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Le matin, il paie une pièce détachée avec la carte d’entreprise enregistrée dans Apple Pay. 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",{"text":613,"type":233,"marks":614},"Le numéro réel de la carte n’est ni transmis au commerçant ni stocké sur les serveurs d’Apple.",[615],{"type":288},{"type":227,"attrs":617,"content":619},{"textAlign":26,"key":618},"p-30",[620],{"text":621,"type":233},"Apple Pay fonctionne également dans les applications et sur le web. Un office manager peut ainsi régler un abonnement logiciel ou une commande fournisseur depuis son Mac avec la même carte d’entreprise.",{"type":317,"attrs":623,"content":625},{"level":624,"textAlign":26},3,[626],{"text":627,"type":233},"Quels plafonds s’appliquent avec Apple Pay ?",{"type":227,"attrs":629,"content":631},{"textAlign":26,"key":630},"p-31",[632],{"text":633,"type":233},"Les limites définies par l’émetteur de la carte continuent généralement de s’appliquer lorsque celle-ci est utilisée via Apple Pay.",{"type":227,"attrs":635,"content":637},{"textAlign":26,"key":636},"p-32",[638,640,647],{"text":639,"type":233},"Au-delà de 50 €, une carte physique peut demander la saisie du code confidentiel. Avec Apple Pay, les règles peuvent varier selon l’émetteur et le commerçant. Notre guide sur les ",{"text":641,"type":233,"marks":642},"plafonds Apple Pay",[643,646],{"type":347,"attrs":644},{"href":645,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.spendesk.com/fr/blog/plafond-apple-pay/",{"type":288},{"text":648,"type":233}," détaille ces situations.",{"type":227,"attrs":650,"content":652},{"textAlign":26,"key":651},"p-33",[653,655,662],{"text":654,"type":233},"Si votre entreprise utilise déjà des ",{"text":656,"type":233,"marks":657},"plafonds et contrôles sur ses cartes",[658,661],{"type":347,"attrs":659},{"href":660,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.spendesk.com/fr/blog/plafonds-et-controle-des-cartes-entreprise/",{"type":288},{"text":663,"type":233},", vérifiez simplement auprès de l’émetteur qu’ils restent actifs avec Apple Pay.",{"type":227,"attrs":665,"content":667},{"textAlign":26,"key":666},"p-34",[668,670],{"text":669,"type":233},"Une assistante de direction qui doit acheter en urgence un billet de train à 89 € peut ainsi payer depuis son iPhone avec la carte de son équipe. ",{"text":671,"type":233,"marks":672},"La dépense reste rattachée à cette carte et à ses limites habituelles.",[673],{"type":288},{"type":227,"attrs":675,"content":677},{"textAlign":26,"key":676},"p-35",[678,680,687],{"text":679,"type":233},"Chez Spendesk, les cartes physiques ainsi que les cartes virtuelles récurrentes ou multi-usages peuvent être ajoutées à Apple Pay. Les cartes virtuelles à usage unique ",{"text":681,"type":233,"marks":682},"ne sont pas compatibles",[683],{"type":347,"attrs":684},{"href":685,"uuid":26,"anchor":26,"target":686,"linktype":212},"https://helpcenter.spendesk.com/fr/articles/10430457-ajouter-votre-carte-spendesk-a-apple-wallet-et-a-apple-watch","_self",{"text":371,"type":233},{"type":317,"attrs":689,"content":690},{"level":319,"textAlign":26},[691],{"text":692,"type":233},"Comment encaisser un client avec Tap to Pay sur iPhone ?",{"type":227,"attrs":694,"content":695},{"textAlign":26,"key":229},[696],{"text":697,"type":233,"marks":698},"Tap to Pay permet d’accepter un paiement sans contact directement sur un iPhone, sans terminal de paiement électronique supplémentaire.",[699],{"type":288},{"type":227,"attrs":701,"content":702},{"textAlign":26,"key":293},[703],{"text":704,"type":233},"Selon Apple, il faut 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Une organisatrice de salon peut, par exemple, équiper plusieurs collègues d’iPhone compatibles pour encaisser les entrées directement à l’accueil.",{"type":317,"attrs":850,"content":851},{"level":319,"textAlign":26},[852],{"text":853,"type":233},"Quels prestataires proposent Tap to Pay sur iPhone en France ?",{"type":227,"attrs":855,"content":856},{"textAlign":26,"key":508},[857],{"text":858,"type":233,"marks":859},"Tap to Pay est proposé en France par plusieurs banques et prestataires de paiement, dont Stripe, Adyen, SumUp, Viva.com, Revolut, Square, Mollie et Worldline.",[860],{"type":288},{"type":227,"attrs":862,"content":863},{"textAlign":26,"key":519},[864,866,872],{"text":865,"type":233},"Apple tient à jour la ",{"text":867,"type":233,"marks":868},"liste des prestataires compatibles",[869],{"type":347,"attrs":870},{"href":871,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://developer.apple.com/tap-to-pay/regions/",{"text":371,"type":233},{"type":227,"attrs":874,"content":875},{"textAlign":26,"key":528},[876],{"text":877,"type":233},"On y trouve notamment :",{"type":879,"content":880},"bullet_list",[881,888,895,902,909,916,923,930,937,944,951,958,965,972],{"type":711,"content":882},[883],{"type":227,"attrs":884,"content":885},{"textAlign":26,"key":539},[886],{"text":887,"type":233},"Stripe ;",{"type":711,"content":889},[890],{"type":227,"attrs":891,"content":892},{"textAlign":26,"key":550},[893],{"text":894,"type":233},"Adyen ;",{"type":711,"content":896},[897],{"type":227,"attrs":898,"content":899},{"textAlign":26,"key":559},[900],{"text":901,"type":233},"SumUp ;",{"type":711,"content":903},[904],{"type":227,"attrs":905,"content":906},{"textAlign":26,"key":565},[907],{"text":908,"type":233},"Viva.com ;",{"type":711,"content":910},[911],{"type":227,"attrs":912,"content":913},{"textAlign":26,"key":571},[914],{"text":915,"type":233},"myPOS ;",{"type":711,"content":917},[918],{"type":227,"attrs":919,"content":920},{"textAlign":26,"key":587},[921],{"text":922,"type":233},"Revolut ;",{"type":711,"content":924},[925],{"type":227,"attrs":926,"content":927},{"textAlign":26,"key":595},[928],{"text":929,"type":233},"Square ;",{"type":711,"content":931},[932],{"type":227,"attrs":933,"content":934},{"textAlign":26,"key":601},[935],{"text":936,"type":233},"Mollie ;",{"type":711,"content":938},[939],{"type":227,"attrs":940,"content":941},{"textAlign":26,"key":618},[942],{"text":943,"type":233},"PayPal ;",{"type":711,"content":945},[946],{"type":227,"attrs":947,"content":948},{"textAlign":26,"key":630},[949],{"text":950,"type":233},"Payplug ;",{"type":711,"content":952},[953],{"type":227,"attrs":954,"content":955},{"textAlign":26,"key":636},[956],{"text":957,"type":233},"Worldline ;",{"type":711,"content":959},[960],{"type":227,"attrs":961,"content":962},{"textAlign":26,"key":651},[963],{"text":964,"type":233},"Stancer ;",{"type":711,"content":966},[967],{"type":227,"attrs":968,"content":969},{"textAlign":26,"key":666},[970],{"text":971,"type":233},"Market Pay ;",{"type":711,"content":973},[974],{"type":227,"attrs":975,"content":976},{"textAlign":26,"key":676},[977],{"text":978,"type":233},"Yavin.",{"type":227,"attrs":980,"content":982},{"textAlign":26,"key":981},"p-36",[983],{"text":984,"type":233},"Plusieurs banques proposent également le service, notamment BNP Paribas, Banque Populaire, Caisse d’Épargne, Crédit Mutuel et Crédit Coopératif.",{"type":227,"attrs":986,"content":988},{"textAlign":26,"key":987},"p-37",[989],{"text":990,"type":233},"Le meilleur choix dépend surtout de votre organisation :",{"type":879,"content":992},[993,1005,1017],{"type":711,"content":994},[995],{"type":227,"attrs":996,"content":998},{"textAlign":26,"key":997},"p-38",[999,1003],{"text":1000,"type":233,"marks":1001},"Vous travaillez déjà avec une banque compatible",[1002],{"type":288},{"text":1004,"type":233}," : commencez par regarder son offre pour centraliser les encaissements.",{"type":711,"content":1006},[1007],{"type":227,"attrs":1008,"content":1010},{"textAlign":26,"key":1009},"p-39",[1011,1015],{"text":1012,"type":233,"marks":1013},"Vous avez besoin d’une intégration avec une application ou un logiciel de caisse",[1014],{"type":288},{"text":1016,"type":233}," : des acteurs comme Stripe ou Adyen proposent des outils de développement dédiés.",{"type":711,"content":1018},[1019],{"type":227,"attrs":1020,"content":1022},{"textAlign":26,"key":1021},"p-40",[1023,1027],{"text":1024,"type":233,"marks":1025},"Vous encaissez de petits volumes",[1026],{"type":288},{"text":1028,"type":233}," : une offre sans abonnement peut limiter les coûts fixes.",{"type":227,"attrs":1030,"content":1032},{"textAlign":26,"key":1031},"p-41",[1033,1035],{"text":1034,"type":233},"Ne comparez pas uniquement les commissions. ",{"text":1036,"type":233,"marks":1037},"Le délai de versement, la qualité des relevés et l’export comptable auront également un impact direct sur le travail de la Finance.",[1038],{"type":288},{"type":317,"attrs":1040,"content":1041},{"level":319,"textAlign":26},[1042],{"text":1043,"type":233},"Combien coûte Tap to Pay sur iPhone ?",{"type":227,"attrs":1045,"content":1047},{"textAlign":26,"key":1046},"p-42",[1048],{"text":1049,"type":233,"marks":1050},"Apple ne facture pas directement Tap to Pay au commerçant. Les frais sont ceux du prestataire de paiement choisi.",[1051],{"type":288},{"type":227,"attrs":1053,"content":1055},{"textAlign":26,"key":1054},"p-43",[1056,1058,1064,1066,1070],{"text":1057,"type":233},"Chez Stripe, la ",{"text":1059,"type":233,"marks":1060},"grille tarifaire",[1061],{"type":347,"attrs":1062},{"href":1063,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://stripe.com/fr/pricing",{"text":1065,"type":233}," indique ",{"text":1067,"type":233,"marks":1068},"1,4 % + 0,10 € par transaction",[1069],{"type":288},{"text":1071,"type":233}," pour une carte de l’Espace économique européen, auxquels s’ajoutent 0,10 € par autorisation Tap to Pay.",{"type":227,"attrs":1073,"content":1075},{"textAlign":26,"key":1074},"p-44",[1076,1078,1084,1086,1090,1092,1096],{"text":1077,"type":233},"Chez SumUp, la ",{"text":1079,"type":233,"marks":1080},"tarification",[1081],{"type":347,"attrs":1082},{"href":1083,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.sumup.com/fr-fr/tarifs/",{"text":1085,"type":233}," est de ",{"text":1087,"type":233,"marks":1088},"1,75 % sans abonnement",[1089],{"type":288},{"text":1091,"type":233},", ou ",{"text":1093,"type":233,"marks":1094},"0,89 % avec un abonnement à 19 € par mois",[1095],{"type":288},{"text":371,"type":233},{"type":227,"attrs":1098,"content":1100},{"textAlign":26,"key":1099},"p-45",[1101],{"text":1102,"type":233},"Ces tarifs ont été consultés en octobre 2026 et peuvent évoluer.",{"type":317,"attrs":1104,"content":1105},{"level":624,"textAlign":26},[1106],{"text":1107,"type":233},"À partir de quel volume un abonnement devient-il intéressant ?",{"type":227,"attrs":1109,"content":1111},{"textAlign":26,"key":1110},"p-46",[1112,1114,1118],{"text":1113,"type":233},"Prenons un professionnel qui encaisse ",{"text":1115,"type":233,"marks":1116},"3 000 € par mois",[1117],{"type":288},{"text":371,"type":233},{"type":227,"attrs":1120,"content":1122},{"textAlign":26,"key":1121},"p-47",[1123],{"text":1124,"type":233},"Sans abonnement chez SumUp :",{"type":227,"attrs":1126,"content":1128},{"textAlign":26,"key":1127},"p-48",[1129],{"text":1130,"type":233,"marks":1131},"3 000 € × 1,75 % = 52,50 € de commissions",[1132],{"type":288},{"type":227,"attrs":1134,"content":1136},{"textAlign":26,"key":1135},"p-49",[1137],{"text":1138,"type":233},"Avec l’abonnement :",{"type":227,"attrs":1140,"content":1142},{"textAlign":26,"key":1141},"p-50",[1143],{"text":1144,"type":233,"marks":1145},"3 000 € × 0,89 % = 26,70 €",[1146],{"type":288},{"type":227,"attrs":1148,"content":1150},{"textAlign":26,"key":1149},"p-51",[1151],{"text":1152,"type":233},"À cela s’ajoutent 19 € d’abonnement, soit un total de :",{"type":227,"attrs":1154,"content":1156},{"textAlign":26,"key":1155},"p-52",[1157],{"text":1158,"type":233,"marks":1159},"45,70 € par mois",[1160],{"type":288},{"type":227,"attrs":1162,"content":1164},{"textAlign":26,"key":1163},"p-53",[1165,1167,1171],{"text":1166,"type":233},"Dans cet exemple, l’abonnement revient donc moins cher. SumUp indique un seuil de rentabilité autour de ",{"text":1168,"type":233,"marks":1169},"2 