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Vous n'avez vu que 15 € sur la facture. Les 85 € restants ? ",[87],{"type":88,"attrs":89},"textStyle",{"color":90},"#000000",{"text":92,"type":59,"marks":93},"Dissimulés dans",[94],{"type":88,"attrs":95},{"color":96},"#111418",{"text":98,"type":59,"marks":99}," le taux de change.",[100],{"type":88,"attrs":101},{"color":90},{"type":55,"attrs":103,"content":105},{"textAlign":61,"key":104},"p-1",[106],{"text":107,"type":59,"marks":108},"Les équipes financières perdent des milliers d'euros chaque année à cause de ces frais invisibles. Les banques traditionnelles ont perfectionné une procédé simple : afficher des frais de virement faibles ou nuls tout en majorant discrètement le taux de change. Résultat ? Vous payez 115 € pour un virement qui devrait coûter 47 €*, soit une majoration de 60 % qui n’a jamais acceptée.",[109],{"type":88,"attrs":110},{"color":90},{"type":112,"attrs":113,"content":115},"heading",{"level":114,"textAlign":61},2,[116],{"text":117,"type":59,"marks":118},"Les 115 € que vous ne saviez pas avoir payés",[119],{"type":88,"attrs":120},{"color":90},{"type":55,"attrs":122,"content":124},{"textAlign":61,"key":123},"p-2",[125],{"text":126,"type":59,"marks":127},"Voici ce qui s'est réellement passé lorsque vous avez envoyé ces 10 000 $ à votre fournisseur américain :",[128],{"type":88,"attrs":129},{"color":90},{"type":55,"attrs":131,"content":133},{"textAlign":61,"key":132},"p-3",[134],{"text":135,"type":59,"marks":136},"Ce que votre banque vous a montré :",[137],{"type":88,"attrs":138},{"color":90},{"type":140,"content":141},"bullet_list",[142,154],{"type":143,"content":144},"list_item",[145],{"type":55,"attrs":146,"content":148},{"textAlign":61,"key":147},"p-4",[149],{"text":150,"type":59,"marks":151},"Frais de virement : 15 €*",[152],{"type":88,"attrs":153},{"color":90},{"type":143,"content":155},[156],{"type":55,"attrs":157,"content":159},{"textAlign":61,"key":158},"p-5",[160],{"text":161,"type":59,"marks":162},"« Frais compétitifs »",[163],{"type":88,"attrs":164},{"color":90},{"type":55,"attrs":166,"content":168},{"textAlign":61,"key":167},"p-6",[169],{"text":170,"type":59,"marks":171},"Ce qu’elle vous a caché :",[172],{"type":88,"attrs":173},{"color":90},{"type":140,"content":175},[176,187],{"type":143,"content":177},[178],{"type":55,"attrs":179,"content":181},{"textAlign":61,"key":180},"p-7",[182],{"text":183,"type":59,"marks":184},"Majoration du taux de change : 100 €",[185],{"type":88,"attrs":186},{"color":90},{"type":143,"content":188},[189],{"type":55,"attrs":190,"content":192},{"textAlign":61,"key":191},"p-8",[193,200],{"text":194,"type":59,"marks":195},"Coût total : 115 €",[196,198],{"type":88,"attrs":197},{"color":90},{"type":199},"bold",{"text":201,"type":59,"marks":202},"*",[203],{"type":88,"attrs":204},{"color":90},{"type":55,"attrs":206,"content":208},{"textAlign":61,"key":207},"p-9",[209],{"text":210,"type":59,"marks":211},"Comparez cela au taux du marché (le taux réel sur Google et qu'utilise Spendesk) :",[212],{"type":88,"attrs":213},{"color":90},{"type":140,"content":215},[216,227,238],{"type":143,"content":217},[218],{"type":55,"attrs":219,"content":221},{"textAlign":61,"key":220},"p-10",[222],{"text":223,"type":59,"marks":224},"Frais de virement : 47 €",[225],{"type":88,"attrs":226},{"color":90},{"type":143,"content":228},[229],{"type":55,"attrs":230,"content":232},{"textAlign":61,"key":231},"p-11",[233],{"text":234,"type":59,"marks":235},"Majoration du taux de change : 0 €",[236],{"type":88,"attrs":237},{"color":90},{"type":143,"content":239},[240],{"type":55,"attrs":241,"content":243},{"textAlign":61,"key":242},"p-12",[244,250],{"text":245,"type":59,"marks":246},"Coût total : 47 €",[247,249],{"type":88,"attrs":248},{"color":90},{"type":199},{"text":201,"type":59,"marks":251},[252],{"type":88,"attrs":253},{"color":90},{"type":55,"attrs":255,"content":257},{"textAlign":61,"key":256},"p-13",[258],{"text":259,"type":59,"marks":260},"Même paiement. 