{"id":30121,"date":"2026-01-10T21:16:40","date_gmt":"2026-01-10T20:16:40","guid":{"rendered":"https:\/\/swipay.ch\/comprendre-le-paiement\/roles-dans-le-paiement\/"},"modified":"2026-01-13T08:34:36","modified_gmt":"2026-01-13T07:34:36","slug":"roles-dans-le-paiement","status":"publish","type":"page","link":"https:\/\/swipay.ch\/fr\/comprendre-le-paiement\/roles-dans-le-paiement\/","title":{"rendered":"R\u00f4les dans le paiement"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none hundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-image:linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/swipay.ch\/wp-content\/uploads\/2025\/12\/2025_SwiPay_Product_Slice_01.jpg\" data-bg-gradient=\"linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-justify-content-flex-end fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color5);--awb-margin-top:4%;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:rgba(249,249,251,0.8);border-width:2px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>R\u00f4les dans le paiement<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">Au quotidien, le paiement donne souvent l'impression d'un \u00e9change direct : un paiement est d\u00e9clench\u00e9, l'argent arrive. Entre les deux, peu de choses semblent se passer. En r\u00e9alit\u00e9, chaque paiement fait intervenir plusieurs entit\u00e9s, chacune assumant une t\u00e2che clairement d\u00e9finie.  <\/div><div class=\"reading-box-additional\">Ces r\u00f4les n&#8217;ont pas \u00e9t\u00e9 cr\u00e9\u00e9s par hasard. Ils se sont d\u00e9velopp\u00e9s au fil des ann\u00e9es afin de rendre les paiements s\u00fbrs, stables et utilisables \u00e0 l&#8217;\u00e9chelle internationale. En m\u00eame temps, c&#8217;est pr\u00e9cis\u00e9ment cette r\u00e9partition qui fait que les responsabilit\u00e9s semblent difficiles \u00e0 saisir au quotidien.<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:2%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><nav class=\"fusion-breadcrumbs awb-yoast-breadcrumbs fusion-breadcrumbs-1\" style=\"--awb-alignment:center;--awb-text-color:var(--awb-color6);--awb-current-page-color:var(--awb-color5);--awb-separator-color:var(--awb-color4);--awb-breadcrumb-sep:&#039;\/&#039;;text-align:center;\" aria-label=\"Breadcrumb\"><span><span><a href=\"https:\/\/swipay.ch\/fr\/\">SwiPay<\/a><\/span><\/span><\/nav><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:10;margin-top:2%;margin-bottom:2%;width:100%;max-width:95%;\"><div class=\"fusion-separator-border sep-shadow\" style=\"--awb-height:20px;--awb-amount:20px;background:radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-webkit-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-moz-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-o-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);\"><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Pourquoi il y a plusieurs r\u00f4les dans le paiement<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>Les paiements doivent r\u00e9pondre \u00e0 de nombreuses exigences en m\u00eame temps. Ils doivent \u00eatre rapides, fonctionner de mani\u00e8re fiable, \u00e9viter les abus et respecter les exigences l\u00e9gales. Un seul organisme pourrait difficilement faire tout cela tout seul.  <\/p>\n<p>C&#8217;est pourquoi Payment est divis\u00e9. Chaque r\u00f4le prend en charge une partie sp\u00e9cifique du processus. Ce n&#8217;est qu&#8217;en interagissant que l&#8217;on obtient le processus que l&#8217;on per\u00e7oit au quotidien comme un &#8220;paiement&#8221;.  <\/p>\n<p>Cette r\u00e9partition est judicieuse &#8211; elle rend le syst\u00e8me stable. Mais elle rend aussi le syst\u00e8me plus difficile \u00e0 expliquer.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Aper\u00e7u des principales parties prenantes<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>Un paiement donne l&#8217;impression d&#8217;\u00eatre un processus direct. En r\u00e9alit\u00e9, plusieurs r\u00f4les sont impliqu\u00e9s, chacun prenant en charge une partie du processus.