{"alt":3039,"name":24,"focus":24,"title":24,"filename":3040,"copyright":24,"fieldtype":29,"is_external_url":30},"gestion des budgets - 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Un budget efficace peut répondre à cette attente !",[3047],{"_uid":3048,"items":3049,"heading":3093,"reverse":30,"component":1199,"sectionSettings":3110},"0d502690-03e3-4abc-8259-a5863bf1222d",[3050,3058,3066,3075,3084],{"_uid":3051,"title":2675,"component":1147,"description":3052},"4377b4dc-ad7d-4c71-96c1-a59061f6ee16",{"type":43,"content":3053},[3054],{"type":46,"content":3055},[3056],{"text":3057,"type":50},"La gestion des dépenses centralise et automatise le suivi des dépenses professionnelles. Spendesk regroupe approbations d'achat, méthodes de paiement, traitement des factures, notes de frais et réconciliation des justificatifs. La plateforme propose des cartes physiques et virtuelles, règles d'approbation et export comptable pour assurer visibilité, contrôle des coûts et conformité TVA.",{"_uid":3059,"title":2735,"component":1147,"description":3060},"5bb98927-c53a-46ae-bc1c-a5ecb7308fea",{"type":43,"content":3061},[3062],{"type":46,"content":3063},[3064],{"text":3065,"type":50},"Spendesk fournit une plateforme centralisée qui combine cartes physiques, cartes virtuelles et notes de frais automatisées. Les employés demandent des fonds et utilisent une carte Spendesk; l'application capture les justificatifs et crée des notes de frais en temps réel. Les responsables valident via des flux d'approbation paramétrables; les équipes financières gèrent budgets, limites et exportent les écritures vers les outils comptables.",{"_uid":3067,"title":3068,"component":1147,"description":3069},"8a95250f-d9b0-40de-9ee4-9dd11252aec2","Comment Spendesk aide-t-il à planifier un budget marketing ?",{"type":43,"content":3070},[3071],{"type":46,"content":3072},[3073],{"text":3074,"type":50},"Spendesk centralise la planification et le suivi des budgets marketing. La fonctionnalité Budgets permet d'attribuer enveloppes par équipe ou campagne, générer cartes dédiées et automatiser limites et approbations. 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Les cartes virtuelles sécurisent les paiements en ligne avec limites à usage unique; les cartes physiques servent pour achats terrain; la plateforme gère aussi traitement des factures et rapprochement des paiements.",{"_uid":3085,"title":3086,"component":1147,"description":3087},"7b230a82-ee12-4c7a-8c30-4279eeb4f441","Comment Spendesk s'intègre-t-il aux outils comptables ?",{"type":43,"content":3088},[3089],{"type":46,"content":3090},[3091],{"text":3092,"type":50},"Spendesk s'intègre directement aux principaux outils comptables via export automatique et connecteurs. Les règles de catégorisation, taux de TVA et journaux comptables sont appliqués avant export; les écritures et justificatifs se synchronisent pour accélérer la clôture et réduire la saisie manuelle.",[3094],{"cta":3095,"_uid":3096,"title":3097,"eyebrow":3103,"subtitle":3106,"component":173,"textAlign":24,"sectionSettings":3109,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"bcd09957-3448-4f8b-a51f-58ca3e2c17b6",{"type":43,"content":3098},[3099],{"type":173,"attrs":3100,"content":3101},{"level":175},[3102],{"text":1520,"type":50},{"type":43,"content":3104},[3105],{"type":46},{"type":43,"content":3107},[3108],{"type":46},[],[3111],{"_uid":3112,"hide":30,"theme":1203,"anchorId":24,"component":1204,"spacingTop":24,"hideOnDevices":3113,"spacingBottom":24,"floatingImages":3114,"variableOverrides":3115},"31b9cdc5-0033-4b48-b698-4683bd59fe31",[],[],[],"budget-marketing","fr/blog/budget-marketing",7610,[],"fdf332ae-d5b3-4009-86bb-211d3460b5de","2023-02-02T12:04:00.000Z",[],"blog/budget-marketing",[3125,3126,3127],{"path":3123,"name":53