[{"data":1,"prerenderedAt":5239},["ShallowReactive",2],{"fr-blog/carte-bancaire-prepayee":3,"fr-global-content":1034,"fr-article-global-content":2413,"fr-blog-article-more-articles-10ebb00d-65f3-42f6-997a-5aaf2acb94de":2664,"fr-blog-article-more-articles-208802937":5220,"MarkdownRenderer_Gx8bkdWlovFJBLHwA8EBJUGv4ua5kmDZsvLypevak0":5225,"MarkdownRenderer_oVQrwlmEyZI7WJuIvXbWqIawXR1Us2BaI0SOvKtg8o":5232},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1021,"full_slug":1022,"sort_by_date":60,"position":1023,"tag_list":1024,"is_startpage":30,"parent_id":1025,"meta_data":60,"group_id":1026,"first_published_at":1027,"release_id":60,"lang":66,"path":60,"alternates":1028,"default_full_slug":1029,"translated_slugs":1030},"Guide complet pour choisir la carte bancaire prépayée idéale pour son entreprise","2022-10-24T16:58:53.944Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:39.795Z",208802937,"2e85cf26-75ca-44c0-a8a9-936e70480efe",{"_uid":11,"roles":12,"title":13,"author":14,"topics":76,"content":118,"category":915,"language":941,"component":928,"heroMedia":942,"sidebarCta":948,"publishedAt":949,"readingTime":950,"redirectUrl":24,"listingImage":951,"metaDescription":952,"componentsAfterTheArticle":953},"ec986d25-e56f-4e04-a593-3be5b6332c7c",[],"Carte bancaire prépayée : comparatif et guide 2025",{"name":15,"created_at":16,"published_at":6,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":58,"full_slug":59,"sort_by_date":60,"position":61,"tag_list":62,"is_startpage":30,"parent_id":63,"meta_data":60,"group_id":64,"first_published_at":65,"release_id":60,"lang":66,"path":60,"alternates":67,"default_full_slug":68,"translated_slugs":69,"_stopResolving":75},"Juliette Hervé","2022-10-19T17:36:15.928Z","2026-03-12T10:47:20.108Z",206165077,"75432d6d-a8b9-4b76-b4e3-192482c975a1",{"_uid":21,"name":15,"links":22,"picture":44,"lastName":46,"component":47,"firstName":48,"description":49},"ed375fcf-6d1e-4874-81ae-97a16b9c5b1c",[23,37],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","9b882ffa-35eb-470c-aca9-216ca859e7a8",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/in/juliette-herve-webmarketing/","url","multilink","primary","cta",{"tag":24,"_uid":38,"icon":39,"link":42,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"d2566de7-0c45-4ec5-85ca-da8db04b35b5",{"id":40,"alt":24,"name":24,"focus":24,"title":24,"filename":41,"copyright":24,"fieldtype":29,"is_external_url":30},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":24,"url":43,"linktype":33,"fieldtype":34,"cached_url":43},"https://twitter.com/juherloc",{"alt":45,"name":24,"focus":24,"title":24,"filename":45,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/0a9e200a62/b55347be4f6487255b241265eda18683","Hervé","author","Juliette",{"type":50,"content":51},"doc",[52],{"type":53,"content":54},"paragraph",[55],{"text":56,"type":57},"Juliette is Marketing Manager at Spendesk since Octobre 2018. By joining the tribe, she wants to make the finance world easier to understand for people who, just like her, aren't coming from that sector.","text","juliette-herve","fr/blog/author/juliette-herve",null,-140,[],176408854,"9baa96ac-ad9f-4270-922b-0fdea865e093","2022-11-02T15:26:08.935Z","fr",[],"blog/author/juliette-herve",[70,71,73],{"path":68,"name":60,"lang":66,"published":60},{"path":68,"name":60,"lang":72,"published":60},"de",{"path":68,"name":60,"lang":74,"published":60},"es",true,[77,99],{"name":78,"created_at":79,"published_at":6,"updated_at":80,"id":81,"uuid":82,"content":83,"slug":86,"full_slug":87,"sort_by_date":60,"position":88,"tag_list":89,"is_startpage":30,"parent_id":90,"meta_data":60,"group_id":91,"first_published_at":92,"release_id":60,"lang":66,"path":60,"alternates":93,"default_full_slug":94,"translated_slugs":95,"_stopResolving":75},"Gestion des dépenses","2022-10-19T17:57:49.883Z","2026-03-12T10:47:22.758Z",206171402,"10ebb00d-65f3-42f6-997a-5aaf2acb94de",{"_uid":84,"name":78,"component":85},"5e8bdb3b-8902-4018-b794-cc7a6b9d58e2","tag","gestion-des-depenses","fr/blog/topic/gestion-des-depenses",-60,[],176456153,"20ad7c2f-9f74-406b-8af8-7d8b9f4125de","2022-11-02T15:24:55.480Z",[],"blog/topic/gestion-des-depenses",[96,97,98],{"path":94,"name":60,"lang":66,"published":60},{"path":94,"name":60,"lang":72,"published":60},{"path":94,"name":60,"lang":74,"published":60},{"name":100,"created_at":101,"published_at":6,"updated_at":102,"id":103,"uuid":104,"content":105,"slug":107,"full_slug":108,"sort_by_date":60,"position":61,"tag_list":109,"is_startpage":30,"parent_id":90,"meta_data":60,"group_id":110,"first_published_at":111,"release_id":60,"lang":66,"path":60,"alternates":112,"default_full_slug":113,"translated_slugs":114,"_stopResolving":75},"Carte de paiement","2022-10-19T17:57:52.020Z","2026-03-12T10:47:23.078Z",206171410,"38062cad-91f4-4753-8d76-3407e615ca0b",{"_uid":106,"name":100,"component":85},"a7b37bf3-5914-400c-8298-e6f44912165c","carte-de-paiement","fr/blog/topic/carte-de-paiement",[],"7b9ab684-1d4a-45d8-b449-fb3a9869a53e","2022-11-02T15:24:52.809Z",[],"blog/topic/carte-de-paiement",[115,116,117],{"path":113,"name":60,"lang":66,"published":60},{"path":113,"name":60,"lang":72,"published":60},{"path":113,"name":60,"lang":74,"published":60},{"type":50,"content":119},[120,124,135,139,148,155,169,179,184,198,208,216,234,243,248,252,256,265,287,301,302,312,322,326,331,340,346,350,354,376,386,390,400,404,409,410,418,432,436,441,445,449,491,495,500,510,520,530,535,547,566,590,595,613,617,627,633,638,646,651,659,672,682,687,694,709,734,739,746,763,773,778,785,803,807,812,819,836,846,850,860,876,886,898,902,914],{"type":53,"content":121},[122],{"text":123,"type":57},"Vous n’êtes pas sans le savoir : en tant que responsable administratif et financier, la gestion des dépenses en entreprise peut s’avérer être un véritable casse-tête.",{"type":53,"content":125},[126,128,133],{"text":127,"type":57},"Heureusement, avec l’arrivée des néobanques et banques nouvelle génération, une alternative à la comptabilité laborieuse d’antan et aux cartes bancaires classiques s’est dessinée : ",{"text":129,"type":57,"marks":130},"la carte bancaire prépayée professionnelle",[131],{"type":132},"bold",{"text":134,"type":57},".",{"type":53,"content":136},[137],{"text":138,"type":57},"Seulement, le choix sur le marché ne manque pas aujourd’hui. Comment donc choisir la meilleure carte bancaire prépayée, celle qui conviendra aux besoins de votre entreprise, et vous facilitera vos tâches comptables au quotidien ?",{"type":53,"content":140},[141,143,147],{"text":142,"type":57},"Découvrez dans ce petit guide ",{"text":144,"type":57,"marks":145},"tout ce qu’il faut savoir sur ce moyen de paiement innovant, des astuces pour choisir le vôtre, ainsi qu’un comparatif des meilleures cartes bancaires prépayées du moment",[146],{"type":132},{"text":134,"type":57},{"type":149,"attrs":150,"content":152},"heading",{"level":151},2,[153],{"text":154,"type":57},"Qu’est-ce qu’une carte bancaire prépayée ?",{"type":53,"content":156},[157,159,167],{"text":158,"type":57},"Tout est dans son nom ! ",{"text":160,"type":57,"marks":161},"Une carte bancaire prépayée",[162],{"type":163,"attrs":164},"link",{"href":165,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/blog/carte-bancaire-prepayee-employes/","_blank",{"text":168,"type":57}," est un moyen de paiement qui permet à l’utilisateur d’y verser les sommes qu’il souhaite utiliser, en espèces, en chèque, ou directement par virements bancaires via Internet.",{"type":53,"content":170},[171,173,177],{"text":172,"type":57},"Il s’agit d’",{"text":174,"type":57,"marks":175},"une carte de débit, et non d’une carte de crédit",[176],{"type":132},{"text":178,"type":57}," : ainsi, l’utilisateur ne peut y dépenser que les sommes qui y sont disponibles.",{"type":149,"attrs":180,"content":181},{"level":151},[182],{"text":183,"type":57},"Comment fonctionne ce moyen de paiement ?",{"type":53,"content":185},[186,188,192,194,196],{"text":187,"type":57},"C’est très simple. ",{"text":189,"type":57,"marks":190},"Vous commencez par acheter votre carte bancaire prépayée",[191],{"type":132},{"text":193,"type":57},". Certaines sont disponibles dans votre banque, en bureau de tabac, ou dans des commerces de proximité (supermarchés et hypermarchés, bureaux de presse…) ; d’autres s’achètent directement en ligne. ",{"type":195},"hard_break",{"text":197,"type":57},"Si, à l’origine, les cartes bancaires prépayées sans condition de revenus s’adressent plutôt aux personnes en situation d’interdit bancaire, elles ont maintenant trouvé leur place dans l’arsenal des équipes financières.",{"type":53,"content":199},[200,202,206],{"text":201,"type":57},"Qu’il s’agisse d’une carte obtenue chez un buraliste ou dans un point de vente d’une enseigne proposant un tel service, ",{"text":203,"type":57,"marks":204},"chaque carte de paiement prépayée affiche toutefois des usages et des plafonds spécifiques",[205],{"type":132},{"text":207,"type":57},". Certaines proposent même des fonctionnalités de cashback.",{"type":53,"content":209},[210,214],{"text":211,"type":57,"marks":212},"Vous