68 € de différence.",[261],{"type":88,"attrs":262},{"color":90},{"type":55,"attrs":264,"content":266},{"textAlign":61,"key":265},"p-14",[267],{"text":268,"type":59,"marks":269},"Pourquoi ? Votre banque dissimule le coût réel dans le taux de change. Vous voyez 15 € sur la facture et pensez faire une bonne affaire. En réalité, vous payez 115 €.",[270],{"type":88,"attrs":271},{"color":90},{"type":55,"attrs":273,"content":275},{"textAlign":61,"key":274},"p-15",[276],{"text":277,"type":59,"marks":278},"Vous traitez 100 000 $ de paiements internationaux par mois ? Vous payez donc 8 160 € par an en frais cachés.",[279],{"type":88,"attrs":280},{"color":90},{"type":55,"attrs":282,"content":284},{"textAlign":61,"key":283},"p-16",[285,292,298,304],{"text":286,"type":59,"marks":287},"*Les économies réelles ",[288,290],{"type":88,"attrs":289},{"color":90},{"type":291},"italic",{"text":293,"type":59,"marks":294},"dépendent des volumes de paiements et des taux de change en vigueur",[295,297],{"type":88,"attrs":296},{"color":96},{"type":291},{"text":299,"type":59,"marks":300},". 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R",[337],{"type":88,"attrs":338},{"color":90},{"text":340,"type":59,"marks":341},"ésultat : pour payer un seul fournisseur international, vous devez :",[342],{"type":88,"attrs":343},{"color":96},{"type":345,"attrs":346,"content":349},"ordered_list",{"order":347,"key":348},1,"ol-0",[350,360,370,380,390,400,410],{"type":143,"content":351},[352],{"type":55,"attrs":353,"content":354},{"textAlign":61,"key":123},[355],{"text":356,"type":59,"marks":357},"Approuver la facture dans votre système de comptes fournisseurs.",[358],{"type":88,"attrs":359},{"color":90},{"type":143,"content":361},[362],{"type":55,"attrs":363,"content":364},{"textAlign":61,"key":132},[365],{"text":366,"type":59,"marks":367},"Basculer vers votre portail bancaire.",[368],{"type":88,"attrs":369},{"color":90},{"type":143,"content":371},[372],{"type":55,"attrs":373,"content":374},{"textAlign":61,"key":147},[375],{"text":376,"type":59,"marks":377},"Ressaisir manuellement tous les détails du paiement.",[378],{"type":88,"attrs":379},{"color":90},{"type":143,"content":381},[382],{"type":55,"attrs":383,"content":384},{"textAlign":61,"key":158},[385],{"text":386,"type":59,"marks":387},"Attendre généralement 3 à 5 jours ouvrables avec une visibilité limitée.",[388],{"type":88,"attrs":389},{"color":90},{"type":143,"content":391},[392],{"type":55,"attrs":393,"content":394},{"textAlign":61,"key":167},[395],{"text":396,"type":59,"marks":397},"Souvent relancer la banque pour obtenir des mises à jour.",[398],{"type":88,"attrs":399},{"color":90},{"type":143,"content":401},[402],{"type":55,"attrs":403,"content":404},{"textAlign":61,"key":180},[405],{"text":406,"type":59,"marks":407},"Se reconnecter à votre système comptable pour effectuer le rapprochement.",[408],{"type":88,"attrs":409},{"color":90},{"type":143,"content":411},[412],{"type":55,"attrs":413,"content":414},{"textAlign":61,"key":191},[415],{"text":416,"type":59,"marks":417},"Présenter vos excuses à votre fournisseur pour le retard.",[418],{"type":88,"attrs":419},{"color":90},{"type":55,"attrs":421,"content":422},{"textAlign":61,"key":207},[423],{"text":424,"type":59,"marks":425},"Sept étapes. Trois systèmes différents. Des heures de travail perdues pour un seul paiement. Lorsque votre processus de paiement s’appuie sur plusieurs outils déconnectés, ce n'est pas surprenant – c'est inévitable.",[426],{"type":88,"attrs":427},{"color":90},{"type":112,"attrs":429,"content":430},{"level":114,"textAlign":61},[431],{"text":432,"type":59,"marks":433},"Votre paiement disparaît pendant trois jours",[434],{"type":88,"attrs":435},{"color":90},{"type":55,"attrs":437,"content":438},{"textAlign":61,"key":220},[439],{"text":440,"type":59,"marks":441},"Les banques traditionnelles traitent les paiements internationaux via une chaîne d’intermédiaires. 