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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",[62,63,65],{"path":60,"name":52,"lang":58,"published":52},{"path":60,"name":52,"lang":64,"published":52},"de",{"path":60,"name":52,"lang":66,"published":52},"es",true,[69,91,111],{"name":70,"created_at":71,"published_at":6,"updated_at":72,"id":73,"uuid":74,"content":75,"slug":78,"full_slug":79,"sort_by_date":52,"position":80,"tag_list":81,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":83,"first_published_at":84,"release_id":52,"lang":58,"path":52,"alternates":85,"default_full_slug":86,"translated_slugs":87,"_stopResolving":67},"Comptabilité","2022-10-19T17:57:49.664Z","2026-03-12T10:47:22.734Z",206171401,"d0994ca0-a555-425e-b68f-d17b0657cfdb",{"_uid":76,"name":70,"component":77},"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",[88,89,90],{"path":86,"name":52,"lang":58,"published":52},{"path":86,"name":52,"lang":64,"published":52},{"path":86,"name":52,"lang":66,"published":52},{"name":92,"created_at":93,"published_at":6,"updated_at":94,"id":95,"uuid":96,"content":97,"slug":99,"full_slug":100,"sort_by_date":52,"position":101,"tag_list":102,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":103,"first_published_at":104,"release_id":52,"lang":58,"path":52,"alternates":105,"default_full_slug":106,"translated_slugs":107,"_stopResolving":67},"Carte de paiement","2022-10-19T17:57:52.020Z","2026-03-12T10:47:23.078Z",206171410,"38062cad-91f4-4753-8d76-3407e615ca0b",{"_uid":98,"name":92,"component":77},"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",[108,109,110],{"path":106,"name":52,"lang":58,"published":52},{"path":106,"name":52,"lang":64,"published":52},{"path":106,"name":52,"lang":66,"published":52},{"name":112,"created_at":113,"published_at":6,"updated_at":114,"id":115,"uuid":116,"content":117,"slug":119,"full_slug":120,"sort_by_date":52,"position":121,"tag_list":122,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":123,"first_published_at":124,"release_id":52,"lang":58,"path":52,"alternates":125,"default_full_slug":126,"translated_slugs":127,"_stopResolving":67},"Sécurité","2022-10-19T17:57:59.313Z","2026-03-12T10:47:23.947Z",206171441,"54876a64-237d-4685-bf9e-2fa75bd5562a",{"_uid":118,"name":112,"component":77},"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",[128,129,130],{"path":126,"name":52,"lang":58,"published":52},{"path":126,"name":52,"lang":64,"published":52},{"path":126,"name":52,"lang":66,"published":52},{"type":42,"content":132},[133,137,148,155,165,171,181,191,207,219,224,234,260,265,269,325,330,340,360,370,375,385,391,401,421,426,435,449,462,467,477,482,492,497,507,512,522,527,560,578,583,614,619,628,633,643,648,664,669,691,696,706,711,721,741,751,756,766,771,787,792,802,807,817,822,832,837,847,865,881,925,933,938,948,953,971,976,998,1003,1027,1032,1042,1047,1064,1069],{"type":45,"content":134},[135],{"text":136,"type":49},"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":45,"content":138},[139,141,146],{"text":140,"type":49},"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":142,"type":49,"marks":143},"paiement sécurisé",[144],{"type":145},"bold",{"text":147,"type":49}," en ligne ? Spendesk répond à toutes ces questions et vous explique l’organisation du processus sur sa propre plateforme.",{"type":149,"attrs":150,"content":152},"heading",{"level":151},2,[153],{"text":154,"type":49},"Sécurité des moyens de paiement selon la Banque de France",{"type":45,"content":156},[157,159,163],{"text":158,"type":49},"La Banque de France émet des recommandations aux entreprises et particuliers en matière de règlements ",{"text":160,"type":49,"marks":161},"sécurisés",[162],{"type":145},{"text":164,"type":49},". 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":149,"attrs":166,"content":168},{"level":167},3,[169],{"text":170,"type":49},"Enjeu de la sécurisation : lutter contre la fraude",{"type":45,"content":172},[173,175,179],{"text":174,"type":49},"La fraude se complexifie et exige la mise en œuvre de moyens toujours plus poussés pour la contrecarrer. La ",{"text":176,"type":49,"marks":177},"sécurité du secteur des paiements",[178],{"type":145},{"text":180,"type":49}," constitue un enjeu stratégique pour la Banque de France. La fraude entache la confiance des utilisateurs et fragilise les activités professionnelles.",{"type":45,"content":182},[183,185,189],{"text":184,"type":49},"La ",{"text":186,"type":49,"marks":187},"sécurisation",[188],{"type":145},{"text":190,"type":49}," s’impose dans ce contexte avec pour objectif de :",{"type":192,"content":193},"bullet_list",[194,201],{"type":195,"content":196},"list_item",[197],{"type":45,"content":198},[199],{"text":200,"type":49},"réduire le risque de détournement d’argent (fraude immédiate) ;",{"type":195,"content":202},[203],{"type":45,"content":204},[205],{"text":206,"type":49},"éviter la captation des informations bancaires de l’utilisateur (fraude future).",{"type":149,"attrs":208,"content":209},{"level":167},[210],{"type":211,"attrs":212},"blok",{"id":213,"body":214},"83d7ad71-e8ce-4994-bd59-c150175766f0",[215],{"_uid":216,"html":217,"component":218},"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":149,"attrs":220,"content":221},{"level":167},[222],{"text":223,"type":49},"Typologies de fraude aux moyens de paiement",{"type":45,"content":225},[226,228,232],{"text":227,"type":49},"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":229,"type":49,"marks":230},"quatre types de fraudes",[231],{"type":145},{"text":233,"type":49}," :",{"type":192,"content":235},[236,242,248,254],{"type":195,"content":237},[238],{"type":45,"content":239},[240],{"text":241,"type":49},"réalisation d’un faux ordre de paiement (par détournement d’informations bancaires par exemple) ;",{"type":195,"content":243},[244],{"type":45,"content":245},[246],{"text":247,"type":49},"falsification d’un moyen de règlement (comme un chèque modifié en montant ou au niveau du nom du bénéficiaire) ;",{"type":195,"content":249},[250],{"type":45,"content":251},[252],{"text":253,"type":49},"détournement du moyen de paiement (donc sans falsification) ;",{"type":195,"content":255},[256],{"type":45,"content":257},[258],{"text":259,"type":49},"contestation abusive d’un règlement pourtant régulièrement émis.",{"type":149,"attrs":261,"content":262},{"level":167},[263],{"text":264,"type":49},"Techniques utilisées pour frauder",{"type":45,"content":266},[267],{"text":268,"type":49},"Le développement des moyens de règlement électronique voit progresser la fraude sur ces instruments. Sont particulièrement à surveiller :",{"type":192,"content":270},[271,283,302,314],{"type":195,"content":272},[273],{"type":45,"content":274},[275,277,281],{"text":276,"type":49},"Les conversations téléphoniques, les mails et fax qui peuvent conduire des fraudeurs à ",{"text":278,"type":49,"marks":279},"enregistrer des données bancaires lors d’opérations manuelles",[280],{"type":145},{"text":282,"type":49},", en vue de les utiliser plus tard.",{"type":195,"content":284},[285],{"type":45,"content":286},[287,289,293,295,300],{"text":288,"type":49},"Les ",{"text":290,"type":49,"marks":291},"pratiques d’hameçonnage",[292],{"type":145},{"text":294,"type":49}," sur Internet (ou de ",{"text":296,"type":49,"marks":297},"phising",[298],{"type":299},"italic",{"text":301,"type":49},") qui consistent à récupérer des informations personnelles de cartes voire les modes d’authentification comme les numéros de téléphones portables.",{"type":195,"content":303},[304],{"type":45,"content":305},[306,308,312],{"text":307,"type":49},"Les attaques de ",{"text":309,"type":49,"marks":310},"terminaux de paiement ou de retrait d’argent",[311],{"type":145},{"text":313,"type":49}," par exemple afin de récupérer des données bancaires.",{"type":195,"content":315},[316],{"type":45,"content":317},[318,319,323],{"text":288,"type":49},{"text":320,"type":49,"marks":321},"attaques par des logiciels du type malwares",[322],{"type":145},{"text":324,"type":49}," des systèmes d’information, ordinateurs ou smartphones ainsi que des serveurs et bases de données des prestataires qui gèrent les services de paiement.",{"type":149,"attrs":326,"content":327},{"level":167},[328],{"text":329,"type":49},"Rôle de l’OSMP (Observatoire de la sécurité des moyens de paiement)",{"type":45,"content":331},[332,334,338],{"text":333,"type":49},"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":335,"type":49,"marks":336},"observatoire de la sécurité des moyens de paiement",[337],{"type":145},{"text":339,"type":49},". Son objectif est triple :",{"type":192,"content":341},[342,348,354],{"type":195,"content":343},[344],{"type":45,"content":345},[346],{"text":347,"type":49},"suivre le déploiement