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Mais cette autonomie soulève rapidement une question pour le DAF ou le responsable administratif et financier : ",{"text":216,"type":179,"marks":217},"qui peut dépenser, pour quel besoin et jusqu’à quel montant ?",[218],{"type":206},{"type":173,"attrs":220,"content":222},{"textAlign":26,"key":221},"p-2",[223,225,229],{"text":224,"type":179},"Le bon équilibre ne consiste pas à bloquer les cartes ou à fixer des plafonds très élevés. Il consiste à attribuer à chaque collaborateur ",{"text":226,"type":179,"marks":227},"le niveau de dépense nécessaire à son rôle",[228],{"type":206},{"text":230,"type":179},", puis à ajuster ce niveau lorsque le contexte change.",{"type":232,"attrs":233},"blok",{"id":234,"body":235},"ed8ce364-7d6b-4cbb-8277-b2f1add09a5b",[236],{"_uid":237,"text":238,"color":239,"title":240,"component":241},"i-c4749181-4be4-4aee-9b5f-aa3b030de7f8","- Le **plafond de carte** doit correspondre au besoin opérationnel et au niveau de risque de chaque collaborateur.\n\n\n- Un plafond peut être défini par carte, par période, par transaction, par catégorie de dépense ou par projet.\n- Les **hausses temporaires** sont généralement plus sûres que des plafonds permanents trop élevés.\n- Le contrôle avant paiement repose sur les plafonds, les règles de marchand et les validations nécessaires.\n- Le contrôle après paiement repose sur les justificatifs, la catégorisation, le rapprochement et la traçabilité.\n- Les cartes doivent être attribuées nominativement, suivies depuis une interface centralisée et désactivées lors du départ d’un collaborateur.\n- Les cartes virtuelles à usage unique limitent le risque lié aux achats en ligne et à la fuite de données.\n- Une carte entreprise plafonnée apporte souvent **plus de contrôle en amont** qu’une note de frais classique.","orange","📌 À retenir","callout",{"type":243,"attrs":244,"content":246},"heading",{"level":245,"textAlign":26},2,[247],{"text":248,"type":179,"marks":249},"Pourquoi le plafond est-il le premier levier de contrôle ?",[250],{"type":206},{"type":173,"attrs":252,"content":254},{"textAlign":26,"key":253},"p-3",[255,257,261],{"text":256,"type":179},"Le plafond d’une carte entreprise correspond à ",{"text":258,"type":179,"marks":259},"la limite de dépense autorisée pour un porteur et une période donnée",[260],{"type":206},{"text":262,"type":179},". Il peut également s’appliquer à une transaction, une catégorie de marchand, un projet ou un type de carte.",{"type":173,"attrs":264,"content":266},{"textAlign":26,"key":265},"p-4",[267],{"text":268,"type":179},"Il faut distinguer le plafond de paiement du plafond de retrait. Le premier encadre les achats courants, tandis que le second limite les retraits d’espèces, qui sont souvent plus difficiles à tracer et à justifier.",{"type":173,"attrs":270,"content":272},{"textAlign":26,"key":271},"p-5",[273,275,279],{"text":274,"type":179},"Un plafond bien calibré remplit deux fonctions. Il empêche mécaniquement certains dépassements, tout en laissant au collaborateur ",{"text":276,"type":179,"marks":277},"une marge suffisante pour réaliser ses dépenses professionnelles",[278],{"type":206},{"text":208,"type":179},{"type":173,"attrs":281,"content":283},{"textAlign":26,"key":282},"p-6",[284,286,290],{"text":285,"type":179},"Un assistant administratif qui achète principalement des fournitures de bureau n’a pas les mêmes besoins qu’un commercial qui réserve des hôtels, des billets de train et des repas clients. Le même outil de paiement peut répondre aux deux situations, à condition d’appliquer ",{"text":287,"type":179,"marks":288},"des règles proportionnées au rôle",[289],{"type":206},{"text":208,"type":179},{"type":173,"attrs":292,"content":294},{"textAlign":26,"key":293},"p-7",[295,297,306],{"text":296,"type":179},"Pour approfondir la gestion des cartes, consultez notre article sur les ",{"text":298,"type":179,"marks":299},"cartes bancaires d’entreprise",[300,305],{"type":301,"attrs":302},"link",{"href":303,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/cartes-bancaires-entreprise/","_blank",{"type":206},{"text":208,"type":179},{"type":232,"attrs":308},{"id":234,"body":309},[310],{"_uid":311,"asset":312,"caption":52,"component":316},"i-0b5e04b6-b2b2-4d74-87b0-476c6a13104d",{"id":313,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":314,"copyright":52,"fieldtype":154,"meta_data":315,"is_external_url":29},17899429,"https://a.storyblok.com/f/146026/1216x810/1e2b403194/pay-with-tap_apple-pay-page.png",{},"image",{"type":243,"attrs":318,"content":319},{"level":245,"textAlign":26},[320],{"text":321,"type":179,"marks":322},"Comment fixer les plafonds des cartes entreprise ?",[323],{"type":206},{"type":173,"attrs":325,"content":327},{"textAlign":26,"key":326},"p-8",[328,330,334],{"text":329,"type":179},"La première erreur consiste à fixer un plafond identique pour tous les collaborateurs. Un montant rond, comme 1 000 € par mois, est simple à retenir, mais il ne reflète pas nécessairement ",{"text":331,"type":179,"marks":332},"la réalité des dépenses de chaque métier",[333],{"type":206},{"text":208,"type":179},{"type":173,"attrs":336,"content":338},{"textAlign":26,"key":337},"p-9",[339],{"text":340,"type":179},"Commencez par analyser l’historique des dépenses, les catégories utilisées et les périodes de forte activité. Vous pouvez ensuite ajouter une marge raisonnable, par exemple 10 à 15 %, afin d’absorber les variations sans transformer cette marge en budget permanent.",{"type":243,"attrs":342,"content":344},{"level":343,"textAlign":26},3,[345],{"text":346,"type":179,"marks":347},"Quels plafonds attribuer selon le profil ?",[348],{"type":206},{"type":173,"attrs":350,"content":352},{"textAlign":26,"key":351},"p-10",[353],{"text":354,"type":179},"Les montants ci-dessous sont uniquement des points de départ. 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",{"text":635,"type":179,"marks":636},"Un commercial peut par exemple disposer d’un budget transport élevé tout en étant limité sur les retraits ou les achats hors politique.",[637],{"type":206},{"type":243,"attrs":639,"content":640},{"level":343,"textAlign":26},[641],{"text":642,"type":179,"marks":643},"Pourquoi privilégier les hausses temporaires ?",[644],{"type":206},{"type":173,"attrs":646,"content":648},{"textAlign":26,"key":647},"p-40",[649],{"text":650,"type":179},"Les hausses temporaires permettent d’adapter le budget à un événement précis sans augmenter durablement le niveau de risque.",{"type":173,"attrs":652,"content":654},{"textAlign":26,"key":653},"p-41",[655],{"text":656,"type":179},"Un responsable financier peut relever le plafond d’un commercial de 3 000 à 5 000 € pendant 48 heures pour couvrir un salon professionnel. Une fois la période terminée, le plafond revient automatiquement à son niveau habituel.",{"type":173,"attrs":658,"content":660},{"textAlign":26,"key":659},"p-42",[661,663,667],{"text":662,"type":179},"Cette méthode évite de conserver des limites élevées toute l’année pour répondre à ",{"text":664,"type":179,"marks":665},"un besoin exceptionnel de quelques jours",[666],{"type":206},{"text":208,"type":179},{"type":173,"attrs":669,"content":671},{"textAlign":26,"key":670},"p-43",[672,674,681],{"text":673,"type":179},"Avec Spendesk, l’équipe finance peut ajuster les limites selon la carte, l’utilisateur, le projet ou la catégorie. Les limites peuvent être modifiées depuis l’interface, sans avoir à demander une nouvelle carte à la banque. 