[{"data":1,"prerenderedAt":5094},["ShallowReactive",2],{"fr-blog/procure-to-pay":3,"fr-global-content":932,"fr-article-global-content":2257,"fr-blog-article-more-articles-undefined":2505,"fr-blog-article-more-articles-213435268":5089},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":919,"full_slug":920,"sort_by_date":53,"position":921,"tag_list":922,"is_startpage":30,"parent_id":923,"meta_data":53,"group_id":924,"first_published_at":925,"release_id":53,"lang":59,"path":53,"alternates":926,"default_full_slug":927,"translated_slugs":928},"Procure to Pay : un processus digitalisé stratégique aussi en PME","2022-11-02T17:57:43.645Z","2026-03-20T15:30:10.479Z","2026-03-20T15:30:10.511Z",213435268,"d44b1fd2-d803-4cbb-8d7c-9aa172385272",{"_uid":11,"roles":12,"title":4,"author":13,"topics":69,"content":70,"noIndex":30,"category":803,"language":829,"component":816,"heroMedia":830,"sidebarCta":837,"publishedAt":838,"readingTime":839,"redirectUrl":24,"listingImage":840,"metaDescription":841,"componentsAfterTheArticle":842},"e28e2e26-79a2-4ff6-9742-4294e038298b",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":51,"full_slug":52,"sort_by_date":53,"position":54,"tag_list":55,"is_startpage":30,"parent_id":56,"meta_data":53,"group_id":57,"first_published_at":58,"release_id":53,"lang":59,"path":53,"alternates":60,"default_full_slug":61,"translated_slugs":62,"_stopResolving":68},"Laurence Kermorgant","2022-10-19T17:43:32.473Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.250Z",206167982,"ad5e9865-33b0-4e4f-87fb-87854da52c85",{"_uid":21,"name":14,"links":22,"picture":37,"lastName":39,"component":40,"firstName":41,"description":42},"7b6af6e6-4cef-414b-b406-e7f20b9f0876",[23],{"tag":24,"_uid":25,"icon":26,"link":31,"type":24,"label":24,"style":35,"component":36,"onClickEvent":24,"openInANewTab":30,"horizontalFill":30},"","fc35f0d4-4b24-4a61-9b3e-74da38f7994c",{"id":27,"alt":24,"name":24,"focus":24,"title":24,"filename":28,"copyright":24,"fieldtype":29,"is_external_url":30},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":24,"url":32,"linktype":33,"fieldtype":34,"cached_url":32},"https://www.linkedin.com/in/laurence-kermorgant-5018a52/","url","multilink","primary","cta",{"alt":38,"name":24,"focus":24,"title":24,"filename":38,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/433x433/c873863fcb/laurence-kermorgant.jpeg","Kermorgant","author","Laurence",{"type":43,"content":44},"doc",[45],{"type":46,"content":47},"paragraph",[48],{"text":49,"type":50},"Laurence Kermorgant est rédactrice web SEO. Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et américains.","text","laurence-kermorgant","fr/blog/author/laurence-kermorgant",null,-860,[],176408854,"ea6e443c-29db-4708-b9a6-5239d19881b7","2022-11-02T15:25:44.771Z","fr",[],"blog/author/laurence-kermorgant",[63,64,66],{"path":61,"name":53,"lang":59,"published":53},{"path":61,"name":53,"lang":65,"published":53},"de",{"path":61,"name":53,"lang":67,"published":53},"es",true,[],{"type":43,"content":71},[72,76,80,91,102,109,136,142,152,156,161,171,177,187,221,226,243,253,258,268,277,282,292,296,301,311,321,325,362,363,368,372,387,392,402,412,417,427,431,436,446,450,455,459,464,474,478,483,493,498,508,513,523,547,552,562,572,577,587,592,596,606,610,615,625,629,649,654,664,669,685,733,738,754,764,768,773,795],{"type":46,"content":73},[74],{"text":75,"type":50},"De l’approvisionnement en matières premières ou fournitures de services jusqu’au paiement des factures correspondantes, la fonction Procure to Pay (P2P) mérite qu’on s’y attarde.",{"type":46,"content":77},[78],{"text":79,"type":50},"Ce processus de pilotage des achats se dématérialise aujourd’hui. Il présente un réel enjeu organisationnel et financier pour les PME.",{"type":46,"content":81},[82,84,89],{"text":83,"type":50},"Avec cet article, vous comprendrez exactement ce qu’il revêt et vous découvrirez ses atouts. Enfin, vous saurez comment déployer un ",{"text":85,"type":50,"marks":86},"process",[87],{"type":88},"italic",{"text":90,"type":50}," P2P dans votre entreprise.",{"type":46,"content":92},[93],{"type":94,"attrs":95},"blok",{"id":96,"body":97},"e8b9d02d-1251-48ff-b47a-3adcea5946c0",[98],{"_uid":99,"html":100,"component":101},"2c4fc1be-7fe4-4f17-bd87-708c436fc598","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-d9239f25-aafd-4134-8d45-5ac16c34dbce\">\u003Cspan class=\"hs-cta-node hs-cta-d9239f25-aafd-4134-8d45-5ac16c34dbce\" id=\"hs-cta-d9239f25-aafd-4134-8d45-5ac16c34dbce\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/d9239f25-aafd-4134-8d45-5ac16c34dbce\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-d9239f25-aafd-4134-8d45-5ac16c34dbce\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/d9239f25-aafd-4134-8d45-5ac16c34dbce.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'd9239f25-aafd-4134-8d45-5ac16c34dbce', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":103,"attrs":104,"content":106},"heading",{"level":105},2,[107],{"text":108,"type":50},"En quoi consiste le processus Procure to Pay ?",{"type":46,"content":110},[111,113,118,120,134],{"text":112,"type":50},"Que vous entendiez parler de ",{"text":114,"type":50,"marks":115},"Procure to Pay, de Purchase to Pay ou de P2P",[116],{"type":117},"bold",{"text":119,"type":50},", les trois appellations recouvrent le même ",{"text":121,"type":50,"marks":122},"processus d’achat global",[123],{"type":124,"attrs":125},"link",{"href":126,"uuid":127,"anchor":53,"target":53,"linktype":128,"story":129},"processus-dachat-global","09ad6877-5188-492c-8279-741db5d665b4","story",{"name":130,"id":131,"uuid":127,"slug":126,"url":132,"full_slug":133,"_stopResolving":68},"Processus d’achat global : définition, enjeux et avantages",213428005,"blog/processus-dachat-global","fr/blog/processus-dachat-global",{"text":135,"type":50}," en entreprise.",{"type":103,"attrs":137,"content":139},{"level":138},3,[140],{"text":141,"type":50},"Définition du P2P ou Procure to Pay",{"type":46,"content":143},[144,146,150],{"text":145,"type":50},"Ce terme anglais désormais utilisé en entreprise n’a pas de réel équivalent français. Il recouvre l’ensemble des ",{"text":147,"type":50,"marks":148},"processus organisationnels et informatiques",[149],{"type":117},{"text":151,"type":50}," qui participent au suivi des achats. Il se découpe en trois phases essentielles, la gestion des achats, les approvisionnements et les aspects financiers avec la facturation et le paiement.",{"type":46,"content":153},[154],{"text":155,"type":50},"Les technologies actuelles conduisent à automatiser toute la chaîne. Cette digitalisation du P2P contribue à optimiser son pilotage sous de nombreux angles.",{"type":103,"attrs":157,"content":158},{"level":138},[159],{"text":160,"type":50},"Les 3 grandes étapes d’une organisation Procure to Pay en PME",{"type":46,"content":162},[163,165,169],{"text":164,"type":50},"Dans toute entreprise, y compris en PME, le découpage du processus Procure to Pay conduit à distinguer trois fonctions principales. L’ensemble participe à la ",{"text":166,"type":50,"marks":167},"performance des achats et à la fluidité de leur gestion",[168],{"type":117},{"text":170,"type":50},".",{"type":103,"attrs":172,"content":174},{"level":173},4,[175],{"text":176,"type":50},"Fonction achats dans l’entreprise",{"type":46,"content":178},[179,181,185],{"text":180,"type":50},"En amont de l’approvisionnement, les entreprises disposent en général d’une ",{"text":182,"type":50,"marks":183},"direction des achats",[184],{"type":117},{"text":186,"type":50},", notamment lorsqu’elles consomment des matières premières ou revendent des marchandises. C’est un métier à part entière qui consiste à :",{"type":188,"content":189},"bullet_list",[190,197,209,215],{"type":191,"content":192},"list_item",[193],{"type":46,"content":194},[195],{"text":196,"type":50},"identifier les besoins en marchandises, matières ou services à acheter ;",{"type":191,"content":198},[199],{"type":46,"content":200},[201,203,207],{"text":202,"type":50},"réaliser le ",{"text":204,"type":50,"marks":205},"sourcing",[206],{"type":88},{"text":208,"type":50}," des fournisseurs pour les types d’achats identifiés ;",{"type":191,"content":210},[211],{"type":46,"content":212},[213],{"text":214,"type":50},"référencer les fournisseurs aptes à approvisionner l’entreprise ;",{"type":191,"content":216},[217],{"type":46,"content":218},[219],{"text":220,"type":50},"négocier les contrats fournisseurs en matière de tarifs éventuellement en volume de commandes annuelles, de conditions et de délais de paiement.",{"type":103,"attrs":222,"content":223},{"level":173},[224],{"text":225,"type":50},"Gestion des approvisionnements",{"type":46,"content":227},[228,230,234,236,242],{"text":229,"type":50},"À cette étape d’un process Procure to Pay, l’objectif consiste bien à émettre des ",{"text":231,"type":50,"marks":232},"bons de commande aux fournisseurs",[233],{"type":117},{"text":235,"type":50}," afin de se faire livrer en quantité, qualité et délais convenus. C’est le document qui régit les relations ponctuelles entre clients et fournisseurs pour un achat donné. À l’arrivée des matières, l’entreprise émet un bon de réception et contrôle la conformité de la livraison avec le ",{"text":237,"type":50,"marks":238},"bon de commande",[239],{"type":124,"attrs":240},{"href":241,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/glossaire/bon-de-commande/",{"text":170,"type":50},{"type":46,"content":244},[245,247,251],{"text":246,"type":50},"L’approvisionneur s’assure que les matières ou prestations indispensables à la chaîne de fabrication sont livrées dans les conditions et délais nécessaires. C’est le ",{"text":248,"type":50,"marks":249},"garant de la continuité de l’exploitation",[250],{"type":117},{"text":252,"type":50},". Il surveille aussi la bonne rotation des stocks. Il optimise leur niveau, ni trop, ni trop