{"id":22462,"date":"2023-10-03T10:31:49","date_gmt":"2023-10-03T08:31:49","guid":{"rendered":"https:\/\/www.digiteal.eu\/?p=22462"},"modified":"2025-01-15T17:04:41","modified_gmt":"2025-01-15T16:04:41","slug":"sepa-c-est-quoi","status":"publish","type":"post","link":"https:\/\/www.digiteal.eu\/fr\/sepa-c-est-quoi\/","title":{"rendered":"SEPA, c\u2019est quoi ? D\u00e9finition, objectifs, origines&#8230;"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf\">\n.avia-section.av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/09\/Blog-article-website-banner-1600-x-500-px-2.png);\nbackground-position:100% 50%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-lfjov5hx-3aa8fa5fcc48950541c883afcada2abf main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_submenu  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-minimum-height av-minimum-height-custom av-height-custom  container_wrap sidebar_right'  data-section-bg-repeat='stretch' data-av_minimum_height_px='500'><div class='container av-section-cont-open' style='height:500px'><main  role=\"main\" 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.heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-lfjox3zp-27e12821af607480d087c402477febb8 .av-special-heading-tag{\nfont-size:50px;\n}\n.av-special-heading.av-lfjox3zp-27e12821af607480d087c402477febb8 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-lfjox3zp-27e12821af607480d087c402477febb8 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-27e12821af607480d087c402477febb8 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-lfjox3zp-27e12821af607480d087c402477febb8 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-lfjox3zp-27e12821af607480d087c402477febb8 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >SEPA, c\u2019est quoi?<br \/>\nD\u00e9finition, objectifs, origines,&#8230;<br \/>\n<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div class='clear'><\/div><div id='sub_menu1'  class='av-submenu-container av-lfjpyyvz-c525a213cf1a50584c16bb9a3b8b4ada main_color av-switch-768  avia-builder-el-3  el_after_av_section  el_before_av_section  av-sticky-submenu submenu-not-first container_wrap sidebar_right' style='z-index:301' ><div class='container av-menu-mobile-active av-submenu-pos-center'><a href=\"#\" class=\"mobile_menu_toggle\"><span class='avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='list' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>List<\/title>\n<desc id='av-svg-desc-1'>List<\/desc>\n<path d=\"M3.2 20.8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 14.4q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM3.2 8q0.64 0 1.12 0.48t0.48 1.12-0.48 1.12-1.12 0.48h-1.6q-0.64 0-1.12-0.48t-0.48-1.12 0.448-1.12 1.152-0.48h1.6zM9.6 11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2zM20.8 14.4q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2zM20.8 20.8q0.704 0 1.152 0.48t0.448 1.12-0.48 1.12-1.12 0.48h-11.2q-0.64 0-1.12-0.48t-0.48-1.12 0.48-1.12 1.12-0.48h11.2z\"><\/path>\n<\/svg><\/span><span class=\"av-current-placeholder\">Menu<\/span><\/a><ul id='av-custom-submenu-1' class='av-subnav-menu' role='menu'>\n<li class='menu-item av-lfjpy9fu-3ea1c4bc7f8264eb63b045081b7cd2e7 menu-item-top-level menu-item-top-level-1' role='menuitem'><a href='#definition'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>D\u00e9finition SEPA<\/span><\/a><\/li>\n<li class='menu-item av-lfjpyy7e-99e6bc0dd7e80f860f148810b5b95373 menu-item-top-level menu-item-top-level-2' role='menuitem'><a href='#zone'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Zone SEPA<\/span><\/a><\/li>\n<li class='menu-item av-lfjpykpn-50abf15e80479f99f7d4480a8a0a0a2c menu-item-top-level menu-item-top-level-3' role='menuitem'><a href='#objectifs'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Objectifs<\/span><\/a><\/li>\n<li class='menu-item av-lfjpy9fu-1-0c2cf656a80cb9509e9f955377e04b11 menu-item-top-level menu-item-top-level-4' role='menuitem'><a href='#origines'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Origines<\/span><\/a><\/li>\n<li class='menu-item av-lfjpy9fu-15-ce687c6ff16ea508c390532d7f953b55 menu-item-top-level menu-item-top-level-5' role='menuitem'><a href='#instruments'  ><span class='avia-bullet'><\/span><span class='avia-menu-text'>Instruments de paiement<\/span><\/a><\/li>\n<\/ul><\/div><\/div><div class='sticky_placeholder'><\/div>\n<div id='av_section_2'  class='avia-section av-6heah6m-866adc2f47d9aa9b085ce86b457560bb main_color avia-section-small avia-no-border-styling  avia-builder-el-4  el_after_av_submenu  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lmou6vez-cda7d05755f9171ce71c34db37010234\">\n#top #wrap_all .iconbox.av-lmou6vez-cda7d05755f9171ce71c34db37010234 .iconbox_content_title{\nfont-size:20px;\n}\n.iconbox.av-lmou6vez-cda7d05755f9171ce71c34db37010234 .iconbox_content_container{\nfont-size:16px;\n}\n<\/style>\n<article  class='iconbox iconbox_left_content