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dépense",{"type":399,"attrs":857,"content":858},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[859],{"type":173,"attrs":860,"content":861},{"textAlign":26,"key":337},[862],{"text":863,"type":179},"Justificatif, catégorisation, rapprochement, contrôle budgétaire",{"type":243,"attrs":865,"content":866},{"level":343,"textAlign":26},[867],{"text":868,"type":179,"marks":869},"Comment fonctionne le contrôle avant paiement ?",[870],{"type":206},{"type":173,"attrs":872,"content":873},{"textAlign":26,"key":351},[874],{"text":875,"type":179},"Le contrôle avant paiement repose sur plusieurs mécanismes complémentaires.",{"type":173,"attrs":877,"content":878},{"textAlign":26,"key":368},[879],{"text":880,"type":179},"Les plafonds refusent automatiquement les transactions qui dépassent le montant autorisé. Les restrictions par catégorie peuvent bloquer les secteurs qui ne correspondent pas à l’activité de l’entreprise. Les workflows permettent enfin de faire valider une demande d’achat ou une augmentation temporaire avant de libérer le budget.",{"type":173,"attrs":882,"content":883},{"textAlign":26,"key":379},[884,886,890],{"text":885,"type":179},"Un collaborateur qui demande une enveloppe supplémentaire pour un déplacement peut ainsi soumettre sa demande à son manager. ",{"text":887,"type":179,"marks":888},"La dépense est contrôlée avant que le budget ne soit engagé",[889],{"type":206},{"text":891,"type":179},", et non après réception de la note de frais.",{"type":243,"attrs":893,"content":894},{"level":343,"textAlign":26},[895],{"text":896,"type":179,"marks":897},"Comment fonctionne le contrôle après paiement ?",[898],{"type":206},{"type":173,"attrs":900,"content":901},{"textAlign":26,"key":390},[902],{"text":903,"type":179},"Le contrôle après paiement intervient une fois la transaction enregistrée. Il consiste à :",{"type":569,"content":905},[906,913,920,927,934,941],{"type":572,"content":907},[908],{"type":173,"attrs":909,"content":910},{"textAlign":26,"key":404},[911],{"text":912,"type":179},"collecter le justificatif ;",{"type":572,"content":914},[915],{"type":173,"attrs":916,"content":917},{"textAlign":26,"key":413},[918],{"text":919,"type":179},"vérifier la catégorie de dépense ;",{"type":572,"content":921},[922],{"type":173,"attrs":923,"content":924},{"textAlign":26,"key":422},[925],{"text":926,"type":179},"contrôler le montant ;",{"type":572,"content":928},[929],{"type":173,"attrs":930,"content":931},{"textAlign":26,"key":433},[932],{"text":933,"type":179},"rapprocher l’opération du budget ;",{"type":572,"content":935},[936],{"type":173,"attrs":937,"content":938},{"textAlign":26,"key":442},[939],{"text":940,"type":179},"associer la dépense à un projet ou à un centre de coût ;",{"type":572,"content":942},[943],{"type":173,"attrs":944,"content":945},{"textAlign":26,"key":451},[946],{"text":947,"type":179},"identifier les éventuelles anomalies.",{"type":173,"attrs":949,"content":950},{"textAlign":26,"key":462},[951,953,957],{"text":952,"type":179},"Cette étape permet de maintenir ",{"text":954,"type":179,"marks":955},"une traçabilité complète de la dépense",[956],{"type":206},{"text":958,"type":179},", depuis le paiement jusqu’à son traitement comptable.",{"type":243,"attrs":960,"content":961},{"level":343,"textAlign":26},[962],{"text":963,"type":179,"marks":964},"Pourquoi le contrôle après paiement ne suffit-il pas ?",[965],{"type":206},{"type":173,"attrs":967,"content":968},{"textAlign":26,"key":471},[969],{"text":970,"type":179},"Un contrôle exclusivement réalisé après paiement transforme souvent l’équipe finance en gestionnaire d’exceptions.",{"type":173,"attrs":972,"content":973},{"textAlign":26,"key":479},[974,976,980],{"text":975,"type":179},"Un renouvellement de licence logicielle de 1 200 € découvert trois semaines après la facturation ne peut plus être arbitré en amont. L’équipe peut encore demander un justificatif ou contester la dépense, mais ",{"text":977,"type":179,"marks":978},"elle ne peut plus empêcher l’engagement initial",[979],{"type":206},{"text":208,"type":179},{"type":173,"attrs":982,"content":983},{"textAlign":26,"key":490},[984],{"text":985,"type":179},"La combinaison des deux approches est donc plus efficace. Le contrôle avant paiement prévient les dépenses non conformes, tandis que le contrôle après paiement garantit la complétude des justificatifs et de la comptabilisation.",{"type":243,"attrs":987,"content":988},{"level":245,"textAlign":26},[989],{"text":990,"type":179,"marks":991},"Comment piloter un portefeuille de cartes entreprise ?",[992],{"type":206},{"type":173,"attrs":994,"content":995},{"textAlign":26,"key":499},[996,998,1002],{"text":997,"type":179},"La gestion quotidienne d’un parc de cartes dépasse le simple paramétrage des plafonds. Dès que plusieurs collaborateurs disposent d’une carte, l’équipe finance doit pouvoir suivre ",{"text":999,"type":179,"marks":1000},"les porteurs, les limites, les transactions et les accès",[1001],{"type":206},{"text":1003,"type":179}," depuis une même interface.",{"type":243,"attrs":1005,"content":1006},{"level":343,"textAlign":26},[1007],{"text":1008,"type":179,"marks":1009},"Pourquoi attribuer chaque carte nominativement ?",[1010],{"type":206},{"type":173,"attrs":1012,"content":1013},{"textAlign":26,"key":508},[1014],{"text":1015,"type":179},"Chaque carte doit être rattachée à un seul collaborateur. Une carte partagée entre plusieurs personnes brouille la traçabilité et empêche d’appliquer un plafond adapté au profil de chaque utilisateur.",{"type":232,"attrs":1017},{"id":234,"body":1018},[1019],{"_uid":1020,"asset":1021,"caption":52,"component":316},"i-42459177-c244-4238-aa56-1b1c8ed2f156",{"id":1022,"alt":52,"name":52,"focus":52,"title":52,"source":52,"filename":1023,"copyright":52,"fieldtype":154,"meta_data":1024,"is_external_url":29},208918519163164,"https://a.storyblok.com/f/146026/1600x1067/6391d7c2f9/dts_grand_design_daniel_faro_photos_id4129.jpg",{"size":1025},"1600x1067",{"type":173,"attrs":1027,"content":1028},{"textAlign":26,"key":519},[1029,1031,1035],{"text":1030,"type":179},"L’attribution nominative permet de relier chaque transaction à ",{"text":1032,"type":179,"marks":1033},"un responsable identifié",[1034],{"type":206},{"text":1036,"type":179},". Elle facilite également les relances lorsqu’un justificatif manque ou lorsqu’une dépense nécessite une explication.",{"type":173,"attrs":1038,"content":1039},{"textAlign":26,"key":528},[1040,1042,1049],{"text":1041,"type":179},"Les cartes partagées peuvent également créer des difficultés lors de la gestion des départs et des changements d’équipe. Pour approfondir ce sujet, consultez notre article sur la ",{"text":1043,"type":179,"marks":1044},"carte bancaire d’entreprise partagée",[1045,1048],{"type":301,"attrs":1046},{"href":1047,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/carte-entreprise-partagee/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1051,"content":1052},{"level":343,"textAlign":26},[1053],{"text":1054,"type":179,"marks":1055},"Pourquoi centraliser la gestion des cartes ?",[1056],{"type":206},{"type":173,"attrs":1058,"content":1059},{"textAlign":26,"key":537},[1060],{"text":1061,"type":179},"Un tableau de bord centralisé doit permettre de visualiser :",{"type":569,"content":1063},[1064,1071,1078,1085,1092,1099,1106],{"type":572,"content":1065},[1066],{"type":173,"attrs":1067,"content":1068},{"textAlign":26,"key":543},[1069],{"text":1070,"type":179},"les cartes actives ;",{"type":572,"content":1072},[1073],{"type":173,"attrs":1074,"content":1075},{"textAlign":26,"key":549},[1076],{"text":1077,"type":179},"les plafonds ;",{"type":572,"content":1079},[1080],{"type":173,"attrs":1081,"content":1082},{"textAlign":26,"key":564},[1083],{"text":1084,"type":179},"les dernières transactions ;",{"type":572,"content":1086},[1087],{"type":173,"attrs":1088,"content":1089},{"textAlign":26,"key":576},[1090],{"text":1091,"type":179},"les demandes en attente ;",{"type":572,"content":1093},[1094],{"type":173,"attrs":1095,"content":1096},{"textAlign":26,"key":584},[1097],{"text":1098,"type":179},"les cartes bloquées ;",{"type":572,"content":1100},[1101],{"type":173,"attrs":1102,"content":1103},{"textAlign":26,"key":592},[1104],{"text":1105,"type":179},"les justificatifs manquants ;",{"type":572,"content":1107},[1108],{"type":173,"attrs":1109,"content":1110},{"textAlign":26,"key":600},[1111],{"text":1112,"type":179},"les dépenses par équipe ou par catégorie.",{"type":173,"attrs":1114,"content":1115},{"textAlign":26,"key":608},[1116,1118],{"text":1117,"type":179},"Cette vision évite de naviguer entre plusieurs fichiers ou interfaces bancaires pour reconstituer la situation du portefeuille. ",{"text":1119,"type":179,"marks":1120},"La finance peut repérer plus rapidement les anomalies