[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"config-fr":3,"story-fr-resources/blog/what-is-the-future-of-e-procurement-":3125,"i-icon:main_shape":6121,"i-logo:banqup":6126,"i-icon:arrow_right":6130,"i-simple-icons:facebook":6133,"i-simple-icons:instagram":6136,"i-simple-icons:linkedin":6138,"i-icon:apple_app_store":6140,"i-icon:google_play_store":6144,"i-lucide:chevron-down":6146,"i-circle-flags:fr":6148},{"seo":4,"_uid":10,"logo":11,"socialsX":18,"component":21,"footerLinks":22,"topbarLinks":1062,"mainNavLinks":1081,"appStoreTitle":2571,"footerColumns":2572,"socialsTiktok":2759,"jobApply_email":2760,"jobApply_phone":2761,"mainNavButtons":2762,"iosDownloadLink":2795,"jobApply_submit":2797,"newsletterTitle":2798,"socialsFacebook":2799,"socialsLinkedin":2801,"jobApply_heading":2803,"jobApply_message":2804,"socialsInstagram":2805,"whitePaper_email":2807,"jobApply_lastName":2808,"whitePaper_submit":2809,"jobApply_firstName":2810,"whitePaper_company":2811,"whitePaper_heading":2809,"androidDownloadLink":2812,"appStoreDescription":2814,"generalTranslations":2815,"jobApply_motivation":2948,"whitePaper_lastName":2949,"hideBackgroundShapes":17,"whitePaper_firstName":2950,"newsletterDescription":2951,"newsletterSubmitButton":2952,"footerTermsAndConditions":2958,"integrationsTranslations":2959,"solutionPageTranslations":2975,"jobApply_motivationSubmit":2976,"resourceTypesTranslations":2977,"jobApplyConfirmation_error":3030,"jobApplyConfirmation_title":3031,"jobApplyConfirmation_returnHome":3032,"jobApplyConfirmation_description":3033,"whitepaperFormConfirmation_error":3030,"integrationCategoriesTranslations":3039,"jobApply_privacyPolicyConfirmation":3052,"whitePaperFormConfirmation_heading":3031,"resourceTypesCategoriesTranslations":3065,"whitePaper_privacyPolicyConfirmation":3108,"whitepaperFormConfirmation_returnHome":3118,"whitepaperFormConfirmation_description":3119},{"_uid":5,"title":6,"plugin":7,"og_image":8,"og_title":6,"description":9,"twitter_image":8,"twitter_title":6,"og_description":9,"twitter_description":9},"0386a060-39fb-41db-a3bf-bd9985bc7246","Banqup","seo_metatags","","Banqup automatise vos tâches de paiement, de facturation et de gestion de la facturation. Chez Banqup, nous nous efforçons de simplifier les paiements et la facturation en vous débarrassant des tâches quotidiennes routinières et en numérisant les processus pour vous.","c235149f-67d6-4d7d-b13f-e32d463fefef",{"id":12,"alt":8,"name":13,"focus":8,"title":8,"source":8,"filename":14,"copyright":8,"fieldtype":15,"meta_data":16,"is_external_url":17},22151802,"Banqup logo","https://a.storyblok.com/f/318078/300x85/6e319e2de9/banqup-logo_white-horizontal_svg.svg","asset",{},false,{"id":8,"url":8,"linktype":19,"fieldtype":20,"cached_url":8},"url","multilink","config",[23,530,663],{"name":24,"created_at":25,"published_at":26,"updated_at":27,"id":28,"uuid":29,"content":30,"slug":508,"full_slug":509,"sort_by_date":65,"position":510,"tag_list":511,"is_startpage":17,"parent_id":512,"meta_data":65,"group_id":513,"first_published_at":514,"release_id":65,"lang":515,"path":65,"alternates":516,"default_full_slug":517,"translated_slugs":518,"_stopResolving":56},"Terms & conditions","2025-02-18T10:10:26.812Z","2026-01-16T08:04:19.250Z","2026-08-21T12:19:17.288Z",627571042,"6c695d76-4693-4d77-bb7f-a5d756af26dd",{"seo":31,"_uid":36,"body":37,"component":507},{"_uid":32,"title":33,"plugin":34,"description":35},"d6cf146c-e1cb-422c-b4ed-cbe24550be46","Conditions générales","meta-fields","Veuillez lire les conditions générales de Banqup. Prenez connaissance de l'accord juridique, des droits et obligations des utilisateurs liés à l'utilisation de nos services de facturation et de paiement.","00646961-47ad-4891-a74f-2d7ef7b08f74",[38,57],{"_uid":39,"size":40,"image":41,"buttons":45,"heading":46,"tagline":47,"component":48,"background":49,"description":50,"imageVariation":55,"invertTextColor":56},"1b2968ce-a310-416c-addb-9132d4efa538","medium",{"id":42,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":43,"copyright":8,"fieldtype":15,"meta_data":44,"is_external_url":17},132146787730787,"https://a.storyblok.com/f/318078/6144x3456/95c5cddbce/privacy.jpg",{},[],"Terms and Conditions","Last updated September 3, 2021","hero","default",{"type":51,"content":52},"doc",[53],{"type":54},"paragraph","background",true,{"_uid":58,"text":59,"component":506,"background":49},"b38ce84d-2e48-4f77-864d-d2fc3b2aabec",{"type":51,"content":60},[61,73,91,131,139,166,173,186,193,206,215,228,236,241,248,257,270,295,303,324,331,340,347,360,367,380,387,408,416,461,468,486,493],{"type":62,"attrs":63,"content":66},"heading",{"level":64,"textAlign":65},3,null,[67],{"text":68,"type":69,"marks":70},"By using our site you accept these Terms and Conditions","text",[71],{"type":72},"bold",{"type":54,"attrs":74,"content":75},{"textAlign":65},[76,78,80,81,83,84,85,87,88,89],{"text":77,"type":69},"Please read these Terms and Conditions carefully and ensure that you understand them before using our site.",{"type":79},"hard_break",{"type":79},{"text":82,"type":69},"These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, https://www.banqup.com/ (“our site”). It is recommended that you print a copy of these Terms and Conditions for your future reference. These Terms and Conditions were last updated on September 3rd 2021.",{"type":79},{"type":79},{"text":86,"type":69},"Your agreement to comply with these Terms and Conditions is indicated by your use of our site. If you do not agree to these Terms and Conditions, you must stop using our site immediately.",{"type":79},{"type":79},{"text":90,"type":69},"The following documents also apply to your use of our site",{"type":92,"content":93},"bullet_list",[94,115],{"type":95,"content":96},"list_item",[97],{"type":54,"attrs":98,"content":99},{"textAlign":65},[100,102,113],{"text":101,"type":69},"Our ",{"text":103,"type":69,"marks":104},"Privacy notice ",[105],{"type":106,"attrs":107},"link",{"href":108,"uuid":109,"anchor":65,"custom":110,"target":111,"linktype":112},"/legal/privacy-notice","75fae8d7-0c95-4ecb-a3fc-0a3bd3585a85",{},"_self","story",{"text":114,"type":69},"This is also referred to below in Part 14.",{"type":95,"content":116},[117],{"type":54,"attrs":118,"content":119},{"textAlign":65},[120,121,129],{"text":101,"type":69},{"text":122,"type":69,"marks":123},"Cookie policy",[124],{"type":106,"attrs":125},{"href":126,"uuid":127,"anchor":65,"custom":128,"target":111,"linktype":112},"/legal/cookie-policy","11750e2e-e50b-4950-b8f1-0f4fc9f78db2",{},{"text":130,"type":69},"  This is also referred to below in Part 14.",{"type":62,"attrs":132,"content":134},{"level":133,"textAlign":65},4,[135],{"text":136,"type":69,"marks":137},"1. Definitions and Interpretation",[138],{"type":72},{"type":54,"attrs":140,"content":141},{"textAlign":65},[142,144,145,146,148,152,154,155,157,158,160,164],{"text":143,"type":69},"1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:",{"type":79},{"type":79},{"text":147,"type":69},"• “",{"text":149,"type":69,"marks":150},"Content",[151],{"type":72},{"text":153,"type":69},"” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer that appears on, or forms part of, our site; and",{"type":79},{"text":156,"type":69},"‍",{"type":79},{"text":159,"type":69},"• \"",{"text":161,"type":69,"marks":162},"We/Us/Our",[163],{"type":72},{"text":165,"type":69},"” means Banqup Group.",{"type":62,"attrs":167,"content":168},{"level":133,"textAlign":65},[169],{"text":170,"type":69,"marks":171},"2. Information about us",[172],{"type":72},{"type":54,"attrs":174,"content":175},{"textAlign":65},[176,178,179,180,182,183,184],{"text":177,"type":69},"2.1 Our site is operated by Banqup Group. We are a limited company registered in Belgium under company number 0886.277.617. Our registered address is Avenue Reine Astrid 92A 1310 La Hulpe, Belgium, and",{"type":79},{"type":79},{"text":181,"type":69},"2.2 Our VAT number is BE0886.277.617.",{"type":79},{"type":79},{"text":185,"type":69},"2.3 We are regulated by Financial Services and Market Authority (FSMA).",{"type":62,"attrs":187,"content":188},{"level":133,"textAlign":65},[189],{"text":190,"type":69,"marks":191},"3. How to contact us",[192],{"type":72},{"type":54,"attrs":194,"content":195},{"textAlign":65},[196,198,204],{"text":197,"type":69},"To contact us, please email us at ",{"text":199,"type":69,"marks":200},"info@banqup.com",[201],{"type":106,"attrs":202},{"href":203,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"mailto:info@unifiedpost.com?subject=Terms%20and%20Conditions",{"text":205,"type":69}," or use the contact form available on our site.",{"type":62,"attrs":207,"content":208},{"level":133,"textAlign":65},[209,213],{"text":210,"type":69,"marks":211},"4. Access to ",[212],{"type":72},{"text":214,"type":69},"our site",{"type":54,"attrs":216,"content":217},{"textAlign":65},[218,220,221,222,224,225,226],{"text":219,"type":69},"4.1 Access to our site is free of charge.",{"type":79},{"type":79},{"text":223,"type":69},"4.2 It is your responsibility to make the arrangements necessary in order to access our site.",{"type":79},{"type":79},{"text":227,"type":69},"4.3 Access to our site is provided on an “as is” and on an “as available” basis. We may suspend or discontinue our site (or any part of it) at any time. We do not guarantee that our site will always be available or that access to it will be uninterrupted. If We suspend or discontinue our site (or any part of it), We will try to give you reasonable notice of the suspension or discontinuation.",{"type":62,"attrs":229,"content":230},{"level":133,"textAlign":65},[231,235],{"text":232,"type":69,"marks":233},"5. 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You are therefore advised to check this page every time you use our site.",{"type":79},{"type":79},{"text":256,"type":69},"6.2 If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless We explicitly state otherwise.",{"type":62,"attrs":258,"content":259},{"level":133,"textAlign":65},[260,264,266],{"text":261,"type":69,"marks":262},"7. How you may use ",[263],{"type":72},{"text":265,"type":69},"our site ",{"text":267,"type":69,"marks":268},"and content (intellectual property rights)",[269],{"type":72},{"type":54,"attrs":271,"content":272},{"textAlign":65},[273,275,276,277,279,280,281,283,284,285,287,288,289,291,292,293],{"text":274,"type":69},"7.1 All content included on our site and the copyright and other intellectual property rights in that content belongs to or has been licensed by Us, unless specifically labelled otherwise. All content is protected by applicable Belgian and international intellectual property laws and treaties.",{"type":79},{"type":79},{"text":278,"type":69},"7.2 You may access, view, and use our site in a web browser (including any web browsing capability built into other types of software or app) and you may download our site (or any part of it) for caching (this usually occurs automatically).",{"type":79},{"type":79},{"text":282,"type":69},"7.3 You may print one copy and download extracts of any page(s) from our site for personal use only.",{"type":79},{"type":79},{"text":286,"type":69},"7.4 You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other content downloaded from our site must not be used separately from accompanying text.",{"type":79},{"type":79},{"text":290,"type":69},"7.5 Our status as the owner and author of the content on our site (or that of identified licensors, as applicable) must always be acknowledged.",{"type":79},{"type":79},{"text":294,"type":69},"7.6 You may not use any content saved or downloaded from our site for commercial purposes without first obtaining a licence from Us (or our licensors, as applicable).",{"type":62,"attrs":296,"content":297},{"level":133,"textAlign":65},[298,302],{"text":299,"type":69,"marks":300},"8. Links to ",[301],{"type":72},{"text":214,"type":69},{"type":54,"attrs":304,"content":305},{"textAlign":65},[306,308,309,310,312,313,314,316,317,318,320,321,322],{"text":307,"type":69},"8.1 You may link to any page on our site.",{"type":79},{"type":79},{"text":311,"type":69},"8.2 Links to our site must be fair and lawful. You must not take unfair advantage of Our reputation or attempt to damage Our reputation.",{"type":79},{"type":79},{"text":315,"type":69},"8.3 You must not link to our site in a manner that suggests any association with Us (where there is none) or any endorsement or approval from Us (where there is none).",{"type":79},{"type":79},{"text":319,"type":69},"8.4 Your link should not use any logos or trademarks displayed on our site without our express written permission.",{"type":79},{"type":79},{"text":323,"type":69},"8.5 You may not link to our site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.",{"type":62,"attrs":325,"content":326},{"level":133,"textAlign":65},[327],{"text":328,"type":69,"marks":329},"9. Links to other sites",[330],{"type":72},{"type":54,"attrs":332,"content":333},{"textAlign":65},[334,336,337,338],{"text":335,"type":69},"9.1 Links to other websites may be included on our site. Unless expressly stated, these sites are not under our control. We accept no responsibility or liability for the content of third-party websites.",{"type":79},{"type":79},{"text":339,"type":69},"9.2 The inclusion of a link to another website on our site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.",{"type":62,"attrs":341,"content":342},{"level":133,"textAlign":65},[343],{"text":344,"type":69,"marks":345},"10. Disclaimers",[346],{"type":72},{"type":54,"attrs":348,"content":349},{"textAlign":65},[350,352,353,354,356,357,358],{"text":351,"type":69},"10.1 Nothing on our site constitutes professional advice on which you should rely. It is provided for general information purposes only.",{"type":79},{"type":79},{"text":355,"type":69},"10.2 We make reasonable efforts to ensure that the content on our site is complete, accurate, and up to date, but We make no warranties, representations, or guarantees (express or implied) that this will always be the case.",{"type":79},{"type":79},{"text":359,"type":69},"10.3 If you are a business user, We exclude all implied representations, warranties, conditions, and other terms that may apply to our site and content.",{"type":62,"attrs":361,"content":362},{"level":133,"textAlign":65},[363],{"text":364,"type":69,"marks":365},"11. Our liability",[366],{"type":72},{"type":54,"attrs":368,"content":369},{"textAlign":65},[370,372,373,374,376,377,378],{"text":371,"type":69},"11.1 Nothing in these Terms and Conditions excludes or restricts our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.",{"type":79},{"type":79},{"text":375,"type":69},"11.2 If you are a business user (i.e. you are using our site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our site or the use of or reliance upon any content included on our site.",{"type":79},{"type":79},{"text":379,"type":69},"11.3 If you are a business user, We accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.",{"type":62,"attrs":381,"content":382},{"level":133,"textAlign":65},[383],{"text":384,"type":69,"marks":385},"12. Viruses, Malware, and Security",[386],{"type":72},{"type":54,"attrs":388,"content":389},{"textAlign":65},[390,392,393,394,396,397,398,400,401,402,404,405,406],{"text":391,"type":69},"12.1 We exercise reasonable skill and care to ensure that our site is secure and free from viruses and malware; however, We do not guarantee that this is the case.",{"type":79},{"type":79},{"text":395,"type":69},"12.2 You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other internet security risks.",{"type":79},{"type":79},{"text":399,"type":69},"12.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via our site.",{"type":79},{"type":79},{"text":403,"type":69},"12.4 You must not attempt to gain unauthorised access to any part of our site, the server on which our site is stored, or any other server, computer, or database connected to our site.",{"type":79},{"type":79},{"text":407,"type":69},"12.5 You must not attack our site by means of a denial of service attack, a distributed denial of service attack, or by any other means.",{"type":62,"attrs":409,"content":410},{"level":133,"textAlign":65},[411,415],{"text":412,"type":69,"marks":413},"13. Acceptable Usage of ",[414],{"type":72},{"text":214,"type":69},{"type":54,"attrs":417,"content":418},{"textAlign":65},[419,421,422,423,424,426,427,429,430,432,433,434,436,437,438,440,441,442,443,445,446,448,449,451,452,454,455,457,458,459],{"text":420,"type":69},"13.1 You may only use our site in a lawful manner:",{"type":79},{"text":156,"type":69},{"type":79},{"text":425,"type":69},"a) You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply;",{"type":79},{"text":428,"type":69},"b) You must not use our site in any way, or for any purpose, that is unlawful or fraudulent; and",{"type":79},{"text":431,"type":69},"c) You must not use our site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind.",{"type":79},{"type":79},{"text":435,"type":69},"13.2 If you fail to comply with the provisions of this Part 13, you will be in breach of these Terms and Conditions.",{"type":79},{"type":79},{"text":439,"type":69},"13.3 In that respect, We may take one or more of the following actions:",{"type":79},{"text":156,"type":69},{"type":79},{"text":444,"type":69},"a) Suspend or terminate your right to use our site;",{"type":79},{"text":447,"type":69},"b) Issue you with a written warning;",{"type":79},{"text":450,"type":69},"c) Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;",{"type":79},{"text":453,"type":69},"d) Take further legal action against you, as appropriate;",{"type":79},{"text":456,"type":69},"e) Disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or) Any other actions which We deem reasonably appropriate (and lawful).",{"type":79},{"type":79},{"text":460,"type":69},"13.4 We hereby exclude any and all liability arising out of any actions that We may take (including, but not limited to those set out above in Part 13.2) in response to your breach.",{"type":62,"attrs":462,"content":463},{"level":133,"textAlign":65},[464],{"text":465,"type":69,"marks":466},"14. How we use your personal information",[467],{"type":72},{"type":54,"attrs":469,"content":470},{"textAlign":65},[471,473,479,481],{"text":472,"type":69},"We will only use your personal information as set out in our ",{"text":474,"type":69,"marks":475},"Privacy notice",[476],{"type":106,"attrs":477},{"href":108,"uuid":109,"anchor":65,"custom":478,"target":111,"linktype":112},{},{"text":480,"type":69}," and our ",{"text":122,"type":69,"marks":482},[483],{"type":106,"attrs":484},{"href":126,"uuid":127,"anchor":65,"custom":485,"target":111,"linktype":112},{},{"type":62,"attrs":487,"content":488},{"level":133,"textAlign":65},[489],{"text":490,"type":69,"marks":491},"15. Law and jurisdiction",[492],{"type":72},{"type":54,"attrs":494,"content":495},{"textAlign":65},[496,498,499,500,502,503,504],{"text":497,"type":69},"15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, Belgian law.",{"type":79},{"type":79},{"text":501,"type":69},"15.2 If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. 