{"id":12783,"date":"2022-11-21T12:56:34","date_gmt":"2022-11-21T11:56:34","guid":{"rendered":"https:\/\/ipaidthat.io\/mag\/?p=12783"},"modified":"2026-01-05T17:42:29","modified_gmt":"2026-01-05T16:42:29","slug":"etablissement-de-paiement-un-statut-reglemente","status":"publish","type":"post","link":"https:\/\/app.ipaidthat.io\/mag\/entrepreneur\/etablissement-de-paiement-un-statut-reglemente\/","title":{"rendered":"\u00c9tablissement de paiement\u00a0: un statut r\u00e9glement\u00e9"},"content":{"rendered":"\n<p>Le principe d\u2019<em><strong><a href=\"https:\/\/evenements.bpifrance.fr\/big-2021\/fr\/session\/6c14b4b9-f3d4-eb11-94b3-000d3a21a507\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Open banking<\/a><\/strong> <\/em>voulu par la directive europ\u00e9enne&nbsp;DSP2 a profond\u00e9ment redessin\u00e9 le paysage du secteur des paiements en France. Aux c\u00f4t\u00e9s des banques commerciales ou mutualistes traditionnelles \u00e9mergent des entreprises financi\u00e8res qui proposent des services de paiement innovants.&nbsp;<\/p>\n\n\n\n<p>Pour exercer leur activit\u00e9 de prestataire de services de paiement (PSP), ces soci\u00e9t\u00e9s ont besoin de d\u00e9crocher le statut d\u2019\u00e9tablissement de paiement aupr\u00e8s de l\u2019ACPR. Comment&nbsp;?<\/p>\n\n\n\n<p>D\u00e9couvrez la proc\u00e9dure d\u2019obtention de l\u2019agr\u00e9ment, l\u2019identit\u00e9 de ces entreprises, leurs obligations et les services de paiements qu\u2019elles proposent. Dans cet article, vous trouverez aussi les autres types de PSP existantes, de mani\u00e8re \u00e0 bien les diff\u00e9rencier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un \u00e9tablissement de paiement&nbsp;?<\/h2>\n\n\n\n<p>L\u2019\u00e9tablissement de paiement au sens du <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006140118\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Code mon\u00e9taire e<\/a><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006140118\/\" target=\"_blank\" rel=\"noreferrer noopener\">t financier<\/a> est un prestataire de services de paiement. Juridiquement, il s\u2019agit d\u2019une personne morale autre qu\u2019un \u00e9tablissement de cr\u00e9dit, la Banque de France, l\u2019Institut d\u2019\u00e9mission des d\u00e9partements d\u2019outre-mer, le Tr\u00e9sor public ou la Caisse des D\u00e9p\u00f4ts et Consignations.<\/p>\n\n\n\n<p>Son activit\u00e9 consiste en la prestation de <strong>services de paiement<\/strong> \u00e0 ses clients \u00e0 titre habituel. Pour accomplir sa mission en toute l\u00e9galit\u00e9, un \u00e9tablissement de paiement est soumis \u00e0 l\u2019obtention d&rsquo;un agr\u00e9ment d\u00e9livr\u00e9 par l\u2019ACPR. Il s&rsquo;agit de l&rsquo;autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution qui se charge de remettre cette autorisation.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u2019obtention de l\u2019agr\u00e9ment de l\u2019ACPR<\/h2>\n\n\n\n<p>Toute entreprise qui souhaite obtenir un agr\u00e9ment aupr\u00e8s de l\u2019ACPR doit prendre contact avec le secr\u00e9tariat de la Direction des autorisations pour soumettre son projet. Puis, elle remplit un <strong>dossier de candidature<\/strong> qui comporte diff\u00e9rentes parties et dont l\u2019objectif est d\u2019assurer la <strong>fiabilit\u00e9 de la structure<\/strong>. Voici quelques pr\u00e9requis :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La pr\u00e9sentation de l\u2019entit\u00e9 mentionne son identit\u00e9, son capital social, la structure du groupe et son actionnariat.