{"id":50903,"date":"2026-01-10T14:57:00","date_gmt":"2026-01-10T14:57:00","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=50903"},"modified":"2026-05-26T03:29:13","modified_gmt":"2026-05-26T03:29:13","slug":"bizum-wero-paiements-instantanes-europe-encaisser-espana","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/fr\/bizum-wero-paiements-instantanes-europe-encaisser-espana\/","title":{"rendered":""},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"50903\" class=\"elementor elementor-50903\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-16410a88 e-flex e-con-boxed e-con e-parent\" data-id=\"16410a88\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-34018fea elementor-widget elementor-widget-text-editor\" data-id=\"34018fea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<h2 class=\"wp-block-heading\">Bizum, Wero et paiements instantan\u00e9s en Europe : ce que votre client \u00e9tranger peut utiliser et comment encaisser en Espagne sans complications<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-b86347c e-flex e-con-boxed e-con e-parent\" data-id=\"b86347c\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-4c0df43 elementor-widget elementor-widget-text-editor\" data-id=\"4c0df43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous travaillez avec des clients \u00e9trangers (r\u00e9sidents ou non-r\u00e9sidents), t\u00f4t ou tard, cette question se pose :<br \/>\u00ab Puis-je vous payer via Bizum ? \u00bb \u2014 et, s\u2019il n\u2019est pas espagnol, la version internationale : \u00ab Quel est l\u2019\u00e9quivalent de Bizum dans mon pays ? \u00bb<\/p>\n<p>La r\u00e9ponse courte est la suivante : l&rsquo;Europe s&rsquo;oriente vers les paiements instantan\u00e9s, mais des solutions nationales (Bizum, MB WAY, Bancomat\u2026) coexistent encore avec une approche plus \u00ab paneurop\u00e9enne \u00bb (Wero). Et pour vous, en tant qu&rsquo;ind\u00e9pendant ou entreprise, l&rsquo;important n&rsquo;est pas le nom de l&rsquo;application : c&rsquo;est d&rsquo;encaisser correctement, de justifier au mieux et de comptabiliser sans prise de t\u00eate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-755dbb4 e-flex e-con-boxed e-con e-parent\" data-id=\"755dbb4\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b57e82e elementor-widget elementor-widget-heading\" data-id=\"b57e82e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi cette question est-elle importante en 2026 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6d1c90c e-flex e-con-boxed e-con e-parent\" data-id=\"6d1c90c\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7caeb elementor-widget elementor-widget-spacer\" data-id=\"3e7caeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2101978 elementor-widget elementor-widget-text-editor\" data-id=\"2101978\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La v\u00e9rit\u00e9 est que le mot \u00ab\u00a0Bizum\u00a0\u00bb est devenu aussi viral en Espagne que \u00ab\u00a0pan Bimbo\u00a0\u00bb ou la Casera. Qui n&rsquo;a pas entendu ou dit je te fais un Bizum ?, puis-je te payer pour Bizum ?.<\/p>\n<p>\u00c0 cette \u00e9poque, o\u00f9 l&rsquo;argent liquide s&rsquo;\u00e9teint de plus en plus et o\u00f9 presque personne ne paie en esp\u00e8ces.<\/p>\n<p>La v\u00e9rit\u00e9 est la douche, le Bizum nous facilite beaucoup la vie, et logiquement le Bizum est arriv\u00e9 les affaires. Il est vrai que le Bizum est limit\u00e9 \u00e0 500 \u20ac pour l&rsquo;op\u00e9ration, mais vous pouvez quand m\u00eame facturer beaucoup d&rsquo;argent par an. Et cela nous am\u00e8ne \u00e0 nous demander ce qui se passe avec les Bizum \u00e0 l&rsquo;\u00e9tranger.