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Manchmal bieten ",{"text":289,"type":78,"marks":308},[309],{"type":164,"attrs":310},{"color":53},{"text":312,"type":78}," auch attraktive ",{"text":314,"type":78,"marks":315},"Zusatzleistungen",[316],{"type":164,"attrs":317},{"color":53},{"text":319,"type":78}," und ",{"text":321,"type":78,"marks":322},"Rabatte",[323],{"type":164,"attrs":324},{"color":53},{"text":326,"type":78},", wie beispielsweise ",{"text":328,"type":78,"marks":329},"Prämienmeilen",[330],{"type":164,"attrs":331},{"color":53},{"text":333,"type":78},", ",{"text":335,"type":78,"marks":336},"Versicherungspakete",[337],{"type":164,"attrs":338},{"color":53},{"text":261,"type":78},{"text":341,"type":78,"marks":342},"Cashback",[343],{"type":164,"attrs":344},{"color":53},{"text":346,"type":78},"-bzw. 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Für einen Überblick beleuchten wir zwei Fragen:",{"type":496,"attrs":497,"content":501},"ordered_list",{"order":498,"key":500},{"order":499},1,"ol-0",[502,520],{"type":503,"content":504},"list_item",[505],{"type":74,"attrs":506,"content":507},{"textAlign":26,"key":244},[508,512,517],{"text":509,"type":78,"marks":510},"Wer bekommt eine ",[511],{"type":172},{"text":94,"type":78,"marks":513},[514,516],{"type":164,"attrs":515},{"color":53},{"type":172},{"text":241,"type":78,"marks":518},[519],{"type":172},{"type":503,"content":521},[522],{"type":74,"attrs":523,"content":524},{"textAlign":26,"key":297},[525],{"text":526,"type":78,"marks":527},"Welche Art von Kreditkarten werden herausgegeben?",[528],{"type":172},{"type":230,"attrs":530,"content":532},{"level":531,"textAlign":26},3,[533],{"text":534,"type":78},"Entscheidung #1: Wer bekommt eine Firmenkreditkarte?",{"type":74,"attrs":536,"content":537},{"textAlign":26,"key":356},[538],{"text":539,"type":78},"Wer soll eine Geschäftskreditkarte erhalten? Wir haben die verschiedenen Szenarien durchgespielt inklusive Vor- und Nachteile.",{"type":541,"content":542},"table",[543,590,639,686],{"type":544,"content":545},"tableRow",[546,557,568,579],{"type":547,"attrs":548,"content":549},"tableHeader",{"colspan":499,"rowspan":499,"colwidth":26},[550],{"type":74,"attrs":551,"content":552},{"textAlign":26,"key":415},[553],{"text":554,"type":78,"marks":555},"Karteninhaber:innen",[556],{"type":172},{"type":547,"attrs":558,"content":559},{"colspan":499,"rowspan":499,"colwidth":26},[560],{"type":74,"attrs":561,"content":563},{"textAlign":26,"key":562},"p-6",[564],{"text":565,"type":78,"marks":566},"Erklärung",[567],{"type":172},{"type":547,"attrs":569,"content":570},{"colspan":499,"rowspan":499,"colwidth":26},[571],{"type":74,"attrs":572,"content":574},{"textAlign":26,"key":573},"p-7",[575],{"text":576,"type":78,"marks":577},"Vorteile",[578],{"type":172},{"type":547,"attrs":580,"content":581},{"colspan":499,"rowspan":499,"colwidth":26},[582],{"type":74,"attrs":583,"content":585},{"textAlign":26,"key":584},"p-8",[586],{"text":587,"type":78,"marks":588},"Nachteile",[589],{"type":172},{"type":544,"content":591},[592,602,611,624],{"type":593,"attrs":594,"content":595},"tableCell",{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[596],{"type":74,"attrs":597,"content":599},{"textAlign":26,"key":598},"p-9",[600],{"text":601,"type":78},"Nur die Geschäftsführung und/oder die Manager:innen der einzelnen Teams",{"type":593,"attrs":603,"content":604},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[605],{"type":74,"attrs":606,"content":608},{"textAlign":26,"key":607},"p-10",[609],{"text":610,"type":78},"In kleinen Unternehmen, die regelmäßig im selben Büro zusammenarbeiten, kann eine Kreditkarte pro Team ausreichen. Mitarbeitende holen sich die Karte bei Bedarf bei der zuständigen Führungskraft ab.",{"type":593,"attrs":612,"content":613},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[614],{"type":74,"attrs":615,"content":617},{"textAlign":26,"key":616},"p-11",[618,620,622],{"text":619,"type":78},"• Ausgaben pro Abteilung werden auf einer Karte gebündelt.",{"type":621},"hard_break",{"text":623,"type":78},"• Geringere Gefahr nicht genehmigter Ausgaben.",{"type":593,"attrs":625,"content":626},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[627],{"type":74,"attrs":628,"content":630},{"textAlign":26,"key":629},"p-12",[631,633,634,636,637],{"text":632,"type":78},"• Ist die Führungskraft nicht erreichbar, kann möglicherweise keine Zahlung getätigt werden.",{"type":621},{"text":635,"type":78},"• Für Mitarbeitende im Homeoffice oder an anderen Standorten ist das Modell aufwendig.",{"type":621},{"text":638,"type":78},"• Mitarbeitende müssen selbst gebuchte Dienstreisen und Spesen gegebenenfalls aus eigener Tasche bezahlen und später abrechnen.",{"type":544,"content":640},[641,650,659,671],{"type":593,"attrs":642,"content":643},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[644],{"type":74,"attrs":645,"content":647},{"textAlign":26,"key":646},"p-13",[648],{"text":649,"type":78},"Der zuständige Dienstleister für die Planung von