chargez la carte avec la somme désirée",[213],{"type":132},{"text":215,"type":57},". Votre carte bancaire prépayée est ensuite utilisable directement pour vos achats physiques, sur Internet, mais aussi pour retirer de l’argent via des distributeurs automatiques de billets. Il convient néanmoins de fournir les justificatifs courants (justificatif de domicile et justificatif d’identité).",{"type":53,"content":217},[218,220,224,226,232],{"text":219,"type":57},"Une fois tous les fonds utilisés sur votre carte, il vous est possible de ",{"text":221,"type":57,"marks":222},"la recharger à l’envi",[223],{"type":132},{"text":225,"type":57},". Elle demeure utilisable pendant 4 ans, soit la même durée de validité qu’",{"text":227,"type":57,"marks":228},"une CB professionnelle",[229],{"type":163,"attrs":230},{"href":231,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/blog/cartes-bancaires-entreprise/",{"text":233,"type":57}," traditionnelle. Certaines offres de cartes bancaires se positionnent même sans frais de gestion ou des retraits gratuits.",{"type":235,"attrs":236},"blok",{"id":237,"body":238},"7a86d64e-e825-4a23-bd83-20e028b0c5d3",[239],{"_uid":240,"html":241,"component":242},"i-a0b64cfc-5ff3-4c5d-8f1d-ac27cd8c6dc7","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\u003Cspan class=\"hs-cta-node hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\" id=\"hs-cta-bf25993d-2e40-4bd4-91c6-dce0d789585f\">\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/bf25993d-2e40-4bd4-91c6-dce0d789585f\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-bf25993d-2e40-4bd4-91c6-dce0d789585f\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/bf25993d-2e40-4bd4-91c6-dce0d789585f.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, 'bf25993d-2e40-4bd4-91c6-dce0d789585f', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":149,"attrs":244,"content":245},{"level":151},[246],{"text":247,"type":57},"Quels sont les avantages d’une carte bancaire prépayée dans une entreprise ?",{"type":53,"content":249},[250],{"text":251,"type":57},"Dans le cadre d’une utilisation personnelle, on a entendu vanter les mérites de la carte rechargeable prépayée. Elle est très pratique pour donner de l’autonomie à un mineur, pour gérer des dépenses de manière stricte, pour les personnes interdites bancaires, ou encore pour faciliter les transferts d’argent (notamment à l’international).",{"type":53,"content":253},[254],{"text":255,"type":57},"Mais quels sont les avantages de ce moyen de paiement pour une entreprise ?",{"type":53,"content":257},[258,260,264],{"text":259,"type":57},"Dans un premier temps, pas de doute : ",{"text":261,"type":57,"marks":262},"la carte bancaire prépayée rechargeable facilite grandement la vie de vos employés",[263],{"type":132},{"text":134,"type":57},{"type":266,"content":267},"bullet_list",[268,275,281],{"type":269,"content":270},"list_item",[271],{"type":53,"content":272},[273],{"text":274,"type":57},"Finie la carte d’affaires (ou carte bancaire d’entreprise) unique, qui doit passer de main en main dès qu’un employé a besoin d’effectuer une dépense professionnelle !",{"type":269,"content":276},[277],{"type":53,"content":278},[279],{"text":280,"type":57},"Vos collaborateurs n’ont pour autant pas besoin d’avancer les coûts de ces dépenses, et donc de créer des notes de frais.",{"type":269,"content":282},[283],{"type":53,"content":284},[285],{"text":286,"type":57},"La CB prépayée s’adapte aux besoins de vos salariés : certaines fonctionnent également à l’étranger, mais aussi pour les achats en ligne.",{"type":53,"content":288},[289,293,295,299],{"text":290,"type":57,"marks":291},"Du côté des managers",[292],{"type":132},{"text":294,"type":57},", ce moyen de paiement est également très intéressant. Il leur permet de ",{"text":296,"type":57,"marks":297},"gérer finement les budgets prévus",[298],{"type":132},{"text":300,"type":57},", puisque les employés ne peuvent dépenser que les sommes qui y sont disponibles. Ainsi, le manager garde la main sur son budget, en rechargeant la carte selon les besoins réels de ses collaborateurs.",{"type":53},{"type":235,"attrs":303},{"id":304,"body":305},"78f9449f-df92-4a8c-97c1-87efc029968f",[306],{"_uid":307,"text":308,"color":309,"title":310,"component":311},"i-6f52a2ae-3547-4b86-9f23-39dfce43a4b1","**Pour les équipes Finance, les cartes prépayées sont un véritable atout**. Elles leur permettent de gagner un temps significatif : plus besoin de traiter des notes de frais, ou encore de délivrer des avances de frais ! Leur gestion est rigoureuse puisque chaque transaction est sujette à autorisation systématique afin de vérifier que les fonds sont bel et bien disponibles sur le compte de paiements.","purple","Quid de l'équipe comptable ?","callout",{"type":53,"content":313},[314,316,320],{"text":315,"type":57},"Nous ajouterons que ",{"text":317,"type":57,"marks":318},"lorsque la carte est intégrée à une solution de gestion des dépenses, toutes les tâches comptables liées aux dépenses d’entreprise sont automatisées",[319],{"type":132},{"text":321,"type":57}," (notamment la centralisation des justificatifs).",{"type":53,"content":323},[324],{"text":325,"type":57},"Que du bon, ces cartes bancaires prépayées, pour votre entreprise !",{"type":149,"attrs":327,"content":328},{"level":151},[329],{"text":330,"type":57},"6 astuces pour choisir sa carte bancaire prépayée",{"type":53,"content":332},[333,335,339],{"text":334,"type":57},"Vous recherchez la carte bancaire prépayée adaptée aux besoins de votre entreprise ? Avant de vous présenter un comparatif des solutions à votre disposition, voici ",{"text":336,"type":57,"marks":337},"6 conseils clés pour faire le bon choix",[338],{"type":132},{"text":134,"type":57},{"type":149,"attrs":341,"content":343},{"level":342},3,[344],{"text":345,"type":57},"Cette carte correspond-elle précisément aux besoins de votre entreprise ?",{"type":53,"content":347},[348],{"text":349,"type":57},"Bien entendu, tous les moyens de paiement que vous choisissez pour votre entreprise doivent être absolument adaptés à vos besoins réels. Votre carte bancaire prépayée n’échappe pas à la règle.",{"type":53,"content":351},[352],{"text":353,"type":57},"Vérifiez donc tout d’abord si cette carte vous permet de procéder à : ",{"type":266,"content":355},[356,366],{"type":269,"content":357},[358],{"type":53,"content":359},[360,364],{"text":361,"type":57,"marks":362},"Des achats en ligne",[363],{"type":132},{"text":365,"type":57},": prenez notamment le temps de voir si elle est dotée d’un système de sécurité 3D Secure, qui assure la sécurité des paiements sur Internet.",{"type":269,"content":367},[368],{"type":53,"content":369},[370,374],{"text":371,"type":57,"marks":372},"Des achats récurrents",[373],{"type":132},{"text":375,"type":57}," : vos employés auront peut-être besoin de payer des abonnements avec.",{"type":53,"content":377},[378,380,384],{"text":379,"type":57},"Prenez également soin de vérifier les conditions dans lesquelles vous pouvez effectuer ",{"text":381,"type":57,"marks":382},"des achats à l’étranger",[383],{"type":132},{"text":385,"type":57}," avec. Dans le cadre de déplacements professionnels à l’international, vos collaborateurs doivent avoir aisément accès à un moyen de paiement efficace.",{"type":53,"content":387},[388],{"text":389,"type":57},"Vérifiez donc quelles devises sont prises en compte par la solution, quels frais sont appliqués à vos paiements ou retraits, mais aussi si la carte présente bien une piste magnétique. En effet, certains pays s’en servent pour les paiements physiques (et non via la puce de la carte, comme en France).",{"type":53,"content":391},[392,394,398],{"text":393,"type":57},"Pensez également à vérifier s’il vous est ",{"text":395,"type":57,"marks":396},"possible d’obtenir plusieurs cartes",[397],{"type":132},{"text":399,"type":57},", pour les différents pôles de votre entreprise, et si oui, à quel prix. Après tout, une carte bancaire prépayée est là pour vous éviter l’effet “carte affaires unique” !",{"type":53,"content":401},[402],{"text":403,"type":57},"D’ailleurs, en vous questionnant sur ces différents éléments, n’hésitez pas à anticiper vos besoins futurs. Par exemple, si vos collaborateurs ne voyagent pas pour l’heure à l’étranger, mais peut-être un projet d’internationalisation est-il en cours ? Même si vous ne souscrivez pas à ces options dès le départ, assurez-vous de choisir la solution qui vous suivra tout au long de la vie de votre entreprise.",{"type":149,"attrs":405,"content":406},{"level":342},[407],{"text":408,"type":57},"Avez-vous besoin d’un compte bancaire associé à la carte ?",{"type":53},{"type":235,"attrs":411},{"id":412,"body":413},"cdc60001-e7cd-4cd2-a8b3-d752cc3f275c",[414],{"_uid":415,"text":416,"color":309,"title":417,"component":311},"i-53e6cc96-de48-4761-9906-fdbf60d4b018","**Il existe des cartes bancaires prépayées qui ne nécessitent pas de créer de compte bancaire qui y soit associé**. Ces types de cartes seront intéressantes si vous ne souhaitez / ne pouvez pas passer par la banque qui gère