<\/p>\n<p>Pourquoi le <strong>Bizum<\/strong> est-il un sujet si important ?<\/p>\n<p>Voici quelques aspects les plus importants du Bizum en Europe :<\/p>\n<ul>\n<li>Paiements instantan\u00e9s comme norme europ\u00e9enne. L&rsquo;UE a encourag\u00e9 le d\u00e9ploiement de transferts instantan\u00e9s (en quelques secondes) entre les \u00c9tats membres, ce qui acc\u00e9l\u00e8re le fait que de plus en plus de clients attendent l&rsquo;imm\u00e9diatet\u00e9.<\/li>\n<li><a href=\"https:\/\/bizum.com\/es\/notas\/europa-y-epi-confirman-su-compromiso-para-expandir-los-pagos-paneuropeos-soberanos-con-un-modelo-de-hub\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Interop\u00e9rabilit\u00e9 r\u00e9elle<\/a> (d\u00e9j\u00e0 en cours). Dans le \u00ab\u00a0monde Bizum\u00a0\u00bb, l&rsquo;interop\u00e9rabilit\u00e9 transfrontali\u00e8re entre Bizum (Espagne), MB WAY\/SIBS (Portugal) et Bancomat (Italie) est active depuis mars 2025, y compris l&rsquo;Andorre dans cet \u00e9cosyst\u00e8me. En fait, la banque n\u00e9gocie la cr\u00e9ation d&rsquo;un Bizum europ\u00e9en et la connexion de syst\u00e8mes de paiement.<\/li>\n<li>Plus de tra\u00e7abilit\u00e9 pour les recouvrements professionnels. Depuis janvier 2026, le Tr\u00e9sor renforce les obligations d&rsquo;information sur les recouvrements des entrepreneurs et des professionnels par le biais de Bizum et de syst\u00e8mes \u00e9quivalents (informations mensuelles envoy\u00e9es par les entit\u00e9s).<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4da3b31 e-flex e-con-boxed e-con e-parent\" data-id=\"4da3b31\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd3b13 elementor-widget elementor-widget-heading\" data-id=\"ebd3b13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tableau comparatif : Bizum, Wero et autres syst\u00e8mes (par pays et utilisation principale)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-c087b3e e-flex e-con-boxed e-con e-parent\" data-id=\"c087b3e\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b0feb02 elementor-widget elementor-widget-spacer\" data-id=\"b0feb02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a741fa3 e-flex e-con-boxed e-con e-parent\" data-id=\"a741fa3\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-9e88aff elementor-widget elementor-widget-text-editor\" data-id=\"9e88aff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Note pratique : la disponibilit\u00e9 sp\u00e9cifique d\u00e9pend des banques affili\u00e9es et de la migration que fait chaque pays\/banque. Le tableau vous donne la bonne carte mentale pour discuter avec le client et proposer une alternative rapide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9ee9659 e-flex e-con-boxed e-con e-parent\" data-id=\"9ee9659\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b41aa69 elementor-widget elementor-widget-text-editor\" data-id=\"b41aa69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2517\" data-end=\"4240\">\n<thead data-start=\"2517\" data-end=\"2623\">\n<tr data-start=\"2517\" data-end=\"2623\">\n<th data-start=\"2517\" data-end=\"2528\" data-col-size=\"sm\">Solution<\/th>\n<th data-start=\"2528\" data-end=\"2559\" data-col-size=\"lg\">Pays o\u00f9 elle est implant\u00e9e<\/th>\n<th data-start=\"2559\" data-end=\"2582\" data-col-size=\"md\">Utilisation principale typique<\/th>\n<th data-start=\"2582\" data-end=\"2623\" data-col-size=\"lg\">Ce que vous devez savoir en tant qu&rsquo;entreprise en Espagne<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2642\" data-end=\"4240\">\n<tr