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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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C'est un désavantage concurrentiel.",[533],{"type":88,"attrs":534},{"color":90},{"type":112,"attrs":536,"content":537},{"level":114,"textAlign":61},[538],{"text":539,"type":59,"marks":540},"Vous n'avez aucune idée de où se trouve votre argent",[541],{"type":88,"attrs":542},{"color":90},{"type":55,"attrs":544,"content":546},{"textAlign":61,"key":545},"p-18",[547],{"text":548,"type":59,"marks":549},"Le paiement a quitté votre compte. 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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.",[2323,2324],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2326],{"cta":2327,"_uid":2328,"items":2329,"heading":2448,"reverse":29,"component":2469,"sectionSettings":2470},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2330,2389],{"_uid":2331,"title":2332,"component":2333,"description":2334},"dfc0accd-ab64-464a-8597-b76754748f04","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":52,"content":2335},[2336,2340],{"type":55,"content":2337},[2338],{"text":2339,"type":59},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":345,"attrs":2341,"content":2343},{"order":2342,"key":348},{"order":347},[2344,2356,2367],{"type":143,"content":2345},[2346],{"type":55,"content":2347},[2348,2352,2354],{"text":2349,"type":59,"marks":2350},"Les dépenses stratégiques",[2351],{"type":199},{"text":2353,"type":59}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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Une CCA concerne une charge déjà comptabilisée, mais qui relève en tout ou partie de l’exercice suivant.",{"_uid":2973,"hide":29,"title":2974,"component":2333,"description":2975},"4540fc40-ceed-4b1e-bd58-d6b959b77b91","Une charge constatée d’avance a-t-elle un impact sur la TVA ?",{"type":52,"attrs":2976,"content":2977},{"backgroundColor":61},[2978],{"type":55,"attrs":2979,"content":2980},{"textAlign":61},[2981],{"text":2982,"type":59},"Non. La CCA est enregistrée hors taxes, car la facture initiale a déjà été comptabilisée avec sa TVA. 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Les solutions peuvent fonctionner avec ",{"text":3145,"type":59,"marks":3146},"un abonnement mensuel, une tarification par utilisateur ou une offre sur devis",[3147],{"type":199},{"text":3149,"type":59},". Comparez surtout le coût total avec le temps consacré aujourd’hui à la saisie, aux relances et aux corrections.",{"_uid":3151,"hide":29,"title":3152,"component":2333,"description":3153},"ae408c76-b477-4f6a-807b-ff76fafdbae8","Quelle est la différence entre la gestion des dépenses et les notes de frais ?",{"type":52,"attrs":3154,"content":3155},{"backgroundColor":61},[3156],{"type":55,"attrs":3157,"content":3158},{"textAlign":61},[3159,3161,3165],{"text":3160,"type":59},"Les notes de frais concernent les dépenses avancées personnellement par les collaborateurs et remboursées par l’entreprise. La gestion des dépenses couvre un périmètre plus large : ",{"text":3162,"type":59,"marks":3163},"cartes d’entreprise, factures fournisseurs, notes de frais, achats récurrents et contrôles budgétaires",[3164],{"type":199},{"text":2598,"type":59},{"_uid":3167,"hide":29,"title":3168,"component":2333,"description":3169},"32cbc670-4a0b-4fd7-a27a-71a6ed18f746","Un logiciel de gestion des dépenses est-il compatible avec Pennylane, Cegid ou Sage ?",{"type":52,"attrs":3170,"content":3171},{"backgroundColor":61},[3172],{"type":55,"attrs":3173,"content":3174},{"textAlign":61},[3175,3177,3181],{"text":3176,"type":59},"La plupart des solutions ciblant les PME françaises proposent des intégrations ou des exports vers les principaux logiciels comptables. Vérifiez toutefois ",{"text":3178,"type":59,"marks":3179},"la fréquence de synchronisation, le