{"id":1637,"date":"2023-12-20T18:42:13","date_gmt":"2023-12-20T17:42:13","guid":{"rendered":"https:\/\/pyxans.com\/?p=1637"},"modified":"2023-12-20T18:50:36","modified_gmt":"2023-12-20T17:50:36","slug":"comment-les-marketplaces-peuvent-elles-optimiser-leur-conformite","status":"publish","type":"post","link":"https:\/\/pyxans.com\/index.php\/2023\/12\/20\/comment-les-marketplaces-peuvent-elles-optimiser-leur-conformite\/","title":{"rendered":"Comment les Marketplaces peuvent-elles optimiser leur conformit\u00e9"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1637\" class=\"elementor elementor-1637\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d93906b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d93906b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cb7a8c\" data-id=\"1cb7a8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01eba98 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"01eba98\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Comment les marketplaces peuvent optimiser leur conformit\u00e9 en mati\u00e8re de paiement<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1f4172 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1f4172\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8186199\" data-id=\"8186199\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9e30b6 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a9e30b6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Les marketplaces jouent un r\u00f4le crucial dans l&#8217;\u00e9conomie num\u00e9rique, mais elles sont confront\u00e9es \u00e0 des d\u00e9fis sp\u00e9cifiques en mati\u00e8re de conformit\u00e9 des paiements.&nbsp;<\/p>\n<p>Pour naviguer dans cet environnement complexe, elles peuvent compter sur plusieurs leviers :<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4da3325\" data-id=\"4da3325\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4037571 elementor-widget elementor-widget-image\" data-id=\"4037571\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.11.0 - 13-02-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1001\" height=\"665\" src=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace.png\" class=\"attachment-large size-large wp-image-1639\" alt=\"\" srcset=\"https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace.png 1001w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace-300x199.png 300w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace-768x510.png 768w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace-220x146.png 220w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace-50x33.png 50w, https:\/\/pyxans.com\/wp-content\/uploads\/2023\/12\/Marketplace-113x75.png 113w\" sizes=\"auto, (max-width: 1001px) 100vw, 1001px\" \/>\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34f42a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34f42a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28db4c0\" data-id=\"28db4c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1ed886 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f1ed886\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprendre la R\u00e9glementation Applicable<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b971ae elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"4b971ae\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><em><b>\u21d2\u00a0 Se familiariser avec la r\u00e9glementation relatives aux monopoles financiers notamment le monopole bancaire et le monopole des prestataires de services d\u2019investissement<\/b><\/em><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f69bc5a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f69bc5a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>FOCUS:<\/b><\/p><ol><li><p><b>Encaissement pour Compte de Tiers :\u00a0<\/b><b><\/b><b><\/b><\/p><p><span style=\"letter-spacing: 0px;\">Cette pratique implique de g\u00e9rer les fonds des clients avant leur transfert aux vendeurs. Les marketplaces doivent s&#8217;assurer qu&#8217;elles respectent les r\u00e9glementations sp\u00e9cifiques \u00e0 cette activit\u00e9, souvent consid\u00e9r\u00e9e comme relevant des services de paiement et n\u00e9cessitant une licence appropri\u00e9e.<\/span><\/p><\/li><li><p><span style=\"letter-spacing: 0px;\"><b>Paiement Fractionn\u00e9 : <\/b><\/span><\/p><p><span style=\"letter-spacing: 0px;\">Le paiement fractionn\u00e9, ou paiement \u00e9chelonn\u00e9, requiert une attention juridique accrue, car il peut impliquer des aspects de cr\u00e9dit. Les marketplaces doivent s&#8217;assurer de la conformit\u00e9 avec les r\u00e9glementations sur le cr\u00e9dit \u00e0 la consommation et les services de paiement.<\/span><\/p><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680244a elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"680244a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f16b668 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f16b668\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"font-family: Prompt, sans-serif; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 300; letter-spacing: 0px;\"><strong><em>\u21d2\u00a0 <\/em><\/strong><\/span><strong><em>Pratiquer une veille r\u00e9glementaire continue<\/em><\/strong><\/p><p>Plusieurs r\u00e9glementations importantes r\u00e9gissent les marketplaces, il est primordial de rester inform\u00e9s des \u00e9volutions r\u00e9glementaires pour anticiper et s&#8217;adapter aux changements en temps et en heure.<\/p><p>Les infractions aux monopoles financiers sont s\u00e9v\u00e8rement r\u00e9primand\u00e9es (cr\u00e9dit \u2013 paiement).