<\/li>\n\n\n\n<li>L\u2019\u00e9tablissement indique aussi les services de paiement et les services connexes fournis.<\/li>\n\n\n\n<li>Il produit un plan d\u2019affaires avec une \u00e9tude de march\u00e9 et un pr\u00e9visionnel sur les 3&nbsp;premiers exercices.<\/li>\n\n\n\n<li>En fonction des services choisis, l\u2019entreprise justifie d\u2019un minimum de capital initial. Par exemple, pour la mise en place d\u2019un service d\u2019initiation de paiement, elle dispose obligatoirement de 50&nbsp;000&nbsp;\u20ac au d\u00e9part.<\/li>\n\n\n\n<li>Elle indique aussi sa m\u00e9thode de protection des fonds collect\u00e9s et apporte des informations sur son assurance responsabilit\u00e9 civile professionnelle.<\/li>\n\n\n\n<li>L\u2019entreprise pr\u00e9sente ses m\u00e9canismes de contr\u00f4le interne, ses syst\u00e8mes de s\u00e9curit\u00e9 et d\u2019acc\u00e8s aux donn\u00e9es sensibles.<\/li>\n<\/ul>\n\n\n\n<p>Ainsi, l&rsquo;ensemble de ces \u00e9l\u00e9ments permettra aux instances de l\u2019ACPR d\u2019instruire la demande dans un d\u00e9lai de 3&nbsp;mois.<\/p>\n\n\n\n<p>La proc\u00e9dure est stricte et si l\u2019\u00e9tablissement de paiement envisage de d\u00e9velopper son activit\u00e9 \u00e0 travers de nouveaux services, une autorisation d\u2019<strong>extension d\u2019agr\u00e9ment <\/strong>sera alors obligatoire. N\u00e9anmoins, quand le montant des op\u00e9rations de paiement ne d\u00e9passe pas 3&nbsp;millions d\u2019euros par mois, l&rsquo;entreprise b\u00e9n\u00e9ficie d\u2019un <strong>agr\u00e9ment simplifi\u00e9<\/strong>.<\/p>\n\n\n\n<p>Dans de rares cas, l\u2019entit\u00e9 peut obtenir une <strong>exemption d\u2019agr\u00e9ment<\/strong> de la part de l\u2019ACPR. Pour cette situation, les moyens de paiement utilis\u00e9s pour l\u2019acquisition de biens ou services sont accept\u00e9s de mani\u00e8re limit\u00e9e&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>dans les locaux de l\u2019entreprise ou au sein d\u2019un r\u00e9seau restreint de personnes&nbsp;;<\/li>\n\n\n\n<li>pour des biens ou services sp\u00e9cifiques.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qui sont les \u00e9tablissements de paiement&nbsp;?<\/h2>\n\n\n\n<p>Depuis la premi\u00e8re directive europ\u00e9enne&nbsp;DSP1 en 2009, le march\u00e9 des moyens de paiement s\u2019est ouvert \u00e0 des entreprises hors du secteur bancaire. Ainsi, aux c\u00f4t\u00e9s des acteurs traditionnels, telle la banque, gravitent des soci\u00e9t\u00e9s financi\u00e8res. Cette <strong>diversification<\/strong> vise \u00e0 introduire une concurrence positive sur les prix et les services rendus.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les banques<\/h3>\n\n\n\n<p>Les banques traditionnelles et les banques en ligne sont par d\u00e9finition des \u00e9tablissements de paiement. Elles poss\u00e8dent \u00e9galement le statut d\u2019<strong>\u00e9tablissement de cr\u00e9dit, <\/strong>et \u00e0 ce titre, sont habilit\u00e9es \u00e0 pr\u00eater de l\u2019argent. Elles proposent par exemple \u00e0 leur client des produits d\u2019\u00e9pargne ou de l\u2019investissement en bourse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les FinTechs<\/h3>\n\n\n\n<p>Issu de la contraction entre \u00ab&nbsp;finance&nbsp;\u00bb et \u00ab&nbsp;technologie&nbsp;\u00bb, le terme \u00ab&nbsp;<a href=\"https:\/\/ipaidthat.io\/mag\/featured\/connaissez-vous-vraiment-les-fintechs\/\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech&nbsp;<\/a>\u00bb d\u00e9signe des <strong>entreprises innovantes<\/strong> qui utilisent des technologies du num\u00e9rique, du mobile ou de l\u2019intelligence artificielle pour cr\u00e9er des services financiers.