data-start=\"2642\" data-end=\"3039\">\n<td data-start=\"2642\" data-end=\"2654\" data-col-size=\"sm\"><strong data-start=\"2644\" data-end=\"2653\">Bizum<\/strong><\/td>\n<td data-start=\"2654\" data-end=\"2798\" data-col-size=\"lg\">Espagne (et extension\/coop\u00e9ration avec l&rsquo;Andorre ; interop\u00e9rabilit\u00e9 avec l&rsquo;Italie et le Portugal dans le cadre d&rsquo;un partenariat)<\/td>\n<td data-start=\"2798\" data-end=\"2862\" data-col-size=\"md\">P2P instantan\u00e9 ; \u00e9galement des pr\u00e9l\u00e8vements en magasin ou en ligne, selon la banque<\/td>\n<td data-start=\"2862\" data-end=\"3039\" data-col-size=\"lg\">C&rsquo;est peut-\u00eatre pratique, mais pour les transactions professionnelles : facture\/re\u00e7u + \u00e9criture comptable, c&rsquo;est obligatoire (et il faut s\u00e9parer les comptes personnels et professionnels).<\/td>\n<\/tr>\n<tr data-start=\"3040\" data-end=\"3379\">\n<td data-start=\"3040\" data-end=\"3057\" data-col-size=\"sm\"><strong data-start=\"3042\" data-end=\"3056\">Wero (EPI)<\/strong><\/td>\n<td data-start=\"3057\" data-end=\"3129\" data-col-size=\"lg\">L&rsquo;Allemagne, la France et la Belgique<\/td>\n<td data-start=\"3129\" data-end=\"3239\" data-col-size=\"md\">\n<p>P2P instantan\u00e9 \u00ab bas\u00e9 sur les banques \u00bb (et extension aux paiements dans le commerce en ligne)<\/p>\n<\/td>\n<td data-start=\"3239\" data-end=\"3379\" data-col-size=\"lg\">\n<p>Si le client est fran\u00e7ais, belge ou allemand, il demandera de plus en plus souvent \u00e0 b\u00e9n\u00e9ficier de Wero ; concr\u00e8tement, cela signifie g\u00e9n\u00e9ralement : paiement imm\u00e9diat sur facture, tra\u00e7able.<\/p>\n<\/td>\n<\/tr>\n<tr data-start=\"3380\" data-end=\"3664\">\n<td data-start=\"3380\" data-end=\"3400\" data-col-size=\"sm\"><strong data-start=\"3382\" data-end=\"3399\">MB WAY \/ SIBS<\/strong><\/td>\n<td data-start=\"3400\" data-end=\"3498\" data-col-size=\"lg\">Portugal (dans un \u00e9cosyst\u00e8me interop\u00e9rable avec Bizum\/Bancomat)<\/td>\n<td data-start=\"3498\" data-end=\"3519\" data-col-size=\"md\">P2P ; paiements mobiles<\/td>\n<td data-start=\"3519\" data-end=\"3664\" data-col-size=\"lg\">Si votre client est portugais, il peut payer \u00ab comme avec Bizum \u00bb sans IBAN dans les banques participantes (selon leur adh\u00e9sion au service).<\/td>\n<\/tr>\n<tr data-start=\"3665\" data-end=\"3908\">\n<td data-start=\"3665\" data-end=\"3680\" data-col-size=\"sm\"><strong data-start=\"3667\" data-end=\"3679\">Bancomat<\/strong><\/td>\n<td data-start=\"3680\" data-end=\"3774\" data-col-size=\"lg\">Italie (dans un \u00e9cosyst\u00e8me interop\u00e9rable avec Bizum\/MB WAY)<\/td>\n<td data-start=\"3774\" data-end=\"3787\" data-col-size=\"md\">P2P ; paiements<\/td>\n<td data-start=\"3787\" data-end=\"3908\" data-col-size=\"lg\">Dans les banques participantes, ce service fonctionne comme un paiement instantan\u00e9 de type \u00ab Bizum \u00bb vers l&rsquo;Espagne<\/td>\n<\/tr>\n<tr data-start=\"3909\" data-end=\"4240\">\n<td data-start=\"3909\" data-end=\"3950\" data-col-size=\"sm\"><strong>Autres syst\u00e8mes nationaux (EuroPA)<\/strong><\/td>\n<td data-start=\"3950\" data-end=\"4074\" data-col-size=\"lg\">Cela comprend, entre autres, Blik, IRIS, Vipps, ainsi que Bancomat\/Bizum\/SIBS<\/td>\n<td data-start=\"4074\" data-end=\"4096\" data-col-size=\"md\">P2P et paiements locaux<\/td>\n<td data-start=\"4096\" data-end=\"4240\" data-col-size=\"lg\">Votre client peut d\u00e9couvrir \u00ab son application locale \u00bb ; votre objectif est de lui proposer d&rsquo;autres moyens de paiement (virement SEPA instantan\u00e9, carte bancaire, passerelle de paiement).