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Mais cette autonomie soulève rapidement une question pour le DAF ou le responsable administratif et financier : ",{"text":216,"type":179,"marks":217},"qui peut dépenser, pour quel besoin et jusqu’à quel montant ?",[218],{"type":206},{"type":173,"attrs":220,"content":222},{"textAlign":26,"key":221},"p-2",[223,225,229],{"text":224,"type":179},"Le bon équilibre ne consiste pas à bloquer les cartes ou à fixer des plafonds très élevés. Il consiste à attribuer à chaque collaborateur ",{"text":226,"type":179,"marks":227},"le niveau de dépense nécessaire à son rôle",[228],{"type":206},{"text":230,"type":179},", puis à ajuster ce niveau lorsque le contexte change.",{"type":232,"attrs":233},"blok",{"id":234,"body":235},"ed8ce364-7d6b-4cbb-8277-b2f1add09a5b",[236],{"_uid":237,"text":238,"color":239,"title":240,"component":241},"i-c4749181-4be4-4aee-9b5f-aa3b030de7f8","- Le **plafond de carte** doit correspondre au besoin opérationnel et au niveau de risque de chaque collaborateur.\n\n\n- Un plafond peut être défini par carte, par période, par transaction, par catégorie de dépense ou par projet.\n- Les **hausses temporaires** sont généralement plus sûres que des plafonds permanents trop élevés.\n- Le contrôle avant paiement repose sur les plafonds, les règles de marchand et les validations nécessaires.\n- Le contrôle après paiement repose sur les justificatifs, la catégorisation, le rapprochement et la traçabilité.\n- Les cartes doivent être attribuées nominativement, suivies depuis une interface centralisée et désactivées lors du départ d’un collaborateur.\n- Les cartes virtuelles à usage unique limitent le risque lié aux achats en ligne et à la fuite de données.\n- Une carte entreprise plafonnée apporte souvent **plus de contrôle en amont** qu’une note de frais classique.","orange","📌 À retenir","callout",{"type":243,"attrs":244,"content":246},"heading",{"level":245,"textAlign":26},2,[247],{"text":248,"type":179,"marks":249},"Pourquoi le plafond est-il le premier levier de contrôle ?",[250],{"type":206},{"type":173,"attrs":252,"content":254},{"textAlign":26,"key":253},"p-3",[255,257,261],{"text":256,"type":179},"Le plafond d’une carte entreprise correspond à ",{"text":258,"type":179,"marks":259},"la limite de dépense autorisée pour un porteur et une période donnée",[260],{"type":206},{"text":262,"type":179},". Il peut également s’appliquer à une transaction, une catégorie de marchand, un projet ou un type de carte.",{"type":173,"attrs":264,"content":266},{"textAlign":26,"key":265},"p-4",[267],{"text":268,"type":179},"Il faut distinguer le plafond de paiement du plafond de retrait. Le premier encadre les achats courants, tandis que le second limite les retraits d’espèces, qui sont souvent plus difficiles à tracer et à justifier.",{"type":173,"attrs":270,"content":272},{"textAlign":26,"key":271},"p-5",[273,275,279],{"text":274,"type":179},"Un plafond bien calibré remplit deux fonctions. Il empêche mécaniquement certains dépassements, tout en laissant au collaborateur ",{"text":276,"type":179,"marks":277},"une marge suffisante pour réaliser ses dépenses professionnelles",[278],{"type":206},{"text":208,"type":179},{"type":173,"attrs":281,"content":283},{"textAlign":26,"key":282},"p-6",[284,286,290],{"text":285,"type":179},"Un assistant administratif qui achète principalement des fournitures de bureau n’a pas les mêmes besoins qu’un commercial qui réserve des hôtels, des billets de train et des repas clients. 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Un montant rond, comme 1 000 € par mois, est simple à retenir, mais il ne reflète pas nécessairement ",{"text":331,"type":179,"marks":332},"la réalité des dépenses de chaque métier",[333],{"type":206},{"text":208,"type":179},{"type":173,"attrs":336,"content":338},{"textAlign":26,"key":337},"p-9",[339],{"text":340,"type":179},"Commencez par analyser l’historique des dépenses, les catégories utilisées et les périodes de forte activité. Vous pouvez ensuite ajouter une marge raisonnable, par exemple 10 à 15 %, afin d’absorber les variations sans transformer cette marge en budget permanent.",{"type":243,"attrs":342,"content":344},{"level":343,"textAlign":26},3,[345],{"text":346,"type":179,"marks":347},"Quels plafonds attribuer selon le profil ?",[348],{"type":206},{"type":173,"attrs":350,"content":352},{"textAlign":26,"key":351},"p-10",[353],{"text":354,"type":179},"Les montants ci-dessous sont uniquement des points de départ. 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",{"text":635,"type":179,"marks":636},"Un commercial peut par exemple disposer d’un budget transport élevé tout en étant limité sur les retraits ou les achats hors politique.",[637],{"type":206},{"type":243,"attrs":639,"content":640},{"level":343,"textAlign":26},[641],{"text":642,"type":179,"marks":643},"Pourquoi privilégier les hausses temporaires ?",[644],{"type":206},{"type":173,"attrs":646,"content":648},{"textAlign":26,"key":647},"p-40",[649],{"text":650,"type":179},"Les hausses temporaires permettent d’adapter le budget à un événement précis sans augmenter durablement le niveau de risque.",{"type":173,"attrs":652,"content":654},{"textAlign":26,"key":653},"p-41",[655],{"text":656,"type":179},"Un responsable financier peut relever le plafond d’un commercial de 3 000 à 5 000 € pendant 48 heures pour couvrir un salon professionnel. Une fois la période terminée, le plafond revient automatiquement à son niveau habituel.",{"type":173,"attrs":658,"content":660},{"textAlign":26,"key":659},"p-42",[661,663,667],{"text":662,"type":179},"Cette méthode évite de conserver des limites élevées toute l’année pour répondre à ",{"text":664,"type":179,"marks":665},"un besoin exceptionnel de quelques jours",[666],{"type":206},{"text":208,"type":179},{"type":173,"attrs":669,"content":671},{"textAlign":26,"key":670},"p-43",[672,674,681],{"text":673,"type":179},"Avec Spendesk, l’équipe finance peut ajuster les limites selon la carte, l’utilisateur, le projet ou la catégorie. Les limites peuvent être modifiées depuis l’interface, sans avoir à demander une nouvelle carte à la banque. 