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00:00",[],[],"Comparez les logiciels de suivi budgétaire : fonctionnalités, budget engagé, approbations, intégrations et critères pour choisir le bon outil.\n",[],[1453],{"cta":1454,"_uid":1455,"items":1456,"heading":1524,"reverse":20,"component":1549,"sectionSettings":1550},[],"a321fb8a-19a0-4ccf-b69b-fb6552c8b83f",[1457,1469,1480,1491,1502,1513],{"_uid":1458,"hide":20,"title":1459,"component":1460,"description":1461},"5d9bce05-658f-44d7-b239-7a271963f0b9","Quel est le meilleur logiciel de suivi budgétaire pour une PME ?","faqItem",{"type":246,"attrs":1462,"content":1463},{"backgroundColor":17},[1464],{"type":249,"attrs":1465,"content":1466},{"textAlign":17},[1467],{"text":1468,"type":255},"Le meilleur outil dépend du nombre d’entités, du nombre de responsables de budget et du niveau de suivi attendu. Une PME avec une seule entité peut commencer avec un logiciel comptable et un outil de gestion des dépenses. Une PME avec plusieurs équipes doit privilégier le suivi du budget engagé, les approbations, les droits d’accès et les intégrations comptables.",{"_uid":1470,"hide":20,"title":1471,"component":1460,"description":1472},"7a3e2259-e570-4376-9696-bf8f86b7f4b7","Quelle différence entre budget prévu, engagé et réalisé ?",{"type":246,"attrs":1473,"content":1474},{"backgroundColor":17},[1475],{"type":249,"attrs":1476,"content":1477},{"textAlign":17},[1478],{"text":1479,"type":255},"Le budget prévu correspond au montant autorisé. Le budget engagé correspond aux dépenses décidées mais pas encore nécessairement comptabilisées. Le budget réalisé correspond aux dépenses enregistrées ou payées. 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[1619],{"cta":1620,"_uid":1621,"items":1622,"heading":1787,"reverse":20,"component":1549,"sectionSettings":1811},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[1623,1643,1671,1693,1708],{"_uid":1624,"hide":20,"title":1625,"component":1460,"description":1626},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":246,"attrs":1627,"content":1628},{"backgroundColor":17},[1629,1638],{"type":249,"attrs":1630,"content":1631},{"textAlign":17},[1632,1636],{"text":1633,"type":255,"marks":1634},"Dans le régime général, non.",[1635],{"type":698},{"text":1637,"type":255}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":249,"attrs":1639,"content":1640},{"textAlign":17},[1641],{"text":1642,"type":255},"Certaines exceptions 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Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":1644,"hide":20,"title":1645,"component":1460,"description":1646},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":246,"attrs":1647,"content":1648},{"backgroundColor":17},[1649,1660],{"type":249,"attrs":1650,"content":1651},{"textAlign":17},[1652,1654,1658],{"text":1653,"type":255},"Une facture périodique doit être réglée au plus tard ",{"text":1655,"type":255,"marks":1656},"45 jours après sa date d’émission",[1657],{"type":698},{"text":1659,"type":255},", sans report en fin de mois.",{"type":249,"attrs":1661,"content":1662},{"textAlign":17},[1663,1665,1669],{"text":1664,"type":255},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":1666,"type":255,"marks":1667},"15 décembre 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électronique change-t-elle les délais de paiement ?",{"type":246,"attrs":1697,"content":1698},{"backgroundColor":17},[1699],{"type":249,"attrs":1700,"content":1701},{"textAlign":17},[1702,1706],{"text":1703,"type":255,"marks":1704},"Elle change le