des mesures qui visent à renforcer la sécurité des moyens de règlement ;",{"type":195,"content":349},[350],{"type":45,"content":351},[352],{"text":353,"type":49},"quantifier la fraude sur le plan statistique ;",{"type":195,"content":355},[356],{"type":45,"content":357},[358],{"text":359,"type":49},"réaliser une veille technologique pour améliorer la sécurisation des règlements scripturaux.",{"type":45,"content":361},[362,364,368],{"text":363,"type":49},"La Banque de France cherche à rassurer le public en matière de moyens de paiement. Elle analyse les risques et produit ",{"text":365,"type":49,"marks":366},"des référentiels de sécurité",[367],{"type":145},{"text":369,"type":49},". Elle peut recommander à un émetteur de moyen de paiement d’amplifier la sécurisation si nécessaire.",{"type":149,"attrs":371,"content":372},{"level":167},[373],{"text":374,"type":49},"Les autres moyens de lutter contre la fraude aux règlements",{"type":45,"content":376},[377,379,383],{"text":378,"type":49},"À côté des actions de la Banque de France et de l’OSMP, on peut citer les ",{"text":380,"type":49,"marks":381},"forces de police",[382],{"type":145},{"text":384,"type":49}," 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":149,"attrs":386,"content":388},{"level":387},4,[389],{"text":390,"type":49},"Rôle du GIE Cartes Bancaires",{"type":45,"content":392},[393,395,399],{"text":394,"type":49},"Ce GIE créé par le secteur bancaire en 1984 occupe une ",{"text":396,"type":49,"marks":397},"place centrale dans la lutte contre la fraude",[398],{"type":145},{"text":400,"type":49}," sur le plan opérationnel. Notons par exemple les missions suivantes :",{"type":192,"content":402},[403,409,415],{"type":195,"content":404},[405],{"type":45,"content":406},[407],{"text":408,"type":49},"déploiement d’outils afin d’identifier les fraudes ;",{"type":195,"content":410},[411],{"type":45,"content":412},[413],{"text":414,"type":49},"collaboration avec les forces de l’ordre notamment en cas d’enquêtes ;",{"type":195,"content":416},[417],{"type":45,"content":418},[419],{"text":420,"type":49},"évaluation permanente du réseau CB (terminaux de paiement, cartes ou réseaux) et certification des matériels autorisés.",{"type":149,"attrs":422,"content":423},{"level":387},[424],{"text":425,"type":49},"b - Directive sur les services de paiement DSP3 : authentification forte du payeur",{"type":45,"content":427},[428,430,434],{"text":429,"type":49},"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":431,"type":49,"marks":432},"notion d’authentification forte",[433],{"type":145},{"text":233,"type":49},{"type":192,"content":436},[437,443],{"type":195,"content":438},[439],{"type":45,"content":440},[441],{"text":442,"type":49},"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":195,"content":444},[445],{"type":45,"content":446},[447],{"text":448,"type":49},"du payeur qui souhaite déclencher un règlement sous forme électronique.",{"type":45,"content":450},[451,453,460],{"text":452,"type":49},"On observe dorénavant une nouvelle norme en travail, ",{"text":454,"type":49,"marks":455},"DSP3",[456],{"type":457,"attrs":458},"link",{"href":459,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.adyen.com/fr_FR/ressources/dsp3",{"text":461,"type":49},", prévue prévue pour entrer en vigueur d'ici 2025/2026.",{"type":149,"attrs":463,"content":464},{"level":151},[465],{"text":466,"type":49},"Sécurisation d’un paiement fournisseur en entreprise",{"type":45,"content":468},[469,471,475],{"text":470,"type":49},"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":472,"type":49,"marks":473},"y compris en amont du règlement",[474],{"type":145},{"text":476,"type":49}," à proprement parler.",{"type":149,"attrs":478,"content":479},{"level":167},[480],{"text":481,"type":49},"Sécurisation des moyens de paiement : qui est responsable ?",{"type":45,"content":483},[484,486,490],{"text":485,"type":49},"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":487,"type":49,"marks":488},"L’objectif du paiement sécurisé",[489],{"type":145},{"text":491,"type":49}," consiste pour un acheteur à régler chaque achat, bien ou service, dûment justifié et au bon fournisseur.",{"type":149,"attrs":493,"content":494},{"level":167},[495],{"text":496,"type":49},"Les étapes de contrôle avant émission d’un règlement",{"type":45,"content":498},[499,501,505],{"text":500,"type":49},"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":502,"type":49,"marks":503},"sécuriser l’opération d’achat",[504],{"type":145},{"text":506,"type":49}," dès la commande du produit ou de la prestation de service.",{"type":149,"attrs":508,"content":509},{"level":387},[510],{"text":511,"type":49},"La sécurisation et le contrôle des informations fournisseurs",{"type":45,"content":513},[514,516,520],{"text":515,"type":49},"La fraude au RIB devient fréquente. Elle pousse les services financiers à mettre en place des ",{"text":517,"type":49,"marks":518},"processus de vérification des RIB",[519],{"type":145},{"text":521,"type":49}," à la création des comptes de tiers comme ensuite de façon périodique. Il s’agit bien de faire la chasse aux faux fournisseurs.",{"type":149,"attrs":523,"content":524},{"level":387},[525],{"text":526,"type":49},"Le contrôle de la dépense à engager avant paiement",{"type":45,"content":528},[529,531,546,548,552,554,558],{"text":530,"type":49},"Avant d’émettre un règlement, le rapprochement de la facture avec le ",{"text":532,"type":49,"marks":533},"bon de commande",[534],{"type":457,"attrs":535},{"href":536,"uuid":537,"anchor":52,"target":538,"linktype":539,"story":540},"/fr/glossaire/bon-de-commande","ea128984-5ef9-4333-9088-484233a5ee9a","_self","story",{"name":541,"id":542,"uuid":537,"slug":543,"url":544,"full_slug":545,"_stopResolving":67},"Bon de commande",171820964,"bon-de-commande","glossary/bon-de-commande","fr/glossaire/bon-de-commande",{"text":547,"type":49}," voire le contrat d’achat permet de la vérifier et de l’approuver. C’est le rôle du ",{"text":549,"type":49,"marks":550},"bon à payer",[551],{"type":145},{"text":553,"type":49},". Les systèmes informatiques qui gèrent le processus d’achat de façon dématérialisée comportent des ",{"text":555,"type":49,"marks":556},"workflows",[557],{"type":299},{"text":559,"type":49}," afin de tracer ces contrôles et accords.",{"type":45,"content":561},[562,564,568,570,576],{"text":563,"type":49},"En cas de ",{"text":565,"type":49,"marks":566},"dépenses directement payées en ligne",[567],{"type":145},{"text":569,"type":49},", vous pouvez par exemple comme le propose Spendesk, demander une autorisation au supérieur hiérarchique, y compris ",{"text":571,"type":49,"marks":572},"avec le système de carte virtuelle à usage unique",[573],{"type":457,"attrs":574},{"href":575,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://helpcenter.spendesk.com/fr/articles/4179292-demander-une-carte-virtuelle-a-usage-unique-sur-mobile",{"text":577,"type":49},".",{"type":149,"attrs":579,"content":580},{"level":387},[581],{"text":582,"type":49},"Les vérifications des règlements à proprement parler",{"type":45,"content":584},[585,587,593,595,599,612],{"text":586,"type":49},"Après ces étapes clés du ",{"text":588,"type":49,"marks":589},"processus Procure-to-Pay",[590],{"type":457,"attrs":591},{"href":592,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://blog.spendesk.com/fr/procure-to-pay",{"text":594,"type":49},", le nombre de contrôles à réaliser se réduit. Certains types de paiements s’automatisent comme les virements émis aux fournisseurs grâce à des ",{"text":596,"type":49,"marks":597},"outils de ",[598],{"type":145},{"text":600,"type":49,"marks":601},"gestion de trésorerie",[602],{"type":457,"attrs":603},{"href":604,"uuid":605,"anchor":52,"target":538,"linktype":539,"story":606},"/glossary/gestion-de-tresorerie","01a70b93-cabd-49a5-8d1a-390e49775b4d",{"name":607,"id":608,"uuid":605,"slug":609,"url":610,"full_slug":611,"_stopResolving":67},"Gestion de trésorerie",482346465,"gestion-de-tresorerie","glossary/gestion-de-tresorerie","fr/glossaire/gestion-de-tresorerie",{"text":613,"type":49},". 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":149,"attrs":615,"content":616},{"level":167},[617],{"text":618,"type":49},"Comment lutter contre la fraude au virement en entreprise ?",{"type":45,"content":620},[621,623,627],{"text":622,"type":49},"Voici les actions concrètes qu’une direction financière peut déployer pour limiter la fraude et ",{"text":624,"type":49,"marks":625},"sécuriser les règlements de ses fournisseurs",[626],{"type":145},{"text":577,"type":49},{"type":149,"attrs":629,"content":630},{"level":387},[631],{"text":632,"type":49},"Organisation des worfklows de contrôle et d’approbation",{"type":45,"content":634},[635,637,641],{"text":636,"type":49},"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":638,"type":49,"marks":639},"paramétrage des outils apporte cette sécurisation",[640],{"type":145},{"text":642,"type":49},". 