habituellement vos comptes d’entreprise… mais il vous faut également veiller à un autre élément clé.","Bon à savoir",{"type":266,"content":419},[420,426],{"type":269,"content":421},[422],{"type":53,"content":423},[424],{"text":425,"type":57},"Si votre carte n’est pas associée à un compte bancaire, vous aurez accès à un RIB, qui ne pourra que vous servir pour déposer des coupons de recharge, achetés en liquide auprès d’un commerce.",{"type":269,"content":427},[428],{"type":53,"content":429},[430],{"text":431,"type":57},"Si votre carte est associée à un compte bancaire, vous pourrez obtenir un RIB traditionnel (comportant IBAN et BIC), qui vous permettra notamment de mettre en place des prélèvements (comme pour vos abonnements).",{"type":53,"content":433},[434],{"text":435,"type":57},"À vous de cibler vos besoins !",{"type":149,"attrs":437,"content":438},{"level":342},[439],{"text":440,"type":57},"Avez-vous vérifié les frais liés à votre carte bancaire prépayée ?",{"type":53,"content":442},[443],{"text":444,"type":57},"Tout comme à l’ouverture d’un compte bancaire traditionnel, votre CB prépayée vient avec des conditions et des frais bien spécifiques.",{"type":53,"content":446},[447],{"text":448,"type":57},"Généralement, vous trouverez 3 types de frais associés à une carte bancaire prépayée :",{"type":266,"content":450},[451,461,471,481],{"type":269,"content":452},[453],{"type":53,"content":454},[455,459],{"text":456,"type":57,"marks":457},"Les coûts liés à la carte elle-même",[458],{"type":132},{"text":460,"type":57},", prélevés sous forme d’une cotisation annuelle",{"type":269,"content":462},[463],{"type":53,"content":464},[465,469],{"text":466,"type":57,"marks":467},"Les coûts liés à l’utilisation de la carte",[468],{"type":132},{"text":470,"type":57}," : vous pouvez notamment plonger dans le détail des frais liés aux retraits, aux transactions, aux transferts d’argent, à la gestion du compte… mais également aux rechargements de la carte, qui sont parfois facturés eux aussi !",{"type":269,"content":472},[473],{"type":53,"content":474},[475,479],{"text":476,"type":57,"marks":477},"Les coûts optionnels",[478],{"type":132},{"text":480,"type":57}," : du paramétrage de la carte à sa personnalisation, en passant par des services complémentaires éventuels, n’hésitez pas à tout passer en revue",{"type":269,"content":482},[483],{"type":53,"content":484},[485,489],{"text":486,"type":57,"marks":487},"Les frais de change : ",[488],{"type":132},{"text":490,"type":57},"Pour les cartes bancaires prépayées pouvant être utilisées hors de la zone Euro, veillez à ce que les fonds disponibles soient suffisants pour prendre en compte les frais de change et les cours des devises pour la monnaie concernée.",{"type":53,"content":492},[493],{"text":494,"type":57},"En observant ces 3 types de coûts, vous pourrez estimer lesquels conviennent à votre projet, à l’aune de vos besoins réels.",{"type":149,"attrs":496,"content":497},{"level":342},[498],{"text":499,"type":57},"Avez-vous vérifié les types de cartes prépayées et leurs conditions ?",{"type":53,"content":501},[502,504,508],{"text":503,"type":57},"Après les frais, à vous de ",{"text":505,"type":57,"marks":506},"passer en revue toutes les conditions d’utilisation",[507],{"type":132},{"text":509,"type":57}," de votre future carte prépayée.",{"type":53,"content":511},[512,514,518],{"text":513,"type":57},"Focalisez-vous notamment sur ",{"text":515,"type":57,"marks":516},"les plafonds",[517],{"type":132},{"text":519,"type":57}," qui existent à votre carte, pour vous assurer qu’ils correspondent à ce que vous en attendez. À ce sujet, il est préférable de choisir une carte prépayée nominative, et non anonyme. En effet, la loi française prévoit, depuis le 1er janvier 2017, que ces CB prépayées anonymes soient limitées à 250€ de recharges par mois.",{"type":53,"content":521},[522,524,528],{"text":523,"type":57},"Veillez également à bien vérifier ",{"text":525,"type":57,"marks":526},"par quels moyens vous pouvez recharger votre carte",[527],{"type":132},{"text":529,"type":57},". Si le virement bancaire, par le web, est important, peut-être souhaiterez-vous aussi pouvoir la recharger en liquide (via des coupons) ou en chèque ?",{"type":149,"attrs":531,"content":532},{"level":342},[533],{"text":534,"type":57},"Quel est le niveau de sécurité proposé par la solution ?",{"type":53,"content":536},[537,539,545],{"text":538,"type":57},"Les risques de fraude liés à une carte bancaire prépayée sont les mêmes que pour une carte bleue traditionnelle et les ",{"text":540,"type":57,"marks":541},"e-cartes bleues",[542],{"type":163,"attrs":543},{"href":544,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.spendesk.com/fr/blog/e-carte-bleue-fonctionnement-avantages/",{"text":546,"type":57},"… et ne sont donc pas anodins, notamment lors d’achats en ligne.",{"type":53,"content":548},[549,551,555,557,564],{"text":550,"type":57},"C’est pourquoi il est crucial que vous preniez le temps de ",{"text":552,"type":57,"marks":553},"vous renseigner sur",[554],{"type":132},{"text":556,"type":57}," ",{"text":558,"type":57,"marks":559},"le niveau de sécurité de votre moyen de paiement",[560,563],{"type":163,"attrs":561},{"href":562,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/blog/paiement-securise/",{"type":132},{"text":565,"type":57}," potentiel :",{"type":266,"content":567},[568,578],{"type":269,"content":569},[570],{"type":53,"content":571},[572,576],{"text":573,"type":57,"marks":574},"La sécurisation par 3D Secure",[575],{"type":132},{"text":577,"type":57}," (qui demande une authentification renforcée lors des achats sur Internet) est bien souvent proposée dans ces solutions, notamment lorsqu’il s’agit d’une carte Mastercard ou d’une carte Visa.",{"type":269,"content":579},[580],{"type":53,"content":581},[582,584,588],{"text":583,"type":57},"D’autres solutions proposent également ",{"text":585,"type":57,"marks":586},"la mise en place de codes PIN uniques",[587],{"type":132},{"text":589,"type":57},", qui se renouvellent à chaque nouvelle transaction, évitant ainsi la fraude de manière encore plus efficace.",{"type":149,"attrs":591,"content":592},{"level":342},[593],{"text":594,"type":57},"La carte bancaire rechargeable peut-elle être liée à vos logiciels comptables ?",{"type":53,"content":596},[597,599,605,607,611],{"text":598,"type":57},"Dernière clé pour bien choisir votre carte bancaire prépayée professionnelle, et pas des moindres : la facilité à laquelle cette carte peut être reliée à vos logiciels de comptabilité. Si certaines solutions (surtout destinées aux particuliers) délivrent une carte “seule”, d’autres (comme ",{"text":600,"type":57,"marks":601},"Spendesk",[602],{"type":163,"attrs":603},{"href":604,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/",{"text":606,"type":57},") proposent avec la carte ",{"text":608,"type":57,"marks":609},"un logiciel de gestion des dépenses en entreprise",[610],{"type":132},{"text":612,"type":57}," très malin.",{"type":53,"content":614},[615],{"text":616,"type":57},"L’avantage ? Vous regroupez à un même endroit les justificatifs liés aux transactions effectuées par vos collaborateurs, suivez vos dépenses en temps réel, et facilitez grandement la tâche de votre service Finance !",{"type":53,"content":618},[619,621,625],{"text":620,"type":57},"N’hésitez pas non plus à regarder ",{"text":622,"type":57,"marks":623},"si la solution que vous avez en tête propose une intégration à votre logiciel comptable",[624],{"type":132},{"text":626,"type":57},". Vous assurerez ainsi un véritable grain de temps à votre responsable administratif et financier !",{"type":235,"attrs":628},{"id":237,"body":629},[630],{"_uid":631,"html":632,"component":242},"i-68c944e1-6540-4230-92db-0b6777dbd726","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-11d9dafb-a26d-417b-ab2e-4828eefbcecc\">\u003Cspan class=\"hs-cta-node hs-cta-11d9dafb-a26d-417b-ab2e-4828eefbcecc\" id=\"hs-cta-11d9dafb-a26d-417b-ab2e-4828eefbcecc\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/11d9dafb-a26d-417b-ab2e-4828eefbcecc\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-11d9dafb-a26d-417b-ab2e-4828eefbcecc\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/11d9dafb-a26d-417b-ab2e-4828eefbcecc.png\"  alt=\"gestion-factures-fournisseurs-facile-spendesk\"/>\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, '11d9dafb-a26d-417b-ab2e-4828eefbcecc', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"type":149,"attrs":634,"content":635},{"level":151},[636],{"text":637,"type":57},"Comparatif des cartes prépayées professionnelles",{"type":53,"content":639},[640,642],{"text":641,"type":57},"Si vous avez suivi ce guide jusqu’alors, vous avez désormais en tête les critères sur lesquels choisir votre CB prépayée et les différents types d’offres de cartes bancaires. Pour vous aider un peu plus dans vos recherches, nous avons sélectionné pour vous ",{"text":643,"type":57,"marks":644},"les 6 meilleures cartes bancaires