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Vous n'avez vu que 15 € sur la facture. Les 85 € restants ? ",[87],{"type":88,"attrs":89},"textStyle",{"color":90},"#000000",{"text":92,"type":59,"marks":93},"Dissimulés dans",[94],{"type":88,"attrs":95},{"color":96},"#111418",{"text":98,"type":59,"marks":99}," le taux de change.",[100],{"type":88,"attrs":101},{"color":90},{"type":55,"attrs":103,"content":105},{"textAlign":61,"key":104},"p-1",[106],{"text":107,"type":59,"marks":108},"Les équipes financières perdent des milliers d'euros chaque année à cause de ces frais invisibles. Les banques traditionnelles ont perfectionné une procédé simple : afficher des frais de virement faibles ou nuls tout en majorant discrètement le taux de change. Résultat ? Vous payez 115 € pour un virement qui devrait coûter 47 €*, soit une majoration de 60 % qui n’a jamais acceptée.",[109],{"type":88,"attrs":110},{"color":90},{"type":112,"attrs":113,"content":115},"heading",{"level":114,"textAlign":61},2,[116],{"text":117,"type":59,"marks":118},"Les 115 € que vous ne saviez pas avoir payés",[119],{"type":88,"attrs":120},{"color":90},{"type":55,"attrs":122,"content":124},{"textAlign":61,"key":123},"p-2",[125],{"text":126,"type":59,"marks":127},"Voici ce qui s'est réellement passé lorsque vous avez envoyé ces 10 000 $ à votre fournisseur américain :",[128],{"type":88,"attrs":129},{"color":90},{"type":55,"attrs":131,"content":133},{"textAlign":61,"key":132},"p-3",[134],{"text":135,"type":59,"marks":136},"Ce que votre banque vous a montré :",[137],{"type":88,"attrs":138},{"color":90},{"type":140,"content":141},"bullet_list",[142,154],{"type":143,"content":144},"list_item",[145],{"type":55,"attrs":146,"content":148},{"textAlign":61,"key":147},"p-4",[149],{"text":150,"type":59,"marks":151},"Frais de virement : 15 €*",[152],{"type":88,"attrs":153},{"color":90},{"type":143,"content":155},[156],{"type":55,"attrs":157,"content":159},{"textAlign":61,"key":158},"p-5",[160],{"text":161,"type":59,"marks":162},"« Frais compétitifs »",[163],{"type":88,"attrs":164},{"color":90},{"type":55,"attrs":166,"content":168},{"textAlign":61,"key":167},"p-6",[169],{"text":170,"type":59,"marks":171},"Ce qu’elle vous a caché :",[172],{"type":88,"attrs":173},{"color":90},{"type":140,"content":175},[176,187],{"type":143,"content":177},[178],{"type":55,"attrs":179,"content":181},{"textAlign":61,"key":180},"p-7",[182],{"text":183,"type":59,"marks":184},"Majoration du taux de change : 100 €",[185],{"type":88,"attrs":186},{"color":90},{"type":143,"content":188},[189],{"type":55,"attrs":190,"content":192},{"textAlign":61,"key":191},"p-8",[193,200],{"text":194,"type":59,"marks":195},"Coût total : 115 €",[196,198],{"type":88,"attrs":197},{"color":90},{"type":199},"bold",{"text":201,"type":59,"marks":202},"*",[203],{"type":88,"attrs":204},{"color":90},{"type":55,"attrs":206,"content":208},{"textAlign":61,"key":207},"p-9",[209],{"text":210,"type":59,"marks":211},"Comparez cela au taux du marché (le taux réel sur Google et qu'utilise Spendesk) :",[212],{"type":88,"attrs":213},{"color":90},{"type":140,"content":215},[216,227,238],{"type":143,"content":217},[218],{"type":55,"attrs":219,"content":221},{"textAlign":61,"key":220},"p-10",[222],{"text":223,"type":59,"marks":224},"Frais de virement : 47 €",[225],{"type":88,"attrs":226},{"color":90},{"type":143,"content":228},[229],{"type":55,"attrs":230,"content":232},{"textAlign":61,"key":231},"p-11",[233],{"text":234,"type":59,"marks":235},"Majoration du taux de change : 0 €",[236],{"type":88,"attrs":237},{"color":90},{"type":143,"content":239},[240],{"type":55,"attrs":241,"content":243},{"textAlign":61,"key":242},"p-12",[244,250],{"text":245,"type":59,"marks":246},"Coût total : 47 €",[247,249],{"type":88,"attrs":248},{"color":90},{"type":199},{"text":201,"type":59,"marks":251},[252],{"type":88,"attrs":253},{"color":90},{"type":55,"attrs":255,"content":257},{"textAlign":61,"key":256},"p-13",[258],{"text":259,"type":59,"marks":260},"Même paiement. 68 € de différence.",[261],{"type":88,"attrs":262},{"color":90},{"type":55,"attrs":264,"content":266},{"textAlign":61,"key":265},"p-14",[267],{"text":268,"type":59,"marks":269},"Pourquoi ? Votre banque dissimule le coût réel dans le taux de change. Vous voyez 15 € sur la facture et pensez faire une bonne affaire. En réalité, vous payez 115 €.",[270],{"type":88,"attrs":271},{"color":90},{"type":55,"attrs":273,"content":275},{"textAlign":61,"key":274},"p-15",[276],{"text":277,"type":59,"marks":278},"Vous traitez 100 000 $ de paiements internationaux par mois ? Vous payez donc 8 160 € par an en frais cachés.",[279],{"type":88,"attrs":280},{"color":90},{"type":55,"attrs":282,"content":284},{"textAlign":61,"key":283},"p-16",[285,292,298,304],{"text":286,"type":59,"marks":287},"*Les économies réelles ",[288,290],{"type":88,"attrs":289},{"color":90},{"type":291},"italic",{"text":293,"type":59,"marks":294},"dépendent des volumes de paiements et des taux de change en vigueur",[295,297],{"type":88,"attrs":296},{"color":96},{"type":291},{"text":299,"type":59,"marks":300},". 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R",[337],{"type":88,"attrs":338},{"color":90},{"text":340,"type":59,"marks":341},"ésultat : pour payer un seul fournisseur international, vous devez :",[342],{"type":88,"attrs":343},{"color":96},{"type":345,"attrs":346,"content":349},"ordered_list",{"order":347,"key":348},1,"ol-0",[350,360,370,380,390,400,410],{"type":143,"content":351},[352],{"type":55,"attrs":353,"content":354},{"textAlign":61,"key":123},[355],{"text":356,"type":59,"marks":357},"Approuver la facture dans votre système de comptes fournisseurs.",[358],{"type":88,"attrs":359},{"color":90},{"type":143,"content":361},[362],{"type":55,"attrs":363,"content":364},{"textAlign":61,"key":132},[365],{"text":366,"type":59,"marks":367},"Basculer vers votre portail bancaire.",[368],{"type":88,"attrs":369},{"color":90},{"type":143,"content":371},[372],{"type":55,"attrs":373,"content":374},{"textAlign":61,"key":147},[375],{"text":376,"type":59,"marks":377},"Ressaisir manuellement tous les détails du paiement.",[378],{"type":88,"attrs":379},{"color":90},{"type":143,"content":381},[382],{"type":55,"attrs":383,"content":384},{"textAlign":61,"key":158},[385],{"text":386,"type":59,"marks":387},"Attendre généralement 3 à 5 jours ouvrables avec une visibilité limitée.",[388],{"type":88,"attrs":389},{"color":90},{"type":143,"content":391},[392],{"type":55,"attrs":393,"content":394},{"textAlign":61,"key":167},[395],{"text":396,"type":59,"marks":397},"Souvent relancer la banque pour obtenir des mises à jour.",[398],{"type":88,"attrs":399},{"color":90},{"type":143,"content":401},[402],{"type":55,"attrs":403,"content":404},{"textAlign":61,"key":180},[405],{"text":406,"type":59,"marks":407},"Se