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Nos clients peuvent ainsi gérer en toute confiance les complexités des déclarations électroniques et des transactions P2P transfrontalières.",[1474,1476],{"type":1411,"attrs":1475},{"color":1413},{"type":1453},{"text":1478,"type":69,"marks":1479}," »",[1480],{"type":1411,"attrs":1481},{"color":1413},{"type":54,"attrs":1483,"content":1484},{"textAlign":1429},[1485],{"text":1486,"type":69,"marks":1487},"Cette collaboration répond à un besoin profond du marché : transformer les réglementations européennes complexes en matière de facturation électronique et les tâches administratives en workflows simples et automatisés. L'objectif principal est de libérer les petites et moyennes entreprises (PME) des contraintes administratives, afin qu'elles puissent se concentrer entièrement sur la croissance de leur activité. En rationalisant les exigences complexes telles que la déclaration électronique en temps réel, ce partenariat garantit que la réglementation croissante constitue une base pour une meilleure compréhension des activités et une plus grande clarté des flux de trésorerie, et non une source de complexité.",[1488],{"type":1411,"attrs":1489},{"color":1413},{"type":1437,"content":1491},[1492],{"type":54,"attrs":1493,"content":1494},{"textAlign":1429},[1495,1499,1505,1510,1516,1522],{"text":1443,"type":69,"marks":1496},[1497],{"type":1411,"attrs":1498},{"color":1413},{"text":1500,"type":69,"marks":1501},"L'avenir de la facturation électronique et des paiements est fluide, conforme et intégré », ",[1502,1504],{"type":1411,"attrs":1503},{"color":1413},{"type":1453},{"text":1506,"type":69,"marks":1507},"a ajouté ",[1508],{"type":1411,"attrs":1509},{"color":1413},{"text":1511,"type":69,"marks":1512},"Nicolas de Beco, PDG du groupe Banqup. ",[1513,1515],{"type":1411,"attrs":1514},{"color":1413},{"type":72},{"text":1517,"type":69,"marks":1518},"« En approfondissant notre relation avec Visa, nous intégrons des capacités de paiement mondiales à notre plateforme. Cette puissante validation de notre stratégie SaaS pure player positionne Banqup comme le système d'exploitation financier essentiel pour les entreprises qui naviguent dans la nouvelle ère des obligations de facturation électronique",[1519,1521],{"type":1411,"attrs":1520},{"color":1413},{"type":1453},{"text":1523,"type":69,"marks":1524},". »",[1525],{"type":1411,"attrs":1526},{"color":1413},{"type":1437,"content":1528},[1529],{"type":54,"attrs":1530,"content":1531},{"textAlign":65},[1532,1536,1542,1546,1552,1557,1563,1569,1573,1579],{"text":1443,"type":69,"marks":1533},[1534],{"type":1411,"attrs":1535},{"color":1413},{"text":1537,"type":69,"marks":1538},"D'ici 2028, la facturation électronique obligatoire et la déclaration numérique en temps quasi réel seront en vigueur dans la plupart des économies européennes dans le cadre des réformes de la TVA à l'ère numérique, ce qui aura un impact direct sur plus de 26 millions de PME dans l'Union européenne",[1539,1541],{"type":1411,"attrs":1540},{"color":1413},{"type":1453},{"text":1478,"type":69,"marks":1543},[1544],{"type":1411,"attrs":1545},{"color":1413},{"text":1547,"type":69,"marks":1548},", ",[1549,1551],{"type":1411,"attrs":1550},{"color":1413},{"type":1453},{"text":1553,"type":69,"marks":1554},"declare ",[1555],{"type":1411,"attrs":1556},{"color":1413},{"text":1558,"type":69,"marks":1559},"Florence Mélique, vice-présidente senior du groupe Visa et directrice générale pour la France, la Belgique et le Luxembourg",[1560,1562],{"type":1411,"attrs":1561},{"color":1413},{"type":72},{"text":1564,"type":69,"marks":1565},". ",[1566,1568],{"type":1411,"attrs":1567},{"color":1413},{"type":1453},{"text":1443,"type":69,"marks":1570},[1571],{"type":1411,"attrs":1572},{"color":1413},{"text":1574,"type":69,"marks":1575},"Il ne s'agit pas seulement d'un changement en matière de conformité, mais d'une évolution fondamentale dans la manière dont l'argent et les données doivent être traités. Grâce à notre partenariat avec Banqup, Visa intègre des fonctionnalités de paiement commercial sécurisées directement dans les workflows de facturation et de gestion des commandes conformes, permettant ainsi aux entreprises de réduire les frictions administratives, d'améliorer la visibilité de leur trésorerie et d'opérer en toute confiance alors que les réglementations s'accélèrent",[1576,1578],{"type":1411,"attrs":1577},{"color":1413},{"type":1453},{"text":1523,"type":69,"marks":1580},[1581],{"type":1411,"attrs":1582},{"color":1413},{"_uid":1584,"cards":1585,"buttons":1589,"heading":1590,"tagline":8,"component":1591,"background":49,"description":1592},"5325d29c-9bd2-4aa6-be19-7672be8ea085",[1586,1587,1588],"f1846914-8e11-451a-939f-473a7b08ef26","e29cc19e-c220-4e3f-ae5d-d8c0827c2987","c195cbab-caf0-416d-a7aa-17a57d428467",[],"Articles similaires","cardSlider",{"type":51,"content":1593},[1594],{"type":54},{"id":1596,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1597,"copyright":8,"fieldtype":15,"meta_data":1598,"is_external_url":17},185557634607473,"https://a.storyblok.com/f/318078/1000x666/b025a8c20c/austrian-post-x-banqup-website-blog-image.png",{},[],[1601,1602],"53f53d8b-b52d-4766-863b-290d59034214","43132a85-c931-4893-9655-7832b64683fe",[1604,1605],"banqup","announcements","newsPage",[],"banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses","fr/resources/actualites/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup",-300,[1612],"Partnership",627731613,"08385055-4809-45dd-8368-ab7e56237e9c","2026-06-09T08:31:00.973Z",[],"resources/news/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses",[1619,1622,1625,1628],{"path":1620,"name":1621,"lang":522,"published":56},"resources/nieuws/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-versterkt-zijn-internationale-mogelijkheden-op-het-gebied-van-e-facturering-en-ctc-door-een-strategisch-partnerschap-met-banqup","Tessi versterkt zijn internationale mogelijkheden op het gebied van e-facturering en CTC door een strategisch partnerschap met Banqup",{"path":1623,"name":1624,"lang":515,"published":56},"resources/actualites/banqup-and-post-business-solutions-partner-to-revolutionize-digital-financial-workflows-for-austrian-businesses-banqup-and-visa-enter-strategic-partnership-to-deliver-integrated-e-invoicing-and-e-payment-solutions-tessi-renforce-sa-couverture-internationale-en-matiere-de-facturation-electronique-et-de-ctc-grace-a-un-partenariat-strategique-avec-banqup","Tessi renforce sa couverture internationale en matière de facturation électronique et de CTC grâce à un partenariat stratégique avec Banqup",{"path":1626,"name":1627,"lang":527,"published":56},"informationen/news/banqup-und-post-business-solutions-revolutionieren-oesterreichs-finanz-workflows","Banqup und Post Business Solutions revolutionieren Österreichs Finanz-Workflows",{"path":1617,"name":65,"lang":529,"published":65},[],"featuredLink",{"url":1632,"_uid":1641,"title":1642,"megaMenu":1643,"component":1179},{"id":1633,"url":8,"linktype":112,"fieldtype":20,"cached_url":1634,"prep":56,"story":1635},"e5b88a74-94ef-4f08-9157-cd766a0be76c","/fr/resources/",{"name":1636,"id":1637,"uuid":1633,"slug":1638,"url":1639,"full_slug":1640,"_stopResolving":56},"Resources library",627839377,"resources","resources/","fr/resources/","eddccbef-b49c-4dd9-a60c-15de8bb7d7f1","Aperçus",[1644],{"_uid":1645,"buttons":1646,"component":1097,"categoryLinks":1647,"featuredSections":1725},"3c00a8db-5d33-4bab-934d-c544aa74ead6",[],[1648],{"_uid":1649,"links":1650,"title":1724,"component":1150},"856ae7bd-bd6f-4931-8ecb-e73dca95ef36",[1651,1666,1680,1695,1710],{"url":1652,"_uid":1661,"image":1662,"title":1664,"component":106,"description":1665},{"id":1653,"url":8,"linktype":112,"fieldtype":20,"cached_url":1654,"prep":56,"story":1655},"79555907-0458-4269-aa01-b9a08eb55315","/fr/solutions/compliance-management/",{"name":1656,"id":1657,"uuid":1653,"slug":1658,"url":1659,"full_slug":1660,"_stopResolving":56},"Compliance",627609401,"compliance-management","solutions/compliance-management/","fr/solutions/gestion-de-la-conformite/","f9ca4e9e-ace4-4f08-ae85-a36c842229ec",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1663},{},"Gestion de la conformité","Conformité sans compromis. Éliminez le risque de non-conformité. Automatisez chaque facture.\n\n",{"url":1667,"_uid":1675,"image":1676,"title":1678,"component":106,"description":1679},{"id":1668,"url":8,"linktype":112,"fieldtype":20,"cached_url":1669,"prep":56,"story":1670},"93009d22-0733-4b93-a83d-9cb6787d6429","/fr/resources/blog/",{"name":1671,"id":1672,"uuid":1668,"slug":1671,"url":1673,"full_slug":1674,"_stopResolving":56},"blog",627840826,"resources/blog/","fr/resources/blog/","224ab465-7ae8-4444-9fcc-449140153de0",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1677},{},"Blog","Restez informé des dernières analyses, mises à jour et conseils de Banqup pour vous aider à rationaliser les finances de votre entreprise.",{"url":1681,"_uid":1690,"image":1691,"title":1693,"component":106,"description":1694},{"id":1682,"url":8,"linktype":112,"fieldtype":20,"cached_url":1683,"prep":56,"story":1684},"b6e1a58c-251d-4228-a52b-b1be2bdc9bed","/fr/resources/news/",{"name":1685,"id":1686,"uuid":1682,"slug":1687,"url":1688,"full_slug":1689,"_stopResolving":56},"News",627841874,"news","resources/news/","fr/resources/actualites/","15534395-decd-4fa0-ba51-0c02bf3c53c4",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1692},{},"Actualités","Obtenez les dernières actualités et annonces Banqup",{"url":1696,"_uid":1705,"image":1706,"title":1708,"component":106,"description":1709},{"id":1697,"url":8,"linktype":112,"fieldtype":20,"cached_url":1698,"prep":56,"story":1699},"653824fb-4b4f-42d9-ab22-38454348dc3c","/fr/resources/webinars/",{"name":1700,"id":1701,"uuid":1697,"slug":1702,"url":1703,"full_slug":1704,"_stopResolving":56},"Webinars",85199283064511,"webinars","resources/webinars/","fr/resources/webinars/","d7d28922-2e33-412e-81e2-1a4897235657",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1707},{},"Webinaires","Des webinaires riches en insights conçus pour aider les entreprises à gérer plus efficacement leurs processus de facturation et administratifs avec la solution Banqup.",{"url":1711,"_uid":1720,"image":1721,"title":1715,"component":106,"description":1723},{"id":1712,"url":8,"linktype":112,"fieldtype":20,"cached_url":1713,"prep":56,"story":1714},"349bc637-6fdb-4491-9761-777a7f2e23b7","/fr/resources/guides/",{"name":1715,"id":1716,"uuid":1712,"slug":1717,"url":1718,"full_slug":1719,"_stopResolving":56},"Guides",627854993,"guides","resources/guides/","fr/resources/guides/","f1dc6619-a40b-49a2-8918-1c54fbeb7a55",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1722},{},"Simplifiez votre gestion administrative et restez en conformité sans effort grâce à nos guides Banqup.","Ressources associées",[1726],{"_uid":1727,"link":1728,"button":2306,"component":1630},"6da6ac4b-75ea-4952-8683-2ee603129382",[1729,2104],{"name":1730,"created_at":1731,"published_at":1732,"updated_at":1733,"id":1734,"uuid":1735,"content":1736,"slug":2079,"full_slug":2080,"sort_by_date":2081,"position":2082,"tag_list":2083,"is_startpage":17,"parent_id":2084,"meta_data":65,"group_id":2085,"first_published_at":2086,"release_id":65,"lang":515,"path":65,"alternates":2087,"default_full_slug":2093,"translated_slugs":2094,"_stopResolving":56},"Still struggling with Peppol? 5 Tips to turn e-invoicing into a time-saver","2026-07-09T14:16:29.435Z","2026-07-13T14:24:41.487Z","2026-07-21T08:54:30.357Z",196267988780663,"b4b9fdcb-4a81-4e08-b7ed-86dbafbdddbd",{"seo":1737,"_uid":1741,"body":1742,"image":1994,"theme":8,"title":1998,"related":1999,"summary":2000,"category":2071,"component":2074,"createdOn":2075,"description":2076,"relatedCountries":2077,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":1738,"title":1739,"plugin":34,"description":1740},"4edd8008-f041-4f85-9256-87d3470a8632","5 conseils pour faire de la facturation électronique un gain de temps","Marre de ressaisir manuellement vos données de facturation encore et encore ? Découvrez pourquoi la facturation électronique via Peppol ralentit les PME belges et comment Banqup vous fait gagner du temps.","16c8f428-1f4d-4de1-906e-92744ad46fec",[1743,1888,1915,1984],{"_uid":1744,"text":1745,"component":506,"background":49},"44fb936c-0f39-466f-9849-631eab313300",{"type":51,"content":1746},[1747,1756,1761,1766,1771,1779,1787,1806,1811,1816,1821,1826,1831,1836,1841,1846,1851,1856,1861,1866,1868,1873,1878,1883],{"type":54,"attrs":1748,"content":1749},{"textAlign":65},[1750],{"text":1751,"type":69,"marks":1752},"La facturation électronique B2B obligatoire via le réseau Peppol est officiellement en vigueur en Belgique depuis le 1er janvier 2026. Les périodes de grâce et de tolérance initiales sont bel et bien derrière nous, et des amendes pour non-conformité sont désormais activement appliquées. Pourtant, le sentiment général des chefs d'entreprise belges reste particulièrement mitigé.",[1753,1755],{"type":1411,"attrs":1754},{"color":1413},{"type":72},{"type":54,"attrs":1757,"content":1758},{"textAlign":65},[1759],{"text":1760,"type":69},"Une récente étude de marché menée auprès des PME belges met en lumière une réalité frustrante : la promesse d'une simplification administrative s'est transformée en un casse-tête logistique pour beaucoup. À peine la moitié des entreprises interrogées déclarent constater un réel gain de temps, tandis qu'une part importante estime que cette obligation a alourdi la charge administrative plutôt que de l'alléger. Pour de nombreux entrepreneurs, la gestion administrative et financière semblait tout simplement plus facile avant l'entrée en vigueur de cette obligation.",{"type":54,"attrs":1762,"content":1763},{"textAlign":65},[1764],{"text":1765,"type":69},"Comment une initiative conçue pour optimiser les flux de travail des entreprises a-t-elle pu causer autant de frictions ? Plus important encore, comment pouvez-vous adapter votre entreprise pour vous assurer d'être du côté des gagnants en matière d'efficacité ?",{"type":62,"attrs":1767,"content":1768},{"level":690,"textAlign":65},[1769],{"text":1770,"type":69},"Le piège de l'inscription de dernière minute",{"type":54,"attrs":1772,"content":1773},{"textAlign":65},[1774],{"text":1775,"type":69,"marks":1776},"La cause principale de cette frustration généralisée réside dans le calendrier d'adoption. Une nette majorité d'entreprises belges a attendu les derniers mois, voire l'après-date limite, pour s'enregistrer sur le réseau Peppol.",[1777],{"type":1411,"attrs":1778},{"color":1413},{"type":54,"attrs":1780,"content":1781},{"textAlign":65},[1782],{"text":1783,"type":69,"marks":1784},"Cette ruée de dernière minute a provoqué une vague massive d'entreprises se tournant vers l'outil le plus proche, gratuit ou autonome, simplement pour rester en conformité avec la loi. Malheureusement, ces systèmes basiques ont rarement été choisis dans une optique d'intégration opérationnelle.",[1785],{"type":1411,"attrs":1786},{"color":1413},{"type":54,"attrs":1788,"content":1789},{"textAlign":65},[1790,1795,1801],{"text":1791,"type":69,"marks":1792},"Résultat : des milliers d'indépendants et de chefs d'entreprise se trouvent aujourd'hui piégés dans ",[1793],{"type":1411,"attrs":1794},{"color":1413},{"text":1796,"type":69,"marks":1797},"une boucle frustrante de double saisie",[1798,1800],{"type":1411,"attrs":1799},{"color":1413},{"type":72},{"text":1802,"type":69,"marks":1803},". Ils encodent une première fois une facture dans leur outil Peppol basique pour l'envoyer légalement à un client B2B, puis la saisissent manuellement une seconde fois dans leur logiciel comptable ou ERP parce que les deux systèmes ne communiquent pas entre eux. Avec des flux de travail aussi fragmentés, il n'est pas surprenant que les taux d'erreur augmentent et que l'efficacité promise soit introuvable.",[1804],{"type":1411,"attrs":1805},{"color":1413},{"type":62,"attrs":1807,"content":1808},{"level":690,"textAlign":65},[1809],{"text":1810,"type":69},"5 conseils pour utiliser Peppol plus efficacement",{"type":54,"attrs":1812,"content":1813},{"textAlign":65},[1814],{"text":1815,"type":69},"Peppol n'est pas le problème ; c'est le manque d'intégration qui l'est. Voici 5 conseils concrets pour