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Fini les portails bancaires multiples, le rapprochement manuel et les zones d'ombre.",[633],{"type":88,"attrs":634},{"color":96},{"type":55,"attrs":636,"content":638},{"textAlign":61,"key":637},"p-27",[639],{"text":640,"type":59,"marks":641},"Voici ce qui change :",[642],{"type":88,"attrs":643},{"color":90},{"type":140,"content":645},[646],{"type":143,"content":647},[648],{"type":55,"attrs":649,"content":651},{"textAlign":61,"key":650},"p-28",[652,658,663,669,674],{"text":653,"type":59,"marks":654},"Payez moins avec une tarification transparente :",[655,657],{"type":88,"attrs":656},{"color":90},{"type":199},{"text":659,"type":59,"marks":660}," Spendesk applique systématiquement le taux du marché, sans aucun frais caché. Contrairement aux banques traditionnelles qui dissimulent leurs frais dans le taux de change, ",[661],{"type":88,"attrs":662},{"color":90},{"text":664,"type":59,"marks":665},"vous payez moins et savez exactement ce que vous payez",[666,668],{"type":88,"attrs":667},{"color":90},{"type":199},{"text":670,"type":59,"marks":671}," : le véritable taux du marché plus des frais clairs et distincts (0,5 % + 4 € sur les principales devises, y compris USD, GBP et EUR). ",[672],{"type":88,"attrs":673},{"color":90},{"text":675,"type":59,"marks":676},"Vous voyez précisément ce qui correspond aux frais de change par rapport aux frais de traitement, pour un rapprochement comptable efficace. C'est plus clair pour les approbations, le codage en grand livre et les audits.",[677],{"type":88,"attrs":678},{"color":96},{"type":140,"content":680},[681,698,715],{"type":143,"content":682},[683],{"type":55,"attrs":684,"content":686},{"textAlign":61,"key":685},"p-29",[687,693],{"text":688,"type":59,"marks":689},"Solution intégrée : ",[690,692],{"type":88,"attrs":691},{"color":90},{"type":199},{"text":694,"type":59,"marks":695},"Simplifiez la gestion des paiements via une seule plateforme. Fini les transferts fragmentés via plusieurs interlocuteurs ou outils. 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Obtenez aussi un aperçu des innovations prévues pour 2026.",[2563],{"_uid":2564,"items":2565,"heading":2600,"reverse":29,"component":2426,"sectionSettings":2617},"bd64278d-5c36-4bc9-9b3d-f038b3c1fb65",[2566,2574,2582,2591],{"_uid":2567,"title":2289,"component":2290,"description":2568},"915290e8-ca91-40bb-ae82-f6604db9f37a",{"type":52,"content":2569},[2570],{"type":55,"content":2571},[2572],{"text":2573,"type":59},"La gestion des dépenses est le processus de contrôle et d'optimisation de toutes les dépenses professionnelles. 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Les employés utilisent des cartes physiques ou virtuelles et envoient des justificatifs via l'application mobile; les responsables valident les dépenses par workflow, les budgets sont suivis en temps réel et les équipes exportent les écritures vers le logiciel comptable en un clic.",{"_uid":2583,"title":2584,"component":2290,"description":2585},"de889edb-6670-42d9-8c13-97d5da7ca4c8","Quelles méthodes de paiement propose Spendesk ?",{"type":52,"content":2586},[2587],{"type":55,"content":2588},[2589],{"text":2590,"type":59},"Spendesk propose des cartes physiques, des cartes virtuelles à usage unique, la gestion des factures et des virements intégrés. 