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":149,"attrs":644,"content":645},{"level":387},[646],{"text":647,"type":49},"Respecter les principes de contrôle interne : la séparation des tâches",{"type":45,"content":649},[650,652,656,658,662],{"text":651,"type":49},"Le risque de fraude au paiement doit entraîner beaucoup de vigilance concernant le ",{"text":653,"type":49,"marks":654},"pilotage des données des tiers",[655],{"type":145},{"text":657,"type":49},". La séparation des fonctions implique que le comptable fournisseur ne puisse jamais accéder aux RIB par exemple. Le ",{"text":659,"type":49,"marks":660},"data management",[661],{"type":299},{"text":663,"type":49}," doit prendre en charge la mise à jour ou la création des données du référentiel tiers.",{"type":149,"attrs":665,"content":666},{"level":387},[667],{"text":668,"type":49},"S’équiper d’applications fiables et qui luttent contre la fraude",{"type":45,"content":670},[671,673,677,679,683,685,689],{"text":672,"type":49},"Assurez-vous de disposer de ",{"text":674,"type":49,"marks":675},"matériels et services de règlement fiables et conformes",[676],{"type":145},{"text":678,"type":49}," à la législation toujours évolutive. Des applications en mode ",{"text":680,"type":49,"marks":681},"SaaS",[682],{"type":299},{"text":684,"type":49}," aident même à traquer la fraude au virement. Par exemple, ils identifient les ",{"text":686,"type":49,"marks":687},"paiements suspects",[688],{"type":145},{"text":690,"type":49}," au regard des habitudes des utilisateurs.",{"type":149,"attrs":692,"content":693},{"level":151},[694],{"text":695,"type":49},"Paiement sécurisé en ligne : comment ça marche ?",{"type":45,"content":697},[698,700,704],{"text":699,"type":49},"Parmi les règlements à sécuriser pour vos fournisseurs, les paiements ",{"text":701,"type":49,"marks":702},"en ligne",[703],{"type":145},{"text":705,"type":49}," occupent une place à part. Faisons le point.",{"type":149,"attrs":707,"content":708},{"level":167},[709],{"text":710,"type":49},"Qu’est-ce qu’un paiement sécurisé en ligne ?",{"type":45,"content":712},[713,715,719],{"text":714,"type":49},"Lors d’un règlement par carte bancaire sur le Web, le ",{"text":716,"type":49,"marks":717},"processus crypte",[718],{"type":145},{"text":720,"type":49}," plusieurs informations lors de la transmission :",{"type":192,"content":722},[723,729,735],{"type":195,"content":724},[725],{"type":45,"content":726},[727],{"text":728,"type":49},"le numéro de la carte ;",{"type":195,"content":730},[731],{"type":45,"content":732},[733],{"text":734,"type":49},"la date d’expiration ;",{"type":195,"content":736},[737],{"type":45,"content":738},[739],{"text":740,"type":49},"le cryptogramme.",{"type":45,"content":742},[743,745,749],{"text":744,"type":49},"La sécurisation vise à ",{"text":746,"type":49,"marks":747},"protéger le détenteur de la carte de paiement",[748],{"type":145},{"text":750,"type":49}," et à éviter tout transit d’information confidentielle par Internet. Plusieurs systèmes existent. Nous les détaillons ci-après.",{"type":149,"attrs":752,"content":753},{"level":167},[754],{"text":755,"type":49},"Quels sont les moyens de paiement sécurisés en ligne ?",{"type":45,"content":757},[758,760,764],{"text":759,"type":49},"Voici un panorama des ",{"text":761,"type":49,"marks":762},"solutions fiables pour des règlements sur le Web",[763],{"type":145},{"text":765,"type":49},". 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":149,"attrs":767,"content":768},{"level":387},[769],{"text":770,"type":49},"La e-carte bleue",{"type":45,"content":772},[773,779,781,785],{"text":774,"type":49,"marks":775},"La carte bleue virtuelle ou e-carte bleue",[776],{"type":457,"attrs":777},{"href":778,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://blog.spendesk.com/fr/e-carte-bleue-fonctionnement-avantages",{"text":780,"type":49}," présente l’avantage de vous procurer un numéro de carte bancaire, une date de validité et un cryptogramme, à ",{"text":782,"type":49,"marks":783},"usage unique pour une opération donnée",[784],{"type":145},{"text":786,"type":49},". 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":149,"attrs":788,"content":789},{"level":387},[790],{"text":791,"type":49},"La carte bleue 3D Secure (3DS)",{"type":45,"content":793},[794,796,800],{"text":795,"type":49},"Ce système de paiement sécurisé correspond à celui retenu par Visa et Mastercard. ",{"text":797,"type":49,"marks":798},"Votre banque vous envoie un SMS",[799],{"type":145},{"text":801,"type":49}," 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":149,"attrs":803,"content":804},{"level":387},[805],{"text":806,"type":49},"Les sites de paiement PayPal, Stripe, Wise, etc.",{"type":45,"content":808},[809,811,815],{"text":810,"type":49},"Toutes ces plateformes demandent un ",{"text":812,"type":49,"marks":813},"enregistrement en ligne",[814],{"type":145},{"text":816,"type":49}," 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":149,"attrs":818,"content":819},{"level":387},[820],{"text":821,"type":49},"Paylib, service directement proposé dans les applications des banques",{"type":45,"content":823},[824,826,830],{"text":825,"type":49},"À la différence des sites précédents, Paylib, service de paiement sans coordonnées bancaires, s’intègre directement ",{"text":827,"type":49,"marks":828},"dans l’application mobile de la plupart des banques du marché",[829],{"type":145},{"text":831,"type":49},". 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":149,"attrs":833,"content":834},{"level":167},[835],{"text":836,"type":49},"Conseils pratiques pour éviter le piratage du paiement en ligne",{"type":45,"content":838},[839,841,845],{"text":840,"type":49},"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":842,"type":49,"marks":843},"petit cadenas à gauche de la barre d’adresse",[844],{"type":145},{"text":846,"type":49},", 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":45,"content":848},[849,851,857,859,863],{"text":850,"type":49},"La Banque de France, dans le cadre de sa mission, prodigue diverses recommandations ",{"text":852,"type":49,"marks":853},"aux utilisateurs de moyens de paiement scripturaux",[854],{"type":457,"attrs":855},{"href":856,"uuid":52,"anchor":52,"target":52,"linktype":32},"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":858,"type":49},". Elle rappelle ",{"text":860,"type":49,"marks":861},"les pratiques de bon sen",[862],{"type":145},{"text":864,"type":49},"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":45,"content":866},[867,873,875,879],{"text":868,"type":49,"marks":869},"Sur le site economie.gouv.fr, vous trouverez également 7 conseils",[870],{"type":457,"attrs":871},{"href":872,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.economie.gouv.fr/particuliers/paiement-en-ligne-conseils",{"text":874,"type":49}," afin d’",{"text":876,"type":49,"marks":877},"éviter les risques de piratage",[878],{"type":145},{"text":880,"type":49}," lors de paiements en ligne. En voici le résumé :",{"type":192,"content":882},[883,889,895,901,907,913,919],{"type":195,"content":884},[885],{"type":45,"content":886},[887],{"text":888,"type":49},"mettre en place la double sécurité avec sa banque ou utiliser une carte virtuelle ;",{"type":195,"content":890},[891],{"type":45,"content":892},[893],{"text":894,"type":49},"vérifier la sécurisation de la page web ;",{"type":195,"content":896},[897],{"type":45,"content":898},[899],{"text":900,"type":49},"se méfier des sites inconnus ou des propositions alléchantes ;",{"type":195,"content":902},[903],{"type":45,"content":904},[905],{"text":906,"type":49},"ne pas enregistrer ses coordonnées bancaires sur les sites même lorsqu’ils le suggèrent ;",{"type":195,"content":908},[909],{"type":45,"content":910},[911],{"text":912,"type":49},"prendre garde aux réseaux wifi publics ;",{"type":195,"content":914},[915],{"type":45,"content":916},[917],{"text":918,"type":49},"veiller à sa sécurité informatique globale ;",{"type":195,"content":920},[921],{"type":45,"content":922},[923],{"text":924,"type":49},"contacter sa banque en cas d’incident ou d’anomalie.",{"type":149,"attrs":926,"content":927},{"level":151},[928],{"type":211,"attrs":929},{"id":213,"body":930},[931],{"_uid":932,"html":217,"component":218},"bcf16743-dc76-4525-b2a9-c82727a1b326",{"type":149,"attrs":934,"content":935},{"level":151},[936],{"text":937,"type":49},"Comment Spendesk sécurise les paiements sur sa plateforme",{"type":45,"content":939},[940,942,946],{"text":941,"type":49},"Chez Spendesk, notre métier consiste à accompagner les entreprises afin de ",{"text":943,"type":49,"marks":944},"faciliter la gestion des dépenses professionnelles",[945],{"type":145},{"text":947,"type":49},". 