{"id":24440,"date":"2025-07-03T07:30:00","date_gmt":"2025-07-03T05:30:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?post_type=sage_glossary&#038;p=24440"},"modified":"2026-02-10T17:54:52","modified_gmt":"2026-02-10T16:54:52","slug":"iso-20022-anticipez-la-transition","status":"publish","type":"sage_glossary","link":"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/iso-20022-anticipez-la-transition\/","title":{"rendered":"ISO 20022 : anticipez la transition\u00a0!"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/\" class=\"entry-header__link\">D\u00e9finition<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tISO 20022 : anticipez la transition\u00a0!\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"reading-time\"> min de lecture<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"ISO 20022 : anticipez la transition\u00a0!\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/iso-20022-anticipez-la-transition\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partager<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copier le lien<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copi\u00e9<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<p>D\u00e8s novembre 2025, la norme internationale ISO 20022 s\u2019imposera comme le standard international pour les <strong>paiements interbancaires dans la <\/strong><a href=\"https:\/\/www.economie.gouv.fr\/cedef\/fiches-pratiques\/espace-unique-de-paiement-en-euros-sepa\" target=\"_blank\" rel=\"noreferrer noopener\">zone SEPA<\/a>.<\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#definition\" data-level=\"2\">Qu&rsquo;est-ce que la norme ISO 20022 ?<\/a><\/li><li><a href=\"#avantages\" data-level=\"2\">Quels sont les avantages de cette transition ?<\/a><\/li><li><a href=\"#anticiper\" data-level=\"2\">Anticiper la transition vers la norme ISO 20022<\/a><\/li><li><a href=\"#fe\" data-level=\"2\">Norme ISO 20022 et facture &eacute;lectronique&nbsp;: 3 raisons de mener ces chantiers conjointement&nbsp;?<\/a><\/li><\/ul><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"#gate-5f4fb672-74a1-4de0-93fe-933a2103d7cd\">T\u00e9l\u00e9chargez le guide \u00ab\u00a010 id\u00e9es pour faire gagner la fonction finance\u00a0\u00bb<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"definition\"><strong>Qu\u2019est-ce que la norme ISO 20022 ?<\/strong><\/h2>\n\n\n\n<p>ISO 20022 est une norme internationale qui d\u00e9finit un langage commun pour les \u00e9changes de donn\u00e9es financi\u00e8res entre les diff\u00e9rents acteurs \u00e9conomiques : banques, entreprises, op\u00e9rateurs de march\u00e9, r\u00e9gulateurs. Elle repose sur un format de message structur\u00e9 en XML (Extensible Markup Language), d\u00e9fini par SWIFT.<\/p>\n\n\n\n<p>Cette norme uniformise la structuration des donn\u00e9es (libell\u00e9s, adresses, r\u00e9f\u00e9rences) et am\u00e9liore la lisibilit\u00e9 et l\u2019interop\u00e9rabilit\u00e9 entre banques, entreprises et prestataires.<\/p>\n\n\n\n<p>Depuis mars 2023, les banques ont amorc\u00e9 la transition vers le format ISO 20022 pour les paiements transfrontaliers et les \u00e9changes interbancaires, rempla\u00e7ant les anciens messages SWIFT MT par des messages MX en XML.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"avantages\"><strong>Quels sont les avantages de cette transition ?<\/strong><\/h2>\n\n\n\n<p>ISO 20022 <strong>facilite l\u2019automatisation, la transparence et la tra\u00e7abilit\u00e9 des paiements, en renfor\u00e7ant la s\u00e9curit\u00e9 et la conformit\u00e9<\/strong>.<\/p>\n\n\n\n<p>Ainsi, les donn\u00e9es deviennent plus lisibles par les syst\u00e8mes comptables et de tr\u00e9sorerie. Cela simplifie&nbsp;le <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/etat-rapprochement-bancaire-definition\/\">rapprochement bancaire<\/a>, r\u00e9duit les erreurs de traitement et am\u00e9liore le pilotage financier avec&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une vision unifi\u00e9e des flux financiers et commerciaux<\/strong><\/li>\n\n\n\n<li><strong>La r\u00e9duction des \u00e9carts entre facturation et paiement<\/strong><\/li>\n\n\n\n<li><strong>L\u2019automatisation du rapprochement facture\/r\u00e8glement<\/strong><\/li>\n\n\n\n<li><strong>L\u2019optimisation du <\/strong><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/cash-flow-definition-du-flux-de-tresorerie-dentreprise\/\">cash-flow<\/a><\/li>\n<\/ul>\n\n\n\n<p>Ce changement est \u00e9galement strat\u00e9gique dans le contexte de la lutte contre la fraude, du respect des r\u00e9glementations et de l\u2019internationalisation des \u00e9changes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"anticiper\"><strong>Anticiper la transition vers la norme ISO 20022<\/strong><\/h2>\n\n\n\n<p>L\u2019adoption de la norme ISO 20022 engage une transformation en profondeur des syst\u00e8mes et des processus financiers. Elle impacte&nbsp;\u00e0 la fois :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les <a href=\"https:\/\/www.sage.com\/fr-fr\/comptabilite-logiciels\/\">logiciels de gestion financi\u00e8re<\/a>, de tr\u00e9sorerie et les <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/definition-qu-est-ce-qu-une-solution-erp-pgi\/\">ERP<\/a><\/li>\n\n\n\n<li>Les processus comptables li\u00e9s aux paiements, aux encaissements ou encore aux transactions internationales<\/li>\n<\/ul>\n\n\n\n<p><strong>Les entreprises doivent donc s\u2019assurer que leur infrastructure est compatible<\/strong>, ce qui peut impliquer des mises \u00e0 jour majeures, voire le remplacement de certaines solutions.<\/p>\n\n\n\n<p>En effet, la non-conformit\u00e9 pourra avoir des cons\u00e9quences concr\u00e8tes&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le <strong>rejet de fichiers de paiement<\/strong> : les formats obsol\u00e8tes ne seront plus accept\u00e9s par les banques&nbsp;;<\/li>\n\n\n\n<li>le <strong>ralentissement des flux financiers<\/strong> : d\u00e9calages de paiement, p\u00e9nalit\u00e9s fournisseurs, insatisfaction clients&nbsp;;<\/li>\n\n\n\n<li>le risque de <strong>non-conformit\u00e9 r\u00e9glementaire<\/strong>, en particulier si les donn\u00e9es requises ne sont pas transmises (par exemple l\u2019information sur l\u2019initiateur du paiement)&nbsp;;<\/li>\n\n\n\n<li>la <strong>perte d&rsquo;efficacit\u00e9 op\u00e9rationnelle<\/strong> : erreurs de <a href=\"https:\/\/www.sage.com\/fr-fr\/solutions-paiement-integrees\/logiciel-rapprochement-bancaire\/\">rapprochement bancaire<\/a>, surcharge manuelle.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fe\"><strong>Norme ISO 20022 et facture \u00e9lectronique&nbsp;: 3 raisons de mener ces chantiers conjointement&nbsp;?<\/strong><\/h2>\n\n\n\n<p>1. Tout d\u2019abord, le calendrier de leur d\u00e9ploiement obligatoire est assez proche&nbsp;: septembre 2026 pour la&nbsp;<a href=\"https:\/\/www.sage.com\/fr-fr\/dematerialisation\/facture-electronique\/\">facture \u00e9lectronique<\/a>&nbsp;et novembre 2026 pour les entreprises (novembre 2025 pour les banques).<\/p>\n\n\n\n<p><strong>2. Ces deux projets<\/strong> mobilisent les m\u00eames \u00e9quipes (DSI, comptable, tr\u00e9sorier) pour la mise \u00e0 jour des logiciels de gestion, des interfaces et des processus internes.<\/p>\n\n\n\n<p>3. Ces<strong> deux syst\u00e8mes vont engendrer une automatisation compl\u00e8te du cycle commande \u2192 facturation \u2192 paiement&nbsp;:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ISO 20022 structurera les&nbsp;flux de paiement<\/li>\n\n\n\n<li>La facture \u00e9lectronique structurera les&nbsp;flux de facturation.<\/li>\n<\/ul>\n\n\n\n<p>En conclusion, l\u2019incidence de la norme ISO 20022 sur les TPE et PME sera mod\u00e9r\u00e9e&nbsp;si elles utilisent un portail bancaire ou un <a href=\"https:\/\/www.sage.com\/fr-fr\/produits\/sage-active\/\"><strong>logiciel comptable<\/strong><\/a><strong> compatible avec les nouveaux formats d\u2019\u00e9change.<\/strong><\/p>\n\n\n\n<p>Les <a href=\"https:\/\/www.sage.com\/fr-fr\/\"><strong>solutions Sage<\/strong><\/a><strong> <\/strong>int\u00e8grent toutes les nouvelles normes pour assurer la conformit\u00e9 des entreprises.<\/p>\n\n\n\n<p>Ces articles peuvent \u00e9galement vous int\u00e9resser&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/iso-27001-securite-des-informations\/\">Certification ISO 27001, l\u2019excellence en mati\u00e8re de s\u00e9curit\u00e9 des informations<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/conformite-fiscale-comment-lassurer\/\">Conformit\u00e9 fiscale : ne pas l\u2019assurer n\u2019a jamais \u00e9t\u00e9 aussi risqu\u00e9<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/glossaire\/e-reporting-guide-pratique\/\">Le e-reporting : guide pratique<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/e-reporting-conforme-avec-pdp-sage\/\">[#CQFE] e-reporting : une PDP est indispensable !