,"lang":59,"published":53},{"path":3123,"name":53,"lang":65,"published":53},{"path":3123,"name":53,"lang":67,"published":53},{"name":3129,"created_at":3130,"published_at":3131,"updated_at":3132,"id":3133,"uuid":3134,"content":3135,"slug":3265,"full_slug":3266,"sort_by_date":53,"position":3267,"tag_list":3268,"is_startpage":30,"parent_id":1212,"meta_data":53,"group_id":3269,"first_published_at":3131,"release_id":53,"lang":59,"path":53,"alternates":3270,"default_full_slug":3271,"translated_slugs":3272},"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":3136,"title":3129,"topics":3137,"noIndex":30,"category":3146,"language":3155,"readTime":24,"component":1114,"heroMedia":3156,"publishedAt":3164,"redirectUrl":24,"leadwallForm":3165,"listingImage":3166,"leadwallTitle":24,"metaDescription":3167,"bottomArticleCta":3168,"leadwallSubtitle":24,"isLeadwallEnabled":30,"componentsAfterTheArticle":3169,"leadwallVisibleParagraphs":24},"2955117f-e1c3-42a9-8617-6338ebfaa75f",[3138],{"name":71,"created_at":72,"published_at":73,"updated_at":74,"id":75,"uuid":76,"content":3139,"slug":88,"full_slug":89,"sort_by_date":53,"position":90,"tag_list":3140,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":93,"first_published_at":94,"release_id":53,"lang":59,"path":53,"alternates":3141,"default_full_slug":96,"translated_slugs":3142,"_stopResolving":68},{"_uid":86,"name":71,"component":87},[],[],[3143,3144,3145],{"path":96,"name":53,"lang":59,"published":53},{"path":96,"name":53,"lang":65,"published":53},{"path":96,"name":53,"lang":67,"published":53},{"name":1102,"created_at":1103,"published_at":16,"updated_at":1104,"id":1105,"uuid":1106,"content":3147,"slug":1114,"full_slug":1115,"sort_by_date":53,"position":1116,"tag_list":3149,"is_startpage":30,"parent_id":1118,"meta_data":53,"group_id":1119,"first_published_at":1120,"release_id":53,"lang":59,"path":53,"alternates":3150,"default_full_slug":1122,"translated_slugs":3151,"_stopResolving":68},{"_uid":1108,"icon":3148,"name":1102,"component":1113},{"id":1110,"alt":1111,"name":24,"focus":24,"title":24,"filename":1112,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3152,3153,3154],{"path":1122,"name":53,"lang":59,"published":53},{"path":1122,"name":53,"lang":65,"published":53},{"path":1122,"name":53,"lang":67,"published":53},[59],[3157],{"_uid":3158,"link":3159,"asset":3160,"caption":24,"component":1134},"2659f3d3-1176-42d9-81e0-b73ebc51a312",{"id":24,"url":24,"linktype":563,"fieldtype":34,"cached_url":2288,"prep":68},{"id":3161,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3162,"copyright":24,"fieldtype":29,"meta_data":3163,"is_external_url":30},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",[],[3170],{"cta":3171,"_uid":3172,"items":3173,"heading":3240,"reverse":30,"component":1199,"sectionSettings":3264},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[3174,3185,3196,3207,3218,3229],{"_uid":3175,"hide":30,"title":3176,"component":1147,"description":3177},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":43,"attrs":3178,"content":3179},{"backgroundColor":53},[3180],{"type":46,"attrs":3181,"content":3182},{"textAlign":53},[3183],{"text":3184,"type":50},"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":3186,"hide":30,"title":3187,"component":1147,"description":3188},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":43,"attrs":3189,"content":3190},{"backgroundColor":53},[3191],{"type":46,"attrs":3192,"content":3193},{"textAlign":53},[3194],{"text":3195,"type":50},"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. 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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":3208,"hide":30,"title":3209,"component":1147,"description":3210},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":43,"attrs":3211,"content":3212},{"backgroundColor":53},[3213],{"type":46,"attrs":3214,"content":3215},{"textAlign":53},[3216],{"text":3217,"type":50},"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. 