circuit de traitement, mais pas les délais légaux.",[1705],{"type":698},{"text":1707,"type":255}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":1709,"hide":20,"title":1710,"component":1460,"description":1711},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":246,"attrs":1712,"content":1713},{"backgroundColor":17},[1714,1724,1734,1739,1746,1751,1776],{"type":249,"attrs":1715,"content":1716},{"textAlign":17},[1717,1719,1723],{"text":1718,"type":255},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[1864],{"cta":1865,"_uid":1866,"items":1867,"heading":1956,"reverse":20,"component":1549,"sectionSettings":1980},[],"d1adf0be-b475-4141-be84-e6809c10956b",[1868,1883,1897,1912,1927,1941],{"_uid":1869,"hide":20,"title":1870,"component":1460,"description":1871},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":246,"attrs":1872,"content":1873},{"backgroundColor":17},[1874],{"type":249,"attrs":1875,"content":1876},{"textAlign":17},[1877,1881],{"text":1878,"type":255,"marks":1879},"Non.",[1880],{"type":698},{"text":1882,"type":255}," Les factures doivent désormais passer par au moins une plateforme agréée choisie par l’entreprise. Le PPF conserve principalement son rôle d’annuaire et de concentrateur des données fiscales.",{"_uid":1884,"hide":20,"title":1885,"component":1460,"description":1886},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":246,"attrs":1887,"content":1888},{"backgroundColor":17},[1889],{"type":249,"attrs":1890,"content":1891},{"textAlign":17},[1892,1895],{"text":1878,"type":255,"marks":1893},[1894],{"type":698},{"text":1896,"type":255}," Un simple PDF envoyé par e-mail ne correspond pas au format attendu par la réforme. À partir du 1er septembre 2027, les PME devront émettre leurs factures dans un format électronique conforme, comme UBL, CII ou Factur-X selon leur solution.",{"_uid":1898,"hide":20,"title":1899,"component":1460,"description":1900},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":246,"attrs":1901,"content":1902},{"backgroundColor":17},[1903],{"type":249,"attrs":1904,"content":1905},{"textAlign":17},[1906,1910],{"text":1907,"type":255,"marks":1908},"Oui.",[1909],{"type":698},{"text":1911,"type":255}," Les micro-entrepreneurs et les entreprises en franchise en base de TVA sont également concernés lorsqu’ils sont assujettis. Ils doivent recevoir les factures électroniques depuis le 1er septembre 2026 et devront les émettre à partir du 1er septembre 2027.",{"_uid":1913,"hide":20,"title":1914,"component":1460,"description":1915},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":246,"attrs":1916,"content":1917},{"backgroundColor":17},[1918],{"type":249,"attrs":1919,"content":1920},{"textAlign":17},[1921,1925],{"text":1922,"type":255,"marks":1923},"Oui, dès lors qu’elle est assujettie à la TVA",[1924],{"type":698},{"text":1926,"type":255},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":1928,"hide":20,"title":1929,"component":1460,"description":1930},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":246,"attrs":1931,"content":1932},{"backgroundColor":17},[1933],{"type":249,"attrs":1934,"content":1935},{"textAlign":17},[1936,1939],{"text":1907,"type":255,"marks":1937},[1938],{"type":698},{"text":1940,"type":255}," Une PME peut par exemple utiliser une plateforme pour les factures fournisseurs et une autre pour ses ventes. L’annuaire doit néanmoins identifier clairement la plateforme et l’adresse utilisées pour recevoir les