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dépense",{"type":399,"attrs":857,"content":858},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[859],{"type":173,"attrs":860,"content":861},{"textAlign":26,"key":337},[862],{"text":863,"type":179},"Justificatif, catégorisation, rapprochement, contrôle budgétaire",{"type":243,"attrs":865,"content":866},{"level":343,"textAlign":26},[867],{"text":868,"type":179,"marks":869},"Comment fonctionne le contrôle avant paiement ?",[870],{"type":206},{"type":173,"attrs":872,"content":873},{"textAlign":26,"key":351},[874],{"text":875,"type":179},"Le contrôle avant paiement repose sur plusieurs mécanismes complémentaires.",{"type":173,"attrs":877,"content":878},{"textAlign":26,"key":368},[879],{"text":880,"type":179},"Les plafonds refusent automatiquement les transactions qui dépassent le montant autorisé. Les restrictions par catégorie peuvent bloquer les secteurs qui ne correspondent pas à l’activité de l’entreprise. Les workflows permettent enfin de faire valider une demande d’achat ou une augmentation temporaire avant de libérer le budget.",{"type":173,"attrs":882,"content":883},{"textAlign":26,"key":379},[884,886,890],{"text":885,"type":179},"Un collaborateur qui demande une enveloppe supplémentaire pour un déplacement peut ainsi soumettre sa demande à son manager. ",{"text":887,"type":179,"marks":888},"La dépense est contrôlée avant que le budget ne soit engagé",[889],{"type":206},{"text":891,"type":179},", et non après réception de la note de frais.",{"type":243,"attrs":893,"content":894},{"level":343,"textAlign":26},[895],{"text":896,"type":179,"marks":897},"Comment fonctionne le contrôle après paiement ?",[898],{"type":206},{"type":173,"attrs":900,"content":901},{"textAlign":26,"key":390},[902],{"text":903,"type":179},"Le contrôle après paiement intervient une fois la transaction enregistrée. Il consiste à :",{"type":569,"content":905},[906,913,920,927,934,941],{"type":572,"content":907},[908],{"type":173,"attrs":909,"content":910},{"textAlign":26,"key":404},[911],{"text":912,"type":179},"collecter le justificatif ;",{"type":572,"content":914},[915],{"type":173,"attrs":916,"content":917},{"textAlign":26,"key":413},[918],{"text":919,"type":179},"vérifier la catégorie de dépense ;",{"type":572,"content":921},[922],{"type":173,"attrs":923,"content":924},{"textAlign":26,"key":422},[925],{"text":926,"type":179},"contrôler le montant ;",{"type":572,"content":928},[929],{"type":173,"attrs":930,"content":931},{"textAlign":26,"key":433},[932],{"text":933,"type":179},"rapprocher l’opération du budget ;",{"type":572,"content":935},[936],{"type":173,"attrs":937,"content":938},{"textAlign":26,"key":442},[939],{"text":940,"type":179},"associer la dépense à un projet ou à un centre de coût ;",{"type":572,"content":942},[943],{"type":173,"attrs":944,"content":945},{"textAlign":26,"key":451},[946],{"text":947,"type":179},"identifier les éventuelles anomalies.",{"type":173,"attrs":949,"content":950},{"textAlign":26,"key":462},[951,953,957],{"text":952,"type":179},"Cette étape permet de maintenir ",{"text":954,"type":179,"marks":955},"une traçabilité complète de la dépense",[956],{"type":206},{"text":958,"type":179},", depuis le paiement jusqu’à son traitement comptable.",{"type":243,"attrs":960,"content":961},{"level":343,"textAlign":26},[962],{"text":963,"type":179,"marks":964},"Pourquoi le contrôle après paiement ne suffit-il pas ?",[965],{"type":206},{"type":173,"attrs":967,"content":968},{"textAlign":26,"key":471},[969],{"text":970,"type":179},"Un contrôle exclusivement réalisé après paiement transforme souvent l’équipe finance en gestionnaire d’exceptions.",{"type":173,"attrs":972,"content":973},{"textAlign":26,"key":479},[974,976,980],{"text":975,"type":179},"Un renouvellement de licence logicielle de 1 200 € découvert trois semaines après la facturation ne peut plus être arbitré en amont. L’équipe peut encore demander un justificatif ou contester la dépense, mais ",{"text":977,"type":179,"marks":978},"elle ne peut plus empêcher l’engagement initial",[979],{"type":206},{"text":208,"type":179},{"type":173,"attrs":982,"content":983},{"textAlign":26,"key":490},[984],{"text":985,"type":179},"La combinaison des deux approches est donc plus efficace. Le contrôle avant paiement prévient les dépenses non conformes, tandis que le contrôle après paiement garantit la complétude des justificatifs et de la comptabilisation.",{"type":243,"attrs":987,"content":988},{"level":245,"textAlign":26},[989],{"text":990,"type":179,"marks":991},"Comment piloter un portefeuille de cartes entreprise ?",[992],{"type":206},{"type":173,"attrs":994,"content":995},{"textAlign":26,"key":499},[996,998,1002],{"text":997,"type":179},"La gestion quotidienne d’un parc de cartes dépasse le simple paramétrage des plafonds. Dès que plusieurs collaborateurs disposent d’une carte, l’équipe finance doit pouvoir suivre ",{"text":999,"type":179,"marks":1000},"les porteurs, les limites, les transactions et les accès",[1001],{"type":206},{"text":1003,"type":179}," depuis une même interface.",{"type":243,"attrs":1005,"content":1006},{"level":343,"textAlign":26},[1007],{"text":1008,"type":179,"marks":1009},"Pourquoi attribuer chaque carte nominativement ?",[1010],{"type":206},{"type":173,"attrs":1012,"content":1013},{"textAlign":26,"key":508},[1014],{"text":1015,"type":179},"Chaque carte doit être rattachée à un seul collaborateur. Une carte partagée entre plusieurs personnes brouille la traçabilité et empêche d’appliquer un plafond adapté au profil de chaque