prépayées.",[645],{"type":132},{"type":149,"attrs":647,"content":648},{"level":342},[649],{"text":650,"type":57},"N26",{"type":53,"content":652},[653],{"type":654,"attrs":655},"image",{"id":60,"alt":656,"src":657,"title":60,"source":60,"copyright":60,"meta_data":658},"n26-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/n26-carte-bancaire-prepayee-article-spendesk.png",{},{"type":53,"content":660},[661,663,670],{"text":662,"type":57},"Vous avez sans doute entendu parler de la néobanque N26 : celle-ci a promis de révolutionner le rapport à la banque des individus… mais aussi des entreprises. Elle peut vous délivrer ",{"text":664,"type":57,"marks":665},"une carte bancaire prépayée Mastercard",[666,669],{"type":163,"attrs":667},{"href":668,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://n26.com/fr-fr/mastercard",{"type":132},{"text":671,"type":57},", assortie d’un compte courant N26 Business.",{"type":53,"content":673},[674,676,680],{"text":675,"type":57},"Disponibles à partir de 16,90€ par mois, ces cartes sans contact, viennent également avec ",{"text":677,"type":57,"marks":678},"une application qui vous permet de gérer en temps réel vos dépenses",[679],{"type":132},{"text":681,"type":57},". Vous en modifiez les plafonds et le code PIN aisément. Une solution pratique pour les micro-entrepreneurs qui recherchent la simplicité.",{"type":149,"attrs":683,"content":684},{"level":342},[685],{"text":686,"type":57},"Revolut",{"type":53,"content":688},[689],{"type":654,"attrs":690},{"id":60,"alt":691,"src":692,"title":60,"source":60,"copyright":60,"meta_data":693},"revolut-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/revolut-carte-bancaire-prepayee-article-spendesk.png",{},{"type":53,"content":695},[696,701,703,707],{"text":686,"type":57,"marks":697},[698],{"type":163,"attrs":699},{"href":700,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.spendesk.com/alternative/revolut/",{"text":702,"type":57}," est également une entreprise venue “disrupter” le monde bancaire, en se positionnant comme ",{"text":704,"type":57,"marks":705},"une solution idéale pour les individus qui se déplacent régulièrement à l’étranger",[706],{"type":132},{"text":708,"type":57},". Plus de 150 devises prises en compte, et un taux de change en temps réel : voilà les atouts mis en avant par cette solution innovante.",{"type":53,"content":710},[711,713,718,720,724,725,732],{"text":712,"type":57},"Bonne nouvelle : ",{"text":686,"type":57,"marks":714},[715],{"type":163,"attrs":716},{"href":717,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.spendesk.com/revolut-virtual-card/",{"text":719,"type":57}," propose également la mise à disposition de ",{"text":721,"type":57,"marks":722},"cartes Visa prépayées d’entreprise, associées à",[723],{"type":132},{"text":556,"type":57},{"text":726,"type":57,"marks":727},"des comptes professionnels",[728,731],{"type":163,"attrs":729},{"href":730,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.revolut.com/fr-FR/revolut-pro/",{"type":132},{"text":733,"type":57},". Avec l’abonnement Enterprise, vous bénéficiez de 5 cartes gratuites pour vos collaborateurs. On notera également l’intégration avec des outils de comptabilité, tels que Xero ou QuickBooks, ainsi que l’API Revolut, paramétrable pour lier votre compte à vos outils de travail habituels.",{"type":149,"attrs":735,"content":736},{"level":342},[737],{"text":738,"type":57},"Sogexia",{"type":53,"content":740},[741],{"type":654,"attrs":742},{"id":60,"alt":743,"src":744,"title":60,"source":60,"copyright":60,"meta_data":745},"sogexia-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/sogexia-carte-bancaire-prepayee-article-spendesk.png",{},{"type":53,"content":747},[748,750,757,761],{"text":749,"type":57},"Avec Sogexia, vous obtenez ",{"text":751,"type":57,"marks":752},"une carte Mastercard prépayée gratuite",[753,756],{"type":163,"attrs":754},{"href":755,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.sogexia.com/fonctionnalites/moyens-de-paiement/",{"type":132},{"text":758,"type":57,"marks":759},", ainsi qu’un compte professionnel associé",[760],{"type":132},{"text":762,"type":57},", hébergé au Luxembourg. Très bientôt, cette banque proposera d’obtenir également des RIB français si nécessaire. Les CB, dotées de la technologie sans contact, sont illimitées à partir d’un même compte.",{"type":53,"content":764},[765,767,771],{"text":766,"type":57},"Les recharges peuvent se faire par carte bancaire, et très bientôt par chèques également. Grâce à la ",{"text":768,"type":57,"marks":769},"plateforme en ligne dédiée de Sogexia",[770],{"type":132},{"text":772,"type":57},", vous verrouillez ou déverrouillez en quelques clics les cartes, et gérez leurs recharges et leurs plafonds.",{"type":149,"attrs":774,"content":775},{"level":342},[776],{"text":777,"type":57},"Anyti.me",{"type":53,"content":779},[780],{"type":654,"attrs":781},{"id":60,"alt":782,"src":783,"title":60,"source":60,"copyright":60,"meta_data":784},"anytime-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/anytime-carte-bancaire-prepayee-article-spendesk.png",{},{"type":53,"content":786},[787,789,796,797,801],{"text":788,"type":57},"En voilà une banque pensée pour les entreprises, des auto-entrepreneurs aux PME, en passant par les associations et les professions libérales ! ",{"text":790,"type":57,"marks":791},"La Mastercard prépayée d’Any.time",[792,795],{"type":163,"attrs":793},{"href":794,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.anyti.me/fr/",{"type":132},{"text":556,"type":57},{"text":798,"type":57,"marks":799},"est associée à un compte courant",[800],{"type":132},{"text":802,"type":57}," (à partir de 99€ / mois pour un compte Professionnel), et ne demande aucun frais à l’international : pratique si vos collaborateurs se rendent souvent à l’étranger.",{"type":53,"content":804},[805],{"text":806,"type":57},"On notera également le logiciel comptable intégré à la solution, qui permet de digitaliser les notes de frais (grâce à des justificatifs dématérialisés), qui calcule automatiquement la TVA liée à vos dépenses, ou qui vous aide à payer vos salaires. Vous y activez et désactivez en temps réel les fonctionnalités des cartes comme le sans contact, les retraits au DAB ou les paiements par le web.",{"type":149,"attrs":808,"content":809},{"level":342},[810],{"text":811,"type":57},"PCS Pro",{"type":53,"content":813},[814],{"type":654,"attrs":815},{"id":60,"alt":816,"src":817,"title":60,"source":60,"copyright":60,"meta_data":818},"pcspro-carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/pcspro-carte-bancaire-prepayee-article-spendesk.png",{},{"type":53,"content":820},[821,823,828,830,834],{"text":822,"type":57},"La promesse de ",{"text":811,"type":57,"marks":824},[825],{"type":163,"attrs":826},{"href":827,"uuid":60,"anchor":60,"target":60,"linktype":33},"https://www.pcs-pro.com/",{"text":829,"type":57}," : vous délivrer ",{"text":831,"type":57,"marks":832},"une carte prépayée Mastercard sans compte associé",[833],{"type":132},{"text":835,"type":57},", pour limiter les risques en cas de vol ou de fraude. Ces cartes peuvent être personnalisées au logo de votre entreprise, au nom de votre employé et de votre société.",{"type":53,"content":837},[838,840,844],{"text":839,"type":57},"La carte est reliée à une application proposant ",{"text":841,"type":57,"marks":842},"un système de gestion des dépenses en entreprise",[843],{"type":132},{"text":845,"type":57},". Les reçus sont saisis et approuvés par vos gestionnaires de manière simple, et vous récupérez automatiquement la TVA de vos dépenses.",{"type":149,"attrs":847,"content":848},{"level":342},[849],{"text":600,"type":57},{"type":53,"content":851},[852],{"type":654,"attrs":853,"marks":857},{"id":60,"alt":854,"src":855,"title":60,"source":60,"copyright":60,"meta_data":856},"carte-bancaire-prepayee-article-spendesk","https://get.spendesk.com/hubfs/carte-bancaire-prepayee-article-spendesk.png",{},[858],{"type":163,"attrs":859},{"href":604,"uuid":60,"anchor":60,"target":60,"linktype":33},{"type":53,"content":861},[862,864,868,870,874],{"text":863,"type":57},"Chez Spendesk, nous vous proposons ",{"text":865,"type":57,"marks":866},"des cartes de débit Visa",[867],{"type":132},{"text":869,"type":57},", sans compte associé, et nominatif. ",{"text":871,"type":57,"marks":872},"Plus flexibles que des cartes bancaires prépayées classiques",[873],{"type":132},{"text":875,"type":57},", vous les paramétrez de manière simple, et sur mesure. Vous pouvez notamment déterminer les jours et horaires où la carte peut être utilisée, ou encore les catégories de dépenses autorisées.",{"type":53,"content":877},[878,880,884],{"text":879,"type":57},"Avec ",{"text":881,"type":57,"marks":882},"l’application mobile Spendesk",[883],{"type":132},{"text":885,"type":57},", vos employés accèdent aisément au solde de leur compte, suivent leurs achats en temps réel, et peuvent demander un rechargement en cas de besoin. Alors que les banques traditionnelles vous proposeront une carte qui devra être utilisée par plusieurs membres de l’organisation par compte en banque, Spendesk personnalise tous les moyens de paiement disponibles et vous permet de fixer les montants précis disponibles sur votre carte bancaire prépayée.",{"type":53,"content":887},[888,890,896],{"text":889,"type":57},"Besoin d’effectuer des achats sur Internet ? Nous vous mettons également à disposition ",{"text":891,"type":57,"marks":892},"des cartes de paiement virtuelles",[893],{"type":163,"attrs":894},{"href":895,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/product/virtual-cards/?