factures.",{"_uid":1942,"hide":20,"title":1943,"component":1460,"description":1944},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":246,"attrs":1945,"content":1946},{"backgroundColor":17},[1947],{"type":249,"attrs":1948,"content":1949},{"textAlign":17},[1950,1954],{"text":1951,"type":255,"marks":1952},"Non, sauf s’il est lui-même agréé.",[1953],{"type":698},{"text":1955,"type":255}," Un OD ou une autre solution compatible doit être raccordé à une plateforme agréée pour participer aux échanges prévus par la réforme. Demandez à votre prestataire quelle PA il utilise avant de lui confier vos flux.",[1957],{"cta":1958,"_uid":1959,"title":1960,"layout":14,"eyebrow":1968,"subtitle":1975,"component":266,"textAlign":14,"eyebrowPill":20,"checkmarkList":20,"flexibleSection":1978,"sectionSettings":1979,"displaySeparator":20,"breakLineOnMobile":20,"subtitleLeftBorder":20,"customTitleFontSize":14},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":246,"attrs":1961,"content":1962},{"backgroundColor":17},[1963],{"type":266,"attrs":1964,"content":1965},{"level":1533,"textAlign":17},[1966],{"text":1967,"type":255},"Questions fréquentes sur la facturation électronique des 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la différence entre Apple Pay et Tap to Pay sur iPhone, leurs frais, usages, justificatifs, limites et règles pour les paiements professionnels.",[],[2046],{"cta":2047,"_uid":2048,"items":2049,"heading":2125,"reverse":20,"component":1549,"sectionSettings":2149},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[2050,2065,2079,2096,2111],{"_uid":2051,"hide":20,"title":2052,"component":1460,"description":2053},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":246,"attrs":2054,"content":2055},{"backgroundColor":17},[2056],{"type":249,"attrs":2057,"content":2058},{"textAlign":17},[2059,2063],{"text":2060,"type":255,"marks":2061},"Oui, par l’intermédiaire du prestataire de paiement.",[2062],{"type":698},{"text":2064,"type":255}," Celui-ci prélève généralement une commission sur chaque transaction. Chez Stripe, les tarifs consultés en octobre 2026 indiquent 1,4 % + 0,10 € pour une carte de l’EEE, auxquels s’ajoutent 0,10 € par autorisation Tap to Pay.",{"_uid":2066,"hide":20,"title":2067,"component":1460,"description":2068},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":246,"attrs":2069,"content":2070},{"backgroundColor":17},[2071],{"type":249,"attrs":2072,"content":2073},{"textAlign":17},[2074,2077],{"text":1907,"type":255,"marks":2075},[2076],{"type":698},{"text":2078,"type":255}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":2080,"hide":20,"title":2081,"component":1460,"description":2082},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":246,"attrs":2083,"content":2084},{"backgroundColor":17},[2085],{"type":249,"attrs":2086,"content":2087},{"textAlign":17},[2088,2090,2094],{"text":2089,"type":255},"Il faut au minimum ",{"text":2091,"type":255,"marks":2092},"un compte marchand auprès d’un prestataire compatible",[2093],{"type":698},{"text":2095,"type":255},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":2097,"hide":20,"title":2098,"component":1460,"description":2099},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":246,"attrs":2100,"content":2101},{"backgroundColor":17},[2102],{"type":249,"attrs":2103,"content":2104},{"textAlign":17},[2105,2109],{"text":2106,"type":255,"marks":2107},"Oui, si son émetteur l’autorise.",[2108],{"type":698},{"text":2110,"type":255}," Elle peut alors être ajoutée dans l’app Cartes et utilisée avec Face ID, Touch ID ou le code de l’appareil. Certaines cartes virtuelles à usage unique ne sont toutefois pas