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Contrôlez aussi les données synchronisées, la fréquence des mises à jour, les dimensions analytiques et les possibilités d’export ou d’API.",{"_uid":3230,"hide":30,"title":3231,"component":1147,"description":3232},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":43,"attrs":3233,"content":3234},{"backgroundColor":53},[3235],{"type":46,"attrs":3236,"content":3237},{"textAlign":53},[3238],{"text":3239,"type":50},"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.",[3241],{"cta":3242,"_uid":3243,"title":3244,"layout":24,"eyebrow":3252,"subtitle":3259,"component":173,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3262,"sectionSettings":3263,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":43,"attrs":3245,"content":3246},{"backgroundColor":53},[3247],{"type":173,"attrs":3248,"content":3249},{"level":175,"textAlign":53},[3250],{"text":3251,"type":50},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":43,"attrs":3253,"content":3254},{"backgroundColor":53},[3255],{"type":46,"attrs":3256,"content":3257},{"textAlign":53},[3258],{"text":1520,"type":50},{"type":43,"content":3260},[3261],{"type":46},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[3273,3274,3275],{"path":3271,"name":53,"lang":59,"published":53},{"path":3271,"name":53,"lang":65,"published":53},{"path":3271,"name":53,"lang":67,"published":53},{"name":3277,"created_at":3278,"published_at":3279,"updated_at":3280,"id":3281,"uuid":3282,"content":3283,"slug":3396,"full_slug":3397,"sort_by_date":53,"position":3398,"tag_list":3399,"is_startpage":30,"parent_id":1212,"meta_data":53,"group_id":3400,"first_published_at":3401,"release_id":53,"lang":59,"path":53,"alternates":3402,"default_full_slug":3403,"translated_slugs":3404},"Analyse des écarts budgétaires : méthode, seuils et actions correctives","2026-09-11T16:19:06.315Z","2026-11-03T12:09:13.302Z","2026-11-03T12:09:13.332Z",218947364137443,"f8b80f93-aaed-4e0a-b181-7f066352279f",{"_uid":3284,"title":3277,"topics":3285,"noIndex":30,"category":3294,"language":3303,"component":1114,"heroMedia":3304,"publishedAt":3312,"redirectUrl":24,"listingImage":3313,"metaDescription":3314,"bottomArticleCta":3315,"componentsAfterTheArticle":3316},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3286],{"name":71,"created_at":72,"published_at":73,"updated_at":74,"id":75,"uuid":76,"content":3287,"slug":88,"full_slug":89,"sort_by_date":53,"position":90,"tag_list":3288,"is_startpage":30,"parent_id":92,"meta_data":53,"group_id":93,"first_published_at":94,"release_id":53,"lang":59,"path":53,"alternates":3289,"default_full_slug":96,"translated_slugs":3290,"_stopResolving":68},{"_uid":86,"name":71,"component":87},[],[],[3291,3292,3293],{"path":96,"name":53,"lang":59,"published":53},{"path":96,"name":53,"lang":65,"published":53},{"path":96,"name":53,"lang":67,"published":53},{"name":1102,"created_at":1103,"published_at":16,"updated_at":1104,"id":1105,"uuid":1106,"content":3295,"slug":1114,"full_slug":1115,"sort_by_date":53,"position":1116,"tag_list":3297,"is_startpage":30,"parent_id":1118,"meta_data":53,"group_id":1119,"first_published_at":1120,"release_id":53,"lang":59,"path":53,"alternates":3298,"default_full_slug":1122,"translated_slugs":3299,"_stopResolving":68},{"_uid":1108,"icon":3296,"name":1102,"component":1113},{"id":1110,"alt":1111,"name":24,"focus":24,"title":24,"filename":1112,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3300,3301,3302],{"path":1122,"name":53,"lang":59,"published":53},{"path":1122,"name":53,"lang":65,"published":53},{"path":1122,"name":53,"lang":67,"published":53},[59],[3305],{"_uid":3306,"link":3307,"asset":3308,"caption":24,"component":1134},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":24,"url":24,"linktype":563,"fieldtype":34,"cached_url":2288,"prep":68},{"id":3309,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3310,"copyright":24,"fieldtype":29,"meta_data":3311,"is_external_url":30},164060175892697,"https://a.storyblok.com/f/146026/1536x1024/28f26daba2/1773976987824-w4lbcl.png",{},"2026-09-11 