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Mais cette autonomie soulève rapidement une question pour le DAF ou le responsable administratif et financier : ",{"text":216,"type":179,"marks":217},"qui peut dépenser, pour quel besoin et jusqu’à quel montant ?",[218],{"type":206},{"type":173,"attrs":220,"content":222},{"textAlign":26,"key":221},"p-2",[223,225,229],{"text":224,"type":179},"Le bon équilibre ne consiste pas à bloquer les cartes ou à fixer des plafonds très élevés. Il consiste à attribuer à chaque collaborateur ",{"text":226,"type":179,"marks":227},"le niveau de dépense nécessaire à son rôle",[228],{"type":206},{"text":230,"type":179},", puis à ajuster ce niveau lorsque le contexte change.",{"type":232,"attrs":233},"blok",{"id":234,"body":235},"ed8ce364-7d6b-4cbb-8277-b2f1add09a5b",[236],{"_uid":237,"text":238,"color":239,"title":240,"component":241},"i-c4749181-4be4-4aee-9b5f-aa3b030de7f8","- Le **plafond de carte** doit correspondre au besoin opérationnel et au niveau de risque de chaque collaborateur.\n\n\n- Un plafond peut être défini par carte, par période, par transaction, par catégorie de dépense ou par projet.\n- Les **hausses temporaires** sont généralement plus sûres que des plafonds permanents trop élevés.\n- Le contrôle avant paiement repose sur les plafonds, les règles de marchand et les validations nécessaires.\n- Le contrôle après paiement repose sur les justificatifs, la catégorisation, le rapprochement et la traçabilité.\n- Les cartes doivent être attribuées nominativement, suivies depuis une interface centralisée et désactivées lors du départ d’un collaborateur.\n- Les cartes virtuelles à usage unique limitent le risque lié aux achats en ligne et à la fuite de données.\n- Une carte entreprise plafonnée apporte souvent **plus de contrôle en amont** qu’une note de frais classique.","orange","📌 À retenir","callout",{"type":243,"attrs":244,"content":246},"heading",{"level":245,"textAlign":26},2,[247],{"text":248,"type":179,"marks":249},"Pourquoi le plafond est-il le premier levier de contrôle ?",[250],{"type":206},{"type":173,"attrs":252,"content":254},{"textAlign":26,"key":253},"p-3",[255,257,261],{"text":256,"type":179},"Le plafond d’une carte entreprise correspond à ",{"text":258,"type":179,"marks":259},"la limite de dépense autorisée pour un porteur et une période donnée",[260],{"type":206},{"text":262,"type":179},". Il peut également s’appliquer à une transaction, une catégorie de marchand, un projet ou un type de carte.",{"type":173,"attrs":264,"content":266},{"textAlign":26,"key":265},"p-4",[267],{"text":268,"type":179},"Il faut distinguer le plafond de paiement du plafond de retrait. Le premier encadre les achats courants, tandis que le second limite les retraits d’espèces, qui sont souvent plus difficiles à tracer et à justifier.",{"type":173,"attrs":270,"content":272},{"textAlign":26,"key":271},"p-5",[273,275,279],{"text":274,"type":179},"Un plafond bien calibré remplit deux fonctions. 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",{"text":635,"type":179,"marks":636},"Un commercial peut par exemple disposer d’un budget transport élevé tout en étant limité sur les retraits ou les achats hors politique.",[637],{"type":206},{"type":243,"attrs":639,"content":640},{"level":343,"textAlign":26},[641],{"text":642,"type":179,"marks":643},"Pourquoi privilégier les hausses temporaires ?",[644],{"type":206},{"type":173,"attrs":646,"content":648},{"textAlign":26,"key":647},"p-40",[649],{"text":650,"type":179},"Les hausses temporaires permettent d’adapter le budget à un événement précis sans augmenter durablement le niveau de risque.",{"type":173,"attrs":652,"content":654},{"textAlign":26,"key":653},"p-41",[655],{"text":656,"type":179},"Un responsable financier peut relever le plafond d’un commercial de 3 000 à 5 000 € pendant 48 heures pour couvrir un salon professionnel. Une fois la période terminée, le plafond revient automatiquement à son niveau habituel.",{"type":173,"attrs":658,"content":660},{"textAlign":26,"key":659},"p-42",[661,663,667],{"text":662,"type":179},"Cette méthode évite de conserver des limites élevées toute l’année pour répondre à ",{"text":664,"type":179,"marks":665},"un besoin exceptionnel de quelques jours",[666],{"type":206},{"text":208,"type":179},{"type":173,"attrs":669,"content":671},{"textAlign":26,"key":670},"p-43",[672,674,681],{"text":673,"type":179},"Avec Spendesk, l’équipe finance peut ajuster les limites selon la carte, l’utilisateur, le projet ou la catégorie. Les limites peuvent être modifiées depuis l’interface, sans avoir à demander une nouvelle carte à la banque. 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dépense",{"type":399,"attrs":857,"content":858},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[859],{"type":173,"attrs":860,"content":861},{"textAlign":26,"key":337},[862],{"text":863,"type":179},"Justificatif, catégorisation, rapprochement, contrôle budgétaire",{"type":243,"attrs":865,"content":866},{"level":343,"textAlign":26},[867],{"text":868,"type":179,"marks":869},"Comment fonctionne le contrôle avant paiement ?",[870],{"type":206},{"type":173,"attrs":872,"content":873},{"textAlign":26,"key":351},[874],{"text":875,"type":179},"Le contrôle avant paiement repose sur plusieurs mécanismes complémentaires.",{"type":173,"attrs":877,"content":878},{"textAlign":26,"key":368},[879],{"text":880,"type":179},"Les plafonds refusent automatiquement les transactions qui dépassent le montant autorisé. Les restrictions par catégorie peuvent bloquer les secteurs qui ne correspondent pas à l’activité de l’entreprise. Les workflows permettent enfin de faire valider une demande d’achat ou une augmentation temporaire avant de libérer le budget.",{"type":173,"attrs":882,"content":883},{"textAlign":26,"key":379},[884,886,890],{"text":885,"type":179},"Un collaborateur qui demande une enveloppe supplémentaire pour un déplacement peut ainsi soumettre sa demande à son manager. ",{"text":887,"type":179,"marks":888},"La dépense est contrôlée avant que le budget ne soit engagé",[889],{"type":206},{"text":891,"type":179},", et non après réception de la note de frais.",{"type":243,"attrs":893,"content":894},{"level":343,"textAlign":26},[895],{"text":896,"type":179,"marks":897},"Comment fonctionne le contrôle après paiement ?",[898],{"type":206},{"type":173,"attrs":900,"content":901},{"textAlign":26,"key":390},[902],{"text":903,"type":179},"Le contrôle après paiement intervient une fois la transaction enregistrée. Il consiste à :",{"type":569,"content":905},[906,913,920,927,934,941],{"type":572,"content":907},[908],{"type":173,"attrs":909,"content":910},{"textAlign":26,"key":404},[911],{"text":912,"type":179},"collecter le justificatif ;",{"type":572,"content":914},[915],{"type":173,"attrs":916,"content":917},{"textAlign":26,"key":413},[918],{"text":919,"type":179},"vérifier la catégorie de dépense ;",{"type":572,"content":921},[922],{"type":173,"attrs":923,"content":924},{"textAlign":26,"key":422},[925],{"text":926,"type":179},"contrôler le montant ;",{"type":572,"content":928},[929],{"type":173,"attrs":930,"content":931},{"textAlign":26,"key":433},[932],{"text":933,"type":179},"rapprocher l’opération du budget ;",{"type":572,"content":935},[936],{"type":173,"attrs":937,"content":938},{"textAlign":26,"key":442},[939],{"text":940,"type":179},"associer la dépense à un projet ou à un centre de coût ;",{"type":572,"content":942},[943],{"type":173,"attrs":944,"content":945},{"textAlign":26,"key":451},[946],{"text":947,"type":179},"identifier les éventuelles anomalies.",{"type":173,"attrs":949,"content":950},{"textAlign":26,"key":462},[951,953,957],{"text":952,"type":179},"Cette étape permet de maintenir ",{"text":954,"type":179,"marks":955},"une traçabilité complète de la dépense",[956],{"type":206},{"text":958,"type":179},", depuis le paiement jusqu’à son traitement comptable.",{"type":243,"attrs":960,"content":961},{"level":343,"textAlign":26},[962],{"text":963,"type":179,"marks":964},"Pourquoi le contrôle après paiement ne suffit-il pas ?",[965],{"type":206},{"type":173,"attrs":967,"content":968},{"textAlign":26,"key":471},[969],{"text":970,"type":179},"Un contrôle exclusivement réalisé après paiement transforme souvent l’équipe finance en gestionnaire d’exceptions.",{"type":173,"attrs":972,"content":973},{"textAlign":26,"key":479},[974,976,980],{"text":975,"type":179},"Un renouvellement de licence logicielle de 1 200 € découvert trois semaines après la facturation ne peut plus être arbitré en amont. L’équipe peut encore demander un justificatif ou contester la dépense, mais ",{"text":977,"type":179,"marks":978},"elle ne peut plus empêcher l’engagement initial",[979],{"type":206},{"text":208,"type":179},{"type":173,"attrs":982,"content":983},{"textAlign":26,"key":490},[984],{"text":985,"type":179},"La combinaison des deux approches est donc plus efficace. Le contrôle avant paiement prévient les dépenses non conformes, tandis que le contrôle après paiement garantit la complétude des justificatifs et de la comptabilisation.",{"type":243,"attrs":987,"content":988},{"level":245,"textAlign":26},[989],{"text":990,"type":179,"marks":991},"Comment piloter un portefeuille de cartes entreprise ?",[992],{"type":206},{"type":173,"attrs":994,"content":995},{"textAlign":26,"key":499},[996,998,1002],{"text":997,"type":179},"La gestion quotidienne d’un parc de