compatibles.",{"_uid":2112,"hide":20,"title":2113,"component":1460,"description":2114},"5740f50b-3e71-4739-b292-d8deffbaf70c","Apple Pay remplace-t-il le justificatif d’une dépense professionnelle ?",{"type":246,"attrs":2115,"content":2116},{"backgroundColor":17},[2117],{"type":249,"attrs":2118,"content":2119},{"textAlign":17},[2120,2123],{"text":1878,"type":255,"marks":2121},[2122],{"type":698},{"text":2124,"type":255}," Apple Pay confirme le paiement, mais la facture ou le ticket du fournisseur reste nécessaire pour justifier la dépense et, le cas échéant, récupérer la TVA.",[2126],{"cta":2127,"_uid":2128,"title":2129,"layout":14,"eyebrow":2137,"subtitle":2144,"component":266,"textAlign":14,"eyebrowPill":20,"checkmarkList":20,"flexibleSection":2147,"sectionSettings":2148,"displaySeparator":20,"breakLineOnMobile":20,"subtitleLeftBorder":20,"customTitleFontSize":14},[],"0d4bf8af-b587-46cb-8d4e-2a371dde9c46",{"type":246,"attrs":2130,"content":2131},{"backgroundColor":17},[2132],{"type":266,"attrs":2133,"content":2134},{"level":1533,"textAlign":17},[2135],{"text":2136,"type":255},"Questions fréquentes sur Apple Pay et Tap to Pay sur 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un business case de gestion des dépenses avec un modèle concret pour calculer le ROI, le TCO, les gains et le délai de récupération.",[],[2215],{"cta":2216,"_uid":2217,"items":2218,"heading":2289,"reverse":20,"component":1549,"sectionSettings":2313},[],"3f8ed96a-76e2-4d90-8259-905056b7cff6",[2219,2236,2255,2272],{"_uid":2220,"hide":20,"title":2221,"component":1460,"description":2222},"001ffd20-9dfe-4654-b55a-dfe473d622b9","Quel est le délai de récupération d’un logiciel de gestion des dépenses ?",{"type":246,"attrs":2223,"content":2224},{"backgroundColor":17},[2225],{"type":249,"attrs":2226,"content":2227},{"textAlign":17},[2228,2230,2234],{"text":2229,"type":255},"Il dépend du volume de dépenses traité, du temps actuellement consacré aux tâches manuelles et du coût de la solution. Dans l’exemple illustratif de cet article, le délai varie de ",{"text":2231,"type":255,"marks":2232},"4,3 à 16,7 mois",[2233],{"type":698},{"text":2235,"type":255}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":2237,"hide":20,"title":2238,"component":1460,"description":2239},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":246,"attrs":2240,"content":2241},{"backgroundColor":17},[2242],{"type":249,"attrs":2243,"content":2244},{"textAlign":17},[2245,2248,2250,2254],{"text":1878,"type":255,"marks":2246},[2247],{"type":698},{"text":2249,"type":255}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. Sinon, mieux vaut le présenter comme de la ",{"text":2251,"type":255,"marks":2252},"capacité libérée",[2253],{"type":698},{"text":1670,"type":255},{"_uid":2256,"hide":20,"title":2257,"component":1460,"description":2258},"24bc1289-0edf-4a6b-acc1-6fb450e96e41","Combien de temps faut-il pour déployer une solution de gestion des dépenses ?",{"type":246,"attrs":2259,"content":2260},{"backgroundColor":17},[2261],{"type":249,"attrs":2262,"content":2263},{"textAlign":17},[2264,2266,2270],{"text":2265,"type":255},"La durée dépend notamment de l’intégration comptable, du paramétrage des règles et de la mise à jour de la politique de dépenses. Ce temps doit être intégré au ",{"text":2267,"type":255,"marks":2268},"TCO du projet",[2269],{"type":698},{"text":2271,"type":255},", au même titre que la formation et le double fonctionnement éventuel.",{"_uid":2273,"hide":20,"title":2274,"component":1460,"description":2275},"a1bf55a8-49d7-4226-a1ab-aa32e7fd1a36","Quels