Dienstreisen",{"type":593,"attrs":651,"content":652},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[653],{"type":74,"attrs":654,"content":656},{"textAlign":26,"key":655},"p-14",[657],{"text":658,"type":78},"Eine sogenannte Reisestellenkarte kann bei der internen Reiseabteilung oder dem Dienstleister hinterlegt werden, der die Geschäftsreisen des Unternehmens bucht. Über diese Karte werden alle Reisebuchungen abgewickelt.",{"type":593,"attrs":660,"content":661},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[662],{"type":74,"attrs":663,"content":665},{"textAlign":26,"key":664},"p-15",[666,668,669],{"text":667,"type":78},"• Alle Reisekosten laufen an einem zentralen Ort zusammen.",{"type":621},{"text":670,"type":78},"• Reisebudgets und -ausgaben lassen sich jederzeit überblicken.",{"type":593,"attrs":672,"content":673},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[674],{"type":74,"attrs":675,"content":677},{"textAlign":26,"key":676},"p-16",[678,680,681,683,684],{"text":679,"type":78},"• Dieses Modell ist vor allem für große Unternehmen mit eigener Reiseabteilung oder einem spezialisierten Dienstleister sinnvoll.",{"type":621},{"text":682,"type":78},"• Ohne Ausgabenmanagement-Tool sind Genehmigungen und Budgets nur schwer zu kontrollieren.",{"type":621},{"text":685,"type":78},"• Für die Finanzabteilung kann dadurch zusätzlicher manueller Aufwand entstehen.",{"type":544,"content":687},[688,697,706,724],{"type":593,"attrs":689,"content":690},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[691],{"type":74,"attrs":692,"content":694},{"textAlign":26,"key":693},"p-17",[695],{"text":696,"type":78},"Individuelle Mitarbeitende",{"type":593,"attrs":698,"content":699},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[700],{"type":74,"attrs":701,"content":703},{"textAlign":26,"key":702},"p-18",[704],{"text":705,"type":78},"Früher oder später benötigen nahezu alle Beschäftigten Zugriff auf Firmengelder. Am effizientesten lässt sich dies durch persönliche Firmenkreditkarten für die Mitarbeitenden gewährleisten.",{"type":593,"attrs":707,"content":708},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[709],{"type":74,"attrs":710,"content":712},{"textAlign":26,"key":711},"p-19",[713,715,716,718,719,721,722],{"text":714,"type":78},"• Ausgaben können direkt bei Bedarf getätigt werden.",{"type":621},{"text":717,"type":78},"• Zahlungen und Abonnements lassen sich eindeutig Mitarbeitenden zuordnen.",{"type":621},{"text":720,"type":78},"• Mitarbeitende müssen Ausgaben nicht aus eigener Tasche vorstrecken.",{"type":621},{"text":723,"type":78},"• Das Modell signalisiert Vertrauen und ermöglicht einen reibungslosen Arbeitsablauf.",{"type":593,"attrs":725,"content":726},{"colspan":499,"rowspan":499,"colwidth":26,"backgroundColor":26},[727],{"type":74,"attrs":728,"content":730},{"textAlign":26,"key":729},"p-20",[731],{"text":732,"type":78},"• Die Verantwortung für die Kündigung nicht mehr benötigter Abonnements liegt bei den jeweiligen Karteninhaber:innen.",{"type":74,"attrs":734},{"textAlign":26,"key":735},"p-21",{"type":74,"attrs":737,"content":739},{"textAlign":26,"key":738},"p-22",[740,742,750],{"text":741,"type":78},"Welches Modell ist also der Gewinner? Letztendlich liegt die Entscheidung bei Ihnen. Wie der ",{"text":743,"type":78,"marks":744},"Spendesk Spend Trends Report",[745,748],{"type":377,"attrs":746},{"href":747,"uuid":26,"anchor":26,"target":381,"linktype":61},"/blog/spend-trends-report/",{"type":749},"underline",{"text":751,"type":78}," jedoch gezeigt hat, nehmen gerade Zahlungen an Amazon und SaaS-Anbieter zu (vor der Corona-Pandemie stiegen auch Reisekosten zunehmend) – und genau diese sollten reibungslos und spontan durch individuelle Mitarbeitende getätigt werden können.",{"type":74,"attrs":753,"content":755},{"textAlign":26,"key":754},"p-23",[756],{"text":757,"type":78,"marks":758},"Übrigens: Bei Spendesk bekommt jeder Mitarbeiter eine eigene Kreditkarte. In diesem Beitrag erklären wir, warum.",[759,762],{"type":377,"attrs":760},{"href":761,"uuid":26,"anchor":26,"target":381,"linktype":61},"/blog/spendesk-employees-company-card/",{"type":749},{"type":230,"attrs":764,"content":765},{"level":531,"textAlign":26},[766],{"text":767,"type":78},"Entscheidung #2: Welche Art(en) von Kreditkarte(en) soll(en) genutzt werden?",{"type":74,"attrs":769,"content":771},{"textAlign":26,"key":770},"p-24",[772,774,778,780,784],{"text":773,"type":78},"Im ersten Moment ist der Gedanke an ",{"text":110,"type":78,"marks":775},[776],{"type":164,"attrs":777},{"color":53},{"text":779,"type":78}," für alle Mitarbeiter und Mitarbeiterinnen vielleicht überwältigend. Jedoch gibt es mittlerweile spannende Alternativen zu unlimitierten Standard-",{"text":110,"type":78,"marks":781},[782],{"type":164,"attrs":783},{"color":53},{"text":785,"type":78},":",{"type":496,"attrs":787,"content":790},{"order":788,"key":789},{"order":499},"ol-1",[791,849],{"type":503,"content":792},[793],{"type":74,"attrs":794,"content":796},{"textAlign":26,"key":795},"p-25",[797,814,822,832,840,842,847],{"text":798,"type":78,"marks":799},"Debitkarten",[800,810,812,813],{"type":377,"attrs":801},{"href":802,"uuid":803,"anchor":26,"target":381,"linktype":382,"story":804},"/de/blog/debitkarten-fur-unternehmen","db6abfa9-1664-40de-a920-9bd1584fa03f",{"name":805,"id":806,"uuid":803,"slug":807,"url":808,"full_slug":809,"_stopResolving":42},"Firmen-Debitkarte