__hstc=233546881.ff4562b06bc8a34ef81dc6961ca7295d.1612969048649.1612969048649.1612969048649.1&__hssc=233546881.1.1612969048650&__hsfp=1184703391",{"text":897,"type":57}," (à usage unique ou récurrent).",{"type":53,"content":899},[900],{"text":901,"type":57},"Le petit plus ? 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Par exemple, les décideurs et responsables auront un niveau de dépenses préapprouvé, différent de celui des autres collaborateurs.",{"type":53,"content":2626},[2627],{"text":2628,"type":57},"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":53,"content":2630},[2631],{"text":2632,"type":57},"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":53,"content":2634},[2635],{"text":2636,"type":57},"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":53,"content":2638},[2639],{"text":2640,"type":57},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la 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00:00",[],"Frais de repas professionnels 2026 : plafonds URSSAF, TVA déductible, titres-restaurant et justificatifs à conserver dans vos notes de frais.",[],[2744],{"cta":2745,"_uid":2746,"items":2747,"heading":2898,"reverse":30,"component":1012,"sectionSettings":2922},[],"d521db1c-f138-4141-96e2-aa45099085ff",[2748,2789,2805,2821,2843,2853,2863,2879],{"_uid":2749,"hide":30,"title":2750,"component":960,"description":2751},"ad7e9d64-0acf-4ddb-8081-eafb22ccdc03","Quel est le plafond d’exonération URSSAF du panier repas en 2026 ?",{"type":50,"content":2752},[2753],{"type":53,"attrs":2754,"content":2755},{"textAlign":60},[2756,2762,2766,2771,2775,2780,2784],{"text":2757,"type":57,"marks":2758},"Le plafond dépend de la situation du salarié : ",[2759],{"type":1675,"attrs":2760},{"color":2761},"oklch(0.923 0.003 48.717)",{"text":2763,"type":57,"marks":2764},"7,50 €",[2765],{"type":132},{"text":2767,"type":57,"marks":2768}," pour un repas pris sur le lieu de travail, ",[2769],{"type":1675,"attrs":2770},{"color":2761},{"text":2772,"type":57,"marks":2773},"10,40 €",[2774],{"type":132},{"text":2776,"type":57,"marks":2777}," pour un repas pris hors des locaux sans obligation de restaurant et ",[2778],{"type":1675,"attrs":2779},{"color":2761},{"text":2781,"type":57,"marks":2782},"21,40 €",[2783],{"type":132},{"text":2785,"type":57,"marks":2786}," pour un repas au restaurant lors d’un déplacement professionnel.",[2787],{"type":1675,"attrs":2788},{"color":2761},{"_uid":2790,"hide":30,"title":2791,"component":960,"description":2792},"30d2a9b5-9e43-4ced-b8ad-aa960a3a9f80","Peut-on récupérer la TVA sur un repas d’affaires ?",{"type":50,"content":2793},[2794],{"type":53,"attrs":2795,"content":2796},{"textAlign":60},[2797,2799,2803],{"text":2798,"type":57},"Oui, lorsque la dépense est professionnelle, que le justificatif est conforme et que la TVA est correctement identifiée. Pour une dépense supérieure à ",{"text":2800,"type":57,"marks":2801},"150 € HT",[2802],{"type":132},{"text":2804,"type":57},", demandez une facture comportant les informations d’identification de l’entreprise.",{"_uid":2806,"hide":30,"title":2807,"component":960,"description":2808},"0a8c9e01-3dd2-4164-8e09-f22035363fa9","Un ticket de caisse suffit-il comme justificatif de frais de repas ?",{"type":50,"content":2809},[2810],{"type":53,"attrs":2811,"content":2812},{"textAlign":60},[2813,2815,2819],{"text":2814,"type":57},"Un ticket peut suffire pour documenter une dépense de restauration inférieure ou égale à 150 € HT lorsque les mentions nécessaires figurent sur le justificatif. ",{"text":2816,"type":57,"marks":2817},"Une facture au nom de l’entreprise reste préférable",[2818],{"type":132},{"text":2820,"type":57},", notamment pour sécuriser la récupération de la TVA.",{"_uid":2822,"hide":30,"title":2823,"component":960,"description":2824},"bdece1ad-59a8-4603-8029-1e7f817440bf","Quel est le plafond de la participation patronale aux titres-restaurant en 2026 ?",{"type":50,"content":2825},[2826],{"type":53,"attrs":2827,"content":2828},{"textAlign":60},[2829,2834,2838],{"text":2830,"type":57,"marks":2831},"La participation patronale peut être exonérée jusqu’à ",[2832],{"type":1675,"attrs":2833},{"color":2761},{"text":2835,"type":57,"marks":2836},"7,32 € par titre",[2837],{"type":132},{"text":2839,"type":57,"marks":2840},", à condition de représenter entre 50 % et 60 % de la valeur faciale du titre.",[2841],{"type":1675,"attrs":2842},{"color":2761},{"_uid":2844,"hide":30,"title":2845,"component":960,"description":2846},"337f3872-432f-4319-98c7-3e22880061fb","Quelle différence entre un titre-restaurant et une indemnité de repas ?",{"type":50,"content":2847},[2848],{"type":53,"attrs":2849,"content":2850},{"textAlign":60},[2851],{"text":2852,"type":57},"Le titre-restaurant est un moyen de paiement cofinancé par l’employeur et le salarié. L’indemnité de repas est un remboursement ou une allocation versée dans le cadre de conditions professionnelles particulières, notamment lors d’un déplacement.",{"_uid":2854,"hide":30,"title":2855,"component":960,"description":2856},"22a13db7-5faf-41f0-9bde-c1dcf72bab7e","Comment gérer les frais de repas en télétravail ?",{"type":50,"content":2857},[2858],{"type":53,"attrs":2859,"content":2860},{"textAlign":60},[2861],{"text":2862,"type":57},"Le télétravail seul ne permet pas de verser un panier repas exonéré. Les dépenses liées au télétravail doivent être traitées selon les règles applicables à l’allocation de télétravail ou au remboursement des frais réellement engagés.",{"_uid":2864,"hide":30,"title":2865,"component":960,"description":2866},"f595eada-2951-459d-b5f1-34a3586e37e4","Comment éviter les erreurs sur les frais de repas ?",{"type":50,"content":2867},[2868],{"type":53,"attrs":2869,"content":2870},{"textAlign":60},[2871,2873,2877],{"text":2872,"type":57},"Pour limiter les erreurs, vérifiez systématiquement ",{"text":2874,"type":57,"marks":2875},"le lieu du repas, le régime applicable, le montant remboursé et le justificatif associé",[2876],{"type":132},{"text":2878,"type":57},". Une politique de dépenses claire et des contrôles automatisés permettent de traiter les exceptions avant la clôture.",{"_uid":2880,"hide":30,"title":2881,"component":960,"description":2882},"f4dda4d4-86d2-4089-9895-86549e711b81","Comment reprendre le contrôle sur les frais de repas ?",{"type":50,"content":2883},[2884,2893],{"type":53,"attrs":2885,"content":2886},{"textAlign":60},[2887,2889],{"text":2888,"type":57},"Les plafonds URSSAF, les règles fiscales, la TVA et les titres-restaurant obéissent à des règles différentes. ",{"text":2890,"type":57,"marks":2891},"La première étape consiste donc à rattacher chaque repas au bon régime avant de contrôler son montant.",[2892],{"type":132},{"type":53,"attrs":2894,"content":2895},{"textAlign":60},[2896],{"text":2897,"type":57},"Avec Spendesk, les équipes finance peuvent centraliser les paiements, les justificatifs, les règles de dépenses et les validations. Les transactions sont ensuite préparées pour le suivi comptable et l’export vers les outils compatibles.",[2899],{"cta":2900,"_uid":2901,"title":2902,"eyebrow":2911,"subtitle":2917,"component":149,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":2920,"sectionSettings":2921,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"d6dbf6c7-4c01-4c3d-bf3c-543b0addf6e3",{"type":50,"content":2903},[2904],{"type":149,"attrs":2905,"content":2906},{"level":151,"textAlign":60},[2907],{"text":2908,"type":57,"marks":2909},"Questions sur les frais de repas professionnels en 2026",[2910],{"type":132},{"type":50,"content":2912},[2913],{"type":53,"attrs":2914,"content":2915},{"textAlign":60},[2916],{"text":1326,"type":57},{"type":50,"content":2918},[2919],{"type":53},[],[],[],"frais-de-repas-professionnels-2026","fr/blog/frais-de-repas-professionnels-2026",-2310,[],"4c0d8a4e-9467-4a60-8a93-65bb54663750",[],"blog/frais-de-repas-professionnels-2026",[2931,2932,2933],{"path":2929,"name":60,"lang":66,"published":75},{"path":2929,"name":60,"lang":72,"published":60},{"path":2929,"name":60,"lang":74,"published":60},{"name":2935,"created_at":2936,"published_at":2937,"updated_at":2938,"id":2939,"uuid":2940,"content":2941,"slug":3118,"full_slug":3119,"sort_by_date":60,"position":3120,"tag_list":3121,"is_startpage":30,"parent_id":1025,"meta_data":60,"group_id":3122,"first_published_at":2937,"release_id":60,"lang":66,"path":60,"alternates":3123,"default_full_slug":3124,"translated_slugs":3125},"Forfait télétravail 2026 : allocation URSSAF, plafonds par jour et intégration dans vos notes de