<\/p>\n\n\n\n<p>Celles-ci sollicitent l\u2019agr\u00e9ment d\u2019\u00e9tablissement de paiement afin de proposer des solutions de transactions aux autres entreprises (business-to-business) ou aux consommateurs (business-to-consumers).<\/p>\n\n\n\n<p>La directive europ\u00e9enne&nbsp;<a href=\"https:\/\/ipaidthat.io\/mag\/entrepreneur\/dsp2-quels-sont-les-impacts-de-la-norme-europeenne-pour-les-banques\/\" target=\"_blank\" rel=\"noreferrer noopener\">DSP2<\/a> r\u00e9gule et cadre leurs activit\u00e9s, tout en contraignant les banques \u00e0 partager leurs informations avec les FinTechs.<\/p>\n\n\n\n<p>Pour v\u00e9rifier le type de licence d\u00e9livr\u00e9e \u00e0 une entreprise, vous pouvez vous r\u00e9f\u00e9rer au <a href=\"https:\/\/www.regafi.fr\/spip.php?rubrique1\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">registre de la Banque de France<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les obligations des \u00e9tablissements de paiement<\/h2>\n\n\n\n<p>Pour obtenir l\u2019agr\u00e9ment ou poursuivre leur activit\u00e9, les \u00e9tablissements de paiements doivent se conformer \u00e0 certaines exigences l\u00e9gales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Capital initial requis<\/h3>\n\n\n\n<p>L\u2019<strong>arr\u00eat\u00e9 du 29&nbsp;octobre&nbsp;2009 <\/strong>sur la r\u00e9glementation prudentielle et le <strong>Code mon\u00e9taire et financier<\/strong> fixent le capital minimum requis en fonction du type de service exploit\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-background\" style=\"background-color:#ffe6e6\"><tbody><tr><td><strong>Cat\u00e9gories d\u2019\u00e9tablissement de paiement<\/strong><\/td><td><strong>Capital initial requis<\/strong><\/td><\/tr><tr><td>Service de transmission de fonds<\/td><td>20&nbsp;000&nbsp;\u20ac<\/td><\/tr><tr><td>Service d\u2019initiation de paiement<\/td><td>50&nbsp;000&nbsp;\u20ac<\/td><\/tr><tr><td>Services de versement ou de retrait d\u2019esp\u00e8ces, d\u2019ex\u00e9cution d\u2019op\u00e9rations de paiement<\/td><td>125&nbsp;000&nbsp;\u20ac<\/td><\/tr><tr><td>\u00c9tablissement de paiement \u00e0 agr\u00e9ment simplifi\u00e9<\/td><td>40&nbsp;000&nbsp;\u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>Tableau r\u00e9capitulatif<\/em><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Exigences en fonds propres prudentiels<\/h3>\n\n\n\n<p>Ce m\u00eame arr\u00eat\u00e9 impose aux \u00e9tablissements de paiement de calculer et de respecter un niveau de fonds propres selon 3&nbsp;m\u00e9thodes (A, B ou C). \u00c0 titre d\u2019exemple, la m\u00e9thode A d\u00e9termine le montant des fonds propres \u00e0 10&nbsp;% ou plus des frais g\u00e9n\u00e9raux fixes de l\u2019exercice pr\u00e9c\u00e9dent.<\/p>\n\n\n\n<p>L\u2019objectif est de garantir la <strong>stabilit\u00e9<\/strong> de l\u2019entreprise et de <strong>prot\u00e9ger les clients<\/strong>. La soci\u00e9t\u00e9 doit \u00eatre capable d\u2019absorber des pertes et d\u2019assurer la continuit\u00e9 de ses activit\u00e9s.