vs. Kreditkarte: Der Vergleich 2026",214315910,"debitkarten-fur-unternehmen","blog/debitkarten-fur-unternehmen","de/blog/debitkarten-fur-unternehmen",{"type":164,"attrs":811},{"color":53},{"type":172},{"type":749},{"text":815,"type":78,"marks":816}," (",[817,820,821],{"type":377,"attrs":818},{"href":802,"uuid":803,"anchor":26,"target":381,"linktype":382,"story":819},{"name":805,"id":806,"uuid":803,"slug":807,"url":808,"full_slug":809,"_stopResolving":42},{"type":172},{"type":749},{"text":823,"type":78,"marks":824},"Prepaid-Kreditkarten",[825,828,830,831],{"type":377,"attrs":826},{"href":802,"uuid":803,"anchor":26,"target":381,"linktype":382,"story":827},{"name":805,"id":806,"uuid":803,"slug":807,"url":808,"full_slug":809,"_stopResolving":42},{"type":164,"attrs":829},{"color":53},{"type":172},{"type":749},{"text":833,"type":78,"marks":834},")",[835,838,839],{"type":377,"attrs":836},{"href":802,"uuid":803,"anchor":26,"target":381,"linktype":382,"story":837},{"name":805,"id":806,"uuid":803,"slug":807,"url":808,"full_slug":809,"_stopResolving":42},{"type":172},{"type":749},{"text":841,"type":78},", die mit einem bestimmten Betrag aufgeladen werden. Ist das ",{"text":843,"type":78,"marks":844},"Kartenlimit",[845],{"type":164,"attrs":846},{"color":53},{"text":848,"type":78}," erreicht, kann auch kein Geld mehr ausgegeben werden.",{"type":503,"content":850},[851],{"type":74,"attrs":852,"content":854},{"textAlign":26,"key":853},"p-26",[855,872,874,879],{"text":856,"type":78,"marks":857},"Virtuelle Karten",[858,868,870,871],{"type":377,"attrs":859},{"href":860,"uuid":861,"anchor":26,"target":381,"linktype":382,"story":862},"/de/blog/virtuelle-kreditkarte","05484202-8d88-4132-a760-9a1f4ddb81ea",{"name":863,"id":864,"uuid":861,"slug":865,"url":866,"full_slug":867,"_stopResolving":42},"Die virtuelle Kreditkarte: So bezahlen Unternehmen sicher online",208777197,"virtuelle-kreditkarte","blog/virtuelle-kreditkarte","de/blog/virtuelle-kreditkarte",{"type":164,"attrs":869},{"color":53},{"type":172},{"type":749},{"text":873,"type":78},", die online für genau eine Zahlung oder wiederkehrende Zahlungen (z. 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Sie können für alle Beschäftigten einzeln festlegen, dass…",{"type":894,"content":895},"bullet_list",[896,908],{"type":503,"content":897},[898],{"type":74,"attrs":899,"content":901},{"textAlign":26,"key":900},"p-28",[902,906],{"text":798,"type":78,"marks":903},[904],{"type":164,"attrs":905},{"color":53},{"text":907,"type":78}," nur an Wochentagen oder zu bestimmten Uhrzeiten eingesetzt werden können;",{"type":503,"content":909},[910],{"type":74,"attrs":911,"content":913},{"textAlign":26,"key":912},"p-29",[914,918],{"text":798,"type":78,"marks":915},[916],{"type":164,"attrs":917},{"color":53},{"text":919,"type":78}," oder virtuelle Kreditkarten nur für gewisse Ausgaben zugelassen sind, zum Beispiel Hotels, Flüge, Amazon-Bestellungen.",{"type":74,"attrs":921,"content":923},{"textAlign":26,"key":922},"p-30",[924,928,933,937,939,948,954,961,965],{"text":925,"type":78,"marks":926},"Wer gerne die Kontrolle über Budgets behält, muss deswegen nicht auf ",[927],{"type":172},{"text":110,"type":78,"marks":929},[930,932],{"type":164,"attrs":931},{"color":53},{"type":172},{"text":934,"type":78,"marks":935}," verzichten",[936],{"type":172},{"text":938,"type":78},". 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Diese beiden Kartentypen werden so gut wie überall akzeptiert und werden – im Gegensatz zu Kreditkarten von ",{"text":1018,"type":78,"marks":1019},"American Express",[1020],{"type":164,"attrs":1021},{"color":53},{"text":1023,"type":78}," (kurz: ",{"text":1025,"type":78,"marks":1026},"AmEx",[1027],{"type":164,"attrs":1028},{"color":53},{"text":1030,"type":78},") – von Partnerbanken herausgegeben.",{"type":74,"attrs":1032,"content":1034},{"textAlign":26,"key":1033},"p-32",[1035,1037,1041,1043,1047,1049,1053,1055,1059],{"text":1036,"type":78},"Bei ",{"text":1025,"type":78,"marks":1038},[1039],{"type":164,"attrs":1040},{"color":53},{"text":1042,"type":78},"-Karten ist ",{"text":1018,"type":78,"marks":1044},[1045],{"type":164,"attrs":1046},{"color":53},{"text":1048,"type":78}," selbst der Emittent. Zudem fallen höhere Gebühren für den Zahlungsempfänger an. Daher sind ",{"text":1025,"type":78,"marks":1050},[1051],{"type":164,"attrs":1052},{"color":53},{"text":1054,"type":78},"-Karten nicht überall in ",{"text":161,"type":78,"marks":1056},[1057],{"type":164,"attrs":1058},{"color":53},{"text":1060,"type":78}," gern gesehen.",{"type":74,"attrs":1062,"content":1064},{"textAlign":26,"key":1063},"p-33",[1065,1067],{"text":1066,"type":78},"In ihrer Anwendung unterscheiden sich die drei Kartentypen für die Endnutzer so gut wie gar nicht. ",{"text":1068,"type":78,"marks":1069},"Wichtiger als die Frage nach dem Kreditkartentyp ist die Frage nach der