cartes dépasse le simple paramétrage des plafonds. Dès que plusieurs collaborateurs disposent d’une carte, l’équipe finance doit pouvoir suivre ",{"text":999,"type":179,"marks":1000},"les porteurs, les limites, les transactions et les accès",[1001],{"type":206},{"text":1003,"type":179}," depuis une même interface.",{"type":243,"attrs":1005,"content":1006},{"level":343,"textAlign":26},[1007],{"text":1008,"type":179,"marks":1009},"Pourquoi attribuer chaque carte nominativement ?",[1010],{"type":206},{"type":173,"attrs":1012,"content":1013},{"textAlign":26,"key":508},[1014],{"text":1015,"type":179},"Chaque carte doit être rattachée à un seul collaborateur. Une carte partagée entre plusieurs personnes brouille la traçabilité et empêche d’appliquer un plafond adapté au profil de chaque utilisateur.",{"type":232,"attrs":1017},{"id":234,"body":1018},[1019],{"_uid":1020,"asset":1021,"caption":52,"component":316},"i-42459177-c244-4238-aa56-1b1c8ed2f156",{"id":1022,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1023,"copyright":52,"fieldtype":154,"meta_data":1024,"is_external_url":29},208918519163164,"https://a.storyblok.com/f/146026/1600x1067/6391d7c2f9/dts_grand_design_daniel_faro_photos_id4129.jpg",{"size":1025},"1600x1067",{"type":173,"attrs":1027,"content":1028},{"textAlign":26,"key":519},[1029,1031,1035],{"text":1030,"type":179},"L’attribution nominative permet de relier chaque transaction à ",{"text":1032,"type":179,"marks":1033},"un responsable identifié",[1034],{"type":206},{"text":1036,"type":179},". Elle facilite également les relances lorsqu’un justificatif manque ou lorsqu’une dépense nécessite une explication.",{"type":173,"attrs":1038,"content":1039},{"textAlign":26,"key":528},[1040,1042,1049],{"text":1041,"type":179},"Les cartes partagées peuvent également créer des difficultés lors de la gestion des départs et des changements d’équipe. Pour approfondir ce sujet, consultez notre article sur la ",{"text":1043,"type":179,"marks":1044},"carte bancaire d’entreprise partagée",[1045,1048],{"type":301,"attrs":1046},{"href":1047,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/carte-entreprise-partagee/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1051,"content":1052},{"level":343,"textAlign":26},[1053],{"text":1054,"type":179,"marks":1055},"Pourquoi centraliser la gestion des cartes ?",[1056],{"type":206},{"type":173,"attrs":1058,"content":1059},{"textAlign":26,"key":537},[1060],{"text":1061,"type":179},"Un tableau de bord centralisé doit permettre de visualiser :",{"type":569,"content":1063},[1064,1071,1078,1085,1092,1099,1106],{"type":572,"content":1065},[1066],{"type":173,"attrs":1067,"content":1068},{"textAlign":26,"key":543},[1069],{"text":1070,"type":179},"les cartes actives ;",{"type":572,"content":1072},[1073],{"type":173,"attrs":1074,"content":1075},{"textAlign":26,"key":549},[1076],{"text":1077,"type":179},"les plafonds ;",{"type":572,"content":1079},[1080],{"type":173,"attrs":1081,"content":1082},{"textAlign":26,"key":564},[1083],{"text":1084,"type":179},"les dernières transactions ;",{"type":572,"content":1086},[1087],{"type":173,"attrs":1088,"content":1089},{"textAlign":26,"key":576},[1090],{"text":1091,"type":179},"les demandes en attente ;",{"type":572,"content":1093},[1094],{"type":173,"attrs":1095,"content":1096},{"textAlign":26,"key":584},[1097],{"text":1098,"type":179},"les cartes bloquées ;",{"type":572,"content":1100},[1101],{"type":173,"attrs":1102,"content":1103},{"textAlign":26,"key":592},[1104],{"text":1105,"type":179},"les justificatifs manquants ;",{"type":572,"content":1107},[1108],{"type":173,"attrs":1109,"content":1110},{"textAlign":26,"key":600},[1111],{"text":1112,"type":179},"les dépenses par équipe ou par catégorie.",{"type":173,"attrs":1114,"content":1115},{"textAlign":26,"key":608},[1116,1118],{"text":1117,"type":179},"Cette vision évite de naviguer entre plusieurs fichiers ou interfaces bancaires pour reconstituer la situation du portefeuille. ",{"text":1119,"type":179,"marks":1120},"La finance peut repérer plus rapidement les anomalies et agir avant la clôture.",[1121],{"type":206},{"type":243,"attrs":1123,"content":1124},{"level":343,"textAlign":26},[1125],{"text":1126,"type":179,"marks":1127},"Faut-il formaliser une charte d’utilisation ?",[1128],{"type":206},{"type":173,"attrs":1130,"content":1131},{"textAlign":26,"key":616},[1132],{"text":1133,"type":179},"Une charte d’utilisation n’est pas toujours légalement obligatoire, mais elle clarifie les règles applicables à chaque porteur.",{"type":173,"attrs":1135,"content":1136},{"textAlign":26,"key":624},[1137],{"text":1138,"type":179},"Elle peut préciser :",{"type":569,"content":1140},[1141,1148,1155,1162,1169,1176,1183],{"type":572,"content":1142},[1143],{"type":173,"attrs":1144,"content":1145},{"textAlign":26,"key":630},[1146],{"text":1147,"type":179},"les dépenses autorisées ;",{"type":572,"content":1149},[1150],{"type":173,"attrs":1151,"content":1152},{"textAlign":26,"key":647},[1153],{"text":1154,"type":179},"les catégories interdites ;",{"type":572,"content":1156},[1157],{"type":173,"attrs":1158,"content":1159},{"textAlign":26,"key":653},[1160],{"text":1161,"type":179},"le délai de transmission des justificatifs ;",{"type":572,"content":1163},[1164],{"type":173,"attrs":1165,"content":1166},{"textAlign":26,"key":659},[1167],{"text":1168,"type":179},"les règles de demande d’augmentation de plafond ;",{"type":572,"content":1170},[1171],{"type":173,"attrs":1172,"content":1173},{"textAlign":26,"key":670},[1174],{"text":1175,"type":179},"les niveaux d’approbation ;",{"type":572,"content":1177},[1178],{"type":173,"attrs":1179,"content":1180},{"textAlign":26,"key":691},[1181],{"text":1182,"type":179},"les comportements à adopter en cas de perte ou de vol ;",{"type":572,"content":1184},[1185],{"type":173,"attrs":1186,"content":1187},{"textAlign":26,"key":707},[1188],{"text":1189,"type":179},"les conséquences d’un usage personnel.",{"type":173,"attrs":1191,"content":1192},{"textAlign":26,"key":717},[1193,1195,1199],{"text":1194,"type":179},"Une charte bien rédigée facilite ",{"text":1196,"type":179,"marks":1197},"l’intégration des nouveaux collaborateurs",[1198],{"type":206},{"text":1200,"type":179}," et donne un cadre commun aux équipes.",{"type":243,"attrs":1202,"content":1203},{"level":343,"textAlign":26},[1204],{"text":1205,"type":179,"marks":1206},"Que faire lors du départ d’un collaborateur ?",[1207],{"type":206},{"type":173,"attrs":1209,"content":1210},{"textAlign":26,"key":725},[1211],{"text":1212,"type":179},"La carte doit être désactivée dès le départ du collaborateur, ou dès que son accès aux dépenses de l’entreprise n’est plus nécessaire.",{"type":173,"attrs":1214,"content":1215},{"textAlign":26,"key":733},[1216],{"text":1217,"type":179},"Intégrez cette étape au processus d’offboarding avec les ressources humaines. Vérifiez également les abonnements récurrents, les cartes virtuelles et les autorisations liées au porteur.",{"type":173,"attrs":1219,"content":1220},{"textAlign":26,"key":741},[1221],{"text":1222,"type":179,"marks":1223},"Une carte inactive mais toujours disponible reste une source de risque inutile.",[1224],{"type":206},{"type":243,"attrs":1226,"content":1227},{"level":245,"textAlign":26},[1228],{"text":1229,"type":179,"marks":1230},"Comment protéger les cartes contre la fraude ?",[1231],{"type":206},{"type":173,"attrs":1233,"content":1234},{"textAlign":26,"key":749},[1235,1237,1241],{"text":1236,"type":179},"La sécurité repose sur plusieurs couches. Une entreprise doit pouvoir ",{"text":1238,"type":179,"marks":1239},"prévenir la transaction, limiter son montant, détecter une anomalie et bloquer rapidement la carte",[1240],{"type":206},{"text":208,"type":179},{"type":243,"attrs":1243,"content":1244},{"level":343,"textAlign":26},[1245],{"text":1246,"type":179,"marks":1247},"Comment réagir en cas de perte ou de vol ?",[1248],{"type":206},{"type":173,"attrs":1250,"content":1251},{"textAlign":26,"key":755},[1252],{"text":1253,"type":179},"Une carte physique perdue ou volée doit pouvoir être bloquée immédiatement. Le titulaire ou l’équipe finance doit disposer d’une interface simple pour suspendre la carte, vérifier les dernières transactions et signaler une opération inconnue.",{"type":173,"attrs":1255,"content":1257},{"textAlign":26,"key":1256},"p-52",[1258,1260],{"text":1259,"type":179},"Une directrice administrative constate la disparition du portefeuille d’un consultant lors d’un déplacement à Lyon. Elle suspend la carte depuis son interface et vérifie les transactions récentes. ",{"text":1261,"type":179,"marks":1262},"La rapidité du blocage limite la fenêtre pendant laquelle une utilisation frauduleuse peut avoir lieu.",[1263],{"type":206},{"type":173,"attrs":1265,"content":1267},{"textAlign":26,"key":1266},"p-53",[1268,1270,1277],{"text":1269,"type":179},"Pour approfondir les bonnes pratiques, consultez notre article sur la ",{"text":1271,"type":179,"marks":1272},"sécurité des paiements en ligne",[1273,1276],{"type":301,"attrs":1274},{"href":1275,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/securite-paiements-en-ligne/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1279,"content":1280},{"level":343,"textAlign":26},[1281],{"text":1282,"type":179,"marks":1283},"Pourquoi limiter les retraits d’espèces ?",[1284],{"type":206},{"type":173,"attrs":1286,"content":1288},{"textAlign":26,"key":1287},"p-54",[1289],{"text":1290,"type":179},"Les