reprendre le contrôle et faire en sorte que la facturation électronique fonctionne enfin pour votre entreprise.",{"type":62,"attrs":1817,"content":1818},{"level":64,"textAlign":65},[1819],{"text":1820,"type":69},"Conseil 1 : Fini la double saisie manuelle (choisissez un logiciel compatible)",{"type":54,"attrs":1822,"content":1823},{"textAlign":65},[1824],{"text":1825,"type":69},"Le plus grand défi de la mise en œuvre de Peppol en Belgique est la fragmentation des logiciels. Arrêtez d'utiliser des applications isolées et autonomes. Choisissez plutôt une solution qui sert de passerelle transparente entre vos outils de facturation, votre CRM et votre logiciel ERP. Lorsque les données circulent automatiquement entre vos systèmes, vous éliminez complètement le besoin de double saisie manuelle et réduisez le risque d'erreur humaine à zéro.",{"type":62,"attrs":1827,"content":1828},{"level":64,"textAlign":65},[1829],{"text":1830,"type":69},"Conseil 2 : Automatisez la collaboration avec votre comptable",{"type":54,"attrs":1832,"content":1833},{"textAlign":65},[1834],{"text":1835,"type":69},"Au lieu de perdre des jours à rassembler vos factures et reçus à la fin de chaque trimestre, vous pouvez automatiser l'ensemble de ce flux de travail. Une plateforme de facturation électronique connectée offre à votre comptable un accès sécurisé et en temps réel à une archive numérique. Vos livres de comptes restent ainsi constamment à jour, ce qui libère du temps pour votre conseiller financier afin qu'il vous propose un accompagnement stratégique proactif plutôt que de courir après les documents.",{"type":62,"attrs":1837,"content":1838},{"level":64,"textAlign":65},[1839],{"text":1840,"type":69},"Conseil 3 : Utilisez une passerelle Peppol intelligente pour la validation et le suivi des erreurs",{"type":54,"attrs":1842,"content":1843},{"textAlign":65},[1844],{"text":1845,"type":69},"De nombreuses PME sont confrontées à des messages d'erreur techniques cryptiques ou à des factures \"invisibles\" qui semblent disparaître dans le réseau. Une passerelle avancée valide automatiquement vos documents selon les normes officielles de formatage UBL/XML avant leur envoi. De plus, grâce aux réponses aux messages de facture (IMR), vous bénéficiez d'un \"accusé de réception\" numérique qui vous permet de savoir exactement quand votre transaction a été reçue avec succès.",{"type":62,"attrs":1847,"content":1848},{"level":64,"textAlign":65},[1849],{"text":1850,"type":69},"Conseil 4 : Protégez votre back-end contre la fraude à la facturation",{"type":54,"attrs":1852,"content":1853},{"textAlign":65},[1854],{"text":1855,"type":69},"La fraude aux factures numériques est en hausse. Une plateforme intégrée effectue des contrôles de conformité automatiques en arrière-plan en vérifiant les numéros de TVA et de la BCE (Banque-Carrefour des Entreprises) de vos partenaires commerciaux. Cela protège votre entreprise des factures fantômes et garantit que votre administration respecte les réglementations strictes sans que vous n'ayez à lever le petit doigt.",{"type":62,"attrs":1857,"content":1858},{"level":64,"textAlign":65},[1859],{"text":1860,"type":69},"Conseil 5 : Associez votre compte bancaire pour un rapprochement direct",{"type":54,"attrs":1862,"content":1863},{"textAlign":65},[1864],{"text":1865,"type":69},"Une véritable tranquillité d'esprit administrative s'obtient lorsque votre hub de facturation se connecte directement à vos comptes financiers. Cela permet de faire correspondre automatiquement les transactions entrantes et sortantes avec les factures ouvertes. Vous bénéficiez ainsi d'une vision limpide et en temps réel de votre fonds de roulement, tout en gérant vos relances de paiement en pilote automatique.",{"type":54,"attrs":1867},{"textAlign":65},{"type":62,"attrs":1869,"content":1870},{"level":690,"textAlign":65},[1871],{"text":1872,"type":69},"Conclusion : Choisir l’efficacité plutôt que la simple conformité",{"type":54,"attrs":1874,"content":1875},{"textAlign":65},[1876],{"text":1877,"type":69},"Le marché a évolué, et la facturation électronique structurée via Peppol est là pour rester. Cependant, l'infrastructure logicielle que vous construisez autour d'elle détermine si elle agira comme un goulot d'étranglement opérationnel ou comme un moteur d'efficacité pour votre entreprise. Les entreprises qui s'accrochent à des outils basiques et déconnectés continueront de perdre des heures précieuses en corrections manuelles.",{"type":54,"attrs":1879,"content":1880},{"textAlign":65},[1881],{"text":1882,"type":69},"Naviguer dans ce paysage avec un écosystème intégré vous permet de débloquer les véritables avantages de cette obligation : moins de paperasse, des paiements plus rapides, une sécurité solide contre la fraude et un flux de travail fluide. Cela nécessite un choix délibéré dans vos outils numériques, mais l'investissement est immédiatement rentabilisé dans la monnaie exacte promise dès le premier jour par la facturation électronique : le temps.",{"type":54,"attrs":1884,"content":1885},{"textAlign":65},[1886],{"text":1887,"type":69},"Chez Banqup, nous pensons que votre temps est mieux investi dans ce que vous faites de mieux : diriger et développer votre entreprise. L'administration financière doit vous soutenir, pas vous ralentir. C'est exactement pour cela que nous avons conçu notre plateforme en gardant à l'esprit ces intégrations essentielles. En agissant comme une passerelle transparente entre vos flux de travail quotidiens, votre comptable et le réseau Peppol, Banqup s'occupe de la complexité technique en arrière-plan afin que vous puissiez bénéficier d'une administration qui se gère pratiquement toute seule.",{"_uid":1889,"align":1389,"image":1890,"theme":546,"buttons":1892,"columns":559,"heading":1904,"padding":1393,"tagline":8,"component":1394,"variation":1905,"background":1906,"headingTag":1907,"description":1908,"invertTextColor":17},"7998de9e-a1e2-49c9-a904-550cd2adb13f",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":1891},{},[1893,1898],{"_uid":1894,"link":1895,"size":8,"title":1897,"variant":8,"component":575,"arrowRight":17},"b06c89d4-e3eb-4db4-819f-67bfedb7e79e",{"id":1104,"url":8,"target":573,"linktype":112,"fieldtype":20,"cached_url":1105,"prep":56,"story":1896},{"name":1107,"id":1108,"uuid":1104,"slug":1109,"url":1110,"translated_name":1111,"full_slug":1112,"_stopResolving":56},"Découvrez nos fonctionnalités",{"_uid":1899,"link":1900,"size":8,"title":1903,"variant":8,"component":575},"5a19219e-3cf1-46d3-8097-06fa064b83ed",{"id":1901,"url":8,"target":573,"linktype":112,"fieldtype":20,"cached_url":1902,"prep":56},"5ec4f8a8-cb0a-46e7-b73a-519e75510a2d","/fr/home","Commencer avec Banqup","Du fardeau à l’avantage","inside-grid","primary-50","h2",{"type":51,"content":1909},[1910],{"type":54,"attrs":1911,"content":1912},{"textAlign":65},[1913],{"text":1914,"type":69},"Prêt à transformer l’administration de votre entreprise ? Transformez cette obligation légale en un avantage opérationnel rationalisé dès aujourd’hui.",{"_uid":1916,"theme":8,"buttons":1917,"heading":1918,"tagline":8,"component":1919,"questions":1920,"background":49,"spacingTop":8,"description":1977,"spacingBottom":8,"hideBackgroundShapes":17},"b8fad7dd-5a42-48f6-b5b8-5ec9598840c9",[],"FAQ","faq",[1921,1935,1948],{"_uid":1922,"title":1923,"answer":1924,"component":1934},"3f50e753-063a-48bc-bccc-d36ee86830bd","Quelles sont les difficultés les plus courantes et les plus grands défis liés à la mise en œuvre de Peppol en Belgique ?",{"type":51,"content":1925},[1926],{"type":54,"attrs":1927,"content":1928},{"textAlign":65},[1929],{"text":1930,"type":69,"marks":1931},"Les principaux points de friction sont les systèmes logiciels déconnectés (des outils qui ne communiquent pas entre eux) et le risque de factures oubliées, puisque les factures électroniques arrivent directement dans le logiciel plutôt que dans une boîte de réception d'e-mails. La correction manuelle des fichiers UBL/XML défectueux ajoute également une charge administrative importante pour les entreprises qui ne disposent pas d'une validation automatisée.",[1932],{"type":1411,"attrs":1933},{"color":1413},"question",{"_uid":1936,"title":1937,"answer":1938,"component":1934},"4b1b498f-7e7d-4a80-a3df-c7bb4aaad75b","Quelles solutions logicielles aident à résoudre les problèmes Peppol, et qu'est-ce qui est compatible avec ma comptabilité ?",{"type":51,"content":1939},[1940],{"type":54,"attrs":1941,"content":1942},{"textAlign":65},[1943],{"text":1944,"type":69,"marks":1945},"Les plateformes intégrées comme Banqup résolvent directement ces problèmes. Banqup est un point d'accès Peppol agréé qui fonctionne avec presque tous les logiciels. Cela signifie qu'il se connecte de manière fluide avec la quasi-totalité des logiciels de comptabilité et de gestion d'entreprise populaires utilisés en Belgique. ",[1946],{"type":1411,"attrs":1947},{"color":1413},{"_uid":1949,"title":1950,"answer":1951,"component":1934},"befd64b1-4592-481c-bb97-d1676421cd77","Comment comprendre les messages d'erreur Peppol et quels sont les meilleurs services de validation ?",{"type":51,"content":1952},[1953,1961,1969],{"type":54,"attrs":1954,"content":1955},{"textAlign":65},[1956],{"text":1957,"type":69,"marks":1958},"La plupart des messages d'erreur Peppol courants sont dus à des structures de fichiers incorrectes, des écarts de calcul ou des données obligatoires manquantes, comme un numéro de TVA invalide.",[1959],{"type":1411,"attrs":1960},{"color":1413},{"type":54,"attrs":1962,"content":1963},{"textAlign":65},[1964],{"text":1965,"type":69,"marks":1966},"La meilleure solution consiste à utiliser un service doté d'un logiciel de validation intégré, tel que Banqup. Banqup vérifie automatiquement vos factures à l'avance, détecte ces problèmes rapidement et traduit les erreurs techniques en étapes claires et exploitables afin que vous puissiez les corriger instantanément.",[1967],{"type":1411,"attrs":1968},{"color":1413},{"type":54,"attrs":1970,"content":1971},{"textAlign":65},[1972],{"text":1973,"type":69,"marks":1974},"Si jamais vous rencontrez une erreur technique complexe qui ne semble pas claire, prenez simplement une capture d'écran ou copiez le texte et collez-le dans notre chatbot de support. Le robot traduira instantanément le jargon technique en un langage simple et compréhensible.",[1975],{"type":1411,"attrs":1976},{"color":1413},{"type":51,"content":1978},[1979],{"type":54,"attrs":1980,"content":1981},{"textAlign":65},[1982],{"text":1983,"type":69},"Des questions ? Nous avons des réponses claires et simples pour vous aider à démarrer avec Banqup.",{"_uid":1985,"cards":1986,"buttons":1990,"heading":1590,"tagline":8,"component":1591,"background":49,"description":1991},"57d54b69-8880-4ca2-806f-e8f8b2b353c8",[1987,1988,1989],"b20733ac-50aa-42d5-822b-7ce56bbc8e3f","ad0080e2-4a87-4bd8-9cee-d635641e1ba2","383ae459-7e7f-422b-9734-384ee20a5d9a",[],{"type":51,"content":1992},[1993],{"type":54},{"id":1995,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":1996,"copyright":8,"fieldtype":15,"meta_data":1997,"is_external_url":17},196275582338149,"https://a.storyblok.com/f/318078/6016x4016/f4facfc530/blog-cardbanner-save-time-with-e-invoicing.png",{},"Encore en difficulté avec Peppol ? 5 conseils pour transformer la facturation électronique en un gain de temps",[],{"type":51,"content":2001},[2002,2011],{"type":54,"attrs":2003,"content":2004},{"textAlign":65},[2005,2009],{"text":2006,"type":69,"marks":2007},"La facturation électronique obligatoire via Peppol en Belgique (depuis 2026)",[2008],{"type":72},{"text":2010,"type":69}," cause des maux de tête administratifs en raison de logiciels non intégrés qui imposent une double saisie manuelle. Banqup résout ce problème grâce à 5 conseils d'efficacité :",{"type":2012,"attrs":2013,"content":2015},"ordered_list",{"order":2014},1,[2016,2027,2038,2049,2060],{"type":95,"content":2017},[2018],{"type":54,"attrs":2019,"content":2020},{"textAlign":65},[2021,2025],{"text":2022,"type":69,"marks":2023},"Intégrez vos logiciels",[2024],{"type":72},{"text":2026,"type":69}," pour éliminer la double saisie manuelle des données.",{"type":95,"content":2028},[2029],{"type":54,"attrs":2030,"content":2031},{"textAlign":65},[2032,2036],{"text":2033,"type":69,"marks":2034},"Automatisez la collaboration",[2035],{"type":72},{"text":2037,"type":69}," en partageant des archives numériques en temps réel avec votre comptable.",{"type":95,"content":2039},[2040],{"type":54,"attrs":2041,"content":2042},{"textAlign":65},[2043,2047],{"text":2044,"type":69,"marks":2045},"Utilisez une passerelle intelligente",[2046],{"type":72},{"text":2048,"type":69}," pour valider le formatage et suivre les accusés de réception.",{"type":95,"content":2050},[2051],{"type":54,"attrs":2052,"content":2053},{"textAlign":65},[2054,2058],{"text":2055,"type":69,"marks":2056},"Évitez la fraude",[2057],{"type":72},{"text":2059,"type":69}," grâce à des contrôles automatisés de la TVA et de la conformité des partenaires.",{"type":95,"content":2061},[2062],{"type":54,"attrs":2063,"content":2064},{"textAlign":65},[2065,2069],{"text":2066,"type":69,"marks":2067},"Associez vos comptes bancaires",[2068],{"type":72},{"text":2070,"type":69}," pour un rapprochement automatique des paiements.",[2072,2073,1604],"compliance","peppol","blogPage","2026-07-13 00:00","Des études de marché récentes montrent que de nombreux chefs d'entreprise belges perçoivent la facturation électronique obligatoire comme une perte de temps. Découvrez pourquoi des configurations logicielles précipitées obligent les entrepreneurs à ressaisir manuellement les données, et comment Banqup transforme cette obligation légale en un avantage automatisé et un gain de temps.",[2078],"Belgium","5-tips-to-turn-e-invoicing-into-a-time-saver","fr/resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps","2026-07-13",-4650,[],627731915,"19999dde-5c00-4545-b9a9-120b009246d3","2026-07-13T00:00:00.000Z",[2088],{"id":2089,"name":2090,"slug":2091,"published":56,"full_slug":2092,"is_folder":17,"parent_id":2084},178928846856955,"No more manual guesswork: 5 reasons to switch to automatic reconciliation","5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-reasons-why-you-should-do-automatic-reconciliation","resources/blog/5-tips-to-turn-e-invoicing-into-a-time-saver",[2095,2098,2100,2103],{"path":2096,"name":2097,"lang":522,"published":56},"resources/blog/5-tips-om-van-e-facturatie-een-tijdsbesparing-te-maken","Nog steeds moeite met Peppol? 5 tips om van e-facturatie een tijdsbesparing te maken",{"path":2099,"name":1998,"lang":515,"published":56},"resources/blog/5-conseils-pour-transformer-la-facturation-electronique-en-un-gain-de-temps",{"path":2101,"name":2102,"lang":527,"published":56},"informationen/blog/5-tipps-wie-sie-die-elektronische-rechnungsstellung-in-eine-echte-zeitersparnis-verwandeln","Immer noch Probleme mit Peppol? 5 Tipps, wie Sie die elektronische Rechnungsstellung in eine echte Zeitersparnis verwandeln",{"path":2093,"name":65,"lang":529,"published":65},{"name":2105,"created_at":2106,"published_at":2107,"updated_at":2108,"id":2109,"uuid":2110,"content":2111,"slug":2282,"full_slug":2283,"sort_by_date":65,"position":2284,"tag_list":2285,"is_startpage":17,"parent_id":1613,"meta_data":65,"group_id":2286,"first_published_at":2287,"release_id":65,"lang":515,"path":65,"alternates":2288,"default_full_slug":2294,"translated_slugs":2295,"_stopResolving":56},"Banqup SA is now a certified Qualified Trust Service Provider","2026-07-09T13:45:13.149Z","2026-07-14T07:14:59.776Z","2026-07-14T07:14:59.798Z",196260303535985,"ee865b64-00d2-44d1-a499-6a5df1cc7eed",{"seo":2112,"_uid":2116,"body":2117,"image":2273,"theme":8,"title":2114,"author":2277,"related":2278,"category":2279,"component":1606,"description":2280,"relatedCountries":2281,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":2113,"title":2114,"plugin":34,"description":2115},"cf5078c1-7595-4e41-9596-f44ba1016df5","Banqup SA est désormais un prestataire de services de confiance qualifié certifié","Banqup SA est officiellement inscrit en tant que prestataire de services de confiance qualifié (QTSP) selon le règlement eIDAS. Découvrez ce que cela signifie pour vos signatures et cachets électroniques.","c58ecc97-6b8c-4ee8-ae39-a491f987e0cc",[2118,2127],{"_uid":2119,"align":8,"image":2120,"theme":8,"buttons":2122,"columns":646,"heading":2114,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1907,"spacingTop":8,"description":2123,"spacingBottom":8,"hideBackgroundShapes":17},"2f075612-5d7f-4f1d-884d-a21c5555a4f9",{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2121},{},[],{"type":51,"content":2124},[2125],{"type":54,"attrs":2126},{"textAlign":65},{"_uid":2128,"text":2129,"theme":8,"component":506,"background":49},"43ee7c87-e3a8-480f-a27f-4f19bc73ba89",{"type":51,"content":2130},[2131,2140,2148,2150,2157,2162,2167,2175,2241,2243,2248,2253,2258,2263],{"type":54,"attrs":2132,"content":2133},{"textAlign":65},[2134],{"text":2135,"type":69,"marks":2136},"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS.",[2137],{"type":1411,"attrs":2138},{"color":2139},"#222222",{"type":54,"attrs":2141,"content":2142},{"textAlign":65},[2143],{"text":2144,"type":69,"marks":2145},"C’est une étape importante pour Banqup ainsi que pour les entreprises et organisations qui s’appuient chaque jour sur sa plateforme. Cela signifie que les signatures électroniques, les cachets et les certificats qui les alimentent peuvent tous provenir d’une source unique, réglementée et reconnue par l’UE.",[2146],{"type":1411,"attrs":2147},{"color":2139},{"type":54,"attrs":2149},{"textAlign":65},{"type":62,"attrs":2151,"content":2152},{"level":690,"textAlign":65},[2153],{"text":2154,"type":69,"marks":2155},"Ce