av-lmou6vez-cda7d05755f9171ce71c34db37010234 av-icon-style-no-border  avia-builder-el-5  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='iconbox_icon heading-color avia-iconfont avia-font-font-awesome' data-av_icon='\uf153' data-av_iconfont='font-awesome'  ><\/div><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Ic\u00f4ne : SEPA\"><h3 class='iconbox_content_title '  itemprop=\"headline\" >SEPA<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>Vous \u00eates nombreux \u00e0 vous interroger sur ce qu\u2019est l\u2019acronyme <strong>SEPA<\/strong>&#8230;<\/p>\n<p>Proposant des solutions de paiement impliquant directement SEPA, Digiteal se place <strong>en tant qu\u2019expert<\/strong> pour vous en dire plus sur <strong>la d\u00e9finition, les objectifs et les origines de SEPA<\/strong>.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='definition'  class='avia-section av-6bn7wzi-8d78a2a4ad9f9fd7aaf873b7f1619f42 main_color avia-section-small avia-no-border-styling  avia-builder-el-6  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66\">\n.flex_column.av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66{\nborder-radius:5px 5px 5px 5px;\npadding:30px 30px 30px 30px;\nbackground-color:#4ecac2;\n}\n<\/style>\n<div  class='flex_column av-lfjpzao9-31a9155d8c915991cbb8ae22ecec9f66 av_one_full  avia-builder-el-7  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77\">\n#top .av_textblock_section.av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77 .avia_textblock{\nfont-size:16px;\ncolor:#ffffff;\n}\n<\/style>\n<section  id=\"definition\"  class='av_textblock_section av-lfjpj37w-9ffd9f9ee08abb86ce11b92272dfee77 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Qu\u2019est ce que le SEPA<\/b><b>? <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">La signification de l\u2019acronyme SEPA est <\/span><b>Single Euro Payments Area<\/b><span style=\"font-weight: 400;\">, soit en fran\u00e7ais, <\/span><b>Espace Unique de Paiement en Euros<\/b><span style=\"font-weight: 400;\">. Cette initiative de l\u2019<\/span><b>Union Europ\u00e9enne<\/b><span style=\"font-weight: 400;\"> est destin\u00e9e \u00e0 <\/span><b>harmoniser et simplifier les paiements \u00e9lectroniques<\/b><span style=\"font-weight: 400;\"> au sein des pays participants.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Concr\u00e8tement, il s\u2019agit d\u2019un accord qui <\/span><b>autorise<\/b><span style=\"font-weight: 400;\">, les consommateurs et les entreprises des pays de cette zone, \u00e0 <\/span><b>payer en euros<\/b><span style=\"font-weight: 400;\"> par le biais de leur compte bancaire. La devise (l\u2019Euro) \u00e9tant commune, cela permet de supprimer (ou r\u00e9duire fortement) les frais de conversion.\u00a0<\/span><span style=\"font-weight: 400;\">C\u2019est donc un moyen <b>rapide, s\u00e9curis\u00e9 et efficace <\/b>de faire des transferts bancaires, tout simplement comme vous le feriez pour vos <b>paiements nationaux<\/b>.<\/span><\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_4'  class='avia-section av-5o4ydq6-a701f27614003fe47e074d4456762286 main_color avia-section-default avia-no-border-styling  avia-builder-el-9  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-5cojezi-c5c2f6dd76d4cde265d428192f9d3576 av_three_fifth  avia-builder-el-10  el_before_av_two_fifth  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661\">\n#top .av_textblock_section.av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"zone\"  class='av_textblock_section av-lfjpm0wl-ca1c7bba93389db3a2cc8140cd514661 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Quels sont les pays de la zone SEPA ?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">La <\/span><b>zone SEPA<\/b><span style=\"font-weight: 400;\"> regroupe actuellement <\/span><b>36 nations<\/b><span style=\"font-weight: 400;\"> et profite donc d\u2019une large couverture g\u00e9ographique (voir la carte ci-dessous).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Elle y inclut tous les <\/span><b>pays membres de l\u2019Union Europ\u00e9enne <\/b><span style=\"font-weight: 400;\">mais \u00e9galement, certains pays de l\u2019<\/span><b>Espace \u00c9conomique Europ\u00e9en<\/b><span style=\"font-weight: 400;\"> n\u2019appartenant pas (ou plus) \u00e0 l\u2019UE, et m\u00eame d\u2019autres pays qui sont situ\u00e9s <\/span><b>hors du continent europ\u00e9en<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En voici la <\/span><b>liste<\/b><span style=\"font-weight: 400;\">:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Les 27 pays membres de l\u2019Union Europ\u00e9enne: <\/b><i>Allemagne, Autriche, Belgique, Bulgarie, Croatie, Chypre, Danemark, Espagne, Estonie, Finlande, France, Gr\u00e8ce, Hongrie, Irlande, Italie, Lettonie, Lituanie, Luxembourg, Malte, Pays-Bas, Pologne, Portugal, Roumanie, Slovaquie, Slov\u00e9nie, Su\u00e8de, R\u00e9publique Tch\u00e8que.