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":149,"attrs":949,"content":950},{"level":167},[951],{"text":952,"type":49},"Accès à la plateforme Spendesk",{"type":45,"content":954},[955,957,963,965,969],{"text":956,"type":49},"Toutes les opérations se réalisent grâce à notre ",{"text":958,"type":49,"marks":959},"portail en ligne",[960],{"type":457,"attrs":961},{"href":962,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.spendesk.com/fr/product/",{"text":964,"type":49},". Cette ",{"text":966,"type":49,"marks":967},"plateforme totalement sécurisée",[968],{"type":145},{"text":970,"type":49}," 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":149,"attrs":972,"content":973},{"level":167},[974],{"text":975,"type":49},"Contrôle et validation des dépenses avant paiement",{"type":45,"content":977},[978,979,982,984,988,990,996],{"text":288,"type":49},{"text":555,"type":49,"marks":980},[981],{"type":299},{"text":983,"type":49}," proposés par l’application Spendesk permettent de ",{"text":985,"type":49,"marks":986},"paramétrer toutes les étapes de contrôle des achats",[987],{"type":145},{"text":989,"type":49}," avant leur paiement en fonction de la ",{"text":991,"type":49,"marks":992},"politique de dépenses mise en place",[993],{"type":457,"attrs":994},{"href":995,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://get.spendesk.com/modele-politique-depenses-entreprise",{"text":997,"type":49}," 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":149,"attrs":999,"content":1000},{"level":167},[1001],{"text":1002,"type":49},"Paiement par carte bancaire : certifications et normes utilisées",{"type":45,"content":1004},[1005,1007,1011,1013,1019,1021,1025],{"text":1006,"type":49},"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":1008,"type":49,"marks":1009},"code",[1010],{"type":145},{"text":1012,"type":49},". En outre, Spendesk respecte la ",{"text":1014,"type":49,"marks":1015},"norme de sécurité de l’industrie des cartes de paiement (PCI DSS)",[1016],{"type":457,"attrs":1017},{"href":1018,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://www.adyen.com/fr_FR/ressources/conformite-pci-dss",{"text":1020,"type":49},". Par ailleurs, nous nous conformons à la directive relative aux ",{"text":1022,"type":49,"marks":1023},"procédures d’authentification forte",[1024],{"type":145},{"text":1026,"type":49}," tant lors de la connexion au compte que lors d’un paiement.",{"type":149,"attrs":1028,"content":1029},{"level":167},[1030],{"text":1031,"type":49},"Utilisation d’un algorithme pour traquer les fraudes",{"type":45,"content":1033},[1034,1036,1040],{"text":1035,"type":49},"Spendesk utilise aussi un ",{"text":1037,"type":49,"marks":1038},"algorithme afin de détecter les fraudes",[1039],{"type":145},{"text":1041,"type":49},". Il alerte les détenteurs de compte notamment en cas d’activité suspecte en matière de paiements en ligne, grâce à un rapport de sécurité hebdomadaire.",{"type":149,"attrs":1043,"content":1044},{"level":167},[1045],{"text":1046,"type":49},"Conseils de Spendesk pour protéger les paiements",{"type":45,"content":1048},[1049,1051,1057,1059,1063],{"text":1050,"type":49},"Enfin, si vous souhaitez connaître nos ",{"text":1052,"type":49,"marks":1053},"conseils pratiques afin de protéger vos règlements",[1054],{"type":457,"attrs":1055},{"href":1056,"uuid":52,"anchor":52,"target":52,"linktype":32},"https://helpcenter.spendesk.com/fr/articles/4107627-conseils-pour-proteger-vos-paiements",{"text":1058,"type":49},", consultez notre page dédiée dans notre Help Center. 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Abonnez-vous à notre newsletter pour rester informé.",[2696,2697],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2699],{"cta":2700,"_uid":2701,"items":2702,"heading":2822,"reverse":29,"component":1178,"sectionSettings":2843},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2703,2763],{"_uid":2704,"title":2705,"component":1126,"description":2706},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":42,"content":2707},[2708,2712],{"type":45,"content":2709},[2710],{"text":2711,"type":49},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2713,"attrs":2714,"content":2717},"ordered_list",{"order":2715},{"order":2716},1,[2718,2730,2741],{"type":195,"content":2719},[2720],{"type":45,"content":2721},[2722,2726,2728],{"text":2723,"type":49,"marks":2724},"Les dépenses stratégiques",[2725],{"type":145},{"text":2727,"type":49}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":2729},{"type":2729},{"text":2762,"type":49},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":2764,"title":2765,"component":1126,"description":2766},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":42,"content":2767},[2768,2772,2776,2785,2789,2793,2802,2806,2810,2814,2818],{"type":45,"content":2769},[2770],{"text":2771,"type":49},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":45,"content":2773},[2774],{"text":2775,"type":49},"Il s'agit notamment de cartes de débit pour remplacer les cartes bancaires traditionnelles, de cartes virtuelles pour les achats en ligne et de notes de frais automatisées pour les achats imprévus.",{"type":45,"content":2777},[2778,2782,2783],{"text":2779,"type":49,"marks":2780},"Pour les employés",[2781],{"type":145},{"type":2729},{"text":2784,"type":49},"Les employés n'ont plus besoin d'avancer de l'argent. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":45,"content":2803},[2804],{"text":2805,"type":49},"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":45,"content":2807},[2808],{"text":2809,"type":49},"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":45,"content":2811},[2812],{"text":2813,"type":49},"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":45,"content":2815},[2816],{"text":2817,"type":49},"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":45,"content":2819},[2820],{"text":2821,"type":49},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[2823],{"cta":2824,"_uid":2825,"title":2826,"eyebrow":2833,"subtitle":2836,"component":149,"textAlign":23,"sectionSettings":2842,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":42,"content":2827},[2828],{"type":149,"attrs":2829,"content":2830},{"level":151},[2831],{"text":2832,"type":49},"Démarrer avec Spendesk",{"type":42,"content":2834},[2835],{"type":45},{"type":42,"content":2837},[2838],{"type":45,"content":2839},[2840],{"text":2841,"type":49},"Fermez les comptes 4 fois plus rapidement, collectez plus de 95 % des reçus à temps et obtenez une visibilité de 100 % sur les dépenses de l'entreprise.",[],[],"Table des matières",[2846,3043,3229,3404,3573,3761,3926,4159,4320,4502,4687,4850,5059,5125,5186],{"name":2847,"created_at":2848,"published_at":2849,"updated_at":2850,"id":2851,"uuid":2852,"content":2853,"slug":3031,"full_slug":3032,"sort_by_date":52,"position":3033,"tag_list":3034,"is_startpage":29,"parent_id":1191,"meta_data":52,"group_id":3035,"first_published_at":3036,"release_id":52,"lang":58,"path":52,"alternates":3037,"default_full_slug":3038,"translated_slugs":3039},"Facture d’acompte fournisseur, comment la calculer et la rapprocher avec la facture de solde 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fournisseurs","2022-10-19T17:58:01.385Z","2026-03-12T10:47:24.200Z",206171450,"94774a96-2374-4adf-91ae-2a21cf281282",{"_uid":2871,"name":2865,"component":77},"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",[2881,2882,2883],{"path":2879,"name":52,"lang":58,"published":52},{"path":2879,"name":52,"lang":64,"published":52},{"path":2879,"name":52,"lang":66,"published":52},{"name":1081,"created_at":1082,"published_at":6,"updated_at":1083,"id":1084,"uuid":1085,"content":2885,"slug":1093,"full_slug":1094,"sort_by_date":52,"position":1095,"tag_list":2887,"is_startpage":29,"parent_id":1097,"meta_data":52,"group_id":1098,"first_published_at":1099,"release_id":52,"lang":58,"path":52,"alternates":2888,"default_full_slug":1101,"translated_slugs":2889,"_stopResolving":67},{"_uid":1087,"icon":2886,"name":1081,"component":1092},{"id":1089,"alt":1090,"name":23,"focus":23,"title":23,"filename":1091,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[2890,2891,2892],{"path":1101,"name":52,"lang":58,"published":52},{"path":1101,"name":52,"lang":64,"published":52},{"path":1101,"name":52,"lang":66,"published":52},[58],[2895],{"_uid":2896,"asset":2897,"caption":23,"component":1113},"104606e3-1928-4dc9-836b-eece079259c1",{"id":2898,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2899,"copyright":23,"fieldtype":28,"meta_data":2900,"is_external_url":29},168584629424610,"https://a.storyblok.com/f/146026/1376x768/e74bf81acf/batch-payments-uk.png",{},"2026-09-05 00:00",[],"Facture d’acompte fournisseur, découvrez son calcul, les règles de TVA et les contrôles à effectuer avant le rapprochement avec la facture de solde.