retraits d’espèces sont souvent plus difficiles à tracer et à rattacher à un justificatif qu’un paiement par carte.",{"type":173,"attrs":1292,"content":1294},{"textAlign":26,"key":1293},"p-55",[1295,1297],{"text":1296,"type":179},"Sauf besoin professionnel clairement identifié, désactivez cette fonction ou limitez-la à un montant faible. ",{"text":1298,"type":179,"marks":1299},"La restriction des retraits réduit l’exposition à une utilisation difficile à contrôler.",[1300],{"type":206},{"type":243,"attrs":1302,"content":1303},{"level":343,"textAlign":26},[1304],{"text":1305,"type":179,"marks":1306},"Comment bloquer certaines catégories de marchands ?",[1307],{"type":206},{"type":173,"attrs":1309,"content":1311},{"textAlign":26,"key":1310},"p-56",[1312],{"text":1313,"type":179},"Les restrictions par catégorie de marchand permettent d’empêcher les paiements dans des secteurs qui ne correspondent pas à la politique de dépenses.",{"type":173,"attrs":1315,"content":1317},{"textAlign":26,"key":1316},"p-57",[1318],{"text":1319,"type":179},"Une entreprise peut par exemple bloquer :",{"type":569,"content":1321},[1322,1330,1338,1346,1354],{"type":572,"content":1323},[1324],{"type":173,"attrs":1325,"content":1327},{"textAlign":26,"key":1326},"p-58",[1328],{"text":1329,"type":179},"les casinos ;",{"type":572,"content":1331},[1332],{"type":173,"attrs":1333,"content":1335},{"textAlign":26,"key":1334},"p-59",[1336],{"text":1337,"type":179},"les sites de jeux en ligne ;",{"type":572,"content":1339},[1340],{"type":173,"attrs":1341,"content":1343},{"textAlign":26,"key":1342},"p-60",[1344],{"text":1345,"type":179},"certains distributeurs de billets ;",{"type":572,"content":1347},[1348],{"type":173,"attrs":1349,"content":1351},{"textAlign":26,"key":1350},"p-61",[1352],{"text":1353,"type":179},"des marchands situés dans des zones géographiques non couvertes ;",{"type":572,"content":1355},[1356],{"type":173,"attrs":1357,"content":1359},{"textAlign":26,"key":1358},"p-62",[1360],{"text":1361,"type":179},"des catégories sans rapport avec l’activité.",{"type":173,"attrs":1363,"content":1365},{"textAlign":26,"key":1364},"p-63",[1366],{"text":1367,"type":179},"Le paramétrage doit toutefois prévoir des exceptions lorsque l’activité de certains collaborateurs l’exige.",{"type":243,"attrs":1369,"content":1370},{"level":343,"textAlign":26},[1371],{"text":1372,"type":179,"marks":1373},"Les paiements en ligne nécessitent-ils une authentification forte ?",[1374],{"type":206},{"type":173,"attrs":1376,"content":1378},{"textAlign":26,"key":1377},"p-64",[1379,1381,1385],{"text":1380,"type":179},"Les paiements en ligne sont soumis à l’authentification forte du client dans les situations prévues par la réglementation, avec certaines exemptions. Cette authentification peut combiner ",{"text":1382,"type":179,"marks":1383},"deux facteurs distincts",[1384],{"type":206},{"text":1386,"type":179},", comme un élément connu du titulaire, un appareil détenu ou une donnée biométrique.",{"type":173,"attrs":1388,"content":1390},{"textAlign":26,"key":1389},"p-65",[1391,1393,1400],{"text":1392,"type":179},"Le 3-D Secure ajoute une étape de validation lors de certains paiements à distance. Consultez les informations de ",{"text":1394,"type":179,"marks":1395},"Service-Public sur l’authentification des paiements en ligne",[1396,1399],{"type":301,"attrs":1397},{"href":1398,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.service-public.fr/particuliers/vosdroits/F10486",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1402,"content":1403},{"level":343,"textAlign":26},[1404],{"text":1405,"type":179,"marks":1406},"Pourquoi utiliser des cartes virtuelles à usage unique ?",[1407],{"type":206},{"type":173,"attrs":1409,"content":1411},{"textAlign":26,"key":1410},"p-66",[1412,1414,1418],{"text":1413,"type":179},"Les cartes virtuelles à usage unique sont adaptées aux achats en ligne ponctuels. Elles peuvent être créées pour ",{"text":1415,"type":179,"marks":1416},"un montant, un fournisseur ou une dépense précise",[1417],{"type":206},{"text":1419,"type":179},", puis devenir inutilisables après le paiement.",{"type":173,"attrs":1421,"content":1423},{"textAlign":26,"key":1422},"p-67",[1424],{"text":1425,"type":179},"Elles limitent le risque lié à la fuite des données de carte chez un commerçant. Pour un abonnement, une carte virtuelle récurrente peut également être plafonnée au montant prévu et limitée au fournisseur concerné.",{"type":173,"attrs":1427,"content":1429},{"textAlign":26,"key":1428},"p-68",[1430,1432,1439],{"text":1431,"type":179},"Pour en savoir plus, consultez notre article sur ",{"text":1433,"type":179,"marks":1434},"la carte bancaire virtuelle",[1435,1438],{"type":301,"attrs":1436},{"href":1437,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/e-carte-bleue-fonctionnement-avantages/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1441,"content":1442},{"level":343,"textAlign":26},[1443],{"text":1444,"type":179,"marks":1445},"Que disent les dernières données sur la fraude à la carte ?",[1446],{"type":206},{"type":173,"attrs":1448,"content":1450},{"textAlign":26,"key":1449},"p-69",[1451,1453,1457],{"text":1452,"type":179},"Le rapport 2024 de l’Observatoire de la sécurité des moyens de paiement indique que le taux de fraude sur les cartes émises en France s’est stabilisé à ",{"text":1454,"type":179,"marks":1455},"53 euros pour 100 000 euros de paiements",[1456],{"type":206},{"text":1458,"type":179},", son niveau le plus bas depuis trois ans.",{"type":173,"attrs":1460,"content":1462},{"textAlign":26,"key":1461},"p-70",[1463,1465,1469,1471,1478],{"text":1464,"type":179},"Le montant total de la fraude aux moyens de paiement est resté inférieur à ",{"text":1466,"type":179,"marks":1467},"1,2 milliard d’euros",[1468],{"type":206},{"text":1470,"type":179}," en France. Ces chiffres ne dispensent pas les entreprises de mettre en place des contrôles adaptés, en particulier lorsqu’elles multiplient les cartes et les achats en ligne. Consultez le ",{"text":1472,"type":179,"marks":1473},"rapport 2024 de la Banque de France et de l’OSMP",[1474,1477],{"type":301,"attrs":1475},{"href":1476,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2024",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1480,"content":1481},{"level":245,"textAlign":26},[1482],{"text":1483,"type":179,"marks":1484},"Carte entreprise ou note de frais : quelle solution choisir ?",[1485],{"type":206},{"type":173,"attrs":1487,"content":1489},{"textAlign":26,"key":1488},"p-71",[1490],{"text":1491,"type":179},"La note de frais classique repose sur un contrôle principalement réalisé après paiement. Le salarié avance les fonds, conserve le justificatif, saisit sa demande et attend le remboursement.",{"type":173,"attrs":1493,"content":1495},{"textAlign":26,"key":1494},"p-72",[1496,1498,1502],{"text":1497,"type":179},"La carte entreprise plafonnée inverse cette logique. Le collaborateur dépense dans ",{"text":1499,"type":179,"marks":1500},"une enveloppe préalablement définie",[1501],{"type":206},{"text":1503,"type":179},", la transaction apparaît immédiatement et le justificatif peut être associé au paiement.",{"type":356,"content":1505},[1506,1541,1570,1598,1627,1655,1684],{"type":359,"content":1507},[1508,1519,1530],{"type":362,"attrs":1509,"content":1510},{"colspan":364,"rowspan":364,"colwidth":26},[1511],{"type":173,"attrs":1512,"content":1514},{"textAlign":26,"key":1513},"p-73",[1515],{"text":1516,"type":179,"marks":1517},"Situation",[1518],{"type":206},{"type":362,"attrs":1520,"content":1521},{"colspan":364,"rowspan":364,"colwidth":26},[1522],{"type":173,"attrs":1523,"content":1525},{"textAlign":26,"key":1524},"p-74",[1526],{"text":1527,"type":179,"marks":1528},"Carte entreprise 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règles paramétrées",{"type":399,"attrs":1591,"content":1592},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1593],{"type":173,"attrs":1594,"content":1596},{"textAlign":26,"key":1595},"p-81",[1597],{"text":1560,"type":179},{"type":359,"content":1599},[1600,1609,1618],{"type":399,"attrs":1601,"content":1602},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1603],{"type":173,"attrs":1604,"content":1606},{"textAlign":26,"key":1605},"p-82",[1607],{"text":1608,"type":179},"Visibilité sur la transaction",{"type":399,"attrs":1610,"content":1611},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1612],{"type":173,"attrs":1613,"content":1615},{"textAlign":26,"key":1614},"p-83",[1616],{"text":1617,"type":179},"Immédiate",{"type":399,"attrs":1619,"content":1620},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1621],{"type":173,"attrs":1622,"content":1624},{"textAlign":26,"key":1623},"p-84",[1625],{"text":1626,"type":179},"Après 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paiement",{"type":359,"content":1656},[1657,1666,1675],{"type":399,"attrs":1658,"content":1659},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1660],{"type":173,"attrs":1661,"content":1663},{"textAlign":26,"key":1662},"p-88",[1664],{"text":1665,"type":179},"Justificatif",{"type":399,"attrs":1667,"content":1668},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1669],{"type":173,"attrs":1670,"content":1672},{"textAlign":26,"key":1671},"p-89",[1673],{"text":1674,"type":179},"Capturé après la