peu.",{"type":103,"attrs":254,"content":255},{"level":173},[256],{"text":257,"type":50},"Contrôle de la facturation fournisseur et émission des paiements",{"type":46,"content":259},[260,262,266],{"text":261,"type":50},"La partie comptable et financière du Procure to Pay comprend d’abord le ",{"text":263,"type":50,"marks":264},"contrôle de la facture",[265],{"type":117},{"text":267,"type":50},". Avec un process dématérialisé, le système a déjà marié le bon de commande et le bon de réception à la phase précédente. Il effectue le même rapprochement avec la facture en automatique.",{"type":46,"content":269},[270,272,276],{"text":271,"type":50},"En cas d’écarts en quantité, c’est le service approvisionnement qui gère le litige et la demande potentielle d’avoir. Pour une différence sur le prix, la responsabilité incombe aux achats. La validation dématérialisée de la facture permet à la dernière étape l’",{"text":273,"type":50,"marks":274},"émission du paiement fournisseur",[275],{"type":117},{"text":170,"type":50},{"type":103,"attrs":278,"content":279},{"level":105},[280],{"text":281,"type":50},"Quels sont les atouts d’une stratégie P2P automatisée en entreprise ?",{"type":46,"content":283},[284,286,290],{"text":285,"type":50},"L’automatisation des différents processus du cycle achats constitue une solution technologique très intéressante pour les PME. ",{"text":287,"type":50,"marks":288},"Efficacité, productivité, sécurité, fiabilité, visibilité et rapidité",[289],{"type":117},{"text":291,"type":50}," sont au rendez-vous pour l’ensemble des acteurs.",{"type":46,"content":293},[294],{"text":295,"type":50},"Avec autant d’avantages d’un bout à l’autre de la chaîne, le Procure to Pay doit participer à votre stratégie organisationnelle.",{"type":103,"attrs":297,"content":298},{"level":138},[299],{"text":300,"type":50},"Réduire les coûts des achats et des dépenses de l’entreprise",{"type":46,"content":302},[303,305,309],{"text":304,"type":50},"Le traitement d’une facture fournisseur au format papier coûte en moyenne entre 14 et 20 euros selon les sources gouvernementales. En adoptant la ",{"text":306,"type":50,"marks":307},"dématérialisation des processus",[308],{"type":117},{"text":310,"type":50},", vous réalisez une économie considérable. En effet, la réduction du coût atteint de 50 à 75 % de ce montant. C’est le premier enjeu financier, mais pas le seul.",{"type":46,"content":312},[313,315,319],{"text":314,"type":50},"Par ailleurs, la dématérialisation des achats et des approvisionnements selon des procédures normées et des outils informatiques adaptés contribue à abaisser ",{"text":316,"type":50,"marks":317},"le coût des achats",[318],{"type":117},{"text":320,"type":50}," en eux-mêmes.",{"type":46,"content":322},[323],{"text":324,"type":50},"Chaque collaborateur suit les consignes. Il achète chez les fournisseurs référencés. Il se tient aux limites fixées dans les lignes budgétaires. Il bénéficie de l’expertise de la direction achats en matière de sourcing et de négociation tarifaire.",{"type":94,"attrs":326},{"id":327,"body":328},"fc65956a-f2a4-4fb0-900c-e804e216145d",[329],{"cta":330,"_uid":345,"image":346,"title":350,"subtitle":360,"component":361},[331],{"tag":24,"_uid":332,"hide":30,"icon":333,"link":335,"type":24,"label":344,"style":35,"component":36,"mobileLabel":24,"onClickEvent":24,"openInANewTab":68,"horizontalFill":30},"d2dd1131-c52e-4177-b179-211168d3c046",{"id":53,"alt":53,"name":24,"focus":53,"title":53,"source":53,"filename":24,"copyright":53,"fieldtype":29,"meta_data":334},{},{"id":336,"url":24,"linktype":128,"fieldtype":34,"cached_url":337,"prep":68,"story":338},"706053b3-9642-4ad8-a2ef-b47094562528","/fr/blog/procurement-management-system-ou-purchasing",{"name":339,"id":340,"uuid":336,"slug":341,"url":342,"full_slug":343,"_stopResolving":68},"Procurement management system ou purchasing ?",208732075,"procurement-management-system-ou-purchasing","blog/procurement-management-system-ou-purchasing","fr/blog/procurement-management-system-ou-purchasing","Accéder à l'article","i-82b76a1e-559f-4c8f-99f0-cbb6c71c48ac",{"id":347,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":348,"copyright":24,"fieldtype":29,"meta_data":349,"is_external_url":30},17569915,"https://a.storyblok.com/f/146026/1020x680/536d2dde8c/tva-intracommunautaire_pink.png",{},{"type":43,"content":351},[352],{"type":103,"attrs":353,"content":355},{"level":354},1,[356],{"text":357,"type":50,"marks":358},"Digitalisation du processus d'achat: Le guide complet de l'e-procurement",[359],{"type":117},"Donnez-vous tous les moyens pour réussir la transformation de votre procurement","ctaBlock",{"type":46},{"type":103,"attrs":364,"content":365},{"level":138},[366],{"text":367,"type":50},"Rationaliser les choix de fournisseurs, de produits et de services",{"type":46,"content":369},[370],{"text":371,"type":50},"Avec un système Procure to Pay automatisé, les collaborateurs de l’entreprise disposent de règles précises. Ils commandent ainsi uniquement les articles ou services nécessaires à la réalisation de leurs missions.",{"type":46,"content":373},[374,376,380,382,386],{"text":375,"type":50},"En professionnalisant la gestion des achats, ils obtiennent ce qui correspond exactement à leur besoin, ",{"text":377,"type":50,"marks":378},"sans payer de la surqualité inutile",[379],{"type":117},{"text":381,"type":50},". Le métier de l’acheteur consiste à ",{"text":383,"type":50,"marks":384},"rationaliser le sourcing et à restreindre le choix d’approvisionnement",[385],{"type":117},{"text":170,"type":50},{"type":103,"attrs":388,"content":389},{"level":138},[390],{"text":391,"type":50},"Gagner du temps avec la dématérialisation du processus Procure to Pay",{"type":46,"content":393},[394,396,400],{"text":395,"type":50},"Évidemment, le traitement électronique des différentes étapes conduit à réduire la manipulation du papier. Il aboutit à la suppression des contrôles manuels. ",{"text":397,"type":50,"marks":398},"Chaque maillon de la chaîne gagne du temps",[399],{"type":117},{"text":401,"type":50},". Les collaborateurs se consacrent alors à des tâches à plus forte valeur ajoutée ce qui contribue à la performance de l’entreprise.",{"type":46,"content":403},[404,406,410],{"text":405,"type":50},"Plus le P2P se digitalise, plus l’acheteur économise du temps. C’est l’occasion de toujours mieux négocier avec les fournisseurs ou d’",{"text":407,"type":50,"marks":408},"améliorer le sourcing",[409],{"type":117},{"text":411,"type":50},". Pourquoi ne pas aussi travailler par exemple à la réduction des coûts des matériaux dans le cadre d’une démarche d’analyse de la valeur ?",{"type":103,"attrs":413,"content":414},{"level":138},[415],{"text":416,"type":50},"Sécuriser la gestion des achats en réduisant le risque d’erreurs",{"type":46,"content":418},[419,421,425],{"text":420,"type":50},"L’automatisation d’un processus Procure to Pay entraîne une ",{"text":422,"type":50,"marks":423},"réduction des erreurs de saisie manuelle",[424],{"type":117},{"text":426,"type":50},", sans oublier le risque de perte de documents au format papier.",{"type":46,"content":428},[429],{"text":430,"type":50},"Avec un parfait paramétrage des étapes du cycle achats, l’entreprise sécurise les opérations ainsi que les différents contrôles et rapprochements. Elle évite également les doubles paiements ou comptabilisations par exemple.",{"type":103,"attrs":432,"content":433},{"level":138},[434],{"text":435,"type":50},"Accélérer la gestion des litiges et le paiement des fournisseurs",{"type":46,"content":437},[438,440,444],{"text":439,"type":50},"Le processus Procure to Pay comporte aussi l’",{"text":441,"type":50,"marks":442},"émission de relances ou de notifications internes",[443],{"type":117},{"text":445,"type":50}," en cas de factures en attente d’approbation, de litiges en suspens, etc. Les désaccords diminuent grâce au mariage automatisé des bons de commande, bons de réception et factures.",{"type":46,"content":447},[448],{"text":449,"type":50},"En réduisant leur nombre, un système P2P dématérialisé participe également à l’accélération des paiements. Ce pilotage du cycle achats améliore les relations fournisseurs, un avantage certain pour la marche de l’entreprise.",{"type":103,"attrs":451,"content":452},{"level":138},[453],{"text":454,"type":50},"Fluidifier la consolidation du reporting de l’entreprise",{"type":46,"content":456},[457],{"text":458,"type":50},"Pour une PME qui dispose de plusieurs sites, le processus P2P conduit aussi à consolider facilement en quelques clics toutes les informations. Données de commandes, de livraison, de facturation ou de paiement par nature de charges ou par fournisseur par exemple, vous agrégez rapidement l’ensemble des flux de l’entreprise.",{"type":103,"attrs":460,"content":461},{"level":138},[462],{"text":463,"type":50},"Faciliter le suivi budgétaire de la fonction Purchase to Pay",{"type":46,"content":465},[466,468,472],{"text":467,"type":50},"Les solutions de Procure to Pay comportent aussi des ",{"text":469,"type":50,"marks":470},"fonctionnalités de gestion budgétaire",[471],{"type":117},{"text":473,"type":50},". Les commandes d’achat s’imputent sur des lignes octroyées par service, département, magasin, entité, etc. Avec ce type d’outils dématérialisés, avoir l’œil sur les dépenses réelles comparées aux budgets devient un jeu d’enfant.",{"type":46,"content":475},[476],{"text":477,"type":50},"Une PME qui recourt à une telle organisation de ses achats possède de sérieux atouts pour le pilotage au quotidien de ses activités.",{"type":103,"attrs":479,"content":480},{"level":105},[481],{"text":482,"type":50},"Comment déployer le processus Purchase to Pay dans une PME ?",{"type":46,"content":484},[485,487,491],{"text":486,"type":50},"Voici les différentes étapes pour ",{"text":488,"type":50,"marks":489},"la mise en place d’un processus Procure to