{"id":3663,"date":"2021-12-17T16:57:23","date_gmt":"2021-12-17T16:57:23","guid":{"rendered":"https:\/\/navidor.com\/what-is-interchange-merchants-rates-fees\/"},"modified":"2021-12-17T19:27:56","modified_gmt":"2021-12-17T19:27:56","slug":"qu-est-ce-que-l-interchange-commercants-frais-commissions","status":"publish","type":"post","link":"https:\/\/navidor.com\/fr\/qu-est-ce-que-l-interchange-commercants-frais-commissions\/","title":{"rendered":"Qu&rsquo;est-ce que l&rsquo;Interchange?"},"content":{"rendered":"\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/navidor.com\/wp-content\/uploads\/2021\/12\/what-is-the-interchange-merchant-credit-card-transactions-1024x683.jpg\" alt=\"\" class=\"wp-image-3643\" width=\"256\" height=\"171\" srcset=\"https:\/\/navidor.com\/wp-content\/uploads\/2021\/12\/what-is-the-interchange-merchant-credit-card-transactions-1024x683.jpg 1024w, https:\/\/navidor.com\/wp-content\/uploads\/2021\/12\/what-is-the-interchange-merchant-credit-card-transactions-300x200.jpg 300w, https:\/\/navidor.com\/wp-content\/uploads\/2021\/12\/what-is-the-interchange-merchant-credit-card-transactions-768x512.jpg 768w, https:\/\/navidor.com\/wp-content\/uploads\/2021\/12\/what-is-the-interchange-merchant-credit-card-transactions.jpg 1200w\" sizes=\"auto, (max-width: 256px) 100vw, 256px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&rsquo;est-ce que l&rsquo;<span class='tooltipsall tooltip_post_id_993 classtoolTips993'>interchange<\/span> ? <\/h2>\n\n\n\n<p>Toute entreprise fixe un prix pour les biens et services qu&rsquo;elle fournit; le secteur des paiements \u00e9lectroniques ne fait pas exception \u00e0 la r\u00e8gle.  <\/p>\n\n\n\n<p><strong>L&rsquo;interchange <\/strong>est une <strong>commission \u00ab grossiste \u00bb factur\u00e9e aux commer\u00e7ants<\/strong> afin que ces derniers puissent <strong>accepter des cartes bancaires<\/strong>. Il s&rsquo;agit d&rsquo;une commission pay\u00e9e par la banque d&rsquo;un commer\u00e7ant (\u00e9galement appel\u00e9e la banque acqu\u00e9reuse) \u00e0 la banque du titulaire de la carte (la banque \u00e9mettrice), et qui sert \u00e0 compenser une partie des risques et des co\u00fbts que la banque \u00e9mettrice encourt pour maintenir les comptes du titulaire de carte.  <\/p>\n\n\n\n<p>Ces co\u00fbts comprennent les <strong>co\u00fbts de financement de la p\u00e9riode sans int\u00e9r\u00eat<\/strong> entre le moment o\u00f9 le client effectue un achat et le moment o\u00f9 il rembourse sa banque, les pertes li\u00e9s au d\u00e9faut de paiement, la lutte contre la fraude et les frais de traitement.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qui fixe les commissions d&rsquo;interchange ? <\/h2>\n\n\n\n<p>Les commissions interbancaires sont fix\u00e9es par les <strong>Associations de cartes de cr\u00e9dit<\/strong> (Telles que Visa et MasterCard), et sont de loin la composante la plus importante des frais aff\u00e9rents \u00e0 l\u2019acceptation des cartes de cr\u00e9dit par les marchands (80 \u00e0 90 % de ces frais). <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9partition des frais d\u2019acceptation de cartes bancaires<\/h2>\n\n\n\n<p>Exemple d&rsquo;une <span class='tooltipsall tooltip_post_id_1041 classtoolTips1041'>transaction<\/span> de $100 chez un d\u00e9taillant (carte pr\u00e9sente, swipe) <\/p>\n\n\n\n<p>Supposons le taux global de marchand au d\u00e9tail est de 2,75 % (total des frais divis\u00e9s par le total des ventes totales V\/MC).  <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Environ 85% des 2.75% est revers\u00e9 \u00e0 la banque \u00e9mettrice (2,34 %)<\/li><li>Environ 15% (0,41%) est r\u00e9parti entre le Visa ou MasterCard, le processeur et le courtier.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qui fixe les tarifs ?&nbsp;<\/h2>\n\n\n\n<p>Visa et MasterCard \u00e9tablissent les tarifs et les exigences de qualification pour chacune des cat\u00e9gories de l\u2019Interchange, qui est g\u00e9n\u00e9ralement mis \u00e0 jour deux fois par an.<\/p>\n\n\n\n<p>Il y a plusieurs milliers de tarifs d\u2019Interchange diff\u00e9rents selon le type de carte, le profil du marchand etc. Mais il est \u00e0 noter que les frais d\u2019Interchange sont identiques quels que soient les processeurs.<\/p>\n\n\n\n<p>Les grilles tarifaires sont publi\u00e9es sur les sites Internet de Visa et de MasterCard.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les facteurs affectant les co\u00fbts de commissions interbancaires<\/h2>\n\n\n\n<p>Les commissions interbancaires ont une structure de prix complexe bas\u00e9e sur:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>La <strong>marque de carte<\/strong> (Visa a des taux diff\u00e9rents de ceux de MC)&nbsp;<\/li><li>Le <strong>type de carte<\/strong> (d\u00e9bit\/ cr\u00e9dit, rewards, corporate, international etc.)&nbsp;<\/li><li><strong>L\u2019industrie du commer\u00e7ant type<\/strong> (d\u00e9taillants, restaurants, grossistes, supermarch\u00e9s, E-commerce, \u00e9coles, stations-service, etc..)&nbsp;<\/li><li>Le <strong>ticket moyen<\/strong> (les petits tickets obtiennent un cout par transaction pr\u00e9f\u00e9rentiel)&nbsp;<\/li><li>La mani\u00e8re dont le marchand <strong>traite la transaction<\/strong> (swipe, en ligne, mobile etc).&nbsp;<\/li><\/ul>\n\n\n\n<p>=&gt; Les transactions sont <strong>surcharg\u00e9es<\/strong> quand elles ne r\u00e9pondent pas aux exigences de l\u2019Interchange.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment \u00e9viter les co\u00fbts suppl\u00e9mentaires ?  <\/h2>\n\n\n\n<p><strong>Une configuration de compte inexacte peut g\u00e9n\u00e9rer des co\u00fbts suppl\u00e9mentaires :<\/strong>&nbsp;<\/p>\n\n\n\n<p>Gr\u00e2ce \u00e0 l&rsquo;expertise de Navidor, les commer\u00e7ants sont certains de b\u00e9n\u00e9ficier des meilleurs co\u00fbts d&rsquo;interchange possibles.<\/p>\n\n\n\n<p><a href=\"https:\/\/navidor.com\/fr\/services\/\">En savoir plus sur les services de Navidor<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tout savoir sur L&rsquo;interchange : frais de commissions, variations de tarifs, et facteurs de co\u00fbts suppl\u00e9mentaires<\/p>\n","protected":false},"author":1,"featured_media":3643,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[49],"tags":[],"class_list":["post-3663","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tout savoir sur L&#039;interchange | Frais de commissions, variations de tarifs,...<\/title>\n<meta name=\"description\" content=\"Tout savoir sur l&#039;Interchange\u00a0: qui 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