reconnecter à votre système comptable pour effectuer le rapprochement.",[408],{"type":88,"attrs":409},{"color":90},{"type":143,"content":411},[412],{"type":55,"attrs":413,"content":414},{"textAlign":61,"key":191},[415],{"text":416,"type":59,"marks":417},"Présenter vos excuses à votre fournisseur pour le retard.",[418],{"type":88,"attrs":419},{"color":90},{"type":55,"attrs":421,"content":422},{"textAlign":61,"key":207},[423],{"text":424,"type":59,"marks":425},"Sept étapes. Trois systèmes différents. Des heures de travail perdues pour un seul paiement. Lorsque votre processus de paiement s’appuie sur plusieurs outils déconnectés, ce n'est pas surprenant – c'est inévitable.",[426],{"type":88,"attrs":427},{"color":90},{"type":112,"attrs":429,"content":430},{"level":114,"textAlign":61},[431],{"text":432,"type":59,"marks":433},"Votre paiement disparaît pendant trois jours",[434],{"type":88,"attrs":435},{"color":90},{"type":55,"attrs":437,"content":438},{"textAlign":61,"key":220},[439],{"text":440,"type":59,"marks":441},"Les banques traditionnelles traitent les paiements internationaux via une chaîne d’intermédiaires. 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Fini les portails bancaires multiples, le rapprochement manuel et les zones d'ombre.",[633],{"type":88,"attrs":634},{"color":96},{"type":55,"attrs":636,"content":638},{"textAlign":61,"key":637},"p-27",[639],{"text":640,"type":59,"marks":641},"Voici ce qui change :",[642],{"type":88,"attrs":643},{"color":90},{"type":140,"content":645},[646],{"type":143,"content":647},[648],{"type":55,"attrs":649,"content":651},{"textAlign":61,"key":650},"p-28",[652,658,663,669,674],{"text":653,"type":59,"marks":654},"Payez moins avec une tarification transparente :",[655,657],{"type":88,"attrs":656},{"color":90},{"type":199},{"text":659,"type":59,"marks":660}," Spendesk applique systématiquement le taux du marché, sans aucun frais caché. Contrairement aux banques traditionnelles qui dissimulent leurs frais dans le taux de change, ",[661],{"type":88,"attrs":662},{"color":90},{"text":664,"type":59,"marks":665},"vous payez moins et savez exactement ce que vous payez",[666,668],{"type":88,"attrs":667},{"color":90},{"type":199},{"text":670,"type":59,"marks":671}," : le véritable taux du marché plus des frais clairs et distincts (0,5 % + 4 € sur les principales devises, y compris USD, GBP et EUR). ",[672],{"type":88,"attrs":673},{"color":90},{"text":675,"type":59,"marks":676},"Vous voyez précisément ce qui correspond aux frais de change par rapport aux frais de traitement, pour un rapprochement comptable efficace. C'est plus clair pour les approbations, le codage en grand livre et les audits.",[677],{"type":88,"attrs":678},{"color":96},{"type":140,"content":680},[681,698,715],{"type":143,"content":682},[683],{"type":55,"attrs":684,"content":686},{"textAlign":61,"key":685},"p-29",[687,693],{"text":688,"type":59,"marks":689},"Solution intégrée : ",[690,692],{"type":88,"attrs":691},{"color":90},{"type":199},{"text":694,"type":59,"marks":695},"Simplifiez la gestion des paiements via une seule plateforme. Fini les transferts fragmentés via plusieurs interlocuteurs ou outils. 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Abonnez-vous à notre newsletter pour rester informé.",[2243,2244],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2246],{"cta":2247,"_uid":2248,"items":2249,"heading":2368,"reverse":29,"component":2389,"sectionSettings":2390},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2250,2309],{"_uid":2251,"title":2252,"component":2253,"description":2254},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":52,"content":2255},[2256,2260],{"type":55,"content":2257},[2258],{"text":2259,"type":59},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":345,"attrs":2261,"content":2263},{"order":2262,"key":348},{"order":347},[2264,2276,2287],{"type":143,"content":2265},[2266],{"type":55,"content":2267},[2268,2272,2274],{"text":2269,"type":59,"marks":2270},"Les dépenses stratégiques",[2271],{"type":199},{"text":2273,"type":59}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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Elles comprennent les achats par carte, abonnements, campagnes digitales, événements, commandes diverses pour le bureau ou encore les voyages d'affaires.",{"type":2275},{"type":143,"content":2288},[2289],{"type":55,"content":2290},[2291,2295,2297,2298,2299,2301,2302,2303,2305,2306,2307],{"text":2292,"type":59,"marks":2293},"Les autres frais",[2294],{"type":199},{"text":2296,"type":59},", contrairement aux dépenses stratégiques et opérationnelles, représentent un nombre important de petits achats qui peuvent être difficiles à suivre. Il s'agit notamment des paiements par carte, demandes de remboursement des dépenses terrains et des frais de déplacement.",{"type":2275},{"type":2275},{"text":2300,"type":59},"La gestion des dépenses est le processus par lequel les entreprises gèrent toutes ces dépenses professionnelles. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":55,"content":2349},[2350],{"text":2351,"type":59},"Spendesk permet aux contrôleurs de créer des limites de dépenses et des approbations préalables. Par exemple, les décideurs et responsables auront un niveau de dépenses préapprouvé, différent de celui des autres collaborateurs.",{"type":55,"content":2353},[2354],{"text":2355,"type":59},"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":55,"content":2357},[2358],{"text":2359,"type":59},"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":55,"content":2361},[2362],{"text":2363,"type":59},"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":55,"content":2365},[2366],{"text":2367,"type":59},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, la 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00:00",[2439],{"_uid":2440,"link":2441,"asset":2442,"caption":23,"component":816},"7b5d4e87-ee46-4fff-ba30-9decfe28d691",{"id":23,"url":23,"linktype":865,"fieldtype":33,"cached_url":1879,"prep":76},{"id":2443,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2444,"copyright":23,"fieldtype":28,"meta_data":2445,"is_external_url":29},226349936372642,"https://a.storyblok.com/f/146026/2220x1461/089523cf50/blog-fr.png",{},"Les entreprises européennes pourraient surpayer leurs logiciels SaaS de 7 Md€ par an, tandis que leurs factures IA varient désormais de 61 % d’un mois à l’autre. Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[2448],{"cta":2449,"_uid":2456,"image":2457,"title":2462,"subtitle":23,"component":2174,"imageFullWidth":76},[2450],{"tag":23,"_uid":2451,"hide":29,"icon":2452,"link":2454,"type":23,"label":23,"style":34,"component":35,"mobileLabel":23,"onClickEvent":23,"openInANewTab":76,"horizontalFill":29},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":61,"alt":61,"name":23,"focus":61,"title":61,"source":61,"filename":23,"copyright":61,"fieldtype":28,"meta_data":2453},{},{"id":1458,"url":23,"linktype":865,"fieldtype":33,"cached_url":1459,"prep":76,"story":2455},{"name":1461,"id":1462,"uuid":1458,"slug":1463,"url":1464,"full_slug":1465,"_stopResolving":76},"8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":2458,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2459,"copyright":23,"fieldtype":28,"meta_data":2460,"is_external_url":29},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":2461},"1700x465",{"type":52,"content":2463},[2464],{"type":55},[2466],{"cta":2467,"_uid":2468,"items":2469,"heading":2567,"reverse":29,"component":2389,"sectionSettings":2591},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[2470,2484,2495,2508,2521,2532,2545,2556],{"_uid":2471,"hide":29,"title":2472,"component":2253,"description":2473},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?",{"type":52,"attrs":2474,"content":2475},{"backgroundColor":61},[2476,2481],{"type":55,"attrs":2477,"content":2478},{"textAlign":61},[2479],{"text":2480,"type":59},"La gestion des dépenses SaaS consiste à suivre, approuver, contrôler et réévaluer les abonnements logiciels utilisés dans l’entreprise. Elle permet aux équipes Finance de savoir qui est responsable de chaque outil, combien il coûte, s’il est réellement utilisé et quand son renouvellement est prévu. Les entreprises peuvent ainsi identifier les dépenses inutiles, comparer les prix et éviter les renouvellements dont elles n’ont pas besoin.",{"type":112,"attrs":2482},{"level":2483,"textAlign":61},3,{"_uid":2485,"hide":29,"title":2486,"component":2253,"description":2487},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":52,"attrs":2488,"content":2489},{"backgroundColor":61},[2490],{"type":55,"attrs":2491,"content":2492},{"textAlign":61},[2493],{"text":2494,"type":59},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":2496,"hide":29,"title":2497,"component":2253,"description":2498},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":52,"attrs":2499,"content":2500},{"backgroundColor":61},[2501,2506],{"type":55,"attrs":2502,"content":2503},{"textAlign":61},[2504],{"text":2505,"type":59},"Les équipes Finance doivent disposer d’une vue centralisée des factures, paiements par carte et abonnements récurrents, avec pour chaque outil le département concerné, le responsable de la dépense, les informations d’utilisation et la date de renouvellement. Cette approche remplace les feuilles de calcul dispersées par un processus cohérent permettant de suivre les dépenses logicielles, d’anticiper les renouvellements et d’identifier les possibilités de consolidation ou de renégociation.",{"type":112,"attrs":2507},{"level":2483,"textAlign":61},{"_uid":2509,"hide":29,"title":2510,"component":2253,"description":2511},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":52,"attrs":2512,"content":2513},{"backgroundColor":61},[2514,2519],{"type":55,"attrs":2515,"content":2516},{"textAlign":61},[2517],{"text":2518,"type":59},"Les entreprises peuvent comparer les fournisseurs par catégorie, examiner leur niveau d’utilisation et leur responsable, puis identifier les abonnements qui n’ont plus d’utilisateurs actifs ou de raison d’être claire. Dans notre échantillon, 72 % des entreprises utilisant des outils d’IA payaient pour au moins deux solutions concurrentes, tandis que 64 % des utilisateurs de logiciels de design disposaient d’abonnements parallèles. Des workflows d’approbation, un responsable clairement identifié pour chaque dépense et des revues avant renouvellement permettent d’éviter que des outils inutilisés ou en doublon continuent d’être facturés sans que personne ne s’en rende compte.",{"type":112,"attrs":2520},{"level":2483,"textAlign":61},{"_uid":2522,"hide":29,"title":2523,"component":2253,"description":2524},"8040349d-c86b-4a5f-a574-21a2cddd5e03","Comment les cartes virtuelles et les contrôles des dépenses peuvent-ils aider à gérer les abonnements SaaS et les coûts liés à l’IA ?",{"type":52,"attrs":2525,"content":2526},{"backgroundColor":61},[2527],{"type":55,"attrs":2528,"content":2529},{"textAlign":61},[2530],{"text":2531,"type":59},"Les cartes virtuelles et les contrôles associés aux cartes intelligentes permettent de mieux identifier et gérer les dépenses logicielles récurrentes ou facturées à l’usage. Les équipes Finance peuvent définir des limites de dépense, suivre les transactions en temps réel et recevoir des alertes en cas de hausse inattendue des coûts. Pour les abonnements SaaS à prix fixe, des revues avant renouvellement et une responsabilité clairement définie permettent d’éviter que des dépenses non approuvées continuent d’être facturées.",{"_uid":2533,"hide":29,"title":2534,"component":2253,"description":2535},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":52,"attrs":2536,"content":2537},{"backgroundColor":61},[2538,2543],{"type":55,"attrs":2539,"content":2540},{"textAlign":61},[2541],{"text":2542,"type":59},"Les logiciels SaaS traditionnels sont généralement facturés selon un montant mensuel relativement fixe, tandis que de nombreux outils d’IA facturent en fonction de l’utilisation. Dans notre échantillon, les dépenses totales consacrées à l’IA ont augmenté de 340 % en douze mois, alors même que le nombre d’entreprises qui en achetaient a très peu évolué. Les factures IA peuvent également varier fortement d’un mois à l’autre, le mois le plus cher pouvant atteindre jusqu’à huit fois le montant du mois le moins cher. Elles sont donc beaucoup plus difficiles à gérer avec un budget fixe traditionnel.",{"type":112,"attrs":2544},{"level":2483,"textAlign":61},{"_uid":2546,"hide":29,"title":2547,"component":2253,"description":2548},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":52,"attrs":2549,"content":2550},{"backgroundColor":61},[2551],{"type":55,"attrs":2552,"content":2553},{"textAlign":61},[2554],{"text":2555,"type":59},"Les dépenses IA doivent être gérées à l’aide d’une visibilité sur l’utilisation, de limites de dépense et d’alertes en temps réel, plutôt qu’avec une simple ligne budgétaire fixe. Ces contrôles permettent aux équipes Finance d’identifier rapidement une consommation inhabituelle de tokens ou une activité automatisée anormale, avant qu’un mois particulièrement coûteux n’arrive jusqu’à la clôture. Une carte intelligente assortie de limites de dépense et d’alertes peut apporter une couche de contrôle