Pay",[490],{"type":117},{"text":492,"type":50}," dans votre entreprise. Process et procédures, outils de dématérialisation, faisons le point.",{"type":103,"attrs":494,"content":495},{"level":138},[496],{"text":497,"type":50},"Définir le périmètre d’intervention du service achats en entreprise",{"type":46,"content":499},[500,502,506],{"text":501,"type":50},"Selon le secteur d’activité ou la taille de votre société, délimiter le ",{"text":503,"type":50,"marks":504},"champ d’intervention de la direction achats",[505],{"type":117},{"text":507,"type":50}," présente parfois de l’intérêt.",{"type":103,"attrs":509,"content":510},{"level":173},[511],{"text":512,"type":50},"Comprendre et définir les besoins à intégrer dans le P2P",{"type":46,"content":514},[515,517,521],{"text":516,"type":50},"Interrogez-vous sur les natures de charges que doit gérer un tel service central. Pour ces produits ou prestations à acquérir, l’acheteur commence par ",{"text":518,"type":50,"marks":519},"faire exprimer le besoin détaillé",[520],{"type":117},{"text":522,"type":50}," par l’exploitation.",{"type":46,"content":524},[525,527,531,533,545],{"text":526,"type":50},"Pour les ",{"text":528,"type":50,"marks":529},"autres dépenses hors périmètre de la direction achats",[530],{"type":117},{"text":532,"type":50},", plus de liberté peut être laissée aux collaborateurs concernés. Toutefois, vous pouvez confier la mission au responsable achats de définir une ",{"text":534,"type":50,"marks":535},"politique de dépenses pour les déplacements professionnels",[536],{"type":124,"attrs":537},{"href":538,"uuid":539,"anchor":53,"target":53,"linktype":128,"story":540},"deplacements-professionnels","c4c3bf1e-b1a4-4711-a88c-4bbbcff85efa",{"name":541,"id":542,"uuid":539,"slug":538,"url":543,"full_slug":544,"_stopResolving":68},"Déplacements professionnels : comment établir une politique de dépenses",214317374,"blog/deplacements-professionnels","fr/blog/deplacements-professionnels",{"text":546,"type":50},". Les salariés de la société disposent ainsi d’un cadre précis dans lequel ils conservent de l’autonomie.",{"type":103,"attrs":548,"content":549},{"level":173},[550],{"text":551,"type":50},"Organiser le sourcing, les appels d’offres et le référencement des fournisseurs",{"type":46,"content":553},[554,556,560],{"text":555,"type":50},"La phase suivante du processus Procure to Pay consiste à rechercher les fournisseurs aptes à répondre aux besoins définis préalablement, en quantité, en qualité et en prix. La direction achats ",{"text":557,"type":50,"marks":558},"organise le sourcing",[559],{"type":117},{"text":561,"type":50}," et prépare des appels d’offres avec les cahiers des charges des produits et prestations.",{"type":46,"content":563},[564,566,570],{"text":565,"type":50},"Elle analyse ensuite les retours des entreprises susceptibles d’être référencées. Pour une bonne visibilité du pilotage, l’homologation des fournisseurs se traduit par des ",{"text":567,"type":50,"marks":568},"contrats ou commandes-cadres",[569],{"type":117},{"text":571,"type":50},". Ces documents font l’objet de saisie et d’archivage électronique dans le logiciel de Purchase to Pay.",{"type":103,"attrs":573,"content":574},{"level":138},[575],{"text":576,"type":50},"Organiser des commandes d’achat ou fixer des lignes budgétaires",{"type":46,"content":578},[579,581,585],{"text":580,"type":50},"Cette étape concerne soit l’équipe approvisionnement soit tous les collaborateurs de l’entreprise autorisés à dépenser dans le cadre du travail. Il s’agit cette fois de ",{"text":582,"type":50,"marks":583},"passer des commandes",[584],{"type":117},{"text":586,"type":50}," afin d’obtenir la livraison de produits ou de services. Deux cas sont à distinguer dans un process P2P avec automatisation.",{"type":103,"attrs":588,"content":589},{"level":173},[590],{"text":591,"type":50},"Cas des approvisionnements de marchandises ou matières",{"type":46,"content":593},[594],{"text":595,"type":50},"Avant de réceptionner des marchandises dans un entrepôt, magasin ou restaurant, l’approvisionneur établit un bon de commande à destination du fournisseur.",{"type":46,"content":597},[598,600,604],{"text":599,"type":50},"Pour déployer le processus Procure to Pay avec ce type d’achats, le travail consiste à ",{"text":601,"type":50,"marks":602},"paramétrer ces documents dématérialisés",[603],{"type":117},{"text":605,"type":50}," ainsi que leur stockage et envoi par mail. Vous organisez aussi le lien avec les contrats d’achat, notamment les tarifs et caractéristiques des produits.",{"type":46,"content":607},[608],{"text":609,"type":50},"Prenez soin de cette étape. En effet, souvent les imputations analytiques des factures dépendent des données mentionnées sur le bon de commande.",{"type":103,"attrs":611,"content":612},{"level":173},[613],{"text":614,"type":50},"Cas des dépenses professionnelles",{"type":46,"content":616},[617,619,623],{"text":618,"type":50},"Pour les frais généraux ou dépenses professionnelles hors champ de la direction achats, le système de Purchase to Pay structure les ",{"text":620,"type":50,"marks":621},"autorisations de commandes et d’achats selon des lignes budgétaires",[622],{"type":117},{"text":624,"type":50}," détaillées.",{"type":46,"content":626},[627],{"text":628,"type":50},"Cette étape comprend donc le paramétrage dans le logiciel retenu :",{"type":188,"content":630},[631,637,643],{"type":191,"content":632},[633],{"type":46,"content":634},[635],{"text":636,"type":50},"du découpage des budgets par service, entité, établissement, etc. ;",{"type":191,"content":638},[639],{"type":46,"content":640},[641],{"text":642,"type":50},"de l’analytique avec les centres de coûts, les natures de charges ou tout autre axe souhaité ;",{"type":191,"content":644},[645],{"type":46,"content":646},[647],{"text":648,"type":50},"des autorisations et modalités de validation des achats dématérialisés.",{"type":103,"attrs":650,"content":651},{"level":138},[652],{"text":653,"type":50},"Choisir les outils de dématérialisation pour le processus Procure to Pay",{"type":46,"content":655},[656,658,662],{"text":657,"type":50},"L’automatisation et la dématérialisation du process P2P supposent évidemment d’",{"text":659,"type":50,"marks":660},"implémenter une ou plusieurs applications",[661],{"type":117},{"text":663,"type":50}," pour gérer les étapes du cycle achats. ERP, logiciels métiers, outil de pilotage des dépenses professionnelles comme Spendesk, plusieurs solutions s’offrent à vous.",{"type":103,"attrs":665,"content":666},{"level":173},[667],{"text":668,"type":50},"Les fonctionnalités des applications pour automatiser le P2P",{"type":46,"content":670},[671,673,677,679,683],{"text":672,"type":50},"Gérer le ",{"text":674,"type":50,"marks":675},"procurement",[676],{"type":88},{"text":678,"type":50},", soit l’approvisionnement d’une entreprise, constitue un réel enjeu. Prenez-soin de bien choisir l’outil adapté à chaque activité et à ses particularités. Une ou plusieurs applications doivent ",{"text":680,"type":50,"marks":681},"comprendre les fonctionnalités",[682],{"type":117},{"text":684,"type":50}," suivantes :",{"type":188,"content":686},[687,693,699,705,711,721,727],{"type":191,"content":688},[689],{"type":46,"content":690},[691],{"text":692,"type":50},"gestion des contrats d’achats et commandes-cadres ;",{"type":191,"content":694},[695],{"type":46,"content":696},[697],{"text":698,"type":50},"suivi et administration du référentiel fournisseurs ;",{"type":191,"content":700},[701],{"type":46,"content":702},[703],{"text":704,"type":50},"archivage électronique des documents selon les principes de la valeur probante ;",{"type":191,"content":706},[707],{"type":46,"content":708},[709],{"text":710,"type":50},"accès au dossier centralisé de chaque fournisseur ;",{"type":191,"content":712},[713],{"type":46,"content":714},[715,719],{"text":716,"type":50,"marks":717},"workflows",[718],{"type":88},{"text":720,"type":50}," pour la création, validation et archivage des demandes d’achats, bons de commande, bons de réception et factures ;",{"type":191,"content":722},[723],{"type":46,"content":724},[725],{"text":726,"type":50},"précomptabilisation et interface vers la comptabilité ;",{"type":191,"content":728},[729],{"type":46,"content":730},[731],{"text":732,"type":50},"outils de reportings et d’analyse des engagements d’achats, de la consommation des budgets, des dossiers des fournisseurs, etc.",{"type":103,"attrs":734,"content":735},{"level":173},[736],{"text":737,"type":50},"Spendesk, une plateforme pour le Purchase to Pay des dépenses professionnelles",{"type":46,"content":739},[740,746,748,752],{"text":741,"type":50,"marks":742},"Spendesk",[743],{"type":124,"attrs":744},{"href":745,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/",{"text":747,"type":50}," a pour vocation d’aider les entreprises à gérer les dépenses professionnelles de leurs collaborateurs. C’est donc un ",{"text":749,"type":50,"marks":750},"portail unique sur le Cloud",[751],{"type":117},{"text":753,"type":50}," sur lequel se réalisent de multiples actions en matière de Procure to Pay. Citons la dématérialisation des notes de frais ainsi que les achats auprès de fournisseurs réglés par cartes bancaires virtuelles ou physiques.",{"type":46,"content":755},[756,758,762],{"text":757,"type":50},"Notre logiciel apporte de nombreuses fonctionnalités comme la gestion budgétaire, la précomptabilisation ou le reporting. Des workflows se paramètrent en matière d’",{"text":759,"type":50,"marks":760},"autorisation et de validation",[761],{"type":117},{"text":763,"type":50}," des commandes d’achat, des factures et des paiements.",{"type":46,"content":765},[766],{"text":767,"type":50},"Nous archivons toutes les pièces comptables dématérialisées au même endroit. Nous facilitons l’accès aux informations de n’importe où pour les personnes que vous