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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":2708,"hide":29,"title":2709,"component":2290,"description":2710},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":52,"attrs":2711,"content":2712},{"backgroundColor":61},[2713],{"type":55,"attrs":2714,"content":2715},{"textAlign":61},[2716],{"text":2717,"type":59},"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":2719,"hide":29,"title":2720,"component":2290,"description":2721},"e74f9a3b-cd8e-4740-bf8d-ed0fa08d85ae","Excel suffit-il pour suivre un budget ?",{"type":52,"attrs":2722,"content":2723},{"backgroundColor":61},[2724],{"type":55,"attrs":2725,"content":2726},{"textAlign":61},[2727],{"text":2728,"type":59},"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":2730,"hide":29,"title":2731,"component":2290,"description":2732},"4387ed28-7167-4a6f-b966-1ecd35c57afa","Un logiciel FP&A remplace-t-il un logiciel de suivi des dépenses ?",{"type":52,"attrs":2733,"content":2734},{"backgroundColor":61},[2735],{"type":55,"attrs":2736,"content":2737},{"textAlign":61},[2738],{"text":2739,"type":59},"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":2741,"hide":29,"title":2742,"component":2290,"description":2743},"7279dbe6-c90c-486e-a752-3effae3fca89","Quelles intégrations vérifier avant de choisir un outil ?",{"type":52,"attrs":2744,"content":2745},{"backgroundColor":61},[2746],{"type":55,"attrs":2747,"content":2748},{"textAlign":61},[2749],{"text":2750,"type":59},"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":2752,"hide":29,"title":2753,"component":2290,"description":2754},"bace8455-8220-4b1b-bd23-9ce3c39cdbba","Comment tester un logiciel de suivi budgétaire ?",{"type":52,"attrs":2755,"content":2756},{"backgroundColor":61},[2757],{"type":55,"attrs":2758,"content":2759},{"textAlign":61},[2760],{"text":2761,"type":59},"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.",[2763],{"cta":2764,"_uid":2765,"title":2766,"layout":23,"eyebrow":2774,"subtitle":2781,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2784,"sectionSettings":2785,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"9faf5db3-f86f-469c-b307-c83919dbf275",{"type":52,"attrs":2767,"content":2768},{"backgroundColor":61},[2769],{"type":112,"attrs":2770,"content":2771},{"level":114,"textAlign":61},[2772],{"text":2773,"type":59},"Questions fréquentes sur les logiciels de suivi budgétaire",{"type":52,"attrs":2775,"content":2776},{"backgroundColor":61},[2777],{"type":55,"attrs":2778,"content":2779},{"textAlign":61},[2780],{"text":1133,"type":59},{"type":52,"content":2782},[2783],{"type":55},[],[],[],"logiciel-de-suivi-budgetaire","fr/blog/logiciel-de-suivi-budgetaire",-4040,[],"17487fd8-0530-4aa4-823b-229a64e08030",[],"blog/logiciel-de-suivi-budgetaire",[2795,2796,2797],{"path":2793,"name":61,"lang":67,"published":61},{"path":2793,"name":61,"lang":73,"published":61},{"path":2793,"name":61,"lang":75,"published":61},{"name":2799,"created_at":2800,"published_at":2801,"updated_at":2802,"id":2803,"uuid":2804,"content":2805,"slug":3045,"full_slug":3046,"sort_by_date":61,"position":3047,"tag_list":3048,"is_startpage":29,"parent_id":825,"meta_data":61,"group_id":3049,"first_published_at":2801,"release_id":61,"lang":67,"path":61,"alternates":3050,"default_full_slug":3051,"translated_slugs":3052},"Délais de paiement fournisseurs en France : règles, échéances et bonnes 