KPI suivre après le déploiement ?",{"type":246,"attrs":2276,"content":2277},{"backgroundColor":17},[2278],{"type":249,"attrs":2279,"content":2280},{"textAlign":17},[2281,2283,2287],{"text":2282,"type":255},"Suivez quelques indicateurs simples : ",{"text":2284,"type":255,"marks":2285},"durée de la clôture, taux de justificatifs collectés, délai de remboursement et dépenses hors politique",[2286],{"type":698},{"text":2288,"type":255},". Mesurez-les avant le lancement, puis à 3, 6 et 12 mois pour vérifier si les gains annoncés dans le business case se concrétisent.",[2290],{"cta":2291,"_uid":2292,"title":2293,"layout":14,"eyebrow":2301,"subtitle":2308,"component":266,"textAlign":14,"eyebrowPill":20,"checkmarkList":20,"flexibleSection":2311,"sectionSettings":2312,"displaySeparator":20,"breakLineOnMobile":20,"subtitleLeftBorder":20,"customTitleFontSize":14},[],"ff4e1068-513b-4b54-a1ee-33b373992bd3",{"type":246,"attrs":2294,"content":2295},{"backgroundColor":17},[2296],{"type":266,"attrs":2297,"content":2298},{"level":1533,"textAlign":17},[2299],{"text":2300,"type":255},"Questions fréquentes sur le business case de la gestion des dépenses",{"type":246,"attrs":2302,"content":2303},{"backgroundColor":17},[2304],{"type":249,"attrs":2305,"content":2306},{"textAlign":17},[2307],{"text":342,"type":255},{"type":246,"content":2309},[2310],{"type":249},[],[],[],"gestion-des-depenses-construire-un-business-case","fr/blog/gestion-des-depenses-construire-un-business-case",-3780,[],"bee13f1e-9c3b-4618-961a-22897f6b90e4","2026-10-17T14:47:06.994Z",[],"blog/gestion-des-depenses-construire-un-business-case",[2323,2324,2325],{"path":2321,"name":17,"lang":24,"published":17},{"path":2321,"name":17,"lang":30,"published":17},{"path":2321,"name":17,"lang":32,"published":17},{"name":2327,"created_at":2328,"published_at":2329,"updated_at":2330,"id":2331,"uuid":2332,"content":2333,"slug":2504,"full_slug":2505,"sort_by_date":17,"position":2506,"tag_list":2507,"is_startpage":20,"parent_id":1555,"meta_data":17,"group_id":2508,"first_published_at":2509,"release_id":17,"lang":24,"path":17,"alternates":2510,"default_full_slug":2511,"translated_slugs":2512},"Carte virtuelle d’entreprise : quel format choisir et pour quel usage ?","2026-10-17T14:08:56.387Z","2026-10-17T15:20:06.500Z","2026-10-17T15:20:06.526Z",231655573111856,"dc1649a7-a87c-4e75-9e69-baf57d654b0a",{"_uid":2334,"title":2327,"topics":2335,"noIndex":20,"category":2344,"language":2353,"component":1425,"heroMedia":2354,"publishedAt":1613,"redirectUrl":14,"leadwallForm":2362,"listingImage":2363,"leadwallTitle":14,"metaDescription":2364,"bottomArticleCta":2365,"leadwallSubtitle":14,"isLeadwallEnabled":20,"componentsAfterTheArticle":2366,"leadwallVisibleParagraphs":14},"8e70e652-ea89-4729-a6b3-79a9f0cd80f3",[2336],{"name":2003,"created_at":2004,"published_at":2005,"updated_at":2006,"id":2007,"uuid":2008,"content":2337,"slug":2011,"full_slug":2012,"sort_by_date":17,"position":2013,"tag_list":2338,"is_startpage":20,"parent_id":1403,"meta_data":17,"group_id":2015,"first_published_at":2016,"release_id":17,"lang":24,"path":17,"alternates":2339,"default_full_slug":2018,"translated_slugs":2340,"_stopResolving":68},{"_uid":2010,"name":2003,"component":13},[],[],[2341,2342,2343],{"path":2018,"name":17,"lang":24,"published":17},{"path":2018,"name":17,"lang":30,"published":17},{"path":2018,"name":17,"lang":32,"published":17},{"name":1413,"created_at":1414,"published_at":6,"updated_at":1415,"id":1416,"uuid":1417,"content":2345,"slug":1425,"full_slug":1426,