utilisateur.",{"type":232,"attrs":1017},{"id":234,"body":1018},[1019],{"_uid":1020,"asset":1021,"caption":52,"component":316},"i-42459177-c244-4238-aa56-1b1c8ed2f156",{"id":1022,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1023,"copyright":52,"fieldtype":154,"meta_data":1024,"is_external_url":29},208918519163164,"https://a.storyblok.com/f/146026/1600x1067/6391d7c2f9/dts_grand_design_daniel_faro_photos_id4129.jpg",{"size":1025},"1600x1067",{"type":173,"attrs":1027,"content":1028},{"textAlign":26,"key":519},[1029,1031,1035],{"text":1030,"type":179},"L’attribution nominative permet de relier chaque transaction à ",{"text":1032,"type":179,"marks":1033},"un responsable identifié",[1034],{"type":206},{"text":1036,"type":179},". Elle facilite également les relances lorsqu’un justificatif manque ou lorsqu’une dépense nécessite une explication.",{"type":173,"attrs":1038,"content":1039},{"textAlign":26,"key":528},[1040,1042,1049],{"text":1041,"type":179},"Les cartes partagées peuvent également créer des difficultés lors de la gestion des départs et des changements d’équipe. Pour approfondir ce sujet, consultez notre article sur la ",{"text":1043,"type":179,"marks":1044},"carte bancaire d’entreprise partagée",[1045,1048],{"type":301,"attrs":1046},{"href":1047,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/carte-entreprise-partagee/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1051,"content":1052},{"level":343,"textAlign":26},[1053],{"text":1054,"type":179,"marks":1055},"Pourquoi centraliser la gestion des cartes ?",[1056],{"type":206},{"type":173,"attrs":1058,"content":1059},{"textAlign":26,"key":537},[1060],{"text":1061,"type":179},"Un tableau de bord centralisé doit permettre de visualiser :",{"type":569,"content":1063},[1064,1071,1078,1085,1092,1099,1106],{"type":572,"content":1065},[1066],{"type":173,"attrs":1067,"content":1068},{"textAlign":26,"key":543},[1069],{"text":1070,"type":179},"les cartes actives ;",{"type":572,"content":1072},[1073],{"type":173,"attrs":1074,"content":1075},{"textAlign":26,"key":549},[1076],{"text":1077,"type":179},"les plafonds ;",{"type":572,"content":1079},[1080],{"type":173,"attrs":1081,"content":1082},{"textAlign":26,"key":564},[1083],{"text":1084,"type":179},"les dernières transactions ;",{"type":572,"content":1086},[1087],{"type":173,"attrs":1088,"content":1089},{"textAlign":26,"key":576},[1090],{"text":1091,"type":179},"les demandes en attente ;",{"type":572,"content":1093},[1094],{"type":173,"attrs":1095,"content":1096},{"textAlign":26,"key":584},[1097],{"text":1098,"type":179},"les cartes bloquées ;",{"type":572,"content":1100},[1101],{"type":173,"attrs":1102,"content":1103},{"textAlign":26,"key":592},[1104],{"text":1105,"type":179},"les justificatifs manquants ;",{"type":572,"content":1107},[1108],{"type":173,"attrs":1109,"content":1110},{"textAlign":26,"key":600},[1111],{"text":1112,"type":179},"les dépenses par équipe ou par catégorie.",{"type":173,"attrs":1114,"content":1115},{"textAlign":26,"key":608},[1116,1118],{"text":1117,"type":179},"Cette vision évite de naviguer entre plusieurs fichiers ou interfaces bancaires pour reconstituer la situation du portefeuille. ",{"text":1119,"type":179,"marks":1120},"La finance peut repérer plus rapidement les anomalies et agir avant la clôture.",[1121],{"type":206},{"type":243,"attrs":1123,"content":1124},{"level":343,"textAlign":26},[1125],{"text":1126,"type":179,"marks":1127},"Faut-il formaliser une charte d’utilisation ?",[1128],{"type":206},{"type":173,"attrs":1130,"content":1131},{"textAlign":26,"key":616},[1132],{"text":1133,"type":179},"Une charte d’utilisation n’est pas toujours légalement obligatoire, mais elle clarifie les règles applicables à chaque porteur.",{"type":173,"attrs":1135,"content":1136},{"textAlign":26,"key":624},[1137],{"text":1138,"type":179},"Elle peut préciser :",{"type":569,"content":1140},[1141,1148,1155,1162,1169,1176,1183],{"type":572,"content":1142},[1143],{"type":173,"attrs":1144,"content":1145},{"textAlign":26,"key":630},[1146],{"text":1147,"type":179},"les dépenses autorisées ;",{"type":572,"content":1149},[1150],{"type":173,"attrs":1151,"content":1152},{"textAlign":26,"key":647},[1153],{"text":1154,"type":179},"les catégories interdites ;",{"type":572,"content":1156},[1157],{"type":173,"attrs":1158,"content":1159},{"textAlign":26,"key":653},[1160],{"text":1161,"type":179},"le délai de transmission des justificatifs ;",{"type":572,"content":1163},[1164],{"type":173,"attrs":1165,"content":1166},{"textAlign":26,"key":659},[1167],{"text":1168,"type":179},"les règles de demande d’augmentation de plafond ;",{"type":572,"content":1170},[1171],{"type":173,"attrs":1172,"content":1173},{"textAlign":26,"key":670},[1174],{"text":1175,"type":179},"les niveaux d’approbation ;",{"type":572,"content":1177},[1178],{"type":173,"attrs":1179,"content":1180},{"textAlign":26,"key":691},[1181],{"text":1182,"type":179},"les comportements à adopter en cas de perte ou de vol ;",{"type":572,"content":1184},[1185],{"type":173,"attrs":1186,"content":1187},{"textAlign":26,"key":707},[1188],{"text":1189,"type":179},"les conséquences d’un usage personnel.",{"type":173,"attrs":1191,"content":1192},{"textAlign":26,"key":717},[1193,1195,1199],{"text":1194,"type":179},"Une charte bien rédigée facilite ",{"text":1196,"type":179,"marks":1197},"l’intégration des nouveaux collaborateurs",[1198],{"type":206},{"text":1200,"type":179}," et donne un cadre commun aux équipes.",{"type":243,"attrs":1202,"content":1203},{"level":343,"textAlign":26},[1204],{"text":1205,"type":179,"marks":1206},"Que faire lors du départ d’un collaborateur ?",[1207],{"type":206},{"type":173,"attrs":1209,"content":1210},{"textAlign":26,"key":725},[1211],{"text":1212,"type":179},"La carte doit être désactivée dès le départ du collaborateur, ou dès que son accès aux dépenses de l’entreprise n’est plus nécessaire.",{"type":173,"attrs":1214,"content":1215},{"textAlign":26,"key":733},[1216],{"text":1217,"type":179},"Intégrez cette étape au processus d’offboarding avec les ressources humaines. Vérifiez également les abonnements récurrents, les cartes virtuelles