habilitez.",{"type":103,"attrs":769,"content":770},{"level":105},[771],{"text":772,"type":50},"Gagnez en efficacité en automatisant le Procure to Pay",{"type":46,"content":774},[775,777,781,783,786,788,794],{"text":776,"type":50},"Ce type de processus qui dématérialise les actions et les documents simplifie, fluidifie et sécurise la ",{"text":778,"type":50,"marks":779},"gestion du cycle achats",[780],{"type":117},{"text":782,"type":50},". À ce titre, il participe à la bonne stratégie de toute PME. Pour en savoir plus sur ce que Spendesk peut apporter au pilotage de ces ",{"text":85,"type":50,"marks":784},[785],{"type":88},{"text":787,"type":50}," dans votre activité, contactez-nous. Nous organiserons ",{"text":789,"type":50,"marks":790},"une démonstration de notre outil",[791],{"type":124,"attrs":792},{"href":793,"uuid":53,"anchor":53,"target":53,"linktype":33},"https://www.spendesk.com/fr/schedule-a-demo/",{"text":170,"type":50},{"type":46,"content":796},[797],{"type":94,"attrs":798},{"id":96,"body":799},[800],{"_uid":801,"html":802,"component":101},"d0f93966-6705-4b87-82a6-a6fd93dc2a0e","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-45a675e5-906f-4d02-adc9-6be65e9e074b\">\u003Cspan class=\"hs-cta-node hs-cta-45a675e5-906f-4d02-adc9-6be65e9e074b\" id=\"hs-cta-45a675e5-906f-4d02-adc9-6be65e9e074b\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/45a675e5-906f-4d02-adc9-6be65e9e074b\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-45a675e5-906f-4d02-adc9-6be65e9e074b\" style=\"border-width:0px;\" height=\"1280\" width=\"2560\" src=\"https://no-cache.hubspot.com/cta/default/2694209/45a675e5-906f-4d02-adc9-6be65e9e074b.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '45a675e5-906f-4d02-adc9-6be65e9e074b', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->",{"name":804,"created_at":805,"published_at":16,"updated_at":806,"id":807,"uuid":808,"content":809,"slug":816,"full_slug":817,"sort_by_date":53,"position":818,"tag_list":819,"is_startpage":30,"parent_id":820,"meta_data":53,"group_id":821,"first_published_at":822,"release_id":53,"lang":59,"path":53,"alternates":823,"default_full_slug":824,"translated_slugs":825,"_stopResolving":68},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":810,"icon":811,"name":804,"component":815},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":812,"alt":813,"name":24,"focus":24,"title":24,"filename":814,"copyright":24,"fieldtype":29,"is_external_url":30},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","fr/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[826,827,828],{"path":824,"name":53,"lang":59,"published":53},{"path":824,"name":53,"lang":65,"published":53},{"path":824,"name":53,"lang":67,"published":53},[59],[831],{"_uid":832,"asset":833,"shadow":30,"caption":24,"overlay":835,"component":836},"01007f49-d884-480e-8982-7ece086e5c8d",{"alt":24,"name":24,"focus":24,"title":24,"filename":834,"copyright":24,"fieldtype":29,"is_external_url":30},"https://a.storyblok.com/f/146026/1190x670/f755d15362/procure-to-pay.png",[],"image",[],"2022-06-13 14:29","9",[],"Vous souhaitez améliorer vos opérations de procure-to-pay ou d'approvisionnement ? Ces méthodes visent à vous donner des angles d'attaque.",[843],{"_uid":844,"items":845,"heading":892,"reverse":30,"component":910,"sectionSettings":911},"81f5af26-87a3-4a40-b1cc-9be4e16f6020",[846,856,865,874,883],{"_uid":847,"title":848,"component":849,"description":850},"8d60e65c-a8ee-4dcb-a091-62e15dd417e5","Qu'est-ce que la gestion des dépenses ?","faqItem",{"type":43,"content":851},[852],{"type":46,"content":853},[854],{"text":855,"type":50},"La gestion des dépenses est le processus qui centralise et contrôle toutes les sorties liées à l'activité pour assurer conformité, catégorisation et réconciliation comptable. 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Les employés demandent des fonds ou utilisent des cartes Spendesk, les responsables valident via workflows, et l'équipe finance suit budgets en temps réel, automatise les notes de frais et exporte les écritures vers les logiciels comptables.",{"_uid":866,"title":867,"component":849,"description":868},"151eb0b0-ed5b-404a-b2c1-67270e63cfb4","Qu'est-ce que le processus Procure-to-Pay (P2P) ?",{"type":43,"content":869},[870],{"type":46,"content":871},[872],{"text":873,"type":50},"Le processus Procure-to-Pay couvre l'ensemble des étapes depuis la demande d'achat jusqu'au paiement fournisseur et à la réconciliation comptable. 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ce que vous lisez ?",[2320],{"cta":2321,"_uid":2336,"image":2337,"title":2339,"subtitle":2353,"component":361},[2322],{"tag":24,"_uid":2323,"hide":30,"icon":2324,"link":2326,"type":24,"label":2334,"style":35,"component":36,"mobileLabel":24,"onClickEvent":2335,"openInANewTab":30,"horizontalFill":30},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":53,"alt":53,"name":24,"focus":53,"title":53,"source":53,"filename":24,"copyright":53,"fieldtype":29,"meta_data":2325},{},{"id":2327,"url":24,"linktype":128,"fieldtype":34,"cached_url":2328,"prep":68,"story":2329},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","/fr/platform-tour",{"name":2330,"id":2331,"uuid":2327,"slug":2332,"url":2332,"full_slug":2333,"_stopResolving":68},"Platform tour",413550505,"platform-tour","fr/platform-tour","Voir la démo 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Abonnez-vous à notre newsletter pour rester informé.",[2359,2360],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2362],{"cta":2363,"_uid":2364,"items":2365,"heading":2482,"reverse":30,"component":910,"sectionSettings":2503},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2366,2424],{"_uid":2367,"title":848,"component":849,"description":2368},"dfc0accd-ab64-464a-8597-b76754748f04",{"type":43,"content":2369},[2370,2374],{"type":46,"content":2371},[2372],{"text":2373,"type":50},"Les dépenses de l'entreprise peuvent être de plusieurs types :",{"type":2375,"attrs":2376,"content":2378},"ordered_list",{"order":2377},{"order":354},[2379,2391,2402],{"type":191,"content":2380},[2381],{"type":46,"content":2382},[2383,2387,2389],{"text":2384,"type":50,"marks":2385},"Les dépenses stratégiques",[2386],{"type":117},{"text":2388,"type":50}," sont généralement centralisées et gérées par des décideurs qui ont la responsabilité sur des dépenses spécifiques. 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00:00",[],[],"Délais de paiement fournisseurs en France : règles légales, calcul des échéances, exceptions, pénalités et bonnes pratiques pour éviter les retards.",[],[2725],{"cta":2726,"_uid":2727,"items":2728,"heading":2890,"reverse":30,"component":910,"sectionSettings":2914},[],"e26fe26e-a1cc-408d-b232-74816caf335e",[2729,2749,2776,2798,2813],{"_uid":2730,"hide":30,"title":2731,"component":849,"description":2732},"b7e951af-27d1-446d-bf13-2c8e21508c90","Peut-on dépasser 60 jours de délai de paiement ?",{"type":43,"attrs":2733,"content":2734},{"backgroundColor":53},[2735,2744],{"type":46,"attrs":2736,"content":2737},{"textAlign":53},[2738,2742],{"text":2739,"type":50,"marks":2740},"Dans le régime général, non.",[2741],{"type":117},{"text":2743,"type":50}," Le délai convenu ne peut pas dépasser 60 jours après la date d’émission de la facture ou 45 jours fin de mois.",{"type":46,"attrs":2745,"content":2746},{"textAlign":53},[2747],{"text":2748,"type":50},"Certaines exceptions existent 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Service-Public prévoit par exemple jusqu’à 90 jours pour certaines exportations hors Union européenne en franchise de TVA, sous conditions.",{"_uid":2750,"hide":30,"title":2751,"component":849,"description":2752},"42d3707d-b45c-4fcf-ac3a-2e902def257e","Quel est le délai de paiement d’une facture périodique ?",{"type":43,"attrs":2753,"content":2754},{"backgroundColor":53},[2755,2766],{"type":46,"attrs":2756,"content":2757},{"textAlign":53},[2758,2760,2764],{"text":2759,"type":50},"Une facture périodique doit être réglée au plus tard ",{"text":2761,"type":50,"marks":2762},"45 jours après sa date d’émission",[2763],{"type":117},{"text":2765,"type":50},", sans report en fin de mois.",{"type":46,"attrs":2767,"content":2768},{"textAlign":53},[2769,2771,2775],{"text":2770,"type":50},"Une facture mensuelle de maintenance émise le 31 octobre 2026 doit donc être payée au plus tard le ",{"text":2772,"type":50,"marks":2773},"15 décembre 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change-t-elle les délais de paiement ?",{"type":43,"attrs":2802,"content":2803},{"backgroundColor":53},[2804],{"type":46,"attrs":2805,"content":2806},{"textAlign":53},[2807,2811],{"text":2808,"type":50,"marks":2809},"Elle change le circuit de traitement, mais pas les délais légaux.",[2810],{"type":117},{"text":2812,"type":50}," L’Observatoire des délais de paiement ne prévoit pas de baisse automatique des retards, car ceux-ci dépendent aussi des processus internes d’approbation et de paiement.",{"_uid":2814,"hide":30,"title":2815,"component":849,"description":2816},"eacb2f02-010c-412f-a302-45e7402e73ea","Comment calculer les pénalités de retard ?",{"type":43,"attrs":2817,"content":2818},{"backgroundColor":53},[2819,2829,2839,2844,2851,2856,2879],{"type":46,"attrs":2820,"content":2821},{"textAlign":53},[2822,2824,2828],{"text":2823,"type":50},"Sans taux prévu au contrat, Service-Public retient le taux de refinancement de la Banque centrale européenne majoré de dix points, soit 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électronique des PME : calendrier 2026-2027, plateforme agréée, PPF, données à préparer et étapes pour réussir la mise en conformité.",[],[2967],{"cta":2968,"_uid":2969,"items":2970,"heading":3059,"reverse":30,"component":910,"sectionSettings":3083},[],"d1adf0be-b475-4141-be84-e6809c10956b",[2971,2986,3000,3015,3030,3044],{"_uid":2972,"hide":30,"title":2973,"component":849,"description":2974},"fe4099b6-a5df-4d02-9ea0-58289ab19094","Le