et agir avant la clôture.",[1121],{"type":206},{"type":243,"attrs":1123,"content":1124},{"level":343,"textAlign":26},[1125],{"text":1126,"type":179,"marks":1127},"Faut-il formaliser une charte d’utilisation ?",[1128],{"type":206},{"type":173,"attrs":1130,"content":1131},{"textAlign":26,"key":616},[1132],{"text":1133,"type":179},"Une charte d’utilisation n’est pas toujours légalement obligatoire, mais elle clarifie les règles applicables à chaque porteur.",{"type":173,"attrs":1135,"content":1136},{"textAlign":26,"key":624},[1137],{"text":1138,"type":179},"Elle peut préciser :",{"type":569,"content":1140},[1141,1148,1155,1162,1169,1176,1183],{"type":572,"content":1142},[1143],{"type":173,"attrs":1144,"content":1145},{"textAlign":26,"key":630},[1146],{"text":1147,"type":179},"les dépenses autorisées ;",{"type":572,"content":1149},[1150],{"type":173,"attrs":1151,"content":1152},{"textAlign":26,"key":647},[1153],{"text":1154,"type":179},"les catégories interdites ;",{"type":572,"content":1156},[1157],{"type":173,"attrs":1158,"content":1159},{"textAlign":26,"key":653},[1160],{"text":1161,"type":179},"le délai de transmission des justificatifs ;",{"type":572,"content":1163},[1164],{"type":173,"attrs":1165,"content":1166},{"textAlign":26,"key":659},[1167],{"text":1168,"type":179},"les règles de demande d’augmentation de plafond ;",{"type":572,"content":1170},[1171],{"type":173,"attrs":1172,"content":1173},{"textAlign":26,"key":670},[1174],{"text":1175,"type":179},"les niveaux d’approbation ;",{"type":572,"content":1177},[1178],{"type":173,"attrs":1179,"content":1180},{"textAlign":26,"key":691},[1181],{"text":1182,"type":179},"les comportements à adopter en cas de perte ou de vol ;",{"type":572,"content":1184},[1185],{"type":173,"attrs":1186,"content":1187},{"textAlign":26,"key":707},[1188],{"text":1189,"type":179},"les conséquences d’un usage personnel.",{"type":173,"attrs":1191,"content":1192},{"textAlign":26,"key":717},[1193,1195,1199],{"text":1194,"type":179},"Une charte bien rédigée facilite ",{"text":1196,"type":179,"marks":1197},"l’intégration des nouveaux collaborateurs",[1198],{"type":206},{"text":1200,"type":179}," et donne un cadre commun aux équipes.",{"type":243,"attrs":1202,"content":1203},{"level":343,"textAlign":26},[1204],{"text":1205,"type":179,"marks":1206},"Que faire lors du départ d’un collaborateur ?",[1207],{"type":206},{"type":173,"attrs":1209,"content":1210},{"textAlign":26,"key":725},[1211],{"text":1212,"type":179},"La carte doit être désactivée dès le départ du collaborateur, ou dès que son accès aux dépenses de l’entreprise n’est plus nécessaire.",{"type":173,"attrs":1214,"content":1215},{"textAlign":26,"key":733},[1216],{"text":1217,"type":179},"Intégrez cette étape au processus d’offboarding avec les ressources humaines. Vérifiez également les abonnements récurrents, les cartes virtuelles et les autorisations liées au porteur.",{"type":173,"attrs":1219,"content":1220},{"textAlign":26,"key":741},[1221],{"text":1222,"type":179,"marks":1223},"Une carte inactive mais toujours disponible reste une source de risque inutile.",[1224],{"type":206},{"type":243,"attrs":1226,"content":1227},{"level":245,"textAlign":26},[1228],{"text":1229,"type":179,"marks":1230},"Comment protéger les cartes contre la fraude ?",[1231],{"type":206},{"type":173,"attrs":1233,"content":1234},{"textAlign":26,"key":749},[1235,1237,1241],{"text":1236,"type":179},"La sécurité repose sur plusieurs couches. Une entreprise doit pouvoir ",{"text":1238,"type":179,"marks":1239},"prévenir la transaction, limiter son montant, détecter une anomalie et bloquer rapidement la carte",[1240],{"type":206},{"text":208,"type":179},{"type":243,"attrs":1243,"content":1244},{"level":343,"textAlign":26},[1245],{"text":1246,"type":179,"marks":1247},"Comment réagir en cas de perte ou de vol ?",[1248],{"type":206},{"type":173,"attrs":1250,"content":1251},{"textAlign":26,"key":755},[1252],{"text":1253,"type":179},"Une carte physique perdue ou volée doit pouvoir être bloquée immédiatement. Le titulaire ou l’équipe finance doit disposer d’une interface simple pour suspendre la carte, vérifier les dernières transactions et signaler une opération inconnue.",{"type":173,"attrs":1255,"content":1257},{"textAlign":26,"key":1256},"p-52",[1258,1260],{"text":1259,"type":179},"Une directrice administrative constate la disparition du portefeuille d’un consultant lors d’un déplacement à Lyon. Elle suspend la carte depuis son interface et vérifie les transactions récentes. ",{"text":1261,"type":179,"marks":1262},"La rapidité du blocage limite la fenêtre pendant laquelle une utilisation frauduleuse peut avoir lieu.",[1263],{"type":206},{"type":173,"attrs":1265,"content":1267},{"textAlign":26,"key":1266},"p-53",[1268,1270,1277],{"text":1269,"type":179},"Pour approfondir les bonnes pratiques, consultez notre article sur la ",{"text":1271,"type":179,"marks":1272},"sécurité des paiements en ligne",[1273,1276],{"type":301,"attrs":1274},{"href":1275,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/securite-paiements-en-ligne/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1279,"content":1280},{"level":343,"textAlign":26},[1281],{"text":1282,"type":179,"marks":1283},"Pourquoi limiter les retraits d’espèces ?",[1284],{"type":206},{"type":173,"attrs":1286,"content":1288},{"textAlign":26,"key":1287},"p-54",[1289],{"text":1290,"type":179},"Les retraits d’espèces sont souvent plus difficiles à tracer et à rattacher à un justificatif qu’un paiement par carte.",{"type":173,"attrs":1292,"content":1294},{"textAlign":26,"key":1293},"p-55",[1295,1297],{"text":1296,"type":179},"Sauf besoin professionnel clairement identifié, désactivez cette fonction ou limitez-la à un montant faible. ",{"text":1298,"type":179,"marks":1299},"La restriction des retraits réduit l’exposition à une utilisation difficile à contrôler.",[1300],{"type":206},{"type":243,"attrs":1302,"content":1303},{"level":343,"textAlign":26},[1304],{"text":1305,"type":179,"marks":1306},"Comment bloquer certaines catégories de marchands ?",[1307],{"type":206},{"type":173,"attrs":1309,"content":1311},{"textAlign":26,"key":1310},"p-56",[1312],{"text":1313,"type":179},"Les restrictions par catégorie de marchand permettent d’empêcher les paiements dans des secteurs qui ne correspondent pas à la politique de dépenses.",{"type":173,"attrs":1315,"content":1317},{"textAlign":26,"key":1316},"p-57",[1318],{"text":1319,"type":179},"Une entreprise peut par exemple bloquer :",{"type":569,"content":1321},[1322,1330,1338,1346,1354],{"type":572,"content":1323},[1324],{"type":173,"attrs":1325,"content":1327},{"textAlign":26,"key":1326},"p-58",[1328],{"text":1329,"type":179},"les casinos ;",{"type":572,"content":1331},[1332],{"type":173,"attrs":1333,"content":1335},{"textAlign":26,"key":1334},"p-59",[1336],{"text":1337,"type":179},"les sites de jeux en ligne ;",{"type":572,"content":1339},[1340],{"type":173,"attrs":1341,"content":1343},{"textAlign":26,"key":1342},"p-60",[1344],{"text":1345,"type":179},"certains distributeurs de billets ;",{"type":572,"content":1347},[1348],{"type":173,"attrs":1349,"content":1351},{"textAlign":26,"key":1350},"p-61",[1352],{"text":1353,"type":179},"des marchands situés dans des zones géographiques non couvertes ;",{"type":572,"content":1355},[1356],{"type":173,"attrs":1357,"content":1359},{"textAlign":26,"key":1358},"p-62",[1360],{"text":1361,"type":179},"des catégories sans rapport avec l’activité.",{"type":173,"attrs":1363,"content":1365},{"textAlign":26,"key":1364},"p-63",[1366],{"text":1367,"type":179},"Le paramétrage doit toutefois prévoir des exceptions lorsque l’activité de certains collaborateurs l’exige.",{"type":243,"attrs":1369,"content":1370},{"level":343,"textAlign":26},[1371],{"text":1372,"type":179,"marks":1373},"Les paiements en ligne nécessitent-ils une authentification forte ?",[1374],{"type":206},{"type":173,"attrs":1376,"content":1378},{"textAlign":26,"key":1377},"p-64",[1379,1381,1385],{"text":1380,"type":179},"Les paiements en ligne sont soumis à l’authentification forte du client dans les situations prévues par la réglementation, avec certaines exemptions. Cette authentification peut