Bank, mit der Sie zusammenarbeiten wollen.",[1070],{"type":172},{"type":230,"attrs":1072,"content":1073},{"level":232,"textAlign":26},[1074,1076,1080],{"text":1075,"type":78},"Die Abrechnung von ",{"text":110,"type":78,"marks":1077},[1078],{"type":164,"attrs":1079},{"color":53},{"text":1081,"type":78}," über Privatkonten",{"type":74,"attrs":1083,"content":1085},{"textAlign":26,"key":1084},"p-34",[1086],{"text":1087,"type":78,"marks":1088},"Bei Firmenkarten sollte klar geregelt sein, über welches Konto die Umsätze abgerechnet werden. Die EU-Verordnung 2015/751 definiert eine kommerzielle Karte unter anderem als ein Zahlungsmittel, das ausschließlich für geschäftliche Ausgaben eingesetzt und direkt dem Konto des Unternehmens belastet wird. ",[1089],{"type":164,"attrs":1090},{"color":1091},"oklch(0.147 0.004 49.25)",{"type":74,"attrs":1093,"content":1095},{"textAlign":26,"key":1094},"p-35",[1096],{"text":1097,"type":78,"marks":1098},"Die Verordnung regelt vor allem Interbankenentgelte und sollte nicht pauschal als allgemeines Verbot der Abrechnung über ein Privatkonto dargestellt werden. Ob eine bestimmte Kartenlösung über ein Privatkonto abgerechnet werden darf, hängt vom Kartenvertrag, vom Anbieter und von den internen Vereinbarungen des Unternehmens ab. Bezahlen Mitarbeitende mit ihrer privaten Karte, handelt es sich in der Regel um eine private Auslage, die anschließend über die Spesenabrechnung erstattet wird.",[1099],{"type":164,"attrs":1100},{"color":1091},{"type":74,"attrs":1102,"content":1104},{"textAlign":26,"key":1103},"p-36",[1105],{"text":1106,"type":78,"marks":1107},"Bei vielen Firmenkarten ist das Unternehmen Vertragspartner und haftet gegenüber dem Kartenanbieter für die Umsätze. 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Der große Vergleich 2026",[3116,3124],{"name":94,"created_at":95,"published_at":96,"updated_at":97,"id":98,"uuid":99,"content":3117,"slug":111,"full_slug":112,"sort_by_date":26,"position":113,"tag_list":3118,"is_startpage":29,"parent_id":115,"meta_data":26,"group_id":116,"first_published_at":117,"release_id":26,"lang":33,"path":26,"alternates":3119,"default_full_slug":119,"translated_slugs":3120,"_stopResolving":42},{"_uid":109,"name":110,"component":23},[],[],[3121,3122,3123],{"path":119,"name":26,"lang":38,"published":26},{"path":119,"name":26,"lang":33,"published":42},{"path":119,"name":26,"lang":41,"published":26},{"name":125,"created_at":126,"published_at":127,"updated_at":128,"id":129,"uuid":130,"content":3125,"slug":139,"full_slug":140,"sort_by_date":26,"position":141,"tag_list":3126,"is_startpage":29,"parent_id":115,"meta_data":26,"group_id":143,"first_published_at":144,"release_id":26,"lang":33,"path":26,"alternates":3127,"default_full_slug":146,"translated_slugs":3128,"_stopResolving":42},{"_uid":138,"name":125,"component":23,"hubspotId":53},[],[],[3129,3130,3131],{"path":146,"name":26,"lang":38,"published":26},{"path":146,"name":26,"lang":33,"published":26},{"path":146,"name":26,"lang":41,"published":26},{"name":1277,"created_at":1278,"published_at":16,"updated_at":1279,"id":1280,"uuid":1281,"content":3133,"slug":1289,"full_slug":1290,"sort_by_date":26,"position":27,"tag_list":3135,"is_startpage":29,"parent_id":1292,"meta_data":26,"group_id":1293,"first_published_at":1294,"release_id":26,"lang":33,"path":26,"alternates":3136,"default_full_slug":1296,"translated_slugs":3137,"_stopResolving":42},{"_uid":1283,"icon":3134,"name":1277,"component":1288},{"id":1285,"alt":1286,"name":53,"focus":53,"title":53,"filename":1287,"copyright":53,"fieldtype":58,"is_external_url":29},[],[],[3138,3139,3140],{"path":1296,"name":26,"lang":38,"published":26},{"path":1296,"name":26,"lang":33,"published":26},{"path":1296,"name":26,"lang":41,"published":26},[33],[3143],{"_uid":3144,"asset":3145,"shadow":29,"caption":53,"overlay":3148,"component":1308},"10ba776c-2160-4f8e-9d10-9efc375ea828",{"alt":3146,"name":53,"focus":53,"title":53,"filename":3147,"copyright":53,"fieldtype":58,"is_external_url":29},"Debitkarte","https://a.storyblok.com/f/146026/1190x670/a69a60cfbc/blog-visual_09.jpg",[],"2024-04-16 00:00",[],"Debitkarte, Kreditkarte, Prepaid oder virtuelle Karte fürs Unternehmen? Der Vergleich 2026 zeigt Unterschiede bei Kontrolle, Sicherheit, Belegen und DATEV-Anbindung – inkl. Entscheidungshilfe.",[],[3154],{"_uid":3155,"items":3156,"heading":3331,"reverse":29,"component":1411,"sectionSettings":3348},"8a1596d0-2e20-4164-8545-f1fbebd2d846",[3157,3184,3218,3245,3311],{"_uid":3158,"title":3159,"component":1358,"description":3160},"fdfee5a3-511a-426f-bd38-8441000722d3","Debitkarte oder Kreditkarte fürs Unternehmen – was ist besser?",{"type":71,"content":3161},[3162],{"type":74,"attrs":3163,"content":3164},{"textAlign":26},[3165,3170,3172,3177,3179],{"text":3166,"type":78,"marks":3167},"Für die meisten deutschen Unternehmen ist die ",[3168],{"type":164,"attrs":3169},{"color":1091},{"text":3171,"type":78},"Firmen-Debitkarte",{"text":3173,"type":78,"marks":3174}," die bessere Wahl: Sie bucht sofort vom Firmenkonto ab, ermöglicht Echtzeit-Kontrolle über alle Ausgaben und lässt sich mit