PPF permet-il encore d’envoyer gratuitement ses factures ?",{"type":43,"attrs":2975,"content":2976},{"backgroundColor":53},[2977],{"type":46,"attrs":2978,"content":2979},{"textAlign":53},[2980,2984],{"text":2981,"type":50,"marks":2982},"Non.",[2983],{"type":117},{"text":2985,"type":50}," Les factures doivent désormais passer par au moins une plateforme agréée choisie par l’entreprise. Le PPF conserve principalement son rôle d’annuaire et de concentrateur des données fiscales.",{"_uid":2987,"hide":30,"title":2988,"component":849,"description":2989},"f42d1662-5cd3-4d63-8a41-3f0d7a18bf1b","Un PDF envoyé par e-mail est-il une facture électronique ?",{"type":43,"attrs":2990,"content":2991},{"backgroundColor":53},[2992],{"type":46,"attrs":2993,"content":2994},{"textAlign":53},[2995,2998],{"text":2981,"type":50,"marks":2996},[2997],{"type":117},{"text":2999,"type":50}," Un simple PDF envoyé par e-mail ne correspond pas au format attendu par la réforme. À partir du 1er septembre 2027, les PME devront émettre leurs factures dans un format électronique conforme, comme UBL, CII ou Factur-X selon leur solution.",{"_uid":3001,"hide":30,"title":3002,"component":849,"description":3003},"9a89eddd-acc8-425f-b157-7646aa722463","Les micro-entrepreneurs sont-ils concernés par la réforme ?",{"type":43,"attrs":3004,"content":3005},{"backgroundColor":53},[3006],{"type":46,"attrs":3007,"content":3008},{"textAlign":53},[3009,3013],{"text":3010,"type":50,"marks":3011},"Oui.",[3012],{"type":117},{"text":3014,"type":50}," Les micro-entrepreneurs et les entreprises en franchise en base de TVA sont également concernés lorsqu’ils sont assujettis. Ils doivent recevoir les factures électroniques depuis le 1er septembre 2026 et devront les émettre à partir du 1er septembre 2027.",{"_uid":3016,"hide":30,"title":3017,"component":849,"description":3018},"deb0c63c-218a-4a52-bc77-d888166c31f7","Une entreprise qui ne facture pas de TVA est-elle concernée ?",{"type":43,"attrs":3019,"content":3020},{"backgroundColor":53},[3021],{"type":46,"attrs":3022,"content":3023},{"textAlign":53},[3024,3028],{"text":3025,"type":50,"marks":3026},"Oui, dès lors qu’elle est assujettie à la TVA",[3027],{"type":117},{"text":3029,"type":50},", y compris lorsqu’elle bénéficie de la franchise en base. Les mêmes échéances de réception et d’émission s’appliquent.",{"_uid":3031,"hide":30,"title":3032,"component":849,"description":3033},"29a0e8d1-074b-44ce-b48f-c9150b51026a","Peut-on utiliser plusieurs plateformes agréées ?",{"type":43,"attrs":3034,"content":3035},{"backgroundColor":53},[3036],{"type":46,"attrs":3037,"content":3038},{"textAlign":53},[3039,3042],{"text":3010,"type":50,"marks":3040},[3041],{"type":117},{"text":3043,"type":50}," Une PME peut par exemple utiliser une plateforme pour les factures fournisseurs et une autre pour ses ventes. L’annuaire doit néanmoins identifier clairement la plateforme et l’adresse utilisées pour recevoir les factures.",{"_uid":3045,"hide":30,"title":3046,"component":849,"description":3047},"603ca885-e519-473f-9fab-26b658df71b3","Un opérateur de dématérialisation suffit-il ?",{"type":43,"attrs":3048,"content":3049},{"backgroundColor":53},[3050],{"type":46,"attrs":3051,"content":3052},{"textAlign":53},[3053,3057],{"text":3054,"type":50,"marks":3055},"Non, sauf s’il est lui-même agréé.",[3056],{"type":117},{"text":3058,"type":50}," Un OD ou une autre solution compatible doit être raccordé à une plateforme agréée pour participer aux échanges prévus par la réforme. Demandez à votre prestataire quelle PA il utilise avant de lui confier vos flux.",[3060],{"cta":3061,"_uid":3062,"title":3063,"layout":24,"eyebrow":3071,"subtitle":3078,"component":103,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3081,"sectionSettings":3082,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"c6c045b6-df23-4857-9321-be3eae219603",{"type":43,"attrs":3064,"content":3065},{"backgroundColor":53},[3066],{"type":103,"attrs":3067,"content":3068},{"level":105,"textAlign":53},[3069],{"text":3070,"type":50},"Questions fréquentes sur la facturation électronique des 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la différence entre Apple Pay et Tap to Pay sur iPhone, leurs frais, usages, justificatifs, limites et règles pour les paiements professionnels.",[],[3149],{"cta":3150,"_uid":3151,"items":3152,"heading":3228,"reverse":30,"component":910,"sectionSettings":3252},[],"6e98fa8e-5fbf-482f-9380-0621b63072ee",[3153,3168,3182,3199,3214],{"_uid":3154,"hide":30,"title":3155,"component":849,"description":3156},"89d4143f-9b0d-426f-ade4-1ec215dbdc0d","Tap to Pay sur iPhone est-il payant ?",{"type":43,"attrs":3157,"content":3158},{"backgroundColor":53},[3159],{"type":46,"attrs":3160,"content":3161},{"textAlign":53},[3162,3166],{"text":3163,"type":50,"marks":3164},"Oui, par l’intermédiaire du prestataire de paiement.",[3165],{"type":117},{"text":3167,"type":50}," 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":3169,"hide":30,"title":3170,"component":849,"description":3171},"04a61e09-88b1-4970-a50b-47064edbcf97","Peut-on encaisser plus de 50 € avec Tap to Pay ?",{"type":43,"attrs":3172,"content":3173},{"backgroundColor":53},[3174],{"type":46,"attrs":3175,"content":3176},{"textAlign":53},[3177,3180],{"text":3010,"type":50,"marks":3178},[3179],{"type":117},{"text":3181,"type":50}," Il faut simplement vérifier que votre prestataire prend en charge la saisie du code PIN sur iPhone pour les transactions concernées.",{"_uid":3183,"hide":30,"title":3184,"component":849,"description":3185},"222ab718-9ca9-42cf-aff5-788ba217a343","Faut-il un compte professionnel pour utiliser Tap to Pay ?",{"type":43,"attrs":3186,"content":3187},{"backgroundColor":53},[3188],{"type":46,"attrs":3189,"content":3190},{"textAlign":53},[3191,3193,3197],{"text":3192,"type":50},"Il faut au minimum ",{"text":3194,"type":50,"marks":3195},"un compte marchand auprès d’un prestataire compatible",[3196],{"type":117},{"text":3198,"type":50},", qui collecte les paiements puis reverse les fonds à votre entreprise. Chaque prestataire fixe ses propres conditions d’ouverture.",{"_uid":3200,"hide":30,"title":3201,"component":849,"description":3202},"b82a2c38-1c4f-46fb-a3fe-b11f1e846ca1","Une carte virtuelle d’entreprise fonctionne-t-elle avec Apple Pay ?",{"type":43,"attrs":3203,"content":3204},{"backgroundColor":53},[3205],{"type":46,"attrs":3206,"content":3207},{"textAlign":53},[3208,3212],{"text":3209,"type":50,"marks":3210},"Oui, si son émetteur l’autorise.",[3211],{"type":117},{"text":3213,"type":50}," Elle peut alors être ajoutée dans l’app Cartes et utilisée avec Face ID, Touch ID ou le code de l’appareil. 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Dans l’exemple illustratif de cet article, le délai varie de ",{"text":3334,"type":50,"marks":3335},"4,3 à 16,7 mois",[3336],{"type":117},{"text":3338,"type":50}," selon le scénario. Ces chiffres ne constituent pas une garantie de résultat.",{"_uid":3340,"hide":30,"title":3341,"component":849,"description":3342},"a7c098cb-6d0a-46c6-a029-e9974db07749","Faut-il compter tout le temps gagné comme une économie ?",{"type":43,"attrs":3343,"content":3344},{"backgroundColor":53},[3345],{"type":46,"attrs":3346,"content":3347},{"textAlign":53},[3348,3351,3353,3357],{"text":2981,"type":50,"marks":3349},[3350],{"type":117},{"text":3352,"type":50}," Le temps gagné ne devient une économie que s’il est réaffecté à une activité mesurable ou s’il permet d’éviter un coût, comme un recrutement supplémentaire. Sinon, mieux vaut le présenter comme de la ",{"text":3354,"type":50,"marks":3355},"capacité libérée",[3356],{"type":117},{"text":170,"type":50},{"_uid":3359,"hide":30,"title":3360,"component":849,"description":3361},"24bc1289-0edf-4a6b-acc1-6fb450e96e41","Combien de temps faut-il pour déployer une solution de gestion des dépenses ?",{"type":43,"attrs":3362,"content":3363},{"backgroundColor":53},[3364],{"type":46,"attrs":3365,"content":3366},{"textAlign":53},[3367,3369,3373],{"text":3368,"type":50},"La durée dépend notamment de l’intégration comptable, du paramétrage des règles et de la mise à jour de la politique de dépenses. Ce temps doit être intégré au ",{"text":3370,"type":50,"marks":3371},"TCO du projet",[3372],{"type":117},{"text":3374,"type":50},", au même titre que la formation et le double fonctionnement éventuel.",{"_uid":3376,"hide":30,"title":3377,"component":849,"description":3378},"a1bf55a8-49d7-4226-a1ab-aa32e7fd1a36","Quels KPI suivre après le déploiement ?",{"type":43,"attrs":3379,"content":3380},{"backgroundColor":53},[3381],{"type":46,"attrs":3382,"content":3383},{"textAlign":53},[3384,3386,3390],{"text":3385,"type":50},"Suivez quelques indicateurs simples : ",{"text":3387,"type":50,"marks":3388},"durée de la clôture, taux de justificatifs collectés, délai de remboursement et dépenses hors politique",[3389],{"type":117},{"text":3391,"type":50},". 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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.",[],[3470],{"cta":3471,"_uid":3472,"items":3473,"heading":3582,"reverse":30,"component":910,"sectionSettings":3606},[],"c9d565f8-622e-4891-aaa4-c6e1283b588e",[3474,3491,3508,3523,3542,3565],{"_uid":3475,"hide":30,"title":3476,"component":849,"description":3477},"84902400-0416-4c40-932b-874b0ac98008","Quels services de cartes virtuelles choisir pour une utilisation quotidienne en entreprise ?",{"type":43,"attrs":3478,"content":3479},{"backgroundColor":53},[3480],{"type":46,"attrs":3481,"content":3482},{"textAlign":53},[3483,3485,3489],{"text":3484,"type":50},"Pour un usage individuel, ",{"text":3486,"type":50,"marks":3487},"une application grand public ou une e-carte bancaire peut suffire",[3488],{"type":117},{"text":3490,"type":50},". 