combiner ",{"text":1382,"type":179,"marks":1383},"deux facteurs distincts",[1384],{"type":206},{"text":1386,"type":179},", comme un élément connu du titulaire, un appareil détenu ou une donnée biométrique.",{"type":173,"attrs":1388,"content":1390},{"textAlign":26,"key":1389},"p-65",[1391,1393,1400],{"text":1392,"type":179},"Le 3-D Secure ajoute une étape de validation lors de certains paiements à distance. Consultez les informations de ",{"text":1394,"type":179,"marks":1395},"Service-Public sur l’authentification des paiements en ligne",[1396,1399],{"type":301,"attrs":1397},{"href":1398,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.service-public.fr/particuliers/vosdroits/F10486",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1402,"content":1403},{"level":343,"textAlign":26},[1404],{"text":1405,"type":179,"marks":1406},"Pourquoi utiliser des cartes virtuelles à usage unique ?",[1407],{"type":206},{"type":173,"attrs":1409,"content":1411},{"textAlign":26,"key":1410},"p-66",[1412,1414,1418],{"text":1413,"type":179},"Les cartes virtuelles à usage unique sont adaptées aux achats en ligne ponctuels. Elles peuvent être créées pour ",{"text":1415,"type":179,"marks":1416},"un montant, un fournisseur ou une dépense précise",[1417],{"type":206},{"text":1419,"type":179},", puis devenir inutilisables après le paiement.",{"type":173,"attrs":1421,"content":1423},{"textAlign":26,"key":1422},"p-67",[1424],{"text":1425,"type":179},"Elles limitent le risque lié à la fuite des données de carte chez un commerçant. Pour un abonnement, une carte virtuelle récurrente peut également être plafonnée au montant prévu et limitée au fournisseur concerné.",{"type":173,"attrs":1427,"content":1429},{"textAlign":26,"key":1428},"p-68",[1430,1432,1439],{"text":1431,"type":179},"Pour en savoir plus, consultez notre article sur ",{"text":1433,"type":179,"marks":1434},"la carte bancaire virtuelle",[1435,1438],{"type":301,"attrs":1436},{"href":1437,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/e-carte-bleue-fonctionnement-avantages/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1441,"content":1442},{"level":343,"textAlign":26},[1443],{"text":1444,"type":179,"marks":1445},"Que disent les dernières données sur la fraude à la carte ?",[1446],{"type":206},{"type":173,"attrs":1448,"content":1450},{"textAlign":26,"key":1449},"p-69",[1451,1453,1457],{"text":1452,"type":179},"Le rapport 2024 de l’Observatoire de la sécurité des moyens de paiement indique que le taux de fraude sur les cartes émises en France s’est stabilisé à ",{"text":1454,"type":179,"marks":1455},"53 euros pour 100 000 euros de paiements",[1456],{"type":206},{"text":1458,"type":179},", son niveau le plus bas depuis trois ans.",{"type":173,"attrs":1460,"content":1462},{"textAlign":26,"key":1461},"p-70",[1463,1465,1469,1471,1478],{"text":1464,"type":179},"Le montant total de la fraude aux moyens de paiement est resté inférieur à ",{"text":1466,"type":179,"marks":1467},"1,2 milliard d’euros",[1468],{"type":206},{"text":1470,"type":179}," en France. Ces chiffres ne dispensent pas les entreprises de mettre en place des contrôles adaptés, en particulier lorsqu’elles multiplient les cartes et les achats en ligne. Consultez le ",{"text":1472,"type":179,"marks":1473},"rapport 2024 de la Banque de France et de l’OSMP",[1474,1477],{"type":301,"attrs":1475},{"href":1476,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2024",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1480,"content":1481},{"level":245,"textAlign":26},[1482],{"text":1483,"type":179,"marks":1484},"Carte entreprise ou note de frais : quelle solution choisir ?",[1485],{"type":206},{"type":173,"attrs":1487,"content":1489},{"textAlign":26,"key":1488},"p-71",[1490],{"text":1491,"type":179},"La note de frais classique repose sur un contrôle principalement réalisé après paiement. Le salarié avance les fonds, conserve le justificatif, saisit sa demande et attend le remboursement.",{"type":173,"attrs":1493,"content":1495},{"textAlign":26,"key":1494},"p-72",[1496,1498,1502],{"text":1497,"type":179},"La carte entreprise plafonnée inverse cette logique. Le collaborateur dépense dans ",{"text":1499,"type":179,"marks":1500},"une enveloppe préalablement définie",[1501],{"type":206},{"text":1503,"type":179},", la transaction apparaît immédiatement et le justificatif peut être associé au paiement.",{"type":356,"content":1505},[1506,1541,1570,1598,1627,1655,1684],{"type":359,"content":1507},[1508,1519,1530],{"type":362,"attrs":1509,"content":1510},{"colspan":364,"rowspan":364,"colwidth":26},[1511],{"type":173,"attrs":1512,"content":1514},{"textAlign":26,"key":1513},"p-73",[1515],{"text":1516,"type":179,"marks":1517},"Situation",[1518],{"type":206},{"type":362,"attrs":1520,"content":1521},{"colspan":364,"rowspan":364,"colwidth":26},[1522],{"type":173,"attrs":1523,"content":1525},{"textAlign":26,"key":1524},"p-74",[1526],{"text":1527,"type":179,"marks":1528},"Carte entreprise 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règles paramétrées",{"type":399,"attrs":1591,"content":1592},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1593],{"type":173,"attrs":1594,"content":1596},{"textAlign":26,"key":1595},"p-81",[1597],{"text":1560,"type":179},{"type":359,"content":1599},[1600,1609,1618],{"type":399,"attrs":1601,"content":1602},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1603],{"type":173,"attrs":1604,"content":1606},{"textAlign":26,"key":1605},"p-82",[1607],{"text":1608,"type":179},"Visibilité sur la transaction",{"type":399,"attrs":1610,"content":1611},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1612],{"type":173,"attrs":1613,"content":1615},{"textAlign":26,"key":1614},"p-83",[1616],{"text":1617,"type":179},"Immédiate",{"type":399,"attrs":1619,"content":1620},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1621],{"type":173,"attrs":1622,"content":1624},{"textAlign":26,"key":1623},"p-84",[1625],{"text":1626,"type":179},"Après 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paiement",{"type":359,"content":1656},[1657,1666,1675],{"type":399,"attrs":1658,"content":1659},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1660],{"type":173,"attrs":1661,"content":1663},{"textAlign":26,"key":1662},"p-88",[1664],{"text":1665,"type":179},"Justificatif",{"type":399,"attrs":1667,"content":1668},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1669],{"type":173,"attrs":1670,"content":1672},{"textAlign":26,"key":1671},"p-89",[1673],{"text":1674,"type":179},"Capturé après la transaction",{"type":399,"attrs":1676,"content":1677},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1678],{"type":173,"attrs":1679,"content":1681},{"textAlign":26,"key":1680},"p-90",[1682],{"text":1683,"type":179},"Transmis par le salarié",{"type":359,"content":1685},[1686,1695,1704],{"type":399,"attrs":1687,"content":1688},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1689],{"type":173,"attrs":1690,"content":1692},{"textAlign":26,"key":1691},"p-91",[1693],{"text":1694,"type":179},"Cas particulier",{"type":399,"attrs":1696,"content":1697},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1698],{"type":173,"attrs":1699,"content":1701},{"textAlign":26,"key":1700},"p-92",[1702],{"text":1703,"type":179},"Dépenses récurrentes ou encadrées",{"type":399,"attrs":1705,"content":1706},{"colspan":364,"rowspan":364,"colwidth":26,"backgroundColor":26},[1707],{"type":173,"attrs":1708,"content":1710},{"textAlign":26,"key":1709},"p-93",[1711],{"text":1712,"type":179},"Dépense exceptionnelle ou commerçant n’acceptant pas la carte",{"type":173,"attrs":1714,"content":1716},{"textAlign":26,"key":1715},"p-94",[1717,1719,1723],{"text":1718,"type":179},"Un chef de projet réserve un hôtel à 800 € pour un séminaire. Avec une note de frais, il avance la somme et attend son remboursement. Avec une carte entreprise, ",{"text":1720,"type":179,"marks":1721},"la dépense est visible immédiatement et ne nécessite pas d’avance personnelle",[1722],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1725,"content":1727},{"textAlign":26,"key":1726},"p-95",[1728],{"text":1729,"type":179},"La note de frais reste pertinente lorsqu’un fournisseur