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a7dd6de e-flex e-con-boxed e-con e-parent\" data-id=\"a7dd6de\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1c5609f e-con-full e-flex e-con e-child\" data-id=\"1c5609f\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-e2de119 elementor-widget elementor-widget-heading\" data-id=\"e2de119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Si votre client est en France ou en Belgique : \u00e0 quoi s'attendre et alternatives<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-436327c e-flex e-con-boxed e-con e-parent\" data-id=\"436327c\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-e4a2186 e-flex e-con-boxed e-con e-parent\" data-id=\"e4a2186\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-8b84a6c elementor-widget elementor-widget-text-editor\" data-id=\"8b84a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>France : de Paylib \u00e0 Wero (et le client trouve cela \u00ab normal \u00bb)<\/p>\n<p>En France, Wero a remplac\u00e9 Paylib entre amis (transition achev\u00e9e en 2025). <br \/>Qu&rsquo;est-ce que cela implique pour vous :<\/p>\n<ul data-start=\"4534\" data-end=\"4909\">\n<li data-start=\"4534\" data-end=\"4670\">\n<p data-start=\"4536\" data-end=\"4670\">Si un client vous dit \u00ab je te fais un Wero \u00bb, cela signifie g\u00e9n\u00e9ralement qu&rsquo;il envisage de payer depuis son compte bancaire, avec la m\u00eame simplicit\u00e9 qu&rsquo;un Bizum.<\/p>\n<\/li>\n<li data-start=\"4671\" data-end=\"4909\">\n<p data-start=\"4673\" data-end=\"4728\">La meilleure strat\u00e9gie commerciale consiste \u00e0 proposer deux options :<\/p>\n<ol data-start=\"4731\" data-end=\"4909\">\n<li data-start=\"4731\" data-end=\"4847\">\n<p data-start=\"4734\" data-end=\"4847\">\u00ab Parfait : virement instantan\u00e9 (SEPA Instant) sur ce compte. \u00bb<\/p>\n<\/li>\n<li data-start=\"4850\" data-end=\"4909\">\n<p data-start=\"4853\" data-end=\"4909\">\u00ab Si vous pr\u00e9f\u00e9rez, carte bancaire\/paiement en ligne (pour les services en ligne). \u00bb<\/p>\n<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<h3 data-start=\"4911\" data-end=\"4952\">Belgique : Wero va de l&rsquo;avant et Payconiq migre<\/h3>\n<p data-start=\"4953\" data-end=\"5174\">En Belgique, Wero est disponible et, de plus, une migration de Payconiq vers l&rsquo;\u00e9cosyst\u00e8me Bancontact\/Wero a eu lieu lors de la r\u00e9cente transition.<\/p>\n<p data-start=\"4953\" data-end=\"5174\"><br data-start=\"5148\" data-end=\"5151\" \/>Qu&rsquo;est-ce que cela implique pour vous :<\/p>\n<ul data-start=\"5175\" data-end=\"5404\">\n<li data-start=\"5175\" data-end=\"5273\">\n<p data-start=\"5177\" data-end=\"5273\">Un Belge peut bien parler de \u00ab Payconiq \u00bb, mais la banque lui parlera de Wero\/Bancontact.<\/p>\n<\/li>\n<li data-start=\"5274\" data-end=\"5404\">\n<p data-start=\"5276\" data-end=\"5404\">Si vous voulez \u00e9viter les complications : QR, \u00ab paiement instantan\u00e9 \u00bb et compte bancaire sont les termes qu&rsquo;il comprend le mieux (et qui sont les plus courants).