et les autorisations liées au porteur.",{"type":173,"attrs":1219,"content":1220},{"textAlign":26,"key":741},[1221],{"text":1222,"type":179,"marks":1223},"Une carte inactive mais toujours disponible reste une source de risque inutile.",[1224],{"type":206},{"type":243,"attrs":1226,"content":1227},{"level":245,"textAlign":26},[1228],{"text":1229,"type":179,"marks":1230},"Comment protéger les cartes contre la fraude ?",[1231],{"type":206},{"type":173,"attrs":1233,"content":1234},{"textAlign":26,"key":749},[1235,1237,1241],{"text":1236,"type":179},"La sécurité repose sur plusieurs couches. Une entreprise doit pouvoir ",{"text":1238,"type":179,"marks":1239},"prévenir la transaction, limiter son montant, détecter une anomalie et bloquer rapidement la carte",[1240],{"type":206},{"text":208,"type":179},{"type":243,"attrs":1243,"content":1244},{"level":343,"textAlign":26},[1245],{"text":1246,"type":179,"marks":1247},"Comment réagir en cas de perte ou de vol ?",[1248],{"type":206},{"type":173,"attrs":1250,"content":1251},{"textAlign":26,"key":755},[1252],{"text":1253,"type":179},"Une carte physique perdue ou volée doit pouvoir être bloquée immédiatement. Le titulaire ou l’équipe finance doit disposer d’une interface simple pour suspendre la carte, vérifier les dernières transactions et signaler une opération inconnue.",{"type":173,"attrs":1255,"content":1257},{"textAlign":26,"key":1256},"p-52",[1258,1260],{"text":1259,"type":179},"Une directrice administrative constate la disparition du portefeuille d’un consultant lors d’un déplacement à Lyon. Elle suspend la carte depuis son interface et vérifie les transactions récentes. ",{"text":1261,"type":179,"marks":1262},"La rapidité du blocage limite la fenêtre pendant laquelle une utilisation frauduleuse peut avoir lieu.",[1263],{"type":206},{"type":173,"attrs":1265,"content":1267},{"textAlign":26,"key":1266},"p-53",[1268,1270,1277],{"text":1269,"type":179},"Pour approfondir les bonnes pratiques, consultez notre article sur la ",{"text":1271,"type":179,"marks":1272},"sécurité des paiements en ligne",[1273,1276],{"type":301,"attrs":1274},{"href":1275,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/securite-paiements-en-ligne/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1279,"content":1280},{"level":343,"textAlign":26},[1281],{"text":1282,"type":179,"marks":1283},"Pourquoi limiter les retraits d’espèces ?",[1284],{"type":206},{"type":173,"attrs":1286,"content":1288},{"textAlign":26,"key":1287},"p-54",[1289],{"text":1290,"type":179},"Les retraits d’espèces sont souvent plus difficiles à tracer et à rattacher à un justificatif qu’un paiement par carte.",{"type":173,"attrs":1292,"content":1294},{"textAlign":26,"key":1293},"p-55",[1295,1297],{"text":1296,"type":179},"Sauf besoin professionnel clairement identifié, désactivez cette fonction ou limitez-la à un montant faible. ",{"text":1298,"type":179,"marks":1299},"La restriction des retraits réduit l’exposition à une utilisation difficile à contrôler.",[1300],{"type":206},{"type":243,"attrs":1302,"content":1303},{"level":343,"textAlign":26},[1304],{"text":1305,"type":179,"marks":1306},"Comment bloquer certaines catégories de marchands ?",[1307],{"type":206},{"type":173,"attrs":1309,"content":1311},{"textAlign":26,"key":1310},"p-56",[1312],{"text":1313,"type":179},"Les restrictions par catégorie de marchand permettent d’empêcher les paiements dans des secteurs qui ne correspondent pas à la politique de dépenses.",{"type":173,"attrs":1315,"content":1317},{"textAlign":26,"key":1316},"p-57",[1318],{"text":1319,"type":179},"Une entreprise peut par exemple bloquer :",{"type":569,"content":1321},[1322,1330,1338,1346,1354],{"type":572,"content":1323},[1324],{"type":173,"attrs":1325,"content":1327},{"textAlign":26,"key":1326},"p-58",[1328],{"text":1329,"type":179},"les casinos ;",{"type":572,"content":1331},[1332],{"type":173,"attrs":1333,"content":1335},{"textAlign":26,"key":1334},"p-59",[1336],{"text":1337,"type":179},"les sites de jeux en ligne ;",{"type":572,"content":1339},[1340],{"type":173,"attrs":1341,"content":1343},{"textAlign":26,"key":1342},"p-60",[1344],{"text":1345,"type":179},"certains distributeurs de billets ;",{"type":572,"content":1347},[1348],{"type":173,"attrs":1349,"content":1351},{"textAlign":26,"key":1350},"p-61",[1352],{"text":1353,"type":179},"des marchands situés dans des zones géographiques non couvertes ;",{"type":572,"content":1355},[1356],{"type":173,"attrs":1357,"content":1359},{"textAlign":26,"key":1358},"p-62",[1360],{"text":1361,"type":179},"des catégories sans rapport avec l’activité.",{"type":173,"attrs":1363,"content":1365},{"textAlign":26,"key":1364},"p-63",[1366],{"text":1367,"type":179},"Le paramétrage doit toutefois prévoir des exceptions lorsque l’activité de certains collaborateurs l’exige.",{"type":243,"attrs":1369,"content":1370},{"level":343,"textAlign":26},[1371],{"text":1372,"type":179,"marks":1373},"Les paiements en ligne nécessitent-ils une authentification forte ?",[1374],{"type":206},{"type":173,"attrs":1376,"content":1378},{"textAlign":26,"key":1377},"p-64",[1379,1381,1385],{"text":1380,"type":179},"Les paiements en ligne sont soumis à l’authentification forte du client dans les situations prévues par la réglementation, avec certaines exemptions. Cette authentification peut combiner ",{"text":1382,"type":179,"marks":1383},"deux facteurs distincts",[1384],{"type":206},{"text":1386,"type":179},", comme un élément connu du titulaire, un appareil détenu ou une donnée biométrique.",{"type":173,"attrs":1388,"content":1390},{"textAlign":26,"key":1389},"p-65",[1391,1393,1400],{"text":1392,"type":179},"Le 3-D Secure ajoute une étape de validation lors de certains paiements à distance. Consultez les informations de ",{"text":1394,"type":179,"marks":1395},"Service-Public sur l’authentification des paiements en