que signifie concrètement être un QTSP",[2156],{"type":72},{"type":54,"attrs":2158,"content":2159},{"textAlign":65},[2160],{"text":2161,"type":69},"Le règlement eIDAS crée un cadre juridique clair pour les transactions électroniques dans tous les États membres de l’UE. Au sommet de ce cadre se trouvent les prestataires de services de confiance qualifiés, des organisations qui ont fait l’objet d’évaluations de conformité indépendantes et ont été formellement reconnues par leur autorité de contrôle nationale.",{"type":54,"attrs":2163,"content":2164},{"textAlign":65},[2165],{"text":2166,"type":69},"En Belgique, cette autorité est le SPF Économie. L’inscription sur la liste de confiance belge ne relève pas de l’auto-déclaration. Elle nécessite de réussir un audit indépendant réalisé par un organisme d’évaluation de la conformité accrédité, puis de renouveler cet audit au moins tous les 2 ans pour maintenir ce statut.",{"type":54,"attrs":2168,"content":2169},{"textAlign":65},[2170],{"text":2171,"type":69,"marks":2172},"Banqup SA a mené à bien ce processus. Quatre services sont désormais certifiés, notamment :",[2173],{"type":1411,"attrs":2174},{"color":2139},{"type":92,"content":2176},[2177,2193,2209,2225],{"type":95,"content":2178},[2179],{"type":54,"attrs":2180,"content":2181},{"textAlign":65},[2182,2188],{"text":2183,"type":69,"marks":2184},"QCert for ESig ",[2185,2187],{"type":1411,"attrs":2186},{"color":2139},{"type":72},{"text":2189,"type":69,"marks":2190},"délivre des certificats qualifiés de signature électronique aux particuliers. Ces certificats soutiennent les signatures électroniques qualifiées (SEQ), qui ont la même valeur juridique qu’une signature manuscrite en vertu du droit de l’UE. Elles sont admises en justice et légalement valables dans les 27 États membres.",[2191],{"type":1411,"attrs":2192},{"color":2139},{"type":95,"content":2194},[2195],{"type":54,"attrs":2196,"content":2197},{"textAlign":65},[2198,2204],{"text":2199,"type":69,"marks":2200},"QCert for ESeal ",[2201,2203],{"type":1411,"attrs":2202},{"color":2139},{"type":72},{"text":2205,"type":69,"marks":2206},"fait de même pour les organisations. Au lieu de lier un certificat à une personne physique, il le lie à une personne morale. Lorsqu’une entreprise appose son cachet sur un document avec un certificat délivré dans le cadre de ce service, cela prouve que le document provient de cette organisation et n’a pas été modifié depuis.",[2207],{"type":1411,"attrs":2208},{"color":2139},{"type":95,"content":2210},[2211],{"type":54,"attrs":2212,"content":2213},{"textAlign":65},[2214,2220],{"text":2215,"type":69,"marks":2216},"QRemManage for QSigCD ",[2217,2219],{"type":1411,"attrs":2218},{"color":2139},{"type":72},{"text":2221,"type":69,"marks":2222},"gère l’infrastructure distante qui rend possible la signature individuelle sans carte à puce physique. La clé privée du signataire réside dans un module matériel de sécurité (HSM) sécurisé et hébergé dans le cloud. Lorsqu’une personne signe, elle s’authentifie à distance, la signature s’effectue au sein du HSM et la clé ne le quitte jamais. Banqup gère ce dispositif : son approvisionnement, son maintien en activité et son déclassement le moment venu.",[2223],{"type":1411,"attrs":2224},{"color":2139},{"type":95,"content":2226},[2227],{"type":54,"attrs":2228,"content":2229},{"textAlign":65},[2230,2236],{"text":2231,"type":69,"marks":2232},"QRemManage for QSealCD",[2233,2235],{"type":1411,"attrs":2234},{"color":2139},{"type":72},{"text":2237,"type":69,"marks":2238}," est le même service, mais pour les cachets d’organisation. Il permet aux entreprises d’apposer des cachets sur des documents à grande échelle via une API, sans matériel sur site. Un système ERP peut déclencher automatiquement le cachetage de milliers de factures. La clé de cachetage reste dans le HSM géré par Banqup, et chaque opération est contrôlée par l’organisation.",[2239],{"type":1411,"attrs":2240},{"color":2139},{"type":54,"attrs":2242},{"textAlign":65},{"type":62,"attrs":2244,"content":2245},{"level":690,"textAlign":65},[2246],{"text":2247,"type":69},"Pourquoi cela compte pour les entreprises utilisant Banqup",{"type":54,"attrs":2249,"content":2250},{"textAlign":65},[2251],{"text":2252,"type":69},"Si vous utilisez Banqup pour envoyer des factures électroniques, gérer des documents ou traiter des paiements, la confiance est déjà intégrée à vos activités. La certification QTSP rend cette confiance officielle et légalement reconnue dans toute l’UE. ",{"type":54,"attrs":2254,"content":2255},{"textAlign":65},[2256],{"text":2257,"type":69},"Cela signifie que l’infrastructure qualifiée fait déjà partie de la plateforme que vous utilisez. Et cela signifie que lorsque les réglementations se durciront, comme c’est le cas avec l’entrée en vigueur complète d’eIDAS 2.0, Banqup sera déjà positionné pour vous maintenir en conformité.",{"type":54,"attrs":2259,"content":2260},{"textAlign":65},[2261],{"text":2262,"type":69},"Pour les comptables qui gèrent les documents des clients, pour les entreprises qui échangent des contrats, pour les équipes financières qui cachettent des volumes importants de factures : la couche qualifiée est là, certifiée et prête. Plus d’informations à ce sujet très bientôt.",{"type":1437,"content":2264},[2265],{"type":54,"attrs":2266,"content":2267},{"textAlign":65},[2268],{"text":2269,"type":69,"marks":2270},"« En fournissant des signatures électroniques qualifiées (SEQ) et des cachets électroniques qualifiés (CEQ) à distance sous eIDAS 2, Banqup offre aux organisations une confiance reconnue juridiquement dans les 27 États membres de l’UE. » – Hans Boone, Banqup Trust Services",[2271],{"type":1411,"attrs":2272},{"color":2139},{"id":2274,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":2275,"copyright":8,"fieldtype":15,"meta_data":2276,"is_external_url":17},196260478181357,"https://a.storyblok.com/f/318078/6016x4016/956db9fa22/blog-cardbanner-qtsp.png",{},[],[],[1604,1605],"Banqup SA est officiellement inscrit sur la liste de confiance belge en tant que prestataire de services de confiance qualifié (QTSP), proposant quatre services de confiance certifiés selon le règlement eIDAS. 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Découvrez notre nouvelle identité visuelle, la signification de notre plateforme aux codes couleur spécifiques, et notre engagement renouvelé à améliorer votre expérience client.",[2380,2387],{"_uid":2119,"align":8,"image":2381,"theme":8,"buttons":2383,"columns":646,"heading":2377,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1907,"spacingTop":8,"description":2384,"spacingBottom":8,"hideBackgroundShapes":17},{"id":65,"alt":65,"name":8,"focus":65,"title":65,"source":65,"filename":8,"copyright":65,"fieldtype":15,"meta_data":2382},{},[],{"type":51,"content":2385},[2386],{"type":54},{"_uid":2128,"text":2388,"theme":8,"component":506,"background":49},{"type":51,"content":2389},[2390,2395,2402,2411,2416,2421,2426,2431,2436,2441,2446,2459,2472,2485,2499,2504,2509,2514,2519,2524,2529,2534,2539],{"type":54,"attrs":2391,"content":2392},{"textAlign":65},[2393],{"text":2394,"type":69},"Le changement est une étape inévitable de l’évolution. 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Nous avons lu vos avis, suivi vos tickets d’assistance et écouté attentivement vos frustrations concernant la rapidité de la plateforme, sa stabilité et le support client.",{"type":54,"attrs":2427,"content":2428},{"textAlign":65},[2429],{"text":2430,"type":69},"Nous ne lançons pas ce nouveau look pour célébrer ou pour masquer ces défis. Nous l’introduisons comme un tournant. Pour chacun des membres de l’équipe Banqup, cette évolution visuelle représente un engagement renouvelé et concret à faire mieux.",{"type":62,"attrs":2432,"content":2433},{"level":690,"textAlign":65},[2434],{"text":2435,"type":69},"La signification derrière le design",{"type":54,"attrs":2437,"content":2438},{"textAlign":65},[2439],{"text":2440,"type":69},"Chaque nouvel élément que nous avons introduit a été choisi pour apporter de la clarté dans votre gestion administrative quotidienne.",{"type":54,"attrs":2442,"content":2443},{"textAlign":65},[2444],{"text":2445,"type":69},"Afin de rendre notre plateforme plus intuitive, nous avons introduit des couleurs distinctes et fonctionnelles pour les quatre piliers de notre écosystème. 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Discover with Banqup Group.","1b8d545a-9dc0-4820-92cf-33acc5ec45e3",[3139,3150,3309],{"_uid":3140,"align":8,"image":3141,"theme":49,"buttons":3145,"columns":646,"heading":3146,"padding":1393,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1396,"description":3147,"invertTextColor":56},"88c4598c-1319-444c-8387-b71ce17bcb71",{"id":3142,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3143,"copyright":8,"fieldtype":15,"meta_data":3144,"is_external_url":17},94983831409921,"https://a.storyblok.com/f/318078/1925x510/73fed41456/what-is-the-future-of-e-procurement-1.png",{},[],"Quel est l'avenir de l'approvisionnement électronique ?",{"type":51,"content":3148},[3149],{"type":54},{"_uid":3151,"text":3152,"component":506,"background":49},"2b2dd5f4-226d-4eea-a03f-9ed0f907a8a9",{"type":51,"content":3153},[3154,3159,3164,3169,3174,3176,3181,3186,3191,3196,3201,3206,3219,3224,3229,3234,3253,3258,3263,3268,3273,3284,3289,3294,3299,3304],{"type":62,"attrs":3155,"content":3156},{"level":690,"textAlign":65},[3157],{"text":3158,"type":69},"Les origines de l'approvisionnement électronique",{"type":54,"attrs":3160,"content":3161},{"textAlign":65},[3162],{"text":3163,"type":69},"Les achats électroniques (connus sous le nom d'e-approvisionnement ou de procure-to-pay) désignent l'utilisation d'Internet ou d'un système en réseau pour se procurer les services ou les biens dont une organisation a besoin.",{"type":54,"attrs":3165,"content":3166},{"textAlign":65},[3167],{"text":3168,"type":69},"Développé pour la première fois dans les années 1980 suite à la création de l'échange de données électronique (EDI), l'e-procurement a changé à jamais la façon dont les entreprises opèrent. L'EDI a permis aux clients et aux fournisseurs d'envoyer et de recevoir des documents électroniques pour la première fois, éliminant le besoin de partage physique et permettant ainsi à l'e-procurement de prospérer.",{"type":54,"attrs":3170,"content":3171},{"textAlign":65},[3172],{"text":3173,"type":69},"Au cours des prochaines décennies, la e-procurement a naturellement évolué, avec des développements tels que des solutions de e-procurement basées sur le web et la capacité de s'intégrer aux systèmes d'entreprise. Il est facile de comprendre pourquoi la e-procurement continue d'évoluer alors que les entreprises ont besoin de plus de visibilité, de sécurité et de fonctionnalités avec leurs systèmes de e-procurement. Mais où pouvons-nous nous attendre à ce que la e-procurement évolue ensuite ? Jetons un coup d'œil.",{"type":54,"attrs":3175},{"textAlign":65},{"type":62,"attrs":3177,"content":3178},{"level":64,"textAlign":65},[3179],{"text":3180,"type":69},"Tendances et innovations de l'approvisionnement électronique",{"type":54,"attrs":3182,"content":3183},{"textAlign":65},[3184],{"text":3185,"type":69},"Jetons un coup d'œil aux dernières tendances et à ce qui pourrait être en réserve pour l'avenir.",{"type":62,"attrs":3187,"content":3188},{"level":133,"textAlign":65},[3189],{"text":3190,"type":69},"Exploiter l'intelligence artificielle et l'apprentissage automatique dans les processus d'approvisionnement",{"type":54,"attrs":3192,"content":3193},{"textAlign":65},[3194],{"text":3195,"type":69},"L'intelligence artificielle et l'apprentissage automatique ont un impact sur les opérations commerciales à travers le monde. Les équipes d'approvisionnement ont le potentiel de résoudre des problèmes plus complexes de manière plus rapide et efficace en utilisant l'IA et l'apprentissage automatique.",{"type":54,"attrs":3197,"content":3198},{"textAlign":65},[3199],{"text":3200,"type":69},"Les entreprises peuvent intégrer l'IA dans les applications pour gérer l'analyse des dépenses, la recherche stratégique et la gestion des contrats. Cela permet de prendre de meilleures décisions organisationnelles car l'IA peut aider à la gestion des fournisseurs en capturant et en analysant les données des fournisseurs. En intégrant l'IA, les entreprises peuvent également profiter de insights rapides qui seraient difficiles à obtenir sans le rôle de l'IA. Cela est particulièrement utile dans le processus d'appel d'offres d'une organisation où les modèles dans les soumissions d'appels d'offres et les données de performance des fournisseurs peuvent être analysés.",{"type":54,"attrs":3202,"content":3203},{"textAlign":65},[3204],{"text":3205,"type":69},"Pour les fournisseurs, l'IA peut aider à améliorer la qualité des offres soumises. Cela se fait en analysant les écarts éventuels dans les propositions et en suggérant des moyens de les résoudre. L'apprentissage automatique intégré aux plateformes d'approvisionnement électronique peut apprendre les préférences et les comportements d'une entreprise au fil du temps. Cela permet au système de faire des achats automatiquement ou de suggérer des produits/services en fonction des besoins de l'organisation.",{"type":54,"attrs":3207,"content":3208},{"textAlign":65},[3209,3211,3217],{"text":3210,"type":69},"Il est alors clair de voir comment le rôle de l'IA transforme la manière dont fonctionne la e-procurement. L'",{"text":3212,"type":69,"marks":3213},"enquête 2021 du Directeur des Achats en Chef de Deloitte Global",[3214],{"type":106,"attrs":3215},{"href":3216,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://www2.deloitte.com/us/en/insights/topics/operations/chief-procurement-officer-cpo-survey.html",{"text":3218,"type":69}," constate que les meilleurs performeurs étaient 4 à 5 fois plus susceptibles d'avoir pleinement déployé des analyses/visualisations avancées et 10 fois plus susceptibles d'avoir pleinement déployé des solutions d'automatisation des processus robotiques (RPA). L'enquête a également révélé que les marques performantes avaient pleinement déployé des capacités d'analyse prédictive (12 % contre 0 % pour les autres) et étaient 18 fois plus susceptibles d'avoir pleinement déployé des capacités d'IA/cognitives.",{"type":62,"attrs":3220,"content":3221},{"level":133,"textAlign":65},[3222],{"text":3223,"type":69},"Le rôle de l'analyse prédictive dans l'optimisation des décisions d'approvisionnement",{"type":54,"attrs":3225,"content":3226},{"textAlign":65},[3227],{"text":3228,"type":69},"L'analyse prédictive est le processus d'analyse et d'utilisation des données pour faire des prédictions. Grâce à la capacité de lire les tendances/corrélations, ces systèmes peuvent analyser de grandes quantités de données et prédire la probabilité qu'une action particulière se produise, dans la plupart des cas mieux qu'un humain ne le pourrait.",{"type":54,"attrs":3230,"content":3231},{"textAlign":65},[3232],{"text":3233,"type":69},"Pour les achats, cela aide à optimiser les domaines clés au sein de l'entreprise. Des domaines tels que le risque (c'est-à-dire la détection de la fraude), l'efficacité des coûts, les sources d'approvisionnement et la gestion des relations.",{"type":54,"attrs":3235,"content":3236},{"textAlign":65},[3237,3239,3243,3245,3251],{"text":3238,"type":69},"En ce qui concerne les capacités numériques offrant le plus de valeur aux entreprises, l'",{"text":3212,"type":69,"marks":3240},[3241],{"type":106,"attrs":3242},{"href":3216,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},{"text":3244,"type":69}," a trouvé l'analyse prédictive mentionnée aux côtés de l'analyse diagnostique, de la visualisation, de la RPA et de l'IA. Dans une autre ",{"text":3246,"type":69,"marks":3247},"étude de 2022 par Deloitte,",[3248],{"type":106,"attrs":3249},{"href":3250,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://www2.deloitte.com/content/dam/Deloitte/it/Documents/deloitte-analytics/insight-driven-organization-survey-2022-deloitte-eng.pdf",{"text":3252,"type":69}," 51% des entreprises ont déclaré qu'elles étaient en train de développer ou de re-développer leur stratégie en matière de données, d'analyse et/ou d'IA, ce qui indique un accent accru sur ce domaine.",{"type":62,"attrs":3254,"content":3255},{"level":133,"textAlign":65},[3256],{"text":3257,"type":69},"Impact des pratiques d'approvisionnement durables et socialement responsables",{"type":54,"attrs":3259,"content":3260},{"textAlign":65},[3261],{"text":3262,"type":69},"La durabilité et la manière dont les entreprises se comportent sont sous les projecteurs depuis un certain temps déjà. La responsabilité sociale dans les achats est désormais davantage scrutée avec l'avènement des systèmes d'e-procurement.",{"type":54,"attrs":3264,"content":3265},{"textAlign":65},[3266],{"text":3267,"type":69},"Les revendications de responsabilité sociale faites par les fournisseurs peuvent désormais être surveillées et vérifiées grâce aux outils d'e-procurement. Cela signifie que les organisations doivent réfléchir à deux fois avant de partager des déclarations audacieuses.",{"type":54,"attrs":3269,"content":3270},{"textAlign":65},[3271],{"text":3272,"type":69},"Les achats durables sont susceptibles d'être l'avenir. Il s'agit du processus qui intègre les aspects environnementaux, de gouvernance et de responsabilité sociale des entreprises dans les processus d'approvisionnement et de prise de décision. Les entreprises responsables regarderont de manière plus favorable les fournisseurs qui sont également socialement responsables. Réduire l'empreinte carbone, utiliser des matériaux sourcés