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lutte contre le blanchiment de capitaux et le financement du terrorisme<\/h3>\n\n\n\n<p>Les \u00e9tablissements de paiement sont soumis au dispositif de lutte contre le blanchiment de capitaux et le financement du terrorisme. Gr\u00e2ce \u00e0 leurs m\u00e9canismes de contr\u00f4le interne, ils doivent pouvoir d\u00e9tecter efficacement les fraudes.<\/p>\n\n\n\n<p>Ces \u00e9tablissements sont tenus de d\u00e9clarer \u00e0 Tracfin le moindre soup\u00e7on relatif \u00e0 une somme ou \u00e0 une op\u00e9ration. S\u2019ils pensent avoir affaire \u00e0 une infraction ou au financement d&rsquo;activit\u00e9s terroristes, la peine encourue peut \u00eatre d&rsquo;un an d&#8217;emprisonnement ou plus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Renforcement du syst\u00e8me de s\u00e9curit\u00e9&nbsp;<\/h3>\n\n\n\n<p>Pour augmenter la s\u00e9curit\u00e9 des consommateurs, la <strong>directive&nbsp;DSP2 <\/strong>a introduit le syst\u00e8me de l\u2019<strong>authentification forte<\/strong> qui n\u00e9cessite 2&nbsp;preuves d\u2019identit\u00e9 dans le cadre d&rsquo;une validation de transaction. Cette mesure prot\u00e8ge \u00e9galement l\u2019acc\u00e8s aux donn\u00e9es sensibles et r\u00e9glemente la conservation des informations de paiement.<\/p>\n\n\n\n<p>L\u2019ensemble des PSP, ou <em>Payment Service Provider<\/em>, est oblig\u00e9 de se conformer \u00e0 ces exigences s\u00e9curitaires.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les services des \u00e9tablissements de paiement<\/h2>\n\n\n\n<p>L\u2019<strong>article&nbsp;L314-1 du Code mon\u00e9taire et financier <\/strong>d\u00e9finit la liste des services de paiement des \u00e9tablissements&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la gestion d\u2019un compte de paiement&nbsp;;<\/li>\n\n\n\n<li>le versement ou le retrait d\u2019esp\u00e8ces sur un compte de paiement&nbsp;;<\/li>\n\n\n\n<li>l\u2019ex\u00e9cution d\u2019op\u00e9rations de paiement associ\u00e9e \u00e0 un compte (paiement par carte, <a href=\"https:\/\/ipaidthat.io\/mag\/entrepreneur\/le-paiement-par-virement-7-questions-pour-tout-savoir\/\" target=\"_blank\" rel=\"noreferrer noopener\">virements<\/a> et pr\u00e9l\u00e8vements)&nbsp;;<\/li>\n\n\n\n<li>la transmission de fonds&nbsp;;<\/li>\n\n\n\n<li>l\u2019\u00e9mission d\u2019instruments de paiement&nbsp;;<\/li>\n\n\n\n<li>les <a href=\"https:\/\/ipaidthat.io\/fr\/paiement?utm_medium=blog&amp;utm_source=articles&amp;utm_campaign=mag&amp;utm_term=feature-paiement\">services d\u2019initiation de paiement<\/a> et d\u2019informations sur les comptes.<\/li>\n<\/ul>\n\n\n\n<p>Parall\u00e8lement, les \u00e9tablissements de paiement sont autoris\u00e9s \u00e0 fournir des services connexes comme le change scriptural, les services de garde, l\u2019enregistrement et le traitement des donn\u00e9es clients, ainsi que la garantie d\u2019ex\u00e9cution des transactions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les crit\u00e8res de s\u00e9lection de son prestataire de services de paiement<\/h2>\n\n\n\n<p>Comme vous avez pu le constater, la profession d\u2019\u00e9tablissement de paiement est strictement r\u00e9glement\u00e9e. Quel que soit le PSP choisi, la loi vous prot\u00e8ge dans votre relation avec cette entreprise.&nbsp;<\/p>\n\n\n\n<p>Pour s\u00e9lectionner le prestataire qui vous convient, il faut forc\u00e9ment se poser les bonnes questions. Quelques crit\u00e8res sont \u00e0 consid\u00e9rer en priorit\u00e9.