ligne",[1396,1399],{"type":301,"attrs":1397},{"href":1398,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.service-public.fr/particuliers/vosdroits/F10486",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1402,"content":1403},{"level":343,"textAlign":26},[1404],{"text":1405,"type":179,"marks":1406},"Pourquoi utiliser des cartes virtuelles à usage unique ?",[1407],{"type":206},{"type":173,"attrs":1409,"content":1411},{"textAlign":26,"key":1410},"p-66",[1412,1414,1418],{"text":1413,"type":179},"Les cartes virtuelles à usage unique sont adaptées aux achats en ligne ponctuels. Elles peuvent être créées pour ",{"text":1415,"type":179,"marks":1416},"un montant, un fournisseur ou une dépense précise",[1417],{"type":206},{"text":1419,"type":179},", puis devenir inutilisables après le paiement.",{"type":173,"attrs":1421,"content":1423},{"textAlign":26,"key":1422},"p-67",[1424],{"text":1425,"type":179},"Elles limitent le risque lié à la fuite des données de carte chez un commerçant. Pour un abonnement, une carte virtuelle récurrente peut également être plafonnée au montant prévu et limitée au fournisseur concerné.",{"type":173,"attrs":1427,"content":1429},{"textAlign":26,"key":1428},"p-68",[1430,1432,1439],{"text":1431,"type":179},"Pour en savoir plus, consultez notre article sur ",{"text":1433,"type":179,"marks":1434},"la carte bancaire virtuelle",[1435,1438],{"type":301,"attrs":1436},{"href":1437,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/e-carte-bleue-fonctionnement-avantages/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1441,"content":1442},{"level":343,"textAlign":26},[1443],{"text":1444,"type":179,"marks":1445},"Que disent les dernières données sur la fraude à la carte ?",[1446],{"type":206},{"type":173,"attrs":1448,"content":1450},{"textAlign":26,"key":1449},"p-69",[1451,1453,1457],{"text":1452,"type":179},"Le rapport 2024 de l’Observatoire de la sécurité des moyens de paiement indique que le taux de fraude sur les cartes émises en France s’est stabilisé à ",{"text":1454,"type":179,"marks":1455},"53 euros pour 100 000 euros de paiements",[1456],{"type":206},{"text":1458,"type":179},", son niveau le plus bas depuis trois ans.",{"type":173,"attrs":1460,"content":1462},{"textAlign":26,"key":1461},"p-70",[1463,1465,1469,1471,1478],{"text":1464,"type":179},"Le montant total de la fraude aux moyens de paiement est resté inférieur à ",{"text":1466,"type":179,"marks":1467},"1,2 milliard d’euros",[1468],{"type":206},{"text":1470,"type":179}," en France. Ces chiffres ne dispensent pas les entreprises de mettre en place des contrôles adaptés, en particulier lorsqu’elles multiplient les cartes et les achats en ligne. Consultez le ",{"text":1472,"type":179,"marks":1473},"rapport 2024 de la Banque de France et de l’OSMP",[1474,1477],{"type":301,"attrs":1475},{"href":1476,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2024",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1480,"content":1481},{"level":245,"textAlign":26},[1482],{"text":1483,"type":179,"marks":1484},"Carte entreprise ou note de frais : quelle solution choisir ?",[1485],{"type":206},{"type":173,"attrs":1487,"content":1489},{"textAlign":26,"key":1488},"p-71",[1490],{"text":1491,"type":179},"La note de frais classique repose sur un contrôle principalement réalisé après paiement. Le salarié avance les fonds, conserve le justificatif, saisit sa demande et attend le remboursement.",{"type":173,"attrs":1493,"content":1495},{"textAlign":26,"key":1494},"p-72",[1496,1498,1502],{"text":1497,"type":179},"La carte entreprise plafonnée inverse cette logique. Le collaborateur dépense dans ",{"text":1499,"type":179,"marks":1500},"une enveloppe préalablement définie",[1501],{"type":206},{"text":1503,"type":179},", la transaction apparaît immédiatement et le justificatif peut être associé au paiement.",{"type":356,"content":1505},[1506,1541,1570,1598,1627,1655,1684],{"type":359,"content":1507},[1508,1519,1530],{"type":362,"attrs":1509,"content":1510},{"colspan":364,"rowspan":364,"colwidth":26},[1511],{"type":173,"attrs":1512,"content":1514},{"textAlign":26,"key":1513},"p-73",[1515],{"text":1516,"type":179,"marks":1517},"Situation",[1518],{"type":206},{"type":362,"attrs":1520,"content":1521},{"colspan":364,"rowspan":364,"colwidth":26},[1522],{"type":173,"attrs":1523,"content":1525},{"textAlign":26,"key":1524},"p-74",[1526],{"text":1527,"type":179,"marks":1528},"Carte entreprise 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règles paramétrées",{"type":399,"attrs":1591,"content":1592},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1593],{"type":173,"attrs":1594,"content":1596},{"textAlign":26,"key":1595},"p-81",[1597],{"text":1560,"type":179},{"type":359,"content":1599},[1600,1609,1618],{"type":399,"attrs":1601,"content":1602},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1603],{"type":173,"attrs":1604,"content":1606},{"textAlign":26,"key":1605},"p-82",[1607],{"text":1608,"type":179},"Visibilité sur la transaction",{"type":399,"attrs":1610,"content":1611},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1612],{"type":173,"attrs":1613,"content":1615},{"textAlign":26,"key":1614},"p-83",[1616],{"text":1617,"type":179},"Immédiate",{"type":399,"attrs":1619,"content":1620},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1621],{"type":173,"attrs":1622,"content":1624},{"textAlign":26,"key":1623},"p-84",[1625],{"text":1626,"type":179},"Après 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paiement",{"type":359,"content":1656},[1657,1666,1675],{"type":399,"attrs":1658,"content":1659},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1660],{"type":173,"attrs":1661,"content":1663},{"textAlign":26,"key":1662},"p-88",[1664],{"text":1665,"type":179},"Justificatif",{"type":399,"attrs":1667,"content":1668},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1669],{"type":173,"attrs":1670,"content":1672},{"textAlign":26,"key":1671},"p-89",[1673],{"text":1674,"type":179},"Capturé après la