frais","2026-07-30T16:37:44.959Z","2026-07-30T18:28:30.038Z","2026-07-30T18:28:30.068Z",203734486911565,"12335a02-4cd3-42f6-90a8-5fcb0795a44a",{"_uid":2942,"title":2935,"topics":2943,"noIndex":30,"category":2952,"language":2961,"component":928,"heroMedia":2962,"publishedAt":2969,"redirectUrl":24,"listingImage":2970,"metaDescription":2971,"bottomArticleCta":2972,"componentsAfterTheArticle":2973},"bb589096-e731-4cc9-ad62-0fa4ac1df855",[2944],{"name":78,"created_at":79,"published_at":6,"updated_at":80,"id":81,"uuid":82,"content":2945,"slug":86,"full_slug":87,"sort_by_date":60,"position":88,"tag_list":2946,"is_startpage":30,"parent_id":90,"meta_data":60,"group_id":91,"first_published_at":92,"release_id":60,"lang":66,"path":60,"alternates":2947,"default_full_slug":94,"translated_slugs":2948,"_stopResolving":75},{"_uid":84,"name":78,"component":85},[],[],[2949,2950,2951],{"path":94,"name":60,"lang":66,"published":60},{"path":94,"name":60,"lang":72,"published":60},{"path":94,"name":60,"lang":74,"published":60},{"name":916,"created_at":917,"published_at":6,"updated_at":918,"id":919,"uuid":920,"content":2953,"slug":928,"full_slug":929,"sort_by_date":60,"position":930,"tag_list":2955,"is_startpage":30,"parent_id":932,"meta_data":60,"group_id":933,"first_published_at":934,"release_id":60,"lang":66,"path":60,"alternates":2956,"default_full_slug":936,"translated_slugs":2957,"_stopResolving":75},{"_uid":922,"icon":2954,"name":916,"component":927},{"id":924,"alt":925,"name":24,"focus":24,"title":24,"filename":926,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[2958,2959,2960],{"path":936,"name":60,"lang":66,"published":60},{"path":936,"name":60,"lang":72,"published":60},{"path":936,"name":60,"lang":74,"published":60},[66],[2963],{"_uid":2964,"asset":2965,"caption":24,"component":654},"2eecd4c9-a678-4769-a68d-107b7f93b1d8",{"id":2966,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":2967,"copyright":24,"fieldtype":29,"meta_data":2968,"is_external_url":30},22079367,"https://a.storyblok.com/f/146026/1110x740/4c5cf853dd/month-end-close.jpg",{},"2026-07-30 00:00",[],"Forfait télétravail 2026 : découvrez les plafonds d’exonération, les règles liées à l’accord collectif et l’intégration dans vos notes de frais.",[],[2974],{"cta":2975,"_uid":2976,"items":2977,"heading":3093,"reverse":30,"component":1012,"sectionSettings":3117},[],"ec62d521-0abd-4c8b-a7b9-0e0917e8ac91",[2978,2993,3015,3025,3040,3062],{"_uid":2979,"hide":30,"title":2980,"component":960,"description":2981},"6d369e95-480c-4e0c-ae11-5840c63ab195","Comment fiabiliser le suivi des allocations de télétravail ?",{"type":50,"content":2982},[2983,2988],{"type":53,"attrs":2984,"content":2985},{"textAlign":60},[2986],{"text":2987,"type":57},"Pour limiter les erreurs, l’entreprise doit contrôler le plafond applicable avant le versement, rattacher les justificatifs nécessaires et conserver une piste d’audit claire.",{"type":53,"attrs":2989,"content":2990},{"textAlign":60},[2991],{"text":2992,"type":57},"Spendesk peut aider les équipes finance à centraliser les dépenses, collecter les justificatifs, appliquer des règles internes et préparer les données nécessaires aux exports comptables. Les fonctionnalités exactes dépendent du produit, de la configuration de l’entreprise et du logiciel comptable utilisé. ",{"_uid":2994,"hide":30,"title":2995,"component":960,"description":2996},"b8839533-779d-4e49-a8ca-e5b8ba446131","Quelle différence entre le forfait télétravail et le forfait mobilités durables ?",{"type":50,"content":2997},[2998],{"type":53,"attrs":2999,"content":3000},{"textAlign":60},[3001,3003,3007,3009,3013],{"text":3002,"type":57},"Le ",{"text":3004,"type":57,"marks":3005},"forfait télétravail",[3006],{"type":132},{"text":3008,"type":57}," concerne certains frais liés au travail réalisé à distance. Le ",{"text":3010,"type":57,"marks":3011},"forfait mobilités durables",[3012],{"type":132},{"text":3014,"type":57}," concerne certains trajets entre le domicile et le lieu de travail. Les deux dispositifs répondent à des règles différentes et doivent être suivis séparément.",{"_uid":3016,"hide":30,"title":3017,"component":960,"description":3018},"b3f1b6c9-2e40-49d6-858e-fb38fc9ec4c9","Que se passe-t-il si le montant dépasse le plafond ?",{"type":50,"content":3019},[3020],{"type":53,"attrs":3021,"content":3022},{"textAlign":60},[3023],{"text":3024,"type":57},"La fraction qui dépasse le plafond applicable doit être justifiée par des frais professionnels réellement engagés. 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00:00",[],"La réforme de la gestion de la facturation électronique arrive en septembre 2026. Découvrez comment les DAF transforment la contrainte en levier de pilotage.",[],[3823],{"cta":3824,"_uid":3825,"items":3826,"heading":4071,"reverse":30,"component":1012,"sectionSettings":4093},[],"3146c1d9-9112-4f14-86f2-7829237d4e44",[3827,3873,3905,3921,3955,3977,3998,4025,4049],{"_uid":3828,"hide":30,"title":3829,"component":960,"description":3830},"179895b5-57a7-4b18-85e5-3bfe234d836d","Qu'est-ce que la facturation électronique obligatoire en France ?",{"type":50,"content":3831},[3832],{"type":53,"attrs":3833,"content":3834},{"textAlign":60},[3835,3837,3841,3843,3847,3849,3853,3855,3859,3861,3865,3867,3871],{"text":3836,"type":57},"La ",{"text":3838,"type":57,"marks":3839},"facturation électronique",[3840],{"type":132},{"text":3842,"type":57}," obligatoire est une réforme fiscale française qui impose à toutes les entreprises assujetties à la TVA d'émettre et de recevoir leurs factures dans un format structuré (notamment ",{"text":3844,"type":57,"marks":3845},"Factur-X",[3846],{"type":132},{"text":3848,"type":57},") via une ",{"text":3850,"type":57,"marks":3851},"Plateforme Agréée (PA)",[3852],{"type":132},{"text":3854,"type":57}," ou le ",{"text":3856,"type":57,"marks":3857},"Socle Commun (SC)",[3858],{"type":132},{"text":3860,"type":57},". L'objectif de l'administration est de lutter contre la fraude à la TVA grâce à l'",{"text":3862,"type":57,"marks":3863},"e-reporting",[3864],{"type":132},{"text":3866,"type":57}," en temps réel. Pour les entreprises, c'est aussi l'occasion de transformer leur ",{"text":3868,"type":57,"marks":3869},"gestion de la facturation",[3870],{"type":132},{"text":3872,"type":57}," en un véritable outil de pilotage financier, au-delà de la simple conformité.",{"_uid":3874,"hide":30,"title":3875,"component":960,"description":3876},"9e8efc53-5900-4e43-b4ba-d957dc19acbc","Quelle est la date d'entrée en vigueur de la réforme de la facture électronique ?",{"type":50,"content":3877},[3878],{"type":53,"attrs":3879,"content":3880},{"textAlign":60},[3881,3883,3887,3889,3893,3895,3898,3900,3903],{"text":3882,"type":57},"La réforme de la ",{"text":3884,"type":57,"marks":3885},"facture électronique",[3886],{"type":132},{"text":3888,"type":57}," entre en vigueur en ",{"text":3890,"type":57,"marks":3891},"septembre 2026",[3892],{"type":132},{"text":3894,"type":57}," pour les grandes entreprises et les entreprises de taille intermédiaire. Les PME et TPE suivront dans un calendrier progressif jusqu'en septembre 2027. Il est donc recommandé d'engager dès maintenant la connexion à une ",{"text":3850,"type":57,"marks":3896},[3897],{"type":132},{"text":3899,"type":57}," et la mise à jour de vos outils de ",{"text":3868,"type":57,"marks":3901},[3902],{"type":132},{"text":3904,"type":57},", pour ne pas subir la réforme dans l'urgence.",{"_uid":3906,"hide":30,"title":3907,"component":960,"description":3908},"96add20c-5a9c-4ae9-b92b-e6b107747aba","Comment créer une politique de dépenses que les employés respectent vraiment ?",{"type":50,"content":3909},[3910],{"type":53,"attrs":3911,"content":3912},{"textAlign":60},[3913,3915,3919],{"text":3914,"type":57},"Une politique de dépenses est respectée lorsqu'elle est ",{"text":3916,"type":57,"marks":3917},"intégrée dans les outils du quotidien",[3918],{"type":132},{"text":3920,"type":57},", pas seulement rédigée dans un document PDF. Concrètement, cela signifie coder chaque règle directement dans votre plateforme de gestion : plafonds par équipe, circuits de validation automatiques, cartes de paiement avec paramètres prédéfinis. Lorsqu'un collaborateur ne peut physiquement pas effectuer une dépense hors politique, le taux de conformité atteint 100 % sans effort de contrôle supplémentaire. Impliquer les managers opérationnels dans la phase de paramétrage renforce encore l'adhésion.",{"_uid":3922,"hide":30,"title":3923,"component":960,"description":3924},"e073cc59-1a79-4919-87a2-cefdb9de5a68","Comment mettre en place un process d'approbation des dépenses efficace ?",{"type":50,"content":3925},[3926],{"type":53,"attrs":3927,"content":3928},{"textAlign":60},[3929,3931,3935,3937,3941,3943,3947,3949,3953],{"text":3930,"type":57},"Un ",{"text":3932,"type":57,"marks":3933},"process d'approbation des dépenses",[3934],{"type":132},{"text":3936,"type":57}," efficace repose sur trois niveaux : la ",{"text":3938,"type":57,"marks":3939},"validation à la source",[3940],{"type":132},{"text":3942,"type":57}," (avant l'achat, via des enveloppes budgétaires pré-approuvées), le ",{"text":3944,"type":57,"marks":3945},"rapprochement