"sort_by_date":17,"position":744,"tag_list":2347,"is_startpage":20,"parent_id":1428,"meta_data":17,"group_id":1429,"first_published_at":1430,"release_id":17,"lang":24,"path":17,"alternates":2348,"default_full_slug":1432,"translated_slugs":2349,"_stopResolving":68},{"_uid":1419,"icon":2346,"name":1413,"component":1424},{"id":1421,"alt":1422,"name":14,"focus":14,"title":14,"filename":1423,"copyright":14,"fieldtype":47,"is_external_url":20},[],[],[2350,2351,2352],{"path":1432,"name":17,"lang":24,"published":17},{"path":1432,"name":17,"lang":30,"published":17},{"path":1432,"name":17,"lang":32,"published":17},[24],[2355],{"_uid":2356,"link":2357,"asset":2358,"caption":14,"component":1446},"3b02eb40-9f10-4648-a965-32c52996d9bc",{"id":14,"url":14,"linktype":65,"fieldtype":66,"cached_url":1104,"prep":68},{"id":2359,"alt":14,"name":14,"focus":14,"title":14,"source":14,"filename":2360,"copyright":14,"fieldtype":47,"meta_data":2361,"is_external_url":20},231655874901652,"https://a.storyblok.com/f/146026/1248x832/8b3e8b338e/cartes-virtuelles-pour-les-entreprises.png",{"size":1612},[],[],"Découvrez comment choisir une carte virtuelle d’entreprise selon vos usages, vos besoins de contrôle, de sécurité et de suivi des dépenses.",[],[2367],{"cta":2368,"_uid":2369,"items":2370,"heading":2479,"reverse":20,"component":1549,"sectionSettings":2503},[],"c9d565f8-622e-4891-aaa4-c6e1283b588e",[2371,2388,2405,2420,2439,2462],{"_uid":2372,"hide":20,"title":2373,"component":1460,"description":2374},"84902400-0416-4c40-932b-874b0ac98008","Quels services de cartes virtuelles choisir pour une utilisation quotidienne en entreprise ?",{"type":246,"attrs":2375,"content":2376},{"backgroundColor":17},[2377],{"type":249,"attrs":2378,"content":2379},{"textAlign":17},[2380,2382,2386],{"text":2381,"type":255},"Pour un usage individuel, ",{"text":2383,"type":255,"marks":2384},"une application grand public ou une e-carte bancaire peut suffire",[2385],{"type":698},{"text":2387,"type":255},". Lorsque plusieurs collaborateurs effectuent des achats, une plateforme de gestion des dépenses permet de donner à chacun une carte nominative avec son propre plafond et ses propres règles.",{"_uid":2389,"hide":20,"title":2390,"component":1460,"description":2391},"1168181e-92ab-46a6-a556-f60c04bd4385","Une carte virtuelle d’entreprise est-elle payante ?",{"type":246,"attrs":2392,"content":2393},{"backgroundColor":17},[2394],{"type":249,"attrs":2395,"content":2396},{"textAlign":17},[2397,2399,2403],{"text":2398,"type":255},"Cela dépend de l’émetteur. Certaines banques proposent gratuitement leur e-carte, tandis que d’autres la facturent jusqu’à ",{"text":2400,"type":255,"marks":2401},"15 € par an",[2402],{"type":698},{"text":2404,"type":255}," selon Les clés de la banque. Sur une plateforme de gestion des dépenses, les cartes sont généralement comprises dans l’offre souscrite.",{"_uid":2406,"hide":20,"title":2407,"component":1460,"description":2408},"99170121-db37-46d6-aa43-d37003327a29","Peut-on payer un hôtel ou une location de voiture avec une carte virtuelle ?",{"type":246,"attrs":2409,"content":2410},{"backgroundColor":17},[2411],{"type":249,"attrs":2412,"content":2413},{"textAlign":17},[2414,2418],{"text":2415,"type":255,"marks":2416},"Pas toujours.",[2417],{"type":698},{"text":2419,"type":255}," Certains hôtels, loueurs de voitures et compagnies aériennes demandent encore la présentation de la carte physique utilisée lors de la réservation. Une carte physique d’entreprise reste donc utile pour ces