mapping des comptes, la transmission des justificatifs et la gestion des erreurs",[3180],{"type":199},{"text":3182,"type":59}," avant de choisir.",{"_uid":3184,"hide":29,"title":3185,"component":2333,"description":3186},"77ef4143-b0b8-496e-b7b4-d7305d2baa24","Combien de temps faut-il pour déployer un logiciel de gestion des dépenses ?",{"type":52,"attrs":3187,"content":3188},{"backgroundColor":61},[3189],{"type":55,"attrs":3190,"content":3191},{"textAlign":61},[3192,3194,3198],{"text":3193,"type":59},"Un déploiement simple peut prendre quelques semaines. Le délai augmente avec le nombre d’entités, de cartes, d’utilisateurs et de règles comptables. Un projet complet doit inclure ",{"text":3195,"type":59,"marks":3196},"le paramétrage, les tests, la formation et la validation du flux comptable",[3197],{"type":199},{"text":2598,"type":59},{"_uid":3200,"hide":29,"title":3201,"component":2333,"description":3202},"0138006d-8573-42e2-b051-ee13b93ea628","Comment choisir le meilleur logiciel de gestion des dépenses ?",{"type":52,"attrs":3203,"content":3204},{"backgroundColor":61},[3205],{"type":55,"attrs":3206,"content":3207},{"textAlign":61},[3208,3210,3214],{"text":3209,"type":59},"Le meilleur outil est celui qui permet à votre PME de ",{"text":3211,"type":59,"marks":3212},"contrôler les dépenses avant paiement, collecter les justificatifs au bon moment et transmettre des données fiables à la comptabilité",[3213],{"type":199},{"text":2598,"type":59},[3216],{"cta":3217,"_uid":3218,"title":3219,"eyebrow":3229,"subtitle":3236,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3239,"sectionSettings":3240,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"26cd5f26-7e10-45c0-a63e-fefb78625f4a",{"type":52,"attrs":3220,"content":3221},{"backgroundColor":61},[3222],{"type":112,"attrs":3223,"content":3224},{"level":114,"textAlign":61},[3225],{"text":3226,"type":59,"marks":3227},"Questions fréquentes sur les logiciels de gestion des dépenses",[3228],{"type":199},{"type":52,"attrs":3230,"content":3231},{"backgroundColor":61},[3232],{"type":55,"attrs":3233,"content":3234},{"textAlign":61},[3235],{"text":1131,"type":59},{"type":52,"content":3237},[3238],{"type":55},[],[],[],"logiciel-de-gestion-des-depenses","fr/blog/logiciel-de-gestion-des-depenses",-2570,[],"a2165520-90ab-4447-9561-f3e296f7b839",[],"blog/logiciel-de-gestion-des-depenses",[3250,3251,3252],{"path":3248,"name":61,"lang":67,"published":61},{"path":3248,"name":61,"lang":73,"published":61},{"path":3248,"name":61,"lang":75,"published":61},{"name":3254,"created_at":3255,"published_at":3256,"updated_at":3257,"id":3258,"uuid":3259,"content":3260,"slug":3401,"full_slug":3402,"sort_by_date":61,"position":3403,"tag_list":3404,"is_startpage":29,"parent_id":825,"meta_data":61,"group_id":3405,"first_published_at":3256,"release_id":61,"lang":67,"path":61,"alternates":3406,"default_full_slug":3407,"translated_slugs":3408},"Plafonds et contrôle des cartes entreprise : comment sécuriser les dépenses ?","2026-08-20T12:10:08.970Z","2026-08-20T12:26:06.373Z","2026-08-20T12:26:06.400Z",211100503984294,"1b20cb82-47f6-47fa-bc22-b3eb4402ade8",{"_uid":3261,"title":3254,"topics":3262,"noIndex":29,"category":3263,"language":3272,"component":794,"heroMedia":3273,"publishedAt":3124,"redirectUrl":23,"listingImage":3280,"metaDescription":3281,"bottomArticleCta":3282,"componentsAfterTheArticle":3283},"51e97692-8cc5-42bb-a571-44cf74834a0d",[],{"name":782,"created_at":783,"published_at":6,"updated_at":784,"id":785,"uuid":786,"content":3264,"slug":794,"full_slug":795,"sort_by_date":61,"position":796,"tag_list":3266,"is_startpage":29,"parent_id":798,"meta_data":61,"group_id":799,"first_published_at":800,"release_id":61,"lang":67,"path":61,"alternates":3267,"default_full_slug":802,"translated_slugs":3268,"_stopResolving":76},{"_uid":788,"icon":3265,"name":782,"component":793},{"id":790,"alt":791,"name":23,"focus":23,"title":23,"filename":792,"copyright":23,"fieldtype":28,"is_external_url":29},[],[],[3269,3270,3271],{"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],[3274],{"_uid":3275,"asset":3276,"caption":23,"component":816},"823faaa3-e298-491b-a9fa-64ec26900ddc",{"id":3277,"alt":23,"name":23,"focus":23,"title":23,"source":23,"filename":3278,"copyright":23,"fieldtype":28,"meta_data":3279,"is_external_url":29},164483815230547,"https://a.storyblok.com/f/146026/1536x1024/39699f6af1/1773977103042-klcen-1.png",{},[],"Cartes