<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tpe-changer-son-logiciel-de-gestion\/\">TPE : quand changer son logiciel de gestion ?<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">10 id\u00e9es pour faire gagner la fonction finance<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-5f4fb672-74a1-4de0-93fe-933a2103d7cd\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>T\u00e9l\u00e9chargez le guide<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1406179050-1215x810.jpg\" class=\"single-cta__image\" alt=\"Salle de r\u00e9union avec 5 collaborateurs autour d&#039;une table et une personne qui pr\u00e9sente des r\u00e9sultats financiers\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1406179050-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Inscrivez-vous \u00e0 la e-newsletter mensuelle<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a947ade1-e692-455f-94ce-a275d72a9a11\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Je m&#039;abonne<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Parcourir plus de sujets depuis cet article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/comptabilite\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tComptabilit\u00e9\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/loi-anti-fraude-tva\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tLoi anti-fraude TVA\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/reglementation\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tR\u00e9glementation\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explorez plus d&#039;articles<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col 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684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-481292737-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-481292737-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommand\u00e9<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-21T10:00:00+02:00\">21 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/archivage-legal-de-la-facture-electronique-le-vrai-du-faux\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tArchivage l\u00e9gal de la facture \u00e9lectronique\u00a0: savoir le vrai du faux\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tL\u2019archivage l\u00e9gal de la facture \u00e9lectronique est parfois \u00e0 tort associ\u00e9 aux services de base rendus par les plateformes agr\u00e9\u00e9es. Alors qu\u2019il s\u2019agit d\u2019une fonction centrale, qui va bien au-del\u00e0 des exigences de conformit\u00e9 pour s\u2019inscrire dans le vaste mouvement de digitalisation des entreprises.\nPlusieurs approches existent pour traiter la conformit\u00e9 mais aussi la fluidit\u00e9 et la r\u00e9activit\u00e9. De l\u2019outil d\u2019archivage au coffre-fort, en passant par le cachet \u00e9lectronique, Sage est pr\u00e9sent sur l\u2019\u00e9tendue des possibles. \n\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">En savoir plus sur ce sujet<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-29772 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-comptabilite tag-donnees tag-ia-digitalisation business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises business_type-expertise-comptable industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/connectee-a-100-des-donnees-contextuelles-ia-universelle\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-684x384.jpg\" class=\"card-post__image\" alt=\"IA Sage donn\u00e9es contextuelles\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1397606538-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-13T18:44:37+02:00\">13 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">4 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tConnect\u00e9e \u00e0 100 % des donn\u00e9es contextuelles\u00a0: vers une IA universelle\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-29762 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-cabinet-expert-comptable tag-comptabilite tag-facture-electronique business_type-expertise-comptable industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facture-electronique-comptable\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0405-684x384.jpg\" class=\"card-post__image\" alt=\"experts