de manière éthique et réduire la consommation d'énergie sont quelques-unes des façons d'y parvenir.",{"type":54,"attrs":3274,"content":3275},{"textAlign":65},[3276,3282],{"text":3277,"type":69,"marks":3278},"Le rapport sur l'avenir des achats de KPMG",[3279],{"type":106,"attrs":3280},{"href":3281,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://kpmg.com/xx/en/home/services/advisory/management-consulting/optimize-your-sector-operations/future-procurement.html",{"text":3283,"type":69}," met en avant quelques domaines clés comme voie de croissance vers une approvisionnement plus efficace et durable. Le rapport inclut la création de transparence dans l'approvisionnement grâce à l'IA et d'autres outils, l'analyse prédictive pour aider à identifier les risques, en mettant l'accent sur la gestion des relations avec les fournisseurs et en co-développant de nouvelles approches pour stimuler l'innovation.",{"type":62,"attrs":3285,"content":3286},{"level":133,"textAlign":65},[3287],{"text":3288,"type":69},"Adoption de la technologie de la blockchain pour une transparence et une sécurité accrues",{"type":54,"attrs":3290,"content":3291},{"textAlign":65},[3292],{"text":3293,"type":69},"La blockchain est une technologie innovante qui établit un registre distribué de chaque transaction au sein d'un réseau et permet à plusieurs participants de le superviser simultanément. En termes d'approvisionnement, elle offre un moyen fiable de suivre le parcours d'un produit ou d'une transaction, depuis son origine jusqu'à son acquisition et son paiement final, garantissant une sécurité élevée tout au long du processus.",{"type":62,"attrs":3295,"content":3296},{"level":64,"textAlign":65},[3297],{"text":3298,"type":69},"Restez à jour avec les dernières nouveautés en matière d'approvisionnement électronique.",{"type":54,"attrs":3300,"content":3301},{"textAlign":65},[3302],{"text":3303,"type":69},"L'avenir de la e-procurement est en constante évolution. Au sein du groupe Banqup, nous surveillons de près les tendances pour fournir les informations et conseils les plus récents.",{"type":54,"attrs":3305,"content":3306},{"textAlign":65},[3307],{"text":3308,"type":69},"Visitez notre page procure-to-pay pour en savoir plus ou suivez notre page LinkedIn pour recevoir des mises à jour 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Explore with Banqup Group.","86012da8-11b0-41f1-95b3-39727ff35441",[3778,3790,3970],{"_uid":3779,"align":8,"image":3780,"theme":49,"buttons":3784,"columns":646,"heading":3785,"padding":1393,"tagline":3786,"component":1394,"variation":1395,"background":49,"headingTag":1396,"description":3787,"invertTextColor":56},"45625615-b5f6-4a41-9099-7a0bda8cf1f0",{"id":3781,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":3782,"copyright":8,"fieldtype":15,"meta_data":3783,"is_external_url":17},94978304844116,"https://a.storyblok.com/f/318078/1925x510/2616a5007e/what-is-the-future-of-e-procurement.png",{},[],"Quels sont les avantages de l'approvisionnement électronique ?","Transformation numérique",{"type":51,"content":3788},[3789],{"type":54},{"_uid":3791,"text":3792,"component":506,"background":49},"5fbc34a0-9584-4434-9796-04f5c8989389",{"type":51,"content":3793},[3794,3807,3809,3815,3821,3826,3831,3836,3841,3855,3860,3865,3870,3875,3888,3903,3908,3913,3918,3923,3928,3932,3937,3942,3949],{"type":54,"attrs":3795,"content":3796},{"textAlign":65},[3797,3799,3805],{"text":3798,"type":69},"La passation des marchés électronique (plus communément appelée e-procurement ou procure-to-pay) devient une partie importante des pratiques commerciales modernes, et son importance ne cesse d'augmenter. En fait, ",{"text":3800,"type":69,"marks":3801},"Verified Market Research",[3802],{"type":106,"attrs":3803},{"href":3804,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://www.verifiedmarketresearch.com/product/procurement-software-market/",{"text":3806,"type":69}," prévoit que le marché mondial des logiciels de gestion des achats atteindra une valeur de 8,6 milliards d'euros d'ici 2028. Nous aborderons ici les principaux avantages de l'e-approvisionnement et pourquoi il est devenu si essentiel pour les organisations d'adopter cette technologie.",{"type":54,"attrs":3808},{"textAlign":65},{"type":62,"attrs":3810,"content":3812},{"level":3811,"textAlign":65},5,[3813],{"text":3814,"type":69},"Efficacité et économies de coûts",{"type":62,"attrs":3816,"content":3818},{"level":3817,"textAlign":65},6,[3819],{"text":3820,"type":69},"Les systèmes d'e-procurement créent une efficacité accrue et des économies de coûts pour les entreprises de toutes tailles. Les tâches manuelles longues deviennent automatisées, améliorant ainsi le fonctionnement d'une entreprise.",{"type":54,"attrs":3822,"content":3823},{"textAlign":65},[3824],{"text":3825,"type":69},"Un défi persistant peut être le processus minutieux de la correspondance des documents. Par exemple, les confirmations de commande reçues des fournisseurs après l'envoi des bons de commande. Ce processus, bien qu'essentiel, peut être chronophage. Bien que la plupart du temps vos documents correspondent, il peut y avoir des écarts qui nécessitent une action rapide. Cela implique généralement de contacter le fournisseur pour trouver une solution.",{"type":54,"attrs":3827,"content":3828},{"textAlign":65},[3829],{"text":3830,"type":69},"Les processus de vérification des confirmations peuvent détourner des ressources d'autres tâches importantes. Avoir une solution numérique et automatisée en place pourrait automatiser ce processus de confirmation et alerter les entreprises en cas d'intervention nécessaire. Une telle solution rationalise les achats et répond à un défi de longue date.",{"type":62,"attrs":3832,"content":3833},{"level":3811,"textAlign":65},[3834],{"text":3835,"type":69},"Transparence et responsabilité accrues",{"type":54,"attrs":3837,"content":3838},{"textAlign":65},[3839],{"text":3840,"type":69},"Toutes les parties peuvent bénéficier d'une transparence et d'une responsabilité accrues grâce à la passation des marchés électronique.",{"type":54,"attrs":3842,"content":3843},{"textAlign":65},[3844,3846,3853],{"text":3845,"type":69},"Un accès en temps réel aux données d'approvisionnement signifie que les parties prenantes peuvent visualiser l'ensemble du cycle d'approvisionnement. De même, de nombreuses ",{"text":3847,"type":69,"marks":3848},"plateformes de e-procurement",[3849],{"type":106,"attrs":3850},{"href":3851,"uuid":3586,"anchor":65,"custom":3852,"target":111,"linktype":112},"/resources/blog/how-to-pick-the-right-e-procurement-solution",{},{"text":3854,"type":69}," incluent des fonctionnalités permettant aux entreprises d'automatiser les vérifications de conformité. Les entreprises ont ainsi l'assurance de rester conformes aux dernières réglementations et, avec des systèmes offrant une visibilité sur le processus d'approvisionnement, cela permet un meilleur suivi et une meilleure vérification des transactions.",{"type":54,"attrs":3856,"content":3857},{"textAlign":65},[3858],{"text":3859,"type":69},"De plus, un suivi amélioré et une surveillance de la performance des fournisseurs favorisent la responsabilisation et permettent aux entreprises de repérer les sous-performances et de résoudre les problèmes plus rapidement.",{"type":62,"attrs":3861,"content":3862},{"level":3811,"textAlign":65},[3863],{"text":3864,"type":69},"Gestion améliorée des relations avec les fournisseurs",{"type":54,"attrs":3866,"content":3867},{"textAlign":65},[3868],{"text":3869,"type":69},"Les achats en ligne peuvent améliorer les relations avec les fournisseurs. Les communications sont simplifiées et l'automatisation des tâches manuelles permet aux responsables des achats de consacrer plus de temps à la construction et au développement de relations.",{"type":54,"attrs":3871,"content":3872},{"textAlign":65},[3873],{"text":3874,"type":69},"Les plateformes d'e-procurement facilitent les interactions entre les fournisseurs préférés et les clients à travers des appels d'offres, des bons de commande et des factures. De plus, en se connectant à une base de données centralisée des fournisseurs, les entreprises peuvent être plus efficaces que jamais.",{"type":54,"attrs":3876,"content":3877},{"textAlign":65},[3878,3880,3886],{"text":3879,"type":69},"À travers ",{"text":3881,"type":69,"marks":3882},"la solution procure-to-pay de Banqup Group",[3883],{"type":106,"attrs":3884},{"href":3885,"uuid":65,"anchor":65,"custom":65,"target":65,"linktype":19},"/services/procure-to-pay",{"text":3887,"type":69},", un flux de travail d'approvisionnement à paiement automatisé et cohérent peut être créé, peu importe le canal, le protocole ou la technologie du fournisseur.",{"type":54,"attrs":3889,"content":3890},{"textAlign":65},[3891,3893,3901],{"text":3892,"type":69},"Les avantages de cela ne peuvent être réalisés que lorsque les entreprises et leurs fournisseurs adoptent conjointement des technologies telles que la facturation électronique, afin de moderniser leurs processus. Pour en savoir plus, lisez notre blog \"",{"text":3894,"type":69,"marks":3895},"Comment convaincre vos fournisseurs d'adopter la facturation électronique",[3896],{"type":106,"attrs":3897},{"href":3898,"uuid":3899,"anchor":65,"custom":3900,"target":111,"linktype":112},"/resources/blog/how-to-convince-your-suppliers-to-adopt-electronic-invoicing","39a6a8ef-0311-4e22-86d0-f6722eb3d060",{},{"text":3902,"type":69},"\".",{"type":62,"attrs":3904,"content":3905},{"level":3811,"textAlign":65},[3906],{"text":3907,"type":69},"Prise de décision basée sur les données",{"type":54,"attrs":3909,"content":3910},{"textAlign":65},[3911],{"text":3912,"type":69},"Grâce à la transparence créée par les solutions modernes, le processus d'approvisionnement peut être analysé à travers les données. Cela peut inclure les habitudes de dépenses d'une entreprise ou la qualité des biens ou services qu'elle reçoit de n'importe quel fournisseur donné.",{"type":54,"attrs":3914,"content":3915},{"textAlign":65},[3916],{"text":3917,"type":69},"La performance des fournisseurs peut être suivie dans le cadre de cette analyse, ce qui permet aux entreprises d'engager des négociations plus productives dans l'ensemble avec leurs fournisseurs pour prendre des décisions mieux informées.",{"type":54,"attrs":3919,"content":3920},{"textAlign":65},[3921],{"text":3922,"type":69},"De plus, l'accès à des analyses approfondies des achats et à des rapports permet de repérer plus fréquemment des opportunités d'économies de coûts.",{"type":54,"attrs":3924,"content":3925},{"textAlign":65},[3926],{"text":3927,"type":69},"Les données disponibles grâce aux systèmes de e-procurement peuvent rendre une entreprise plus efficace et rentable dans ses opérations.",{"type":62,"attrs":3929,"content":3930},{"level":3811,"textAlign":65},[3931],{"text":1149,"type":69},{"type":54,"attrs":3933,"content":3934},{"textAlign":65},[3935],{"text":3936,"type":69},"Découvrez l'offre procure-to-pay de Banqup Group et bénéficiez d'une solution rationalisée et automatisée.",{"type":54,"attrs":3938,"content":3939},{"textAlign":65},[3940],{"text":3941,"type":69},"Créez un processus de chaîne d'approvisionnement numérique cohérent qui vous permet de conserver votre système ERP existant ou votre logiciel de comptabilité, et de bénéficier d'un flux de travail collaboratif transparent.",{"type":62,"attrs":3943,"content":3944},{"level":3817,"textAlign":65},[3945],{"text":3946,"type":69,"marks":3947},"Sources",[3948],{"type":72},{"type":92,"content":3950},[3951,3960],{"type":95,"content":3952},[3953],{"type":54,"attrs":3954,"content":3955},{"textAlign":65},[3956],{"text":3804,"type":69,"marks":3957},[3958],{"type":106,"attrs":3959},{"href":3804,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},{"type":95,"content":3961},[3962],{"type":54,"attrs":3963,"content":3964},{"textAlign":65},[3965],{"text":3966,"type":69,"marks":3967},"https://www.techtarget.com/searchcio/definition/e-procurement",[3968],{"type":106,"attrs":3969},{"href":3966,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},{"_uid":3971,"cards":3972,"buttons":3975,"heading":1590,"tagline":8,"component":1591,"background":49,"description":3976},"6504081d-0202-485d-b86d-9b89bebeeb3f",[3973,3974,3727],"2fe735ae-6a82-4a0f-9dbc-de6d0d524bbb","8c83d3a6-f798-433c-9756-bcde3706cf39",[],{"type":51,"content":3977},[3978],{"type":54},{"id":3980,"alt":3766,"name":8,"focus":8,"title":3766,"source":8,"filename":3981,"copyright":8,"fieldtype":15,"meta_data":3982,"is_external_url":17},94978851869091,"https://a.storyblok.com/f/318078/1032x600/6306ab484c/64468dc625b5728e63c140f9_blog-what-is-e-procurement_website.jpg",{"alt":3766,"title":3766,"source":8,"copyright":8},[],[],{"type":51,"content":3986},[3987],{"type":54,"attrs":3988,"content":3989},{"textAlign":65},[3990],{"text":3991,"type":69},"L’e-procurement devient une partie importante des pratiques commerciales modernes. 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Learn what is PSD2, who it involves and the benefits for users.","a2c140bf-4777-4376-b065-48193cc813be",[4120,4131,4369],{"_uid":4121,"align":8,"image":4122,"theme":8,"buttons":4126,"columns":8,"heading":4127,"padding":1393,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1396,"description":4128,"invertTextColor":56},"4f1fc44a-91f6-4775-9856-2d00fe7533e9",{"id":4123,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4124,"copyright":8,"fieldtype":15,"meta_data":4125,"is_external_url":17},101683804437707,"https://a.storyblok.com/f/318078/3840x1017/235183ac59/a-beginner-s-guide-to-psd2.png",{},[],"Un guide pour débutants sur la DSP2",{"type":51,"content":4129},[4130],{"type":54},{"_uid":4132,"text":4133,"component":506,"background":49},"db453a4e-5c23-4bab-a261-fd609c33f0d9",{"type":51,"content":4134},[4135,4140,4142,4151,4161,4163,4168,4173,4178,4183,4197,4202,4207,4243,4245,4250,4255,4290,4292,4297,4302,4337,4339,4344,4349,4354],{"type":54,"attrs":4136,"content":4137},{"textAlign":65},[4138],{"text":4139,"type":69},"Acquérir une compréhension claire de la DSP, qui est impliqué et ce que cela signifie pour les entreprises, consultez notre guide pour débutants et téléchargez la vue d'ensemble simplifiée.",{"type":54,"attrs":4141},{"textAlign":65},{"type":54,"attrs":4143,"content":4144},{"textAlign":65},[4145],{"type":4146,"attrs":4147},"image",{"id":4148,"alt":8,"src":4149,"title":8,"source":8,"copyright":8,"meta_data":4150},112314833512027,"https://a.storyblok.com/f/318078/2500x1455/b22947be23/banqup-group-psd2-infographic_website.jpg",{},{"type":54,"attrs":4152,"content":4153},{"textAlign":65},[4154],{"text":4155,"type":69,"marks":4156},"Téléchargez le guide du débutant ici.",[4157],{"type":106,"attrs":4158},{"href":4159,"uuid":65,"anchor":65,"custom":4160,"target":573,"linktype":19},"https://a.storyblok.com/f/318078/x/6e4640ba3a/banqup-group-global-e-invoicing-and-e-reporting-mandates_november-2025_compressed.pdf",{},{"type":54,"attrs":4162},{"textAlign":65},{"type":62,"attrs":4164,"content":4165},{"level":64,"textAlign":65},[4166],{"text":4167,"type":69},"Qu'est-ce que la DSP2 ?",{"type":54,"attrs":4169,"content":4170},{"textAlign":65},[4171],{"text":4172,"type":69},"En termes simples, la DSP2 est la législation de la Commission européenne qui ouvre la voie à la participation des fournisseurs tiers et établit des processus d'authentification client robustes.",{"type":54,"attrs":4174,"content":4175},{"textAlign":65},[4176],{"text":4177,"type":69},"DSP2 est la deuxième version de la directive de la Commission européenne (CE) relative aux paiements. La première version était la DSP1 (ou simple DSP - directive sur les services de paiement), qui a été annoncée pour la première fois en 2007 et transposée en législation locale en 2009. La DSP a évolué en DSP2 en 2016.",{"type":54,"attrs":4179,"content":4180},{"textAlign":65},[4181],{"text":4182,"type":69},"Mais pourquoi le besoin d'évolution ?",{"type":54,"attrs":4184,"content":4185},{"textAlign":65},[4186,4188,4195],{"text":4187,"type":69},"La Commission européenne reconnaît la nécessité pour les processus de paiement d'évoluer, c'est pourquoi elle a initié la directive sur les services de paiement pour accélérer cette évolution. L'objectif de la Commission européenne est de favoriser l'innovation dans le secteur des paiements de l'UE grâce à une concurrence accrue. Les non-banques, telles que ",{"text":4189,"type":69,"marks":4190},"FinTechs",[4191],{"type":106,"attrs":4192},{"href":4193,"uuid":1901,"anchor":65,"custom":4194,"target":111,"linktype":112},"/",{},{"text":4196,"type":69},", ayez l'opportunité de participer, et la CE reconnaît que la concurrence stimule l'innovation, en reconnaissant que les non-banques peuvent innover plus rapidement.",{"type":62,"attrs":4198,"content":4199},{"level":64,"textAlign":65},[4200],{"text":4201,"type":69},"Qui est principalement impliqué dans la DSP2 ?",{"type":54,"attrs":4203,"content":4204},{"textAlign":65},[4205],{"text":4206,"type":69},"DSP2 affecte de nombreuses entreprises, consommateurs, banques et fournisseurs non bancaires en Europe, mais en général, il y a trois principales parties qui composent la directive et les changements :",{"type":2012,"attrs":4208,"content":4209},{"order":65},[4210,4221,4232],{"type":95,"content":4211},[4212],{"type":54,"attrs":4213,"content":4214},{"textAlign":65},[4215,4219],{"text":4216,"type":69,"marks":4217},"27 États membres européens:",[4218],{"type":72},{"text":4220,"type":69}," La DSP2 n'affecte pas tous les pays européens, seulement les 27 États membres de l'Union européenne.",{"type":95,"content":4222},[4223],{"type":54,"attrs":4224,"content":4225},{"textAlign":65},[4226,4230],{"text":4227,"type":69,"marks":4228},"Fournisseurs de