<\/i><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>3 pays de l\u2019Espace Economique Europ\u00e9en (EEE): <\/b><i><span style=\"font-weight: 400;\">Islande, Liechtenstein, Norv\u00e8ge.<\/span><\/i><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>6 pays hors EEE: <\/b><i><span style=\"font-weight: 400;\">Andorre, Monaco, Royaume-Uni, Saint-Marin, Suisse, Vatican.<\/span><\/i><\/li>\n<\/ul>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2\">\n.flex_column.av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2{\nborder-radius:30px 30px 30px 30px;\npadding:5px 5px 5px 5px;\n}\n<\/style>\n<div  id=\"psd2\"  class='flex_column av-jjqsyw-361bc1b4bf10f00099ab5286a037f5f2 av_two_fifth  avia-builder-el-12  el_after_av_three_fifth  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lmhesfou-3dee69b837791429a49f659ead15b5bf\">\n.avia-image-container.av-lmhesfou-3dee69b837791429a49f659ead15b5bf img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lmhesfou-3dee69b837791429a49f659ead15b5bf .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lmhesfou-3dee69b837791429a49f659ead15b5bf av-styling- avia_animated_image av-animated-when-visible-95 fade-in avia-align-left  avia-builder-el-13  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22475 avia-img-lazy-loading-not-22475 avia_image ' src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/09\/carte-europe-1.jpg\" alt='Carte des pays formant la zone SEPA' title='carte Europe SEPA zone'  height=\"704\" width=\"607\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_5'  class='avia-section av-2hk2pq-de1a37c824728b88f30ddf92c8b66ac3 main_color avia-section-default avia-no-border-styling  avia-builder-el-14  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-4ztiltq-7f4b08dede5688c6ec8552717052956a av_one_half  avia-builder-el-15  el_before_av_one_half  avia-builder-el-first  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8woo9g-0f7b1641194488e720a066ece21ba406\">\n#top .av_textblock_section.av-ln8woo9g-0f7b1641194488e720a066ece21ba406 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-ln8woo9g-0f7b1641194488e720a066ece21ba406 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Qu&rsquo;est ce qu&rsquo;un IBAN dans le cadre SEPA?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Vous voyez tous ce qu\u2019est l\u2019IBAN, ces 14 chiffres, pr\u00e9c\u00e9d\u00e9s de BE pour la Belgique, sur votre carte de banque ?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cet ensemble de chiffres et de lettres est un format standardis\u00e9 de votre compte bancaire. En anglais, <\/span><b>International Bank Account Number<\/b><span style=\"font-weight: 400;\">, soit IBAN, est le num\u00e9ro international de votre compte bancaire. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accompagn\u00e9 par le code BIC (Bank Identifier Code), qui lui renseigne la banque li\u00e9e au compte, il est alors possible d\u2019identifier le d\u00e9tenteur du compte bancaire ainsi que sa banque de fa\u00e7on unique et ce, au sein des pays de la zone SEPA.<\/span><\/p>\n<\/div><\/section><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba\">\n.flex_column.av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba{\nborder-radius:(px (px (px (px;\npadding:30px 30px 30px 30px;\nbackground-color:#4ecac2;\n}\n<\/style>\n<div  class='flex_column av-ln8xmyze-473e3d5df9b6cc10d4ca1afc61ae85ba av_one_half  avia-builder-el-17  el_after_av_one_half  avia-builder-el-last  flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd\">\n#top .av_textblock_section.av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"objectifs\"  class='av_textblock_section av-lfjprvav-d372dbd0f8688f3374d32bd85f55cadd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Quels sont les objectifs de SEPA?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Les objectifs se r\u00e9sument en une phrase: <\/span><b>\u00e9liminer les diff\u00e9rences entre les transactions nationales et transfrontali\u00e8res, en euro<\/b><span style=\"font-weight: 400;\">, les rendant ainsi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>plus rapides <\/b><span style=\"font-weight: 400;\">(en quelques secondes),\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>moins co\u00fbteuses<\/b><span style=\"font-weight: 400;\">,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>plus efficaces<\/b><span style=\"font-weight: 400;\"> (disponibles 24h\/24).