n’accepte pas la carte, lorsqu’une dépense est exceptionnelle ou lorsqu’un collaborateur doit payer dans une situation imprévue.",{"type":173,"attrs":1731,"content":1733},{"textAlign":26,"key":1732},"p-96",[1734,1736,1740],{"text":1735,"type":179},"L’objectif n’est donc pas de supprimer toutes les notes de frais, mais de réserver ce processus aux situations où ",{"text":1737,"type":179,"marks":1738},"la carte entreprise n’apporte pas de bénéfice réel",[1739],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1742,"content":1744},{"textAlign":26,"key":1743},"p-97",[1745,1747,1754],{"text":1746,"type":179},"Pour approfondir la comparaison, consultez notre article sur la ",{"text":1748,"type":179,"marks":1749},"gestion des dépenses en entreprise",[1750,1753],{"type":301,"attrs":1751},{"href":1752,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://www.spendesk.com/fr/blog/gestion-des-depenses/",{"type":206},{"text":208,"type":179},{"type":243,"attrs":1756,"content":1757},{"level":245,"textAlign":26},[1758],{"text":1759,"type":179,"marks":1760},"Comment mettre en place une politique de contrôle efficace ?",[1761],{"type":206},{"type":173,"attrs":1763,"content":1765},{"textAlign":26,"key":1764},"p-98",[1766],{"text":1767,"type":179},"Commencez par cartographier les profils de dépenses. Identifiez les collaborateurs qui ont besoin d’une carte, les catégories concernées, les montants moyens et les situations exceptionnelles.",{"type":173,"attrs":1769,"content":1771},{"textAlign":26,"key":1770},"p-99",[1772],{"text":1773,"type":179},"Paramétrez ensuite les plafonds par utilisateur et par catégorie. Prévoyez des limites temporaires pour les événements ponctuels, plutôt que des plafonds permanents élevés.",{"type":173,"attrs":1775,"content":1777},{"textAlign":26,"key":1776},"p-100",[1778,1780,1784],{"text":1779,"type":179},"Formalisez les règles dans une politique de dépenses. Elle doit préciser ",{"text":1781,"type":179,"marks":1782},"les catégories autorisées, les justificatifs attendus, les règles de validation et la conduite à tenir en cas de perte ou de fraude",[1783],{"type":206},{"text":208,"type":179},{"type":173,"attrs":1786,"content":1788},{"textAlign":26,"key":1787},"p-101",[1789],{"text":1790,"type":179},"Enfin, organisez une revue trimestrielle. 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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",[],[4044],{"cta":4045,"_uid":4046,"items":4047,"heading":4125,"reverse":29,"component":1977,"sectionSettings":4149},[],"72e4f3db-ca09-4f67-905a-cbe932d89f63",[4048,4065,4082,4093,4110],{"_uid":4049,"hide":29,"title":4050,"component":1866,"description":4051},"181c2e80-937b-4dbb-b6ca-5a80d3e17ab4","Quelles entreprises restent soumises à la CSRD après l’Omnibus ?",{"type":170,"attrs":4052,"content":4053},{"backgroundColor":26},[4054],{"type":173,"attrs":4055,"content":4056},{"textAlign":26},[4057,4059,4063],{"text":4058,"type":179},"Les entreprises qui dépassent simultanément ",{"text":4060,"type":179,"marks":4061},"1 000 salariés et 450 millions d’euros de chiffre d’affaires net",[4062],{"type":206},{"text":4064,"type":179}," 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":4066,"hide":29,"title":4067,"component":1866,"description":4068},"bfbaba5b-ac8e-401b-946f-85e887a81303","Quand les entreprises nouvellement concernées publieront-elles leur premier rapport ?",{"type":170,"attrs":4069,"content":4070},{"backgroundColor":26},[4071],{"type":173,"attrs":4072,"content":4073},{"textAlign":26},[4074,4076,4080],{"text":4075,"type":179},"Les entreprises nouvellement concernées par les seuils révisés publieront leur premier rapport en ",{"text":4077,"type":179,"marks":4078},"2028 sur l’exercice 2027",[4079],{"type":206},{"text":4081,"type":179},". Les entreprises déjà soumises doivent vérifier les mesures transitoires et le calendrier des standards ESRS révisés.",{"_uid":4083,"hide":29,"title":4084,"component":1866,"description":4085},"bd07e345-9e90-4df4-8021-4462f9f31742","Un grand client peut-il demander un reporting ESRS complet à une PME exemptée ?",{"type":170,"attrs":4086,"content":4087},{"backgroundColor":26},[4088],{"type":173,"attrs":4089,"content":4090},{"textAlign":26},[4091],{"text":4092,"type":179},"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":4094,"hide":29,"title":4095,"component":1866,"description":4096},"2968fde6-2210-4088-aff7-ed1275aa59fa","À quoi sert le VSME pour une entreprise sortie du périmètre CSRD ?",{"type":170,"attrs":4097,"content":4098},{"backgroundColor":26},[4099],{"type":173,"attrs":4100,"content":4101},{"textAlign":26},[4102,4104,4108],{"text":4103,"type":179},"Le VSME permet à une PME de structurer ",{"text":4105,"type":179,"marks":4106},"un socle volontaire et proportionné de données de durabilité",[4107],{"type":206},{"text":4109,"type":179},". Il peut servir à répondre de manière cohérente aux demandes des clients, des banques et des investisseurs sans produire un reporting ESRS complet.",{"_uid":4111,"hide":29,"title":4112,"component":1866,"description":4113},"e41936c7-2806-4062-a9ad-1db84714b967","Comment préparer la suite après l’Omnibus ?",{"type":170,"attrs":4114,"content":4115},{"backgroundColor":26},[4116],{"type":173,"attrs":4117,"content":4118},{"textAlign":26},[4119,4121],{"text":4120,"type":179},"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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Le dispositif s’applique aux exercices ouverts après le 31 décembre 2024.",{"_uid":4216,"hide":29,"title":4217,"component":1866,"description":4218},"d4b1057c-3f46-4394-964b-621215b4892e","La prime de partage de la valeur est-elle obligatoire ?",{"type":170,"attrs":4219,"content":4220},{"backgroundColor":26},[4221],{"type":173,"attrs":4222,"content":4223},{"textAlign":26},[4224,4226,4230],{"text":4225,"type":179},"Non. La PPV est l’une des options disponibles. L’entreprise peut également choisir ",{"text":4227,"type":179,"marks":4228},"la participation, l’intéressement ou l’abondement d’un plan d’épargne",[4229],{"type":206},{"text":4231,"type":179},", selon les conditions prévues par la loi.",{"_uid":4233,"hide":29,"title":4234,"component":1866,"description":4235},"9b94a6ea-54bc-4b1b-aaa2-32a66217600c","Quel est le plafond d’exonération de la PPV ?",{"type":170,"attrs":4236,"content":4237},{"backgroundColor":26},[4238],{"type":173,"attrs":4239,"content":4240},{"textAlign":26},[4241,4243,4247],{"text":4242,"type":179},"La PPV est exonérée dans la limite de ",{"text":4244,"type":179,"marks":4245},"3 000 € par bénéficiaire et par année civile",[4246],{"type":206},{"text":4248,"type":179},". Ce plafond peut atteindre 6 000 € lorsque l’entreprise dispose aussi d’un dispositif d’intéressement ou de participation. Un régime temporaire plus favorable s’applique jusqu’au 31 décembre 2026 dans certaines entreprises de moins de 50 salariés.",{"_uid":4250,"hide":29,"title":4251,"component":1866,"description":4252},"23d98ee2-c951-4b69-a9b1-1f635e4cca73","Quand verser l’intéressement ou la participation pour un exercice clos le 31 décembre ?",{"type":170,"attrs":4253,"content":4254},{"backgroundColor":26},[4255],{"type":173,"attrs":4256,"content":4257},{"textAlign":26},[4258,4260,4264],{"text":4259,"type":179},"Pour un exercice clos le 31 décembre, l’intéressement et la participation doivent généralement être versés au plus tard ",{"text":4261,"type":179,"marks":4262},"le 31 mai",[4263],{"type":206},{"text":4265,"type":179},", selon les règles propres à chaque dispositif. La PPV bénéficie d’un calendrier plus souple, avec un versement possible au cours de l’année civile dans la limite d’un versement par trimestre.",{"_uid":4267,"hide":29,"title":4268,"component":1866,"description":4269},"9d07f9a2-fb6f-4922-b1c9-fa2357dc4fc9","Comment garder le contrôle des dépenses engagées ?",{"type":170,"attrs":4270,"content":4271},{"backgroundColor":26},[4272,4283],{"type":173,"attrs":4273,"content":4274},{"textAlign":26},[4275,4277,4281],{"text":4276,"type":179},"Le montant de la prime n’est pas le seul sujet à anticiper. 