automatisé",[3946],{"type":132},{"text":3948,"type":57}," commande-réception-facture (sans intervention humaine lorsque les montants correspondent), et l'",{"text":3950,"type":57,"marks":3951},"escalade intelligente",[3952],{"type":132},{"text":3954,"type":57}," sur délai (remontée automatique si une facture n'est pas validée dans les temps). Ce schéma élimine les goulets d'étranglement tout en maintenant un contrôle réel, et réduit drastiquement les tâches manuelles de l'équipe comptable.",{"_uid":3956,"hide":30,"title":3957,"component":960,"description":3958},"4ee068a8-4b3c-4789-a3b1-1ae1acb7c21f","Comment consolider la visibilité des dépenses sur plusieurs filiales ?",{"type":50,"content":3959},[3960],{"type":53,"attrs":3961,"content":3962},{"textAlign":60},[3963,3965,3969,3971,3975],{"text":3964,"type":57},"La consolidation multi-filiales nécessite une ",{"text":3966,"type":57,"marks":3967},"architecture unifiée",[3968],{"type":132},{"text":3970,"type":57},", pas une couche de reporting supplémentaire par-dessus des silos d'outils. La solution opérationnelle consiste à utiliser une plateforme unique capable d'",{"text":3972,"type":57,"marks":3973},"allouer automatiquement chaque dépense à la bonne entité juridique",[3974],{"type":132},{"text":3976,"type":57}," dès sa soumission, avec une visibilité temps réel pour le DAF groupe. Cela supprime les réconciliations manuelles inter-entités, accélère la clôture mensuelle et garantit une piste d'audit complète par entité pour les contrôles internes.",{"_uid":3978,"hide":30,"title":3979,"component":960,"description":3980},"3dc2dc36-da68-499c-90f4-25dec4eafad2","Comment gérer les dépenses d'une entreprise avec plusieurs entités juridiques ?",{"type":50,"content":3981},[3982],{"type":53,"attrs":3983,"content":3984},{"textAlign":60},[3985,3986,3990,3992,3996],{"text":3836,"type":57},{"text":3987,"type":57,"marks":3988},"gestion multi-entités",[3989],{"type":132},{"text":3991,"type":57}," repose sur une plateforme capable de distinguer automatiquement chaque entité juridique, son référentiel comptable et ses règles de validation propres, tout en offrant au siège une ",{"text":3993,"type":57,"marks":3994},"vue consolidée en temps réel",[3995],{"type":132},{"text":3997,"type":57},". Les entreprises qui gèrent encore la consolidation via des tableurs ou des exports manuels accumulent un retard de deux à quatre semaines sur leur vision des dépenses réelles, ce qui rend impossible tout pilotage budgétaire proactif.",{"_uid":3999,"hide":30,"title":4000,"component":960,"description":4001},"cc5d52f1-5983-4b59-8708-a26bbddc25d3","Qu'est-ce qu'une PA (Plateforme Agréée) ?",{"type":50,"content":4002},[4003],{"type":53,"attrs":4004,"content":4005},{"textAlign":60},[4006,4008,4012,4014,4018,4020,4023],{"text":4007,"type":57},"Une ",{"text":4009,"type":57,"marks":4010},"PA (Plateforme Agréée)",[4011],{"type":132},{"text":4013,"type":57},", anciennement appelée PDP (Plateforme de Dématérialisation Partenaire), est un opérateur privé certifié par la DGFiP depuis juillet 2025 pour émettre, recevoir et transmettre les ",{"text":4015,"type":57,"marks":4016},"factures électroniques",[4017],{"type":132},{"text":4019,"type":57}," dans le cadre de la réforme. Contrairement au ",{"text":3856,"type":57,"marks":4021},[4022],{"type":132},{"text":4024,"type":57}," (le portail public), une PA offre des fonctionnalités avancées : gestion des flux entrants et sortants, archivage légal, enrichissement des données et connexion à vos outils de gestion. Le choix de votre PA conditionne directement la qualité des données que vous pourrez exploiter pour piloter vos dépenses.",{"_uid":4026,"hide":30,"title":4027,"component":960,"description":4028},"e42b7d61-dd81-45d3-9e60-b7fdd6d49652","Qu'est-ce que le Factur-X et pourquoi est-ce important ?",{"type":50,"content":4029},[4030],{"type":53,"attrs":4031,"content":4032},{"textAlign":60},[4033,4036,4038,4041,4043,4047],{"text":3844,"type":57,"marks":4034},[4035],{"type":132},{"text":4037,"type":57}," est le format franco-allemand de ",{"text":3884,"type":57,"marks":4039},[4040],{"type":132},{"text":4042,"type":57}," hybride : il combine un fichier PDF lisible par un humain et un fichier XML structuré lisible par les machines. C'est le format recommandé dans le cadre de la réforme française. Son importance pour les DAF est double : il garantit la conformité légale et il permet l'",{"text":4044,"type":57,"marks":4045},"exploitation automatique des données de facturation",[4046],{"type":132},{"text":4048,"type":57}," par vos outils de gestion (catégorisation, rapprochement, récupération de TVA) sans ressaisie manuelle.",{"_uid":4050,"hide":30,"title":4051,"component":960,"description":4052},"101e0085-72cc-4b40-b9f3-588d310660fd","Comment sécuriser la récupération de la TVA sur les dépenses d'entreprise ?",{"type":50,"content":4053},[4054],{"type":53,"attrs":4055,"content":4056},{"textAlign":60},[4057,4059,4063,4065,4069],{"text":4058,"type":57},"La récupération de la TVA déductible est sécurisée lorsque chaque dépense est ",{"text":4060,"type":57,"marks":4061},"tracée, catégorisée et documentée",[4062],{"type":132},{"text":4064,"type":57}," dès sa réalisation. La ",{"text":4066,"type":57,"marks":4067},"dématérialisation des factures",[4068],{"type":132},{"text":4070,"type":57}," en format structuré (Factur-X) permet aux outils d'IA de détecter automatiquement le taux de TVA applicable selon le type de dépense et le pays du fournisseur, et d'isoler le montant récupérable sans intervention manuelle. Une plateforme de gestion des dépenses unifiée élimine les oublis et les erreurs de classification qui représentent une perte sèche pour l'entreprise.",[4072],{"cta":4073,"_uid":4074,"title":4075,"eyebrow":4082,"subtitle":4088,"component":149,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":4091,"sectionSettings":4092,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"5ae07ac1-3adc-4953-8b2b-fe59d1c71f7f",{"type":50,"content":4076},[4077],{"type":53,"attrs":4078,"content":4079},{"textAlign":60},[4080],{"text":4081,"type":57},"Les réponses aux questions que vous vous 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Pour aller plus loin, consultez nos ",{"text":4520,"type":57,"marks":4521},"réponses aux questions sur la facturation électronique",[4522,4525],{"type":163,"attrs":4523},{"href":4524,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.spendesk.com/fr/blog/facturation-electronique-les-reponses-aux-questions-que-vous-n-osez-pas-poser/",{"type":132},{"text":134,"type":57},{"_uid":4528,"hide":30,"title":4529,"component":960,"description":4530},"bdd5cd7f-2dbf-455f-a819-e90b1c49b034","Quelle est la pénalité si mon entreprise n'est pas prête pour la facturation électronique B2B en septembre 2026 ?",{"type":50,"content":4531},[4532],{"type":53,"attrs":4533,"content":4534},{"textAlign":60},[4535,4542],{"text":4536,"type":57,"marks":4537},"50 € par facture non conforme",[4538,4541],{"type":163,"attrs":4539},{"href":4540,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.fiducial.fr/facturation-electronique/faq/sanctions-non-conformite-obligation-facturation-electronique",{"type":132},{"text":4543,"type":57},", plafonnés à 15 000 € par an, selon l'article 1737 du CGI. Une PME qui traite quelques centaines de factures par an peut atteindre ce plafond très rapidement.",{"_uid":4545,"hide":30,"title":4546,"component":960,"description":4547},"26e8be1d-a340-4650-b843-7fe664e07553","Quels formats de facture accepte Chorus Pro ?",{"type":50,"content":4548},[4549],{"type":53,"attrs":4550,"content":4551},{"textAlign":60},[4552],{"text":4553,"type":57},"Trois formats structurés : Factur-X, UBL et CII. Pour Factur-X, attention au profil : le minimum requis est EN 16931. Un fichier au profil MINIMUM sera automatiquement rejeté. Vérifiez ce que génère votre outil de facturation avant le premier dépôt.",{"_uid":4555,"hide":30,"title":4556,"component":960,"description":4557},"ea1b5192-6aa5-4d97-99fa-322c821fe22f","Chorus Pro est-il obligatoire pour toutes les entreprises qui facturent le secteur public ?",{"type":50,"content":4558},[4559],{"type":53,"attrs":4560,"content":4561},{"textAlign":60},[4562],{"text":4563,"type":57},"Oui, depuis 2020, sans aucune exception. Que vous soyez auto-entrepreneur ou grand groupe, dès que votre client est une entité publique (ministère, collectivité, hôpital), la facture passe obligatoirement par le portail Chorus Pro.",[4565],{"cta":4566,"_uid":4567,"title":4568,"eyebrow":4575,"subtitle":4581,"component":149,"textAlign":24,"eyebrowPill":30,"flexibleSection":4584,"sectionSettings":4585,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"8a302182-3a35-41b1-909f-bcea3ee80af7",{"type":50,"content":4569},[4570],{"type":53,"attrs":4571,"content":4572},{"textAlign":60},[4573],{"text":4574,"type":57},"Les questions qu'on nous pose souvent sur le 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00:00",[4644],{"_uid":4645,"asset":4646,"caption":24,"component":654},"94df491d-5b57-475b-8e2b-9c0b9ab36ef4",{"id":4647,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":4648,"copyright":24,"fieldtype":29,"meta_data":4649,"is_external_url":30},21785633,"https://a.storyblok.com/f/146026/3060x2040/4cf07a2704/procurement-manager_header.png",{},"Cash