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">En d\u2019autres termes, cette harmonisation vise \u00e0 <\/span><b>simplifier les proc\u00e9dures de paiements intra-europ\u00e9ens<\/b><span style=\"font-weight: 400;\"> (et autres pays SEPA) afin de <\/span><b>renforcer l\u2019alliance mon\u00e9taire en euro<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/div><\/section><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_6'  class='avia-section av-44kk2am-e8bbd838fdbd08955ff3d22278b4bff9 main_color avia-section-default avia-no-border-styling  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7\">\n.av-horizontal-gallery.av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7{\npadding:3.75% 0px;;\n}\n.av-horizontal-gallery.av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7 .av-horizontal-gallery-inner{\npadding-bottom:25%;\n}\n<\/style>\n<div  class='av-horizontal-gallery av-ln8wf04n-65f6d45e7e5b339a6ad3cad76462e9c7 av-horizontal-gallery-large-gap av-horizontal-gallery-enlarge-effect  avia-builder-el-20  avia-builder-el-no-sibling  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-once av-horizontal-gallery-1' data-slideshow-data=\"{&quot;enlarge&quot;:1.3,&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-once&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:&quot;&quot;,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0,&quot;initial&quot;:&quot;2&quot;}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class='avia-slideshow-arrows avia-slideshow-controls' ><a href='#prev' class='prev-slide av-horizontal-gallery-prev avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Pr\u00e9c\u00e9dent\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" 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id='av-svg-title-3'>Suivant<\/title>\n<desc id='av-svg-desc-3'>Suivant<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Suivant<\/span><\/a><\/div><div class='avia-slideshow-dots avia-slideshow-controls av-horizontal-gallery-dots fade-in'><a href='#1' class='goto-slide active' >1<\/a><a href='#2' class='goto-slide ' >2<\/a><a href='#3' class='goto-slide ' >3<\/a><\/div><div class='av-horizontal-gallery-inner' data-av-height='25'><div class=\"av-horizontal-gallery-slider\"><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22533 avia-img-lazy-loading-not-22533 av-horizontal-gallery-img' width=\"2560\" height=\"1707\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg\" title='pexels-marcus-aurelius-4064025' alt='' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-2048x1365.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1500x1000.jpg 1500w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-2048x1365.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-marcus-aurelius-4064025-1500x1000.jpg 1500w\" data-sizes=\"(max-width: 2560px) 100vw, 2560px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='pexels-marcus-aurelius-4064025' alt='' aria-label='Ouvrir l\u2019image dans une Lightbox: pexels-marcus-aurelius-4064025'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-4' aria-describedby='av-svg-desc-4' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-4'>Ouvrir l\u2019image dans une Lightbox: pexels-marcus-aurelius-4064025<\/title>\n<desc id='av-svg-desc-4'>Ouvrir l\u2019image dans une Lightbox: pexels-marcus-aurelius-4064025<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22552 avia-img-lazy-loading-not-22552 av-horizontal-gallery-img' width=\"8192\" height=\"4804\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg\" title='Euro zone SEPA' alt='Zone SEPA Euro' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg 8192w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-768x450.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1536x901.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1500x880.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-705x413.jpg 705w\" sizes=\"(max-width: 8192px) 100vw, 8192px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596.jpg 8192w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-768x450.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1536x901.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-1500x880.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-monstera-production-5849596-705x413.jpg 705w\" data-sizes=\"(max-width: 8192px) 100vw, 8192px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='Euro zone SEPA' alt='Zone SEPA Euro' aria-label='Ouvrir l\u2019image dans une Lightbox: Euro zone SEPA'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-5' aria-describedby='av-svg-desc-5' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-5'>Ouvrir l\u2019image dans une Lightbox: Euro zone SEPA<\/title>\n<desc id='av-svg-desc-5'>Ouvrir l\u2019image dans une Lightbox: Euro zone SEPA<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><div class=\"av-horizontal-gallery-wrap noHover\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-22527 avia-img-lazy-loading-not-22527 av-horizontal-gallery-img' width=\"2560\" height=\"1707\" src=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg\" title='pexels-ivan-samkov-7621142' alt='' srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-2048x1366.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1500x1000.