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La base nationale peut être temporairement indisponible, le numéro peut être récent ou ne pas encore être activé pour les opérations intracommunautaires.",{"type":173,"attrs":4758,"content":4759},{"textAlign":26},[4760,4762,4766],{"text":4761,"type":179},"Vérifiez d’abord le numéro et le préfixe du pays, puis renouvelez la recherche après quelques heures. Si le résultat reste négatif, contactez le fournisseur pour obtenir une confirmation écrite ou un justificatif d’immatriculation récent, et conservez ",{"text":4763,"type":179,"marks":4764},"la preuve datée de vos vérifications",[4765],{"type":206},{"text":208,"type":179},{"_uid":4768,"hide":29,"title":4769,"component":1866,"description":4770},"2f3b68b0-1da3-4735-b1f6-9cc4cd334653","À quelle fréquence faut-il mettre à jour les fiches fournisseurs ?",{"type":170,"attrs":4771,"content":4772},{"backgroundColor":26},[4773,4784],{"type":173,"attrs":4774,"content":4775},{"textAlign":26},[4776,4778,4782],{"text":4777,"type":179},"Une ",{"text":4779,"type":179,"marks":4780},"revue annuelle",[4781],{"type":206},{"text":4783,"type":179}," constitue une bonne base pour vérifier les coordonnées, les documents et les contacts. Certaines informations doivent toutefois être mises à jour immédiatement, notamment en cas de changement d’IBAN, de raison sociale, de numéro de TVA, de contact ou lors du renouvellement d’une attestation.",{"type":173,"attrs":4785,"content":4786},{"textAlign":26},[4787,4789,4793],{"text":4788,"type":179},"Les modifications sensibles, comme un changement de coordonnées bancaires, doivent également faire l’objet d’une ",{"text":4790,"type":179,"marks":4791},"vérification indépendante et d’une validation par une seconde personne",[4792],{"type":206},{"text":208,"type":179},{"_uid":4795,"hide":29,"title":4796,"component":1866,"description":4797},"e89916a3-dc19-44fd-9cee-31e65591d2b2","Faut-il gérer les fiches fournisseurs dans Excel ou avec un logiciel dédié ?",{"type":170,"attrs":4798,"content":4799},{"backgroundColor":26},[4800,4810],{"type":173,"attrs":4801,"content":4802},{"textAlign":26},[4803,4805,4809],{"text":4804,"type":179},"Excel peut convenir à une petite base fournisseurs avec peu de factures et un processus simple. Dès que le volume augmente, un logiciel dédié apporte ",{"text":4806,"type":179,"marks":4807},"la traçabilité des modifications, les workflows d’approbation, la gestion des documents et la synchronisation avec les outils comptables",[4808],{"type":206},{"text":208,"type":179},{"type":173,"attrs":4811,"content":4812},{"textAlign":26},[4813],{"text":4814,"type":179},"Le choix dépend donc moins d’un nombre précis de fournisseurs que du niveau de contrôle, du nombre d’utilisateurs et de la complexité du processus achats-paiements.",{"_uid":4816,"hide":29,"title":4817,"component":1866,"description":4818},"8381e788-7aaf-43a2-9f5b-3c3dddd4b588","Quelles informations faut-il renseigner sur une fiche fournisseur ?",{"type":170,"attrs":4819,"content":4820},{"backgroundColor":26},[4821,4832],{"type":173,"attrs":4822,"content":4823},{"textAlign":26},[4824,4826,4830],{"text":4825,"type":179},"Une fiche fournisseur doit au minimum contenir ",{"text":4827,"type":179,"marks":4828},"la raison sociale, l’identifiant légal, l’adresse, les coordonnées bancaires, les conditions de paiement et le contact principal",[4829],{"type":206},{"text":4831,"type":179},". Le numéro de TVA intracommunautaire doit être ajouté lorsque le fournisseur ou la transaction le nécessite, notamment pour certaines opérations au sein de l’Union européenne.",{"type":173,"attrs":4833,"content":4834},{"textAlign":26},[4835],{"text":4836,"type":179},"Ces informations permettent de vérifier l’identité du fournisseur, d’appliquer le bon traitement fiscal et de sécuriser les règlements.",[4838],{"cta":4839,"_uid":4840,"title":4841,"eyebrow":4851,"subtitle":4858,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":4861,"sectionSettings":4862,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"c2d2fd87-078f-444f-b59a-acce290b6c5c",{"type":170,"attrs":4842,"content":4843},{"backgroundColor":26},[4844],{"type":243,"attrs":4845,"content":4846},{"level":245,"textAlign":26},[4847],{"text":4848,"type":179,"marks":4849},"Questions fréquentes sur la gestion des 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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.",[],[4943],{"cta":4944,"_uid":4945,"items":4946,"heading":5096,"reverse":29,"component":1977,"sectionSettings":5120},[],"d521db1c-f138-4141-96e2-aa45099085ff",[4947,4987,5003,5019,5041,5051,5061,5077],{"_uid":4948,"hide":29,"title":4949,"component":1866,"description":4950},"ad7e9d64-0acf-4ddb-8081-eafb22ccdc03","Quel est le plafond d’exonération URSSAF du panier repas en 2026 ?",{"type":170,"content":4951},[4952],{"type":173,"attrs":4953,"content":4954},{"textAlign":26},[4955,4960,4964,4969,4973,4978,4982],{"text":4956,"type":179,"marks":4957},"Le plafond dépend de la situation du salarié : ",[4958],{"type":1806,"attrs":4959},{"color":1808},{"text":4961,"type":179,"marks":4962},"7,50 €",[4963],{"type":206},{"text":4965,"type":179,"marks":4966}," pour un repas pris sur le lieu de travail, ",[4967],{"type":1806,"attrs":4968},{"color":1808},{"text":4970,"type":179,"marks":4971},"10,40 €",[4972],{"type":206},{"text":4974,"type":179,"marks":4975}," pour un repas pris hors des locaux sans obligation de restaurant et ",[4976],{"type":1806,"attrs":4977},{"color":1808},{"text":4979,"type":179,"marks":4980},"21,40 €",[4981],{"type":206},{"text":4983,"type":179,"marks":4984}," pour un repas au restaurant lors d’un déplacement professionnel.",[4985],{"type":1806,"attrs":4986},{"color":1808},{"_uid":4988,"hide":29,"title":4989,"component":1866,"description":4990},"30d2a9b5-9e43-4ced-b8ad-aa960a3a9f80","Peut-on récupérer la TVA sur un repas d’affaires ?",{"type":170,"content":4991},[4992],{"type":173,"attrs":4993,"content":4994},{"textAlign":26},[4995,4997,5001],{"text":4996,"type":179},"Oui, lorsque la dépense est professionnelle, que le justificatif est conforme et que la TVA est correctement identifiée. Pour une dépense supérieure à ",{"text":4998,"type":179,"marks":4999},"150 € HT",[5000],{"type":206},{"text":5002,"type":179},", demandez une facture comportant les informations d’identification de l’entreprise.",{"_uid":5004,"hide":29,"title":5005,"component":1866,"description":5006},"0a8c9e01-3dd2-4164-8e09-f22035363fa9","Un ticket de caisse suffit-il comme justificatif de frais de repas ?",{"type":170,"content":5007},[5008],{"type":173,"attrs":5009,"content":5010},{"textAlign":26},[5011,5013,5017],{"text":5012,"type":179},"Un ticket peut suffire pour documenter une dépense de restauration inférieure ou égale à 150 € HT lorsque les mentions nécessaires figurent sur le justificatif. ",{"text":5014,"type":179,"marks":5015},"Une facture au nom de l’entreprise reste préférable",[5016],{"type":206},{"text":5018,"type":179},", notamment pour sécuriser la récupération de la TVA.",{"_uid":5020,"hide":29,"title":5021,"component":1866,"description":5022},"bdece1ad-59a8-4603-8029-1e7f817440bf","Quel est le plafond de la participation patronale aux titres-restaurant en 2026 ?",{"type":170,"content":5023},[5024],{"type":173,"attrs":5025,"content":5026},{"textAlign":26},[5027,5032,5036],{"text":5028,"type":179,"marks":5029},"La participation patronale peut être exonérée jusqu’à ",[5030],{"type":1806,"attrs":5031},{"color":1808},{"text":5033,"type":179,"marks":5034},"7,32 € par titre",[5035],{"type":206},{"text":5037,"type":179,"marks":5038},", à condition de représenter entre 50 % et 60 % de la valeur faciale du titre.",[5039],{"type":1806,"attrs":5040},{"color":1808},{"_uid":5042,"hide":29,"title":5043,"component":1866,"description":5044},"337f3872-432f-4319-98c7-3e22880061fb","Quelle différence entre un titre-restaurant et une indemnité de repas ?",{"type":170,"content":5045},[5046],{"type":173,"attrs":5047,"content":5048},{"textAlign":26},[5049],{"text":5050,"type":179},"Le titre-restaurant est un moyen de paiement cofinancé par l’employeur et le salarié. L’indemnité de repas est un remboursement ou une allocation versée dans le cadre de conditions professionnelles particulières, notamment lors d’un