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019<strong>\u00e9ventail des services propos\u00e9s&nbsp;<\/strong>: il doit \u00eatre en ad\u00e9quation avec vos besoins. Privil\u00e9giez un \u00e9tablissement de paiement qui g\u00e8re tous les moyens de paiement, efficace \u00e0 l\u2019\u00e9chelon national, mais aussi au niveau europ\u00e9en et international. Cela vous laisse toute la latitude pour \u00e9tendre votre activit\u00e9.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le <strong>niveau tarifaire<\/strong>&nbsp;: comparez les diff\u00e9rentes formules, les services inclus et en option.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La <strong>s\u00e9curit\u00e9&nbsp;<\/strong>: le prestataire dispose-t-il de moyens de s\u00e9curisation compl\u00e8te de vos donn\u00e9es bancaires et personnelles&nbsp;comme le syst\u00e8me de l\u2019authentification forte&nbsp;?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le <strong>support offert<\/strong> et les m\u00e9thodes d\u2019assistance&nbsp;: comment pouvez-vous joindre votre PSP&nbsp;et \u00e0 quel moment&nbsp;? Quels sont les canaux mis \u00e0 votre disposition&nbsp;? T\u00e9l\u00e9phone, email, chatbot\u2026<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Les autres prestataires de services de paiement<\/h2>\n\n\n\n<p>Parmi les prestataires de paiement, il existe d\u2019autres statuts que celui d\u2019\u00e9tablissement de paiement.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les \u00e9tablissements de monnaie \u00e9lectronique<\/h3>\n\n\n\n<p>Les \u00e9tablissements de monnaie \u00e9lectronique \u00e9mettent et g\u00e8rent, \u00e0 titre habituel, une <strong>valeur mon\u00e9taire stock\u00e9e au format \u00e9lectronique<\/strong>. La somme d\u2019argent n\u2019est pas li\u00e9e \u00e0 un compte bancaire. Les supports les plus courants sont les mobiles, les porte-monnaie \u00e9lectroniques ou encore les cartes cadeaux des enseignes commerciales et les cartes bancaires pr\u00e9pay\u00e9es.<\/p>\n\n\n\n<p>Ces prestataires sont apparus avec la<strong> directive europ\u00e9enne&nbsp;DME2<\/strong>. Ils sont tenus d\u2019obtenir un agr\u00e9ment aupr\u00e8s de l\u2019ACPR et de d\u00e9tenir un capital initial de 350&nbsp;000&nbsp;\u20ac.&nbsp;<\/p>\n\n\n\n<p>Ils apportent une alternative aux formes traditionnelles de paiement et facilitent certaines transactions pour les commer\u00e7ants.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les \u00e9tablissements de cr\u00e9dit<\/h3>\n\n\n\n<p>Un \u00e9tablissement de cr\u00e9dit est une soci\u00e9t\u00e9 financi\u00e8re autoris\u00e9e \u00e0 effectuer toutes les op\u00e9rations bancaires y compris&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019<strong>octroi de cr\u00e9dit <\/strong>pour les particuliers et les professionnels&nbsp;;<\/li>\n\n\n\n<li>le <strong>recueil de fonds remboursables<\/strong> au public par le biais des comptes de d\u00e9p\u00f4ts et d\u2019\u00e9pargne&nbsp;;<\/li>\n\n\n\n<li>la fourniture de moyens de paiement (ch\u00e8que, carte, virement, esp\u00e8ces, etc.).<\/li>\n<\/ul>\n\n\n\n<p>Les banques b\u00e9n\u00e9ficient pleinement de l\u2019ensemble de ces pr\u00e9rogatives, quelle que soit leur forme juridique (banque commerciale ou mutualiste). Les Caisses de cr\u00e9dit municipales sont des \u00e9tablissements publics qui disposent en plus du monopole du pr\u00eat sur gages.