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-705x470.jpg 705w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><a href=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg\" data-srcset=\"https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-scaled.jpg 2560w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-768x512.jpg 768w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1536x1024.jpg 1536w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-2048x1366.jpg 2048w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-1500x1000.jpg 1500w, https:\/\/www.digiteal.eu\/wp-content\/uploads\/2023\/10\/pexels-ivan-samkov-7621142-705x470.jpg 705w\" data-sizes=\"(max-width: 2560px) 100vw, 2560px\" class='av-horizontal-gallery-link avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='resize-full' data-av_iconset='svg_entypo-fontello' title='pexels-ivan-samkov-7621142' alt='' aria-label='Ouvrir l\u2019image dans une Lightbox: pexels-ivan-samkov-7621142'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"32\" viewBox=\"0 0 25 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-6' aria-describedby='av-svg-desc-6' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-6'>Ouvrir l\u2019image dans une Lightbox: pexels-ivan-samkov-7621142<\/title>\n<desc id='av-svg-desc-6'>Ouvrir l\u2019image dans une Lightbox: pexels-ivan-samkov-7621142<\/desc>\n<path d=\"M15.232 3.328h10.112v10.112l-3.2-3.968-4.672 4.864-3.2-3.2 4.864-4.672zM7.872 17.536l3.2 3.2-4.864 4.672 3.904 3.2h-10.112v-10.112l3.2 3.904z\"><\/path>\n<\/svg><\/a><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_7'  class='avia-section av-ln8nisuo-4cfa71eded19d40f0a2aef7d7ccf6abc main_color avia-section-default avia-no-border-styling  avia-builder-el-21  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-3lop6m6-4728104ba94325b99106d44ab98514ba av_one_full  avia-builder-el-22  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ln8xw9qi-18f5351df80a16a59820255830d32386\">\n#top .av_textblock_section.av-ln8xw9qi-18f5351df80a16a59820255830d32386 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"origines\"  class='av_textblock_section av-ln8xw9qi-18f5351df80a16a59820255830d32386 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Quelles sont les origines de SEPA ?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">En <\/span><b>2002<\/b><span style=\"font-weight: 400;\">, les \u00e9tablissements bancaires europ\u00e9ens ont amorc\u00e9 le projet de la zone SEPA<\/span><b>.<\/b><span style=\"font-weight: 400;\"> Leur volont\u00e9 \u00e9tait de <\/span><b>faciliter les paiements intra-Europe<\/b><span style=\"font-weight: 400;\"> en proposant trois instruments de paiements europ\u00e9ens : <\/span><b>le virement, le pr\u00e9l\u00e8vement et le virement instantan\u00e9.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Le <\/span><b>virement SEPA <\/b><span style=\"font-weight: 400;\">a vu le jour au travers du protocole SCT (SEPA Credit Transfer). Il a \u00e9t\u00e9 introduit progressivement \u00e0 partir de janvier <\/span><b>2008<\/b><span style=\"font-weight: 400;\"> pour les paiements transfrontaliers et est devenu obligatoire pour les paiements nationaux en janvier 2014.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Le <\/span><b>pr\u00e9l\u00e8vement SEPA<\/b><span style=\"font-weight: 400;\"> (SDD pour SEPA Direct Debit) a \u00e9t\u00e9 introduit en novembre <\/span><b>2009<\/b><span style=\"font-weight: 400;\"> pour les paiements transfrontaliers et est devenu obligatoire pour les paiements nationaux en <\/span><b>ao\u00fbt 2014<\/b><span style=\"font-weight: 400;\">. A l\u2019origine<\/span><span style=\"font-weight: 400;\">, le SDD a \u00e9t\u00e9 lanc\u00e9 pour les pr\u00e9l\u00e8vements automatiques en euros. Cela a standardis\u00e9 les paiements r\u00e9currents, telles que les factures mensuelles.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Deux ans plus tard, en <\/span><b>2016<\/b><span style=\"font-weight: 400;\">, les pays <\/span><b>hors de la zone EU<\/b><span style=\"font-weight: 400;\"> ont pu \u00e9galement rejoindre les <\/span><b>membres de la zone SEPA<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ensuite, depuis <\/span><b>novembre 2017<\/b><span style=\"font-weight: 400;\">, les <\/span><b>virements SEPA instantan\u00e9s<\/b><span style=\"font-weight: 400;\"> (SCT Inst) ont \u00e9t\u00e9 introduits pour acc\u00e9l\u00e9rer les virements SEPA classiques. En Novembre 2020, la banque centrale europ\u00e9enne (ECB) a lanc\u00e9 des <\/span><a href=\"https:\/\/www.ecb.europa.eu\/paym\/intro\/mip-online\/2020\/html\/2011_mip_online.en.html\"><span style=\"font-weight: 400;\">initiatives<\/span><\/a><span style=\"font-weight: 400;\"> pour que ces virements instantan\u00e9s remplacent les virements classiques. En Octobre 2022, la Commission Europ\u00e9enne au travers de DG-FISMA <\/span><span style=\"font-weight: 400;\">propose une <a href=\"https:\/\/finance.ec.europa.eu\/publications\/legislative-proposal-instant-payments_en?pk_campaign=instant_payments&amp;pk_source=twitter&amp;pk_content=EN\">loi<\/a><\/span><span style=\"font-weight: 400;\"> favorisant l\u2019adoption des <\/span><b>virements SEPA instantan\u00e9s<\/b><span style=\"font-weight: 400;\"> (SCT Inst) par toutes les banques de l\u2019Union Europ\u00e9enne au m\u00eames conditions que les virements classiques afin que le paiement instantan\u00e9 devienne la norme et remplace rapidement les virements SEPA classiques.