entreprise : fixez les bons plafonds, automatisez les contrôles et protégez vos dépenses contre la fraude avec une politique adaptée.",[],[3284],{"cta":3285,"_uid":3286,"items":3287,"heading":3376,"reverse":29,"component":2469,"sectionSettings":3400},[],"ac1462bf-ba4b-4388-84f7-135f0ed35d0b",[3288,3305,3321,3338,3355],{"_uid":3289,"hide":29,"title":3290,"component":2333,"description":3291},"98af4646-806c-4563-ab48-1ce359496f38","Peut-on fixer des plafonds différents par carte ou par catégorie de dépense ?",{"type":52,"attrs":3292,"content":3293},{"backgroundColor":61},[3294],{"type":55,"attrs":3295,"content":3296},{"textAlign":61},[3297,3299,3303],{"text":3298,"type":59},"Oui. Les solutions modernes permettent d’attribuer ",{"text":3300,"type":59,"marks":3301},"un plafond individuel à chaque carte",[3302],{"type":199},{"text":3304,"type":59}," et d’ajouter des limites par catégorie, utilisateur, projet ou transaction. Cette approche évite d’appliquer un plafond unique à des collaborateurs dont les besoins sont différents.",{"_uid":3306,"hide":29,"title":3307,"component":2333,"description":3308},"f8b1131f-0e70-44ea-86fb-d730c9658337","Faut-il autoriser les retraits d’espèces avec une carte d’entreprise ?",{"type":52,"attrs":3309,"content":3310},{"backgroundColor":61},[3311],{"type":55,"attrs":3312,"content":3313},{"textAlign":61},[3314,3316,3320],{"text":3315,"type":59},"Les retraits sont plus difficiles à tracer et à justifier que les paiements par carte. Sauf besoin professionnel spécifique, il est recommandé de ",{"text":3317,"type":59,"marks":3318},"désactiver cette fonction ou de la limiter à un montant faible",[3319],{"type":199},{"text":2598,"type":59},{"_uid":3322,"hide":29,"title":3323,"component":2333,"description":3324},"91425118-f06d-4b38-98f0-1bac7febd7f3","Une charte d’utilisation de la carte d’entreprise est-elle obligatoire ?",{"type":52,"attrs":3325,"content":3326},{"backgroundColor":61},[3327],{"type":55,"attrs":3328,"content":3329},{"textAlign":61},[3330,3332,3336],{"text":3331,"type":59},"Une charte n’est pas toujours légalement obligatoire, mais elle permet de formaliser ",{"text":3333,"type":59,"marks":3334},"les dépenses autorisées, les justificatifs attendus, les niveaux de validation et les règles applicables en cas d’abus",[3335],{"type":199},{"text":3337,"type":59},". Elle facilite également l’intégration des nouveaux porteurs.",{"_uid":3339,"hide":29,"title":3340,"component":2333,"description":3341},"2264f587-ee8c-416c-a112-5bd3b88f4c77","Qu’est-ce que l’authentification forte et que protège-t-elle ?",{"type":52,"attrs":3342,"content":3343},{"backgroundColor":61},[3344],{"type":55,"attrs":3345,"content":3346},{"textAlign":61},[3347,3349,3353],{"text":3348,"type":59},"L’authentification forte ajoute une vérification lors de certains paiements en ligne. Elle repose sur ",{"text":3350,"type":59,"marks":3351},"au moins deux facteurs d’authentification distincts",[3352],{"type":199},{"text":3354,"type":59},", comme un code, un appareil ou une donnée biométrique, sous réserve des exemptions prévues par la réglementation.",{"_uid":3356,"hide":29,"title":3357,"component":2333,"description":3358},"73415f5b-b161-4e7f-b86e-dbc63d308c24","Comment reprendre le contrôle des dépenses par carte ?",{"type":52,"attrs":3359,"content":3360},{"backgroundColor":61},[3361,3371],{"type":55,"attrs":3362,"content":3363},{"textAlign":61},[3364,3366,3370],{"text":3365,"type":59},"Un bon dispositif ne cherche pas à tout bloquer. Il combine ",{"text":3367,"type":59,"marks":3368},"des plafonds proportionnés, des règles par catégorie, des validations ciblées et une visibilité immédiate sur les transactions",[3369],{"type":199},{"text":2598,"type":59},{"type":55,"attrs":3372,"content":3373},{"textAlign":61},[3374],{"text":3375,"type":59},"Spendesk permet de gérer les cartes physiques et virtuelles, de paramétrer les limites, de contrôler les catégories, de bloquer une carte et de suivre les dépenses depuis une interface centralisée.",[3377],{"cta":3378,"_uid":3379,"title":3380,"eyebrow":3388,"subtitle":3395,"component":112,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3398,"sectionSettings":3399,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"b61c09d0-908e-4aae-8cee-d3c518862cba",{"type":52,"attrs":3381,"content":3382},{"backgroundColor":61},[3383],{"type":112,"attrs":3384,"content":3385},{"level":114,"textAlign":61},[3386],{"text":3387,"type":59},"Questions fréquentes sur les plafonds et le contrôle des cartes 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00:00",[],"Omnibus CSRD 2026 : seuils de 1 000 salariés et 450 M€, calendrier révisé, VSME et actions à prévoir pour les DAF et les entreprises.\n",[],[3480],{"cta":3481,"_uid":3482,"items":3483,"heading":3561,"reverse":29,"component":2469,"sectionSettings":3585},[],"72e4f3db-ca09-4f67-905a-cbe932d89f63",[3484,3501,3518,3529,3546],{"_uid":3485,"hide":29,"title":3486,"component":2333,"description":3487},"181c2e80-937b-4dbb-b6ca-5a80d3e17ab4","Quelles entreprises restent soumises à la CSRD après l’Omnibus ?",{"type":52,"attrs":3488,"content":3489},{"backgroundColor":61},[3490],{"type":55,"attrs":3491,"content":3492},{"textAlign":61},[3493,3495,3499],{"text":3494,"type":59},"Les entreprises qui dépassent simultanément ",{"text":3496,"type":59,"marks":3497},"1 000 salariés et 450 millions d’euros de chiffre d’affaires net",[3498],{"type":199},{"text":3500,"type":59}," restent dans le périmètre obligatoire de la CSRD révisée. Les entreprises qui ne dépassent pas ces deux seuils sortent généralement du périmètre obligatoire, sous réserve des situations particulières liées au groupe.",{"_uid":3502,"hide":29,"title":3503,"component":2333,"description":3504},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":52,"attrs":3505,"content":3506},{"backgroundColor":61},[3507],{"type":55,"attrs":3508,"content":3509},{"textAlign":61},[3510,3512,3516],{"text":3511,"type":59},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":3513,"type":59,"marks":3514},"2028 sur l’exercice 2027",[3515],{"type":199},{"text":3517,"type":59},". Les entreprises déjà soumises doivent vérifier les mesures transitoires et le calendrier des standards ESRS révisés.",{"_uid":3519,"hide":29,"title":3520,"component":2333,"description":3521},"bd07e345-9e90-4df4-8021-4462f9f31742","Un grand client peut-il demander un reporting ESRS complet à une PME exemptée ?",{"type":52,"attrs":3522,"content":3523},{"backgroundColor":61},[3524],{"type":55,"attrs":3525,"content":3526},{"textAlign":61},[3527],{"text":3528,"type":59},"Non, pas automatiquement. Le plafonnement de la chaîne de valeur limite les informations qu’une entreprise soumise à la CSRD peut demander à un fournisseur de 1 000 salariés ou moins. Les demandes doivent s’appuyer sur le contenu du standard volontaire applicable.",{"_uid":3530,"hide":29,"title":3531,"component":2333,"description":3532},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":52,"attrs":3533,"content":3534},{"backgroundColor":61},[3535],{"type":55,"attrs":3536,"content":3537},{"textAlign":61},[3538,3540,3544],{"text":3539,"type":59},"Le VSME permet à une PME de structurer ",{"text":3541,"type":59,"marks":3542},"un socle volontaire et proportionné de données de durabilité",[3543],{"type":199},{"text":3545,"type":59},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":3547,"hide":29,"title":3548,"component":2333,"description":3549},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":52,"attrs":3550,"content":3551},{"backgroundColor":61},[3552],{"type":55,"attrs":3553,"content":3554},{"textAlign":61},[3555,3557],{"text":3556,"type":59},"L’Omnibus réduit le périmètre obligatoire de la CSRD, mais il ne supprime pas les demandes de données ESG dans les relations commerciales. 