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fournisseurs","2022-10-19T17:58:01.385Z","2026-09-29T09:14:39.933Z","2026-09-29T09:14:39.952Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"_uid":2816,"name":2809,"component":2450},"63535519-d3ae-42ed-a496-fd0c222e4057","factures-fournisseurs","fr/blog/topic/factures-fournisseurs",-540,[],"f7010886-52de-401f-8beb-e195074d444f","2022-11-02T15:24:39.398Z",[],"blog/topic/factures-fournisseurs",[2826,2827,2828],{"path":2824,"name":61,"lang":67,"published":61},{"path":2824,"name":61,"lang":73,"published":61},{"path":2824,"name":61,"lang":75,"published":61},{"name":782,"created_at":783,"published_at":6,"updated_at":784,"id":785,"uuid":786,"content":2830,"slug":794,"full_slug":795,"sort_by_date":61,"position":796,"tag_list":2832,"is_startpage":29,"parent_id":798,"meta_data":61,"group_id":799,"first_published_at":800,"release_id":61,"lang":67,"path":61,"alternates":2833,"default_full_slug":802,"translated_slugs":2834,"_stopResolving":76},{"_uid":788,"icon":2831,"name":782,"component":793},{"id":790,"alt":791,"name":23,"focus":23,"title":23,"filename":792,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2835,2836,2837],{"path":802,"name":61,"lang":67,"published":61},{"path":802,"name":61,"lang":73,"published":61},{"path":802,"name":61,"lang":75,"published":61},[67],[2840],{"_uid":2841,"link":2842,"asset":2843,"caption":23,"component":816},"0e9f7d77-d62a-4c57-aa52-662d3c7ddd7b",{"id":23,"url":23,"linktype":865,"fieldtype":33,"cached_url":1902,"prep":76},{"id":2844,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2845,"copyright":23,"fieldtype":28,"meta_data":2846,"is_external_url":29},231680153622674,"https://a.storyblok.com/f/146026/1248x832/29bee620a5/delais-de-paiement-fournisseurs-en-france-regles-echeances-et-bonnes-pratiques.png",{"size":2847},"1248x832","2026-10-17 00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2854],{"cta":2855,"_uid":2856,"items":2857,"heading":3020,"reverse":29,"component":2426,"sectionSettings":3044},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2858,2878,2906,2928,2943],{"_uid":2859,"hide":29,"title":2860,"component":2290,"description":2861},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":52,"attrs":2862,"content":2863},{"backgroundColor":61},[2864,2873],{"type":55,"attrs":2865,"content":2866},{"textAlign":61},[2867,2871],{"text":2868,"type":59,"marks":2869},"Dans le régime général, non.",[2870],{"type":199},{"text":2872,"type":59}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":55,"attrs":2874,"content":2875},{"textAlign":61},[2876],{"text":2877,"type":59},"Certaines exceptions existent néanmoins. Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2879,"hide":29,"title":2880,"component":2290,"description":2881},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":52,"attrs":2882,"content":2883},{"backgroundColor":61},[2884,2895],{"type":55,"attrs":2885,"content":2886},{"textAlign":61},[2887,2889,2893],{"text":2888,"type":59},"Une facture périodique doit être réglée au plus tard ",{"text":2890,"type":59,"marks":2891},"45 jours après sa date d’émission",[2892],{"type":199},{"text":2894,"type":59},", sans report en fin de mois.",{"type":55,"attrs":2896,"content":2897},{"textAlign":61},[2898,2900,2904],{"text":2899,"type":59},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2901,"type":59,"marks":2902},"15 décembre 2026",[2903],{"type":199},{"text":2905,"type":59},".",{"_uid":2907,"hide":29,"title":2908,"component":2290,"description":2909},"759c2579-2400-475f-944b-1410b215bd65","Quel est le délai moyen de paiement des fournisseurs en France ?",{"type":52,"attrs":2910,"content":2911},{"backgroundColor":61},[2912,2923],{"type":55,"attrs":2913,"content":2914},{"textAlign":61},[2915,2917,2921],{"text":2916,"type":59},"Selon le rapport 2025 de l’Observatoire des délais de paiement, le délai moyen fournisseurs atteignait ",{"text":2918,"type":59,"marks":2919},"50 jours en 2024",[2920],{"type":199},{"text":2922,"type":59},", hors