<\/span><\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_8'  class='avia-section av-2vdvja6-7089ec8040e5320fa7d226c19e0be739 main_color avia-section-default avia-no-border-styling  avia-builder-el-24  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4\">\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-date{\ncolor:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-icon-inner{\nbackground-color:#0db5c0;\ncolor:#ffffff;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-indicator{\nbackground-color:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 .av-milestone-article-footer{\nbackground-color:#0db5c0;\n}\n.avia-timeline-container.av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 i.milestone-char.avia-svg-icon svg:first-child{\nfill:#ffffff;\nstroke:#ffffff;\n}\n<\/style>\n<div  id=\"avia-timeline-1\"  class='avia-timeline-container av-lnagbygb-60ec084d61c5b539c393e08d06bdd2a4 av-slideshow-ui  avia-builder-el-25  avia-builder-el-no-sibling  avia-slideshow-carousel' avia-data-slides='5'><ul class='avia-timeline avia-timeline-horizontal av-milestone-placement-top avia-timeline-boxshadow avia_animate_when_almost_visible avia-timeline-animate'>\n<li  class='av-milestone av-2l6j31a-7ecf38ef16a33a6e09f64b3587b07db7 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2002' ><strong>2002<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"\u00c9tape : Introduction Zone SEPA\"><h4 class='av-milestone-title '>Introduction Zone SEPA<\/h4><\/header><div class='av-milestone-content'><\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-256qrwe-95c274babf000112a3f7fa6189c00236 av-animated-generic fade-in av-milestone-even'><h2 class='av-milestone-date ' id='milestone-2008' ><strong>2008<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue830' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"\u00c9tape : Introduction SCT\"><h4 class='av-milestone-title '>Introduction SCT<\/h4><\/header><div class='av-milestone-content'><p>SEPA Credit Transfer<\/p>\n<p>= Virement SEPA<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-66svwe-6d654eb56a10c470d3538faa9c98bb1c av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2009' ><strong>2009<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue832' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"\u00c9tape : Introduction SDD\"><h4 class='av-milestone-title '>Introduction SDD<\/h4><\/header><div class='av-milestone-content'><p>SEPA Direct Debit<\/p>\n<p>= Pr\u00e9l\u00e8vement SEPA<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-1225bry-f505b84e9b1a9e81a013b1380f4c1712 av-animated-generic fade-in av-milestone-even'><h2 class='av-milestone-date ' id='milestone-2017' ><strong>2017<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-font-awesome'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-font-awesome' data-av_icon='\uf197' data-av_iconfont='font-awesome' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"\u00c9tape : Introduction SCT Inst\"><h4 class='av-milestone-title '>Introduction SCT Inst<\/h4><\/header><div class='av-milestone-content'><p>SEPA Credit Transfer Instant<\/p>\n<p>= Virement SEPA Instantan\u00e9<\/p>\n<\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<li  class='av-milestone av-sa5uxq-016ecbd6d139ec9d039940ca1b0395d4 av-animated-generic fade-in av-milestone-odd'><h2 class='av-milestone-date ' id='milestone-2022' ><strong>2022<span class='av-milestone-indicator'><\/span><\/strong><\/h2><div class=\"av-milestone-icon-wrap\"><span class='av-milestone-icon milestone_icon avia-font-entypo-fontello'><span class='av-milestone-icon-inner milestone_inner'><i class='milestone-char avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue8c6' data-av_iconfont='entypo-fontello' ><\/i><\/span><\/span><\/div><article class='av-milestone-content-wrap'><div class='av-milestone-contentbox'><header class=\"entry-content-header\" aria-label=\"\u00c9tape : Normalisation SCT Inst \"><h4 class='av-milestone-title '>Normalisation SCT Inst <\/h4><\/header><div class='av-milestone-content'><\/div><\/div><footer class='av-milestone-article-footer entry-footer'><\/footer><\/article><\/li>\n<\/ul><div class='avia-slideshow-arrows avia-slideshow-controls av-timeline-nav ' ><a href='#prev' class='prev-slide prev-slide av-timeline-nav-prev av-nav-btn avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Pr\u00e9c\u00e9dent\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-7' aria-describedby='av-svg-desc-7' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-7'>Pr\u00e9c\u00e9dent<\/title>\n<desc