flow : définition, formules de calcul (CFO, free cash flow) et leviers concrets pour améliorer la trésorerie de votre PME. Guide complet pour les DAF.",[],[4653],{"cta":4654,"_uid":4655,"items":4656,"heading":4707,"reverse":30,"component":1012,"sectionSettings":4729},[],"9f4994c7-e987-48cd-867e-6140b39dc84b",[4657,4667,4677,4687,4697],{"_uid":4658,"hide":30,"title":4659,"component":960,"description":4660},"dc08235c-92a3-471e-aa7d-ec72d6c3465a","Comment traduire “cash flow” en français ?",{"type":50,"content":4661},[4662],{"type":53,"attrs":4663,"content":4664},{"textAlign":60},[4665],{"text":4666,"type":57},"L’équivalent français est “flux de trésorerie”. Dans la pratique, les professionnels de la finance utilisent indifféremment les deux termes. Le PCG et l’ANC emploient “tableau des flux de trésorerie” dans leurs textes normatifs.",{"_uid":4668,"hide":30,"title":4669,"component":960,"description":4670},"76939d01-80ac-406d-ac68-1dc19e65a8a1","Qu’est-ce que le cash pooling ?",{"type":50,"content":4671},[4672],{"type":53,"attrs":4673,"content":4674},{"textAlign":60},[4675],{"text":4676,"type":57},"Le cash pooling est une technique de gestion de trésorerie utilisée par les groupes multi-entités. Il consiste à centraliser les soldes bancaires de plusieurs filiales sur un compte unique pour optimiser la trésorerie globale, en compensant les excédents des unes avec les besoins des autres.",{"_uid":4678,"hide":30,"title":4679,"component":960,"description":4680},"fac9d191-26a7-42b8-9fb3-710f4fadaf2f","Le cash flow peut-il être négatif sans que l’entreprise soit en danger ?",{"type":50,"content":4681},[4682],{"type":53,"attrs":4683,"content":4684},{"textAlign":60},[4685],{"text":4686,"type":57},"Oui, dans deux cas fréquents : un investissement ponctuel important ou une saisonnalité marquée. Le signal d’alerte survient quand le cash flow reste négatif sur plusieurs trimestres consécutifs sans explication structurelle.",{"_uid":4688,"hide":30,"title":4689,"component":960,"description":4690},"dffc6104-d8ea-46ae-be7d-9e2bb991e7bd","Quelle est la différence entre cash flow et résultat net ?",{"type":50,"content":4691},[4692],{"type":53,"attrs":4693,"content":4694},{"textAlign":60},[4695],{"text":4696,"type":57},"Le résultat net inclut des écritures comptables sans impact de trésorerie (amortissements, provisions). Le cash flow ne retient que les mouvements réels d’argent. Une entreprise peut afficher un bénéfice net tout en manquant de liquidités.",{"_uid":4698,"hide":30,"title":4699,"component":960,"description":4700},"985e7d6f-893a-4760-802c-0b331a306fdf","Quelle est la formule du cash flow ?",{"type":50,"content":4701},[4702],{"type":53,"attrs":4703,"content":4704},{"textAlign":60},[4705],{"text":4706,"type":57},"La formule directe est : produits encaissés moins charges décaissées. En méthode indirecte, le cash flow opérationnel se calcule ainsi : résultat net, plus amortissements et provisions, moins la variation du BFR.",[4708],{"cta":4709,"_uid":4710,"title":4711,"eyebrow":4718,"subtitle":4724,"component":149,"textAlign":24,"eyebrowPill":30,"flexibleSection":4727,"sectionSettings":4728,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"d6f717fc-977e-4c61-950c-2eb5456901dc",{"type":50,"content":4712},[4713],{"type":149,"attrs":4714,"content":4715},{"level":151,"textAlign":60},[4716],{"text":4717,"type":57},"Les questions qu'on nous pose 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Guide pratique pour DAF de PME.",[],[4816],{"cta":4817,"_uid":4818,"items":4819,"heading":4888,"reverse":30,"component":1012,"sectionSettings":4910},[],"7dd4646a-fff0-4a3d-bc2c-3cc7006b4137",[4820,4830,4848,4858,4868,4878],{"_uid":4821,"hide":30,"title":4822,"component":960,"description":4823},"342fecea-e2ef-4c7d-824c-03d38b7a514a","Comment la facturation électronique change-t-elle le rôle des intégrations comptables ?",{"type":50,"content":4824},[4825],{"type":53,"attrs":4826,"content":4827},{"textAlign":60},[4828],{"text":4829,"type":57},"La réforme impose une meilleure structuration des données financières dès leur création. Plus les dépenses sont codées et documentées tôt dans le processus, plus la transition vers les flux PA est simple à gérer. Un outil de dépenses connecté à Pennylane prépare concrètement votre PME à cette échéance.",{"_uid":4831,"hide":30,"title":4832,"component":960,"description":4833},"a986f824-80db-4133-9cf1-bdb566599b69","Quel plan Pennylane faut-il pour connecter un outil de dépenses ?",{"type":50,"content":4834},[4835],{"type":53,"attrs":4836,"content":4837},{"textAlign":60},[4838,4840,4847],{"text":4839,"type":57},"Les fonctionnalités d'intégration sont disponibles sur les plans Essentiel et Premium. Vérifiez la disponibilité du connecteur dans les paramètres d'intégration de Pennylane ou sur la page ",{"text":4841,"type":57,"marks":4842},"tarifs Pennylane",[4843,4846],{"type":163,"attrs":4844},{"href":4845,"uuid":60,"anchor":60,"target":166,"linktype":33},"https://www.pennylane.com/fr/pme/tarifs",{"type":132},{"text":134,"type":57},{"_uid":4849,"hide":30,"title":4850,"component":960,"description":4851},"f472aa5f-592f-4cab-aba9-7528721ca400","Faut-il impliquer l'expert-comptable dans la configuration ?",{"type":50,"content":4852},[4853],{"type":53,"attrs":4854,"content":4855},{"textAlign":60},[4856],{"text":4857,"type":57},"Oui. L'expert-comptable valide le mapping des comptes, les règles de TVA et les axes analytiques. 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Le connecteur natif est l'option la plus simple pour une équipe finance : il synchronise les données selon des règles prédéfinies, sans intervention récurrente.",{"_uid":4869,"hide":30,"title":4870,"component":960,"description":4871},"e8c3a950-d0c1-4b18-9a20-e96434ccc9b2","Pennylane est-il compatible avec Spendesk ?",{"type":50,"content":4872},[4873],{"type":53,"attrs":4874,"content":4875},{"textAlign":60},[4876],{"text":4877,"type":57},"Oui. 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des paiements par carte, de circuits d’approbation multi-niveaux ou d’une catégorisation TVA automatisée au-delà des capacités natives d’Odoo, un outil de gestion des dépenses dédié apporte une valeur mesurable.",{"_uid":5001,"hide":30,"title":5002,"component":960,"description":5003},"0bb5d83d-08ce-4067-baa7-78ec738825a5","Faut-il un intégrateur Odoo pour configurer la connexion ?",{"type":50,"content":5004},[5005],{"type":53,"attrs":5006,"content":5007},{"textAlign":60},[5008],{"text":5009,"type":57},"Non. Le fournisseur prend en charge la configuration du connecteur. Un intégrateur Odoo peut toutefois être utile pour accompagner le nettoyage du plan comptable ou la refonte des axes analytiques côté Odoo.",{"_uid":5011,"hide":30,"title":5012,"component":960,"description":5013},"b8db35fa-6463-4ae9-812e-d0e41f32f0e5","Combien de temps faut-il pour mettre en place l’intégration ?",{"type":50,"content":5014},[5015],{"type":53,"attrs":5016,"content":5017},{"textAlign":60},[5018],{"text":5019,"type":57},"Le déploiement prend en moyenne six semaines. Les entreprises dont le plan comptable Odoo est déjà structuré peuvent être opérationnelles en deux semaines.",{"_uid":5021,"hide":30,"title":5022,"component":960,"description":5023},"a3319740-37b3-4779-b6eb-23717e228eeb","La synchronisation est-elle compatible avec le FEC ?",{"type":50,"content":5024},[5025],{"type":53,"attrs":5026,"content":5027},{"textAlign":60},[5028],{"text":5029,"type":57},"Oui. 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Pay n’a aucun plafond propre : la limite dépend de votre carte. Découvrez les vrais plafonds pour une carte professionnelle et comment gérer Apple Pay en équipe avec Spendesk.",[],[5133],{"cta":5134,"_uid":5135,"items":5136,"heading":5187,"reverse":30,"component":1012,"sectionSettings":5208},[],"b6f34c2b-bd98-4437-852a-e562c46efead",[5137,5147,5157,5167,5177],{"_uid":5138,"hide":30,"title":5139,"component":960,"description":5140},"ee0888d0-a12e-4110-aa78-bdc8242c6763","Comment contrôler les dépenses Apple Pay de son équipe ?",{"type":50,"content":5141},[5142],{"type":53,"attrs":5143,"content":5144},{"textAlign":60},[5145],{"text":5146,"type":57},"En utilisant une plateforme de gestion des dépenses qui permet de fixer des plafonds par carte (jusqu’à 50 000 € pour les cartes physiques, 200 000 € pour les cartes virtuelles), de restreindre les catégories de marchands et de suivre chaque transaction en temps réel.",{"_uid":5148,"hide":30,"title":5149,"component":960,"description":5150},"d96ff3a2-b2ef-4a39-a898-935e9f848d97","Peut-on utiliser Apple Pay à l’étranger avec une carte d’entreprise ?",{"type":50,"content":5151},[5152],{"type":53,"attrs":5153,"content":5154},{"textAlign":60},[5155],{"text":5156,"type":57},"Oui, dans tous les pays où Apple Pay est accepté et où l’émetteur de la carte le permet (soit plus de 70 pays). 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