\n",[],[2906],{"cta":2907,"_uid":2908,"items":2909,"heading":3004,"reverse":29,"component":1178,"sectionSettings":3030},[],"14e773e4-85a2-422c-acbc-8f11dcdf65a2",[2910,2931,2958,2982],{"_uid":2911,"hide":29,"title":2912,"component":1126,"description":2913},"1685b4c9-e3d0-4743-9cec-6f2a0263ae82","La facture d’acompte est-elle obligatoire ?",{"type":42,"attrs":2914,"content":2915},{"backgroundColor":52},[2916,2921],{"type":45,"attrs":2917,"content":2918},{"textAlign":52},[2919],{"text":2920,"type":49},"Oui. Le fournisseur doit émettre une facture lorsqu’il encaisse un acompte, conformément à l’article 289 du Code général des impôts.",{"type":45,"attrs":2922,"content":2923},{"textAlign":52},[2924,2926,2930],{"text":2925,"type":49},"La facture doit comporter les mentions obligatoires, préciser qu’il s’agit d’un acompte et disposer ",{"text":2927,"type":49,"marks":2928},"d’un numéro appartenant à la série continue de facturation",[2929],{"type":145},{"text":577,"type":49},{"_uid":2932,"hide":29,"title":2933,"component":1126,"description":2934},"e5c6a6d0-b87e-4842-a0ff-ae7513621fb9","La TVA est-elle due dès l’encaissement de l’acompte ?",{"type":42,"attrs":2935,"content":2936},{"backgroundColor":52},[2937,2942,2947],{"type":45,"attrs":2938,"content":2939},{"textAlign":52},[2940],{"text":2941,"type":49},"Oui, selon la nature de l’opération.",{"type":45,"attrs":2943,"content":2944},{"textAlign":52},[2945],{"text":2946,"type":49},"Pour les livraisons de biens, la TVA est exigible dès l’encaissement de l’acompte depuis le 1er janvier 2023. Pour les prestations de services, elle est en principe exigible dès l’encaissement.",{"type":45,"attrs":2948,"content":2949},{"textAlign":52},[2950,2952,2956],{"text":2951,"type":49},"La TVA facturée sur l’acompte doit être déduite ",{"text":2953,"type":49,"marks":2954},"une seule fois",[2955],{"type":145},{"text":2957,"type":49},", puis soustraite du montant restant à récupérer sur la facture de solde.",{"_uid":2959,"hide":29,"title":2960,"component":1126,"description":2961},"ec8e23bc-5d17-4821-a1a0-77c2be8d9ccc","Un acompte est-il remboursable ?",{"type":42,"attrs":2962,"content":2963},{"backgroundColor":52},[2964,2969],{"type":45,"attrs":2965,"content":2966},{"textAlign":52},[2967],{"text":2968,"type":49},"En principe, l’acompte engage fermement les deux parties et n’est pas remboursable du seul fait d’un désistement.",{"type":45,"attrs":2970,"content":2971},{"textAlign":52},[2972,2974,2981],{"text":2973,"type":49},"Le remboursement peut toutefois intervenir lorsque le fournisseur n’exécute pas la prestation, lorsque le contrat le prévoit ou lorsque les parties conviennent d’annuler l’opération. Les arrhes obéissent à un régime différent, prévu par ",{"text":2975,"type":49,"marks":2976},"l’article 1590 du Code civil",[2977,2980],{"type":457,"attrs":2978},{"href":2979,"uuid":52,"anchor":52,"target":2319,"linktype":32},"https://www.service-public.gouv.fr/particuliers/vosdroits/F31187",{"type":145},{"text":577,"type":49},{"_uid":2983,"hide":29,"title":2984,"component":1126,"description":2985},"7247af96-de8d-41d1-8544-0e3e3671eaad","Quelle différence entre une facture d’acompte et une facture de situation ?",{"type":42,"attrs":2986,"content":2987},{"backgroundColor":52},[2988,2993],{"type":45,"attrs":2989,"content":2990},{"textAlign":52},[2991],{"text":2992,"type":49},"La facture d’acompte correspond à un paiement anticipé prévu avant la livraison ou le début de la prestation.",{"type":45,"attrs":2994,"content":2995},{"textAlign":52},[2996,2998,3002],{"text":2997,"type":49},"La facture de situation correspond à ",{"text":2999,"type":49,"marks":3000},"l’avancement réel d’une prestation ou de travaux",[3001],{"type":145},{"text":3003,"type":49},". Elle est fréquente dans le BTP et se calcule selon les travaux effectivement réalisés.",[3005],{"cta":3006,"_uid":3007,"title":3008,"eyebrow":3018,"subtitle":3025,"component":149,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3028,"sectionSettings":3029,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5a398c79-9777-49d5-be6c-5e7af530bb9f",{"type":42,"attrs":3009,"content":3010},{"backgroundColor":52},[3011],{"type":149,"attrs":3012,"content":3013},{"level":151,"textAlign":52},[3014],{"text":3015,"type":49,"marks":3016},"Questions fréquentes sur les factures d’acompte fournisseurs",[3017],{"type":145},{"type":42,"attrs":3019,"content":3020},{"backgroundColor":52},[3021],{"type":45,"attrs":3022,"content":3023},{"textAlign":52},[3024],{"text":1497,"type":49},{"type":42,"content":3026},[3027],{"type":45},[],[],[],"facture-d-acompte-fournisseur","fr/blog/facture-d-acompte-fournisseur",-3220,[],"a37f7fc8-767b-490d-ad60-6f79e65b3bb6","2026-09-05T08:15:48.167Z",[],"blog/facture-d-acompte-fournisseur",[3040,3041,3042],{"path":3038,"name":52,"lang":58,"published":52},{"path":3038,"name":52,"lang":64,"published":52},{"path":3038,"name":52,"lang":66,"published":52},{"name":3044,"created_at":3045,"published_at":3046,"updated_at":3047,"id":3048,"uuid":3049,"content":3050,"slug":3217,"full_slug":3218,"sort_by_date":52,"position":3219,"tag_list":3220,"is_startpage":29,"parent_id":1191,"meta_data":52,"group_id":3221,"first_published_at":3222,"release_id":52,"lang":58,"path":52,"alternates":3223,"default_full_slug":3224,"translated_slugs":3225},"Dépenses hors politique, comment gérer les exceptions sans perdre le contrôle ?","2026-09-05T07:23:22.669Z","2026-09-05T08:23:25.629Z","2026-09-05T08:23:25.661Z",216692337367747,"4055d382-154f-4d22-b9df-dff57afe525a",{"_uid":3051,"title":3044,"topics":3052,"noIndex":29,"category":3081,"language":3090,"component":1093,"heroMedia":3091,"publishedAt":2901,"redirectUrl":23,"listingImage":3098,"metaDescription":3099,"bottomArticleCta":3100,"componentsAfterTheArticle":3101},"7a37bed5-e765-4151-9aca-9b7d93e231f5",[3053,3061],{"name":70,"created_at":71,"published_at":6,"updated_at":72,"id":73,"uuid":74,"content":3054,"slug":78,"full_slug":79,"sort_by_date":52,"position":80,"tag_list":3055,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":83,"first_published_at":84,"release_id":52,"lang":58,"path":52,"alternates":3056,"default_full_slug":86,"translated_slugs":3057,"_stopResolving":67},{"_uid":76,"name":70,"component":77},[],[],[3058,3059,3060],{"path":86,"name":52,"lang":58,"published":52},{"path":86,"name":52,"lang":64,"published":52},{"path":86,"name":52,"lang":66,"published":52},{"name":3062,"created_at":3063,"published_at":6,"updated_at":3064,"id":3065,"uuid":3066,"content":3067,"slug":3069,"full_slug":3070,"sort_by_date":52,"position":3071,"tag_list":3072,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":3073,"first_published_at":3074,"release_id":52,"lang":58,"path":52,"alternates":3075,"default_full_slug":3076,"translated_slugs":3077,"_stopResolving":67},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-03-12T10:47:22.758Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":3068,"name":3062,"component":77},"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",[3078,3079,3080],{"path":3076,"name":52,"lang":58,"published":52},{"path":3076,"name":52,"lang":64,"published":52},{"path":3076,"name":52,"lang":66,"published":52},{"name":1081,"created_at":1082,"published_at":6,"updated_at":1083,"id":1084,"uuid":1085,"content":3082,"slug":1093,"full_slug":1094,"sort_by_date":52,"position":1095,"tag_list":3084,"is_startpage":29,"parent_id":1097,"meta_data":52,"group_id":1098,"first_published_at":1099,"release_id":52,"lang":58,"path":52,"alternates":3085,"default_full_slug":1101,"translated_slugs":3086,"_stopResolving":67},{"_uid":1087,"icon":3083,"name":1081,"component":1092},{"id":1089,"alt":1090,"name":23,"focus":23,"title":23,"filename":1091,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3087,3088,3089],{"path":1101,"name":52,"lang":58,"published":52},{"path":1101,"name":52,"lang":64,"published":52},{"path":1101,"name":52,"lang":66,"published":52},[58],[3092],{"_uid":3093,"asset":3094,"caption":23,"component":1113},"ddfd8a30-60ae-4780-b731-76e057bb2a18",{"id":3095,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3096,"copyright":23,"fieldtype":28,"meta_data":3097,"is_external_url":29},168579769286404,"https://a.storyblok.com/f/146026/1376x768/344bc06cba/expense-categorisation.png",{},[],"Dépenses hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[3102],{"cta":3103,"_uid":3104,"items":3105,"heading":3190,"reverse":29,"component":1178,"sectionSettings":3216},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[3106,3126,3147,3168],{"_uid":3107,"hide":29,"title":3108,"component":1126,"description":3109},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":42,"attrs":3110,"content":3111},{"backgroundColor":52},[3112,3117],{"type":45,"attrs":3113,"content":3114},{"textAlign":52},[3115],{"text":3116,"type":49},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":45,"attrs":3118,"content":3119},{"textAlign":52},[3120,3122],{"text":3121,"type":49},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":3123,"type":49,"marks":3124},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[3125],{"type":145},{"_uid":3127,"hide":29,"title":3128,"component":1126,"description":3129},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":42,"attrs":3130,"content":3131},{"backgroundColor":52},[3132,3137],{"type":45,"attrs":3133,"content":3134},{"textAlign":52},[3135],{"text":3136,"type":49},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":45,"attrs":3138,"content":3139},{"textAlign":52},[3140,3142,3146],{"text":3141,"type":49},"La décision doit être conservée avec ",{"text":3143,"type":49,"marks":3144},"le motif et l’identité de l’approbateur",[3145],{"type":145},{"text":577,"type":49},{"_uid":3148,"hide":29,"title":3149,"component":1126,"description":3150},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":42,"attrs":3151,"content":3152},{"backgroundColor":52},[3153,3158],{"type":45,"attrs":3154,"content":3155},{"textAlign":52},[3156],{"text":3157,"type":49},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":45,"attrs":3159,"content":3160},{"textAlign":52},[3161,3163,3167],{"text":3162,"type":49},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":3164,"type":49,"marks":3165},"10 ans à compter de la clôture de l’exercice",[3166],{"type":145},{"text":577,"type":49},{"_uid":3169,"hide":29,"title":3170,"component":1126,"description":3171},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":42,"attrs":3172,"content":3173},{"backgroundColor":52},[3174,3179],{"type":45,"attrs":3175,"content":3176},{"textAlign":52},[3177],{"text":3178,"type":49},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":45,"attrs":3180,"content":3181},{"textAlign":52},[3182,3184,3188],{"text":3183,"type":49},"Cette organisation permet à chaque équipe de conserver ",{"text":3185,"type":49,"marks":3186},"un cadre adapté à son activité",[3187],{"type":145},{"text":3189,"type":49},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[3191],{"cta":3192,"_uid":3193,"title":3194,"eyebrow":3204,"subtitle":3211,"component":149,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3214,"sectionSettings":3215,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":42,"attrs":3195,"content":3196},{"backgroundColor":52},[3197],{"type":149,"attrs":3198,"content":3199},{"level":151,"textAlign":52},[3200],{"text":3201,"type":49,"marks":3202},"Questions fréquentes sur les 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fournisseurs en anomalie, identifiez les écarts, automatisez les contrôles et traitez les litiges sans retarder vos paiements.",[],[3276],{"cta":3277,"_uid":3278,"items":3279,"heading":3365,"reverse":29,"component":1178,"sectionSettings":3391},[],"302c4b49-3811-4692-8939-e38c44435b6a",[3280,3302,3322,3344],{"_uid":3281,"hide":29,"title":3282,"component":1126,"description":3283},"586feb90-1418-41b9-aa88-8bc7a065973d","Comment traiter une facture fournisseur en anomalie ?",{"type":42,"attrs":3284,"content":3285},{"backgroundColor":52},[3286,3297],{"type":45,"attrs":3287,"content":3288},{"textAlign":52},[3289,3291,3295],{"text":3290,"type":49},"Commencez par identifier la nature de l’écart, puis vérifiez la commande, la livraison, le contrat et les informations du fournisseur. ",{"text":3292,"type":49,"marks":3293},"Attribuez ensuite le dossier à la bonne personne",[3294],{"type":145},{"text":3296,"type":49},", avec une action et une échéance précises.",{"type":45,"attrs":3298,"content":3299},{"textAlign":52},[3300],{"text":3301,"type":49},"Une donnée manquante peut être complétée, un écart de prix doit être vérifié avec les achats et une modification d’IBAN doit être confirmée par un canal indépendant.",{"_uid":3303,"hide":29,"title":3304,"component":1126,"description":3305},"23cc5f21-cf34-42f3-a1f5-beab78d05f2c","Faut-il bloquer le paiement en cas d’écart entre la commande et la facture ?",{"type":42,"attrs":3306,"content":3307},{"backgroundColor":52},[3308,3313],{"type":45,"attrs":3309,"content":3310},{"textAlign":52},[3311],{"text":3312,"type":49},"Non, pas automatiquement. Si une partie du montant est certaine et non contestée, elle peut être réglée à l’échéance, après validation du paiement partiel et accord avec le fournisseur.",{"type":45,"attrs":3314,"content":3315},{"textAlign":52},[3316,3318],{"text":3317,"type":49},"La ligne litigieuse est ensuite traitée séparément, avec un avoir ou une facture rectificative si nécessaire. ",{"text":3319,"type":49,"marks":3320},"Le paiement doit rester intégralement documenté.",[3321],{"type":145},{"_uid":3323,"hide":29,"title":3324,"component":1126,"description":3325},"a2a1cc11-f0d6-4699-8b8b-d7308207a8bb","Comment automatiser le traitement des factures fournisseurs ?",{"type":42,"attrs":3326,"content":3327},{"backgroundColor":52},[3328,3333],{"type":45,"attrs":3329,"content":3330},{"textAlign":52},[3331],{"text":3332,"type":49},"L’automatisation repose sur l’extraction des données, le rapprochement à trois voies, les workflows d’approbation et le paiement intégré.",{"type":45,"attrs":3334,"content":3335},{"textAlign":52},[3336,3338,3342],{"text":3337,"type":49},"L’outil doit également permettre de gérer les exceptions avec ",{"text":3339,"type":49,"marks":3340},"un statut, un responsable et une échéance",[3341],{"type":145},{"text":3343,"type":49},", afin que seules les factures en écart nécessitent une intervention 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00:00",[],"Durée de conservation des documents d’entreprise, découvrez les délais par type, les règles de 2026 et les sanctions en cas de destruction anticipée.",[],[3445],{"cta":3446,"_uid":3447,"items":3448,"heading":3535,"reverse":29,"component":1178,"sectionSettings":3561},[],"0fea1def-2ce1-413f-8891-bfa4124b132b",[3449,3470,3492,3513],{"_uid":3450,"hide":29,"title":3451,"component":1126,"description":3452},"794e9889-487e-4056-9e3a-89f78363b1ab","Quelle est la durée de conservation des documents comptables d’une entreprise ?",{"type":42,"attrs":3453,"content":3454},{"backgroundColor":52},[3455,3465],{"type":45,"attrs":3456,"content":3457},{"textAlign":52},[3458,3460,3463],{"text":3459,"type":49},"Les documents comptables doivent généralement être conservés pendant ",{"text":3164,"type":49,"marks":3461},[3462],{"type":145},{"text":3464,"type":49},", conformément à l’article L123-22 du Code de 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Les entreprises doivent donc ",{"text":3487,"type":49,"marks":3488},"revoir leur calendrier de destruction",[3489],{"type":145},{"text":3491,"type":49}," pour les archives fiscales déjà constituées.",{"_uid":3493,"hide":29,"title":3494,"component":1126,"description":3495},"50716ec3-c6ea-4122-9d26-9e070d157bf4","Peut-on détruire les documents papier après les avoir numérisés ?",{"type":42,"attrs":3496,"content":3497},{"backgroundColor":52},[3498,3503],{"type":45,"attrs":3499,"content":3500},{"textAlign":52},[3501],{"text":3502,"type":49},"Oui, uniquement si la copie numérique est fiable et si la procédure de numérisation respecte les exigences légales.",{"type":45,"attrs":3504,"content":3505},{"textAlign":52},[3506,3508,3512],{"text":3507,"type":49},"Un scan ou une photographie isolée ne suffit pas nécessairement. La copie doit être fidèle, intègre et conservée dans un système qui garantit ",{"text":3509,"type":49,"marks":3510},"son authenticité et sa stabilité dans le temps",[3511],{"type":145},{"text":577,"type":49},{"_uid":3514,"hide":29,"title":3515,"component":1126,"description":3516},"f8581ebf-6928-4ef9-9c43-c782a781cb5b","Quelle administration peut réclamer les documents d’une entreprise ?",{"type":42,"attrs":3517,"content":3518},{"backgroundColor":52},[3519,3524],{"type":45,"attrs":3520,"content":3521},{"textAlign":52},[3522],{"text":3523,"type":49},"La DGFiP peut demander les documents comptables et fiscaux nécessaires à un contrôle fiscal. L’URSSAF peut demander les pièces utiles au contrôle des cotisations sociales.",{"type":45,"attrs":3525,"content":3526},{"textAlign":52},[3527,3529,3533],{"text":3528,"type":49},"Le délai applicable dépend de la nature du document. 