transaction",{"type":399,"attrs":1676,"content":1677},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1678],{"type":173,"attrs":1679,"content":1681},{"textAlign":26,"key":1680},"p-90",[1682],{"text":1683,"type":179},"Transmis par le salarié",{"type":359,"content":1685},[1686,1695,1704],{"type":399,"attrs":1687,"content":1688},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1689],{"type":173,"attrs":1690,"content":1692},{"textAlign":26,"key":1691},"p-91",[1693],{"text":1694,"type":179},"Cas particulier",{"type":399,"attrs":1696,"content":1697},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1698],{"type":173,"attrs":1699,"content":1701},{"textAlign":26,"key":1700},"p-92",[1702],{"text":1703,"type":179},"Dépenses récurrentes ou encadrées",{"type":399,"attrs":1705,"content":1706},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1707],{"type":173,"attrs":1708,"content":1710},{"textAlign":26,"key":1709},"p-93",[1711],{"text":1712,"type":179},"Dépense exceptionnelle ou commerçant n’acceptant pas la carte",{"type":173,"attrs":1714,"content":1716},{"textAlign":26,"key":1715},"p-94",[1717,1719,1723],{"text":1718,"type":179},"Un chef de projet réserve un hôtel à 800 € pour un séminaire. Avec une note de frais, il avance la somme et attend son remboursement. Avec une carte entreprise, ",{"text":1720,"type":179,"marks":1721},"la dépense est visible immédiatement et ne nécessite pas d’avance personnelle",[1722],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1725,"content":1727},{"textAlign":26,"key":1726},"p-95",[1728],{"text":1729,"type":179},"La note de frais reste pertinente lorsqu’un fournisseur n’accepte pas la carte, lorsqu’une dépense est exceptionnelle ou lorsqu’un collaborateur doit payer dans une situation imprévue.",{"type":173,"attrs":1731,"content":1733},{"textAlign":26,"key":1732},"p-96",[1734,1736,1740],{"text":1735,"type":179},"L’objectif n’est donc pas de supprimer toutes les notes de frais, mais de réserver ce processus aux situations où ",{"text":1737,"type":179,"marks":1738},"la carte entreprise n’apporte pas de bénéfice réel",[1739],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1742,"content":1744},{"textAlign":26,"key":1743},"p-97",[1745,1747,1754],{"text":1746,"type":179},"Pour approfondir la comparaison, consultez notre article sur la ",{"text":1748,"type":179,"marks":1749},"gestion des dépenses en entreprise",[1750,1753],{"type":301,"attrs":1751},{"href":1752,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/gestion-des-depenses/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1756,"content":1757},{"level":245,"textAlign":26},[1758],{"text":1759,"type":179,"marks":1760},"Comment mettre en place une politique de contrôle efficace ?",[1761],{"type":206},{"type":173,"attrs":1763,"content":1765},{"textAlign":26,"key":1764},"p-98",[1766],{"text":1767,"type":179},"Commencez par cartographier les profils de dépenses. Identifiez les collaborateurs qui ont besoin d’une carte, les catégories concernées, les montants moyens et les situations exceptionnelles.",{"type":173,"attrs":1769,"content":1771},{"textAlign":26,"key":1770},"p-99",[1772],{"text":1773,"type":179},"Paramétrez ensuite les plafonds par utilisateur et par catégorie. Prévoyez des limites temporaires pour les événements ponctuels, plutôt que des plafonds permanents élevés.",{"type":173,"attrs":1775,"content":1777},{"textAlign":26,"key":1776},"p-100",[1778,1780,1784],{"text":1779,"type":179},"Formalisez les règles dans une politique de dépenses. Elle doit préciser ",{"text":1781,"type":179,"marks":1782},"les catégories autorisées, les justificatifs attendus, les règles de validation et la conduite à tenir en cas de perte ou de fraude",[1783],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1786,"content":1788},{"textAlign":26,"key":1787},"p-101",[1789],{"text":1790,"type":179},"Enfin, organisez une revue trimestrielle. 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ce que vous lisez ?",[3357],{"cta":3358,"_uid":3373,"image":3374,"title":3376,"subtitle":3390,"component":3326},[3359],{"tag":52,"_uid":3360,"hide":29,"icon":3361,"link":3363,"type":52,"label":3371,"style":160,"component":161,"mobileLabel":52,"onClickEvent":3372,"openInANewTab":29,"horizontalFill":29},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":154,"meta_data":3362},{},{"id":3364,"url":52,"linktype":2022,"fieldtype":159,"cached_url":3365,"prep":42,"story":3366},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/fr/platform-tour",{"name":3367,"id":3368,"uuid":3364,"slug":3369,"url":3369,"full_slug":3370,"_stopResolving":42},"Platform tour",413550505,"platform-tour","fr/platform-tour","Voir la démo gratuite","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"filename":26,"copyright":26,"fieldtype":154,"meta_data":3375,"is_external_url":29},{},{"type":170,"content":3377},[3378],{"type":173,"attrs":3379,"content":3380},{"textAlign":26,"key":175},[3381],{"text":3382,"type":179,"marks":3383},"Curieux de découvrir Spendesk ?",[3384,3387],{"type":1806,"attrs":3385},{"color":3386},"#000000",{"type":3322,"attrs":3388},{"class":3389},"patron-heading-2 accentuation-01","Essayez la plateforme avec une démo interactive pour voir la gestion des dépenses et approbations de bout en bout.","Plus d'articles",{"id":2255,"url":52,"linktype":2022,"fieldtype":159,"cached_url":2256,"prep":42,"story":3393},{"name":2258,"id":2259,"uuid":2255,"slug":2260,"url":2261,"full_slug":2262,"_stopResolving":42},"Nous publions de nouveaux articles comme celui-ci chaque semaine. Abonnez-vous à notre newsletter pour rester informé.",[3396,3397],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[3399],{"cta":3400,"_uid":3401,"items":3402,"heading":3520,"reverse":29,"component":1977,"sectionSettings":3541},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[3403,3461],{"_uid":3404,"title":3405,"component":1866,"description":3406},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?",{"type":170,"content":3407},[3408,3412],{"type":173,"content":3409},[3410],{"text":3411,"type":179},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":3413,"attrs":3414,"content":3416},"ordered_list",{"order":3415},{"order":364},[3417,3428,3439],{"type":572,"content":3418},[3419],{"type":173,"content":3420},[3421,3425,3427],{"text":3422,"type":179,"marks":3423},"Les dépenses stratégiques",[3424],{"type":206},{"text":3426,"type":179}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. Elles peuvent être gérées au moyen de factures, virements électroniques et bons de commande.",{"type":1800},{"type":572,"content":3429},[3430],{"type":173,"content":3431},[3432,3436,3438],{"text":3433,"type":179,"marks":3434},"Les dépenses opérationnelles",[3435],{"type":206},{"text":3437,"type":179}," sont également centralisées, mais les dépenses sont effectuées par les gestionnaires et les employés dans leur vie professionnelle de façon quotidienne. Elles comprennent les achats par carte, abonnements, campagnes digitales, événements, commandes diverses pour le bureau ou encore les voyages d'affaires.",{"type":1800},{"type":572,"content":3440},[3441],{"type":173,"content":3442},[3443,3447,3449,3450,3451,3453,3454,3455,3457,3458,3459],{"text":3444,"type":179,"marks":3445},"Les autres frais",[3446],{"type":206},{"text":3448,"type":179},", contrairement aux dépenses stratégiques et opérationnelles, représentent un nombre important de petits achats qui peuvent être difficiles à suivre. Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":1800},{"type":1800},{"text":3452,"type":179},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. Elle tient compte de l'ensemble du processus d'achat : approbations d'achat, méthodes de paiement, traitement des factures, note de frais, réconciliation des justificatifs, catégorisation des dépenses, taux de TVA, etc. pour une bonne tenue de la comptabilité.",{"type":1800},{"type":1800},{"text":3456,"type":179},"Les outils de gestion des dépenses deviennent nécessaires lorsque le nombre d'employés augmente et que l'équipe finance a besoin d'une meilleure visibilité et d'un meilleur contrôle de la trésorerie. Les employés ont besoin d'outils flexibles et intuitifs pour pouvoir dépenser facilement et être en mesure de faire leur travail.",{"type":1800},{"type":1800},{"text":3460,"type":179},"C'est à ce moment-là que Spendesk devient le bon choix.",{"_uid":3462,"title":3463,"component":1866,"description":3464},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Comment fonctionne Spendesk ?",{"type":170,"content":3465},[3466,3470,3474,3483,3487,3491,3500,3504,3508,3512,3516],{"type":173,"content":3467},[3468],{"text":3469,"type":179},"Spendesk fournit des moyens de paiement connectés à une plateforme puissante de gestion des dépenses conçue pour les équipes financières.",{"type":173,"content":3471},[3472],{"text":3473,"type":179},"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":173,"content":3475},[3476,3480,3481],{"text":3477,"type":179,"marks":3478},"Pour les employés",[3479],{"type":206},{"type":1800},{"text":3482,"type":179},"Les employés n'ont plus besoin d'avancer de l'argent. Ils demandent simplement des fonds pour un achat particulier et peuvent utiliser leur carte Spendesk physique ou virtuelle pour effectuer le paiement.",{"type":173,"content":3484},[3485],{"text":3486,"type":179},"Si, pour quelque raison que ce soit, l'employé ne peut pas utiliser sa carte Spendesk, il prend une photo du justificatif via l'application mobile et crée une note de frais en temps réel.",{"type":173,"content":3488},[3489],{"text":3490,"type":179},"Elle est envoyée directement à son responsable pour validation, puis à l'équipe financière.",{"type":173,"content":3492},[3493,3497,3498],{"text":3494,"type":179,"marks":3495},"Pour les équipes financières",[3496],{"type":206},{"type":1800},{"text":3499,"type":179},"Chaque employé a son propre profil sur Spendesk et son propre budget. Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":173,"content":3501},[3502],{"text":3503,"type":179},"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":173,"content":3505},[3506],{"text":3507,"type":179},"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":173,"content":3509},[3510],{"text":3511,"type":179},"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":173,"content":3513},[3514],{"text":3515,"type":179},"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":173,"content":3517},[3518],{"text":3519,"type":179},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la rendant complète, intuitive et efficace.",[3521],{"cta":3522,"_uid":3523,"title":3524,"eyebrow":3531,"subtitle":3534,"component":243,"textAlign":52,"sectionSettings":3540,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":170,"content":3525},[3526],{"type":243,"attrs":3527,"content":3528},{"level":245},[3529],{"text":3530,"type":179},"Démarrer avec Spendesk",{"type":170,"content":3532},[3533],{"type":173},{"type":170,"content":3535},[3536],{"type":173,"content":3537},[3538],{"text":3539,"type":179},"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",[3544,3753,3897,4048,4197,4337,4512,4679,4864,5051,5217,5392,5561,5773,5964],{"name":3545,"created_at":3546,"published_at":3547,"updated_at":3548,"id":3549,"uuid":3550,"content":3551,"slug":3741,"full_slug":3742,"sort_by_date":26,"position":3743,"tag_list":3744,"is_startpage":29,"parent_id":1983,"meta_data":26,"group_id":3745,"first_published_at":3746,"release_id":26,"lang":33,"path":26,"alternates":3747,"default_full_slug":3748,"translated_slugs":3749},"Dépenses SaaS : quatre constats sur ce que paient (et gaspillent) les entreprises 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00:00",[3589],{"_uid":3590,"link":3591,"asset":3592,"caption":52,"component":316},"7b5d4e87-ee46-4fff-ba30-9decfe28d691",{"id":52,"url":52,"linktype":2022,"fieldtype":159,"cached_url":3033,"prep":42},{"id":3593,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3594,"copyright":52,"fieldtype":154,"meta_data":3595,"is_external_url":29},226349936372642,"https://a.storyblok.com/f/146026/2220x1461/089523cf50/blog-fr.png",{},"Les entreprises européennes pourraient surpayer leurs logiciels SaaS de 7 Md€ par an, tandis que leurs factures IA varient désormais de 61 % d’un mois à l’autre. Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[3598],{"cta":3599,"_uid":3606,"image":3607,"title":3612,"subtitle":52,"component":3326,"imageFullWidth":42},[3600],{"tag":52,"_uid":3601,"hide":29,"icon":3602,"link":3604,"type":52,"label":52,"style":160,"component":161,"mobileLabel":52,"onClickEvent":52,"openInANewTab":42,"horizontalFill":29},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":26,"alt":26,"name":52,"focus":26,"title":26,"source":26,"filename":52,"copyright":26,"fieldtype":154,"meta_data":3603},{},{"id":2614,"url":52,"linktype":2022,"fieldtype":159,"cached_url":2615,"prep":42,"story":3605},{"name":2617,"id":2618,"uuid":2614,"slug":2619,"url":2620,"full_slug":2621,"_stopResolving":42},"8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":3608,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":3609,"copyright":52,"fieldtype":154,"meta_data":3610,"is_external_url":29},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":3611},"1700x465",{"type":170,"content":3613},[3614],{"type":173},[3616],{"cta":3617,"_uid":3618,"items":3619,"heading":3716,"reverse":29,"component":1977,"sectionSettings":3740},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[3620,3633,3644,3657,3670,3681,3694,3705],{"_uid":3621,"hide":29,"title":3622,"component":1866,"description":3623},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?",{"type":170,"attrs":3624,"content":3625},{"backgroundColor":26},[3626,3631],{"type":173,"attrs":3627,"content":3628},{"textAlign":26},[3629],{"text":3630,"type":179},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":243,"attrs":3632},{"level":343,"textAlign":26},{"_uid":3634,"hide":29,"title":3635,"component":1866,"description":3636},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":170,"attrs":3637,"content":3638},{"backgroundColor":26},[3639],{"type":173,"attrs":3640,"content":3641},{"textAlign":26},[3642],{"text":3643,"type":179},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":3645,"hide":29,"title":3646,"component":1866,"description":3647},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":170,"attrs":3648,"content":3649},{"backgroundColor":26},[3650,3655],{"type":173,"attrs":3651,"content":3652},{"textAlign":26},[3653],{"text":3654,"type":179},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":243,"attrs":3656},{"level":343,"textAlign":26},{"_uid":3658,"hide":29,"title":3659,"component":1866,"description":3660},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":170,"attrs":3661,"content":3662},{"backgroundColor":26},[3663,3668],{"type":173,"attrs":3664,"content":3665},{"textAlign":26},[3666],{"text":3667,"type":179},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":243,"attrs":3669},{"level":343,"textAlign":26},{"_uid":3671,"hide":29,"title":3672,"component":1866,"description":3673},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":170,"attrs":3674,"content":3675},{"backgroundColor":26},[3676],{"type":173,"attrs":3677,"content":3678},{"textAlign":26},[3679],{"text":3680,"type":179},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":3682,"hide":29,"title":3683,"component":1866,"description":3684},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":170,"attrs":3685,"content":3686},{"backgroundColor":26},[3687,3692],{"type":173,"attrs":3688,"content":3689},{"textAlign":26},[3690],{"text":3691,"type":179},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. Elles sont donc beaucoup plus difficiles à gérer avec un budget fixe traditionnel.",{"type":243,"attrs":3693},{"level":343,"textAlign":26},{"_uid":3695,"hide":29,"title":3696,"component":1866,"description":3697},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":170,"attrs":3698,"content":3699},{"backgroundColor":26},[3700],{"type":173,"attrs":3701,"content":3702},{"textAlign":26},[3703],{"text":3704,"type":179},"Les dépenses IA doivent être gérées à l’aide d’une visibilité sur l’utilisation, de limites de dépense et d’alertes en temps réel, plutôt qu’avec une simple ligne budgétaire fixe. Ces contrôles permettent aux équipes Finance d’identifier rapidement une consommation inhabituelle de tokens ou une activité automatisée anormale, avant qu’un mois particulièrement coûteux n’arrive jusqu’à la clôture. Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":3706,"hide":29,"title":3707,"component":1866,"description":3708},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":170,"attrs":3709,"content":3710},{"backgroundColor":26},[3711],{"type":173,"attrs":3712,"content":3713},{"textAlign":26},[3714],{"text":3715,"type":179},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. 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Elle transforme une politique de dépenses générale en ",{"text":4117,"type":179,"marks":4118},"règles concrètes",[4119],{"type":206},{"text":4121,"type":179},", applicables au quotidien.",{"_uid":4123,"hide":29,"title":4124,"component":1866,"description":4125},"b85b28cf-7fbb-4f91-b192-1a57f30a63ca","Combien de niveaux d’approbation faut-il prévoir ?",{"type":170,"attrs":4126,"content":4127},{"backgroundColor":26},[4128],{"type":173,"attrs":4129,"content":4130},{"textAlign":26},[4131],{"text":4132,"type":179},"Trois ou quatre niveaux couvrent la plupart des organisations : validation simple, manager, Finance, puis direction. Au-delà, le circuit risque de ralentir les dépenses sans améliorer significativement le contrôle.",{"_uid":4134,"hide":29,"title":4135,"component":1866,"description":4136},"2d923714-e38f-4afb-8fbc-fa6eee48593d","Comment fixer un seuil d’approbation ?",{"type":170,"attrs":4137,"content":4138},{"backgroundColor":26},[4139],{"type":173,"attrs":4140,"content":4141},{"textAlign":26},[4142,4144,4148],{"text":4143,"type":179},"Croisez trois critères : ",{"text":4145,"type":179,"marks":4146},"le montant",[4147],{"type":206},{"text":4149,"type":179},", la catégorie de dépense et le niveau de risque. Une dépense récurrente, un nouveau fournisseur ou un engagement pluriannuel peuvent nécessiter une validation renforcée, même si le montant reste inférieur au seuil habituel.",{"_uid":4151,"hide":29,"title":4152,"component":1866,"description":4153},"e49e5ad1-ed3b-41f6-a8c3-00defdedd780","Comment éviter que les validations ralentissent l’entreprise ?",{"type":170,"attrs":4154,"content":4155},{"backgroundColor":26},[4156],{"type":173,"attrs":4157,"content":4158},{"textAlign":26},[4159],{"text":4160,"type":179},"Prévoyez une validation simple pour les petits montants, un approbateur de remplacement et un délai maximal de traitement. Les workflows automatiques peuvent également relancer les personnes concernées et faire remonter les demandes restées sans réponse.",[4162],{"cta":4163,"_uid":4164,"title":4165,"eyebrow":4173,"subtitle":4180,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4183,"sectionSettings":4184,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"fc2c2641-19cc-4660-8e86-a2d23c6c19e5",{"type":170,"attrs":4166,"content":4167},{"backgroundColor":26},[4168],{"type":243,"attrs":4169,"content":4170},{"level":245,"textAlign":26},[4171],{"text":4172,"type":179},"Questions fréquentes sur la matrice d'approbation des 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La saisie consiste ensuite à enregistrer ces informations dans le logiciel comptable.",{"_uid":4266,"hide":29,"title":4267,"component":1866,"description":4268},"c0283b62-da9b-4ace-af44-40de8b071bf3","Quel compte utiliser pour une facture fournisseur ?",{"type":170,"attrs":4269,"content":4270},{"backgroundColor":26},[4271],{"type":173,"attrs":4272,"content":4273},{"textAlign":26},[4274],{"text":4275,"type":179},"Le compte dépend de la nature de la dépense. Une facture d’énergie peut relever du compte 6061, une prestation de conseil d’un compte d’honoraires, et une acquisition durable d’un compte d’immobilisation. 