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":3492,"hide":30,"title":3493,"component":849,"description":3494},"1168181e-92ab-46a6-a556-f60c04bd4385","Une carte virtuelle d’entreprise est-elle payante ?",{"type":43,"attrs":3495,"content":3496},{"backgroundColor":53},[3497],{"type":46,"attrs":3498,"content":3499},{"textAlign":53},[3500,3502,3506],{"text":3501,"type":50},"Cela dépend de l’émetteur. Certaines banques proposent gratuitement leur e-carte, tandis que d’autres la facturent jusqu’à ",{"text":3503,"type":50,"marks":3504},"15 € par an",[3505],{"type":117},{"text":3507,"type":50}," selon Les clés de la banque. Sur une plateforme de gestion des dépenses, les cartes sont généralement comprises dans l’offre souscrite.",{"_uid":3509,"hide":30,"title":3510,"component":849,"description":3511},"99170121-db37-46d6-aa43-d37003327a29","Peut-on payer un hôtel ou une location de voiture avec une carte virtuelle ?",{"type":43,"attrs":3512,"content":3513},{"backgroundColor":53},[3514],{"type":46,"attrs":3515,"content":3516},{"textAlign":53},[3517,3521],{"text":3518,"type":50,"marks":3519},"Pas toujours.",[3520],{"type":117},{"text":3522,"type":50}," 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":3524,"hide":30,"title":3525,"component":849,"description":3526},"5aa48a97-db1e-4a06-99e3-4338778ab467","Une carte virtuelle à usage unique fonctionne-t-elle pour un abonnement ?",{"type":43,"attrs":3527,"content":3528},{"backgroundColor":53},[3529],{"type":46,"attrs":3530,"content":3531},{"textAlign":53},[3532,3535,3537,3541],{"text":2981,"type":50,"marks":3533},[3534],{"type":117},{"text":3536,"type":50}," La carte devient inutilisable après le premier paiement, ce qui ferait échouer le renouvellement suivant. Pour un abonnement, mieux vaut utiliser une ",{"text":3538,"type":50,"marks":3539},"carte réutilisable dédiée au fournisseur",[3540],{"type":117},{"text":170,"type":50},{"_uid":3543,"hide":30,"title":3544,"component":849,"description":3545},"4fa89413-bd14-4e2a-a25d-87536f74a382","Peut-on être remboursé d’un achat payé avec une carte virtuelle à usage unique ?",{"type":43,"attrs":3546,"content":3547},{"backgroundColor":53},[3548],{"type":46,"attrs":3549,"content":3550},{"textAlign":53},[3551,3555,3557,3563],{"text":3552,"type":50,"marks":3553},"Oui, généralement.",[3554],{"type":117},{"text":3556,"type":50}," Le remboursement est crédité sur le compte auquel la carte était rattachée, même si la carte virtuelle a expiré entre-temps. ",{"text":3558,"type":50,"marks":3559},"BoursoBank",[3560],{"type":124,"attrs":3561},{"href":3562,"uuid":53,"anchor":53,"target":53,"linktype":33},"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":3564,"type":50}," le confirme pour ses propres cartes, mais les conditions peuvent varier selon l’émetteur.",{"_uid":3566,"hide":30,"title":3567,"component":849,"description":3568},"79186bae-d2cf-4557-bee0-681c2b8fd972","Combien de temps faut-il pour bloquer une carte virtuelle ?",{"type":43,"attrs":3569,"content":3570},{"backgroundColor":53},[3571],{"type":46,"attrs":3572,"content":3573},{"textAlign":53},[3574,3576,3580],{"text":3575,"type":50},"Lorsqu’elle est gérée depuis une application ou une plateforme adaptée, ",{"text":3577,"type":50,"marks":3578},"une carte virtuelle peut être bloquée immédiatement",[3579],{"type":117},{"text":3581,"type":50}," depuis l’interface. 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Découvrez les données Spendesk 2026 sur les dépenses en Europe.",[3672],{"cta":3673,"_uid":3680,"image":3681,"title":3686,"subtitle":24,"component":361,"imageFullWidth":68},[3674],{"tag":24,"_uid":3675,"hide":30,"icon":3676,"link":3678,"type":24,"label":24,"style":35,"component":36,"mobileLabel":24,"onClickEvent":24,"openInANewTab":68,"horizontalFill":30},"559eb7f3-d0d1-420f-929a-0c732e4886f6",{"id":53,"alt":53,"name":24,"focus":53,"title":53,"source":53,"filename":24,"copyright":53,"fieldtype":29,"meta_data":3677},{},{"id":1554,"url":24,"linktype":128,"fieldtype":34,"cached_url":1555,"prep":68,"story":3679},{"name":1557,"id":1558,"uuid":1554,"slug":1559,"url":1560,"full_slug":1561,"_stopResolving":68},"8b3fdf1e-0536-41ce-bd2b-6418c212ff22",{"id":3682,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3683,"copyright":24,"fieldtype":29,"meta_data":3684,"is_external_url":30},221048906244316,"https://a.storyblok.com/f/146026/1700x465/e88345cf2d/made-in-europe-paris.png",{"size":3685},"1700x465",{"type":43,"content":3687},[3688],{"type":46},[3690],{"cta":3691,"_uid":3692,"items":3693,"heading":3790,"reverse":30,"component":910,"sectionSettings":3814},[],"c53a17e3-2f34-45eb-96aa-8a0aa98aff4c",[3694,3707,3718,3731,3744,3755,3768,3779],{"_uid":3695,"hide":30,"title":3696,"component":849,"description":3697},"298b7db2-f4d8-463e-8f25-542b89772cd4","Qu’est-ce que la gestion des dépenses SaaS, et pourquoi est-elle importante pour les équipes Finance ?",{"type":43,"attrs":3698,"content":3699},{"backgroundColor":53},[3700,3705],{"type":46,"attrs":3701,"content":3702},{"textAlign":53},[3703],{"text":3704,"type":50},"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":103,"attrs":3706},{"level":138,"textAlign":53},{"_uid":3708,"hide":30,"title":3709,"component":849,"description":3710},"2205b34b-3642-467d-b57d-00f74eb0ea8a","Combien les entreprises européennes dépensent-elles en logiciels SaaS ?",{"type":43,"attrs":3711,"content":3712},{"backgroundColor":53},[3713],{"type":46,"attrs":3714,"content":3715},{"textAlign":53},[3716],{"text":3717,"type":50},"Selon l’étude de Spendesk, l’entreprise européenne moyenne de notre échantillon dépense près de 250 000 € par an en logiciels.",{"_uid":3719,"hide":30,"title":3720,"component":849,"description":3721},"fc248c7d-c0ef-42f2-8896-bd99d597a6fa","Comment les équipes Finance peuvent-elles suivre les abonnements SaaS utilisés par plusieurs départements ?",{"type":43,"attrs":3722,"content":3723},{"backgroundColor":53},[3724,3729],{"type":46,"attrs":3725,"content":3726},{"textAlign":53},[3727],{"text":3728,"type":50},"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":103,"attrs":3730},{"level":138,"textAlign":53},{"_uid":3732,"hide":30,"title":3733,"component":849,"description":3734},"2cb2bede-0d0e-469e-9e2b-4bc8df677c31","Comment identifier et supprimer les abonnements en doublon ou devenus inutiles ?",{"type":43,"attrs":3735,"content":3736},{"backgroundColor":53},[3737,3742],{"type":46,"attrs":3738,"content":3739},{"textAlign":53},[3740],{"text":3741,"type":50},"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":103,"attrs":3743},{"level":138,"textAlign":53},{"_uid":3745,"hide":30,"title":3746,"component":849,"description":3747},"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":43,"attrs":3748,"content":3749},{"backgroundColor":53},[3750],{"type":46,"attrs":3751,"content":3752},{"textAlign":53},[3753],{"text":3754,"type":50},"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":3756,"hide":30,"title":3757,"component":849,"description":3758},"36d62fa2-f73a-4003-b082-f1a3d5b8428d","Pourquoi les dépenses IA sont-elles plus difficiles à prévoir que les dépenses SaaS traditionnelles ?",{"type":43,"attrs":3759,"content":3760},{"backgroundColor":53},[3761,3766],{"type":46,"attrs":3762,"content":3763},{"textAlign":53},[3764],{"text":3765,"type":50},"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":103,"attrs":3767},{"level":138,"textAlign":53},{"_uid":3769,"hide":30,"title":3770,"component":849,"description":3771},"d2672715-30b5-4229-be8d-9a86e15dbd0e","Comment les équipes Finance peuvent-elles contrôler les dépenses IA variables et les factures à l’usage ?",{"type":43,"attrs":3772,"content":3773},{"backgroundColor":53},[3774],{"type":46,"attrs":3775,"content":3776},{"textAlign":53},[3777],{"text":3778,"type":50},"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":3780,"hide":30,"title":3781,"component":849,"description":3782},"0198b67b-1727-4625-97ba-394a99aa4c17","Que doivent rechercher les équipes Finance dans un logiciel de gestion des dépenses SaaS ?",{"type":43,"attrs":3783,"content":3784},{"backgroundColor":53},[3785],{"type":46,"attrs":3786,"content":3787},{"textAlign":53},[3788],{"text":3789,"type":50},"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.",[3791],{"cta":3792,"_uid":3793,"title":3794,"layout":24,"eyebrow":3802,"subtitle":3809,"component":103,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3812,"sectionSettings":3813,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"a2fc864f-9f69-4fb0-87ae-9c41e5c010df",{"type":43,"attrs":3795,"content":3796},{"backgroundColor":53},[3797],{"type":103,"attrs":3798,"content":3799},{"level":105,"textAlign":53},[3800],{"text":3801,"type":50},"Questions fréquentes sur les dépenses SaaS",{"type":43,"attrs":3803,"content":3804},{"backgroundColor":53},[3805],{"type":46,"attrs":3806,"content":3807},{"textAlign":53},[3808],{"text":902,"type":50},{"type":43,"content":3810},[3811],{"type":46},[],[],[],"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",[3824,3825,3826],{"path":3822,"name":53,"lang":59,"published":53},{"path":3822,"name":53,"lang":65,"published":53},{"path":3822,"name":53,"lang":67,"published":53},{"name":3828,"created_at":3829,"published_at":3830,"updated_at":3831,"id":3832,"uuid":3833,"content":3834,"slug":3947,"full_slug":3948,"sort_by_date":53,"position":3949,"tag_list":3950,"is_startpage":30,"parent_id":923,"meta_data":53,"group_id":3951,"first_published_at":3952,"release_id":53,"lang":59,"path":53,"alternates":3953,"default_full_slug":3954,"translated_slugs":3955},"Analyse des écarts budgétaires : méthode, seuils et actions