comptables facture \u00e9lectronique\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0405-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0405-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0405-1214x810.jpg 1214w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-07T18:23:03+02:00\">7 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tFacture \u00e9lectronique : un chantier p\u00e9dagogique \u00ab colossal \u00bb pour les experts-comptables\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-29740 post type-post status-publish format-standard has-post-thumbnail hentry category-interviews-clients tag-comptabilite tag-erp tag-facture-electronique tag-temoignages-clients business_type-petites-et-moyennes-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/expertise-france-saisit-toutes-les-opportunites-temoignage\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/05\/expertise-france-sage-x3-temoignage-article-684x384.jpg\" class=\"card-post__image\" alt=\"expertise-france-sage-x3-temoignage-article\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/05\/expertise-france-sage-x3-temoignage-article-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/05\/expertise-france-sage-x3-temoignage-article-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/05\/expertise-france-sage-x3-temoignage-article-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 9.251v5.5c0 .442.231.849.613 1.074.389.231.846.237 1.239.021l5.001-2.751c.396-.219.646-.639.646-1.094s-.25-.876-.646-1.095l-.001-.001-5.002-2.751a1.25 1.25 0 0 0-.601-.153zM5.5 8.25a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8 1.423L14.731 12 10.5 14.328zm-5 1.577a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-05T09:30:00+02:00\">5 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">4 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tExpertise France\u00a0: saisir toutes les opportunit\u00e9s de progr\u00e8s\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-29729 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-cabinet-expert-comptable tag-comptabilite tag-facture-electronique business_type-expertise-comptable industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/comptable-confiance-donnee\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1395187689-684x384.jpg\" class=\"card-post__image\" alt=\"Expert-comptable : plus que jamais un tiers de confiance\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1395187689-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1395187689-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1395187689-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-04T12:56:46+02:00\">4 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tL\u2019expert-comptable, gardien institutionnel de la donn\u00e9e face aux bouleversements num\u00e9riques\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e8s novembre 2025, la norme internationale ISO 20022 s\u2019imposera comme le standard international pour les paiements interbancaires dans la zone SEPA. Qu\u2019est-ce que la norme ISO 20022 ? ISO 20022 est une norme internationale qui d\u00e9finit un langage commun pour les \u00e9changes de donn\u00e9es financi\u00e8res entre les diff\u00e9rents acteurs \u00e9conomiques : banques, entreprises, op\u00e9rateurs de [&hellip;]<\/p>\n","protected":false},"author":1589,"featured_media":0,"template":"","meta":{"_sage_video":false,"footnotes":""},"tags":[70,30,898],"class_list":["post-24440","sage_glossary","type-sage_glossary","status-publish","hentry","tag-comptabilite","tag-loi-anti-fraude-tva","tag-reglementation"],"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice France","distributor_original_site_url":"https:\/\/www.sage.com\/fr-fr\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/sage_glossary\/24440","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/sage_glossary"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/sage_glossary"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/1589"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/sage_glossary\/24440\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=24440"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=24440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}