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Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":4592,"hide":29,"title":4593,"component":1126,"description":4594},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":42,"attrs":4595,"content":4596},{"backgroundColor":52},[4597],{"type":45,"attrs":4598,"content":4599},{"textAlign":52},[4600,4602,4606],{"text":4601,"type":49},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":4603,"type":49,"marks":4604},"2028 sur l’exercice 2027",[4605],{"type":145},{"text":4607,"type":49},". 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",{"text":4648,"type":49,"marks":4649},"La priorité consiste donc à clarifier votre statut, puis à fiabiliser les informations que vos clients peuvent vous demander.",[4650],{"type":145},[4652],{"cta":4653,"_uid":4654,"title":4655,"eyebrow":4663,"subtitle":4670,"component":149,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4673,"sectionSettings":4674,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"cbaf1c9f-32d2-4f32-9c41-f2aeab756a1a",{"type":42,"attrs":4656,"content":4657},{"backgroundColor":52},[4658],{"type":149,"attrs":4659,"content":4660},{"level":151,"textAlign":52},[4661],{"text":4662,"type":49},"Questions fréquentes sur l'Omnibus et la CSRD",{"type":42,"attrs":4664,"content":4665},{"backgroundColor":52},[4666],{"type":45,"attrs":4667,"content":4668},{"textAlign":52},[4669],{"text":1497,"type":49},{"type":42,"content":4671},[4672],{"type":45},[],[],[],"omnibus-csrd","fr/blog/omnibus-csrd",-2510,[],"1521f5a7-3bc3-4ac6-8f3e-3b1096afb3ba",[],"blog/omnibus-csrd",[4684,4685,4686],{"path":4682,"name":52,"lang":58,"published":52},{"path":4682,"name":52,"lang":64,"published":52},{"path":4682,"name":52,"lang":66,"published":52},{"name":4688,"created_at":4689,"published_at":4690,"updated_at":4691,"id":4692,"uuid":4693,"content":4694,"slug":4839,"full_slug":4840,"sort_by_date":52,"position":4841,"tag_list":4842,"is_startpage":29,"parent_id":1191,"meta_data":52,"group_id":4843,"first_published_at":4690,"release_id":52,"lang":58,"path":52,"alternates":4844,"default_full_slug":4845,"translated_slugs":4846},"Prime de partage de la valeur en 2026 : obligations, options et budget pour le DAF","2026-08-14T12:31:34.489Z","2026-08-14T13:16:37.062Z","2026-08-14T13:16:37.096Z",208982403064812,"cda6c1a0-234e-4589-92f5-228566c4b76e",{"_uid":4695,"title":4688,"topics":4696,"noIndex":29,"category":4705,"language":4714,"component":1093,"heroMedia":4715,"publishedAt":4565,"redirectUrl":23,"listingImage":4722,"metaDescription":4723,"bottomArticleCta":4724,"componentsAfterTheArticle":4725},"343b3128-983a-45ff-a746-24a1aa918690",[4697],{"name":70,"created_at":71,"published_at":6,"updated_at":72,"id":73,"uuid":74,"content":4698,"slug":78,"full_slug":79,"sort_by_date":52,"position":80,"tag_list":4699,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":83,"first_published_at":84,"release_id":52,"lang":58,"path":52,"alternates":4700,"default_full_slug":86,"translated_slugs":4701,"_stopResolving":67},{"_uid":76,"name":70,"component":77},[],[],[4702,4703,4704],{"path":86,"name":52,"lang":58,"published":52},{"path":86,"name":52,"lang":64,"published":52},{"path":86,"name":52,"lang":66,"published":52},{"name":1081,"created_at":1082,"published_at":6,"updated_at":1083,"id":1084,"uuid":1085,"content":4706,"slug":1093,"full_slug":1094,"sort_by_date":52,"position":1095,"tag_list":4708,"is_startpage":29,"parent_id":1097,"meta_data":52,"group_id":1098,"first_published_at":1099,"release_id":52,"lang":58,"path":52,"alternates":4709,"default_full_slug":1101,"translated_slugs":4710,"_stopResolving":67},{"_uid":1087,"icon":4707,"name":1081,"component":1092},{"id":1089,"alt":1090,"name":23,"focus":23,"title":23,"filename":1091,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4711,4712,4713],{"path":1101,"name":52,"lang":58,"published":52},{"path":1101,"name":52,"lang":64,"published":52},{"path":1101,"name":52,"lang":66,"published":52},[58],[4716],{"_uid":4717,"asset":4718,"caption":23,"component":1113},"2ebe63d4-f1f6-4462-97d2-90386ee2fee1",{"id":4719,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4720,"copyright":23,"fieldtype":28,"meta_data":4721,"is_external_url":29},189927423877183,"https://a.storyblok.com/f/146026/1376x768/90b9e67f35/1778521717468-v1ey7.png",{},[],"Partage de la valeur 2026 : obligations des entreprises, choix entre PPV, intéressement et participation, calendrier et budget à prévoir pour le DAF.",[],[4726],{"cta":4727,"_uid":4728,"items":4729,"heading":4814,"reverse":29,"component":1178,"sectionSettings":4838},[],"eb685b66-d405-4a61-974b-de4f3560b4f0",[4730,4741,4758,4775,4792],{"_uid":4731,"hide":29,"title":4732,"component":1126,"description":4733},"f1780251-ae4a-425d-a4f8-1d7bea3a582b","Quelles entreprises sont concernées par l’obligation de partage de la valeur ?",{"type":42,"attrs":4734,"content":4735},{"backgroundColor":52},[4736],{"type":45,"attrs":4737,"content":4738},{"textAlign":52},[4739],{"text":4740,"type":49},"L’obligation concerne les entreprises d’au moins 11 salariés qui ont réalisé un bénéfice net fiscal d’au moins 1 % du chiffre d’affaires pendant trois exercices consécutifs et qui ne sont pas déjà soumises à la participation obligatoire. Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":4742,"hide":29,"title":4743,"component":1126,"description":4744},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":42,"attrs":4745,"content":4746},{"backgroundColor":52},[4747],{"type":45,"attrs":4748,"content":4749},{"textAlign":52},[4750,4752,4756],{"text":4751,"type":49},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":4753,"type":49,"marks":4754},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[4755],{"type":145},{"text":4757,"type":49},", selon les conditions prévues par la loi.",{"_uid":4759,"hide":29,"title":4760,"component":1126,"description":4761},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":42,"attrs":4762,"content":4763},{"backgroundColor":52},[4764],{"type":45,"attrs":4765,"content":4766},{"textAlign":52},[4767,4769,4773],{"text":4768,"type":49},"La PPV est exonérée dans la limite de ",{"text":4770,"type":49,"marks":4771},"3 000 € par bénéficiaire et par année civile",[4772],{"type":145},{"text":4774,"type":49},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. Un régime temporaire plus favorable s’applique jusqu’au 31 décembre 2026 dans certaines entreprises de moins de 50 salariés.",{"_uid":4776,"hide":29,"title":4777,"component":1126,"description":4778},"23d98ee2-c951-4b69-a9b1-1f635e4cca73","Quand verser l’intéressement ou la participation pour un exercice clos le 31 décembre ?",{"type":42,"attrs":4779,"content":4780},{"backgroundColor":52},[4781],{"type":45,"attrs":4782,"content":4783},{"textAlign":52},[4784,4786,4790],{"text":4785,"type":49},"Pour un exercice clos le 31 décembre, l’intéressement et la participation doivent généralement être versés au plus tard ",{"text":4787,"type":49,"marks":4788},"le 31 mai",[4789],{"type":145},{"text":4791,"type":49},", selon les règles propres à chaque dispositif. La PPV bénéficie d’un calendrier plus souple, avec un versement possible au cours de l’année civile dans la limite d’un versement par trimestre.",{"_uid":4793,"hide":29,"title":4794,"component":1126,"description":4795},"9d07f9a2-fb6f-4922-b1c9-fa2357dc4fc9","Comment garder le contrôle des dépenses engagées ?",{"type":42,"attrs":4796,"content":4797},{"backgroundColor":52},[4798,4809],{"type":45,"attrs":4799,"content":4800},{"textAlign":52},[4801,4803,4807],{"text":4802,"type":49},"Le montant de la prime n’est pas le seul sujet à anticiper. ",{"text":4804,"type":49,"marks":4805},"L’échéance de paiement, le régime social et la trésorerie disponible",[4806],{"type":145},{"text":4808,"type":49}," doivent être suivis ensemble.",{"type":45,"attrs":4810,"content":4811},{"textAlign":52},[4812],{"text":4813,"type":49},"En centralisant les engagements de dépenses et les données de trésorerie, les équipes finance peuvent rapprocher plus facilement les provisions comptables des sorties de cash prévues.",[4815],{"cta":4816,"_uid":4817,"title":4818,"eyebrow":4826,"subtitle":4833,"component":149,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4836,"sectionSettings":4837,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"01c01bbf-6e86-4dc6-a36b-8055e306648b",{"type":42,"attrs":4819,"content":4820},{"backgroundColor":52},[4821],{"type":149,"attrs":4822,"content":4823},{"level":151,"textAlign":52},[4824],{"text":4825,"type":49},"Questions fréquentes sur la prime de partage de la valeur