déplacement.",{"_uid":5052,"hide":29,"title":5053,"component":1866,"description":5054},"22a13db7-5faf-41f0-9bde-c1dcf72bab7e","Comment gérer les frais de repas en télétravail ?",{"type":170,"content":5055},[5056],{"type":173,"attrs":5057,"content":5058},{"textAlign":26},[5059],{"text":5060,"type":179},"Le télétravail seul ne permet pas de verser un panier repas exonéré. Les dépenses liées au télétravail doivent être traitées selon les règles applicables à l’allocation de télétravail ou au remboursement des frais réellement engagés.",{"_uid":5062,"hide":29,"title":5063,"component":1866,"description":5064},"f595eada-2951-459d-b5f1-34a3586e37e4","Comment éviter les erreurs sur les frais de repas ?",{"type":170,"content":5065},[5066],{"type":173,"attrs":5067,"content":5068},{"textAlign":26},[5069,5071,5075],{"text":5070,"type":179},"Pour limiter les erreurs, vérifiez systématiquement ",{"text":5072,"type":179,"marks":5073},"le lieu du repas, le régime applicable, le montant remboursé et le justificatif associé",[5074],{"type":206},{"text":5076,"type":179},". Une politique de dépenses claire et des contrôles automatisés permettent de traiter les exceptions avant la clôture.",{"_uid":5078,"hide":29,"title":5079,"component":1866,"description":5080},"f4dda4d4-86d2-4089-9895-86549e711b81","Comment reprendre le contrôle sur les frais de repas ?",{"type":170,"content":5081},[5082,5091],{"type":173,"attrs":5083,"content":5084},{"textAlign":26},[5085,5087],{"text":5086,"type":179},"Les plafonds URSSAF, les règles fiscales, la TVA et les titres-restaurant obéissent à des règles différentes. ",{"text":5088,"type":179,"marks":5089},"La première étape consiste donc à rattacher chaque repas au bon régime avant de contrôler son montant.",[5090],{"type":206},{"type":173,"attrs":5092,"content":5093},{"textAlign":26},[5094],{"text":5095,"type":179},"Avec Spendesk, les équipes finance peuvent centraliser les paiements, les justificatifs, les règles de dépenses et les validations. 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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":5186,"hide":29,"title":5187,"component":1866,"description":5188},"5aa55bb2-4345-4e98-b91c-d18c1d1817e7","Faut-il faire le lettrage avant le rapprochement bancaire ?",{"type":170,"content":5189},[5190],{"type":173,"attrs":5191,"content":5192},{"textAlign":26},[5193],{"text":5194,"type":179},"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":5196,"hide":29,"title":5197,"component":1866,"description":5198},"1ead6d5c-8098-43e6-af8f-45c8ed11cddf","Pouvez-vous donner un exemple concret de rapprochement bancaire ?",{"type":170,"content":5199},[5200],{"type":173,"attrs":5201,"content":5202},{"textAlign":26},[5203,5205,5209,5211,5215,5217,5220,5222,5226,5228,5232,5234,5238],{"text":5204,"type":179},"Avec un compte 512 à ",{"text":5206,"type":179,"marks":5207},"42 000 €",[5208],{"type":206},{"text":5210,"type":179}," et un relevé bancaire à ",{"text":5212,"type":179,"marks":5213},"43 650 €",[5214],{"type":206},{"text":5216,"type":179},", un chèque de ",{"text":531,"type":179,"marks":5218},[5219],{"type":206},{"text":5221,"type":179}," non débité, un virement client de ",{"text":5223,"type":179,"marks":5224},"240 €",[5225],{"type":206},{"text":5227,"type":179}," et ",{"text":5229,"type":179,"marks":5230},"90 €",[5231],{"type":206},{"text":5233,"type":179}," de frais bancaires ramènent les deux colonnes à un solde corrigé identique de ",{"text":5235,"type":179,"marks":5236},"42 150 €",[5237],{"type":206},{"text":208,"type":179},{"_uid":5240,"hide":29,"title":5241,"component":1866,"description":5242},"e0cd52bf-94a0-4b82-92a0-91d8fea5e069","À quelle fréquence faut-il faire un rapprochement bancaire ?",{"type":170,"content":5243},[5244],{"type":173,"attrs":5245,"content":5246},{"textAlign":26},[5247],{"text":5248,"type":179},"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":5250,"hide":29,"title":5251,"component":1866,"description":5252},"2310f311-5848-474d-871b-8e10246b307a","Quelles sont les dates clés d’une clôture comptable ?",{"type":170,"content":5253},[5254],{"type":173,"attrs":5255,"content":5256},{"textAlign":26},[5257],{"text":5258,"type":179},"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":5260,"hide":29,"title":5261,"component":1866,"description":5262},"556b45a3-d58f-49ab-b364-b512ccb5171f","Quelle peut être la durée du premier exercice comptable ?",{"type":170,"content":5263},[5264],{"type":173,"attrs":5265,"content":5266},{"textAlign":26},[5267,5272,5276,5281,5288],{"text":5268,"type":179,"marks":5269},"Le premier exercice comptable peut durer moins ou plus de 12 mois, dans la limite de ",[5270],{"type":1806,"attrs":5271},{"color":1808},{"text":5273,"type":179,"marks":5274},"24 mois",[5275],{"type":206},{"text":5277,"type":179,"marks":5278},". Lorsque l’exercice dépasse 12 mois, l’entreprise doit néanmoins respecter les obligations d’inventaire prévues par les règles comptables, conformément aux règles relatives à la ",[5279],{"type":1806,"attrs":5280},{"color":1808},{"text":5282,"type":179,"marks":5283},"date de clôture d’un exercice comptable",[5284,5287],{"type":301,"attrs":5285},{"href":5286,"uuid":26,"anchor":26,"target":304,"linktype":158},"https://entreprendre.service-public.fr/vosdroits/F32069",{"type":206},{"text":208,"type":179,"marks":5289},[5290],{"type":1806,"attrs":5291},{"color":1808},{"_uid":5293,"hide":29,"title":5294,"component":1866,"description":5295},"0e745394-5312-4a13-955e-b06e0beb1304","Comment réduire les tâches manuelles lors de la clôture ?",{"type":170,"content":5296},[5297],{"type":173,"attrs":5298,"content":5299},{"textAlign":26},[5300],{"text":5301,"type":179},"La réduction des tâches manuelles passe par la collecte automatique des justificatifs, le rapprochement des transactions, la catégorisation des dépenses, le suivi des exceptions et l’export des écritures vers le logiciel comptable. L’automatisation doit toutefois rester accompagnée d’un contrôle comptable et d’une documentation des écarts.",[5303],{"cta":5304,"_uid":5305,"title":5306,"eyebrow":5315,"subtitle":5321,"component":243,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":5324,"sectionSettings":5325,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"4841a5f7-36a4-4ae7-b4e0-528be8e37d49",{"type":170,"content":5307},[5308],{"type":243,"attrs":5309,"content":5310},{"level":245,"textAlign":26},[5311],{"text":5312,"type":179,"marks":5313},"Questions sur la clôture comptable et le rapprochement 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les justificatifs, appliquer des règles internes et préparer les données nécessaires aux exports comptables. Les fonctionnalités exactes dépendent du produit, de la configuration de l’entreprise et du logiciel comptable utilisé. ",{"_uid":5398,"hide":29,"title":5399,"component":1866,"description":5400},"b8839533-779d-4e49-a8ca-e5b8ba446131","Quelle différence entre le forfait télétravail et le forfait mobilités durables ?",{"type":170,"content":5401},[5402],{"type":173,"attrs":5403,"content":5404},{"textAlign":26},[5405,5407,5411,5413,5417],{"text":5406,"type":179},"Le ",{"text":5408,"type":179,"marks":5409},"forfait télétravail",[5410],{"type":206},{"text":5412,"type":179}," concerne certains frais liés au travail réalisé à distance. Le ",{"text":5414,"type":179,"marks":5415},"forfait mobilités durables",[5416],{"type":206},{"text":5418,"type":179}," concerne certains trajets entre le domicile et le lieu de travail. Les deux dispositifs répondent à des règles différentes et doivent être suivis séparément.",{"_uid":5420,"hide":29,"title":5421,"component":1866,"description":5422},"b3f1b6c9-2e40-49d6-858e-fb38fc9ec4c9","Que se passe-t-il si le montant dépasse le plafond ?",{"type":170,"content":5423},[5424],{"type":173,"attrs":5425,"content":5426},{"textAlign":26},[5427],{"text":5428,"type":179},"La fraction qui dépasse le plafond applicable doit être justifiée par des frais professionnels réellement engagés. À défaut de justification suffisante, elle peut être réintégrée dans l’assiette des cotisations sociales.",{"_uid":5430,"hide":29,"title":5431,"component":1866,"description":5432},"f02f20ae-9206-4052-a577-4552c32fa5b5","Le