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les prestataires de services d\u2019information sur les comptes<\/h3>\n\n\n\n<p>Les prestataires de services d\u2019information sur les comptes ont \u00e9t\u00e9 introduits par la directive europ\u00e9enne&nbsp;DSP2. On les appelle \u00e9galement agr\u00e9gateurs de comptes puisqu\u2019ils <strong>centralisent les informations des diff\u00e9rents comptes bancaires <\/strong>d\u00e9tenus par un client.&nbsp;<\/p>\n\n\n\n<p>Les utilisateurs suivent leurs soldes et op\u00e9rations bancaires au moyen d\u2019une seule interface internet ou mobile.<\/p>\n\n\n\n<p>En pratique, ces entreprises doivent s\u2019enregistrer aupr\u00e8s de l\u2019ACPR pour pouvoir exercer leur activit\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">iPaidThat, un logiciel du secteur FinTech accr\u00e9dit\u00e9 par l\u2019APCR !<\/h2>\n\n\n\n<p>Gr\u00e2ce au d\u00e9veloppement de son propre module de paiement, iPaidThat vous offre d\u00e8s aujourd&rsquo;hui la possibilit\u00e9 de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ma\u00eetriser et centraliser vos d\u00e9penses <strong>depuis une seule plateforme<\/strong> ;<\/li>\n\n\n\n<li>R\u00e9cup\u00e9rer vos factures gr\u00e2ce \u00e0 l&rsquo;intelligence artificielle de mani\u00e8re automatique ;<\/li>\n\n\n\n<li><strong>R\u00e9gler vos factures d\u2019achats<\/strong> en un clin d&rsquo;\u0153il pour n&rsquo;avoir plus qu&rsquo;\u00e0 se concentrer sur l&rsquo;essentiel ;<\/li>\n\n\n\n<li><strong>Radier le retard<\/strong> de paiement de votre quotidien d&rsquo;entrepreneur ;<\/li>\n\n\n\n<li>B\u00e9n\u00e9ficier d&rsquo;un rapprochement bancaire automatis\u00e9 pour g\u00e9rer avec plus sereinement vos paiements ;<\/li>\n\n\n\n<li>Collaborer avec vos \u00e9quipes et attribuer des autorisations de paiement facilement <\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\">Pour payer, rien de plus simple \u2192 Rechargez votre portefeuille client, initiez un paiement, puis suivez le statut de votre op\u00e9ration.<\/p>\n\n\n<style>.elementor-17539 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href=\"https:\/\/app.ipaidthat.io\/signup?utm_source=blog&#038;utm_medium=article&#038;utm_campaign=blog_article&#038;utm_content=signup\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je teste gratuitement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Le principe d\u2019Open banking voulu par la directive europ\u00e9enne&nbsp;DSP2 a profond\u00e9ment redessin\u00e9 le paysage du secteur des paiements en France. Aux c\u00f4t\u00e9s des banques commerciales ou mutualistes traditionnelles \u00e9mergent des entreprises financi\u00e8res qui proposent des services de paiement innovants.&nbsp; Pour exercer leur activit\u00e9 de prestataire de services de paiement (PSP), ces soci\u00e9t\u00e9s ont besoin de [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":18812,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-12783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entrepreneur"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00c9tablissement de paiement\u00a0: un statut r\u00e9glement\u00e9 %<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez le statut r\u00e9glement\u00e9 d\u2019\u00e9tablissement de paiement : 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