supplémentaire.",{"_uid":2557,"hide":29,"title":2558,"component":2253,"description":2559},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":52,"attrs":2560,"content":2561},{"backgroundColor":61},[2562],{"type":55,"attrs":2563,"content":2564},{"textAlign":61},[2565],{"text":2566,"type":59},"Les fonctionnalités les plus utiles sont notamment une vue centralisée des abonnements, l’affectation des dépenses à un responsable et à un département, des workflows d’approbation, des alertes de renouvellement, le contrôle des paiements récurrents, le suivi de l’utilisation, des limites de dépense, des alertes en temps réel et des outils de reporting. Pour les outils d’IA en particulier, la solution doit également donner une vision précise de la consommation afin d’aider les équipes Finance à passer d’un simple suivi des dépenses logicielles à un véritable contrôle des coûts liés à l’usage.",[2568],{"cta":2569,"_uid":2570,"title":2571,"layout":23,"eyebrow":2579,"subtitle":2586,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2589,"sectionSettings":2590,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":52,"attrs":2572,"content":2573},{"backgroundColor":61},[2574],{"type":112,"attrs":2575,"content":2576},{"level":114,"textAlign":61},[2577],{"text":2578,"type":59},"Questions fréquentes sur les dépenses SaaS",{"type":52,"attrs":2580,"content":2581},{"backgroundColor":61},[2582],{"type":55,"attrs":2583,"content":2584},{"textAlign":61},[2585],{"text":1131,"type":59},{"type":52,"content":2587},[2588],{"type":55},[],[],[],"depenses-saas-entreprises-europeennes","fr/blog/depenses-saas-entreprises-europeennes",-3510,[],"cfcb939b-9471-4d9a-9e84-337f2e70bd8d","2026-10-02T13:46:05.514Z",[],"blog/depenses-saas-entreprises-europeennes",[2601,2602,2603],{"path":2599,"name":61,"lang":67,"published":61},{"path":2599,"name":61,"lang":73,"published":61},{"path":2599,"name":61,"lang":75,"published":61},{"name":2605,"created_at":2606,"published_at":2607,"updated_at":2608,"id":2609,"uuid":2610,"content":2611,"slug":2737,"full_slug":2738,"sort_by_date":61,"position":2739,"tag_list":2740,"is_startpage":29,"parent_id":825,"meta_data":61,"group_id":2741,"first_published_at":2607,"release_id":61,"lang":67,"path":61,"alternates":2742,"default_full_slug":2743,"translated_slugs":2744},"Analyse des écarts 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00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[2658],{"cta":2659,"_uid":2660,"items":2661,"heading":2712,"reverse":29,"component":2389,"sectionSettings":2736},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[2662,2679,2690,2701],{"_uid":2663,"hide":29,"title":2664,"component":2253,"description":2665},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":52,"attrs":2666,"content":2667},{"backgroundColor":61},[2668],{"type":55,"attrs":2669,"content":2670},{"textAlign":61},[2671,2673,2677],{"text":2672,"type":59},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":2674,"type":59,"marks":2675},"projet reporté",[2676],{"type":199},{"text":2678,"type":59},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":2680,"hide":29,"title":2681,"component":2253,"description":2682},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":52,"attrs":2683,"content":2684},{"backgroundColor":61},[2685],{"type":55,"attrs":2686,"content":2687},{"textAlign":61},[2688],{"text":2689,"type":59},"Un écart temporaire provient généralement d’un décalage de calendrier ou d’une dépense exceptionnelle. Un écart structurel traduit une tendance durable, comme une hausse de prix ou un budget sous-évalué, et nécessite une action de fond.",{"_uid":2691,"hide":29,"title":2692,"component":2253,"description":2693},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":52,"attrs":2694,"content":2695},{"backgroundColor":61},[2696],{"type":55,"attrs":2697,"content":2698},{"textAlign":61},[2699],{"text":2700,"type":59},"Fixez le seuil absolu en fonction du budget global, du niveau de détail suivi et de l’impact du poste sur le résultat. 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La saisie consiste ensuite à enregistrer ces informations dans le logiciel comptable.",{"_uid":3117,"hide":29,"title":3118,"component":2253,"description":3119},"c0283b62-da9b-4ace-af44-40de8b071bf3","Quel compte utiliser pour une facture fournisseur ?",{"type":52,"attrs":3120,"content":3121},{"backgroundColor":61},[3122],{"type":55,"attrs":3123,"content":3124},{"textAlign":61},[3125],{"text":3126,"type":59},"Le compte dépend de la nature de la dépense. Une facture d’énergie peut relever du compte 6061, une prestation de conseil d’un compte d’honoraires, et une acquisition durable d’un compte d’immobilisation. Le compte 401 est généralement utilisé pour constater la dette envers un fournisseur d’exploitation.",{"_uid":3128,"hide":29,"title":3129,"component":2253,"description":3130},"5aa4d9e5-67b8-4797-8941-d205226e9b9c","Une facture sans bon de commande peut-elle être comptabilisée ?",{"type":52,"attrs":3131,"content":3132},{"backgroundColor":61},[3133],{"type":55,"attrs":3134,"content":3135},{"textAlign":61},[3136],{"text":3137,"type":59},"Oui. Il faut toutefois disposer d’une preuve de l’achat, vérifier que la prestation a bien été réalisée et faire valider l’exception par la personne compétente. L’absence de bon de commande ne détermine pas le compte comptable à utiliser.",{"_uid":3139,"hide":29,"title":3140,"component":2253,"description":3141},"c6564e89-b7ee-4b12-af62-5cb158f913a4","L’automatisation remplace-t-elle le comptable ?",{"type":52,"attrs":3142,"content":3143},{"backgroundColor":61},[3144],{"type":55,"attrs":3145,"content":3146},{"textAlign":61},[3147],{"text":3148,"type":59},"Non. Un outil peut extraire les données, proposer une codification et appliquer des règles sur les factures récurrentes. La validation humaine reste nécessaire pour les dépenses inhabituelles, les erreurs détectées et les situations qui nécessitent une analyse comptable.",[3150],{"cta":3151,"_uid":3152,"title":3153,"eyebrow":3163,"subtitle":3170,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3173,"sectionSettings":3174,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"5274e13b-a1e4-4936-afff-d5990567f1d5",{"type":52,"attrs":3154,"content":3155},{"backgroundColor":61},[3156],{"type":112,"attrs":3157,"content":3158},{"level":114,"textAlign":61},[3159],{"text":3160,"type":59,"marks":3161},"Questions fréquentes sur la codification 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à trois voies, découvrez comment comparer commande, livraison et facture pour sécuriser vos paiements fournisseurs et limiter les erreurs.",[],[3236],{"cta":3237,"_uid":3238,"items":3239,"heading":3326,"reverse":29,"component":2389,"sectionSettings":3352},[],"f5d045b0-cf80-447d-ab21-5a9630df1bc3",[3240,3262,3284,3305],{"_uid":3241,"hide":29,"title":3242,"component":2253,"description":3243},"71962f21-f32e-4eb4-8592-9ca401def550","Qu’est-ce