600 € d’encaissements mensuels",[1170],{"type":288},{"text":371,"type":233},{"type":227,"attrs":1173,"content":1175},{"textAlign":26,"key":1174},"p-54",[1176],{"text":1177,"type":233},"Le bon calcul dépend toutefois de vos propres volumes.",{"type":317,"attrs":1179,"content":1180},{"level":319,"textAlign":26},[1181],{"text":1182,"type":233},"Quels justificatifs conserver pour Apple Pay et Tap to Pay ?",{"type":227,"attrs":1184,"content":1186},{"textAlign":26,"key":1185},"p-55",[1187],{"text":1188,"type":233,"marks":1189},"Apple Pay et Tap to Pay ne remplacent ni les factures fournisseurs ni les relevés nécessaires à la comptabilité.",[1190],{"type":288},{"type":227,"attrs":1192,"content":1194},{"textAlign":26,"key":1193},"p-56",[1195,1197,1204],{"text":1196,"type":233},"Pour une dépense payée avec Apple Pay, la ",{"text":1198,"type":233,"marks":1199},"facture ou le ticket du commerçant",[1200,1203],{"type":347,"attrs":1201},{"href":1202,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.spendesk.com/fr/blog/justificatif-note-de-frais/",{"type":288},{"text":1205,"type":233}," reste le justificatif à conserver.",{"type":227,"attrs":1207,"content":1209},{"textAlign":26,"key":1208},"p-57",[1210,1212,1219],{"text":1211,"type":233},"La notification Apple Pay confirme qu’un paiement a eu lieu, mais elle ne remplace pas la facture nécessaire pour ",{"text":1213,"type":233,"marks":1214},"récupérer la TVA",[1215,1218],{"type":347,"attrs":1216},{"href":1217,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.spendesk.com/fr/blog/recuperation-tva/",{"type":288},{"text":371,"type":233},{"type":227,"attrs":1221,"content":1223},{"textAlign":26,"key":1222},"p-58",[1224,1226,1233],{"text":1225,"type":233},"Le BOFiP rappelle que la TVA n’est déductible que si elle figure sur une facture comportant les ",{"text":1227,"type":233,"marks":1228},"mentions obligatoires",[1229,1232],{"type":347,"attrs":1230},{"href":1231,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.economie.gouv.fr/entreprises/gerer-son-entreprise-au-quotidien/gerer-sa-comptabilite-et-ses-demarches/mentions-obligatoires-dune-facture-tout-savoir",{"type":288},{"text":371,"type":233},{"type":317,"attrs":1235,"content":1236},{"level":624,"textAlign":26},[1237],{"text":1238,"type":233},"Comment comptabiliser un encaissement Tap to Pay ?",{"type":227,"attrs":1240,"content":1242},{"textAlign":26,"key":1241},"p-59",[1243,1245,1249],{"text":1244,"type":233},"Pour un encaissement, il faut distinguer ",{"text":1246,"type":233,"marks":1247},"le montant payé par le client, les commissions du prestataire et le montant effectivement versé sur votre compte",[1248],{"type":288},{"text":371,"type":233},{"type":227,"attrs":1251,"content":1253},{"textAlign":26,"key":1252},"p-60",[1254],{"text":1255,"type":233},"Si les ventes représentent 2 000 € et que le prestataire verse 1 958 €, les 42 € restants ne constituent pas un écart inexpliqué.",{"type":227,"attrs":1257,"content":1259},{"textAlign":26,"key":1258},"p-61",[1260],{"text":1261,"type":233},"La comptabilité enregistre :",{"type":879,"content":1263},[1264,1275,1286],{"type":711,"content":1265},[1266],{"type":227,"attrs":1267,"content":1269},{"textAlign":26,"key":1268},"p-62",[1270,1274],{"text":1271,"type":233,"marks":1272},"2 000 € de ventes",[1273],{"type":288},{"text":723,"type":233},{"type":711,"content":1276},[1277],{"type":227,"attrs":1278,"content":1280},{"textAlign":26,"key":1279},"p-63",[1281,1285],{"text":1282,"type":233,"marks":1283},"42 € de commissions",[1284],{"type":288},{"text":723,"type":233},{"type":711,"content":1287},[1288],{"type":227,"attrs":1289,"content":1291},{"textAlign":26,"key":1290},"p-64",[1292,1296],{"text":1293,"type":233,"marks":1294},"1 958 € versés sur le compte",[1295],{"type":288},{"text":371,"type":233},{"type":227,"attrs":1298,"content":1300},{"textAlign":26,"key":1299},"p-65",[1301,1303,1310],{"text":1302,"type":233},"Le ",{"text":1304,"type":233,"marks":1305},"rapprochement bancaire",[1306,1309],{"type":347,"attrs":1307},{"href":1308,"uuid":26,"anchor":26,"target":26,"linktype":212},"https://www.spendesk.com/fr/blog/rapprochement-bancaire/",{"type":288},{"text":1311,"type":233}," repose alors sur le relevé du prestataire et le relevé bancaire.",{"type":227,"attrs":1313,"content":1315},{"textAlign":26,"key":1314},"p-66",[1316,1318,1322],{"text":1317,"type":233},"Service-Public indique que les pièces comptables doivent être conservées pendant ",{"text":1319,"type":233,"marks":1320},"10 ans",[1321],{"type":288},{"text":1323,"type":233},". La durée applicable aux documents fiscaux évolue également avec la loi du 25 juin 2026.",{"type":227,"attrs":1325,"content":1327},{"textAlign":26,"key":1326},"p-67",[1328,1330,1337],{"text":1329,"type":233},"Côté dépenses, l’idéal reste de récupérer le justificatif immédiatement après le paiement. Avec ",{"text":1331,"type":233,"marks":1332},"l’application mobile Spendesk",[1333,1336],{"type":347,"attrs":1334},{"href":1335,"uuid":26,"anchor":26,"target":686,"linktype":212},"https://helpcenter.spendesk.com/fr/articles/4110812-joindre-votre-recu-a-un-paiement-par-carte",{"type":288},{"text":1338,"type":233},", le collaborateur peut photographier son reçu juste après l’achat et l’associer directement à la transaction.",{"type":317,"attrs":1340,"content":1341},{"level":319,"textAlign":26},[1342],{"text":1343,"type":233},"Apple Pay et Tap to Pay sont-ils sécurisés pour une utilisation professionnelle ?",{"type":227,"attrs":1345,"content":1347},{"textAlign":26,"key":1346},"p-68",[1348],{"text":1349,"type":233,"marks":1350},"Apple Pay et Tap to Pay intègrent plusieurs niveaux de sécurité, mais les entreprises doivent aussi contrôler les cartes, les accès et les droits de leurs collaborateurs.",[1351],{"type":288},{"type":227,"attrs":1353,"content":1355},{"textAlign":26,"key":1354},"p-69",[1356],{"text":1357,"type":233},"Avec Apple Pay, chaque paiement est validé par Face ID, Touch ID ou le code de