transaction",{"type":399,"attrs":1676,"content":1677},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1678],{"type":173,"attrs":1679,"content":1681},{"textAlign":26,"key":1680},"p-90",[1682],{"text":1683,"type":179},"Transmis par le salarié",{"type":359,"content":1685},[1686,1695,1704],{"type":399,"attrs":1687,"content":1688},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1689],{"type":173,"attrs":1690,"content":1692},{"textAlign":26,"key":1691},"p-91",[1693],{"text":1694,"type":179},"Cas particulier",{"type":399,"attrs":1696,"content":1697},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1698],{"type":173,"attrs":1699,"content":1701},{"textAlign":26,"key":1700},"p-92",[1702],{"text":1703,"type":179},"Dépenses récurrentes ou encadrées",{"type":399,"attrs":1705,"content":1706},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1707],{"type":173,"attrs":1708,"content":1710},{"textAlign":26,"key":1709},"p-93",[1711],{"text":1712,"type":179},"Dépense exceptionnelle ou commerçant n’acceptant pas la carte",{"type":173,"attrs":1714,"content":1716},{"textAlign":26,"key":1715},"p-94",[1717,1719,1723],{"text":1718,"type":179},"Un chef de projet réserve un hôtel à 800 € pour un séminaire. Avec une note de frais, il avance la somme et attend son remboursement. Avec une carte entreprise, ",{"text":1720,"type":179,"marks":1721},"la dépense est visible immédiatement et ne nécessite pas d’avance personnelle",[1722],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1725,"content":1727},{"textAlign":26,"key":1726},"p-95",[1728],{"text":1729,"type":179},"La note de frais reste pertinente lorsqu’un fournisseur n’accepte pas la carte, lorsqu’une dépense est exceptionnelle ou lorsqu’un collaborateur doit payer dans une situation imprévue.",{"type":173,"attrs":1731,"content":1733},{"textAlign":26,"key":1732},"p-96",[1734,1736,1740],{"text":1735,"type":179},"L’objectif n’est donc pas de supprimer toutes les notes de frais, mais de réserver ce processus aux situations où ",{"text":1737,"type":179,"marks":1738},"la carte entreprise n’apporte pas de bénéfice réel",[1739],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1742,"content":1744},{"textAlign":26,"key":1743},"p-97",[1745,1747,1754],{"text":1746,"type":179},"Pour approfondir la comparaison, consultez notre article sur la ",{"text":1748,"type":179,"marks":1749},"gestion des dépenses en entreprise",[1750,1753],{"type":301,"attrs":1751},{"href":1752,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/gestion-des-depenses/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1756,"content":1757},{"level":245,"textAlign":26},[1758],{"text":1759,"type":179,"marks":1760},"Comment mettre en place une politique de contrôle efficace ?",[1761],{"type":206},{"type":173,"attrs":1763,"content":1765},{"textAlign":26,"key":1764},"p-98",[1766],{"text":1767,"type":179},"Commencez par cartographier les profils de dépenses. Identifiez les collaborateurs qui ont besoin d’une carte, les catégories concernées, les montants moyens et les situations exceptionnelles.",{"type":173,"attrs":1769,"content":1771},{"textAlign":26,"key":1770},"p-99",[1772],{"text":1773,"type":179},"Paramétrez ensuite les plafonds par utilisateur et par catégorie. Prévoyez des limites temporaires pour les événements ponctuels, plutôt que des plafonds permanents élevés.",{"type":173,"attrs":1775,"content":1777},{"textAlign":26,"key":1776},"p-100",[1778,1780,1784],{"text":1779,"type":179},"Formalisez les règles dans une politique de dépenses. Elle doit préciser ",{"text":1781,"type":179,"marks":1782},"les catégories autorisées, les justificatifs attendus, les règles de validation et la conduite à tenir en cas de perte ou de fraude",[1783],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1786,"content":1788},{"textAlign":26,"key":1787},"p-101",[1789],{"text":1790,"type":179},"Enfin, organisez une revue trimestrielle. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":173,"content":3539},[3540],{"text":3541,"type":179},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. 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00:00",[],"Omnibus CSRD 2026 : seuils de 1 000 salariés et 450 M€, calendrier révisé, VSME et actions à prévoir pour les DAF et les entreprises.\n",[],[3678],{"cta":3679,"_uid":3680,"items":3681,"heading":3759,"reverse":29,"component":1977,"sectionSettings":3783},[],"72e4f3db-ca09-4f67-905a-cbe932d89f63",[3682,3699,3716,3727,3744],{"_uid":3683,"hide":29,"title":3684,"component":1866,"description":3685},"181c2e80-937b-4dbb-b6ca-5a80d3e17ab4","Quelles entreprises restent soumises à la CSRD après l’Omnibus ?",{"type":170,"attrs":3686,"content":3687},{"backgroundColor":26},[3688],{"type":173,"attrs":3689,"content":3690},{"textAlign":26},[3691,3693,3697],{"text":3692,"type":179},"Les entreprises qui dépassent simultanément ",{"text":3694,"type":179,"marks":3695},"1 000 salariés et 450 millions d’euros de chiffre d’affaires net",[3696],{"type":206},{"text":3698,"type":179}," restent dans le périmètre obligatoire de la CSRD révisée. Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":3700,"hide":29,"title":3701,"component":1866,"description":3702},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":170,"attrs":3703,"content":3704},{"backgroundColor":26},[3705],{"type":173,"attrs":3706,"content":3707},{"textAlign":26},[3708,3710,3714],{"text":3709,"type":179},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":3711,"type":179,"marks":3712},"2028 sur l’exercice 2027",[3713],{"type":206},{"text":3715,"type":179},". Les entreprises déjà soumises doivent vérifier les mesures transitoires et le calendrier des standards ESRS révisés.",{"_uid":3717,"hide":29,"title":3718,"component":1866,"description":3719},"bd07e345-9e90-4df4-8021-4462f9f31742","Un grand client peut-il demander un reporting ESRS complet à une PME exemptée ?",{"type":170,"attrs":3720,"content":3721},{"backgroundColor":26},[3722],{"type":173,"attrs":3723,"content":3724},{"textAlign":26},[3725],{"text":3726,"type":179},"Non, pas