que le three-way matching (rapprochement à trois voies) ?",{"type":52,"attrs":3244,"content":3245},{"backgroundColor":61},[3246,3257],{"type":55,"attrs":3247,"content":3248},{"textAlign":61},[3249,3251,3255],{"text":3250,"type":59},"Le three-way matching, ou rapprochement à trois voies, consiste à comparer ",{"text":3252,"type":59,"marks":3253},"le bon de commande, le bon de livraison et la facture",[3254],{"type":199},{"text":3256,"type":59}," avant d’autoriser le paiement.",{"type":55,"attrs":3258,"content":3259},{"textAlign":61},[3260],{"text":3261,"type":59},"Il permet de vérifier que le prix facturé correspond à la commande et que les quantités facturées correspondent aux quantités reçues.",{"_uid":3263,"hide":29,"title":3264,"component":2253,"description":3265},"bc4ebe19-7ad2-4e6f-a309-96c28d9f55bb","Quelle différence entre le rapprochement à deux voies et à trois voies ?",{"type":52,"attrs":3266,"content":3267},{"backgroundColor":61},[3268,3273],{"type":55,"attrs":3269,"content":3270},{"textAlign":61},[3271],{"text":3272,"type":59},"Le rapprochement à deux voies compare le bon de commande et la facture. Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":55,"attrs":3274,"content":3275},{"textAlign":61},[3276,3278,3282],{"text":3277,"type":59},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":3279,"type":59,"marks":3280},"les quantités réellement reçues",[3281],{"type":199},{"text":3283,"type":59},".",{"_uid":3285,"hide":29,"title":3286,"component":2253,"description":3287},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":52,"attrs":3288,"content":3289},{"backgroundColor":61},[3290,3295],{"type":55,"attrs":3291,"content":3292},{"textAlign":61},[3293],{"text":3294,"type":59},"Il permet notamment de repérer les écarts de prix et de quantité, les articles non commandés, les livraisons partielles facturées en totalité, les frais supplémentaires et les doublons.",{"type":55,"attrs":3296,"content":3297},{"textAlign":61},[3298,3300,3304],{"text":3299,"type":59},"Chaque écart doit ensuite être analysé selon ",{"text":3301,"type":59,"marks":3302},"les seuils et les règles définis par l’entreprise",[3303],{"type":199},{"text":3283,"type":59},{"_uid":3306,"hide":29,"title":3307,"component":2253,"description":3308},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":52,"attrs":3309,"content":3310},{"backgroundColor":61},[3311,3316],{"type":55,"attrs":3312,"content":3313},{"textAlign":61},[3314],{"text":3315,"type":59},"Non, le three-way matching n’est pas une obligation légale générale. Il s’agit d’une bonne pratique de contrôle interne qui aide à sécuriser les achats et les paiements.",{"type":55,"attrs":3317,"content":3318},{"textAlign":61},[3319,3321,3325],{"text":3320,"type":59},"La facturation électronique facilite son automatisation, mais ",{"text":3322,"type":59,"marks":3323},"le niveau de rapprochement doit rester adapté à la nature de chaque dépense",[3324],{"type":199},{"text":3283,"type":59},[3327],{"cta":3328,"_uid":3329,"title":3330,"eyebrow":3340,"subtitle":3347,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3350,"sectionSettings":3351,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"f5b9e653-4d2a-42ac-8dd2-65a8fbeba5ff",{"type":52,"attrs":3331,"content":3332},{"backgroundColor":61},[3333],{"type":112,"attrs":3334,"content":3335},{"level":114,"textAlign":61},[3336],{"text":3337,"type":59,"marks":3338},"Questions fréquentes sur le rapprochement à trois 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paiements partiels fournisseurs 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comptabiliser les factures d'acompte, avoirs et paie","11",[],"Acompte, avoir, avoir à établir et paiement partiel fournisseur : écritures comptables exactes, TVA déductible et impact sur la clôture, pas à pas.",[],[3420],{"_uid":3421,"items":3422,"heading":3497,"component":2389},"15a00a6e-f2c1-45b9-acf0-11f75c1716f3",[3423,3433,3443,3453,3463],{"_uid":3424,"title":3425,"component":2253,"description":3426},"b7921827-344e-4e69-bd68-82922156feae","Combien de temps faut-il conserver une facture d'avoir ?",{"type":52,"content":3427},[3428],{"type":55,"attrs":3429,"content":3430},{"textAlign":61},[3431],{"text":3432,"type":59},"6 ans au titre du délai fiscal de reprise, et 10 ans pour les pièces comptables des sociétés commerciales. En pratique, alignez la conservation de l'avoir sur celle de la facture qu'il corrige.",{"_uid":3434,"title":3435,"component":2253,"description":3436},"a77d9fc2-b790-4411-8b1b-4fbc74d5a5b0","Faut-il enregistrer la facture d'acompte elle-même ou seulement le paiement ?",{"type":52,"content":3437},[3438],{"type":55,"attrs":3439,"content":3440},{"textAlign":61},[3441],{"text":3442,"type":59},"C'est le règlement de l'acompte qui déclenche l'écriture au 4091 et au 44566. La facture d'acompte, elle, sert de justificatif indispensable pour déduire la TVA de manière anticipée.",{"_uid":3444,"title":3445,"component":2253,"description":3446},"6c69d821-04e6-41b3-bfd1-d78288b6be4a","Quelle différence entre un avoir et un remboursement ?",{"type":52,"content":3447},[3448],{"type":55,"attrs":3449,"content":3450},{"textAlign":61},[3451],{"text":3452,"type":59},"L'avoir vient en déduction d'une facture à venir du même fournisseur, sans mouvement de trésorerie immédiat. Le remboursement, lui, est un flux financier réel, comptabilisé via le 512 en solde du compte fournisseur concerné.",{"_uid":3454,"title":3455,"component":2253,"description":3456},"c8bf55a8-a821-4703-871e-16039e5ebaef","La TVA d'un acompte est-elle déductible immédiatement ?",{"type":52,"content":3457},[3458],{"type":55,"attrs":3459,"content":3460},{"textAlign":61},[3461],{"text":3462,"type":59},"Oui, depuis le 1er janvier 2023, dès l'encaissement de l'acompte par le fournisseur, biens et services confondus. La seule condition est de détenir une facture d'acompte mentionnant explicitement la TVA.",{"_uid":3464,"title":3465,"component":2253,"description":3466},"ab4f9bc8-211d-4b44-aba3-d0c97857391e","Que se passe-t-il si l'acompte versé dépasse le montant de la facture définitive ?",{"type":52,"content":3467},[3468],{"type":55,"attrs":3469,"content":3470},{"textAlign":61},[3471,3473,3479,3481,3487,3489,3495],{"text":3472,"type":59},"Après imputation du compte 4091 sur le compte 401, le compte fournisseur présente un ",{"text":3474,"type":59,"marks":3475},"solde débiteur",[3476],{"type":1494,"attrs":3477},{"href":3478,"uuid":61,"anchor":61,"target":1864,"linktype":32},"https://www.controledegestion.org/comptabilite/compte-409/",{"text":3480,"type":59}," : le fournisseur devient débiteur