l’appareil.",{"type":227,"attrs":1359,"content":1361},{"textAlign":26,"key":1360},"p-70",[1362],{"text":1363,"type":233},"Avec Tap to Pay, les transactions sont chiffrées et traitées via le Secure Element. Apple indique ne pas connaître ce qui a été acheté ni l’identité de la personne ayant effectué le paiement.",{"type":227,"attrs":1365,"content":1367},{"textAlign":26,"key":1366},"p-71",[1368,1370,1375],{"text":1369,"type":233},"Les numéros de carte ne sont pas conservés sur les serveurs Apple. En mode ",{"text":1371,"type":233,"marks":1372},"Store and Forward",[1373],{"type":1374},"italic",{"text":1376,"type":233},", certaines données chiffrées peuvent toutefois être stockées temporairement sur l’appareil.",{"type":227,"attrs":1378,"content":1380},{"textAlign":26,"key":1379},"p-72",[1381],{"text":1382,"type":233},"Et pendant une transaction Tap to Pay, Apple indique également que l’iPhone bloque la caméra et les captures d’écran, tandis que le code saisi par le client reste inaccessible au commerçant.",{"type":317,"attrs":1384,"content":1385},{"level":624,"textAlign":26},[1386],{"text":1387,"type":233},"Comment sécuriser les usages lorsque plusieurs collaborateurs utilisent leur iPhone ?",{"type":227,"attrs":1389,"content":1391},{"textAlign":26,"key":1390},"p-73",[1392],{"text":1393,"type":233},"Pour les encaissements, les droits d’accès et l’identification des utilisateurs dépendent du prestataire.",{"type":227,"attrs":1395,"content":1397},{"textAlign":26,"key":1396},"p-74",[1398],{"text":1399,"type":233},"Pour les dépenses, les contrôles peuvent être appliqués directement aux cartes :",{"type":879,"content":1401},[1402,1410,1418,1426,1434],{"type":711,"content":1403},[1404],{"type":227,"attrs":1405,"content":1407},{"textAlign":26,"key":1406},"p-75",[1408],{"text":1409,"type":233},"plafond par carte ;",{"type":711,"content":1411},[1412],{"type":227,"attrs":1413,"content":1415},{"textAlign":26,"key":1414},"p-76",[1416],{"text":1417,"type":233},"budget par collaborateur ;",{"type":711,"content":1419},[1420],{"type":227,"attrs":1421,"content":1423},{"textAlign":26,"key":1422},"p-77",[1424],{"text":1425,"type":233},"restrictions d’utilisation ;",{"type":711,"content":1427},[1428],{"type":227,"attrs":1429,"content":1431},{"textAlign":26,"key":1430},"p-78",[1432],{"text":1433,"type":233},"gel immédiat de la carte ;",{"type":711,"content":1435},[1436],{"type":227,"attrs":1437,"content":1439},{"textAlign":26,"key":1438},"p-79",[1440],{"text":1441,"type":233},"opposition en cas de perte.",{"type":227,"attrs":1443,"content":1445},{"textAlign":26,"key":1444},"p-80",[1446,1448,1452],{"text":1447,"type":233},"Si un commercial oublie son téléphone dans un taxi, personne ne peut valider un paiement Apple Pay sans Face ID, Touch ID ou le code de l’appareil. Son responsable peut néanmoins ",{"text":1449,"type":233,"marks":1450},"geler immédiatement la carte",[1451],{"type":288},{"text":1453,"type":233}," par précaution, puis la réactiver lorsque le téléphone est retrouvé.",{"type":317,"attrs":1455,"content":1456},{"level":319,"textAlign":26},[1457],{"text":1458,"type":233},"Apple Pay ou Tap to Pay : lequel utiliser dans votre entreprise ?",{"type":227,"attrs":1460,"content":1462},{"textAlign":26,"key":1461},"p-81",[1463],{"text":1464,"type":233,"marks":1465},"Utilisez Apple Pay pour permettre à vos collaborateurs de régler des dépenses professionnelles et Tap to Pay pour encaisser les paiements de vos clients.",[1466],{"type":288},{"type":227,"attrs":1468,"content":1470},{"textAlign":26,"key":1469},"p-82",[1471],{"text":1472,"type":233},"Les deux solutions peuvent cohabiter sur les mêmes iPhone, mais elles doivent rester clairement séparées dans vos processus Finance.",{"type":227,"attrs":1474,"content":1476},{"textAlign":26,"key":1475},"p-83",[1477],{"text":1478,"type":233},"Pour les dépenses, concentrez-vous sur :",{"type":879,"content":1480},[1481,1489,1497,1505],{"type":711,"content":1482},[1483],{"type":227,"attrs":1484,"content":1486},{"textAlign":26,"key":1485},"p-84",[1487],{"text":1488,"type":233},"les plafonds ;",{"type":711,"content":1490},[1491],{"type":227,"attrs":1492,"content":1494},{"textAlign":26,"key":1493},"p-85",[1495],{"text":1496,"type":233},"les règles de carte ;",{"type":711,"content":1498},[1499],{"type":227,"attrs":1500,"content":1502},{"textAlign":26,"key":1501},"p-86",[1503],{"text":1504,"type":233},"la collecte des justificatifs ;",{"type":711,"content":1506},[1507],{"type":227,"attrs":1508,"content":1510},{"textAlign":26,"key":1509},"p-87",[1511],{"text":1512,"type":233},"l’export comptable.",{"type":227,"attrs":1514,"content":1516},{"textAlign":26,"key":1515},"p-88",[1517],{"text":1518,"type":233},"Pour les encaissements, vérifiez :",{"type":879,"content":1520},[1521,1529,1537,1545,1553],{"type":711,"content":1522},[1523],{"type":227,"attrs":1524,"content":1526},{"textAlign":26,"key":1525},"p-89",[1527],{"text":1528,"type":233},"les commissions ;",{"type":711,"content":1530},[1531],{"type":227,"attrs":1532,"content":1534},{"textAlign":26,"key":1533},"p-90",[1535],{"text":1536,"type":233},"le délai de versement ;",{"type":711,"content":1538},[1539],{"type":227,"attrs":1540,"content":1542},{"textAlign":26,"key":1541},"p-91",[1543],{"text":1544,"type":233},"les relevés disponibles ;",{"type":711,"content":1546},[1547],{"type":227,"attrs":1548,"content":1550},{"textAlign":26,"key":1549},"p-92",[1551],{"text":1552,"type":233},"la gestion des utilisateurs ;",{"type":711,"content":1554},[1555],{"type":227,"attrs":1556,"content":1558},{"textAlign":26,"key":1557},"p-93",[1559],{"text":1560,"type":233},"la compatibilité avec votre comptabilité.",{"type":227,"attrs":1562,"content":1564},{"textAlign":26,"key":1563},"p-94",[1565,1567],{"text":1566,"type":233},"Le téléphone peut être le même. ",{"text":1568,"type":233,"marks":1569},"Le traitement financier, lui, ne l’est pas.",[1570],{"type":288},{"type":227,"attrs":1572,"content":1574},{"textAlign":26,"key":1573},"p-95",[1575,1579,1581,1587],{"text":1576,"type":233,"marks":1577},"Simplifiez la gestion des