services de paiement pour la gestion des comptes (ASPSP) :",[4229],{"type":72},{"text":4231,"type":69}," Les ASPSP sont des banques ou des institutions financières qui fournissent des comptes de paiement.",{"type":95,"content":4233},[4234],{"type":54,"attrs":4235,"content":4236},{"textAlign":65},[4237,4241],{"text":4238,"type":69,"marks":4239},"Fournisseurs de services tiers (TPP) :",[4240],{"type":72},{"text":4242,"type":69}," Les TPP sont des institutions qui peuvent initier des paiements ou accéder aux informations de compte avec le consentement de l'utilisateur.",{"type":54,"attrs":4244},{"textAlign":65},{"type":62,"attrs":4246,"content":4247},{"level":64,"textAlign":65},[4248],{"text":4249,"type":69},"Quels sont les principaux composants de la DSP2 ?",{"type":54,"attrs":4251,"content":4252},{"textAlign":65},[4253],{"text":4254,"type":69},"DSP2 se compose de trois composants principaux :",{"type":92,"content":4256},[4257,4268,4279],{"type":95,"content":4258},[4259],{"type":54,"attrs":4260,"content":4261},{"textAlign":65},[4262,4266],{"text":4263,"type":69,"marks":4264},"Accès au compte (XS2A): ",[4265],{"type":72},{"text":4267,"type":69},"L'accès au compte permet aux fournisseurs tiers (comme les FinTechs) d'accéder de manière sécurisée aux comptes de paiement d'un utilisateur avec son consentement. Cela permet aux utilisateurs de voir toutes leurs informations financières en un seul endroit. Ainsi, au lieu de passer d'un compte et d'une application à l'autre, un utilisateur n'a qu'à consulter une seule application pour obtenir une vue d'ensemble claire de sa situation financière.",{"type":95,"content":4269},[4270],{"type":54,"attrs":4271,"content":4272},{"textAlign":65},[4273,4277],{"text":4274,"type":69,"marks":4275},"Authentification forte du client (SCA) : ",[4276],{"type":72},{"text":4278,"type":69},"SCA garantit des transactions sécurisées et authentifiées. Cela implique d'authentifier les transactions grâce à une combinaison du mot de passe de l'utilisateur et d'une deuxième méthode. La deuxième méthode pourrait être via un appareil mobile, comme la confirmation de votre mot de passe via une application de paiement ou d'authentification, ou via un lecteur de carte vous fournissant un code à usage unique.",{"type":95,"content":4280},[4281],{"type":54,"attrs":4282,"content":4283},{"textAlign":65},[4284,4288],{"text":4285,"type":69,"marks":4286},"Banque ouverte : ",[4287],{"type":72},{"text":4289,"type":69},"La banque ouverte permet à différentes institutions financières de partager les données financières des clients entre elles de manière sécurisée. L'initiative de la banque ouverte permet aux utilisateurs d'utiliser une variété de services financiers auprès de différents prestataires. Cela permet aux utilisateurs de sélectionner facilement les services spécifiques qu'ils souhaitent parmi différents prestataires. Les utilisateurs ne sont plus limités à une seule banque ou à un seul fournisseur de services de paiement ; ils peuvent plutôt opter pour différents prestataires qui excellent dans différents domaines.",{"type":54,"attrs":4291},{"textAlign":65},{"type":62,"attrs":4293,"content":4294},{"level":64,"textAlign":65},[4295],{"text":4296,"type":69},"Quels sont les avantages de la DSP2 pour les entreprises et les consommateurs ?",{"type":54,"attrs":4298,"content":4299},{"textAlign":65},[4300],{"text":4301,"type":69},"DSP2 crée de nombreux avantages tant pour les entreprises que pour les consommateurs. En favorisant la concurrence et l'innovation, DSP2 offre aux utilisateurs la possibilité d'utiliser davantage de services de paiement dotés de processus novateurs. Les utilisateurs peuvent également s'attendre à bénéficier des avantages suivants :",{"type":92,"content":4303},[4304,4315,4326],{"type":95,"content":4305},[4306],{"type":54,"attrs":4307,"content":4308},{"textAlign":65},[4309,4313],{"text":4310,"type":69,"marks":4311},"Augmentation de la concurrence. ",[4312],{"type":72},{"text":4314,"type":69},"Les TPP ont la possibilité d'offrir des services financiers innovants, offrant aux utilisateurs plus de choix.",{"type":95,"content":4316},[4317],{"type":54,"attrs":4318,"content":4319},{"textAlign":65},[4320,4324],{"text":4321,"type":69,"marks":4322},"Sécurité renforcée:",[4323],{"type":72},{"text":4325,"type":69}," Avec l'authentification forte du client (SCA), les utilisateurs peuvent être plus tranquilles, sachant que leur compte de paiement et leurs transactions sont plus sécurisés. Grâce à la SCA, les banques réduisent le risque de fraude et d'activité financière non autorisée dans un monde en ligne.",{"type":95,"content":4327},[4328],{"type":54,"attrs":4329,"content":4330},{"textAlign":65},[4331,4335],{"text":4332,"type":69,"marks":4333},"Expérience utilisateur améliorée:",[4334],{"type":72},{"text":4336,"type":69}," Plutôt que de passer d'un compte de paiement à un autre, les utilisateurs ont la possibilité de consulter toutes leurs informations financières provenant de plusieurs comptes au même endroit.",{"type":54,"attrs":4338},{"textAlign":65},{"type":62,"attrs":4340,"content":4341},{"level":64,"textAlign":65},[4342],{"text":4343,"type":69},"Quelle est la prochaine étape pour la DSP2 ?",{"type":54,"attrs":4345,"content":4346},{"textAlign":65},[4347],{"text":4348,"type":69},"En juin 2023, la Commission européenne a annoncé la prochaine évolution de la directive sur les services de paiement - DSP3.",{"type":54,"attrs":4350,"content":4351},{"textAlign":65},[4352],{"text":4353,"type":69},"La DSP3 apportera une nouvelle vague d'opportunités, d'innovation et des processus encore plus sécurisés. La directive est encore en cours de développement, et des changements potentiels pourraient survenir en fonction des retours des États membres, mais nous pouvons nous attendre à ce que la directive soit transposée dans les lois locales entre 2025 et 2026.",{"type":54,"attrs":4355,"content":4356},{"textAlign":65},[4357,4359,4367],{"text":4358,"type":69},"Pour comprendre pleinement de quoi il s'agit, jetez un œil à ",{"text":4360,"type":69,"marks":4361},"notre interview avec l'expert en paiements de Banqup Group, Jan Van Bulck. ",[4362],{"type":106,"attrs":4363},{"href":4364,"uuid":4365,"anchor":65,"custom":4366,"target":111,"linktype":112},"/resources/blog/navigating-psd3-psr-an-exclusive-interview-with-unifiedpost-group-s-payments-expert","00b63951-a7a4-405e-814a-20a6903cfbea",{},{"text":4368,"type":69},"Découvrez les principaux aspects de la DSP3, les changements qu'elle apporte et ses implications pour les entreprises et les consommateurs.",{"_uid":4370,"cards":4371,"buttons":4375,"heading":1590,"tagline":8,"component":1591,"background":49,"description":4376},"dcba8d29-0b3d-4931-9808-e8429f1dc9d3",[4372,4373,4374],"d92b34db-42fe-4d70-b836-ebf689b32790","e02fffa6-0719-460f-832b-bd8a2976400b","01e6490d-0abd-468e-995e-a78f1ff7956f",[],{"type":51,"content":4377},[4378],{"type":54},{"id":4148,"alt":4108,"name":8,"focus":8,"title":4108,"source":8,"filename":4149,"copyright":8,"fieldtype":15,"meta_data":4380,"is_external_url":17},{"alt":4108,"title":4108,"source":8,"copyright":8},[],[],{"type":51,"content":4384},[4385],{"type":54,"attrs":4386,"content":4387},{"textAlign":65},[4388],{"text":4389,"type":69},"La DSP2 est la deuxième directive relative aux paiements initiée par la Commission européenne en 2016. Malgré l’avancement de la mise en œuvre de la DSP2 et de ses changements, il peut encore être difficile de comprendre de quoi il s’agit exactement. Découvrez les détails ici.",[3086,3067],"DSP2 est la deuxième directive relative aux paiements initiée par la Commission européenne en 2016. Malgré une mise en œuvre avancée de DSP2 et de ses changements, il peut encore être difficile de comprendre de quoi il s'agit. Découvrez les détails ici.",[],"a-beginner-s-guide-to-psd2","fr/resources/blog/a-beginner-s-guide-to-psd2","2023-12-17",-1190,[],"daa6696f-f955-4bc8-8901-d8436bd0703d","2023-12-17T09:31:00.000Z",[],"resources/blog/a-beginner-s-guide-to-psd2",[4403,4404,4405,4408],{"path":4401,"name":65,"lang":522,"published":65},{"path":4401,"name":65,"lang":515,"published":65},{"path":4406,"name":4407,"lang":527,"published":56},"informationen/blog/ein-leitfaden-fuer-einsteiger-zu-psd2","Ein Leitfaden für Einsteiger zu PSD2",{"path":4401,"name":65,"lang":529,"published":65},{"name":4410,"created_at":4411,"published_at":4412,"updated_at":4413,"id":4414,"uuid":3726,"content":4415,"slug":4578,"full_slug":4579,"sort_by_date":4580,"position":4581,"tag_list":4582,"is_startpage":17,"parent_id":2084,"meta_data":65,"group_id":4583,"first_published_at":4584,"release_id":65,"lang":515,"path":65,"alternates":4585,"default_full_slug":4586,"translated_slugs":4587,"_stopResolving":56},"Poland announces a further B2B mandate delay","2025-09-05T08:40:37.232Z","2026-07-24T15:02:22.176Z","2026-07-24T15:02:22.199Z",87539864546077,{"seo":4416,"_uid":4420,"body":4421,"image":4561,"theme":8,"title":4429,"author":4565,"related":4566,"summary":4567,"category":4574,"component":2074,"createdOn":8,"description":4575,"relatedCountries":4576,"transparentNavigation":17,"excludeFromRelatedList":17},{"_uid":4417,"title":4418,"plugin":34,"description":4419},"465393e2-ece7-44e9-a114-6f95a6a52578","Poland Announces B2B Mandate Delay | Blog - Banqup","Poland’s Minister of Finance has announced a further delay for the country’s B2B electronic invoicing mandate. Find out the key details with Banqup Group.","1ec55aad-00f0-47cc-bf09-f593da25a24a",[4422,4433,4544,4549],{"_uid":4423,"align":8,"image":4424,"buttons":4428,"heading":4429,"padding":1393,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1396,"description":4430,"invertTextColor":56},"0be83736-6f33-422c-870b-62f5a1b9f2f3",{"id":4425,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":4426,"copyright":8,"fieldtype":15,"meta_data":4427,"is_external_url":17},94969082567886,"https://a.storyblok.com/f/318078/1925x510/df9365eb9a/poland-announces-a-further-b2b-mandate-delay.png",{},[],"La Pologne annonce un nouveau retard de mandat B2B",{"type":51,"content":4431},[4432],{"type":54},{"_uid":4434,"text":4435,"component":506,"background":49},"9c6121ef-16a2-45bb-be8b-5c375ca4cae7",{"type":51,"content":4436},[4437,4442,4457,4459,4464,4469,4484,4489,4491,4496,4501,4506,4508,4513,4518,4523],{"type":54,"attrs":4438,"content":4439},{"textAlign":65},[4440],{"text":4441,"type":69},"Lors d'une conférence de presse le 19 janvier 2024, le ministre des Finances de la Pologne, Andrzej Domański, a annoncé que l'obligation de facturation électronique interentreprises (B2B) du pays ne débutera pas le 1er juillet 2024 comme initialement prévu. ",{"type":54,"attrs":4443,"content":4444},{"textAlign":65},[4445,4447,4455],{"text":4446,"type":69},"Une nouvelle date pour la mise en œuvre de la facturation électronique obligatoire en ",{"text":4448,"type":69,"marks":4449},"Pologne",[4450],{"type":106,"attrs":4451},{"href":4452,"uuid":4453,"anchor":65,"custom":4454,"target":111,"linktype":112},"/resources/compliance-pulse/poland","c3c165a5-8ad8-4d4d-b1d9-407786c3279f",{},{"text":4456,"type":69}," Seront annoncés après un audit externe du KSeF.",{"type":54,"attrs":4458},{"textAlign":65},{"type":62,"attrs":4460,"content":4461},{"level":64,"textAlign":65},[4462],{"text":4463,"type":69},"L'histoire de la réglementation en Pologne",{"type":54,"attrs":4465,"content":4466},{"textAlign":65},[4467],{"text":4468,"type":69},"Ce n'est pas la première fois que nous voyons un pays retarder sa proposition de facturation électronique B2B.",{"type":54,"attrs":4470,"content":4471},{"textAlign":65},[4472,4474,4482],{"text":4473,"type":69},"Le mandat B2B de la Pologne devait initialement commencer le 1er janvier 2024. Le ",{"text":4475,"type":69,"marks":4476},"31 janvier 2023",[4477],{"type":106,"attrs":4478},{"href":4479,"uuid":4480,"anchor":65,"custom":4481,"target":111,"linktype":112},"/resources/blog/poland-s-b2b-electronic-invoicing-delay","d51e9767-4793-4d47-b2c4-e861a22edfec",{},{"text":4483,"type":69},", le ministre a annoncé un retard de six mois, qui a maintenant été repoussé encore plus loin.",{"type":54,"attrs":4485,"content":4486},{"textAlign":65},[4487],{"text":4488,"type":69},"Le ministre Domański déclare maintenant que l'état actuel des préparatifs techniques pour la mise en œuvre de la facturation électronique obligatoire en Pologne ne permet pas une mise en œuvre sûre du KSeF obligatoire, ni à partir du 1er juillet 2024, ni d'ici la fin de 2024.",{"type":54,"attrs":4490},{"textAlign":65},{"type":62,"attrs":4492,"content":4493},{"level":64,"textAlign":65},[4494],{"text":4495,"type":69},"Quels mandats existent actuellement en Pologne ?",{"type":54,"attrs":4497,"content":4498},{"textAlign":65},[4499],{"text":4500,"type":69},"Les contribuables polonais peuvent déjà utiliser la plateforme nationale de facturation électronique du pays (KSeF) pour échanger des factures électroniques avec le gouvernement et d'autres entreprises sur une base volontaire. L'utilisation obligatoire de KSeF est maintenant en débat, car les dates initiales du 1er juillet 2024 (pour les entreprises assujetties à la TVA) et du 1er janvier 2025 (pour les entreprises exonérées de TVA) ne sont plus valides.",{"type":54,"attrs":4502,"content":4503},{"textAlign":65},[4504],{"text":4505,"type":69},"Malgré le report de ces mandats, un certain niveau de facturation électronique obligatoire est déjà en vigueur dans le pays. Tout comme de nombreux États membres européens, les entités gouvernementales de la Pologne doivent être en mesure de recevoir des factures électroniques, même s'il n'est pas obligatoire pour les entreprises de les envoyer. Ces factures doivent être transmises via le réseau Peppol au format Peppol BIS 3.0, et toutes les factures doivent être conservées pendant au moins 10 ans.",{"type":54,"attrs":4507},{"textAlign":65},{"type":62,"attrs":4509,"content":4510},{"level":64,"textAlign":65},[4511],{"text":4512,"type":69},"Qu'est-ce que le retard signifie pour les entreprises polonaises ?",{"type":54,"attrs":4514,"content":4515},{"textAlign":65},[4516],{"text":4517,"type":69},"Certaines entreprises peuvent pousser un soupir de soulagement en sachant qu'elles ont plus de temps pour mettre en place leurs processus de facturation électronique. Cependant, ce retard ne signifie pas que les entreprises peuvent se permettre de relâcher leurs efforts.",{"type":54,"attrs":4519,"content":4520},{"textAlign":65},[4521],{"text":4522,"type":69},"Mettre en place les processus de facturation électronique corrects et conformes peut être une tâche chronophage. Chez Banqup, nous travaillons avec de nombreuses entreprises à travers le monde, les aidant à établir des procédures conformes pour garantir qu'elles respectent les cadres réglementaires locaux. Étant donné que nous travaillons déjà avec de nombreuses entreprises polonaises, nous sommes bien équipés pour comprendre les besoins d'une entreprise locale.",{"type":54,"attrs":4524,"content":4525},{"textAlign":65},[4526,4528,4534,4536,4542],{"text":4527,"type":69},"Pour vous assurer que vous avez les bons processus en place, ",{"text":4529,"type":69,"marks":4530},"téléchargez notre liste de contrôle utile",[4531],{"type":106,"attrs":4532},{"href":4452,"uuid":4453,"anchor":65,"custom":4533,"target":111,"linktype":112},{},{"text":4535,"type":69}," et ",{"text":4537,"type":69,"marks":4538},"contactez un membre de notre équipe locale Banqup en Pologne",[4539],{"type":106,"attrs":4540},{"href":4452,"uuid":4453,"anchor":65,"custom":4541,"target":111,"linktype":112},{},{"text":4543,"type":69}," pour discuter de vos besoins en matière de facturation électronique.",{"_uid":4545,"page":4546,"component":4548},"b2e59dd5-b5a4-4e19-8072-c83430cba8a3",[4547],"1c5ef7ec-6652-4b5a-bd47-c808d7275ebc","author",{"_uid":4550,"cards":4551,"buttons":4557,"heading":1590,"tagline":8,"component":1591,"background":49,"description":4558},"675173bd-d707-4230-b306-69e41d2e5d62",[4552,4553,4554,4555,4556],"414cd7dc-2643-4008-8f9d-8ea66f9e2ed7","82923094-27eb-4d32-8940-145d471fc689","b2167ab1-d3c8-4c95-b323-60a69fb1d53d","046b6e17-b5fc-4b63-a3bd-a9cb1c25fe61","884f0e37-a62b-4794-998f-2c3a6f5e936f",[],{"type":51,"content":4559},[4560],{"type":54},{"id":4562,"alt":4410,"name":8,"focus":8,"title":4410,"source":8,"filename":4563,"copyright":8,"fieldtype":15,"meta_data":4564,"is_external_url":17},87540181985181,"https://a.storyblok.com/f/318078/1032x600/75a6b3cdca/65afe2bf9d96d37f2951954e_blog-poland-announces-a-further-b2b-mandate-delay_website-1.webp",{"alt":4410,"title":4410,"source":8,"copyright":8},[4547],[],{"type":51,"content":4568},[4569],{"type":54,"attrs":4570,"content":4571},{"textAlign":65},[4572],{"text":4573,"type":69},"Lors d'une conférence de presse le 19 janvier 2024, le ministre polonais des Finances - Andrzej Domański - a annoncé que l'obligation de facturation électronique interentreprises (B2B) dans le pays ne débuterait pas le 1er juillet 2024 comme initialement prévu. ",[3086,2072,3090],"Lors d'une conférence de presse le 19 janvier 2024, le ministre des Finances de la Pologne, Andrzej Domański, a annoncé que le mandat de facturation électronique interentreprises (B2B) du pays ne débutera pas le 1er juillet 2024 comme initialement prévu. 