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Diplômée d'expertise comptable, Laurence a 30 ans d'expérience professionnelle dans les métiers de la banque, du commissariat aux comptes et de la finance d'entreprise. Elle a exercé principalement dans les secteurs de l'agroalimentaire et de la métallurgie, tant dans des PME françaises que des groupes anglo-saxons et 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astuces","2022-10-19T17:57:59.529Z","2026-09-29T09:14:45.249Z","2026-09-29T09:14:45.264Z",206171442,"143048bf-f5c7-4056-ab60-ecfd3a730bf3",{"seo":157,"_uid":163,"name":150,"component":22},[158],{"_uid":159,"noIndex":29,"component":103,"metaFields":160},"1a417f74-f4df-434a-9d95-bf683f827c1a",{"_uid":161,"plugin":106,"description":162},"a885ad2f-1665-45d8-a20b-dfc23e368a70","Outils et astuces pour les equipes finance : fonctionnalites, integrations et bonnes pratiques qui font gagner du temps.","7acb7442-031d-4c0f-b375-bb5a76b9d3b4","outils-et-astuces","fr/blog/topic/outils-et-astuces",-460,[],"2e3e0832-0204-4734-bdc7-effb516cf20d","2022-11-02T15:24:42.074Z",[],"blog/topic/outils-et-astuces",[173,174,175],{"path":171,"name":26,"lang":33,"published":26},{"path":171,"name":26,"lang":39,"published":26},{"path":171,"name":26,"lang":41,"published":26},{"type":70,"attrs":177,"content":178},{"backgroundColor":26},[179,188,194,200,206,217,224,266,281,287,292,304,318,338,343,348,353,358,363,368,373,378,383,388,619,625,630,636,650,656,661,667,727],{"type":73,"attrs":180,"content":182},{"textAlign":26,"key":181},"p-0",[183],{"text":184,"type":77,"marks":185},"Cet article s'adresse aux DAF, contrôleurs de gestion et responsables comptables d'entreprises françaises qui se demandent quelle place donner au mobile money et au paiement mobile dans leur politique de dépenses.",[186],{"type":187},"italic",{"type":73,"attrs":189,"content":191},{"textAlign":26,"key":190},"p-1",[192],{"text":193,"type":77},"Le mobile money pose une question concrète à une direction financière : peut-il servir à payer des fournisseurs, à rembourser des salariés ou à encadrer les dépenses professionnelles ? ",{"type":73,"attrs":195,"content":197},{"textAlign":26,"key":196},"p-2",[198],{"text":199,"type":77},"La réponse courte tient en une distinction. Dans son acception d'origine, le mobile money est d'abord un moyen de paiement des marchés émergents, utile surtout aux entreprises qui opèrent en Afrique ou en Asie. En France, l'équivalent du quotidien passe par la carte numérisée et le virement instantané, pas par le mobile money au sens strict. Confondre les deux fausse l'analyse et conduit à surestimer un usage qui, pour une entreprise française, reste marginal. ",{"type":73,"attrs":201,"content":203},{"textAlign":26,"key":202},"p-3",[204],{"text":205,"type":77},"Cet article clarifie ce que recouvre le mobile money, où il compte réellement pour une entreprise, et comment garder la visibilité sur ces paiements.",{"type":207,"attrs":208},"blok",{"id":209,"body":210},"8efe2a64-599f-4d86-9ac4-5d8f1e201d36",[211],{"_uid":212,"text":213,"color":214,"title":215,"component":216},"i-7499e81f-d4ec-476c-b1d8-99ef4642ae08","- Le **mobile money** désigne des portefeuilles opérés par des opérateurs télécoms, sans compte bancaire, qui ont traité environ 108 milliards de transactions dans le monde en 2024, principalement en Afrique subsaharienne et en Asie, selon la GSMA.\n\n\n- En France, le **paiement mobile** ne repose pas sur le mobile money mais sur la carte numérisée (Apple Pay, Google Pay, Samsung Pay) et sur le virement instantané, dont le portefeuille Wero.\n- Pour une entreprise, le mobile money reste surtout pertinent pour **payer des fournisseurs ou des salariés** dans les pays où ces portefeuilles sont répandus.\n- Le paiement mobile par carte représentait **10 % des paiements par carte** en France en 2024, contre 7 % en 2023, d'après la Banque de France.