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",{"text":3875,"type":59,"marks":3876},"Sage 100 peut fonctionner avec une intégration native",[3877],{"type":199},{"text":3879,"type":59},", tandis que certaines versions de Sage ou certains produits Cegid peuvent nécessiter un export, une API ou un format spécifique.",{"_uid":3881,"hide":29,"title":3882,"component":2333,"description":3883},"c2ba6537-3b62-479c-a58a-5cf142d96864","Odoo Expenses peut-il remplacer Spendesk ?",{"type":52,"attrs":3884,"content":3885},{"backgroundColor":61},[3886],{"type":55,"attrs":3887,"content":3888},{"textAlign":61},[3889],{"text":3890,"type":59},"Oui, Odoo Expenses peut suffire pour des notes de frais classiques et des validations simples. 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00:00",[],"Frais de repas professionnels 2026 : plafonds URSSAF, TVA déductible, titres-restaurant et justificatifs à conserver dans vos notes de frais.",[],[4367],{"cta":4368,"_uid":4369,"items":4370,"heading":4521,"reverse":29,"component":2469,"sectionSettings":4545},[],"d521db1c-f138-4141-96e2-aa45099085ff",[4371,4412,4428,4444,4466,4476,4486,4502],{"_uid":4372,"hide":29,"title":4373,"component":2333,"description":4374},"ad7e9d64-0acf-4ddb-8081-eafb22ccdc03","Quel est le plafond d’exonération URSSAF du panier repas en 2026 ?",{"type":52,"content":4375},[4376],{"type":55,"attrs":4377,"content":4378},{"textAlign":61},[4379,4385,4389,4394,4398,4403,4407],{"text":4380,"type":59,"marks":4381},"Le plafond dépend de la situation du salarié : ",[4382],{"type":88,"attrs":4383},{"color":4384},"oklch(0.923 0.003 48.717)",{"text":4386,"type":59,"marks":4387},"7,50 €",[4388],{"type":199},{"text":4390,"type":59,"marks":4391}," pour un repas pris sur le lieu de travail, ",[4392],{"type":88,"attrs":4393},{"color":4384},{"text":4395,"type":59,"marks":4396},"10,40 €",[4397],{"type":199},{"text":4399,"type":59,"marks":4400}," pour un repas pris hors des locaux sans obligation de restaurant et ",[4401],{"type":88,"attrs":4402},{"color":4384},{"text":4404,"type":59,"marks":4405},"21,40 €",[4406],{"type":199},{"text":4408,"type":59,"marks":4409}," pour un repas au restaurant lors d’un déplacement professionnel.",[4410],{"type":88,"attrs":4411},{"color":4384},{"_uid":4413,"hide":29,"title":4414,"component":2333,"description":4415},"30d2a9b5-9e43-4ced-b8ad-aa960a3a9f80","Peut-on récupérer la TVA sur un repas d’affaires ?",{"type":52,"content":4416},[4417],{"type":55,"attrs":4418,"content":4419},{"textAlign":61},[4420,4422,4426],{"text":4421,"type":59},"Oui, lorsque la dépense est professionnelle, que le justificatif est conforme et que la TVA est correctement identifiée. Pour une dépense supérieure à ",{"text":4423,"type":59,"marks":4424},"150 € HT",[4425],{"type":199},{"text":4427,"type":59},", demandez une facture comportant les informations d’identification de l’entreprise.",{"_uid":4429,"hide":29,"title":4430,"component":2333,"description":4431},"0a8c9e01-3dd2-4164-8e09-f22035363fa9","Un ticket de caisse suffit-il comme justificatif de frais de repas ?",{"type":52,"content":4432},[4433],{"type":55,"attrs":4434,"content":4435},{"textAlign":61},[4436,4438,4442],{"text":4437,"type":59},"Un ticket peut suffire pour documenter une dépense de restauration inférieure ou égale à 150 € HT lorsque les mentions nécessaires figurent sur le justificatif. 