Actualités comptables
Commerçants, distributeurs : les modes de paiement à l’ère du numérique

Commerçants, distributeurs : les modes de paiement à l’ère du numérique

Publiée le mercredi 14 juin 2023 à 00h00 dans Actu Juridique

À l’ère du numérique, les différents modes de paiement évoluent… sans pour autant porter atteinte à la liberté des clients de choisir celui qu’ils souhaitent utiliser. Voici ce qu’il faut connaître à ce sujet en 2023…

Modes de paiement : les attentes des professionnels et des consommateurs

FranceNum vient de relayer une étude intéressante quant aux attentes liées à l’utilisation des différents modes de paiement, tant du point de vue des professionnels que des consommateurs.

S’agissant des professionnels, 2 priorités apparaissent :

  • la sécurité dans le parcours de paiement, notamment face à la menace de la cybercriminalité ;
  • la conformité au règlement général sur la protection des données (RGPD) pour garantir aux clients la protection de leurs données personnelles.

De leur côté, les consommateurs ont comme attente principale la possibilité de bénéficier d’un processus de paiement varié : par exemple, la possibilité de réserver en ligne et de payer en magasin (ou l’inverse).

En outre, 2 alternatives aux modes de paiement « classiques » ont leurs faveurs : le paiement en plusieurs fois et les cartes prépayées.

Sans compter sur la possibilité de payer, dans le futur, via des wallets (portefeuilles numériques)…

Pour finir, notez que le Comité national des moyens de paiement (CNMP) vient de rappeler la liberté de choix dont disposent les utilisateurs concernant les moyens de paiement qu’ils souhaitent utiliser, en tout lieu et en toute circonstance : à titre d’exemple, il rappelle que les espèces doivent être acceptées par les commerçants, tous les jours y compris le dimanche, ainsi que lors des festivals ou des manifestations sportives.

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