forfait télétravail nécessite-t-il des justificatifs ?",{"type":170,"content":5433},[5434,5439],{"type":173,"attrs":5435,"content":5436},{"textAlign":26},[5437],{"text":5438,"type":179},"L’allocation forfaitaire ne nécessite pas nécessairement un justificatif individuel pour chaque dépense dans les conditions prévues par le régime applicable. L’employeur doit toutefois conserver les éléments permettant de démontrer l’éligibilité du salarié, la période de télétravail et le montant versé.",{"type":173,"attrs":5440,"content":5441},{"textAlign":26},[5442],{"text":5443,"type":179},"Pour un remboursement au réel, les dépenses remboursées doivent être documentées par les justificatifs correspondants.",{"_uid":5445,"hide":29,"title":5446,"component":1866,"description":5447},"dc63ae63-5d37-4145-a850-ec0acfb33f68","Faut-il un accord collectif pour appliquer le plafond majoré ?",{"type":170,"content":5448},[5449],{"type":173,"attrs":5450,"content":5451},{"textAlign":26},[5452,5454,5458,5460,5464],{"text":5453,"type":179},"Le plafond majoré de ",{"text":5455,"type":179,"marks":5456},"3,30 € par jour",[5457],{"type":206},{"text":5459,"type":179}," et de ",{"text":5461,"type":179,"marks":5462},"72,60 € par mois",[5463],{"type":206},{"text":5465,"type":179}," s’applique lorsque les conditions prévues par le dispositif, notamment l’existence d’un accord collectif ou de groupe applicable, sont réunies. Vérifiez le texte applicable à votre entreprise avant de retenir ce plafond.",{"_uid":5467,"hide":29,"title":5468,"component":1866,"description":5469},"9877be9f-f7cc-4335-81fb-1515758584ec","Quel est le montant du forfait télétravail exonéré en 2026 ?",{"type":170,"content":5470},[5471],{"type":173,"attrs":5472,"content":5473},{"textAlign":26},[5474,5476,5480,5482,5486,5488,5491,5492,5495],{"text":5475,"type":179},"Sans accord collectif applicable, l’allocation est exonérée jusqu’à ",{"text":5477,"type":179,"marks":5478},"2,70 € par jour",[5479],{"type":206},{"text":5481,"type":179},", dans la limite de ",{"text":5483,"type":179,"marks":5484},"59,40 € par mois",[5485],{"type":206},{"text":5487,"type":179},". Avec le plafond majoré prévu par un accord collectif ou de groupe applicable, elle peut atteindre ",{"text":5455,"type":179,"marks":5489},[5490],{"type":206},{"text":5481,"type":179},{"text":5461,"type":179,"marks":5493},[5494],{"type":206},{"text":5496,"type":179},". 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Un outil efficace doit permettre de faire remonter les centres de coût, les codes analytiques et les écritures comptables vers votre ERP ou votre logiciel comptable, via des connecteurs, une API ou des exports structurés.",{"type":173,"attrs":6110,"content":6111},{"textAlign":26},[6112,6116],{"text":6113,"type":179,"marks":6114},"Spendesk permet de centraliser les notes de frais dans un cadre plus structuré",[6115],{"type":206},{"text":6117,"type":179},", avec des justificatifs rattachés aux dépenses, des validations tracées, et des exports comptables exploitables pour des outils comme Sage, Cegid ou Pennylane.",{"_uid":6119,"title":6120,"component":1866,"description":6121},"1bf84e68-47e3-4a49-a08b-7975ddfb4820","Expensya vs d'autres applications : laquelle convient le mieux pour une petite entreprise en France ?",{"type":170,"content":6122},[6123,6128],{"type":173,"attrs":6124,"content":6125},{"textAlign":26},[6126],{"text":6127,"type":179},"Pour une petite entreprise, le bon choix dépend moins du nom de l'outil que de quelques critères concrets : la simplicité d'usage, la qualité de l'intégration comptable, la vitesse de traitement, et l'adaptation au cadre français. Il faut notamment vérifier la gestion des justificatifs, la qualité de la traçabilité, les workflows de validation, et la capacité à exporter proprement vers la comptabilité.",{"type":173,"attrs":6129,"content":6130},{"textAlign":26},[6131,6133,6137],{"text":6132,"type":179},"Entre 20 et 100 salariés, un outil correct côté saisie mais faible côté intégration finit souvent par coûter plus cher en temps finance qu'en licence. ",{"text":6134,"type":179,"marks":6135},"Spendesk, par exemple, permet de centraliser les remboursements, les validations et les exports comptables dans un même outil",[6136],{"type":206},{"text":6138,"type":179},", avec des justificatifs rattachés aux dépenses et une traçabilité claire pour l'équipe finance.",{"_uid":6140,"title":6141,"component":1866,"description":6142},"0d15fad4-4265-4ec7-8f62-18cee3e41381","Quel est le meilleur logiciel de gestion des notes de frais pour les petites entreprises en 2026 ?",{"type":170,"content":6143},[6144,6149],{"type":173,"attrs":6145,"content":6146},{"textAlign":26},[6147],{"text":6148,"type":179},"Il n'existe pas de réponse unique, mais les critères de choix sont assez clairs. 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Pour un DAF, un Contrôleur de gestion ou un Responsable comptable, le meilleur logiciel est avant tout celui qui réduit la ressaisie, améliore la qualité des justificatifs, et s'intègre proprement à la comptabilité.",{"_uid":6155,"title":6156,"component":1866,"description":6157},"4ad25c08-56ad-458e-81dc-66fd295adc4f","Existe-t-il des intégrations entre Neo et des solutions de voyage d'entreprise pour les notes de frais ?",{"type":170,"content":6158},[6159,6164],{"type":173,"attrs":6160,"content":6161},{"textAlign":26},[6162],{"text":6163,"type":179},"Sans vérification spécifique, mieux vaut ne pas supposer l'existence d'une intégration précise entre Neo et un outil donné. En revanche, le vrai sujet pour l'entreprise n'est pas seulement la connexion entre deux solutions. C'est de savoir si le flux voyage peut être géré proprement de bout en bout : paiement, validation, collecte des justificatifs, puis remboursement si le salarié a avancé les frais.",{"type":173,"attrs":6165,"content":6166},{"textAlign":26},[6167],{"text":6168,"type":179},"Pour une entreprise de 50 à 250 salariés, cela compte souvent plus qu'une simple intégration isolée. L'enjeu est d'éviter un système pour réserver d'un côté, puis un autre pour retraiter les notes de frais ensuite. Spendesk permet de couvrir ce flux dans un cadre unique, avec cartes physiques ou virtuelles, validation manager, capture mobile des justificatifs, et export comptable. Si vous gérez du volume, il faut aussi regarder la qualité de l'export vers la comptabilité et le niveau de traçabilité conservé à chaque étape.",{"_uid":6170,"title":6171,"component":1866,"description":6172},"1d309dee-4567-460d-aa8a-ccf3d7ad18f8","Comment choisir entre un logiciel de note de frais gratuit et payant ?",{"type":170,"content":6173},[6174,6179],{"type":173,"attrs":6175,"content":6176},{"textAlign":26},[6177],{"text":6178,"type":179},"Le vrai sujet n'est pas le prix affiché à 0 €, mais le coût total du processus. Un outil gratuit peut suffire à une très petite équipe avec peu de notes de frais chaque mois. Mais dès que le volume augmente, les limites apparaissent vite : validations manuelles, exports peu exploitables, justificatifs mal suivis, et plus de reprises côté comptabilité.",{"type":173,"attrs":6180,"content":6181},{"textAlign":26},[6182],{"text":6183,"type":179},"Un outil payant devient rentable à partir du moment où il réduit réellement la charge administrative. Pour un DAF ou un RAF, l'arbitrage est souvent simple : payer pour éviter la ressaisie, fiabiliser les écritures, et raccourcir la clôture coûte généralement moins cher que de laisser la finance absorber les limites d'un outil trop léger.","Questions fréquentes sur les frais kilométriques","remboursement-transport-employeur-frais-kilometriques-notes-de-frais","fr/blog/remboursement-transport-employeur-frais-kilometriques-notes-de-frais",-1420,[],"4be83584-1fff-4474-a51c-859942a5847a","2026-04-23T14:30:14.845Z",[],"blog/remboursement-transport-employeur-frais-kilometriques-notes-de-frais",[6194,6195,6196],{"path":6192,"name":26,"lang":33,"published":26},{"path":6192,"name":26,"lang":39,"published":26},{"path":6192,"name":26,"lang":41,"published":26},[6198,6199,6200,6201],["Reactive",3631],["Reactive",3964],["Reactive",4875],["Reactive",5847],1787229913156]