automatiquement. Le plafonnement de la chaîne de valeur limite les informations qu’une entreprise soumise à la CSRD peut demander à un fournisseur de 1 000 salariés ou moins. Les demandes doivent s’appuyer sur le contenu du standard volontaire applicable.",{"_uid":3728,"hide":29,"title":3729,"component":1866,"description":3730},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":170,"attrs":3731,"content":3732},{"backgroundColor":26},[3733],{"type":173,"attrs":3734,"content":3735},{"textAlign":26},[3736,3738,3742],{"text":3737,"type":179},"Le VSME permet à une PME de structurer ",{"text":3739,"type":179,"marks":3740},"un socle volontaire et proportionné de données de durabilité",[3741],{"type":206},{"text":3743,"type":179},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":3745,"hide":29,"title":3746,"component":1866,"description":3747},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":170,"attrs":3748,"content":3749},{"backgroundColor":26},[3750],{"type":173,"attrs":3751,"content":3752},{"textAlign":26},[3753,3755],{"text":3754,"type":179},"L’Omnibus réduit le périmètre obligatoire de la CSRD, mais il ne supprime pas les demandes de données ESG dans les relations commerciales. ",{"text":3756,"type":179,"marks":3757},"La priorité consiste donc à clarifier votre statut, puis à fiabiliser les informations que vos clients peuvent vous demander.",[3758],{"type":206},[3760],{"cta":3761,"_uid":3762,"title":3763,"eyebrow":3771,"subtitle":3778,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3781,"sectionSettings":3782,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"cbaf1c9f-32d2-4f32-9c41-f2aeab756a1a",{"type":170,"attrs":3764,"content":3765},{"backgroundColor":26},[3766],{"type":243,"attrs":3767,"content":3768},{"level":245,"textAlign":26},[3769],{"text":3770,"type":179},"Questions fréquentes sur l'Omnibus et la 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Une CCA concerne une charge déjà comptabilisée, mais qui relève en tout ou partie de l’exercice suivant.",{"_uid":3872,"hide":29,"title":3873,"component":1866,"description":3874},"4540fc40-ceed-4b1e-bd58-d6b959b77b91","Une charge constatée d’avance a-t-elle un impact sur la TVA ?",{"type":170,"attrs":3875,"content":3876},{"backgroundColor":26},[3877],{"type":173,"attrs":3878,"content":3879},{"textAlign":26},[3880],{"text":3881,"type":179},"Non. La CCA est enregistrée hors taxes, car la facture initiale a déjà été comptabilisée avec sa TVA. La régularisation porte uniquement sur la charge et ne génère pas de nouveau mouvement de TVA.",{"_uid":3883,"hide":29,"title":3884,"component":1866,"description":3885},"14b5a143-d63c-4d94-81a3-8da36fe06104","Faut-il extourner les écritures de FNP et de CCA ?",{"type":170,"attrs":3886,"content":3887},{"backgroundColor":26},[3888],{"type":173,"attrs":3889,"content":3890},{"textAlign":26},[3891,3893,3897],{"text":3892,"type":179},"Oui, ces écritures d’inventaire sont généralement extournées à l’ouverture de l’exercice suivant. Cette contrepassation évite ",{"text":3894,"type":179,"marks":3895},"une double comptabilisation de la charge",[3896],{"type":206},{"text":3898,"type":179}," lorsque la facture définitive est reçue ou lorsque la charge doit être enregistrée sur le nouvel exercice.",{"_uid":3900,"hide":29,"title":3901,"component":1866,"description":3902},"1987f18a-9b7a-49bc-bd20-4f78eb2c1c8b","Une dépense par carte sans justificatif à la clôture est-elle une FNP ou une CCA ?",{"type":170,"attrs":3903,"content":3904},{"backgroundColor":26},[3905],{"type":173,"attrs":3906,"content":3907},{"textAlign":26},[3908,3910,3914],{"text":3909,"type":179},"La date du débit ne suffit pas à trancher. Si le service a été consommé en N mais que la charge n’est pas encore enregistrée et que la facture n’est pas reçue, une FNP peut être nécessaire. Si le paiement concerne une période future, une CCA peut s’appliquer. Si la charge est déjà comptabilisée et que seul le justificatif manque, il s’agit d’abord ",{"text":3911,"type":179,"marks":3912},"d’un problème de documentation à régulariser",[3913],{"type":206},{"text":3915,"type":179},", pas automatiquement d’une FNP.",{"_uid":3917,"hide":29,"title":3918,"component":1866,"description":3919},"101a8df6-3b5c-4296-bb3f-1962954dd7ac","Comment préparer une clôture fiable ?",{"type":170,"attrs":3920,"content":3921},{"backgroundColor":26},[3922],{"type":173,"attrs":3923,"content":3924},{"textAlign":26},[3925,3927,3931],{"text":3926,"type":179},"Le rattachement des charges repose sur ",{"text":3928,"type":179,"marks":3929},"la date de consommation, la qualité des justificatifs et la cohérence des écritures d’inventaire",[3930],{"type":206},{"text":208,"type":179},[3933],{"cta":3934,"_uid":3935,"title":3936,"eyebrow":3946,"subtitle":3953,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3956,"sectionSettings":3957,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"690c5f77-34fa-4645-95b8-2b0eed939a4f",{"type":170,"attrs":3937,"content":3938},{"backgroundColor":26},[3939],{"type":243,"attrs":3940,"content":3941},{"level":245,"textAlign":26},[3942],{"text":3943,"type":179,"marks":3944},"Questions fréquentes sur les FNP, les CCA et les dépenses par 