vorab festgelegten Budgets pro Mitarbeiter:in versehen. ",[3175],{"type":164,"attrs":3176},{"color":1091},{"text":3178,"type":78},"Kreditkarten",{"text":3180,"type":78,"marks":3181}," sind dann sinnvoll, wenn ein Zahlungsziel von bis zu 30 Tagen oder hohe Verfügungsrahmen gebraucht werden – typischerweise für Vielreisende oder Führungskräfte. In der Praxis kombinieren viele Unternehmen beide Kartentypen und ergänzen sie um virtuelle Karten für Online-Ausgaben.",[3182],{"type":164,"attrs":3183},{"color":1091},{"_uid":3185,"title":3186,"component":1358,"description":3187},"0b385d6a-4732-49af-a008-e5df89f189ac","Wann sollte ein Unternehmen virtuelle Karten nutzen und wie reduzieren sie das Betrugsrisiko?",{"type":71,"content":3188},[3189],{"type":74,"attrs":3190,"content":3191},{"textAlign":26},[3192,3197,3199,3204,3206,3211,3213],{"text":3193,"type":78,"marks":3194},"Virtuelle Karten eignen sich für ",[3195],{"type":164,"attrs":3196},{"color":1091},{"text":3198,"type":78},"alle Online-Zahlungen",{"text":3200,"type":78,"marks":3201},", insbesondere Software-Abonnements, Werbeanzeigen (Google, Meta, LinkedIn), einmalige Online-Käufe und Zahlungen an unbekannte Anbieter. Sie reduzieren das Betrugsrisiko dreifach: Kartennummern sind ",[3202],{"type":164,"attrs":3203},{"color":1091},{"text":3205,"type":78},"einmalig oder anbietergebunden",{"text":3207,"type":78,"marks":3208}," und außerhalb dieses Kontexts wertlos, es lassen sich ",[3209],{"type":164,"attrs":3210},{"color":1091},{"text":3212,"type":78},"exakte Limits pro Karte",{"text":3214,"type":78,"marks":3215}," setzen (auch für wiederkehrende Abos), und die Karte kann in Echtzeit gesperrt werden – ohne dass eine physische Karte ausgetauscht werden muss.",[3216],{"type":164,"attrs":3217},{"color":1091},{"_uid":3219,"title":3220,"component":1358,"description":3221},"790e1999-38a3-42aa-bac8-0fb45b14d1b9","Welche Sicherheits- und Abrechnungsfunktionen sollte eine Firmenkarte 2026 haben?",{"type":71,"content":3222},[3223],{"type":74,"attrs":3224,"content":3225},{"textAlign":26},[3226,3231,3233,3238,3240],{"text":3227,"type":78,"marks":3228},"Bei den ",[3229],{"type":164,"attrs":3230},{"color":1091},{"text":3232,"type":78},"Sicherheitsfunktionen",{"text":3234,"type":78,"marks":3235}," sollten mindestens dabei sein: individuelle Ausgabenlimits pro Karte und Nutzer:in, Kategoriebeschränkungen (z. 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Erst diese Kombination macht die Firmenkarte zu einem echten Spend-Management-Tool.",[3243],{"type":164,"attrs":3244},{"color":1091},{"_uid":3246,"title":3247,"component":1358,"description":3248},"3e115e59-06dd-4cde-9688-a8548de1ddf3","Welche Anbieter liefern sowohl virtuelle als auch physische Firmenkarten – und worauf sollte ich achten?",{"type":71,"content":3249},[3250],{"type":74,"attrs":3251,"content":3252},{"textAlign":26},[3253,3258,3260,3265,3267,3271,3273,3277,3279,3283,3285,3290,3292,3297,3299,3304,3306],{"text":3254,"type":78,"marks":3255},"Zu den etablierten Anbietern in Europa zählen unter anderem ",[3256],{"type":164,"attrs":3257},{"color":1091},{"text":3259,"type":78},"Spendesk, Pleo, Moss, Payhawk und Qonto",{"text":3261,"type":78,"marks":3262}," – alle bieten physische Debitkarten in Kombination mit virtuellen Karten und integriertem Spend-Management. Bei der Auswahl sollten Sie prüfen: native ",[3263],{"type":164,"attrs":3264},{"color":1091},{"text":3266,"type":78},"DATEV-Anbindung",{"text":333,"type":78,"marks":3268},[3269],{"type":164,"attrs":3270},{"color":1091},{"text":3272,"type":78},"GoBD-konforme Belegarchivierung",{"text":333,"type":78,"marks":3274},[3275],{"type":164,"attrs":3276},{"color":1091},{"text":3278,"type":78},"Freigabe-Workflows und Rollenmodell",{"text":333,"type":78,"marks":3280},[3281],{"type":164,"attrs":3282},{"color":1091},{"text":3284,"type":78},"Multi-Entity-Fähigkeit",{"text":3286,"type":78,"marks":3287}," bei mehreren Gesellschaften, die ",[3288],{"type":164,"attrs":3289},{"color":1091},{"text":3291,"type":78},"Lizenzierung des Zahlungsdienstleisters",{"text":3293,"type":78,"marks":3294}," (BaFin/ACPR/FCA), die ",[3295],{"type":164,"attrs":3296},{"color":1091},{"text":3298,"type":78},"Kostenstruktur",{"text":3300,"type":78,"marks":3301}," (pro Karte oder pro Nutzer:in) sowie vorhandene ",[3302],{"type":164,"attrs":3303},{"color":1091},{"text":3305,"type":78},"Integrationen",{"text":3307,"type":78,"marks":3308}," in ERP-, HR- und SSO-Systeme.",[3309],{"type":164,"attrs":3310},{"color":1091},{"_uid":3312,"title":3313,"component":1358,"description":3314},"63501c77-b608-4b63-bbce-503a784ce6b0","Sind Debitkarten für Unternehmen eine bessere Alternative zur klassischen Spesenabrechnung?",{"type":71,"content":3315},[3316],{"type":74,"attrs":3317,"content":3318},{"textAlign":26},[3319,3324,3326],{"text":3320,"type":78,"marks":3321},"Ja, in nahezu allen Fällen. Bei der klassischen Spesenabrechnung strecken Mitarbeitende Ausgaben aus eigener Tasche vor, sammeln Belege und reichen sie später ein – ein Prozess, der Mitarbeitende und Finanzteams gleichermaßen viel Zeit kostet und Fehleranfälligkeit erhöht. Mit ",[3322],{"type":164,"attrs":3323},{"color":1091},{"text":3325,"type":78},"Firmen-Debitkarten",{"text":3327,"type":78,"marks":3328}," entfällt die Vorstreckung komplett, Belege werden direkt in der App erfasst und automatisch der Transaktion zugeordnet. Das reduziert manuellen Aufwand, beschleunigt den Monatsabschluss und verbessert die Ausgabenkontrolle deutlich. Eine klassische Spesenabrechnung bleibt sinnvoll für Ausnahmefälle (z. B. 