situations.",{"_uid":2421,"hide":20,"title":2422,"component":1460,"description":2423},"5aa48a97-db1e-4a06-99e3-4338778ab467","Une carte virtuelle à usage unique fonctionne-t-elle pour un abonnement ?",{"type":246,"attrs":2424,"content":2425},{"backgroundColor":17},[2426],{"type":249,"attrs":2427,"content":2428},{"textAlign":17},[2429,2432,2434,2438],{"text":1878,"type":255,"marks":2430},[2431],{"type":698},{"text":2433,"type":255}," La carte devient inutilisable après le premier paiement, ce qui ferait échouer le renouvellement suivant. Pour un abonnement, mieux vaut utiliser une ",{"text":2435,"type":255,"marks":2436},"carte réutilisable dédiée au fournisseur",[2437],{"type":698},{"text":1670,"type":255},{"_uid":2440,"hide":20,"title":2441,"component":1460,"description":2442},"4fa89413-bd14-4e2a-a25d-87536f74a382","Peut-on être remboursé d’un achat payé avec une carte virtuelle à usage unique ?",{"type":246,"attrs":2443,"content":2444},{"backgroundColor":17},[2445],{"type":249,"attrs":2446,"content":2447},{"textAlign":17},[2448,2452,2454,2460],{"text":2449,"type":255,"marks":2450},"Oui, généralement.",[2451],{"type":698},{"text":2453,"type":255}," Le remboursement est crédité sur le compte auquel la carte était rattachée, même si la carte virtuelle a expiré entre-temps. ",{"text":2455,"type":255,"marks":2456},"BoursoBank",[2457],{"type":712,"attrs":2458},{"href":2459,"uuid":17,"anchor":17,"target":17,"linktype":451},"https://www.boursobank.com/aide-en-ligne/carte-bancaire/carte-virtuelle/question/puis-je-me-faire-rembourser-un-paiement-effectue-avec-ma-carte-virtuelle-50943845",{"text":2461,"type":255}," le confirme pour ses propres cartes, mais les conditions peuvent varier selon l’émetteur.",{"_uid":2463,"hide":20,"title":2464,"component":1460,"description":2465},"79186bae-d2cf-4557-bee0-681c2b8fd972","Combien de temps faut-il pour bloquer une carte virtuelle ?",{"type":246,"attrs":2466,"content":2467},{"backgroundColor":17},[2468],{"type":249,"attrs":2469,"content":2470},{"textAlign":17},[2471,2473,2477],{"text":2472,"type":255},"Lorsqu’elle est gérée depuis une application ou une plateforme adaptée, ",{"text":2474,"type":255,"marks":2475},"une carte virtuelle peut être bloquée immédiatement",[2476],{"type":698},{"text":2478,"type":255}," depuis l’interface. Il n’est alors pas nécessaire de faire opposition sur la carte principale ou sur les autres moyens de paiement de l’entreprise.",[2480],{"cta":2481,"_uid":2482,"title":2483,"layout":14,"eyebrow":2491,"subtitle":2498,"component":266,"textAlign":14,"eyebrowPill":20,"checkmarkList":20,"flexibleSection":2501,"sectionSettings":2502,"displaySeparator":20,"breakLineOnMobile":20,"subtitleLeftBorder":20,"customTitleFontSize":14},[],"c695d847-0451-4ed6-b576-3c33fdfa73f5",{"type":246,"attrs":2484,"content":2485},{"backgroundColor":17},[2486],{"type":266,"attrs":2487,"content":2488},{"level":1533,"textAlign":17},[2489],{"text":2490,"type":255},"Questions fréquentes sur les cartes virtuelles d’entreprise",{"type":246,"attrs":2492,"content":2493},{"backgroundColor":17},[2494],{"type":249,"attrs":2495,"content":2496},{"textAlign":17},[2497],{"text":342,"type":255},{"type":246,"content":2499},[2500],{"type":249},[],[],[],"carte-virtuelle-d-entreprise","fr/blog/carte-virtuelle-d-entreprise",-3770,[],"d5443503-1916-4553-81e4-dc765f9e5b72","2026-10-17T14:22:00.753Z",[],"blog/carte-virtuelle-d-entreprise",[2513,2514,2515],{"path":2511,"name":17,"lang":24,"published":17},{"path":2511,"name":17,"lang":30,"published":17},{"path":2511,"name":17,"lang":32,"published":17},"55",1793640984299]