00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3317],{"cta":3318,"_uid":3319,"items":3320,"heading":3371,"reverse":30,"component":1199,"sectionSettings":3395},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3321,3338,3349,3360],{"_uid":3322,"hide":30,"title":3323,"component":1147,"description":3324},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":43,"attrs":3325,"content":3326},{"backgroundColor":53},[3327],{"type":46,"attrs":3328,"content":3329},{"textAlign":53},[3330,3332,3336],{"text":3331,"type":50},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3333,"type":50,"marks":3334},"projet reporté",[3335],{"type":169},{"text":3337,"type":50},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3339,"hide":30,"title":3340,"component":1147,"description":3341},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":43,"attrs":3342,"content":3343},{"backgroundColor":53},[3344],{"type":46,"attrs":3345,"content":3346},{"textAlign":53},[3347],{"text":3348,"type":50},"Un écart temporaire provient généralement d’un décalage de calendrier ou d’une dépense exceptionnelle. Un écart structurel traduit une tendance durable, comme une hausse de prix ou un budget sous-évalué, et nécessite une action de fond.",{"_uid":3350,"hide":30,"title":3351,"component":1147,"description":3352},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":43,"attrs":3353,"content":3354},{"backgroundColor":53},[3355],{"type":46,"attrs":3356,"content":3357},{"textAlign":53},[3358],{"text":3359,"type":50},"Fixez le seuil absolu en fonction du budget global, du niveau de détail suivi et de l’impact du poste sur le résultat. Le seuil relatif peut se situer autour de 5 à 10 %, mais il doit être ajusté selon la nature de la dépense.",{"_uid":3361,"hide":30,"title":3362,"component":1147,"description":3363},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":43,"attrs":3364,"content":3365},{"backgroundColor":53},[3366],{"type":46,"attrs":3367,"content":3368},{"textAlign":53},[3369],{"text":3370,"type":50},"Le responsable de budget explique les écarts de son périmètre. Le contrôleur de gestion consolide et challenge les analyses. La direction financière intervient lorsque l’écart nécessite une décision d’allocation ou une révision de prévision.",[3372],{"cta":3373,"_uid":3374,"title":3375,"eyebrow":3383,"subtitle":3390,"component":173,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3393,"sectionSettings":3394,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":43,"attrs":3376,"content":3377},{"backgroundColor":53},[3378],{"type":173,"attrs":3379,"content":3380},{"level":175,"textAlign":53},[3381],{"text":3382,"type":50},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":43,"attrs":3384,"content":3385},{"backgroundColor":53},[3386],{"type":46,"attrs":3387,"content":3388},{"textAlign":53},[3389],{"text":1520,"type":50},{"type":43,"content":3391},[3392],{"type":46},[],[],[],"analyse-des-ecarts-budgetaires","fr/blog/analyse-des-ecarts-budgetaires",-3440,[],"39605731-405d-4ed8-ba5f-6ee0217e6dc4","2026-09-11T16:41:03.236Z",[],"blog/analyse-des-ecarts-budgetaires",[3405,3406,3407],{"path":3403,"name":53,"lang":59,"published":53},{"path":3403,"name":53,"lang":65,"published":53},{"path":3403,"name":53,"lang":67,"published":53},1793991591148]