correctives","2026-09-11T16:19:06.315Z","2026-11-03T12:09:13.302Z","2026-11-03T12:09:13.332Z",218947364137443,"f8b80f93-aaed-4e0a-b181-7f066352279f",{"_uid":3835,"title":3828,"topics":3836,"noIndex":30,"category":3845,"language":3854,"component":816,"heroMedia":3855,"publishedAt":3863,"redirectUrl":24,"listingImage":3864,"metaDescription":3865,"bottomArticleCta":3866,"componentsAfterTheArticle":3867},"a9d13a9e-a368-4d39-a661-8e1f0cd8f1da",[3837],{"name":2517,"created_at":2518,"published_at":2519,"updated_at":2520,"id":2521,"uuid":2522,"content":3838,"slug":2526,"full_slug":2527,"sort_by_date":53,"position":2528,"tag_list":3839,"is_startpage":30,"parent_id":2530,"meta_data":53,"group_id":2531,"first_published_at":2532,"release_id":53,"lang":59,"path":53,"alternates":3840,"default_full_slug":2534,"translated_slugs":3841,"_stopResolving":68},{"_uid":2524,"name":2517,"component":2525},[],[],[3842,3843,3844],{"path":2534,"name":53,"lang":59,"published":53},{"path":2534,"name":53,"lang":65,"published":53},{"path":2534,"name":53,"lang":67,"published":53},{"name":804,"created_at":805,"published_at":16,"updated_at":806,"id":807,"uuid":808,"content":3846,"slug":816,"full_slug":817,"sort_by_date":53,"position":818,"tag_list":3848,"is_startpage":30,"parent_id":820,"meta_data":53,"group_id":821,"first_published_at":822,"release_id":53,"lang":59,"path":53,"alternates":3849,"default_full_slug":824,"translated_slugs":3850,"_stopResolving":68},{"_uid":810,"icon":3847,"name":804,"component":815},{"id":812,"alt":813,"name":24,"focus":24,"title":24,"filename":814,"copyright":24,"fieldtype":29,"is_external_url":30},[],[],[3851,3852,3853],{"path":824,"name":53,"lang":59,"published":53},{"path":824,"name":53,"lang":65,"published":53},{"path":824,"name":53,"lang":67,"published":53},[59],[3856],{"_uid":3857,"link":3858,"asset":3859,"caption":24,"component":836},"96b9cd00-7f46-4d34-a6f1-e10a4bfc780b",{"id":24,"url":24,"linktype":128,"fieldtype":34,"cached_url":1985,"prep":68},{"id":3860,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3861,"copyright":24,"fieldtype":29,"meta_data":3862,"is_external_url":30},164060175892697,"https://a.storyblok.com/f/146026/1536x1024/28f26daba2/1773976987824-w4lbcl.png",{},"2026-09-11 00:00",[],"Analyse des écarts budgétaires : découvrez comment fixer les seuils, distinguer les causes et transformer le budget contre réel en outil de décision.",[],[3868],{"cta":3869,"_uid":3870,"items":3871,"heading":3922,"reverse":30,"component":910,"sectionSettings":3946},[],"d6a8d668-7819-40f6-80a8-0a4abb490995",[3872,3889,3900,3911],{"_uid":3873,"hide":30,"title":3874,"component":849,"description":3875},"cc45fb69-14ab-4c94-bfd0-533880bbebb9","Un écart favorable doit-il être analysé ?",{"type":43,"attrs":3876,"content":3877},{"backgroundColor":53},[3878],{"type":46,"attrs":3879,"content":3880},{"textAlign":53},[3881,3883,3887],{"text":3882,"type":50},"Oui. Une dépense inférieure au budget peut traduire une économie réelle, mais aussi un ",{"text":3884,"type":50,"marks":3885},"projet reporté",[3886],{"type":117},{"text":3888,"type":50},", une facture non reçue ou une charge enregistrée sur une autre période.",{"_uid":3890,"hide":30,"title":3891,"component":849,"description":3892},"6121b289-4203-4003-8a64-53daa70532f6","Quelle différence entre un écart temporaire et un écart structurel ?",{"type":43,"attrs":3893,"content":3894},{"backgroundColor":53},[3895],{"type":46,"attrs":3896,"content":3897},{"textAlign":53},[3898],{"text":3899,"type":50},"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":3901,"hide":30,"title":3902,"component":849,"description":3903},"f4ae7d56-48b1-4aad-a4f1-8e7ed055cb73","Comment adapter les seuils de matérialité à la taille de l’entreprise ?",{"type":43,"attrs":3904,"content":3905},{"backgroundColor":53},[3906],{"type":46,"attrs":3907,"content":3908},{"textAlign":53},[3909],{"text":3910,"type":50},"Fixez le seuil absolu en fonction du budget global, du niveau de détail suivi et de l’impact du poste sur le résultat. Le seuil relatif peut se situer autour de 5 à 10 %, mais il doit être ajusté selon la nature de la dépense.",{"_uid":3912,"hide":30,"title":3913,"component":849,"description":3914},"f0c5602a-3d9d-4487-bae0-0bb1640e09d4","Qui doit commenter les écarts budgétaires ?",{"type":43,"attrs":3915,"content":3916},{"backgroundColor":53},[3917],{"type":46,"attrs":3918,"content":3919},{"textAlign":53},[3920],{"text":3921,"type":50},"Le responsable de budget explique les écarts de son périmètre. Le contrôleur de gestion consolide et challenge les analyses. La direction financière intervient lorsque l’écart nécessite une décision d’allocation ou une révision de prévision.",[3923],{"cta":3924,"_uid":3925,"title":3926,"eyebrow":3934,"subtitle":3941,"component":103,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3944,"sectionSettings":3945,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"81b73c85-1b92-4497-8c4e-1801b688c08f",{"type":43,"attrs":3927,"content":3928},{"backgroundColor":53},[3929],{"type":103,"attrs":3930,"content":3931},{"level":105,"textAlign":53},[3932],{"text":3933,"type":50},"Questions fréquentes sur l'analyse des écarts budgétaires",{"type":43,"attrs":3935,"content":3936},{"backgroundColor":53},[3937],{"type":46,"attrs":3938,"content":3939},{"textAlign":53},[3940],{"text":902,"type":50},{"type":43,"content":3942},[3943],{"type":46},[],[],[],"analyse-des-ecarts-budgetaires","fr/blog/analyse-des-ecarts-budgetaires",-3430,[],"39605731-405d-4ed8-ba5f-6ee0217e6dc4","2026-09-11T16:41:03.236Z",[],"blog/analyse-des-ecarts-budgetaires",[3956,3957,3958],{"path":3954,"name":53,"lang":59,"published":53},{"path":3954,"name":53,"lang":65,"published":53},{"path":3954,"name":53,"lang":67,"published":53},{"name":3960,"created_at":3961,"published_at":3962,"updated_at":3963,"id":3964,"uuid":3965,"content":3966,"slug":4099,"full_slug":4100,"sort_by_date":53,"position":4101,"tag_list":4102,"is_startpage":30,"parent_id":923,"meta_data":53,"group_id":4103,"first_published_at":3962,"release_id":53,"lang":59,"path":53,"alternates":4104,"default_full_slug":4105,"translated_slugs":4106},"Qu’est-ce que le MCP ? 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Le MCP est un ",{"text":4030,"type":50,"marks":4031},"standard de connexion",[4032],{"type":117},{"text":4034,"type":50},". Il permet à un assistant IA d’accéder à des données et à des outils externes dans un format commun. Il ne remplace pas le modèle d’IA et ne prend pas de décision par lui-même.",{"_uid":4036,"hide":30,"title":4037,"component":849,"description":4038},"5de51167-3a0a-4cca-94e5-3a5d2c15a1ad","Quelle est la différence entre le MCP et une API ?",{"type":43,"attrs":4039,"content":4040},{"backgroundColor":53},[4041],{"type":46,"attrs":4042,"content":4043},{"textAlign":53},[4044],{"text":4045,"type":50},"Une API permet à des applications d’échanger des données ou d’exécuter des fonctions. Le MCP fournit un cadre standardisé pour rendre ces données et ces fonctions accessibles à un assistant IA, souvent à partir d’une interface en langage naturel.",{"_uid":4047,"hide":30,"title":4048,"component":849,"description":4049},"01e0f0ec-81ce-4f08-b5ab-745c84be19cc","Que peut faire un assistant IA connecté aux données Finance ?",{"type":43,"attrs":4050,"content":4051},{"backgroundColor":53},[4052],{"type":46,"attrs":4053,"content":4054},{"textAlign":53},[4055,4057,4061],{"text":4056,"type":50},"Il peut rechercher des dépenses, comparer des périodes, identifier des anomalies, préparer un reporting ou aider à repérer les factures et justificatifs manquants. 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Elle transforme une politique de dépenses générale en ",{"text":4179,"type":50,"marks":4180},"règles concrètes",[4181],{"type":117},{"text":4183,"type":50},", applicables au quotidien.",{"_uid":4185,"hide":30,"title":4186,"component":849,"description":4187},"b85b28cf-7fbb-4f91-b192-1a57f30a63ca","Combien de niveaux d’approbation faut-il prévoir ?",{"type":43,"attrs":4188,"content":4189},{"backgroundColor":53},[4190],{"type":46,"attrs":4191,"content":4192},{"textAlign":53},[4193],{"text":4194,"type":50},"Trois ou quatre niveaux couvrent la plupart des organisations : validation simple, manager, Finance, puis direction. 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Une dépense récurrente, un nouveau fournisseur ou un engagement pluriannuel peuvent nécessiter une validation renforcée, même si le montant reste inférieur au seuil habituel.",{"_uid":4213,"hide":30,"title":4214,"component":849,"description":4215},"e49e5ad1-ed3b-41f6-a8c3-00defdedd780","Comment éviter que les validations ralentissent l’entreprise ?",{"type":43,"attrs":4216,"content":4217},{"backgroundColor":53},[4218],{"type":46,"attrs":4219,"content":4220},{"textAlign":53},[4221],{"text":4222,"type":50},"Prévoyez une validation simple pour les petits montants, un approbateur de remplacement et un délai maximal de traitement. 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Il convient généralement aux services, aux abonnements et aux licences sans livraison physique.",{"type":46,"attrs":4473,"content":4474},{"textAlign":53},[4475,4477,4481],{"text":4476,"type":50},"Le rapprochement à trois voies ajoute le bon de livraison afin de contrôler ",{"text":4478,"type":50,"marks":4479},"les quantités réellement reçues",[4480],{"type":117},{"text":170,"type":50},{"_uid":4483,"hide":30,"title":4484,"component":849,"description":4485},"ebc3eb86-83d0-4ca3-8c37-778b8a5a0ac1","Quels écarts le rapprochement permet-il de détecter ?",{"type":43,"attrs":4486,"content":4487},{"backgroundColor":53},[4488,4493],{"type":46,"attrs":4489,"content":4490},{"textAlign":53},[4491],{"text":4492,"type":50},"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":46,"attrs":4494,"content":4495},{"textAlign":53},[4496,4498,4502],{"text":4497,"type":50},"Chaque écart doit ensuite être analysé selon ",{"text":4499,"type":50,"marks":4500},"les seuils et les règles définis par l’entreprise",[4501],{"type":117},{"text":170,"type":50},{"_uid":4504,"hide":30,"title":4505,"component":849,"description":4506},"aa2e2273-ef2c-4887-ab07-9c3e9c8fce3e","Le rapprochement à trois voies est-il obligatoire en France ?",{"type":43,"attrs":4507,"content":4508},{"backgroundColor":53},[4509,4514],{"type":46,"attrs":4510,"content":4511},{"textAlign":53},[4512],{"text":4513,"type":50},"Non, le three-way matching n’est pas une obligation légale générale. 