à hauteur du trop-versé. Par exemple, un acompte de 360 € versé pour une facture définitive de 300 € laisse 60 € de trop-versé en créance au compte 401. Vous récupérez cette somme soit en ",{"text":3482,"type":59,"marks":3483},"demandant un remboursement au fournisseur",[3484],{"type":1494,"attrs":3485},{"href":3486,"uuid":61,"anchor":61,"target":1864,"linktype":32},"https://www.keobiz.fr/le-mag/comptabilite-compte-fournisseur/",{"text":3488,"type":59},", soit en l'imputant sur une prochaine commande. Pensez également à ",{"text":3490,"type":59,"marks":3491},"régulariser la TVA déjà déduite",[3492],{"type":1494,"attrs":3493},{"href":3494,"uuid":61,"anchor":61,"target":1864,"linktype":32},"https://www.impots.gouv.fr/professionnel/questions/comment-traiter-une-facture-davoir-sur-ma-declaration-de-tva",{"text":3496,"type":59}," sur la part excédentaire de l'acompte, puisqu'aucune charge ne vient plus la justifier.",[3498],{"cta":3499,"_uid":3500,"title":3501,"eyebrow":3508,"subtitle":3513,"component":112,"textAlign":23,"flexibleSection":3518,"sectionSettings":3519,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"69f33381-76a9-4105-88fa-d36edee4d267",{"type":52,"content":3502},[3503],{"type":112,"attrs":3504,"content":3505},{"level":114,"textAlign":61},[3506],{"text":3507,"type":59},"Questions 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Un contrat entre entreprises peut être formé dès l’accord sur ",{"text":3958,"type":59,"marks":3959},"la prestation et son prix",[3960],{"type":199},{"text":3962,"type":59},", conformément aux règles du Code civil.",{"type":55,"attrs":3964,"content":3965},{"textAlign":61},[3966],{"text":3967,"type":59},"Le bon de commande devient toutefois nécessaire lorsqu’un marché public, une politique interne ou un contrat entre les parties l’impose.",{"_uid":3969,"hide":29,"title":3970,"component":2253,"description":3971},"390d40d8-3872-498b-9017-3c87f6d78866","Peut-on payer une facture fournisseur sans bon de commande ?",{"type":52,"attrs":3972,"content":3973},{"backgroundColor":61},[3974,3979],{"type":55,"attrs":3975,"content":3976},{"textAlign":61},[3977],{"text":3978,"type":59},"Oui, à condition de pouvoir démontrer que la dépense est réelle, autorisée et conforme. Réunissez un devis signé, un e-mail de validation, un bon de livraison ou une attestation de service fait, puis faites valider l’exception par la personne responsable du budget.",{"type":55,"attrs":3980,"content":3981},{"textAlign":61},[3982,3984,3988],{"text":3983,"type":59},"La décision doit rester documentée avec ",{"text":3985,"type":59,"marks":3986},"les éléments qui justifient le paiement",[3987],{"type":199},{"text":3283,"type":59},{"_uid":3990,"hide":29,"title":3991,"component":2253,"description":3992},"f5858d6f-ac65-4299-af23-1bc1b4001082","Quelle différence entre un bon de commande et une confirmation de commande ?",{"type":52,"attrs":3993,"content":3994},{"backgroundColor":61},[3995,4005],{"type":55,"attrs":3996,"content":3997},{"textAlign":61},[3998,4000,4004],{"text":3999,"type":59},"Le bon de commande est émis par l’acheteur pour formaliser sa demande. La confirmation de commande est envoyée par le fournisseur pour confirmer ",{"text":4001,"type":59,"marks":4002},"son acceptation et les conditions de la commande",[4003],{"type":199},{"text":3283,"type":59},{"type":55,"attrs":4006,"content":4007},{"textAlign":61},[4008],{"text":4009,"type":59},"Les deux documents doivent reprendre le même périmètre, les mêmes quantités, le même prix et les mêmes délais.",{"_uid":4011,"hide":29,"title":4012,"component":2253,"description":4013},"5ab004ea-9beb-4493-9f86-a49e129f46ad","Combien de temps faut-il conserver un bon de commande ?",{"type":52,"attrs":4014,"content":4015},{"backgroundColor":61},[4016,4026],{"type":55,"attrs":4017,"content":4018},{"textAlign":61},[4019,4021,4025],{"text":4020,"type":59},"Lorsqu’il constitue une pièce justificative comptable, le bon de commande doit généralement être conservé pendant ",{"text":4022,"type":59,"marks":4023},"10 ans à compter de la clôture de l’exercice 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",{"text":4132,"type":59,"marks":4133},"Attribuez ensuite le dossier à la bonne personne",[4134],{"type":199},{"text":4136,"type":59},", avec une action et une échéance précises.",{"type":55,"attrs":4138,"content":4139},{"textAlign":61},[4140],{"text":4141,"type":59},"Une donnée manquante peut être complétée, un écart de prix doit être vérifié avec les achats et une modification d’IBAN doit être confirmée par un canal indépendant.",{"_uid":4143,"hide":29,"title":4144,"component":2253,"description":4145},"23cc5f21-cf34-42f3-a1f5-beab78d05f2c","Faut-il bloquer le paiement en cas d’écart entre la commande et la facture ?",{"type":52,"attrs":4146,"content":4147},{"backgroundColor":61},[4148,4153],{"type":55,"attrs":4149,"content":4150},{"textAlign":61},[4151],{"text":4152,"type":59},"Non, pas automatiquement. Si une partie du montant est certaine et non contestée, elle peut être réglée à l’échéance, après validation du paiement partiel et accord avec le fournisseur.",{"type":55,"attrs":4154,"content":4155},{"textAlign":61},[4156,4158],{"text":4157,"type":59},"La ligne litigieuse est ensuite traitée séparément, avec un avoir ou une facture rectificative si nécessaire. ",{"text":4159,"type":59,"marks":4160},"Le paiement doit rester intégralement documenté.",[4161],{"type":199},{"_uid":4163,"hide":29,"title":4164,"component":2253,"description":4165},"a2a1cc11-f0d6-4699-8b8b-d7308207a8bb","Comment automatiser le traitement des factures fournisseurs ?",{"type":52,"attrs":4166,"content":4167},{"backgroundColor":61},[4168,4173],{"type":55,"attrs":4169,"content":4170},{"textAlign":61},[4171],{"text":4172,"type":59},"L’automatisation repose sur l’extraction des données, le rapprochement à trois voies, les workflows d’approbation et le paiement intégré.",{"type":55,"attrs":4174,"content":4175},{"textAlign":61},[4176,4178,4182],{"text":4177,"type":59},"L’outil doit également permettre de gérer les exceptions avec ",{"text":4179,"type":59,"marks":4180},"un statut, un responsable et une échéance",[4181],{"type":199},{"text":4183,"type":59},", afin que seules les factures en écart nécessitent une intervention 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de règlement, découvrez comment le calculer, le traiter en comptabilité et appliquer la TVA, tout en optimisant votre trésorerie.",[],[4665],{"cta":4666,"_uid":4667,"items":4668,"heading":4777,"reverse":29,"component":2389,"sectionSettings":4803},[],"1d066608-4962-47b5-8530-d071d8537c03",[4669,4690,4736,4756],{"_uid":4670,"hide":29,"title":4671,"component":2253,"description":4672},"ceba3d89-21df-448e-920e-3affe2d33d07","Qu’est-ce