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00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[4012],{"cta":4013,"_uid":4014,"items":4015,"heading":4082,"reverse":29,"component":1977,"sectionSettings":4106},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[4016,4027,4038,4049,4060,4071],{"_uid":4017,"hide":29,"title":4018,"component":1866,"description":4019},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?",{"type":170,"attrs":4020,"content":4021},{"backgroundColor":26},[4022],{"type":173,"attrs":4023,"content":4024},{"textAlign":26},[4025],{"text":4026,"type":179},"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":4028,"hide":29,"title":4029,"component":1866,"description":4030},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":170,"attrs":4031,"content":4032},{"backgroundColor":26},[4033],{"type":173,"attrs":4034,"content":4035},{"textAlign":26},[4036],{"text":4037,"type":179},"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":4039,"hide":29,"title":4040,"component":1866,"description":4041},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":170,"attrs":4042,"content":4043},{"backgroundColor":26},[4044],{"type":173,"attrs":4045,"content":4046},{"textAlign":26},[4047],{"text":4048,"type":179},"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":4050,"hide":29,"title":4051,"component":1866,"description":4052},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":170,"attrs":4053,"content":4054},{"backgroundColor":26},[4055],{"type":173,"attrs":4056,"content":4057},{"textAlign":26},[4058],{"text":4059,"type":179},"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":4061,"hide":29,"title":4062,"component":1866,"description":4063},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":170,"attrs":4064,"content":4065},{"backgroundColor":26},[4066],{"type":173,"attrs":4067,"content":4068},{"textAlign":26},[4069],{"text":4070,"type":179},"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":4072,"hide":29,"title":4073,"component":1866,"description":4074},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":170,"attrs":4075,"content":4076},{"backgroundColor":26},[4077],{"type":173,"attrs":4078,"content":4079},{"textAlign":26},[4080],{"text":4081,"type":179},"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.",[4083],{"cta":4084,"_uid":4085,"title":4086,"layout":52,"eyebrow":4094,"subtitle":4101,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4104,"sectionSettings":4105,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":170,"attrs":4087,"content":4088},{"backgroundColor":26},[4089],{"type":243,"attrs":4090,"content":4091},{"level":245,"textAlign":26},[4092],{"text":4093,"type":179},"Questions fréquentes sur les logiciels de suivi 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[4161],{"cta":4162,"_uid":4163,"items":4164,"heading":4326,"reverse":29,"component":1977,"sectionSettings":4350},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[4165,4185,4212,4234,4249],{"_uid":4166,"hide":29,"title":4167,"component":1866,"description":4168},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":170,"attrs":4169,"content":4170},{"backgroundColor":26},[4171,4180],{"type":173,"attrs":4172,"content":4173},{"textAlign":26},[4174,4178],{"text":4175,"type":179,"marks":4176},"Dans le régime général, non.",[4177],{"type":206},{"text":4179,"type":179}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":173,"attrs":4181,"content":4182},{"textAlign":26},[4183],{"text":4184,"type":179},"Certaines exceptions 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Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":4186,"hide":29,"title":4187,"component":1866,"description":4188},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":170,"attrs":4189,"content":4190},{"backgroundColor":26},[4191,4202],{"type":173,"attrs":4192,"content":4193},{"textAlign":26},[4194,4196,4200],{"text":4195,"type":179},"Une facture périodique doit être réglée au plus tard ",{"text":4197,"type":179,"marks":4198},"45 jours après sa date d’émission",[4199],{"type":206},{"text":4201,"type":179},", sans report en fin de mois.",{"type":173,"attrs":4203,"content":4204},{"textAlign":26},[4205,4207,4211],{"text":4206,"type":179},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":4208,"type":179,"marks":4209},"15 décembre 2026",[4210],{"type":206},{"text":208,"type":179},{"_uid":4213,"hide":29,"title":4214,"component":1866,"description":4215},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":170,"attrs":4216,"content":4217},{"backgroundColor":26},[4218,4229],{"type":173,"attrs":4219,"content":4220},{"textAlign":26},[4221,4223,4227],{"text":4222,"type":179},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":4224,"type":179,"marks":4225},"50 jours en 2024",[4226],{"type":206},{"text":4228,"type":179},", hors microentreprises.",{"type":173,"attrs":4230,"content":4231},{"textAlign":26},[4232],{"text":4233,"type":179},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":4235,"hide":29,"title":4236,"component":1866,"description":4237},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":170,"attrs":4238,"content":4239},{"backgroundColor":26},[4240],{"type":173,"attrs":4241,"content":4242},{"textAlign":26},[4243,4247],{"text":4244,"type":179,"marks":4245},"Elle change le circuit de traitement, mais pas les délais légaux.",[4246],{"type":206},{"text":4248,"type":179}," 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":4250,"hide":29,"title":4251,"component":1866,"description":4252},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":170,"attrs":4253,"content":4254},{"backgroundColor":26},[4255,4265,4275,4280,4287,4292,4315],{"type":173,"attrs":4256,"content":4257},{"textAlign":26},[4258,4260,4264],{"text":4259,"type":179},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit ",{"text":4261,"type":179,"marks":4262},"12,40 % au second semestre 2026",[4263],{"type":206},{"text":208,"type":179},{"type":173,"attrs":4266,"content":4267},{"textAlign":26},[4268,4270,4274],{"text":4269,"type":179},"À cela s’ajoute l’indemnité forfaitaire de ",{"text":4271,"type":179,"marks":4272},"40 € par facture",[4273],{"type":206},{"text":208,"type":179},{"type":173,"attrs":4276,"content":4277},{"textAlign":26},[4278],{"text":4279,"type":179},"Pour une facture de 5 000 € TTC réglée avec 45 jours de retard :",{"type":173,"attrs":4281,"content":4282},{"textAlign":26},[4283],{"text":4284,"type":179,"marks":4285},"5 000 × 12,40 % × 45 / 365 = 76,44 €",[4286],{"type":206},{"type":173,"attrs":4288,"content":4289},{"textAlign":26},[4290],{"text":4291,"type":179},"Il faut donc ajouter 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