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En pratique, alignez la conservation de l'avoir sur celle de la facture qu'il corrige.",{"_uid":4633,"title":4634,"component":849,"description":4635},"a77d9fc2-b790-4411-8b1b-4fbc74d5a5b0","Faut-il enregistrer la facture d'acompte elle-même ou seulement le paiement ?",{"type":43,"content":4636},[4637],{"type":46,"attrs":4638,"content":4639},{"textAlign":53},[4640],{"text":4641,"type":50},"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":4643,"title":4644,"component":849,"description":4645},"6c69d821-04e6-41b3-bfd1-d78288b6be4a","Quelle différence entre un avoir et un remboursement ?",{"type":43,"content":4646},[4647],{"type":46,"attrs":4648,"content":4649},{"textAlign":53},[4650],{"text":4651,"type":50},"L'avoir vient en déduction d'une facture à venir du même fournisseur, sans mouvement de trésorerie immédiat. 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00:00",[],"Facture d’acompte fournisseur, découvrez son calcul, les règles de TVA et les contrôles à effectuer avant le rapprochement avec la facture de solde.\n",[],[4778],{"cta":4779,"_uid":4780,"items":4781,"heading":4876,"reverse":30,"component":910,"sectionSettings":4902},[],"14e773e4-85a2-422c-acbc-8f11dcdf65a2",[4782,4803,4830,4854],{"_uid":4783,"hide":30,"title":4784,"component":849,"description":4785},"1685b4c9-e3d0-4743-9cec-6f2a0263ae82","La facture d’acompte est-elle obligatoire ?",{"type":43,"attrs":4786,"content":4787},{"backgroundColor":53},[4788,4793],{"type":46,"attrs":4789,"content":4790},{"textAlign":53},[4791],{"text":4792,"type":50},"Oui. Le fournisseur doit émettre une facture lorsqu’il encaisse un acompte, conformément à l’article 289 du Code général des impôts.",{"type":46,"attrs":4794,"content":4795},{"textAlign":53},[4796,4798,4802],{"text":4797,"type":50},"La facture doit comporter les mentions obligatoires, préciser qu’il s’agit d’un acompte et disposer ",{"text":4799,"type":50,"marks":4800},"d’un numéro appartenant à la série continue de facturation",[4801],{"type":117},{"text":170,"type":50},{"_uid":4804,"hide":30,"title":4805,"component":849,"description":4806},"e5c6a6d0-b87e-4842-a0ff-ae7513621fb9","La TVA est-elle due dès l’encaissement de l’acompte ?",{"type":43,"attrs":4807,"content":4808},{"backgroundColor":53},[4809,4814,4819],{"type":46,"attrs":4810,"content":4811},{"textAlign":53},[4812],{"text":4813,"type":50},"Oui, selon la nature de l’opération.",{"type":46,"attrs":4815,"content":4816},{"textAlign":53},[4817],{"text":4818,"type":50},"Pour les livraisons de biens, la TVA est exigible dès l’encaissement de l’acompte depuis le 1er janvier 2023. Pour les prestations de services, elle est en principe exigible dès l’encaissement.",{"type":46,"attrs":4820,"content":4821},{"textAlign":53},[4822,4824,4828],{"text":4823,"type":50},"La TVA facturée sur l’acompte doit être déduite ",{"text":4825,"type":50,"marks":4826},"une seule fois",[4827],{"type":117},{"text":4829,"type":50},", puis soustraite du montant restant à récupérer sur la facture de solde.",{"_uid":4831,"hide":30,"title":4832,"component":849,"description":4833},"ec8e23bc-5d17-4821-a1a0-77c2be8d9ccc","Un acompte est-il remboursable ?",{"type":43,"attrs":4834,"content":4835},{"backgroundColor":53},[4836,4841],{"type":46,"attrs":4837,"content":4838},{"textAlign":53},[4839],{"text":4840,"type":50},"En principe, l’acompte engage fermement les deux parties et n’est pas remboursable du seul fait d’un désistement.",{"type":46,"attrs":4842,"content":4843},{"textAlign":53},[4844,4846,4853],{"text":4845,"type":50},"Le remboursement peut toutefois intervenir lorsque le fournisseur n’exécute pas la prestation, lorsque le contrat le prévoit ou lorsque les parties conviennent d’annuler l’opération. Les arrhes obéissent à un régime différent, prévu par ",{"text":4847,"type":50,"marks":4848},"l’article 1590 du Code civil",[4849,4852],{"type":124,"attrs":4850},{"href":4851,"uuid":53,"anchor":53,"target":1970,"linktype":33},"https://www.service-public.gouv.fr/particuliers/vosdroits/F31187",{"type":117},{"text":170,"type":50},{"_uid":4855,"hide":30,"title":4856,"component":849,"description":4857},"7247af96-de8d-41d1-8544-0e3e3671eaad","Quelle différence entre une facture d’acompte et une facture de situation ?",{"type":43,"attrs":4858,"content":4859},{"backgroundColor":53},[4860,4865],{"type":46,"attrs":4861,"content":4862},{"textAlign":53},[4863],{"text":4864,"type":50},"La facture d’acompte correspond à un paiement anticipé prévu avant la livraison ou le début de la prestation.",{"type":46,"attrs":4866,"content":4867},{"textAlign":53},[4868,4870,4874],{"text":4869,"type":50},"La facture de situation correspond à ",{"text":4871,"type":50,"marks":4872},"l’avancement réel d’une prestation ou de travaux",[4873],{"type":117},{"text":4875,"type":50},". 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hors politique, apprenez à qualifier les exceptions, les faire valider et ajuster votre politique sans perdre le contrôle.",[],[4962],{"cta":4963,"_uid":4964,"items":4965,"heading":5050,"reverse":30,"component":910,"sectionSettings":5076},[],"3109170e-b9ac-4f67-827b-0d2dde5b3215",[4966,4986,5007,5028],{"_uid":4967,"hide":30,"title":4968,"component":849,"description":4969},"27b28cef-99af-430e-b805-f7e215234ce6","Peut-on refuser une note de frais hors politique ?",{"type":43,"attrs":4970,"content":4971},{"backgroundColor":53},[4972,4977],{"type":46,"attrs":4973,"content":4974},{"textAlign":53},[4975],{"text":4976,"type":50},"Oui, une dépense peut être refusée lorsqu’elle n’est pas professionnelle, qu’elle n’est pas justifiée ou que son montant est manifestement disproportionné.",{"type":46,"attrs":4978,"content":4979},{"textAlign":53},[4980,4982],{"text":4981,"type":50},"Un dépassement de plafond ne justifie toutefois pas toujours un refus automatique. ",{"text":4983,"type":50,"marks":4984},"Une exception peut être approuvée si son motif est réel, documenté et validé par la bonne personne.",[4985],{"type":117},{"_uid":4987,"hide":30,"title":4988,"component":849,"description":4989},"75c18d2c-1c96-47f9-9cf3-fc2b92b6030a","Une dépense qui dépasse le plafond peut-elle être remboursée ?",{"type":43,"attrs":4990,"content":4991},{"backgroundColor":53},[4992,4997],{"type":46,"attrs":4993,"content":4994},{"textAlign":53},[4995],{"text":4996,"type":50},"Oui. Le collaborateur doit expliquer le dépassement et fournir le justificatif correspondant. L’entreprise peut alors rembourser la totalité de la dépense, seulement la partie située dans la limite prévue ou le montant complet après validation d’une dérogation.",{"type":46,"attrs":4998,"content":4999},{"textAlign":53},[5000,5002,5006],{"text":5001,"type":50},"La décision doit être conservée avec ",{"text":5003,"type":50,"marks":5004},"le motif et l’identité de l’approbateur",[5005],{"type":117},{"text":170,"type":50},{"_uid":5008,"hide":30,"title":5009,"component":849,"description":5010},"78ff17a9-6bf7-42a1-9f2f-6b4df31426df","Quels documents faut-il conserver pour une dépense exceptionnelle ?",{"type":43,"attrs":5011,"content":5012},{"backgroundColor":53},[5013,5018],{"type":46,"attrs":5014,"content":5015},{"textAlign":53},[5016],{"text":5017,"type":50},"Conservez la note de frais, le justificatif, le motif de l’exception, le nom de l’approbateur et la décision prise.",{"type":46,"attrs":5019,"content":5020},{"textAlign":53},[5021,5023,5027],{"text":5022,"type":50},"Les pièces comptables justificatives doivent généralement être conservées pendant ",{"text":5024,"type":50,"marks":5025},"10 ans à compter de la clôture de l’exercice",[5026],{"type":117},{"text":170,"type":50},{"_uid":5029,"hide":30,"title":5030,"component":849,"description":5031},"8241b13f-9432-4542-afb9-21d31af88bd4","Comment gérer les exceptions dans une organisation multi-sites ?",{"type":43,"attrs":5032,"content":5033},{"backgroundColor":53},[5034,5039],{"type":46,"attrs":5035,"content":5036},{"textAlign":53},[5037],{"text":5038,"type":50},"Définissez les approbateurs par entité, département et niveau de dépense. Prévoyez également une délégation en cas d’absence et une escalade automatique après un délai déterminé.",{"type":46,"attrs":5040,"content":5041},{"textAlign":53},[5042,5044,5048],{"text":5043,"type":50},"Cette organisation permet à chaque équipe de conserver ",{"text":5045,"type":50,"marks":5046},"un cadre adapté à son activité",[5047],{"type":117},{"text":5049,"type":50},", tout en appliquant des règles cohérentes dans l’ensemble de l’entreprise.",[5051],{"cta":5052,"_uid":5053,"title":5054,"eyebrow":5064,"subtitle":5071,"component":103,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":5074,"sectionSettings":5075,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"c107e149-d5dd-4842-9420-50aeadfd20fc",{"type":43,"attrs":5055,"content":5056},{"backgroundColor":53},[5057],{"type":103,"attrs":5058,"content":5059},{"level":105,"textAlign":53},[5060],{"text":5061,"type":50,"marks":5062},"Questions fréquentes sur les dépenses hors politique",[5063],{"type":117},{"type":43,"attrs":5065,"content":5066},{"backgroundColor":53},[5067],{"type":46,"attrs":5068,"content":5069},{"textAlign":53},[5070],{"text":902,"type":50},{"type":43,"content":5072},[5073],{"type":46},[],[],[],"depenses-hors-politique","fr/blog/depenses-hors-politique",-3240,[],"7cdf2e57-e009-48ec-9480-b29699632b7e","2026-09-05T07:33:16.361Z",[],"blog/depenses-hors-politique",[5086,5087,5088],{"path":5084,"name":53,"lang":59,"published":53},{"path":5084,"name":53,"lang":65,"published":53},{"path":5084,"name":53,"lang":67,"published":53},[5090,5091,5092,5093],["Reactive",3619],["Reactive",4260],["Reactive",2506],["Reactive",3827],1793720702925]