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Erfahren Sie, welche Firmenkarte zu Ihrem Unternehmen passt.",[3405],{"cta":3406,"_uid":3413,"image":3414,"title":3416,"subtitle":3430,"component":1350,"imageFullWidth":29},[3407],{"tag":53,"_uid":3408,"hide":29,"icon":3409,"link":3411,"type":53,"label":2055,"style":63,"component":64,"mobileLabel":53,"onClickEvent":53,"openInANewTab":29,"horizontalFill":29,"isDownloadable":29},"b89d2dd3-52d5-4b5d-922e-308ea5d0d5c1",{"id":26,"alt":26,"name":53,"focus":26,"title":26,"source":26,"filename":53,"copyright":26,"fieldtype":58,"meta_data":3410},{},{"id":1248,"url":53,"linktype":382,"fieldtype":62,"cached_url":1247,"prep":42,"story":3412},{"name":1250,"id":1251,"uuid":1248,"slug":1252,"url":1253,"full_slug":1254,"_stopResolving":42},"07ebb9f3-7d44-413a-8f66-8e115d2c8b58",{"id":26,"alt":26,"name":53,"focus":26,"title":26,"source":26,"filename":53,"copyright":26,"fieldtype":58,"meta_data":3415},{},{"type":71,"attrs":3417,"content":3418},{"backgroundColor":26},[3419],{"type":74,"attrs":3420,"content":3421},{"textAlign":26},[3422],{"text":3423,"type":78,"marks":3424},"Geschäftskarten mit mehr Kontrolle verwalten",[3425,3428],{"type":164,"attrs":3426},{"color":3427},"oklch(0.206 0.005 67.543)",{"type":1346,"attrs":3429},{"class":2835},"Vergleichen Sie Geschäftskarten nicht nur nach Gebühren und Cashback. Mit Spendesk verbinden Sie Firmenkarten mit Budgets, Freigaben und Belegen. So behält Ihr Finanzteam Ausgaben im Blick und reduziert manuelle Nacharbeit beim Monatsabschluss.",[3432],{"cta":3433,"_uid":3434,"items":3435,"heading":3506,"reverse":29,"component":1411,"sectionSettings":3526},[],"6cf537d8-6c03-4972-806d-13a8261ff8c8",[3436,3450,3464,3478,3492],{"_uid":3437,"hide":29,"title":3438,"component":1358,"description":3439},"2032d829-aff2-4bcc-a616-7884459a1a0b","Was kostet eine Geschäftskarte pro Jahr?",{"type":71,"attrs":3440,"content":3441},{"backgroundColor":26},[3442],{"type":74,"attrs":3443,"content":3444},{"textAlign":26},[3445],{"text":3446,"type":78,"marks":3447},"Die Kosten hängen vom Anbieter und Kartentyp ab. In diesem Vergleich reichen die Jahresgebühren von 24 Euro für die Deutsche Bank BusinessCard Direct nach dem ersten Jahr bis zu 850 Euro für die American Express Business Platinum Card. Miles & More berechnet für die Blue Credit Card Business 5,50 Euro pro Monat und für die Gold Credit Card Business 11,50 Euro pro Monat.",[3448],{"type":164,"attrs":3449},{"color":2768},{"_uid":3451,"hide":29,"title":3452,"component":1358,"description":3453},"9c90d4ff-d904-45c3-9dbb-7125e43db0ed","Was ist der Unterschied zwischen einer Kreditkarte und einer Debitkarte?",{"type":71,"attrs":3454,"content":3455},{"backgroundColor":26},[3456],{"type":74,"attrs":3457,"content":3458},{"textAlign":26},[3459],{"text":3460,"type":78,"marks":3461},"Eine Kreditkarte sammelt Umsätze und belastet das Geschäftskonto später. Eine Debitkarte bucht den Betrag in der Regel direkt vom Konto ab. Dadurch entsteht bei einer Debitkarte kein Kreditrahmen aus der Kartennutzung. Eine Prepaid-Karte nutzt ein vorher bereitgestelltes Budget.",[3462],{"type":164,"attrs":3463},{"color":2768},{"_uid":3465,"hide":29,"title":3466,"component":1358,"description":3467},"78b6f22d-c175-4fb0-9840-e605bf713a4f","Lohnt sich Cashback bei Geschäftskarten?",{"type":71,"attrs":3468,"content":3469},{"backgroundColor":26},[3470],{"type":74,"attrs":3471,"content":3472},{"textAlign":26},[3473],{"text":3474,"type":78,"marks":3475},"Cashback lohnt sich nur, wenn die Rückvergütung die Jahresgebühr und weitere Kosten übersteigt. Bei der Commerzbank Business Card Premium liegt der rechnerische Break-even bei rund 14.528 Euro Händlerumsatz pro Jahr. Entscheidend sind die konkreten Bedingungen der jeweiligen Karte.",[3476],{"type":164,"attrs":3477},{"color":2768},{"_uid":3479,"hide":29,"title":3480,"component":1358,"description":3481},"bf70d497-d8a4-4c9a-90a5-9578bd95b2bc","Ist die Kreditkartenabrechnung ein ausreichender Beleg?",{"type":71,"attrs":3482,"content":3483},{"backgroundColor":26},[3484],{"type":74,"attrs":3485,"content":3486},{"textAlign":26},[3487],{"text":3488,"type":78,"marks":3489},"Nicht automatisch. Die Kartenabrechnung dokumentiert die Belastung, ersetzt aber nicht zwingend die Rechnung oder den Kassenbeleg des Anbieters. Bewahren Sie den passenden Beleg zur jeweiligen Transaktion auf und ordnen Sie ihn der Kartenzahlung zu.",[3490],{"type":164,"attrs":3491},{"color":2768},{"_uid":3493,"hide":29,"title":3494,"component":1358,"description":3495},"81d48b3f-82f6-4fad-98e9-1970e0d6bb87","Wie wichtig sind Freigaben und