<\/p>\n<\/div><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"2560\" height=\"600\" alt=\"Aper\u00e7u des principales parties prenantes\" title=\"SwiPay_Les_principaux_intervenants_en_vue_d&#8217;ensemble\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272560%27%20height%3D%27600%27%20viewBox%3D%270%200%202560%20600%27%3E%3Crect%20width%3D%272560%27%20height%3D%27600%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/swipay.ch\/wp-content\/uploads\/2026\/01\/SwiPay_Die_wichtigsten_Beteiligten_im_Ueberblick.svg\" class=\"lazyload img-responsive wp-image-30862\"\/><\/span><\/div><div class=\"fusion-text fusion-text-3\"><p>Dans le paiement, ce sont toujours les m\u00eames r\u00f4les qui apparaissent. Ils ne sont pas li\u00e9s \u00e0 des marques individuelles, mais font partie de la structure de base.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-custom_color_3);--awb-border-left:10px;--awb-border-style:solid;--awb-border-radius:10px 0px 0px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-sep-color:var(--awb-custom_color_3);\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-custom_color_3);\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:41.48;line-height:var(--awb-typography1-line-height);\">Banque \u00e9mettrice (Issuer)<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-custom_color_3);\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-4\"><p>La banque \u00e9mettrice est la banque du payeur. Elle fournit la carte ou le moyen de paiement et v\u00e9rifie \u00e0 chaque paiement que celui-ci peut \u00eatre valid\u00e9. Il s&#8217;agit notamment de la couverture disponible, des contr\u00f4les de s\u00e9curit\u00e9 et du respect des r\u00e8gles applicables aux cartes.  <\/p>\n<p>Ce r\u00f4le ne d\u00e9cide pas des frais ou des mod\u00e8les de paiement du c\u00f4t\u00e9 du commer\u00e7ant. Il veille \u00e0 ce qu&#8217;un paiement soit autoris\u00e9 du point de vue de la personne qui paie &#8211; et constitue donc un \u00e9l\u00e9ment central de l&#8217;autorisation, mais reste g\u00e9n\u00e9ralement invisible pour l&#8217;entreprise du commer\u00e7ant.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-custom_color_2);--awb-border-left:10px;--awb-border-style:solid;--awb-border-radius:10px 0px 0px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-custom_color_2);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-sep-color:var(--awb-custom_color_2);\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-custom_color_2);\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:41.48;line-height:var(--awb-typography1-line-height);\">R\u00e9seau de cartes (Scheme)<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-custom_color_2);\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-5\"><p>Les r\u00e9seaux de cartes d\u00e9finissent les r\u00e8gles qui r\u00e9gissent les paiements par carte dans le monde entier. Ils d\u00e9finissent la mani\u00e8re dont les paiements sont autoris\u00e9s, les normes de s\u00e9curit\u00e9 applicables et la mani\u00e8re dont les litiges ou les rejets de d\u00e9bit sont g\u00e9r\u00e9s. <\/p>\n<p>Ces r\u00e8gles s&#8217;appliquent ind\u00e9pendamment du fournisseur ou de la banque impliqu\u00e9e. Elles constituent la base de l&#8217;utilisation internationale des cartes et du traitement des paiements selon des normes uniformes. Les r\u00e9seaux de cartes n&#8217;interviennent pas de mani\u00e8re op\u00e9rationnelle dans les paiements individuels, mais ils influencent l&#8217;ensemble du processus.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-color5);--awb-border-left:10px;--awb-border-style:solid;--awb-border-radius:10px 0px 0px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-sep-color:var(--awb-color5);\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-color5);\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:41.48;line-height:var(--awb-typography1-line-height);\">Acqu\u00e9reur<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-color5);\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-6\"><p>L&#8217;acqu\u00e9reur prend en charge le traitement financier du paiement du c\u00f4t\u00e9 du commer\u00e7ant. Il veille \u00e0 ce que les transactions soient collect\u00e9es, compens\u00e9es et finalement pay\u00e9es. En m\u00eame temps, il assume une partie du risque financier et r\u00e9pond aux exigences r\u00e9glementaires.  <\/p>\n<p>Ce r\u00f4le est essentiel pour la stabilit\u00e9 du syst\u00e8me, mais il reste souvent en arri\u00e8re-plan dans la vie quotidienne. Les commer\u00e7ants per\u00e7oivent les r\u00e8glements et les paiements, mais pas la responsabilit\u00e9 et la complexit\u00e9 qui se cachent derri\u00e8re. C&#8217;est pr\u00e9cis\u00e9ment l\u00e0 que na\u00eet souvent le sentiment que le paiement &#8220;fonctionne&#8221;, sans \u00eatre vraiment tangible.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-color6);--awb-border-left:10px;--awb-border-style:solid;--awb-border-radius:10px 0px 0px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-sep-color:var(--awb-color6);\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-color6);\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:41.48;line-height:var(--awb-typography1-line-height);\">Revendeurs<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:var(--awb-color6);\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-7\"><p>Le commer\u00e7ant est l&#8217;endroit o\u00f9 le paiement est effectu\u00e9 au quotidien. C&#8217;est l\u00e0 que sont d\u00e9cid\u00e9s les modes de paiement accept\u00e9s, la mani\u00e8re dont les paiements sont d\u00e9clench\u00e9s et la fa\u00e7on dont les paiements sont int\u00e9gr\u00e9s dans les processus. Le contact direct avec les clients est enti\u00e8rement du ressort de l&#8217;entreprise.  <\/p>\n<p>Parall\u00e8lement, les commer\u00e7ants n&#8217;ont g\u00e9n\u00e9ralement qu&#8217;une visibilit\u00e9 limit\u00e9e sur les processus en arri\u00e8re-plan. Les d\u00e9comptes, les paiements et les frais sont utilis\u00e9s et accept\u00e9s sans que leur origine soit visible en d\u00e9tail. De nombreuses d\u00e9cisions en mati\u00e8re de paiement sont donc bas\u00e9es sur la confiance &#8211; et non sur une transparence totale.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Pourquoi les responsabilit\u00e9s sont souvent floues<\/h2><\/div><div class=\"fusion-text fusion-text-8\"><p>Chaque r\u00f4le dans le paiement a des t\u00e2ches bien d\u00e9finies. Mais lorsqu&#8217;elles interagissent, ces fronti\u00e8res s&#8217;estompent. Pour le commer\u00e7ant, le paiement donne l&#8217;impression d&#8217;\u00eatre un service coh\u00e9rent, m\u00eame s&#8217;il est compos\u00e9 de nombreuses pi\u00e8ces d\u00e9tach\u00e9es.  <\/p>\n<p>En cas de questions ou de probl\u00e8mes, il est donc souvent difficile de savoir qui est r\u00e9ellement responsable. Les questions techniques, les questions contractuelles et les processus financiers s&#8217;entrem\u00ealent sans \u00eatre clairement s\u00e9par\u00e9s vis-\u00e0-vis de l&#8217;ext\u00e9rieur. <\/p>\n<p>Ce sentiment d&#8217;ambigu\u00eft\u00e9 n&#8217;est pas un cas exceptionnel, mais une cons\u00e9quence de la structure.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:2%;--awb-padding-right:2%;--awb-padding-bottom:2%;--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-color:var(--awb-color3);--awb-bg-color-hover:var(--awb-color3);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Classement final<\/h2><\/div><div class=\"fusion-text fusion-text-9\"><p>Le paiement est constitu\u00e9 de r\u00f4les, pas d&#8217;une solution unique. Chaque paiement est le r\u00e9sultat d&#8217;une interaction qui est \u00e0 peine visible au quotidien, mais qui fonctionne de mani\u00e8re fiable. <\/p>\n<p>Conna\u00eetre ces r\u00f4les permet de mieux comprendre pourquoi les d\u00e9cisions en mati\u00e8re de paiement prennent du temps, pourquoi les r\u00e9ponses sont parfois indirectes et pourquoi les questions simples n&#8217;ont pas toujours des responsabilit\u00e9s simples.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":30111,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-30121","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>R\u00f4les dans le paiement | SwiPay AG | 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