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Le but de ce projet de loi et de l'introduction d'un mandat B2B est de digitaliser, automatiser et accélérer l'échange de données entre les entreprises et le Service public fédéral Finances.",{"type":54,"attrs":4642,"content":4643},{"textAlign":65},[4644],{"text":4645,"type":69},"Un aspect innovant qui vise à encourager les entreprises à soutenir le projet de loi est l'introduction d'une incitation fiscale. Cette incitation représente la première reconnaissance de la possibilité de compenser les coûts d'implémentation, d'abonnement et de conseil liés à la facturation électronique pour les entreprises.",{"type":54,"attrs":4647},{"textAlign":65},{"type":62,"attrs":4649,"content":4650},{"level":64,"textAlign":65},[4651],{"text":4652,"type":69},"L'introduction de l'incitation fiscale en Belgique",{"type":54,"attrs":4654,"content":4655},{"textAlign":65},[4656,4658,4666,4668,4676],{"text":4657,"type":69},"À partir du 1er janvier 2025, les investissements numériques dans la facturation électronique seront éligibles à une déduction fiscale de 120 % en ",{"text":4659,"type":69,"marks":4660},"Belgique",[4661],{"type":106,"attrs":4662},{"href":4663,"uuid":4664,"anchor":65,"custom":4665,"target":111,"linktype":112},"/resources/compliance-pulse/belgium","f1e2af0f-f3f6-4a7e-bfdb-df858afac348",{},{"text":4667,"type":69},". 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Jetez un œil à notre ",{"text":4688,"type":69,"marks":4689},"Blog Singapour",[4690],{"type":106,"attrs":4691},{"href":4692,"uuid":4693,"anchor":65,"custom":4694,"target":111,"linktype":112},"/resources/blog/the-rise-of-singapore-s-digitalisation-grants","f2084b9a-4dad-4f1b-8f1c-c0873ab287aa",{},{"text":4696,"type":69}," pour plus de détails.",{"type":54,"attrs":4698,"content":4699},{"textAlign":65},[4700,4702,4710],{"text":4701,"type":69},"Alors que la facturation électronique offre de nombreux avantages tant aux entreprises qu'aux gouvernements, certaines entreprises peuvent percevoir les réglementations sur la facturation électronique davantage comme une obligation de conformité que comme une pratique bénéfique. 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Travailler avec le bon fournisseur de facturation électronique est essentiel pour garantir une transition fluide et sans heurts.",{"type":54,"attrs":4767,"content":4768},{"textAlign":65},[4769],{"text":4770,"type":69},"Le bon fournisseur de facturation électronique vous guidera à travers le processus et vous aidera à réaliser les avantages et les services à valeur ajoutée que la facturation électronique crée.",{"type":54,"attrs":4772,"content":4773},{"textAlign":65},[4774,4776,4784],{"text":4775,"type":69},"Banqup est un ",{"text":4777,"type":69,"marks":4778},"fournisseur mondial leader en facturation électronique.",[4779],{"type":106,"attrs":4780},{"href":4781,"uuid":4782,"anchor":65,"custom":4783,"target":111,"linktype":112},"/solutions/compliance-management/e-invoicing","cf8e6f0a-0b57-42a9-bf71-017f2fd15474",{},{"text":4785,"type":69}," Nous travaillons avec des entreprises de toutes tailles et les aidons à voir rapidement les avantages de la facturation électronique. En adoptant notre solution, les entreprises en Belgique, et dans d'autres pays du monde, peuvent se connecter aux plateformes gouvernementales locales pour s'assurer qu'elles respectent les réglementations locales.",{"type":54,"attrs":4787,"content":4788},{"textAlign":65},[4789],{"text":4790,"type":69},"Pour commencer votre transition vers des processus de facturation électronique efficaces, contactez un membre de notre équipe belge locale qui vous guidera tout au long de votre parcours.",{"_uid":4792,"cards":4793,"buttons":4797,"heading":1590,"tagline":8,"component":1591,"background":49,"description":4798},"9116be93-85b8-4c9c-ac79-0ef5d104fa9c",[4794,4373,4795,4796],"c0cceb80-19d0-4beb-a3ef-4a28d0ecb8a9","8b6e8221-cabb-451a-9299-821fceaa2711","dbf6e35f-7023-43b8-9d81-02be6832e9b1",[],{"type":51,"content":4799},[4800],{"type":54},{"id":4802,"alt":4595,"name":8,"focus":8,"title":4595,"source":8,"filename":4803,"copyright":8,"fieldtype":15,"meta_data":4804,"is_external_url":17},87542628755534,"https://a.storyblok.com/f/318078/1032x600/50f40f8e6b/65a0fdfe2fda07d969fd8067_blog-tax-incentive-for-electronic-invoicing-in-belgium_website.webp",{"alt":4595,"title":4595,"source":8,"copyright":8},[4806],"ff23e9fb-d259-4dbe-8f19-6fcd35d68141",[],{"type":51,"content":4809},[4810],{"type":54,"attrs":4811,"content":4812},{"textAlign":65},[4813],{"text":4814,"type":69},"Le gouvernement belge a annoncé une initiative d’incitation fiscale pour aider à compenser les coûts de mise en œuvre de la facturation électronique dans le cadre de sa transition vers la réglementation B2B. 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Découvrez la consolidation OZG-RE, les formats XRechnung et ZUGFeRD, et la conformité GoBD.","d9c134a7-3962-4a7e-839d-3a9cb85f9dd4",[5025,5036,5766,5770],{"_uid":5026,"align":8,"image":5027,"buttons":5031,"heading":5032,"padding":1393,"tagline":8,"component":1394,"variation":1395,"background":49,"headingTag":1396,"description":5033,"invertTextColor":56},"6ec85f04-6c40-4caa-a84d-8a5ea368d69d",{"id":5028,"alt":8,"name":8,"focus":8,"title":8,"source":8,"filename":5029,"copyright":8,"fieldtype":15,"meta_data":5030,"is_external_url":17},94969493957875,"https://a.storyblok.com/f/318078/1925x510/932bd73670/electronic-invoicing-obligations-for-german-businesses-to-public-administration.png",{},[],"Obligations de facturation électronique pour les entreprises allemandes auprès de l'administration publique",{"type":51,"content":5034},[5035],{"type":54},{"_uid":5037,"text":5038,"component":506,"background":49},"86c8a7e1-aa82-4079-8a60-a2dbaf3e1016",{"type":51,"content":5039},[5040,5062,5070,5186,5191,5211,5246,5251,5258,5278,5308,5313,5320,5330,5343,5383,5399,5406,5420,5438,5451,5456,5477,5490,5497,5525,5544,5584,5591,5608,5613,5620,5641,5646,5692,5704,5718,5723,5737],{"type":54,"attrs":5041,"content":5042},{"textAlign":65},[5043,5049,5058],{"text":5044,"type":69,"marks":5045},"Cet article a été mis à jour le 2 octobre 2025 pour refléter l'achèvement réussi de la ",[5046,5047],{"type":1453},{"type":5048},"superscript",{"text":5050,"type":69,"marks":5051},"consolidation des plateformes de dépôt de factures ZRE et OZG-RE",[5052,5056,5057],{"type":106,"attrs":5053},{"href":5054,"uuid":65,"anchor":65,"custom":5055,"target":111,"linktype":19},"https://e-rechnung-bund.de/en/successful-platform-consolidation/",{},{"type":1453},{"type":5048},{"text":773,"type":69,"marks":5059},[5060,5061],{"type":1453},{"type":5048},{"type":54,"attrs":5063,"content":5064},{"textAlign":65},[5065],{"text":5066,"type":69,"marks":5067},"Résumé",[5068,5069],{"type":72},{"type":1453},{"type":92,"content":5071},[5072,5090,5114,5132,5145,5165,5172,5179],{"type":95,"content":5073},[5074],{"type":54,"attrs":5075,"content":5076},{"textAlign":65},[5077,5079,5083,5085,5089],{"text":5078,"type":69},"L'Allemagne a opéré une transition vers un paysage de facturation axé sur le numérique pour les secteurs gouvernemental ",{"text":5080,"type":69,"marks":5081},"(B2G)",[5082],{"type":72},{"text":5084,"type":69}," et commercial ",{"text":5086,"type":69,"marks":5087},"(B2B)",[5088],{"type":72},{"text":773,"type":69},{"type":95,"content":5091},[5092],{"type":54,"attrs":5093,"content":5094},{"textAlign":65},[5095,5097,5101,5103,5107,5109,5113],{"text":5096,"type":69},"Le format principal accepté pour la facturation électronique B2G en Allemagne est ",{"text":5098,"type":69,"marks":5099},"XRechnung",[5100],{"type":72},{"text":5102,"type":69},". D'autres formats sont autorisés s'ils sont conformes à la norme ",{"text":5104,"type":69,"marks":5105},"EN 16931",[5106],{"type":72},{"text":5108,"type":69},", comme certains profils ",{"text":5110,"type":69,"marks":5111},"ZUGFeRD",[5112],{"type":72},{"text":773,"type":69},{"type":95,"content":5115},[5116],{"type":54,"attrs":5117,"content":5118},{"textAlign":65},[5119,5121,5126,5130],{"text":5120,"type":69},"L'",{"text":5122,"type":69,"marks":5123},"ERechV, ",[5124,5125],{"type":72},{"type":1453},{"text":5127,"type":69,"marks":5128},"l'ordonnance allemande sur la facturation électronique",[5129],{"type":72},{"text":5131,"type":69}," (basée sur la directive européenne 2014/55/UE), a instauré progressivement la facturation électronique obligatoire pour les marchés publics fédéraux allemands sur une période de trois ans.",{"type":95,"content":5133},[5134],{"type":54,"attrs":5135,"content":5136},{"textAlign":65},[5137,5139,5143],{"text":5138,"type":69},"Depuis le ",{"text":5140,"type":69,"marks":5141},"27 novembre 2020",[5142],{"type":72},{"text":5144,"type":69},", tous les fournisseurs des pouvoirs adjudicateurs fédéraux sont tenus de soumettre leurs factures par voie électronique.",{"type":95,"content":5146},[5147],{"type":54,"attrs":5148,"content":5149},{"textAlign":65},[5150,5152,5157,5159,5163],{"text":5151,"type":69},"L'ancienne plateforme de dépôt de factures électroniques ",{"text":5153,"type":69,"marks":5154},"ZRE ",[5155],{"type":1411,"attrs":5156},{"color":1413},{"text":5158,"type":69},"a été mise hors service. L'",{"text":5160,"type":69,"marks":5161},"OZG-RE",[5162],{"type":72},{"text":5164,"type":69}," est désormais l'unique plateforme fédérale pour la soumission des factures électroniques.",{"type":95,"content":5166},[5167],{"type":54,"attrs":5168,"content":5169},{"textAlign":65},[5170],{"text":5171,"type":69},"Pour se conformer au droit fiscal allemand, il ne suffit pas d'envoyer ou de recevoir une facture électronique ; elle doit également être conservée conformément aux GoBD, les principes allemands de tenue de registres électroniques, garantissant que les données structurées restent inchangées, lisibles par machine et accessibles à des fins d'audit.",{"type":95,"content":5173},[5174],{"type":54,"attrs":5175,"content":5176},{"textAlign":65},[5177],{"text":5178,"type":69},"L'Allemagne a approuvé la loi sur les opportunités de croissance (Growth Opportunities Act), qui inclut la réglementation obligatoire de la facturation électronique B2B.",{"type":95,"content":5180},[5181],{"type":54,"attrs":5182,"content":5183},{"textAlign":65},[5184],{"text":5185,"type":69},"À partir de janvier 2027, les entreprises dont le chiffre d'affaires a dépassé 800 000 € en 2026 seront tenues d'émettre des factures électroniques structurées.",{"type":54,"attrs":5187,"content":5188},{"textAlign":65},[5189],{"text":5190,"type":69},"La facturation électronique prend une importance croissante en Allemagne. Alors que le gouvernement fédéral impose la facturation électronique interentreprises-gouvernement (B2G) à ses fournisseurs depuis novembre 2020, conformément à la directive européenne 2014/55/UE, le paysage de l'e-facturation en Allemagne implique des exigences variables au niveau des États, des formats spécifiques et des obligations à venir pour le commerce interentreprises (B2B).",{"type":54,"attrs":5192,"content":5193},{"textAlign":65},[5194,5196,5203,5205,5209],{"text":5195,"type":69},"‍Bien que le mandat fédéral établisse une base de référence pour la facturation électronique (",{"text":5197,"type":69,"marks":5198},"e-invoicing",[5199],{"type":106,"attrs":5200},{"href":5201,"uuid":4674,"anchor":65,"custom":5202,"target":111,"linktype":112},"/fr-be/resources/blog/what-is-electronic-invoicing-",{},{"text":5204,"type":69},") dans les transactions B2G, les États fédéraux allemands (« ",{"text":5206,"type":69,"marks":5207},"Bundesländer",[5208],{"type":1453},{"text":5210,"type":69}," ») disposent de leurs propres réglementations, ce qui entraîne des exigences variées pour les fournisseurs des organismes de l'administration publique étatique et locale. Certains États, comme Hambourg et la Sarre, ont mis en œuvre des obligations de facturation électronique en 2022, tandis que d'autres n'ont toujours pas imposé l'e-facturation à tous leurs fournisseurs à ce jour.",{"type":54,"attrs":5212,"content":5213},{"textAlign":65},[5214,5219,5227,5232,5241],{"text":5215,"type":69,"marks":5216},"‍Les fournisseurs doivent être conscients que les exigences spécifiques en matière de facturation électronique sont déterminées par les lois de chaque État individuel. De plus amples informations sont fournies ",[5217,5218],{"type":1453},{"type":5048},{"text":5220,"type":69,"marks":5221},"ici",[5222,5225,5226],{"type":106,"attrs":5223},{"href":5224,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://xeinkauf.de/xrechnung/",{"type":1453},{"type":5048},{"text":5228,"type":69,"marks":5229}," (en allemand uniquement) par le Bureau de coordination des normes informatiques (KoSIT). Nous vous recommandons de contacter directement l'administration de l'État concerné ou votre client gouvernemental pour confirmer les réglementations spécifiques ou d'autres détails, tels que la référence de l'acheteur (ce qu'on appelle la « ",[5230,5231],{"type":1453},{"type":5048},{"text":5233,"type":69,"marks":5234},"Leitweg-ID",[5235,5239,5240],{"type":106,"attrs":5236},{"href":5237,"uuid":65,"anchor":65,"custom":5238,"target":111,"linktype":19},"https://www.banqup.com/en-be/resources/blog/understanding-b2g-e-invoicing-in-germany-a-comprehensive-guide-3-5-demystifying-the-leitweg-id",{},{"type":1453},{"type":5048},{"text":5242,"type":69,"marks":5243}," »).",[5244,5245],{"type":1453},{"type":5048},{"type":54,"attrs":5247,"content":5248},{"textAlign":65},[5249],{"text":5250,"type":69},"‍Découvrez les nuances des mandats de facturation électronique B2G en Allemagne, les formats impliqués et la transition du pays vers les réglementations B2B.",{"type":62,"attrs":5252,"content":5253},{"level":690,"textAlign":65},[5254],{"text":5255,"type":69,"marks":5256},"Qu'est-ce qui constitue une facture électronique ?",[5257],{"type":72},{"type":54,"attrs":5259,"content":5260},{"textAlign":65},[5261,5263,5270,5272,5276],{"text":5262,"type":69},"‍Selon l'ordonnance allemande sur la facturation électronique dans les marchés publics fédéraux (",{"text":5264,"type":69,"marks":5265},"E-Rechnungsverordnung",[5266,5269],{"type":106,"attrs":5267},{"href":5268,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://www.gesetze-im-internet.de/erechv/BJNR355500017.html",{"type":1453},{"text":5271,"type":69},", ou en abrégé, ",{"text":5273,"type":69,"marks":5274},"ERechV",[5275],{"type":1453},{"text":5277,"type":69},"), les factures sont considérées comme électroniques si elles sont émises, transmises et reçues dans un format électronique structuré qui permet au document d'être traité automatiquement et électroniquement.",{"type":54,"attrs":5279,"content":5280},{"textAlign":65},[5281,5283,5289,5291,5299,5301,5306],{"text":5282,"type":69},"‍En général, la norme ",{"text":5098,"type":69,"marks":5284},[5285],{"type":106,"attrs":5286},{"href":5287,"uuid":65,"anchor":65,"custom":5288,"target":573,"linktype":19},"https://www.banqup.com/en-be/resources/blog/beyond-the-basics-understanding-xrechnung-zugferd-and-the-dialects-of-european-e-invoicing",{},{"text":5290,"type":69},", qui est la norme locale allemande et une mise en œuvre de la ",{"text":5292,"type":69,"marks":5293},"norme européenne pour la facturation électronique (EN 16931)",[5294],{"type":106,"attrs":5295},{"href":5296,"uuid":5297,"anchor":65,"custom":5298,"target":111,"linktype":112},"/fr-be/resources/blog/what-is-the-en-16931-electronic-invoicing-standard-","4bf0c0d2-1fdf-431e-9cd3-9035c390c4e4",{},{"text":5300,"type":69},", doit être utilisée dans sa version la plus actuelle pour la facturation B2G. Cependant, une autre norme d'échange de données peut être utilisée si elle répond également aux exigences de la norme EN 16931 (par exemple, ",{"text":5110,"type":69,"marks":5302},[5303],{"type":106,"attrs":5304},{"href":5287,"uuid":65,"anchor":65,"custom":5305,"target":573,"linktype":19},{},{"text":5307,"type":69}," version 2.0 ou ultérieure dans le profil XRECHNUNG).",{"type":54,"attrs":5309,"content":5310},{"textAlign":65},[5311],{"text":5312,"type":69},"‍En plus des spécifications définies dans les normes européennes ou XRechnung, les États fédéraux allemands peuvent imposer des exigences supplémentaires aux entreprises locales. Parallèlement à ces spécifications, les entreprises doivent également tenir compte de toute exigence supplémentaire fixée par le gouvernement fédéral ou celui des États.",{"type":62,"attrs":5314,"content":5315},{"level":690,"textAlign":65},[5316],{"text":5317,"type":69,"marks":5318},"Qui doit envoyer des factures électroniques dans les marchés publics fédéraux (B2G) ?",[5319],{"type":72},{"type":54,"attrs":5321,"content":5322},{"textAlign":65},[5323,5325,5328],{"text":5324,"type":69},"‍L'ordonnance sur la facturation électronique (",{"text":5273,"type":69,"marks":5326},[5327],{"type":1453},{"text":5329,"type":69},"), adoptée le 6 septembre 2017, impose l'utilisation de la facturation électronique dans les marchés publics fédéraux (B2G) et transpose la directive européenne 2014/55/UE dans le droit fédéral allemand.",{"type":54,"attrs":5331,"content":5332},{"textAlign":65},[5333,5335,5341],{"text":5334,"type":69},"‍Voici un ",{"text":5336,"type":69,"marks":5337},"calendrier",[5338],{"type":106,"attrs":5339},{"href":5340,"uuid":65,"anchor":65,"custom":65,"target":573,"linktype":19},"https://en.e-rechnung-bund.de/wp-content/uploads/2023/05/Timeline-e-invoicing-legislation-Germany.pdf",{"text":5342,"type":69}," des dates clés de mise en œuvre :",{"type":92,"content":5344},[5345,5356,5367],{"type":95,"content":5346},[5347],{"type":54,"attrs":5348,"content":5349},{"textAlign":65},[5350,5354],{"text":5351,"type":69,"marks":5352},"27 novembre 2018 :",[5353],{"type":72},{"text":5355,"type":69}," Les autorités fédérales suprêmes et les organes constitutionnels fédéraux étaient tenus d'accepter et de traiter les factures électroniques au format XRechnung.",{"type":95,"content":5357},[5358],{"type":54,"attrs":5359,"content":5360},{"textAlign":65},[5361,5365],{"text":5362,"type":69,"marks":5363},"27 novembre 2019 :",[5364],{"type":72},{"text":5366,"type":69}," Toutes les autres autorités administratives fédérales étaient tenues d'accepter et de traiter les factures