<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"5406\" data-end=\"5441\">Mod\u00e8le de r\u00e9ponse (ce qui se fait habituellement)<\/h3>\n<blockquote data-start=\"5442\" data-end=\"5647\">\n<p data-start=\"5444\" data-end=\"5647\">\u00ab On peut faire simple : je vous donne un IBAN et, si votre banque propose le virement instantan\u00e9, vous recevez l&rsquo;argent en quelques secondes. Si vous pr\u00e9f\u00e9rez, nous acceptons \u00e9galement les cartes bancaires et les paiements en ligne. Et si vous \u00eates en Espagne, Bizum. \u00bb<\/p>\n<\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4984611 e-flex e-con-boxed e-con e-parent\" data-id=\"4984611\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-85878b3 elementor-widget elementor-widget-heading\" data-id=\"85878b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pour les travailleurs ind\u00e9pendants et les entreprises en Espagne : comment encaisser et d\u00e9clarer correctement ses revenus (sans complications)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-8a228aa e-flex e-con-boxed e-con e-parent\" data-id=\"8a228aa\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-236f1c3 e-flex e-con-boxed e-con e-parent\" data-id=\"236f1c3\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-36b2dc4 elementor-widget elementor-widget-text-editor\" data-id=\"36b2dc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5754\" data-end=\"5805\">Voici l&rsquo;essentiel (et ce qui permet d&rsquo;\u00e9viter la plupart des probl\u00e8mes) :<\/p>\n<h3 data-start=\"5807\" data-end=\"5841\">1) Distinguez \u00ab encaissement \u00bb de \u00ab facture \u00bb<\/h3>\n<ul data-start=\"5842\" data-end=\"6171\">\n<li data-start=\"5842\" data-end=\"6049\">\n<p data-start=\"5844\" data-end=\"6049\">Le paiement ne remplace pas la facture. Bizum, le virement instantan\u00e9 ou Wero sont des moyens de paiement ; l&rsquo;<a href=\"https:\/\/www.asesoriaorihuelacosta.com\/fr\/verification-2026-dates-exigences-sanctions\/\" target=\"_blank\" rel=\"noopener\">obligation de facturer<\/a>\/d&rsquo;enregistrer d\u00e9pend de votre activit\u00e9 et de la r\u00e9glementation applicable (TVA, imp\u00f4t sur le revenu, imp\u00f4t sur les soci\u00e9t\u00e9s, etc.).<\/p>\n<\/li>\n<li data-start=\"6050\" data-end=\"6171\">\n<p data-start=\"6052\" data-end=\"6171\">Recommandation pratique : \u00e9mettez une facture ou un re\u00e7u et joignez-y un relev\u00e9 bancaire ou un justificatif de la transaction.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"6173\" data-end=\"6229\">2) Rapprochement bancaire : une m\u00e9thode simple qui fonctionne<\/h3>\n<ul data-start=\"6230\" data-end=\"6490\">\n<li data-start=\"6230\" data-end=\"6311\">\n<p data-start=\"6232\" data-end=\"6311\">Cr\u00e9ez un \u00ab champ \u00bb interne : R\u00e9f\u00e9rence du paiement (date + client + motif).<\/p>\n<\/li>\n<li data-start=\"6312\" data-end=\"6490\">\n<p data-start=\"6314\" data-end=\"6338\">Chaque pr\u00e9l\u00e8vement doit comporter :<\/p>\n<ul data-start=\"6341\" data-end=\"6490\">\n<li data-start=\"6341\" data-end=\"6365\">\n<p data-start=\"6343\" data-end=\"6365\">Client identifi\u00e9<\/p>\n<\/li>\n<li data-start=\"6368\" data-end=\"6400\">\n<p data-start=\"6370\" data-end=\"6400\">Concept (service\/produit)<\/p>\n<\/li>\n<li data-start=\"6403\" data-end=\"6432\">\n<p data-start=\"6405\" data-end=\"6432\">Facture associ\u00e9e (num\u00e9ro)<\/p>\n<\/li>\n<li data-start=\"6435\" data-end=\"6490\">\n<p data-start=\"6437\" data-end=\"6490\">Justificatif de paiement (relev\u00e9, re\u00e7u, capture d&rsquo;\u00e9cran)<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 data-start=\"6492\" data-end=\"6544\">3) Attention \u00e0 Bizum pour les paiements professionnels en 2026<\/h3>\n<p data-start=\"6545\" data-end=\"6812\">\u00c0 partir de 2026, le cadre des obligations d&rsquo;information sera renforc\u00e9 pour les encaissements des entrepreneurs et des professionnels affili\u00e9s \u00e0 Bizum ou \u00e0 des syst\u00e8mes \u00e9quivalents, avec des d\u00e9clarations mensuelles de la part des \u00e9tablissements.