microentreprises.",{"type":55,"attrs":2924,"content":2925},{"textAlign":61},[2926],{"text":2927,"type":59},"Le rapport indique également que 72 % de ces entreprises payaient en moyenne sous 60 jours, contre 48 % des grandes entreprises.",{"_uid":2929,"hide":29,"title":2930,"component":2290,"description":2931},"240893ee-f143-4db8-8497-f1c5003af098","La facturation électronique change-t-elle les délais de paiement ?",{"type":52,"attrs":2932,"content":2933},{"backgroundColor":61},[2934],{"type":55,"attrs":2935,"content":2936},{"textAlign":61},[2937,2941],{"text":2938,"type":59,"marks":2939},"Elle change le circuit de traitement, mais pas les délais légaux.",[2940],{"type":199},{"text":2942,"type":59}," 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":2944,"hide":29,"title":2945,"component":2290,"description":2946},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":52,"attrs":2947,"content":2948},{"backgroundColor":61},[2949,2959,2969,2974,2981,2986,3009],{"type":55,"attrs":2950,"content":2951},{"textAlign":61},[2952,2954,2958],{"text":2953,"type":59},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit ",{"text":2955,"type":59,"marks":2956},"12,40 % au second semestre 2026",[2957],{"type":199},{"text":2905,"type":59},{"type":55,"attrs":2960,"content":2961},{"textAlign":61},[2962,2964,2968],{"text":2963,"type":59},"À cela s’ajoute l’indemnité forfaitaire de ",{"text":2965,"type":59,"marks":2966},"40 € par facture",[2967],{"type":199},{"text":2905,"type":59},{"type":55,"attrs":2970,"content":2971},{"textAlign":61},[2972],{"text":2973,"type":59},"Pour une facture de 5 000 € TTC réglée avec 45 jours de retard :",{"type":55,"attrs":2975,"content":2976},{"textAlign":61},[2977],{"text":2978,"type":59,"marks":2979},"5 000 × 12,40 % × 45 / 365 = 76,44 €",[2980],{"type":199},{"type":55,"attrs":2982,"content":2983},{"textAlign":61},[2984],{"text":2985,"type":59},"Il faut donc ajouter :",{"type":140,"content":2987},[2988,2999],{"type":143,"content":2989},[2990],{"type":55,"attrs":2991,"content":2992},{"textAlign":61},[2993,2997],{"text":2994,"type":59,"marks":2995},"76,44 € de pénalités de retard",[2996],{"type":199},{"text":2998,"type":59}," ;",{"type":143,"content":3000},[3001],{"type":55,"attrs":3002,"content":3003},{"textAlign":61},[3004,3008],{"text":3005,"type":59,"marks":3006},"40 € d’indemnité forfaitaire",[3007],{"type":199},{"text":2905,"type":59},{"type":55,"attrs":3010,"content":3011},{"textAlign":61},[3012,3014,3018],{"text":3013,"type":59},"Soit ",{"text":3015,"type":59,"marks":3016},"116,44 € au total",[3017],{"type":199},{"text":3019,"type":59},", hors éventuels frais complémentaires de recouvrement.",[3021],{"cta":3022,"_uid":3023,"title":3024,"layout":23,"eyebrow":3032,"subtitle":3039,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3042,"sectionSettings":3043,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5c4637c5-74fc-4bcc-96e4-c9a42c18fd0f",{"type":52,"attrs":3025,"content":3026},{"backgroundColor":61},[3027],{"type":112,"attrs":3028,"content":3029},{"level":114,"textAlign":61},[3030],{"text":3031,"type":59},"Questions fréquentes sur les délais de paiement fournisseurs",{"type":52,"attrs":3033,"content":3034},{"backgroundColor":61},[3035],{"type":55,"attrs":3036,"content":3037},{"textAlign":61},[3038],{"text":1133,"type":59},{"type":52,"content":3040},[3041],{"type":55},[],[],[],"delais-de-paiement-fournisseurs-en-france","fr/blog/delais-de-paiement-fournisseurs-en-france",-3820,[],"4bb29b86-26f4-4330-84b2-0298d2e1c058",[],"blog/delais-de-paiement-fournisseurs-en-france",[3053,3054,3055],{"path":3051,"name":61,"lang":67,"published":61},{"path":3051,"name":61,"lang":73,"published":61},{"path":3051,"name":61,"lang":75,"published":61},1793991558282]