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Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":173,"attrs":4423,"content":4424},{"textAlign":26},[4425,4427,4431],{"text":4426,"type":179},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":4428,"type":179,"marks":4429},"les quantités réellement reçues",[4430],{"type":206},{"text":208,"type":179},{"_uid":4433,"hide":29,"title":4434,"component":1866,"description":4435},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":170,"attrs":4436,"content":4437},{"backgroundColor":26},[4438,4443],{"type":173,"attrs":4439,"content":4440},{"textAlign":26},[4441],{"text":4442,"type":179},"Il permet notamment de repérer les écarts de prix et de quantité, les articles non commandés, les livraisons partielles facturées en totalité, les frais supplémentaires et les doublons.",{"type":173,"attrs":4444,"content":4445},{"textAlign":26},[4446,4448,4452],{"text":4447,"type":179},"Chaque écart doit ensuite être analysé selon ",{"text":4449,"type":179,"marks":4450},"les seuils et les règles définis par l’entreprise",[4451],{"type":206},{"text":208,"type":179},{"_uid":4454,"hide":29,"title":4455,"component":1866,"description":4456},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":170,"attrs":4457,"content":4458},{"backgroundColor":26},[4459,4464],{"type":173,"attrs":4460,"content":4461},{"textAlign":26},[4462],{"text":4463,"type":179},"Non, le three-way matching n’est pas une obligation légale générale. Il s’agit d’une bonne pratique de contrôle interne qui aide à sécuriser les achats et les paiements.",{"type":173,"attrs":4465,"content":4466},{"textAlign":26},[4467,4469,4473],{"text":4468,"type":179},"La facturation électronique facilite son automatisation, mais ",{"text":4470,"type":179,"marks":4471},"le niveau de rapprochement doit rester adapté à la nature de chaque dépense",[4472],{"type":206},{"text":208,"type":179},[4475],{"cta":4476,"_uid":4477,"title":4478,"eyebrow":4488,"subtitle":4495,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4498,"sectionSettings":4499,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"f5b9e653-4d2a-42ac-8dd2-65a8fbeba5ff",{"type":170,"attrs":4479,"content":4480},{"backgroundColor":26},[4481],{"type":243,"attrs":4482,"content":4483},{"level":245,"textAlign":26},[4484],{"text":4485,"type":179,"marks":4486},"Questions fréquentes sur le rapprochement à trois 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paiements partiels fournisseurs 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comptabiliser les factures d'acompte, avoirs et paie","11",[],"Acompte, avoir, avoir à établir et paiement partiel fournisseur : écritures comptables exactes, TVA déductible et impact sur la clôture, pas à pas.",[],[4568],{"_uid":4569,"items":4570,"heading":4645,"component":1977},"15a00a6e-f2c1-45b9-acf0-11f75c1716f3",[4571,4581,4591,4601,4611],{"_uid":4572,"title":4573,"component":1866,"description":4574},"b7921827-344e-4e69-bd68-82922156feae","Combien de temps faut-il conserver une facture d'avoir ?",{"type":170,"content":4575},[4576],{"type":173,"attrs":4577,"content":4578},{"textAlign":26},[4579],{"text":4580,"type":179},"6 ans au titre du délai fiscal de reprise, et 10 ans pour les pièces comptables des sociétés commerciales. En pratique, alignez la conservation de l'avoir sur celle de la facture qu'il corrige.",{"_uid":4582,"title":4583,"component":1866,"description":4584},"a77d9fc2-b790-4411-8b1b-4fbc74d5a5b0","Faut-il enregistrer la facture d'acompte elle-même ou seulement le paiement ?",{"type":170,"content":4585},[4586],{"type":173,"attrs":4587,"content":4588},{"textAlign":26},[4589],{"text":4590,"type":179},"C'est le règlement de l'acompte qui déclenche l'écriture au 4091 et au 44566. La facture d'acompte, elle, sert de justificatif indispensable pour déduire la TVA de manière anticipée.",{"_uid":4592,"title":4593,"component":1866,"description":4594},"6c69d821-04e6-41b3-bfd1-d78288b6be4a","Quelle différence entre un avoir et un remboursement ?",{"type":170,"content":4595},[4596],{"type":173,"attrs":4597,"content":4598},{"textAlign":26},[4599],{"text":4600,"type":179},"L'avoir vient en déduction d'une facture à venir du même fournisseur, sans mouvement de trésorerie immédiat. Le remboursement, lui, est un flux financier réel, comptabilisé via le 512 en solde du compte fournisseur concerné.",{"_uid":4602,"title":4603,"component":1866,"description":4604},"c8bf55a8-a821-4703-871e-16039e5ebaef","La TVA d'un acompte est-elle déductible immédiatement ?",{"type":170,"content":4605},[4606],{"type":173,"attrs":4607,"content":4608},{"textAlign":26},[4609],{"text":4610,"type":179},"Oui, depuis le 1er janvier 2023, dès l'encaissement de l'acompte par le fournisseur, biens et services confondus. La seule condition est de détenir une facture d'acompte mentionnant explicitement la TVA.",{"_uid":4612,"title":4613,"component":1866,"description":4614},"ab4f9bc8-211d-4b44-aba3-d0c97857391e","Que se passe-t-il si l'acompte versé dépasse le montant de la facture définitive ?",{"type":170,"content":4615},[4616],{"type":173,"attrs":4617,"content":4618},{"textAlign":26},[4619,4621,4627,4629,4635,4637,4643],{"text":4620,"type":179},"Après imputation du compte 4091 sur le compte 401, le compte fournisseur présente un ",{"text":4622,"type":179,"marks":4623},"solde débiteur",[4624],{"type":301,"attrs":4625},{"href":4626,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.controledegestion.org/comptabilite/compte-409/",{"text":4628,"type":179}," : le fournisseur devient débiteur à hauteur du trop-versé. Par exemple, un acompte de 360 € versé pour une facture définitive de 300 € laisse 60 € de trop-versé en créance au compte 401. Vous récupérez cette somme soit en ",{"text":4630,"type":179,"marks":4631},"demandant un remboursement au fournisseur",[4632],{"type":301,"attrs":4633},{"href":4634,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.keobiz.fr/le-mag/comptabilite-compte-fournisseur/",{"text":4636,"type":179},", soit en l'imputant sur une prochaine commande. Pensez également à ",{"text":4638,"type":179,"marks":4639},"régulariser la TVA déjà déduite",[4640],{"type":301,"attrs":4641},{"href":4642,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.impots.gouv.fr/professionnel/questions/comment-traiter-une-facture-davoir-sur-ma-declaration-de-tva",{"text":4644,"type":179}," sur la part excédentaire de l'acompte, puisqu'aucune charge ne vient plus la justifier.",[4646],{"cta":4647,"_uid":4648,"title":4649,"eyebrow":4656,"subtitle":4661,"component":243,"textAlign":52,"flexibleSection":4666,"sectionSettings":4667,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"69f33381-76a9-4105-88fa-d36edee4d267",{"type":170,"content":4650},[4651],{"type":243,"attrs":4652,"content":4653},{"level":245,"textAlign":26},[4654],{"text":4655,"type":179},"Questions 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d’acompte fournisseur, comment la calculer et la rapprocher avec la facture de solde 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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",[],[4727],{"cta":4728,"_uid":4729,"items":4730,"heading":4825,"reverse":29,"component":1977,"sectionSettings":4851},[],"14e773e4-85a2-422c-acbc-8f11dcdf65a2",[4731,4752,4779,4803],{"_uid":4732,"hide":29,"title":4733,"component":1866,"description":4734},"1685b4c9-e3d0-4743-9cec-6f2a0263ae82","La facture d’acompte est-elle obligatoire ?",{"type":170,"attrs":4735,"content":4736},{"backgroundColor":26},[4737,4742],{"type":173,"attrs":4738,"content":4739},{"textAlign":26},[4740],{"text":4741,"type":179},"Oui. Le fournisseur doit émettre une facture lorsqu’il encaisse un acompte, conformément à l’article 289 du Code général des impôts.",{"type":173,"attrs":4743,"content":4744},{"textAlign":26},[4745,4747,4751],{"text":4746,"type":179},"La facture doit comporter les mentions obligatoires, préciser qu’il s’agit d’un acompte et disposer ",{"text":4748,"type":179,"marks":4749},"d’un numéro appartenant à la série continue de facturation",[4750],{"type":206},{"text":208,"type":179},{"_uid":4753,"hide":29,"title":4754,"component":1866,"description":4755},"e5c6a6d0-b87e-4842-a0ff-ae7513621fb9","La