<\/p>\n<p data-start=\"6545\" data-end=\"6812\"><br \/>En pratique :<\/p>\n<ul data-start=\"6813\" data-end=\"7085\">\n<li data-start=\"6813\" data-end=\"6945\">\n<p data-start=\"6815\" data-end=\"6945\">Si vous recevez r\u00e9guli\u00e8rement des paiements via Bizum, le plus judicieux est d&rsquo;utiliser un compte professionnel et de tenir une comptabilit\u00e9 irr\u00e9prochable.<\/p>\n<\/li>\n<li data-start=\"6946\" data-end=\"7085\">\n<p data-start=\"6948\" data-end=\"7085\">Si vous m\u00e9langez votre compte personnel et votre compte professionnel, ce n&rsquo;est pas \u00ab ill\u00e9gal pour le plaisir \u00bb, mais c&rsquo;est un moyen efficace de semer le chaos (et de se cr\u00e9er du travail suppl\u00e9mentaire).<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"7087\" data-end=\"7140\">4) Recommandation relative \u00e0 la politique interne (pour les PME)<\/h3>\n<p data-start=\"7141\" data-end=\"7180\">Un document d&rsquo;une page (oui, une seule) contenant :<\/p>\n<ul data-start=\"7181\" data-end=\"7355\">\n<li data-start=\"7181\" data-end=\"7261\">\n<p data-start=\"7183\" data-end=\"7261\">Quels modes de paiement acceptez-vous (virement bancaire, Bizum, carte de cr\u00e9dit\/d\u00e9bit, esp\u00e8ces le cas \u00e9ch\u00e9ant) ?<\/p>\n<\/li>\n<li data-start=\"7262\" data-end=\"7291\">\n<p data-start=\"7264\" data-end=\"7291\">Comment identifie-t-on la charge ?<\/p>\n<\/li>\n<li data-start=\"7292\" data-end=\"7321\">\n<p data-start=\"7294\" data-end=\"7321\">Qui autorise les retours ?<\/p>\n<\/li>\n<li data-start=\"7322\" data-end=\"7355\">\n<p data-start=\"7324\" data-end=\"7355\">O\u00f9 sont conserv\u00e9s les justificatifs ?<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4ef6835 e-flex e-con-boxed e-con e-parent\" data-id=\"4ef6835\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-03fbe4e e-flex e-con-boxed e-con e-parent\" data-id=\"03fbe4e\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-009936a elementor-widget elementor-widget-heading\" data-id=\"009936a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mini-article : les fraudes courantes li\u00e9es aux paiements instantan\u00e9s (et comment les \u00e9viter)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-d3909d3 e-flex e-con-boxed e-con e-parent\" data-id=\"d3909d3\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-93225ee elementor-widget elementor-widget-text-editor\" data-id=\"93225ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"7436\" data-end=\"7563\">Les paiements instantan\u00e9s ont un avantage et un inconv\u00e9nient : ils sont instantan\u00e9s. C&rsquo;est pourquoi les fraudeurs cherchent \u00e0 vous faire valider rapidement.<\/p>\n<h3 data-start=\"7565\" data-end=\"7607\">1) \u00ab Bizum invers\u00e9 \u00bb (le pi\u00e8ge classique)<\/h3>\n<p data-start=\"7608\" data-end=\"7878\">L&rsquo;escroc ne vous envoie pas d&rsquo;argent : il vous envoie une demande de paiement et vous, croyant \u00ab accepter un pr\u00e9l\u00e8vement \u00bb, autorisez un paiement.<br \/>R\u00e8gle d&rsquo;or : si l&rsquo;on vous demande d&rsquo;\u00ab accepter \u00bb pour recevoir un paiement, relisez bien. Accepter ne signifie pas toujours que tout va bien.<\/p>\n<h3 data-start=\"7880\" data-end=\"7944\">2) Usurpation d&rsquo;identit\u00e9 via WhatsApp \/ \u00ab Je t&rsquo;ai envoy\u00e9 un Bizum par erreur \u00bb<\/h3>\n<p data-start=\"7945\" data-end=\"8094\">Ils vous \u00e9crivent comme s&rsquo;ils \u00e9taient une connaissance ou un client et vous poussent \u00e0 leur rembourser de l&rsquo;argent ou \u00e0 accepter leurs demandes.