paiements professionnels.",[1578],{"type":288},{"text":1580,"type":233}," Avec ",{"text":1582,"type":233,"marks":1583},"Spendesk",[1584],{"type":347,"attrs":1585},{"href":1586,"uuid":26,"anchor":26,"target":686,"linktype":212},"https://www.spendesk.com/fr/",{"text":1588,"type":233},", vos équipes peuvent utiliser leurs cartes d’entreprise depuis Apple Pay tout en conservant les plafonds, les contrôles et le suivi nécessaires à la Finance.",{"name":1590,"created_at":1591,"published_at":16,"updated_at":1592,"id":1593,"uuid":1594,"content":1595,"slug":1602,"full_slug":1603,"sort_by_date":26,"position":27,"tag_list":1604,"is_startpage":29,"parent_id":1605,"meta_data":26,"group_id":1606,"first_published_at":1607,"release_id":26,"lang":33,"path":26,"alternates":1608,"default_full_slug":1609,"translated_slugs":1610,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1596,"icon":1597,"name":1590,"component":1601},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1598,"alt":1599,"name":52,"focus":52,"title":52,"filename":1600,"copyright":52,"fieldtype":208,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1611,1612,1613],{"path":1609,"name":26,"lang":33,"published":26},{"path":1609,"name":26,"lang":39,"published":26},{"path":1609,"name":26,"lang":41,"published":26},[33],[1616],{"_uid":1617,"link":1618,"asset":1621,"caption":52,"component":1626},"3a6a09b1-d003-416b-aa69-c568d7e69778",{"id":52,"url":52,"linktype":1619,"fieldtype":213,"cached_url":1620,"prep":42},"story","/fr/",{"id":1622,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1623,"copyright":52,"fieldtype":208,"meta_data":1624,"is_external_url":29},231669379344130,"https://a.storyblok.com/f/146026/1248x832/4a1037d2d6/apple-pay-et-tap-to-pay-sur-iphone-en-france-pour-les-paiements-professionnels.png",{"size":1625},"1248x832","image",[],"2026-10-17 00:00",[],[],"Découvrez la différence entre Apple Pay et Tap to Pay sur iPhone, leurs frais, usages, justificatifs, limites et règles pour les paiements professionnels.",[],[1634],{"cta":1635,"_uid":1636,"items":1637,"heading":1715,"reverse":29,"component":1740,"sectionSettings":1741},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[1638,1654,1668,1685,1700],{"_uid":1639,"hide":29,"title":1640,"component":1641,"description":1642},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?","faqItem",{"type":224,"attrs":1643,"content":1644},{"backgroundColor":26},[1645],{"type":227,"attrs":1646,"content":1647},{"textAlign":26,"key":229},[1648,1652],{"text":1649,"type":233,"marks":1650},"Oui, par l’intermédiaire du prestataire de paiement.",[1651],{"type":288},{"text":1653,"type":233}," 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":1655,"hide":29,"title":819,"component":1641,"description":1656},"04a61e09-88b1-4970-a50b-47064edbcf97",{"type":224,"attrs":1657,"content":1658},{"backgroundColor":26},[1659],{"type":227,"attrs":1660,"content":1661},{"textAlign":26,"key":229},[1662,1666],{"text":1663,"type":233,"marks":1664},"Oui.",[1665],{"type":288},{"text":1667,"type":233}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":1669,"hide":29,"title":1670,"component":1641,"description":1671},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":224,"attrs":1672,"content":1673},{"backgroundColor":26},[1674],{"type":227,"attrs":1675,"content":1676},{"textAlign":26,"key":229},[1677,1679,1683],{"text":1678,"type":233},"Il faut au minimum ",{"text":1680,"type":233,"marks":1681},"un compte marchand auprès d’un prestataire compatible",[1682],{"type":288},{"text":1684,"type":233},", qui collecte les paiements puis reverse les fonds à votre entreprise. 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Contrairement aux cartes bancaires classiques, vous savez en temps réel qui dépense quoi.",{"type":227,"content":3284},[3285],{"text":3286,"type":233},"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":227,"content":3288},[3289],{"text":3290,"type":233},"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":227,"content":3292},[3293],{"text":3294,"type":233},"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":227,"content":3296},[3297],{"text":3298,"type":233},"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":227,"content":3300},[3301],{"text":3302,"type":233},"Spendesk fluidifie l'ensemble du processus de gestion des dépenses de l'entreprise, 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comment choisir une carte virtuelle d’entreprise selon vos usages, vos besoins de contrôle, de sécurité et de suivi des dépenses.",[],[3493],{"cta":3494,"_uid":3495,"items":3496,"heading":3605,"reverse":29,"component":1740,"sectionSettings":3629},[],"c9d565f8-622e-4891-aaa4-c6e1283b588e",[3497,3514,3531,3546,3565,3588],{"_uid":3498,"hide":29,"title":3499,"component":1641,"description":3500},"84902400-0416-4c40-932b-874b0ac98008","Quels services de cartes virtuelles choisir pour une utilisation quotidienne en entreprise ?",{"type":224,"attrs":3501,"content":3502},{"backgroundColor":26},[3503],{"type":227,"attrs":3504,"content":3505},{"textAlign":26},[3506,3508,3512],{"text":3507,"type":233},"Pour un usage individuel, ",{"text":3509,"type":233,"marks":3510},"une application grand public ou une e-carte bancaire peut suffire",[3511],{"type":288},{"text":3513,"type":233},". 