qu’un escompte ?",{"type":52,"attrs":4673,"content":4674},{"backgroundColor":61},[4675,4685],{"type":55,"attrs":4676,"content":4677},{"textAlign":61},[4678,4680,4684],{"text":4679,"type":59},"Un escompte est une réduction accordée par un fournisseur lorsque son client paie une facture ",{"text":4681,"type":59,"marks":4682},"avant la date d’échéance prévue",[4683],{"type":199},{"text":3283,"type":59},{"type":55,"attrs":4686,"content":4687},{"textAlign":61},[4688],{"text":4689,"type":59},"Côté acheteur, l’escompte obtenu est généralement comptabilisé au compte 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Côté fournisseur, l’escompte accordé est enregistré au compte 665.",{"_uid":4691,"hide":29,"title":4692,"component":2253,"description":4693},"6a1d0eff-7110-4789-9cc8-21aa91efb14e","Quelle est la différence entre un escompte, un acompte et un avoir ?",{"type":52,"attrs":4694,"content":4695},{"backgroundColor":61},[4696,4701],{"type":55,"attrs":4697,"content":4698},{"textAlign":61},[4699],{"text":4700,"type":59},"Ces trois notions correspondent à des opérations différentes :",{"type":140,"content":4702},[4703,4714,4725],{"type":143,"content":4704},[4705],{"type":55,"attrs":4706,"content":4707},{"textAlign":61},[4708,4712],{"text":4709,"type":59,"marks":4710},"l’escompte",[4711],{"type":199},{"text":4713,"type":59}," est une réduction obtenue en contrepartie d’un paiement anticipé ;",{"type":143,"content":4715},[4716],{"type":55,"attrs":4717,"content":4718},{"textAlign":61},[4719,4723],{"text":4720,"type":59,"marks":4721},"l’acompte",[4722],{"type":199},{"text":4724,"type":59}," est un paiement partiel effectué avant le règlement définitif ;",{"type":143,"content":4726},[4727],{"type":55,"attrs":4728,"content":4729},{"textAlign":61},[4730,4734],{"text":4731,"type":59,"marks":4732},"l’avoir",[4733],{"type":199},{"text":4735,"type":59}," est un document qui corrige ou annule tout ou partie d’une facture.",{"_uid":4737,"hide":29,"title":4738,"component":2253,"description":4739},"d69ead18-fdde-487d-8659-3eefda688d19","Quelle différence entre escompte de règlement et escompte bancaire ?",{"type":52,"attrs":4740,"content":4741},{"backgroundColor":61},[4742,4747],{"type":55,"attrs":4743,"content":4744},{"textAlign":61},[4745],{"text":4746,"type":59},"L’escompte de règlement est une réduction accordée sur une facture lorsque celle-ci est payée plus tôt. Il réduit la base de TVA conformément à l’article 267 du CGI.",{"type":55,"attrs":4748,"content":4749},{"textAlign":61},[4750,4752],{"text":4751,"type":59},"L’escompte bancaire est une opération de financement reposant sur la remise d’un effet de commerce à une banque. ",{"text":4753,"type":59,"marks":4754},"Il n’a pas d’impact sur la base de TVA de la facture.",[4755],{"type":199},{"_uid":4757,"hide":29,"title":4758,"component":2253,"description":4759},"1f557ea8-36ad-4224-93a1-d4120c6e2d18","L’escompte est-il obligatoire ?",{"type":52,"attrs":4760,"content":4761},{"backgroundColor":61},[4762,4767],{"type":55,"attrs":4763,"content":4764},{"textAlign":61},[4765],{"text":4766,"type":59},"Non. Les conditions d’escompte sont librement fixées entre les parties.",{"type":55,"attrs":4768,"content":4769},{"textAlign":61},[4770,4772,4776],{"text":4771,"type":59},"Les taux proposés se situent souvent entre 1 % et 3 %. Lorsqu’un escompte figure sur la facture et que les conditions sont remplies, ",{"text":4773,"type":59,"marks":4774},"il doit toutefois être correctement pris en compte dans la comptabilité",[4775],{"type":199},{"text":3283,"type":59},[4778],{"cta":4779,"_uid":4780,"title":4781,"eyebrow":4791,"subtitle":4798,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4801,"sectionSettings":4802,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"d1b00c7a-171a-4460-959f-9fcb4cc3a47d",{"type":52,"attrs":4782,"content":4783},{"backgroundColor":61},[4784],{"type":112,"attrs":4785,"content":4786},{"level":114,"textAlign":61},[4787],{"text":4788,"type":59,"marks":4789},"Questions fréquentes sur l’escompte de règlement",[4790],{"type":199},{"type":52,"attrs":4792,"content":4793},{"backgroundColor":61},[4794],{"type":55,"attrs":4795,"content":4796},{"textAlign":61},[4797],{"text":1131,"type":59},{"type":52,"content":4799},[4800],{"type":55},[],[],[],"escompte-de-reglement","fr/blog/escompte-de-reglement",-3120,[],"c1cae631-9ce1-47fd-9ff7-9ee3731a5475","2026-08-29T09:54:05.989Z",[],"blog/escompte-de-reglement",[4813,4814,4815],{"path":4811,"name":61,"lang":67,"published":61},{"path":4811,"name":61,"lang":73,"published":61},{"path":4811,"name":61,"lang":75,"published":61},{"name":4817,"created_at":4818,"published_at":4819,"updated_at":4820,"id":4821,"uuid":4822,"content":4823,"slug":5016,"full_slug":5017,"sort_by_date":61,"position":5018,"tag_list":5019,"is_startpage":29,"parent_id":825,"meta_data":61,"group_id":5020,"first_published_at":4819,"release_id":61,"lang":67,"path":61,"alternates":5021,"default_full_slug":5022,"translated_slugs":5023},"TVA sur les notes de frais des salariés, quels frais sont récupérables ?","2026-08-29T07:33:50.043Z","2026-08-29T07:52:31.215Z","2026-08-29T07:52:31.254Z",214217646291961,"7d8e790a-6b90-4b69-8bcc-dab95e20a79b",{"_uid":4824,"title":4817,"topics":4825,"noIndex":29,"category":4856,"language":4865,"component":794,"heroMedia":4866,"publishedAt":4280,"redirectUrl":23,"listingImage":4871,"metaDescription":4872,"bottomArticleCta":4873,"componentsAfterTheArticle":4874},"0aa1df78-edf1-4930-8c6c-b2a0e894efe8",[4826,4848],{"name":4827,"created_at":4828,"published_at":4829,"updated_at":4830,"id":4831,"uuid":4832,"content":4833,"slug":4836,"full_slug":4837,"sort_by_date":61,"position":4838,"tag_list":4839,"is_startpage":29,"parent_id":2417,"meta_data":61,"group_id":4840,"first_published_at":4841,"release_id":61,"lang":67,"path":61,"alternates":4842,"default_full_slug":4843,"translated_slugs":4844,"_stopResolving":76},"Business travel spend","2022-10-19T17:57:52.426Z","2026-09-29T09:14:04.646Z","2026-09-29T09:14:04.666Z",206171412,"f02d590f-28a6-4bed-9af7-ba56618838d4",{"_uid":4834,"name":4835,"component":2412},"f4f9204a-f68c-4130-90e6-fe871d851d46","Business