Belege?",{"type":71,"attrs":3496,"content":3497},{"backgroundColor":26},[3498],{"type":74,"attrs":3499,"content":3500},{"textAlign":26},[3501],{"text":3502,"type":78,"marks":3503},"Je mehr Personen Karten nutzen, desto wichtiger werden Limits, Freigaben und Belegpflichten. Eine Karte mit Cashback kann günstiger wirken, verursacht aber zusätzliche Arbeit, wenn das Finanzteam fehlende Belege, unklare Kostenstellen oder nicht mehr benötigte Abos nachträglich klären muss.",[3504],{"type":164,"attrs":3505},{"color":2768},[3507],{"cta":3508,"_uid":3509,"title":3510,"layout":53,"eyebrow":3518,"subtitle":3521,"component":230,"textAlign":53,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3524,"sectionSettings":3525,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":53},[],"e40adc4a-0799-4f19-911b-01f144e26cbf",{"type":71,"attrs":3511,"content":3512},{"backgroundColor":26},[3513],{"type":230,"attrs":3514,"content":3515},{"level":232,"textAlign":26},[3516],{"text":3517,"type":78},"Häufige Fragen zu Geschäftskarten",{"type":71,"content":3519},[3520],{"type":74},{"type":71,"content":3522},[3523],{"type":74},[],[],[],"geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle","de/blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",-3720,[],"a577cbdb-e11d-462f-b6cc-ac5bf0192fe5","2026-10-16T09:38:26.206Z",[],"blog/geschaeftskarten-gebuehren-zahlungsziele-ausgabenkontrolle",[3536,3537,3538],{"path":3534,"name":26,"lang":38,"published":26},{"path":3534,"name":26,"lang":33,"published":26},{"path":3534,"name":26,"lang":41,"published":26},{"name":3540,"created_at":3541,"published_at":3542,"updated_at":3543,"id":3544,"uuid":3545,"content":3546,"slug":3705,"full_slug":3706,"sort_by_date":26,"position":3707,"tag_list":3708,"is_startpage":29,"parent_id":1423,"meta_data":26,"group_id":3709,"first_published_at":3710,"release_id":26,"lang":33,"path":26,"alternates":3711,"default_full_slug":3712,"translated_slugs":3713},"Virtuelle Einmalkarte: Sichere Onlinezahlungen für Unternehmen","2026-08-22T07:19:52.918Z","2026-09-25T11:59:49.150Z","2026-09-25T11:59:49.184Z",211736956622449,"93cff5be-fa2a-418e-8126-2c554bf59a33",{"_uid":3547,"title":3540,"topics":3548,"noIndex":29,"category":3557,"language":3566,"component":1289,"heroMedia":3567,"publishedAt":3568,"redirectUrl":53,"listingImage":3569,"metaDescription":3579,"bottomArticleCta":3580,"componentsAfterTheArticle":3581},"6ab7a872-8599-4669-9416-09f42997e1da",[3549],{"name":94,"created_at":95,"published_at":96,"updated_at":97,"id":98,"uuid":99,"content":3550,"slug":111,"full_slug":112,"sort_by_date":26,"position":113,"tag_list":3551,"is_startpage":29,"parent_id":115,"meta_data":26,"group_id":116,"first_published_at":117,"release_id":26,"lang":33,"path":26,"alternates":3552,"default_full_slug":119,"translated_slugs":3553,"_stopResolving":42},{"_uid":109,"name":110,"component":23},[],[],[3554,3555,3556],{"path":119,"name":26,"lang":38,"published":26},{"path":119,"name":26,"lang":33,"published":42},{"path":119,"name":26,"lang":41,"published":26},{"name":1277,"created_at":1278,"published_at":16,"updated_at":1279,"id":1280,"uuid":1281,"content":3558,"slug":1289,"full_slug":1290,"sort_by_date":26,"position":27,"tag_list":3560,"is_startpage":29,"parent_id":1292,"meta_data":26,"group_id":1293,"first_published_at":1294,"release_id":26,"lang":33,"path":26,"alternates":3561,"default_full_slug":1296,"translated_slugs":3562,"_stopResolving":42},{"_uid":1283,"icon":3559,"name":1277,"component":1288},{"id":1285,"alt":1286,"name":53,"focus":53,"title":53,"filename":1287,"copyright":53,"fieldtype":58,"is_external_url":29},[],[],[3563,3564,3565],{"path":1296,"name":26,"lang":38,"published":26},{"path":1296,"name":26,"lang":33,"published":26},{"path":1296,"name":26,"lang":41,"published":26},[33],[],"2026-08-24 00:00",[3570],{"_uid":3571,"asset":3572,"caption":53,"component":1308},"f33268e6-026b-4f0b-8002-15b8f0a0e343",{"id":3573,"alt":3574,"name":53,"focus":53,"title":3575,"source":53,"filename":3576,"copyright":1444,"fieldtype":58,"meta_data":3577,"is_external_url":29},212502123177017,"Indigoblaue Gravur einer virtuellen Einmalkarte an einem Zahlungsterminal als Symbol für begrenzte, kontrollierte und sichere Onlinezahlungen.","Virtuelle Einmalkarte für sichere Onlinezahlungen","https://a.storyblok.com/f/146026/2528x1696/61596eea22/virtuelle-einmalkarten-titelbild.jpg",{"alt":3574,"size":3578,"title":3575,"source":53,"copyright":1444},"2528x1696","Virtuelle Einmalkarten sichern einmalige Lieferantenzahlungen und Onlinekäufe. Erfahren Sie, wie Freigaben, Limits und Belegzuordnung funktionieren.",[],[3582],{"cta":3583,"_uid":3584,"items":3585,"heading":3684,"reverse":29,"component":1411,"sectionSettings":3704},[],"32c261dc-b2f4-40e5-ab84-ef692a6e2964",[3586,3600,3614,3628,3642,3656,3670],{"_uid":3587,"hide":29,"title":3588,"component":1358,"description":3589},"092d2bf5-1b4e-4bf4-853f-40c69b072506","Was ist eine virtuelle Einmalkarte?",{"type":71,"attrs":3590,"content":3591},{"backgroundColor":26},[3592],{"type":74,"attrs":3593,"content":3594},{"textAlign":26},[3595],{"text":3596,"type":78,"marks":3597},"Eine virtuelle