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":3515,"hide":29,"title":3516,"component":1641,"description":3517},"1168181e-92ab-46a6-a556-f60c04bd4385","Une carte virtuelle d’entreprise est-elle payante ?",{"type":224,"attrs":3518,"content":3519},{"backgroundColor":26},[3520],{"type":227,"attrs":3521,"content":3522},{"textAlign":26},[3523,3525,3529],{"text":3524,"type":233},"Cela dépend de l’émetteur. Certaines banques proposent gratuitement leur e-carte, tandis que d’autres la facturent jusqu’à ",{"text":3526,"type":233,"marks":3527},"15 € par an",[3528],{"type":288},{"text":3530,"type":233}," selon Les clés de la banque. Sur une plateforme de gestion des dépenses, les cartes sont généralement comprises dans l’offre souscrite.",{"_uid":3532,"hide":29,"title":3533,"component":1641,"description":3534},"99170121-db37-46d6-aa43-d37003327a29","Peut-on payer un hôtel ou une location de voiture avec une carte virtuelle ?",{"type":224,"attrs":3535,"content":3536},{"backgroundColor":26},[3537],{"type":227,"attrs":3538,"content":3539},{"textAlign":26},[3540,3544],{"text":3541,"type":233,"marks":3542},"Pas toujours.",[3543],{"type":288},{"text":3545,"type":233}," 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":3547,"hide":29,"title":3548,"component":1641,"description":3549},"5aa48a97-db1e-4a06-99e3-4338778ab467","Une carte virtuelle à usage unique fonctionne-t-elle pour un abonnement ?",{"type":224,"attrs":3550,"content":3551},{"backgroundColor":26},[3552],{"type":227,"attrs":3553,"content":3554},{"textAlign":26},[3555,3558,3560,3564],{"text":1710,"type":233,"marks":3556},[3557],{"type":288},{"text":3559,"type":233}," La carte devient inutilisable après le premier paiement, ce qui ferait échouer le renouvellement suivant. Pour un abonnement, mieux vaut utiliser une ",{"text":3561,"type":233,"marks":3562},"carte réutilisable dédiée au fournisseur",[3563],{"type":288},{"text":371,"type":233},{"_uid":3566,"hide":29,"title":3567,"component":1641,"description":3568},"4fa89413-bd14-4e2a-a25d-87536f74a382","Peut-on être remboursé d’un achat payé avec une carte virtuelle à usage unique ?",{"type":224,"attrs":3569,"content":3570},{"backgroundColor":26},[3571],{"type":227,"attrs":3572,"content":3573},{"textAlign":26},[3574,3578,3580,3586],{"text":3575,"type":233,"marks":3576},"Oui, généralement.",[3577],{"type":288},{"text":3579,"type":233}," Le remboursement est crédité sur le compte auquel la carte était rattachée, même si la carte virtuelle a expiré entre-temps. ",{"text":3581,"type":233,"marks":3582},"BoursoBank",[3583],{"type":347,"attrs":3584},{"href":3585,"uuid":26,"anchor":26,"target":26,"linktype":212},"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":3587,"type":233}," le confirme pour ses propres cartes, mais les conditions peuvent varier selon l’émetteur.",{"_uid":3589,"hide":29,"title":3590,"component":1641,"description":3591},"79186bae-d2cf-4557-bee0-681c2b8fd972","Combien de temps faut-il pour bloquer une carte virtuelle ?",{"type":224,"attrs":3592,"content":3593},{"backgroundColor":26},[3594],{"type":227,"attrs":3595,"content":3596},{"textAlign":26},[3597,3599,3603],{"text":3598,"type":233},"Lorsqu’elle est gérée depuis une application ou une plateforme adaptée, ",{"text":3600,"type":233,"marks":3601},"une carte virtuelle peut être bloquée immédiatement",[3602],{"type":288},{"text":3604,"type":233}," 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.",[3606],{"cta":3607,"_uid":3608,"title":3609,"layout":52,"eyebrow":3617,"subtitle":3624,"component":317,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3627,"sectionSettings":3628,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"c695d847-0451-4ed6-b576-3c33fdfa73f5",{"type":224,"attrs":3610,"content":3611},{"backgroundColor":26},[3612],{"type":317,"attrs":3613,"content":3614},{"level":319,"textAlign":26},[3615],{"text":3616,"type":233},"Questions fréquentes sur les cartes virtuelles 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00:00",[],"Carte carburant ou carte d’entreprise multi-usages, comparez leurs avantages et choisissez la solution adaptée à vos frais de déplacement.\n",[],[3703],{"cta":3704,"_uid":3705,"items":3706,"heading":3805,"reverse":29,"component":1740,"sectionSettings":3831},[],"6edc0361-e9fc-4532-a126-952dc5817fef",[3707,3728,3758,3784],{"_uid":3708,"hide":29,"title":3709,"component":1641,"description":3710},"205ee643-cc5d-4062-845e-f67a9a3fd054","Qu’est-ce qu’une carte essence entreprise ?",{"type":224,"attrs":3711,"content":3712},{"backgroundColor":26},[3713,3723],{"type":227,"attrs":3714,"content":3715},{"textAlign":26},[3716,3718,3722],{"text":3717,"type":233},"Une carte essence entreprise est une carte de paiement restreinte au carburant et à certains services de mobilité. Elle est utilisable dans un réseau de stations partenaires et fonctionne généralement avec ",{"text":3719,"type":233,"marks":3720},"un plafond par conducteur",[3721],{"type":288},{"text":371,"type":233},{"type":227,"attrs":3724,"content":3725},{"textAlign":26},[3726],{"text":3727,"type":233},"Les transactions sont regroupées sur une facture mensuelle unique, ce qui facilite le suivi de la consommation et des dépenses par véhicule.",{"_uid":3729,"hide":29,"title":3730,"component":1641,"description":3731},"91f85fc3-d096-43e9-8fc9-09562af15234","La carte carburant est-elle un avantage en nature imposable ?",{"type":224,"attrs":3732,"content":3733},{"backgroundColor":26},[3734,3747],{"type":227,"attrs":3735,"content":3736},{"textAlign":26},[3737,3739,3746],{"text":3738,"type":233},"Lorsqu’elle est utilisée strictement à des fins professionnelles et que les dépenses sont justifiées, une carte carburant ne constitue pas un ",{"text":3740,"type":233,"marks":3741},"avantage en nature",[3742,3745],{"type":347,"attrs":3743},{"href":3744,"uuid":26,"anchor":26,"target":2792,"linktype":212},"https://www.compta-online.com/avantage-en-nature-vehicule-comment-le-calculer-ao1003",{"type":288},{"text":371,"type":233},{"type":227,"attrs":3748,"content":3749},{"textAlign":26},[3750,3752,3756],{"text":3751,"type":233},"En revanche, un usage personnel non justifié peut être requalifié par l’URSSAF. L’entreprise doit donc définir ",{"text":3753,"type":233,"marks":3754},"des règles d’utilisation claires",[3755],{"type":288},{"text":3757,"type":233}," et conserver les justificatifs nécessaires.",{"_uid":3759,"hide":29,"title":3760,"component":1641,"description":3761},"51402b23-4ddc-40f0-8a73-108a464893a7","Faut-il choisir une carte prépayée ou une carte à facturation différée ?",{"type":224,"attrs":3762,"content":3763},{"backgroundColor":26},[3764,3769,3779],{"type":227,"attrs":3765,"content":3766},{"textAlign":26},[3767],{"text":3768,"type":233},"Une carte prépayée bloque la dépense lorsque le solde