id='av-svg-desc-7'>Pr\u00e9c\u00e9dent<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Pr\u00e9c\u00e9dent<\/span><\/a><a href='#next' class='next-slide next-slide av-timeline-nav-next av-nav-btn avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Suivant\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-8' aria-describedby='av-svg-desc-8' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-8'>Suivant<\/title>\n<desc id='av-svg-desc-8'>Suivant<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Suivant<\/span><\/a><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_9'  class='avia-section av-1teptgo-515044b6abf2721875527e4cd167716e main_color avia-section-default avia-no-border-styling  avia-builder-el-26  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9\">\n.flex_column.av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-lfjq0ke3-ef6d274375ffa27e4fb50e3ee26aeee9 av_one_full  avia-builder-el-27  avia-builder-el-no-sibling  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460\">\n#top .av_textblock_section.av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  id=\"instruments\"  class='av_textblock_section av-o115x8-09f3b1f9b7e6f616917a4fc00d2e9460 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2><b>Quels sont les instruments de paiement de SEPA ?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dans la continuit\u00e9 de la volont\u00e9 d\u2019<strong>harmonisation des paiements dans l\u2019UE<\/strong>, abordons les transferts SEPA. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ces instruments de paiement ont \u00e9t\u00e9 progressivement introduits dans le cadre du SEPA pour simplifier les transactions financi\u00e8res en euros au sein de la zone SEPA et ont contribu\u00e9 \u00e0 rendre les paiements transfrontaliers plus efficaces et uniformes:<\/span><\/p>\n<\/div><\/section><br \/>\n<div  class='tabcontainer av-lnaf9fwd-ff62f29c29e7692fcac878bb5ffd7ceb top_tab  avia-builder-el-29  el_after_av_textblock  avia-builder-el-last '>\n<section class='av_tab_section av_tab_section av-z1yv5q-00c94c65123c9b67c557ec4a5e62b2d6'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue830' data-av_iconfont='entypo-fontello' ><\/span>Virement SEPA<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><div style=\"font-size: 16px;\">\n<p><span style=\"font-weight: 400;\">Le virement SEPA permet des transferts d&rsquo;argent entre comptes bancaires dans la zone SEPA. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Appel\u00e9 \u00e9galement SCT (<\/span><b>SEPA Credit Transfer),<\/b> <span style=\"font-weight: 400;\">les paiements en euros sont trait\u00e9s de la m\u00eame mani\u00e8re qu&rsquo;un paiement national, ce qui facilite les transactions transfrontali\u00e8res. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Les<strong> fonds sont disponibles<\/strong> sur le compte du cr\u00e9diteur<strong> le m\u00eame jour<\/strong> ou le jour suivant en fonction de la mani\u00e8re dont les banques sont connect\u00e9es.<\/span><\/p>\n<\/div>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-lnaf9evl-db71ee50865aac6da6cee2011047ce96'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue832' data-av_iconfont='entypo-fontello' ><\/span>Pr\u00e9l\u00e8vement SEPA<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><div style=\"font-size: 16px;\">\n<p><span style=\"font-weight: 400;\">Le <\/span><a href=\"\/fr\/paiements-recurrents\/\"><span style=\"font-weight: 400;\">pr\u00e9l\u00e8vement SEPA<\/span><\/a><span style=\"font-weight: 400;\"> (SEPA Direct Debit &#8211; SDD aussi appel\u00e9 Domiciliation bancaire SEPA) permet aux entreprises de collecter des paiements directement \u00e0 partir des comptes bancaires de leurs clients \u00e0 la seule condition qu\u2019il d\u00e9tienne un <\/span><b>mandat SDD conforme<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ce mandat SDD est un <\/span><b>document officiel<\/b><span style=\"font-weight: 400;\"> qui doit \u00eatre sign\u00e9 et g\u00e9r\u00e9 par l&rsquo;\u00e9metteur de factures afin que celui-ci soit autoris\u00e9 \u00e0 collecter\/pr\u00e9lever les fonds directement sur le compte du payeur. Ce document peut aussi prendre une forme \u00e9lectronique. On parlera alors de <\/span><b>e-Mandat SEPA<\/b><span style=\"font-weight: 400;\">. Il permet de recueillir de mani\u00e8re \u00e9lectronique le consentement d\u2019un client pour un pr\u00e9l\u00e8vement SEPA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Le mandat SDD peut \u00eatre <\/span><b>r\u00e9current<\/b><span style=\"font-weight: 400;\">, par exemple, pour payer un \u00e9metteur de factures tous les mois <\/span><b>ou \u00e0 usage unique<\/b><span style=\"font-weight: 400;\"> pour pr\u00e9voir un pr\u00e9l\u00e8vement unique dans le futur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u2019autres sch\u00e9mas de mandats SDD peuvent \u00e9galement \u00eatre utilis\u00e9s, dans des cas particuliers, comme le sch\u00e9ma <\/span><b>CORE<\/b><span style=\"font-weight: 400;\"> (principalement pour les pr\u00e9l\u00e8vements sur les comptes des particuliers) ou le sch\u00e9ma <\/span><b>B2B<\/b><span style=\"font-weight: 400;\"> (pour les pr\u00e9l\u00e8vements sur les comptes des entreprises).