travel","business-travel-spend","fr/blog/topic/business-travel-spend",-160,[],"7ee99d5b-b4ea-48cf-8744-9f4844a8319b","2022-11-02T15:24:52.136Z",[],"blog/topic/business-travel-spend",[4845,4846,4847],{"path":4843,"name":61,"lang":67,"published":61},{"path":4843,"name":61,"lang":73,"published":61},{"path":4843,"name":61,"lang":75,"published":61},{"name":936,"created_at":4424,"published_at":4425,"updated_at":4426,"id":4427,"uuid":4428,"content":4849,"slug":4431,"full_slug":4432,"sort_by_date":61,"position":4433,"tag_list":4850,"is_startpage":29,"parent_id":2417,"meta_data":61,"group_id":4435,"first_published_at":4436,"release_id":61,"lang":67,"path":61,"alternates":4851,"default_full_slug":4438,"translated_slugs":4852,"_stopResolving":76},{"_uid":4430,"name":936,"component":2412},[],[],[4853,4854,4855],{"path":4438,"name":61,"lang":67,"published":61},{"path":4438,"name":61,"lang":73,"published":61},{"path":4438,"name":61,"lang":75,"published":61},{"name":782,"created_at":783,"published_at":6,"updated_at":784,"id":785,"uuid":786,"content":4857,"slug":794,"full_slug":795,"sort_by_date":61,"position":796,"tag_list":4859,"is_startpage":29,"parent_id":798,"meta_data":61,"group_id":799,"first_published_at":800,"release_id":61,"lang":67,"path":61,"alternates":4860,"default_full_slug":802,"translated_slugs":4861,"_stopResolving":76},{"_uid":788,"icon":4858,"name":782,"component":793},{"id":790,"alt":791,"name":23,"focus":23,"title":23,"filename":792,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[4862,4863,4864],{"path":802,"name":61,"lang":67,"published":61},{"path":802,"name":61,"lang":73,"published":61},{"path":802,"name":61,"lang":75,"published":61},[67],[4867],{"_uid":4868,"asset":4869,"caption":23,"component":816},"c7fe3fee-a188-4f91-a3ba-d805d43b61bf",{"id":2945,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":2946,"copyright":23,"fieldtype":28,"meta_data":4870,"is_external_url":29},{},[],"TVA récupérable sur les notes de frais, carburant, repas, hôtels et déplacements. Découvrez les règles, justificatifs et taux à appliquer.\n",[],[4875],{"cta":4876,"_uid":4877,"items":4878,"heading":4989,"reverse":29,"component":2389,"sectionSettings":5015},[],"e9d37a96-44fc-4d10-b523-ff248402d8b0",[4879,4905,4947,4968],{"_uid":4880,"hide":29,"title":4881,"component":2253,"description":4882},"02bf9357-f860-46bf-9da6-3719e593f237","Peut-on récupérer la TVA sur le carburant ?",{"type":52,"attrs":4883,"content":4884},{"backgroundColor":61},[4885,4895,4900],{"type":55,"attrs":4886,"content":4887},{"textAlign":61},[4888,4890,4894],{"text":4889,"type":59},"Oui, mais le taux dépend ",{"text":4891,"type":59,"marks":4892},"du carburant et du type de véhicule",[4893],{"type":199},{"text":3283,"type":59},{"type":55,"attrs":4896,"content":4897},{"textAlign":61},[4898],{"text":4899,"type":59},"La récupération atteint généralement 80 % pour l’essence et le gazole utilisés avec un véhicule de tourisme, contre 100 % pour un véhicule utilitaire.",{"type":55,"attrs":4901,"content":4902},{"textAlign":61},[4903],{"text":4904,"type":59},"Le GPL liquéfié, le GNV et l’électricité ouvrent droit à une récupération de 100 % dans les deux cas. Le GPL à l’état gazeux reste plafonné à 50 % pour les véhicules de tourisme.",{"_uid":4906,"hide":29,"title":4907,"component":2253,"description":4908},"2fd750d5-70f9-4962-b8df-b74b08675515","Quels repas permettent de récupérer la TVA ?",{"type":52,"attrs":4909,"content":4910},{"backgroundColor":61},[4911,4916,4921,4937],{"type":55,"attrs":4912,"content":4913},{"textAlign":61},[4914],{"text":4915,"type":59},"Les repas professionnels peuvent ouvrir droit à récupération, à condition d’être justifiés et engagés dans l’intérêt de l’entreprise.",{"type":55,"attrs":4917,"content":4918},{"textAlign":61},[4919],{"text":4920,"type":59},"La TVA s’élève généralement à :",{"type":140,"content":4922},[4923,4930],{"type":143,"content":4924},[4925],{"type":55,"attrs":4926,"content":4927},{"textAlign":61},[4928],{"text":4929,"type":59},"10 % sur la nourriture ;",{"type":143,"content":4931},[4932],{"type":55,"attrs":4933,"content":4934},{"textAlign":61},[4935],{"text":4936,"type":59},"20 % sur les boissons alcoolisées.",{"type":55,"attrs":4938,"content":4939},{"textAlign":61},[4940,4942,4946],{"text":4941,"type":59},"Sous 150 € HT, un ticket détaillé peut suffire dans certains cas. Au-delà, ",{"text":4943,"type":59,"marks":4944},"une facture nominative et détaillée est nécessaire",[4945],{"type":199},{"text":3283,"type":59},{"_uid":4948,"hide":29,"title":4949,"component":2253,"description":4950},"7ac67311-a57d-4e27-b697-657494958f30","La TVA sur les nuits d’hôtel est-elle récupérable ?",{"type":52,"attrs":4951,"content":4952},{"backgroundColor":61},[4953,4958],{"type":55,"attrs":4954,"content":4955},{"textAlign":61},[4956],{"text":4957,"type":59},"Non, la TVA sur l’hébergement des salariés et des dirigeants n’est généralement pas récupérable.",{"type":55,"attrs":4959,"content":4960},{"textAlign":61},[4961,4963,4967],{"text":4962,"type":59},"Elle peut en revanche être déduite lorsqu’il s’agit de l’hébergement d’un client ou d’un fournisseur invité. Le petit-déjeuner peut également ouvrir droit à récupération ",{"text":4964,"type":59,"marks":4965},"s’il apparaît sur une ligne distincte de la facture",[4966],{"type":199},{"text":3283,"type":59},{"_uid":4969,"hide":29,"title":4970,"component":2253,"description":4971},"bc3c1a3b-4281-4d74-a3d3-33d2f363d54a","Récupère-t-on la TVA sur les indemnités kilométriques ?",{"type":52,"attrs":4972,"content":4973},{"backgroundColor":61},[4974,4979],{"type":55,"attrs":4975,"content":4976},{"textAlign":61},[4977],{"text":4978,"type":59},"Non. Les indemnités kilométriques sont versées sous forme de forfait et ne comportent donc pas de TVA récupérable.",{"type":55,"attrs":4980,"content":4981},{"textAlign":61},[4982,4984,4988],{"text":4983,"type":59},"En revanche, les péages et les parkings payés au réel peuvent rester déductibles lorsqu’ils sont liés à un déplacement professionnel et accompagnés ",{"text":4985,"type":59,"marks":4986},"d’un justificatif conforme",[4987],{"type":199},{"text":3283,"type":59},[4990],{"cta":4991,"_uid":4992,"title":4993,"eyebrow":5003,"subtitle":5010,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":5013,"sectionSettings":5014,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"2090cd20-5870-4c33-823b-d20e17df5d0c",{"type":52,"attrs":4994,"content":4995},{"backgroundColor":61},[4996],{"type":112,"attrs":4997,"content":4998},{"level":114,"textAlign":61},[4999],{"text":5000,"type":59,"marks":5001},"Questions fréquentes sur la TVA récupérable des notes de frais",[5002],{"type":199},{"type":52,"attrs":5004,"content":5005},{"backgroundColor":61},[5006],{"type":55,"attrs":5007,"content":5008},{"textAlign":61},[5009],{"text":1131,"type":59},{"type":52,"content":5011},[5012],{"type":55},[],[],[],"tva-recuperable","fr/blog/tva-recuperable",-3110,[],"f6a8b1ef-2bfc-4c59-b5f1-dda90984ffcd",[],"blog/tva-recuperable",[5024,5025,5026],{"path":5022,"name":61,"lang":67,"published":61},{"path":5022,"name":61,"lang":73,"published":61},{"path":5022,"name":61,"lang":75,"published":61},[5028,5029,5030,5031],["Reactive",3364],["Reactive",3903],["Reactive",4413],["Reactive",2748],1791274872697]