disponible est épuisé. Elle facilite le contrôle en amont et peut aider à mieux maîtriser la trésorerie.",{"type":227,"attrs":3770,"content":3771},{"textAlign":26},[3772,3774,3778],{"text":3773,"type":233},"Une carte à facturation différée regroupe les paiements et les facture plus tard, souvent en fin de mois. Elle offre davantage de souplesse, mais demande ",{"text":3775,"type":233,"marks":3776},"un suivi régulier des dépenses engagées",[3777],{"type":288},{"text":371,"type":233},{"type":227,"attrs":3780,"content":3781},{"textAlign":26},[3782],{"text":3783,"type":233},"Le choix dépend donc du niveau de contrôle souhaité et du fonctionnement de votre trésorerie.",{"_uid":3785,"hide":29,"title":3786,"component":1641,"description":3787},"a45eec69-1918-4f34-a61c-7188db47e89a","Comment choisir une carte carburant pour son entreprise ?",{"type":224,"attrs":3788,"content":3789},{"backgroundColor":26},[3790,3795],{"type":227,"attrs":3791,"content":3792},{"textAlign":26},[3793],{"text":3794,"type":233},"Commencez par analyser votre volume de carburant, le nombre de conducteurs et les stations fréquentées. Comparez ensuite le réseau d’acceptation, les remises, les plafonds, les services inclus et les modalités de facturation.",{"type":227,"attrs":3796,"content":3797},{"textAlign":26},[3798,3800,3804],{"text":3799,"type":233},"Si vos salariés règlent aussi des repas, des péages, des hôtels ou des achats professionnels, vérifiez si ",{"text":3801,"type":233,"marks":3802},"une carte multi-usages ne couvrirait pas mieux l’ensemble de vos dépenses",[3803],{"type":288},{"text":371,"type":233},[3806],{"cta":3807,"_uid":3808,"title":3809,"eyebrow":3819,"subtitle":3826,"component":317,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3829,"sectionSettings":3830,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"b7ed469e-2b64-4e07-823e-5f71ef30a4e7",{"type":224,"attrs":3810,"content":3811},{"backgroundColor":26},[3812],{"type":317,"attrs":3813,"content":3814},{"level":319,"textAlign":26},[3815],{"text":3816,"type":233,"marks":3817},"Questions fréquentes sur les cartes carburant et les cartes 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transport employeur : comment gérer frais kilométriques et notes de frais","2026-04-22T10:58:55.038Z","2026-05-28T10:52:43.584Z","2026-05-28T10:52:43.622Z",168615669998442,"31f804b7-ca75-4029-9063-4dbafe83c5f2",{"_uid":3851,"title":3844,"topics":3852,"noIndex":29,"category":3911,"language":3920,"component":1602,"heroMedia":3921,"metaTitle":3929,"publishedAt":3930,"readingTime":3931,"redirectUrl":52,"listingImage":3932,"metaDescription":3933,"bottomArticleCta":3934,"componentsAfterTheArticle":3935},"35725a50-3cdd-4b63-bb97-045589833f70",[3853,3874,3882,3890],{"name":3854,"created_at":3855,"published_at":3856,"updated_at":3857,"id":3858,"uuid":3859,"content":3860,"slug":3862,"full_slug":3863,"sort_by_date":26,"position":3864,"tag_list":3865,"is_startpage":29,"parent_id":269,"meta_data":26,"group_id":3866,"first_published_at":3867,"release_id":26,"lang":33,"path":26,"alternates":3868,"default_full_slug":3869,"translated_slugs":3870,"_stopResolving":42},"Déplacements 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transport employeur : frais kilométriques et notes de frais 2026","2026-04-22 00:00","9",[],"Remboursement transport employeur : comment gérer frais kilométriques, justificatifs, validations et export comptable sans ralentir la clôture ni multiplier les erreurs.",[],[3936],{"_uid":3937,"items":3938,"heading":4024,"component":1740},"2727a452-1dae-4f93-af29-e14e58015d40",[3939,3958,3979,3994,4009],{"_uid":3940,"title":3941,"component":1641,"description":3942},"71cb8c3d-5c7c-416b-98b2-647b54161e30","Comment intégrer les notes de frais dans ma comptabilité avec les outils existants (ERP/logiciels) ?",{"type":224,"content":3943},[3944,3949],{"type":227,"attrs":3945,"content":3946},{"textAlign":26},[3947],{"text":3948,"type":233},"Le premier enjeu est d'éviter la double saisie. Un outil efficace doit permettre de faire remonter les centres de coût, les codes analytiques et les écritures comptables vers votre ERP ou votre logiciel comptable, via des connecteurs, une API ou des exports structurés.",{"type":227,"attrs":3950,"content":3951},{"textAlign":26},[3952,3956],{"text":3953,"type":233,"marks":3954},"Spendesk permet de centraliser les notes de frais dans un cadre plus structuré",[3955],{"type":288},{"text":3957,"type":233},", avec des justificatifs rattachés aux dépenses, des validations tracées, et des exports comptables exploitables pour des outils comme Sage, Cegid ou Pennylane.",{"_uid":3959,"title":3960,"component":1641,"description":3961},"1bf84e68-47e3-4a49-a08b-7975ddfb4820","Expensya vs d'autres applications : laquelle convient le mieux pour une petite entreprise en France ?",{"type":224,"content":3962},[3963,3968],{"type":227,"attrs":3964,"content":3965},{"textAlign":26},[3966],{"text":3967,"type":233},"Pour une petite entreprise, le bon choix dépend moins du nom de l'outil que de quelques critères concrets : la simplicité d'usage, la qualité de l'intégration comptable, la vitesse de traitement, et l'adaptation au cadre français. Il faut notamment vérifier la gestion des justificatifs, la qualité de la traçabilité, les workflows de validation, et la capacité à exporter proprement vers la comptabilité.",{"type":227,"attrs":3969,"content":3970},{"textAlign":26},[3971,3973,3977],{"text":3972,"type":233},"Entre 20 et 100 salariés, un outil correct côté saisie mais faible côté intégration finit souvent par coûter plus cher en temps finance qu'en licence. ",{"text":3974,"type":233,"marks":3975},"Spendesk, par exemple, permet de centraliser les remboursements, les validations et les exports comptables dans un même outil",[3976],{"type":288},{"text":3978,"type":233},", avec des justificatifs rattachés aux dépenses et une traçabilité claire pour l'équipe finance.",{"_uid":3980,"title":3981,"component":1641,"description":3982},"0d15fad4-4265-4ec7-8f62-18cee3e41381","Quel est le