TVA est-elle due dès l’encaissement de l’acompte ?",{"type":170,"attrs":4756,"content":4757},{"backgroundColor":26},[4758,4763,4768],{"type":173,"attrs":4759,"content":4760},{"textAlign":26},[4761],{"text":4762,"type":179},"Oui, selon la nature de l’opération.",{"type":173,"attrs":4764,"content":4765},{"textAlign":26},[4766],{"text":4767,"type":179},"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":173,"attrs":4769,"content":4770},{"textAlign":26},[4771,4773,4777],{"text":4772,"type":179},"La TVA facturée sur l’acompte doit être déduite ",{"text":4774,"type":179,"marks":4775},"une seule fois",[4776],{"type":206},{"text":4778,"type":179},", puis soustraite du montant restant à récupérer sur la facture de solde.",{"_uid":4780,"hide":29,"title":4781,"component":1866,"description":4782},"ec8e23bc-5d17-4821-a1a0-77c2be8d9ccc","Un acompte est-il remboursable ?",{"type":170,"attrs":4783,"content":4784},{"backgroundColor":26},[4785,4790],{"type":173,"attrs":4786,"content":4787},{"textAlign":26},[4788],{"text":4789,"type":179},"En principe, l’acompte engage fermement les deux parties et n’est pas remboursable du seul fait d’un désistement.",{"type":173,"attrs":4791,"content":4792},{"textAlign":26},[4793,4795,4802],{"text":4794,"type":179},"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":4796,"type":179,"marks":4797},"l’article 1590 du Code civil",[4798,4801],{"type":301,"attrs":4799},{"href":4800,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.service-public.gouv.fr/particuliers/vosdroits/F31187",{"type":206},{"text":208,"type":179},{"_uid":4804,"hide":29,"title":4805,"component":1866,"description":4806},"7247af96-de8d-41d1-8544-0e3e3671eaad","Quelle différence entre une facture d’acompte et une facture de situation ?",{"type":170,"attrs":4807,"content":4808},{"backgroundColor":26},[4809,4814],{"type":173,"attrs":4810,"content":4811},{"textAlign":26},[4812],{"text":4813,"type":179},"La facture d’acompte correspond à un paiement anticipé prévu avant la livraison ou le début de la prestation.",{"type":173,"attrs":4815,"content":4816},{"textAlign":26},[4817,4819,4823],{"text":4818,"type":179},"La facture de situation correspond à ",{"text":4820,"type":179,"marks":4821},"l’avancement réel d’une prestation ou de travaux",[4822],{"type":206},{"text":4824,"type":179},". Elle est fréquente dans le BTP et se calcule selon les travaux effectivement réalisés.",[4826],{"cta":4827,"_uid":4828,"title":4829,"eyebrow":4839,"subtitle":4846,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4849,"sectionSettings":4850,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"5a398c79-9777-49d5-be6c-5e7af530bb9f",{"type":170,"attrs":4830,"content":4831},{"backgroundColor":26},[4832],{"type":243,"attrs":4833,"content":4834},{"level":245,"textAlign":26},[4835],{"text":4836,"type":179,"marks":4837},"Questions fréquentes sur les factures d’acompte 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Elle est utilisable dans un réseau de stations partenaires et fonctionne généralement avec ",{"text":5649,"type":179,"marks":5650},"un plafond par conducteur",[5651],{"type":206},{"text":208,"type":179},{"type":173,"attrs":5654,"content":5655},{"textAlign":26},[5656],{"text":5657,"type":179},"Les transactions sont regroupées sur une facture mensuelle unique, ce qui facilite le suivi de la consommation et des dépenses par véhicule.",{"_uid":5659,"hide":29,"title":5660,"component":1866,"description":5661},"91f85fc3-d096-43e9-8fc9-09562af15234","La carte carburant est-elle un avantage en nature imposable ?",{"type":170,"attrs":5662,"content":5663},{"backgroundColor":26},[5664,5677],{"type":173,"attrs":5665,"content":5666},{"textAlign":26},[5667,5669,5676],{"text":5668,"type":179},"Lorsqu’elle est utilisée strictement à des fins professionnelles et que les dépenses sont justifiées, une carte carburant ne constitue pas un ",{"text":5670,"type":179,"marks":5671},"avantage en nature",[5672,5675],{"type":301,"attrs":5673},{"href":5674,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.compta-online.com/avantage-en-nature-vehicule-comment-le-calculer-ao1003",{"type":206},{"text":208,"type":179},{"type":173,"attrs":5678,"content":5679},{"textAlign":26},[5680,5682,5686],{"text":5681,"type":179},"En revanche, un usage personnel non justifié peut être requalifié par l’URSSAF. 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Elle offre davantage de souplesse, mais demande ",{"text":5705,"type":179,"marks":5706},"un suivi régulier des dépenses engagées",[5707],{"type":206},{"text":208,"type":179},{"type":173,"attrs":5710,"content":5711},{"textAlign":26},[5712],{"text":5713,"type":179},"Le choix dépend donc du niveau de contrôle souhaité et du fonctionnement de votre trésorerie.",{"_uid":5715,"hide":29,"title":5716,"component":1866,"description":5717},"a45eec69-1918-4f34-a61c-7188db47e89a","Comment choisir une carte carburant pour son entreprise ?",{"type":170,"attrs":5718,"content":5719},{"backgroundColor":26},[5720,5725],{"type":173,"attrs":5721,"content":5722},{"textAlign":26},[5723],{"text":5724,"type":179},"Commencez par analyser votre volume de carburant, le nombre de conducteurs et les stations fréquentées. Comparez ensuite le réseau d’acceptation, les remises, les plafonds, les services inclus et les modalités de facturation.",{"type":173,"attrs":5726,"content":5727},{"textAlign":26},[5728,5730,5734],{"text":5729,"type":179},"Si vos salariés règlent aussi des repas, des péages, des hôtels ou des achats professionnels, vérifiez si ",{"text":5731,"type":179,"marks":5732},"une carte multi-usages ne couvrirait pas mieux l’ensemble de vos 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compte 765. Côté fournisseur, l’escompte accordé est enregistré au compte 665.",{"_uid":5839,"hide":29,"title":5840,"component":1866,"description":5841},"6a1d0eff-7110-4789-9cc8-21aa91efb14e","Quelle est la différence entre un escompte, un acompte et un avoir ?",{"type":170,"attrs":5842,"content":5843},{"backgroundColor":26},[5844,5849],{"type":173,"attrs":5845,"content":5846},{"textAlign":26},[5847],{"text":5848,"type":179},"Ces trois notions correspondent à des opérations différentes :",{"type":569,"content":5850},[5851,5862,5873],{"type":572,"content":5852},[5853],{"type":173,"attrs":5854,"content":5855},{"textAlign":26},[5856,5860],{"text":5857,"type":179,"marks":5858},"l’escompte",[5859],{"type":206},{"text":5861,"type":179}," est une réduction obtenue en contrepartie d’un paiement anticipé ;",{"type":572,"content":5863},[5864],{"type":173,"attrs":5865,"content":5866},{"textAlign":26},[5867,5871],{"text":5868,"type":179,"marks":5869},"l’acompte",[5870],{"type":206},{"text":5872,"type":179}," est un paiement partiel effectué avant le règlement définitif ;",{"type":572,"content":5874},[5875],{"type":173,"attrs":5876,"content":5877},{"textAlign":26},[5878,5882],{"text":5879,"type":179,"marks":5880},"l’avoir",[5881],{"type":206},{"text":5883,"type":179}," est un document qui corrige ou annule tout ou partie d’une facture.",{"_uid":5885,"hide":29,"title":5886,"component":1866,"description":5887},"d69ead18-fdde-487d-8659-3eefda688d19","Quelle différence entre escompte de règlement et escompte bancaire ?",{"type":170,"attrs":5888,"content":5889},{"backgroundColor":26},[5890,5895],{"type":173,"attrs":5891,"content":5892},{"textAlign":26},[5893],{"text":5894,"type":179},"L’escompte de règlement est une réduction accordée sur une facture lorsque celle-ci est payée plus tôt. Il réduit la base de TVA conformément à l’article 267 du CGI.",{"type":173,"attrs":5896,"content":5897},{"textAlign":26},[5898,5900],{"text":5899,"type":179},"L’escompte bancaire est une opération de financement reposant sur la remise d’un effet de commerce à une banque. ",{"text":5901,"type":179,"marks":5902},"Il n’a pas d’impact sur la base de TVA de la facture.",[5903],{"type":206},{"_uid":5905,"hide":29,"title":5906,"component":1866,"description":5907},"1f557ea8-36ad-4224-93a1-d4120c6e2d18","L’escompte est-il obligatoire ?",{"type":170,"attrs":5908,"content":5909},{"backgroundColor":26},[5910,5915],{"type":173,"attrs":5911,"content":5912},{"textAlign":26},[5913],{"text":5914,"type":179},"Non. Les conditions d’escompte sont librement fixées entre les parties.",{"type":173,"attrs":5916,"content":5917},{"textAlign":26},[5918,5920,5924],{"text":5919,"type":179},"Les taux proposés se situent souvent entre 1 % et 3 %. Lorsqu’un escompte figure sur la facture et que les conditions sont remplies, ",{"text":5921,"type":179,"marks":5922},"il doit toutefois être correctement pris en compte dans la comptabilité",[5923],{"type":206},{"text":208,"type":179},[5926],{"cta":5927,"_uid":5928,"title":5929,"eyebrow":5939,"subtitle":5946,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":5949,"sectionSettings":5950,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"d1b00c7a-171a-4460-959f-9fcb4cc3a47d",{"type":170,"attrs":5930,"content":5931},{"backgroundColor":26},[5932],{"type":243,"attrs":5933,"content":5934},{"level":245,"textAlign":26},[5935],{"text":5936,"type":179,"marks":5937},"Questions fréquentes sur l’escompte de