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La réconciliation est une notion plus large, qui peut également couvrir les comptes clients, fournisseurs, les justificatifs et les opérations entre plusieurs sources de données.",{"_uid":4611,"hide":29,"title":4612,"component":2333,"description":4613},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":52,"content":4614},[4615],{"type":55,"attrs":4616,"content":4617},{"textAlign":61},[4618],{"text":4619,"type":59},"Il n’existe pas toujours un ordre obligatoire. En pratique, le lettrage et le rapprochement bancaire peuvent être réalisés en parallèle. Le lettrage permet de nettoyer les comptes clients et fournisseurs, tandis que le rapprochement vérifie la concordance entre la banque et la comptabilité.",{"_uid":4621,"hide":29,"title":4622,"component":2333,"description":4623},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":52,"content":4624},[4625],{"type":55,"attrs":4626,"content":4627},{"textAlign":61},[4628,4630,4634,4636,4640,4642,4646,4648,4652,4654,4658,4660,4664],{"text":4629,"type":59},"Avec un compte 512 à ",{"text":4631,"type":59,"marks":4632},"42 000 €",[4633],{"type":199},{"text":4635,"type":59}," et un relevé bancaire à ",{"text":4637,"type":59,"marks":4638},"43 650 €",[4639],{"type":199},{"text":4641,"type":59},", un chèque de ",{"text":4643,"type":59,"marks":4644},"1 500 €",[4645],{"type":199},{"text":4647,"type":59}," non débité, un virement client de ",{"text":4649,"type":59,"marks":4650},"240 €",[4651],{"type":199},{"text":4653,"type":59}," et ",{"text":4655,"type":59,"marks":4656},"90 €",[4657],{"type":199},{"text":4659,"type":59}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":4661,"type":59,"marks":4662},"42 150 €",[4663],{"type":199},{"text":2598,"type":59},{"_uid":4666,"hide":29,"title":4667,"component":2333,"description":4668},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":52,"content":4669},[4670],{"type":55,"attrs":4671,"content":4672},{"textAlign":61},[4673],{"text":4674,"type":59},"Un rapprochement mensuel constitue une bonne base. En environnement multi-entités ou lorsque les volumes sont importants, un rythme hebdomadaire réduit le nombre d’écarts à traiter lors de la clôture.",{"_uid":4676,"hide":29,"title":4677,"component":2333,"description":4678},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":52,"content":4679},[4680],{"type":55,"attrs":4681,"content":4682},{"textAlign":61},[4683],{"text":4684,"type":59},"Les dates dépendent de l’organisation de l’entreprise. Une checklist peut prévoir le rapprochement et le lettrage entre J+1 et J+5, les écritures d’inventaire avant la validation des comptes et les déclarations fiscales selon les échéances indiquées dans l’espace professionnel.",{"_uid":4686,"hide":29,"title":4687,"component":2333,"description":4688},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":52,"content":4689},[4690],{"type":55,"attrs":4691,"content":4692},{"textAlign":61},[4693,4698,4702,4707,4714],{"text":4694,"type":59,"marks":4695},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[4696],{"type":88,"attrs":4697},{"color":4384},{"text":4699,"type":59,"marks":4700},"24 mois",[4701],{"type":199},{"text":4703,"type":59,"marks":4704},". 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Les deux dispositifs répondent à des règles différentes et doivent être suivis séparément.",{"_uid":4846,"hide":29,"title":4847,"component":2333,"description":4848},"b3f1b6c9-2e40-49d6-858e-fb38fc9ec4c9","Que se passe-t-il si le montant dépasse le plafond ?",{"type":52,"content":4849},[4850],{"type":55,"attrs":4851,"content":4852},{"textAlign":61},[4853],{"text":4854,"type":59},"La fraction qui dépasse le plafond applicable doit être justifiée par des frais professionnels réellement engagés. 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