obligatoire",{"type":42,"attrs":4827,"content":4828},{"backgroundColor":52},[4829],{"type":45,"attrs":4830,"content":4831},{"textAlign":52},[4832],{"text":1497,"type":49},{"type":42,"content":4834},[4835],{"type":45},[],[],[],"prime-de-partage-de-la-valeur-obligatoire","fr/blog/prime-de-partage-de-la-valeur-obligatoire",-2490,[],"eaea690c-b4d3-433c-989c-41f834083abd",[],"blog/prime-de-partage-de-la-valeur-obligatoire",[4847,4848,4849],{"path":4845,"name":52,"lang":58,"published":52},{"path":4845,"name":52,"lang":64,"published":52},{"path":4845,"name":52,"lang":66,"published":52},{"name":4851,"created_at":4852,"published_at":4853,"updated_at":4854,"id":4855,"uuid":4856,"content":4857,"slug":5048,"full_slug":5049,"sort_by_date":52,"position":5050,"tag_list":5051,"is_startpage":29,"parent_id":1191,"meta_data":52,"group_id":5052,"first_published_at":4853,"release_id":52,"lang":58,"path":52,"alternates":5053,"default_full_slug":5054,"translated_slugs":5055},"Clôture comptable en PME multi-entités : rapprochement bancaire, lettrage et checklist de fin de mois","2026-07-31T12:38:12.382Z","2026-07-31T13:16:19.008Z","2026-07-31T13:16:19.051Z",204029511235634,"b4a63723-8add-43a3-94a5-c91e45df9223",{"_uid":4858,"title":4851,"topics":4859,"noIndex":29,"category":4868,"language":4877,"component":1093,"heroMedia":4878,"publishedAt":4885,"redirectUrl":23,"listingImage":4886,"metaDescription":4887,"bottomArticleCta":4888,"componentsAfterTheArticle":4889},"5a676a4b-8b52-4f0d-b0a3-c3a7984be706",[4860],{"name":70,"created_at":71,"published_at":6,"updated_at":72,"id":73,"uuid":74,"content":4861,"slug":78,"full_slug":79,"sort_by_date":52,"position":80,"tag_list":4862,"is_startpage":29,"parent_id":82,"meta_data":52,"group_id":83,"first_published_at":84,"release_id":52,"lang":58,"path":52,"alternates":4863,"default_full_slug":86,"translated_slugs":4864,"_stopResolving":67},{"_uid":76,"name":70,"component":77},[],[],[4865,4866,4867],{"path":86,"name":52,"lang":58,"published":52},{"path":86,"name":52,"lang":64,"published":52},{"path":86,"name":52,"lang":66,"published":52},{"name":1081,"created_at":1082,"published_at":6,"updated_at":1083,"id":1084,"uuid":1085,"content":4869,"slug":1093,"full_slug":1094,"sort_by_date":52,"position":1095,"tag_list":4871,"is_startpage":29,"parent_id":1097,"meta_data":52,"group_id":1098,"first_published_at":1099,"release_id":52,"lang":58,"path":52,"alternates":4872,"default_full_slug":1101,"translated_slugs":4873,"_stopResolving":67},{"_uid":1087,"icon":4870,"name":1081,"component":1092},{"id":1089,"alt":1090,"name":23,"focus":23,"title":23,"filename":1091,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4874,4875,4876],{"path":1101,"name":52,"lang":58,"published":52},{"path":1101,"name":52,"lang":64,"published":52},{"path":1101,"name":52,"lang":66,"published":52},[58],[4879],{"_uid":4880,"asset":4881,"caption":23,"component":1113},"1011b6b3-939b-4882-ad57-5e69fbbe262b",{"id":4882,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":4883,"copyright":23,"fieldtype":28,"meta_data":4884,"is_external_url":29},143136604786766,"https://a.storyblok.com/f/146026/1020x680/c4ed9e9b82/best-expense-management-software.png",{},"2026-07-31 00:00",[],"Clôture comptable en PME multi-entités : automatisez le rapprochement bancaire, fiabilisez le lettrage et pilotez votre checklist de fin de mois.",[],[4890],{"cta":4891,"_uid":4892,"items":4893,"heading":5023,"reverse":29,"component":1178,"sectionSettings":5047},[],"eabab4e5-8889-4c3b-9283-c4934f4f4256",[4894,4904,4914,4959,4969,4979,5013],{"_uid":4895,"hide":29,"title":4896,"component":1126,"description":4897},"b3d4a443-73ee-4408-aa5b-ec71c199e6a2","Quelle est la différence entre rapprochement bancaire et réconciliation bancaire ?",{"type":42,"content":4898},[4899],{"type":45,"attrs":4900,"content":4901},{"textAlign":52},[4902],{"text":4903,"type":49},"Le rapprochement bancaire compare le relevé bancaire avec les écritures du compte 512. La réconciliation est une notion plus large, qui peut également couvrir les comptes clients, fournisseurs, les justificatifs et les opérations entre plusieurs sources de données.",{"_uid":4905,"hide":29,"title":4906,"component":1126,"description":4907},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":42,"content":4908},[4909],{"type":45,"attrs":4910,"content":4911},{"textAlign":52},[4912],{"text":4913,"type":49},"Il n’existe pas toujours un ordre obligatoire. En pratique, le lettrage et le rapprochement bancaire peuvent être réalisés en parallèle. Le lettrage permet de nettoyer les comptes clients et fournisseurs, tandis que le rapprochement vérifie la concordance entre la banque et la comptabilité.",{"_uid":4915,"hide":29,"title":4916,"component":1126,"description":4917},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":42,"content":4918},[4919],{"type":45,"attrs":4920,"content":4921},{"textAlign":52},[4922,4924,4928,4930,4934,4936,4940,4942,4946,4948,4952,4954,4958],{"text":4923,"type":49},"Avec un compte 512 à ",{"text":4925,"type":49,"marks":4926},"42 000 €",[4927],{"type":145},{"text":4929,"type":49}," et un relevé bancaire à ",{"text":4931,"type":49,"marks":4932},"43 650 €",[4933],{"type":145},{"text":4935,"type":49},", un chèque de ",{"text":4937,"type":49,"marks":4938},"1 500 €",[4939],{"type":145},{"text":4941,"type":49}," non débité, un virement client de ",{"text":4943,"type":49,"marks":4944},"240 €",[4945],{"type":145},{"text":4947,"type":49}," et ",{"text":4949,"type":49,"marks":4950},"90 €",[4951],{"type":145},{"text":4953,"type":49}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":4955,"type":49,"marks":4956},"42 150 €",[4957],{"type":145},{"text":577,"type":49},{"_uid":4960,"hide":29,"title":4961,"component":1126,"description":4962},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":42,"content":4963},[4964],{"type":45,"attrs":4965,"content":4966},{"textAlign":52},[4967],{"text":4968,"type":49},"Un rapprochement mensuel constitue une bonne base. En environnement multi-entités ou lorsque les volumes sont importants, un rythme hebdomadaire réduit le nombre d’écarts à traiter lors de la clôture.",{"_uid":4970,"hide":29,"title":4971,"component":1126,"description":4972},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":42,"content":4973},[4974],{"type":45,"attrs":4975,"content":4976},{"textAlign":52},[4977],{"text":4978,"type":49},"Les dates dépendent de l’organisation de l’entreprise. Une checklist peut prévoir le rapprochement et le lettrage entre J+1 et J+5, les écritures d’inventaire avant la validation des comptes et les déclarations fiscales selon les échéances indiquées dans l’espace professionnel.",{"_uid":4980,"hide":29,"title":4981,"component":1126,"description":4982},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":42,"content":4983},[4984],{"type":45,"attrs":4985,"content":4986},{"textAlign":52},[4987,4993,4997,5002,5009],{"text":4988,"type":49,"marks":4989},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[4990],{"type":1847,"attrs":4991},{"color":4992},"oklch(0.923 0.003 48.717)",{"text":4994,"type":49,"marks":4995},"24 mois",[4996],{"type":145},{"text":4998,"type":49,"marks":4999},". 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Elles proposent des workflows de validation paramétrables par montant, département ou entité, avec approbation mobile et relances automatiques.",{"_uid":5366,"title":5367,"component":1126,"description":5368},"db2bd0c0-a6c3-45b2-90c3-205402efcb88","Comment intégrer la facturation électronique à mon logiciel comptable existant ?",{"type":42,"content":5369},[5370],{"type":45,"attrs":5371,"content":5372},{"textAlign":52},[5373],{"text":5374,"type":49},"Choisissez une solution disposant de connecteurs natifs avec votre logiciel (Pennylane, Cegid, Sage). Les données extraites par OCR s'intègrent directement dans votre comptabilité : écritures fournisseurs, TVA, codes analytiques. La synchronisation en temps réel élimine les exports manuels et réduit le délai de clôture de 3 à 5 jours en moyenne.",{"_uid":5376,"title":5377,"component":1126,"description":5378},"b38c127d-0e1e-4d86-a77d-d8984b5e1253","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":42,"content":5379},[5380],{"type":45,"attrs":5381,"content":5382},{"textAlign":52},[5383],{"text":5384,"type":49},"Non. Un PDF classique est une image numérique sans données structurées. Pour être conforme à la réforme, une facture doit utiliser un format structuré (Factur-X, UBL ou CII) et transiter par une plateforme certifiée PA ou le PPF.","dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme","fr/blog/dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme",-1460,[],"35fbaec0-2932-4993-885a-17e4aab1f4cc",[],"blog/dematerialisation-des-factures-simple-obligation-legale-ou-vrai-avantage-pour-les-pme",[5393,5394,5395],{"path":5391,"name":52,"lang":58,"published":52},{"path":5391,"name":52,"lang":64,"published":52},{"path":5391,"name":52,"lang":66,"published":52},[5397,5398,5399,5400],["Reactive",3043],["Reactive",3926],["Reactive",3404],["Reactive",4687],1789056386028]