meilleur logiciel de gestion des notes de frais pour les petites entreprises en 2026 ?",{"type":224,"content":3983},[3984,3989],{"type":227,"attrs":3985,"content":3986},{"textAlign":26},[3987],{"text":3988,"type":233},"Il n'existe pas de réponse unique, mais les critères de choix sont assez clairs. Pour une petite entreprise, le bon outil doit au minimum couvrir cinq points : la capture mobile des justificatifs, l'OCR, des validations paramétrables, des exports comptables fiables, et une gestion documentaire suffisamment solide pour éviter les reprises manuelles.",{"type":227,"attrs":3990,"content":3991},{"textAlign":26},[3992],{"text":3993,"type":233},"Les indicateurs vraiment utiles sont ceux qui se voient dans l'opérationnel, pas dans le discours marketing. Pour un DAF, un Contrôleur de gestion ou un Responsable comptable, le meilleur logiciel est avant tout celui qui réduit la ressaisie, améliore la qualité des justificatifs, et s'intègre proprement à la comptabilité.",{"_uid":3995,"title":3996,"component":1641,"description":3997},"4ad25c08-56ad-458e-81dc-66fd295adc4f","Existe-t-il des intégrations entre Neo et des solutions de voyage d'entreprise pour les notes de frais ?",{"type":224,"content":3998},[3999,4004],{"type":227,"attrs":4000,"content":4001},{"textAlign":26},[4002],{"text":4003,"type":233},"Sans vérification spécifique, mieux vaut ne pas supposer l'existence d'une intégration précise entre Neo et un outil donné. En revanche, le vrai sujet pour l'entreprise n'est pas seulement la connexion entre deux solutions. C'est de savoir si le flux voyage peut être géré proprement de bout en bout : paiement, validation, collecte des justificatifs, puis remboursement si le salarié a avancé les frais.",{"type":227,"attrs":4005,"content":4006},{"textAlign":26},[4007],{"text":4008,"type":233},"Pour une entreprise de 50 à 250 salariés, cela compte souvent plus qu'une simple intégration isolée. L'enjeu est d'éviter un système pour réserver d'un côté, puis un autre pour retraiter les notes de frais ensuite. Spendesk permet de couvrir ce flux dans un cadre unique, avec cartes physiques ou virtuelles, validation manager, capture mobile des justificatifs, et export comptable. Si vous gérez du volume, il faut aussi regarder la qualité de l'export vers la comptabilité et le niveau de traçabilité conservé à chaque étape.",{"_uid":4010,"title":4011,"component":1641,"description":4012},"1d309dee-4567-460d-aa8a-ccf3d7ad18f8","Comment choisir entre un logiciel de note de frais gratuit et payant ?",{"type":224,"content":4013},[4014,4019],{"type":227,"attrs":4015,"content":4016},{"textAlign":26},[4017],{"text":4018,"type":233},"Le vrai sujet n'est pas le prix affiché à 0 €, mais le coût total du processus. Un outil gratuit peut suffire à une très petite équipe avec peu de notes de frais chaque mois. Mais dès que le volume augmente, les limites apparaissent vite : validations manuelles, exports peu exploitables, justificatifs mal suivis, et plus de reprises côté comptabilité.",{"type":227,"attrs":4020,"content":4021},{"textAlign":26},[4022],{"text":4023,"type":233},"Un outil payant devient rentable à partir du moment où il réduit réellement la charge administrative. Pour un DAF ou un RAF, l'arbitrage est souvent simple : payer pour éviter la ressaisie, fiabiliser les écritures, et raccourcir la clôture coûte généralement moins cher que de laisser la finance absorber les limites d'un outil trop léger.","Questions fréquentes sur les frais 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Découvrez les vrais plafonds pour une carte professionnelle et comment gérer Apple Pay en équipe avec Spendesk.",[],[4112],{"cta":4113,"_uid":4114,"items":4115,"heading":4166,"reverse":29,"component":1740,"sectionSettings":4188},[],"b6f34c2b-bd98-4437-852a-e562c46efead",[4116,4126,4136,4146,4156],{"_uid":4117,"hide":29,"title":4118,"component":1641,"description":4119},"ee0888d0-a12e-4110-aa78-bdc8242c6763","Comment contrôler les dépenses Apple Pay de son équipe ?",{"type":224,"content":4120},[4121],{"type":227,"attrs":4122,"content":4123},{"textAlign":26},[4124],{"text":4125,"type":233},"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":4127,"hide":29,"title":4128,"component":1641,"description":4129},"d96ff3a2-b2ef-4a39-a898-935e9f848d97","Peut-on utiliser Apple Pay à l’étranger avec une carte d’entreprise ?",{"type":224,"content":4130},[4131],{"type":227,"attrs":4132,"content":4133},{"textAlign":26},[4134],{"text":4135,"type":233},"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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Pour une carte d’entreprise, ce plafond peut aller de 500 € à 50 000 € pour une carte physique, selon la configuration choisie par l’administrateur.",[4167],{"cta":4168,"_uid":4169,"title":4170,"eyebrow":4177,"subtitle":4183,"component":317,"textAlign":52,"eyebrowPill":29,"flexibleSection":4186,"sectionSettings":4187,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"ceee707a-6569-4107-9aff-73f318624b71",{"type":224,"content":4171},[4172],{"type":317,"attrs":4173,"content":4174},{"level":319,"textAlign":26},[4175],{"text":4176,"type":233},"Ce qu'on nous demande 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Faisons le point.",[4281],{"_uid":4282,"items":4283,"heading":4320,"reverse":29,"component":1740,"sectionSettings":4338},"fef8dca9-714c-4bd9-b043-1559a91a8be8",[4284,4293,4302,4311],{"_uid":4285,"title":4286,"component":1641,"description":4287},"8400e1b2-5df6-40b6-b7f6-836929be75f6","Comment Spendesk sécurise les paiements des entreprises ?",{"type":224,"content":4288},[4289],{"type":227,"content":4290},[4291],{"text":4292,"type":233},"Spendesk sécurise les paiements en combinant cartes virtuelles et physiques, workflows d'approbation et contrôles budgétaires en temps réel. La génération de cartes virtuelles ciblées et les limites par carte empêchent les fraudes, tandis que les historiques et les journaux d'audit facilitent la traçabilité. 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