règlement",[5938],{"type":206},{"type":170,"attrs":5940,"content":5941},{"backgroundColor":26},[5942],{"type":173,"attrs":5943,"content":5944},{"textAlign":26},[5945],{"text":1971,"type":179},{"type":170,"content":5947},[5948],{"type":173},[],[],[],"escompte-de-reglement","fr/blog/escompte-de-reglement",-3120,[],"c1cae631-9ce1-47fd-9ff7-9ee3731a5475","2026-08-29T09:54:05.989Z",[],"blog/escompte-de-reglement",[5961,5962,5963],{"path":5959,"name":26,"lang":33,"published":26},{"path":5959,"name":26,"lang":39,"published":26},{"path":5959,"name":26,"lang":41,"published":26},{"name":5965,"created_at":5966,"published_at":5967,"updated_at":5968,"id":5969,"uuid":5970,"content":5971,"slug":6164,"full_slug":6165,"sort_by_date":26,"position":6166,"tag_list":6167,"is_startpage":29,"parent_id":1983,"meta_data":26,"group_id":6168,"first_published_at":5967,"release_id":26,"lang":33,"path":26,"alternates":6169,"default_full_slug":6170,"translated_slugs":6171},"TVA sur les notes de frais des salariés, quels frais sont récupérables ?","2026-08-29T07:33:50.043Z","2026-08-29T07:52:31.215Z","2026-08-29T07:52:31.254Z",214217646291961,"7d8e790a-6b90-4b69-8bcc-dab95e20a79b",{"_uid":5972,"title":5965,"topics":5973,"noIndex":29,"category":6004,"language":6013,"component":1833,"heroMedia":6014,"publishedAt":5428,"redirectUrl":52,"listingImage":6019,"metaDescription":6020,"bottomArticleCta":6021,"componentsAfterTheArticle":6022},"0aa1df78-edf1-4930-8c6c-b2a0e894efe8",[5974,5996],{"name":5975,"created_at":5976,"published_at":5977,"updated_at":5978,"id":5979,"uuid":5980,"content":5981,"slug":5984,"full_slug":5985,"sort_by_date":26,"position":5986,"tag_list":5987,"is_startpage":29,"parent_id":3567,"meta_data":26,"group_id":5988,"first_published_at":5989,"release_id":26,"lang":33,"path":26,"alternates":5990,"default_full_slug":5991,"translated_slugs":5992,"_stopResolving":42},"Business travel spend","2022-10-19T17:57:52.426Z","2026-09-29T09:14:04.646Z","2026-09-29T09:14:04.666Z",206171412,"f02d590f-28a6-4bed-9af7-ba56618838d4",{"_uid":5982,"name":5983,"component":23},"f4f9204a-f68c-4130-90e6-fe871d851d46","Business travel","business-travel-spend","fr/blog/topic/business-travel-spend",-160,[],"7ee99d5b-b4ea-48cf-8744-9f4844a8319b","2022-11-02T15:24:52.136Z",[],"blog/topic/business-travel-spend",[5993,5994,5995],{"path":5991,"name":26,"lang":33,"published":26},{"path":5991,"name":26,"lang":39,"published":26},{"path":5991,"name":26,"lang":41,"published":26},{"name":2093,"created_at":5572,"published_at":5573,"updated_at":5574,"id":5575,"uuid":5576,"content":5997,"slug":5579,"full_slug":5580,"sort_by_date":26,"position":5581,"tag_list":5998,"is_startpage":29,"parent_id":3567,"meta_data":26,"group_id":5583,"first_published_at":5584,"release_id":26,"lang":33,"path":26,"alternates":5999,"default_full_slug":5586,"translated_slugs":6000,"_stopResolving":42},{"_uid":5578,"name":2093,"component":23},[],[],[6001,6002,6003],{"path":5586,"name":26,"lang":33,"published":26},{"path":5586,"name":26,"lang":39,"published":26},{"path":5586,"name":26,"lang":41,"published":26},{"name":1821,"created_at":1822,"published_at":16,"updated_at":1823,"id":1824,"uuid":1825,"content":6005,"slug":1833,"full_slug":1834,"sort_by_date":26,"position":27,"tag_list":6007,"is_startpage":29,"parent_id":1836,"meta_data":26,"group_id":1837,"first_published_at":1838,"release_id":26,"lang":33,"path":26,"alternates":6008,"default_full_slug":1840,"translated_slugs":6009,"_stopResolving":42},{"_uid":1827,"icon":6006,"name":1821,"component":1832},{"id":1829,"alt":1830,"name":52,"focus":52,"title":52,"filename":1831,"copyright":52,"fieldtype":154,"is_external_url":29},[],[],[6010,6011,6012],{"path":1840,"name":26,"lang":33,"published":26},{"path":1840,"name":26,"lang":39,"published":26},{"path":1840,"name":26,"lang":41,"published":26},[33],[6015],{"_uid":6016,"asset":6017,"caption":52,"component":316},"c7fe3fee-a188-4f91-a3ba-d805d43b61bf",{"id":4094,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":4095,"copyright":52,"fieldtype":154,"meta_data":6018,"is_external_url":29},{},[],"TVA récupérable sur les notes de frais, carburant, repas, hôtels et déplacements. Découvrez les règles, justificatifs et taux à appliquer.\n",[],[6023],{"cta":6024,"_uid":6025,"items":6026,"heading":6137,"reverse":29,"component":1977,"sectionSettings":6163},[],"e9d37a96-44fc-4d10-b523-ff248402d8b0",[6027,6053,6095,6116],{"_uid":6028,"hide":29,"title":6029,"component":1866,"description":6030},"02bf9357-f860-46bf-9da6-3719e593f237","Peut-on récupérer la TVA sur le carburant ?",{"type":170,"attrs":6031,"content":6032},{"backgroundColor":26},[6033,6043,6048],{"type":173,"attrs":6034,"content":6035},{"textAlign":26},[6036,6038,6042],{"text":6037,"type":179},"Oui, mais le taux dépend ",{"text":6039,"type":179,"marks":6040},"du carburant et du type de véhicule",[6041],{"type":206},{"text":208,"type":179},{"type":173,"attrs":6044,"content":6045},{"textAlign":26},[6046],{"text":6047,"type":179},"La récupération atteint généralement 80 % pour l’essence et le gazole utilisés avec un véhicule de tourisme, contre 100 % pour un véhicule utilitaire.",{"type":173,"attrs":6049,"content":6050},{"textAlign":26},[6051],{"text":6052,"type":179},"Le GPL liquéfié, le GNV et l’électricité ouvrent droit à une récupération de 100 % dans les deux cas. Le GPL à l’état gazeux reste plafonné à 50 % pour les véhicules de tourisme.",{"_uid":6054,"hide":29,"title":6055,"component":1866,"description":6056},"2fd750d5-70f9-4962-b8df-b74b08675515","Quels repas permettent de récupérer la TVA ?",{"type":170,"attrs":6057,"content":6058},{"backgroundColor":26},[6059,6064,6069,6085],{"type":173,"attrs":6060,"content":6061},{"textAlign":26},[6062],{"text":6063,"type":179},"Les repas professionnels peuvent ouvrir droit à récupération, à condition d’être justifiés et engagés dans l’intérêt de l’entreprise.",{"type":173,"attrs":6065,"content":6066},{"textAlign":26},[6067],{"text":6068,"type":179},"La TVA s’élève généralement à :",{"type":569,"content":6070},[6071,6078],{"type":572,"content":6072},[6073],{"type":173,"attrs":6074,"content":6075},{"textAlign":26},[6076],{"text":6077,"type":179},"10 % sur la nourriture ;",{"type":572,"content":6079},[6080],{"type":173,"attrs":6081,"content":6082},{"textAlign":26},[6083],{"text":6084,"type":179},"20 % sur les boissons alcoolisées.",{"type":173,"attrs":6086,"content":6087},{"textAlign":26},[6088,6090,6094],{"text":6089,"type":179},"Sous 150 € HT, un ticket détaillé peut suffire dans certains cas. Au-delà, ",{"text":6091,"type":179,"marks":6092},"une facture nominative et détaillée est nécessaire",[6093],{"type":206},{"text":208,"type":179},{"_uid":6096,"hide":29,"title":6097,"component":1866,"description":6098},"7ac67311-a57d-4e27-b697-657494958f30","La TVA sur les nuits d’hôtel est-elle récupérable ?",{"type":170,"attrs":6099,"content":6100},{"backgroundColor":26},[6101,6106],{"type":173,"attrs":6102,"content":6103},{"textAlign":26},[6104],{"text":6105,"type":179},"Non, la TVA sur l’hébergement des salariés et des dirigeants n’est généralement pas récupérable.",{"type":173,"attrs":6107,"content":6108},{"textAlign":26},[6109,6111,6115],{"text":6110,"type":179},"Elle peut en revanche être déduite lorsqu’il s’agit de l’hébergement d’un client ou d’un fournisseur invité. Le petit-déjeuner peut également ouvrir droit à récupération ",{"text":6112,"type":179,"marks":6113},"s’il apparaît sur une ligne distincte de la facture",[6114],{"type":206},{"text":208,"type":179},{"_uid":6117,"hide":29,"title":6118,"component":1866,"description":6119},"bc3c1a3b-4281-4d74-a3d3-33d2f363d54a","Récupère-t-on la TVA sur les indemnités kilométriques ?",{"type":170,"attrs":6120,"content":6121},{"backgroundColor":26},[6122,6127],{"type":173,"attrs":6123,"content":6124},{"textAlign":26},[6125],{"text":6126,"type":179},"Non. Les indemnités kilométriques sont versées sous forme de forfait et ne comportent donc pas de TVA récupérable.",{"type":173,"attrs":6128,"content":6129},{"textAlign":26},[6130,6132,6136],{"text":6131,"type":179},"En revanche, les péages et les parkings payés au réel peuvent rester déductibles lorsqu’ils sont liés à un déplacement professionnel et accompagnés ",{"text":6133,"type":179,"marks":6134},"d’un justificatif conforme",[6135],{"type":206},{"text":208,"type":179},[6138],{"cta":6139,"_uid":6140,"title":6141,"eyebrow":6151,"subtitle":6158,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":6161,"sectionSettings":6162,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"2090cd20-5870-4c33-823b-d20e17df5d0c",{"type":170,"attrs":6142,"content":6143},{"backgroundColor":26},[6144],{"type":243,"attrs":6145,"content":6146},{"level":245,"textAlign":26},[6147],{"text":6148,"type":179,"marks":6149},"Questions fréquentes sur la TVA récupérable des notes de frais",[6150],{"type":206},{"type":170,"attrs":6152,"content":6153},{"backgroundColor":26},[6154],{"type":173,"attrs":6155,"content":6156},{"textAlign":26},[6157],{"text":1971,"type":179},{"type":170,"content":6159},[6160],{"type":173},[],[],[],"tva-recuperable","fr/blog/tva-recuperable",-3110,[],"f6a8b1ef-2bfc-4c59-b5f1-dda90984ffcd",[],"blog/tva-recuperable",[6172,6173,6174],{"path":6170,"name":26,"lang":33,"published":26},{"path":6170,"name":26,"lang":39,"published":26},{"path":6170,"name":26,"lang":41,"published":26},[6176,6177,6178,6179],["Reactive",5561],["Reactive",3544],["Reactive",5773],["Reactive",5392],["Island",6181],{"key":6182,"result":6183},"MarkdownRenderer_ZlppJlH2D5KI0PGGvnWD2D1ati4knGdkb30ktkRNZw",{"head":6184},{"link":6185,"style":6186},[],[],1791110956490]