\n- L'enjeu pour la finance est de **rattacher chaque paiement mobile à un justificatif** et à une carte pilotable, pour ne pas perdre le contrôle de la dépense.","orange","📌 À retenir","callout",{"type":218,"attrs":219,"content":221},"heading",{"level":220,"textAlign":26},2,[222],{"text":223,"type":77},"Le mobile money est d'abord un moyen de paiement des marchés émergents",{"type":73,"attrs":225,"content":227},{"textAlign":26,"key":226},"p-4",[228,230,235,237,241,243,247,248,252,254,258,260,264],{"text":229,"type":77},"Le mobile money est un ",{"text":231,"type":77,"marks":232},"portefeuille électronique opéré par un opérateur télécom",[233],{"type":234},"bold",{"text":236,"type":77},", utilisable sans compte bancaire, où le numéro de téléphone tient lieu de numéro de compte. Ce modèle permet de ",{"text":238,"type":77,"marks":239},"transférer",[240],{"type":234},{"text":242,"type":77},", de ",{"text":244,"type":77,"marks":245},"payer",[246],{"type":234},{"text":242,"type":77},{"text":249,"type":77,"marks":250},"retirer",[251],{"type":234},{"text":253,"type":77}," ou de ",{"text":255,"type":77,"marks":256},"stocker",[257],{"type":234},{"text":259,"type":77}," de l'argent ",{"text":261,"type":77,"marks":262},"depuis un simple téléphone",[263],{"type":234},{"text":265,"type":77},". Il est né en Afrique et s'est diffusé sur des marchés peu bancarisés, où des services comme M-Pesa au Kenya l’ont popularisé.",{"type":73,"attrs":267,"content":269},{"textAlign":26,"key":268},"p-5",[270,272,279],{"text":271,"type":77},"Son échelle est aujourd'hui mondiale, mais concentrée. D'après la ",{"text":273,"type":77,"marks":274},"GSMA",[275],{"type":276,"attrs":277},"link",{"href":278,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.gsma.com/newsroom/press-release/mobile-money-surpasses-two-billion-registered-accounts-and-over-half-a-billion-monthly-active-users-globally/",{"text":280,"type":77},", le mobile money a dépassé deux milliards de comptes enregistrés en 2024 et traité environ 108 milliards de transactions, pour plus de 1 680 milliards de dollars. L'Afrique subsaharienne reste la région la plus active, suivie de l'Asie du Sud-Est.",{"type":73,"attrs":282,"content":284},{"textAlign":26,"key":283},"p-6",[285],{"text":286,"type":77},"Ce point est décisif pour une entreprise française : ces chiffres décrivent des marchés où une large part de la population n'a pas de compte bancaire, pas le marché français. Les appliquer à la France reviendrait à décrire un usage qui n'existe pas ici sous cette forme.",{"type":218,"attrs":288,"content":289},{"level":220,"textAlign":26},[290],{"text":291,"type":77},"En France, le paiement mobile passe par la carte et le virement instantané",{"type":73,"attrs":293,"content":295},{"textAlign":26,"key":294},"p-7",[296,298,302],{"text":297,"type":77},"En France, le paiement mobile désigne le",{"text":299,"type":77,"marks":300}," règlement par portefeuille numérique ",[301],{"type":234},{"text":303,"type":77},"adossé à une carte ou à un compte bancaire, pas le mobile money au sens des télécoms. Deux familles coexistent : les portefeuilles adossés à une carte, comme Apple Pay, Google Pay et Samsung Pay, qui numérisent une carte existante, et les applications de virement entre particuliers comme Wero, adossées à un compte bancaire.",{"type":73,"attrs":305,"content":307},{"textAlign":26,"key":306},"p-8",[308,310,316],{"text":309,"type":77},"Le paiement mobile par carte a connu la plus forte progression de tous les moyens de paiement en 2024. Selon la ",{"text":311,"type":77,"marks":312},"Banque de France",[313],{"type":276,"attrs":314},{"href":315,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://www.banque-france.fr/fr/publications-et-statistiques/publications/en-2024-les-francais-ont-continue-dadopter-des-usages-innovants-dans-leurs-paiements",{"text":317,"type":77},", il a augmenté de 53,6 % en volume, pour atteindre 2,4 milliards de transactions, et de 57,6 % en valeur, soit 56 milliards d'euros. Il représente désormais 10 % de l'ensemble des paiements par carte, contre 7 % en 2023.",{"type":73,"attrs":319,"content":321},{"textAlign":26,"key":320},"p-9",[322,324,328,330,336],{"text":323,"type":77},"Le second moteur est le virement instantané, qui a atteint 600 millions d'opérations en France en 2024, en hausse de 46,5 %, toujours selon la ",{"text":311,"type":77,"marks":325},[326],{"type":276,"attrs":327},{"href":315,"uuid":26,"anchor":26,"target":26,"linktype":60},{"text":329,"type":77},". Depuis janvier 2025, la réglementation européenne impose une parité tarifaire avec le virement classique, ce qui le rend gratuit sur la plupart des plateformes de banque en ligne. C'est dans ce contexte que Wero a été déployé en France en octobre 2024, en remplacement de Paylib et de ses 35 millions d'inscrits, d’après le ",{"text":331,"type":77,"marks":332},"Groupe