<\/p>\n<h3 data-start=\"8096\" data-end=\"8131\">3) Que faire si vous soup\u00e7onnez une fraude<\/h3>\n<ul data-start=\"8132\" data-end=\"8289\">\n<li data-start=\"8132\" data-end=\"8196\">\n<p data-start=\"8134\" data-end=\"8196\">Pr\u00e9venez votre banque d\u00e8s que possible et conservez les justificatifs.<\/p>\n<\/li>\n<li data-start=\"8197\" data-end=\"8289\">\n<p data-start=\"8199\" data-end=\"8289\">D\u00e9posez plainte et fournissez des captures d&rsquo;\u00e9cran\/des informations<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-e45123c e-flex e-con-boxed e-con e-parent\" data-id=\"e45123c\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-b6eb7a0 e-flex e-con-boxed e-con e-parent\" data-id=\"b6eb7a0\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-4faef50 elementor-widget elementor-widget-heading\" data-id=\"4faef50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion : comment bien para\u00eetre avec le client (et avec sa comptabilit\u00e9)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2ad8e7b e-flex e-con-boxed e-con e-parent\" data-id=\"2ad8e7b\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-47a6e61 e-flex e-con-boxed e-con e-parent\" data-id=\"47a6e61\" data-element_type=\"container\" data-e-type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-baf32be elementor-widget elementor-widget-text-editor\" data-id=\"baf32be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul data-start=\"8368\" data-end=\"8810\">\n<li data-start=\"8368\" data-end=\"8539\">\n<p data-start=\"8370\" data-end=\"8539\">Si le client r\u00e9side en France, en Belgique ou en Allemagne : parlez-lui de Wero et proposez-lui le virement instantan\u00e9 comme moyen de paiement universel.<\/p>\n<\/li>\n<li data-start=\"8540\" data-end=\"8680\">\n<p data-start=\"8542\" data-end=\"8680\">Si le client r\u00e9side en Italie, au Portugal ou en Andorre : l&rsquo;univers Bizum propose d\u00e9j\u00e0 des solutions.<\/p>\n<\/li>\n<li data-start=\"8681\" data-end=\"8810\">\n<p data-start=\"8683\" data-end=\"8810\">Pour vous, l&rsquo;essentiel r\u00e9side dans : la facture + le justificatif + le rapprochement, et la r\u00e9duction au minimum du risque de fraude gr\u00e2ce \u00e0 un protocole simple.<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bizum, Wero et paiements instantan\u00e9s en Europe : ce que votre client \u00e9tranger peut utiliser et comment encaisser en Espagne sans complications Si vous travaillez avec des clients \u00e9trangers (r\u00e9sidents ou non-r\u00e9sidents), t\u00f4t ou tard, cette question se pose :\u00ab Puis-je vous payer via Bizum ? \u00bb \u2014 et, s\u2019il n\u2019est pas espagnol, la version [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":48212,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[46],"tags":[],"class_list":["post-50903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-1140x445.webp",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-463x348.webp",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-300x136.webp",300,136,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa.webp",1920,870,false]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bizum, Wero et paiements en Europe : comment encaisser en Espagne - Asesor\u00eda Orihuela Costa<\/title>\n<meta name=\"description\" content=\"Guide pratique pour ind\u00e9pendants et entreprises: Bizum vs Wero et alternatives par pays. 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