électroniques.",{"type":95,"content":5368},[5369],{"type":54,"attrs":5370,"content":5371},{"textAlign":65},[5372,5376,5378,5381],{"text":5373,"type":69,"marks":5374},"27 novembre 2020 :",[5375],{"type":72},{"text":5377,"type":69}," Tous les fournisseurs des autorités contractantes fédérales sont devenus obligés de transmettre des factures électroniques. Cependant, les commandes directes d'une valeur nette allant jusqu'à 1 000 € sont exemptées (voir la section 3, paragraphe 3 de l'",{"text":5273,"type":69,"marks":5379},[5380],{"type":1453},{"text":5382,"type":69}," pour toutes les exceptions).",{"type":54,"attrs":5384,"content":5385},{"textAlign":65},[5386,5387,5392,5394,5397],{"text":156,"type":69},{"type":4146,"attrs":5388},{"id":5389,"alt":8,"src":5390,"title":8,"source":8,"copyright":8,"meta_data":5391},153732792250216,"https://a.storyblok.com/f/318078/4291x2091/5e7f021718/022026-germany-s-b2g-e-invoicing-mandate-overview.png",{},{"text":5393,"type":69},"En substance, l'",{"text":5273,"type":69,"marks":5395},[5396],{"type":1453},{"text":5398,"type":69}," exige que l'administration fédérale reçoive des factures électroniques et que les fournisseurs et prestataires de services du gouvernement fédéral envoient des factures électroniques pour les contrats publics.",{"type":62,"attrs":5400,"content":5401},{"level":690,"textAlign":65},[5402],{"text":5403,"type":69,"marks":5404},"Quel format est requis pour les transactions B2G ?",[5405],{"type":72},{"type":54,"attrs":5407,"content":5408},{"textAlign":65},[5409,5411,5418],{"text":5410,"type":69},"‍Pour la facturation électronique B2G en Allemagne, le format principal accepté est ",{"text":5098,"type":69,"marks":5412},[5413],{"type":106,"attrs":5414},{"href":5415,"uuid":5416,"anchor":65,"custom":5417,"target":111,"linktype":112},"/fr-be/resources/blog/beyond-the-basics-understanding-xrechnung-zugferd-and-the-dialects-of-european-e-invoicing","4317745c-cded-4d71-857b-ca8e49960554",{},{"text":5419,"type":69},". Il s'agit d'une mise en œuvre locale allemande de la norme européenne pour la facturation électronique. XRechnung, qui prend en charge CII (Cross-Industry Invoice) et UBL (Universal Business Language) en tant que syntaxe XML, est conçu pour garantir la lisibilité par machine et une intégration fluide dans les systèmes de traitement. Bien qu'initialement conçu spécifiquement pour les besoins B2G, il évolue pour prendre en charge des exigences B2B plus larges et de reporting numérique.",{"type":54,"attrs":5421,"content":5422},{"textAlign":65},[5423,5425,5430,5432,5436],{"text":5424,"type":69},"Bien que XRechnung soit la norme principale, ",{"text":5110,"type":69,"marks":5426},[5427],{"type":106,"attrs":5428},{"href":5415,"uuid":5416,"anchor":65,"custom":5429,"target":111,"linktype":112},{},{"text":5431,"type":69}," (",{"text":5433,"type":69,"marks":5434},"Guide de l'utilisateur central du Forum pour les factures électroniques en Allemagne",[5435],{"type":1453},{"text":5437,"type":69},") - techniquement identique au Factur-X français - est également accepté sous certaines conditions. Introduit en 2013, ZUGFeRD propose un format hybride utilisant à la fois un fichier PDF/A-3 (lisible par l'homme) et un fichier XML intégré (lisible par machine) utilisant la syntaxe CII ; il est particulièrement répandu dans les contextes B2B. Plus précisément, ZUGFeRD version 2.0 ou ultérieure dans un profil conforme à la norme EN 16931, tel que le profil EN 16931/Comfort ou XRECHNUNG, est une alternative B2G acceptable à XRechnung. Veuillez noter que les profils Minimum, Basic WL et Basic ne sont toujours pas suffisants pour une utilisation B2G.",{"type":54,"attrs":5439,"content":5440},{"textAlign":65},[5441,5443,5449],{"text":5442,"type":69},"De plus, ",{"text":5444,"type":69,"marks":5445},"Peppol BIS Billing 3.0",[5446],{"type":106,"attrs":5447},{"href":5415,"uuid":5416,"anchor":65,"custom":5448,"target":111,"linktype":112},{},{"text":5450,"type":69}," est accepté pour les factures provenant de l'étranger à destination des autorités publiques allemandes.",{"type":62,"attrs":5452,"content":5453},{"level":690,"textAlign":65},[5454],{"text":5455,"type":69},"Mise à jour (2026) : Orientations et évolution future de XRechnung",{"type":54,"attrs":5457,"content":5458},{"textAlign":65},[5459,5461,5468,5470,5475],{"text":5460,"type":69},"En mars 2026, la Chambre fédérale allemande des conseillers fiscaux (BStBK) a publié une ",{"text":5462,"type":69,"marks":5463},"FAQ mise à jour sur la facturation électronique",[5464],{"type":106,"attrs":5465},{"href":5466,"uuid":65,"anchor":65,"custom":5467,"target":111,"linktype":19},"https://www.bstbk.de/downloads/bstbk/steuerrecht-und-rechnungslegung/fachinfos/BStBK_FAQ_E-Rechnung_final.pdf",{},{"text":5469,"type":69},", fournissant des conseils pratiques sur les factures électroniques structurées conformes à la norme ",{"text":5104,"type":69,"marks":5471},[5472],{"type":106,"attrs":5473},{"href":5296,"uuid":5297,"anchor":65,"custom":5474,"target":111,"linktype":112},{},{"text":5476,"type":69},", y compris XRechnung et ZUGFeRD (à partir de la version 2.0). Le guide met en évidence les exigences de validation, les contrôles de données relatives à la TVA et l'intégration dans les flux de travail comptables. Il renforce également l'archivage conformément aux GoBD, la norme allemande pour la tenue de registres numériques et l'audit, exigeant que les données de facturation structurées restent inchangées, lisibles par machine et accessibles à des fins d'audit.",{"type":54,"attrs":5478,"content":5479},{"textAlign":65},[5480,5482,5489],{"text":5481,"type":69},"Par ailleurs, le Bureau de coordination des normes informatiques, responsable de la maintenance de la norme XRechnung et de l'extension XRechnung, KoSIT, a présenté une feuille de route pour XRechnung 4.0, indiquant une évolution plus large de la norme au-delà des cas d'utilisation B2G pour soutenir les scénarios B2B et les futures exigences de reporting numérique (DRR) sous ",{"text":3092,"type":69,"marks":5483},[5484],{"type":106,"attrs":5485},{"href":5486,"uuid":5487,"anchor":65,"custom":5488,"target":111,"linktype":112},"/fr-be/resources/blog/vat-in-the-digital-age-agreement-reached-a-milestone-in-the-eu-tax-digitalisation","e9dceda6-1d13-4d2e-b158-724ad4cc07f6",{},{"text":773,"type":69},{"type":62,"attrs":5491,"content":5492},{"level":690,"textAlign":65},[5493],{"text":5494,"type":69,"marks":5495},"La plateforme fédérale allemande d'e-facturation : OZG-RE",[5496],{"type":72},{"type":54,"attrs":5498,"content":5499},{"textAlign":65},[5500,5502,5506,5508,5512,5514,5518,5520,5523],{"text":5501,"type":69},"‍L'administration fédérale allemande utilisait auparavant deux plateformes principales pour recevoir les factures électroniques : la ",{"text":5503,"type":69,"marks":5504},"Zentrale Rechnungseingangsplattform des Bundes",[5505],{"type":1453},{"text":5507,"type":69}," (Plateforme centrale de dépôt de factures, abrégé en ",{"text":5509,"type":69,"marks":5510},"ZRE",[5511],{"type":1453},{"text":5513,"type":69},") et l'",{"text":5515,"type":69,"marks":5516},"Onlinezugangsgesetz-konforme Rechnungseingangsplattform",[5517],{"type":1453},{"text":5519,"type":69}," (ou soumission de factures conforme à la loi sur l'accès en ligne, abrégé en ",{"text":5160,"type":69,"marks":5521},[5522],{"type":1453},{"text":5524,"type":69},").",{"type":54,"attrs":5526,"content":5527},{"textAlign":65},[5528,5530,5536,5538,5542],{"text":5529,"type":69},"‍Cependant, le ministère fédéral de l'Intérieur et de la Cohésion territoriale (BMI) et le ministère fédéral des Finances (BMF) ",{"text":5531,"type":69,"marks":5532},"ont achevé avec succès la consolidation",[5533],{"type":106,"attrs":5534},{"href":5054,"uuid":65,"anchor":65,"custom":5535,"target":111,"linktype":19},{},{"text":5537,"type":69}," de ces plateformes le 19 septembre 2025. La ZRE a été fermée, et l'",{"text":5539,"type":69,"marks":5540},"OZG-RE est désormais l'unique plateforme fédérale",[5541],{"type":72},{"text":5543,"type":69}," pour le dépôt des factures électroniques auprès de l'ensemble de l'administration fédérale (y compris les anciens utilisateurs de la ZRE de l'administration fédérale directe et les anciens utilisateurs de l'OZG-RE de l'administration fédérale indirecte et des États fédéraux coopérants).",{"type":54,"attrs":5545,"content":5546},{"textAlign":65},[5547,5552,5565,5570,5580],{"text":5548,"type":69,"marks":5549},"Cette consolidation simplifie le processus pour les fournisseurs en créant un point d'accès unifié. L'OZG-RE, accessible via le portail basé sur le logiciel fiscal ELSTER « ",[5550],{"type":1411,"attrs":5551},{"color":1413},{"text":5553,"type":69,"marks":5554},"Mein Unternehmenskonto",[5555,5559,5562,5563],{"type":106,"attrs":5556},{"href":5557,"uuid":65,"anchor":65,"custom":5558,"target":111,"linktype":19},"https://info.mein-unternehmenskonto.de",{},{"type":1411,"attrs":5560},{"color":5561},"#1155CC",{"type":1453},{"type":5564},"underline",{"text":5566,"type":69,"marks":5567}," » (compte d'entreprise), gère désormais la soumission des factures électroniques pour plus de 170 institutions de l'administration fédérale indirecte et actuellement cinq États fédéraux, en plus de l'ensemble de l'administration fédérale directe. Les fournisseurs peuvent continuer à utiliser le ",[5568],{"type":1411,"attrs":5569},{"color":1413},{"text":5571,"type":69,"marks":5572},"portail d'enregistrement OZG-RE",[5573,5577,5579],{"type":106,"attrs":5574},{"href":5575,"uuid":65,"anchor":65,"custom":5576,"target":111,"linktype":19},"https://xrechnung-bdr.de/edi/auth/login",{},{"type":1411,"attrs":5578},{"color":5561},{"type":5564},{"text":773,"type":69,"marks":5581},[5582],{"type":1411,"attrs":5583},{"color":5561},{"type":62,"attrs":5585,"content":5586},{"level":690,"textAlign":65},[5587],{"text":5588,"type":69,"marks":5589},"Conservation des données et conformité aux GoBD allemandes",[5590],{"type":72},{"type":54,"attrs":5592,"content":5593},{"textAlign":65},[5594,5596,5600,5602,5606],{"text":5595,"type":69},"‍Au-delà du formatage et de la transmission des factures électroniques, les entreprises doivent respecter les « Principes pour la tenue, la conservation et la sauvegarde régulières des livres, enregistrements et documents sous forme électronique ainsi que pour l'accès aux données » allemands (",{"text":5597,"type":69,"marks":5598},"Grundsätze zur ordnungsmäßigen Führung und Aufbewahrung von Büchern, Aufzeichnungen und Unterlagen in elektronischer Form sowie zum Datenzugriff",[5599],{"type":1453},{"text":5601,"type":69},", ou abrégé, ",{"text":5603,"type":69,"marks":5604},"GoBD",[5605],{"type":1453},{"text":5607,"type":69},"). Ces principes, dans leurs itérations régulièrement révisées, régissent le stockage approprié des documents électroniques, y compris les factures électroniques.",{"type":54,"attrs":5609,"content":5610},{"textAlign":65},[5611],{"text":5612,"type":69},"‍À la demande des autorités fiscales, les données soumises aux obligations d'enregistrement et de conservation, ainsi que les informations structurelles nécessaires à l'évaluation des données, doivent être fournies par l'entreprise auditée dans un format lisible par machine. Toutes les informations justifiant la facture, y compris les données structurelles, doivent être conservées dans leur format d'origine. Pour les factures électroniques, cela signifie que le format électronique d'origine doit être préservé.",{"type":62,"attrs":5614,"content":5615},{"level":690,"textAlign":65},[5616],{"text":5617,"type":69,"marks":5618},"L'introduction de la facturation électronique B2B",[5619],{"type":72},{"type":54,"attrs":5621,"content":5622},{"textAlign":65},[5623,5625,5633,5635,5639],{"text":5624,"type":69},"‍L'Allemagne a ",{"text":5626,"type":69,"marks":5627},"approuvé la loi sur les opportunités de croissance",[5628],{"type":106,"attrs":5629},{"href":5630,"uuid":5631,"anchor":65,"custom":5632,"target":111,"linktype":112},"/fr-be/resources/blog/germany-s-b2b-electronic-invoicing-law-approved","4d14fcb9-6491-4bac-ac9d-55bea0b88ff2",{},{"text":5634,"type":69}," (« ",{"text":5636,"type":69,"marks":5637},"Wachstumschancengesetz",[5638],{"type":1453},{"text":5640,"type":69}," »), qui inclut la réglementation obligatoire de la facturation électronique B2B. Cette loi a été approuvée par le Bundestag allemand le 17 novembre 2023 et par le Bundesrat le 22 mars 2024.",{"type":54,"attrs":5642,"content":5643},{"textAlign":65},[5644],{"text":5645,"type":69},"‍Voici une répartition des dates clés de mise en œuvre et des exigences :",{"type":92,"content":5647},[5648,5659,5670,5681],{"type":95,"content":5649},[5650],{"type":54,"attrs":5651,"content":5652},{"textAlign":65},[5653,5657],{"text":5654,"type":69,"marks":5655},"Depuis le 1er janvier 2025 :",[5656],{"type":72},{"text":5658,"type":69}," Toutes les entreprises doivent être capables de recevoir des factures électroniques conformes à la norme EN 16931. Le consentement de l'acheteur n'est pas nécessaire pour l'envoi de factures électroniques dans ce format.",{"type":95,"content":5660},[5661],{"type":54,"attrs":5662,"content":5663},{"textAlign":65},[5664,5668],{"text":5665,"type":69,"marks":5666},"Jusqu'au 31 décembre 2026 :",[5667],{"type":72},{"text":5669,"type":69}," Les factures papier et les factures électroniques non conformes à la norme EN 16931 sont toujours autorisées, mais uniquement avec le consentement du destinataire.",{"type":95,"content":5671},[5672],{"type":54,"attrs":5673,"content":5674},{"textAlign":65},[5675,5679],{"text":5676,"type":69,"marks":5677},"À partir du 1er janvier 2027 :",[5678],{"type":72},{"text":5680,"type":69}," Les entreprises dont le chiffre d'affaires de l'année précédente (2026) était de 800 000 EUR ou plus doivent émettre des factures électroniques en format EN 16931 ou d'autres formats électroniques convenus permettant d'extraire avec précision les informations relatives à la TVA. L'EDI reste autorisé à condition que les informations TVA puissent être extraites en format EN 16931. Pour les entreprises concernées à cette date, les factures papier ne seront plus conformes.",{"type":95,"content":5682},[5683],{"type":54,"attrs":5684,"content":5685},{"textAlign":65},[5686,5690],{"text":5687,"type":69,"marks":5688},"À partir du 1er janvier 2028 :",[5689],{"type":72},{"text":5691,"type":69}," L'obligation d'émettre des factures électroniques est étendue à toutes les entreprises. L'EDI reste autorisé dans les conditions mentionnées ci-dessus.",{"type":54,"attrs":5693,"content":5694},{"textAlign":65},[5695,5696,5701,5702],{"text":156,"type":69},{"type":4146,"attrs":5697},{"id":5698,"alt":8,"src":5699,"title":8,"source":8,"copyright":8,"meta_data":5700},153740687533847,"https://a.storyblok.com/f/318078/2500x1307/106abc2513/012026-germany-s-b2b-e-invoicing-mandate-overview_eng.png",{},{"type":79},{"text":5703,"type":69},"Les factures électroniques doivent être dans un format électronique structuré, tel que XRechnung ou ZUGFeRD. Les formats tels que les PDF ou les e-mails textuels ne seront pas considérés comme conformes.",{"type":54,"attrs":5705,"content":5706},{"textAlign":65},[5707,5709,5717],{"text":5708,"type":69},"‍Pour les dernières mises à jour et plus de détails, consultez les ",{"text":5710,"type":69,"marks":5711},"réglementations allemandes sur la facturation électronique",[5712],{"type":106,"attrs":5713},{"href":5714,"uuid":5715,"anchor":65,"custom":5716,"target":111,"linktype":112},"/fr-be/resources/compliance-pulse/germany","dacba37f-025b-4159-83cf-e71aced579f6",{},{"text":773,"type":69},{"type":62,"attrs":5719,"content":5720},{"level":690,"textAlign":65},[5721],{"text":5722,"type":69},"Assurer votre conformité avec Banqup Group",{"type":54,"attrs":5724,"content":5725},{"textAlign":65},[5726,5728,5735],{"text":5727,"type":69},"‍Travailler avec la ",{"text":5729,"type":69,"marks":5730},"solution de facturation électronique de Banqup",[5731],{"type":106,"attrs":5732},{"href":5733,"uuid":4782,"anchor":65,"custom":5734,"target":111,"linktype":112},"/fr-be/solutions/compliance-management/e-invoicing",{},{"text":5736,"type":69}," offre à votre entreprise assurance et tranquillité d'esprit. Notre solution est déjà conforme aux normes fiscales et de facturation électronique dans plus de 60 pays à travers le monde. Nous suivons quotidiennement l'évolution des réglementations et adaptons nos solutions en conséquence, afin que votre entreprise reste conforme, sans nécessiter l'intervention d'experts en facturation électronique.",{"type":54,"attrs":5738,"content":5739},{"textAlign":65},[5740,5742,5748,5750,5757,5759,5765],{"text":5741,"type":69},"‍Pour commencer votre parcours et assurer une transition facile vers les solutions de Banqup Group, ",{"text":5743,"type":69,"marks":5744},"contactez un membre de notre équipe locale allemande",[5745],{"type":106,"attrs":5746},{"href":5714,"uuid":5715,"anchor":65,"custom":5747,"target":111,"linktype":112},{},{"text":5749,"type":69}," pour discuter de vos besoins en matière de facturation électronique et de conformité et bénéficier de conseils personnalisés. 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",{"type":95,"content":5885},[5886],{"type":54,"attrs":5887,"content":5888},{"textAlign":65},[5889],{"text":5890,"type":69},"À partir de janvier 2027, les entreprises qui auront réalisé un chiffre d'affaires supérieur à 800 000 € en 2026 seront tenues d'émettre des factures électroniques structurées.",[2072,3086,3090],"Depuis 2020, les fournisseurs des institutions du gouvernement fédéral allemand sont tenus d'envoyer des factures électroniques B2G. Mais qu'en est-il des autres fournisseurs du secteur public en Allemagne ? 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