BPCE",[333],{"type":276,"attrs":334},{"href":335,"uuid":26,"anchor":26,"target":26,"linktype":60},"https://newsroom.groupebpce.fr/actualites/epi-lance-wero-son-portefeuille-de-paiement-numerique-europeen-en-france-0adf2-7b707.html",{"text":337,"type":77},".",{"type":218,"attrs":339,"content":340},{"level":220,"textAlign":26},[341],{"text":342,"type":77},"Payer des fournisseurs et des salariés en mobile money reste possible sous conditions",{"type":73,"attrs":344,"content":345},{"textAlign":26,"key":181},[346],{"text":347,"type":77},"Le mobile money peut servir à payer un fournisseur ou un salarié, mais surtout dans les pays où ces portefeuilles sont le moyen de paiement courant. Un salarié en déplacement ou expatrié peut recevoir des fonds en monnaie locale sur son portefeuille, et un fournisseur local peut être réglé de la même façon. De nombreux pays autorisent aussi les transferts d'un portefeuille à l'autre au-delà de leurs frontières, mais la couverture varie fortement selon les destinations, ce qui rend l'usage transfrontalier réel mais inégal.",{"type":73,"attrs":349,"content":350},{"textAlign":26,"key":190},[351],{"text":352,"type":77},"Pour une entreprise française, l'intérêt est donc géographique avant tout. Une société qui exploite des bureaux ou des équipes en Afrique ou en Asie peut avoir besoin d'envoyer rapidement des fonds à des collaborateurs sur le terrain, là où l'ouverture d'un compte bancaire local serait lente ou impossible.",{"type":73,"attrs":354,"content":355},{"textAlign":26,"key":196},[356],{"text":357,"type":77},"En revanche, pour les dépenses réalisées en France ou en Europe, le mobile money n'apporte pas d'avantage : la carte de paiement numérisée et le virement instantané couvrent les mêmes besoins avec une meilleure intégration comptable.",{"type":218,"attrs":359,"content":360},{"level":220,"textAlign":26},[361],{"text":362,"type":77},"Le mobile money reste surtout pertinent pour les activités liées à l'Afrique",{"type":73,"attrs":364,"content":365},{"textAlign":26,"key":202},[366],{"text":367,"type":77},"Pour une entreprise, le mobile money devient réellement utile dès que son activité touche des marchés où ce rail domine. En Afrique subsaharienne, où le taux de bancarisation reste faible, payer un prestataire ou un salarié via un portefeuille télécom est souvent plus rapide et plus fiable qu'un virement bancaire international classique.",{"type":73,"attrs":369,"content":370},{"textAlign":26,"key":226},[371],{"text":372,"type":77},"Cette pertinence tient à l'infrastructure locale, pas à une supériorité technologique générale. Les opérateurs comme Orange Money ou MTN Mobile Money y jouent un rôle d'agent financier de proximité, avec un réseau de points de retrait physique qui n'a pas d'équivalent en France.",{"type":73,"attrs":374,"content":375},{"textAlign":26,"key":268},[376],{"text":377,"type":77},"Une direction financière peut donc traiter le mobile money comme un moyen d'encaissement et de décaissement local, à réserver aux flux liés à ces zones, tout en centralisant le pilotage de la dépense sur un outil unique côté siège.",{"type":218,"attrs":379,"content":380},{"level":220,"textAlign":26},[381],{"text":382,"type":77},"Comparer les solutions de paiement mobile pour une entreprise française",{"type":73,"attrs":384,"content":385},{"textAlign":26,"key":283},[386],{"text":387,"type":77},"Le bon cadre de décision consiste à distinguer trois familles de solutions selon la géographie et le besoin de contrôle. Le tableau ci-dessous les compare sur les critères qui comptent pour une direction financière.",{"type":389,"content":390},"table",[391,429,468,506,544,581],{"type":392,"content":393},"tableRow",[394,404,412,420],{"type":395,"attrs":396,"content":398},"tableHeader",{"colspan":397,"rowspan":397,"colwidth":26},1,[399],{"type":73,"attrs":400,"content":401},{"textAlign":26,"key":294},[402],{"text":403,"type":77},"Critère",{"type":395,"attrs":405,"content":406},{"colspan":397,"rowspan":397,"colwidth":26},[407],{"type":73,"attrs":408,"content":409},{"textAlign":26,"key":306},[410],{"text":411,"type":77},"Portefeuille mobile money (télécom)",{"type":395,"attrs":413,"content":414},{"colspan":397,"rowspan":397,"colwidth":26},[415],{"type":73,"attrs":416,"content":417},{"textAlign":26,"key":320},[418],{"text":419,"type":77},"Portefeuille carte (Apple Pay, Google Pay, 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