<\/span><\/p>\n<\/div>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-nx5upq-7a45870ee8b5afccbedce28183aa7366'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue831' data-av_iconfont='entypo-fontello' ><\/span>Virement SEPA Instantan\u00e9<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><div style=\"font-size: 16px;\">\n<p><span style=\"font-weight: 400;\">Afin d\u2019am\u00e9liorer la vitesse d\u2019ex\u00e9cution des virements SEPA, les virements instantan\u00e9s aussi appel\u00e9s <strong>SCT Inst (SEPA Instant Credit Transfer)<\/strong> ont \u00e9t\u00e9 introduits en Novembre 2017 pour des montants de maximum 100.000\u20ac. Gr\u00e2ce \u00e0 ces virements SEPA instantan\u00e9s, les fonds sont disponibles sur le compte du cr\u00e9diteur <\/span><b>end\u00e9ans les 10 secondes<\/b><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Outre sa rapidit\u00e9 d&rsquo;ex\u00e9cution,<\/span> <span style=\"font-weight: 400;\">son<\/span><b> point fort<\/b><span style=\"font-weight: 400;\"> est son <\/span><b>accessibilit\u00e9<\/b><span style=\"font-weight: 400;\"> soit 24h\/24h, 7j\/7j, tous les jours de l\u2019ann\u00e9e. En comparaison,le d\u00e9lai actuel d\u2019un virement SEPA classique est d\u2019un jour ouvr\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Attention,<\/span> <span style=\"font-weight: 400;\">la majorit\u00e9<\/span><span style=\"font-weight: 400;\"> des banques facturent <\/span><span style=\"font-weight: 400;\">ce type<\/span><span style=\"font-weight: 400;\"> de<\/span><span style=\"font-weight: 400;\"> virement instantan\u00e9:<\/span><span style=\"font-weight: 400;\"> le<\/span><span style=\"font-weight: 400;\"> co\u00fbt moyen du <\/span><b>virement instantan\u00e9 <\/b><span style=\"font-weight: 400;\">est aux<\/span><span style=\"font-weight: 400;\"> alentours d&rsquo;un euro<\/span>.<\/p>\n<div style=\"font-size: 16px;\"><\/div>\n<\/div>\n<\/div><\/div><\/section>\n<\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_10'  class='avia-section av-n77cqm-d810e6a1ce47b52b7386a173be763452 main_color avia-section-default avia-no-border-styling  avia-builder-el-30  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-22462'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjq3cfx-abd1f791662576843eb656460df4ace3\">\n.flex_column.av-lfjq3cfx-abd1f791662576843eb656460df4ace3{\nborder-radius:5px 5px 5px 5px;\npadding:30px 30px 30px 30px;\nbackground-color:#0db5c0;\n}\n<\/style>\n<div  id=\"open-banking-digiteal\"  class='flex_column av-lfjq3cfx-abd1f791662576843eb656460df4ace3 av_one_full  avia-builder-el-31  avia-builder-el-no-sibling  first flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lfjpxr4z-45fe94d75f90507147a03810d2c30880\">\n#top .av_textblock_section.av-lfjpxr4z-45fe94d75f90507147a03810d2c30880 .avia_textblock{\nfont-size:16px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-lfjpxr4z-45fe94d75f90507147a03810d2c30880 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><h2 style=\"font-family: Montserrat;\"><b>Choisissez Digiteal pour tous vos paiements dans la zone SEPA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Digiteal peut vous aider \u00e0 <strong>tirer pleinement parti des avantages de SEPA<\/strong> en vous proposant <a href=\"https:\/\/www.digiteal.eu\/fr\/\"><strong>des solutions et des services innovants<\/strong><\/a> fond\u00e9s sur les principes des <strong>standards europ\u00e9ens<\/strong> et de l&rsquo;<a href=\"https:\/\/www.digiteal.eu\/fr\/open-banking\/\"><strong>Open Banking<\/strong><\/a>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cela peut inclure des transactions plus rapides, moins ch\u00e8res et plus s\u00fbres, ainsi qu&rsquo;une<strong> meilleure gestion financi\u00e8re<\/strong> et une <strong>meilleure homog\u00e9n\u00e9isation<\/strong>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.digiteal.eu\/fr\/contact\/\"><strong>Contactez-nous<\/strong> <\/a>pour savoir comment nous pouvons vous aider dans le cadre de SEPA.<\/span><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-lna293uf-984e58cf730fc155c1ff0a912d39f3d6-wrap avia-button-center  avia-builder-el-33  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lna293uf-984e58cf730fc155c1ff0a912d39f3d6\">\n#top #wrap_all .avia-button.av-lna293uf-984e58cf730fc155c1ff0a912d39f3d6{\nfont-size:16px;\nbackground-color:#ffcd19;\nborder-color:#ffcd19;\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all 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