Einmalkarte ist ein digitaler Kartendatensatz, der für einen einzelnen genehmigten Zahlungsvorgang vorgesehen ist. Nach erfolgreicher Nutzung oder Ablauf ist sie in der Regel nicht erneut verwendbar.",[3598],{"type":164,"attrs":3599},{"color":2768},{"_uid":3601,"hide":29,"title":3602,"component":1358,"description":3603},"b3e57b18-fa1a-46b5-8b56-1a2086725f81","Ist eine virtuelle Einmalkarte eine Kreditkarte?",{"type":71,"attrs":3604,"content":3605},{"backgroundColor":26},[3606],{"type":74,"attrs":3607,"content":3608},{"textAlign":26},[3609],{"text":3610,"type":78,"marks":3611},"Nein. Sie funktioniert normalerweise nach dem Debit- oder Prepaid-Prinzip und ist durch einen vorher verfügbaren oder genehmigten Betrag begrenzt.",[3612],{"type":164,"attrs":3613},{"color":2768},{"_uid":3615,"hide":29,"title":3616,"component":1358,"description":3617},"86530bb5-f1c9-4984-a428-ab3b70d48aef","Kann ich mit einer Einmalkarte neue Lieferant:innen bezahlen?",{"type":71,"attrs":3618,"content":3619},{"backgroundColor":26},[3620],{"type":74,"attrs":3621,"content":3622},{"textAlign":26},[3623],{"text":3624,"type":78,"marks":3625},"Ja. Sie eignet sich besonders für einmalige Zahlungen an neue Lieferanten, weil keine dauerhaft nutzbare Kartennummer hinterlegt werden muss. Die Lieferantenprüfung bleibt trotzdem erforderlich.",[3626],{"type":164,"attrs":3627},{"color":2768},{"_uid":3629,"hide":29,"title":3630,"component":1358,"description":3631},"20c1d395-ed9e-4ee5-ab3e-274eca4ce6de","Verhindert eine Einmalkarte automatisch die Verlängerung eines Software-Abos?",{"type":71,"attrs":3632,"content":3633},{"backgroundColor":26},[3634],{"type":74,"attrs":3635,"content":3636},{"textAlign":26},[3637],{"text":3638,"type":78,"marks":3639},"Sie kann das Risiko einer ungewollten Folgebelastung reduzieren, weil die Kartennummer nach der erfolgreichen Zahlung nicht dauerhaft verwendet werden kann. Eine Prüfung der Vertragsbedingungen und Kündigungsfristen ersetzt sie nicht.",[3640],{"type":164,"attrs":3641},{"color":2768},{"_uid":3643,"hide":29,"title":3644,"component":1358,"description":3645},"a8ae3416-03b6-4142-b820-bbf938338f22","Was passiert, wenn der Rechnungsbetrag höher ist als das Kartenlimit?",{"type":71,"attrs":3646,"content":3647},{"backgroundColor":26},[3648],{"type":74,"attrs":3649,"content":3650},{"textAlign":26},[3651],{"text":3652,"type":78,"marks":3653},"Die Zahlung kann abgelehnt werden. Das Finanzteam sollte den abweichenden Betrag prüfen, bevor ein höheres Limit oder eine neue Karte freigegeben wird.",[3654],{"type":164,"attrs":3655},{"color":2768},{"_uid":3657,"hide":29,"title":3658,"component":1358,"description":3659},"af98866a-19d2-456a-a289-923f88a901b7","Wie wird eine Einmalkarten-Zahlung verbucht?",{"type":71,"attrs":3660,"content":3661},{"backgroundColor":26},[3662],{"type":74,"attrs":3663,"content":3664},{"textAlign":26},[3665],{"text":3666,"type":78,"marks":3667},"Die Zahlung wird wie eine andere Kartentransaktion erfasst. Entscheidend sind die korrekte Zuordnung von Beleg, Lieferant, Kostenstelle und Ausgabenkategorie sowie die anschließende Übergabe an die Buchhaltung.",[3668],{"type":164,"attrs":3669},{"color":2768},{"_uid":3671,"hide":29,"title":3672,"component":1358,"description":3673},"c81f6c90-3035-4081-8fbb-ac0d66108475","Wann ist eine wiederkehrende virtuelle Karte besser?",{"type":71,"attrs":3674,"content":3675},{"backgroundColor":26},[3676],{"type":74,"attrs":3677,"content":3678},{"textAlign":26},[3679],{"text":3680,"type":78,"marks":3681},"Sie eignet sich für regelmäßige Zahlungen wie Software-Abos oder wiederkehrende Lieferant:innenrechnungen. Die Kartennummer bleibt bestehen und wird mit einem passenden monatlichen oder jährlichen Limit versehen.",[3682],{"type":164,"attrs":3683},{"color":2768},[3685],{"cta":3686,"_uid":3687,"title":3688,"eyebrow":3696,"subtitle":3699,"component":230,"textAlign":53,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3702,"sectionSettings":3703,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":53},[],"45a23c85-afee-437e-8d2a-e201551b3fd3",{"type":71,"attrs":3689,"content":3690},{"backgroundColor":26},[3691],{"type":230,"attrs":3692,"content":3693},{"level":232,"textAlign":26},[3694],{"text":3695,"type":78},"Häufige Fragen zu virtuellen Einmalkarten",{"type":71,"content":3697},[3698],{"type":74},{"type":71,"content":3700},[3701],{"type":74},[],[],[],"virtuelle-einmalkarte-unternehmen-onlinezahlungen","de/blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",-2800,[],"7f5e48f1-d6a8-40d8-acc5-44ac96572036","2026-08-24T10:53:08.760Z",[],"blog/virtuelle-einmalkarte-unternehmen-onlinezahlungen",[3714,3715,3716],{"path":3712,"name":26,"lang":38,"published":26},{"path":3712,"name":26,"lang":33,"published":26},{"path":3712,"name":26,"lang":41,"published":26},["Island",3718],{"key":3719,"result":3720},"MarkdownRenderer_IKiwMZ4tqcHgo4bu8CLBCXzEVqWHLsKIsxvcWE",{"head":3721},{"link":3722,"style":3723},[],[],["Island",3725],{"key":3726,"result":3727},"MarkdownRenderer_PeI1entrEO4K7byv5xU9X69iRON35QWvTaYv0rSxw",{"head":3728},{"link":3729,"style":3730},[],[],1793980965711]