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16104e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16104e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3aa4062\" data-id=\"3aa4062\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f0b0e2 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5f0b0e2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><b>Restez inform\u00e9s des derni\u00e8res actualit\u00e9s :<\/b><\/p>\n<p style=\"text-align: center;\"><b>suivez nous sur les r\u00e9seaux !<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e42ef00 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e42ef00\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.linkedin.com\/login\/fr?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Fpyxans&#038;fromSignIn=true&#038;trk=top-card_top-card-secondary-button-top-card-secondary-cta\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Pyxans<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f625197\" data-id=\"f625197\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-811ceae elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"811ceae\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><b>Lisez notre article sur la DPS 3<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9979d9e elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9979d9e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2023\/12\/06\/paquet-legislatif-dsp-3-impacts-et-opportunites-pour-les-fintechs\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-readme\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Blog<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-490c3e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"490c3e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71edae3\" data-id=\"71edae3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6936f3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a6936f3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclure des partenariats strat\u00e9giques<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3273a98 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3273a98\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La collaboration avec des prestataires ext\u00e9rieurs, en particulier des prestataires de services de paiement (PSP), peut \u00eatre une sources de difficult\u00e9s et doit \u00eatre faire l&#8217;objet d&#8217;une vigilance particuli\u00e8re.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437a6b3 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"437a6b3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><p><b><span style=\"letter-spacing: 0px;\">V\u00e9rifier l\u2019\u00e9tendue de leur agr\u00e9ment :<\/span><\/b><\/p><p><span style=\"letter-spacing: 0px;\">Si vos partenaires exerce une activit\u00e9 r\u00e9glement\u00e9e n\u00e9cessitant un agr\u00e9ment, v\u00e9rifiez l&#8217;existence et l&#8217;\u00e9tendue de cet agr\u00e9ment.\u00a0<br \/><\/span><span style=\"letter-spacing: 0px;\"><br \/><i>Exemple : les PSP ne sont pas syst\u00e9matiquement autoris\u00e9s \u00e0 fournir l\u2019ensemble des services de paiement. Si l\u2019un des services dont vous avez besoin ne figure pas sur sa grille d\u2019agr\u00e9ment, votre PSP devra demander une extension d\u2019agr\u00e9ment avant d\u2019\u00eatre int\u00e9gr\u00e9 \u00e0 votre parcours client. Certains PSP, comme les fournisseurs d\u2019informations sur les comptes, devront m\u00eame faire une nouvelle demande d\u2019agr\u00e9ment.<\/i><\/span><\/p><\/li><li><p><b>V\u00e9rifier leur autorisation \u00e0 agir sur le territoire national\u00a0:<\/b><\/p><p><span style=\"letter-spacing: 0px;\">Si votre PSP n\u2019est pas agr\u00e9\u00e9 en France, il peut fournir des services de paiement sur le territoire national, \u00e0 condition d\u2019avoir obtenu un agr\u00e9ment dans un pays de l\u2019UE et d\u2019\u00eatre r\u00e9guli\u00e8rement passeport\u00e9 en France.<\/span><\/p><\/li><li><p><b>V\u00e9rifier la bonne r\u00e9putation de vos partenaires : <br \/><\/b><b><\/b><\/p><p><b><\/b>Si vos partenaires sont des acteurs r\u00e9glement\u00e9s et donc supervis\u00e9s par un r\u00e9gulateur fran\u00e7ais, assurez-vous r\u00e9guli\u00e8rement qu\u2019il n\u2019a pas fait l\u2019objet de sanctions.<\/p><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51a6020 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"51a6020\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Vous avez un doute sur la fiabilit\u00e9 de l\u2019un de vos partenaire ?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbddacf elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dbddacf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-494c756 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"494c756\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69ff99d\" data-id=\"69ff99d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-398df23 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"398df23\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Etre transparent\u200b<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad19adf elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ad19adf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dans le cadre de la conformit\u00e9 en mati\u00e8re de paiement, les marketplaces doivent prioriser la transparence et la responsabilit\u00e9. Cela implique une communication claire et pr\u00e9cise sur tous les aspects des transactions financi\u00e8res, notamment les frais, les processus de paiement, et la gestion des fonds des utilisateurs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3cf6a8 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d3cf6a8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><p><b><span style=\"letter-spacing: 0px;\"><strong>Transparence en mati\u00e8re de Frais<\/strong> :<\/span><\/b><\/p><p><span style=\"letter-spacing: 0px;\">Les marketplaces doivent s&#8217;assurer que tous les frais associ\u00e9s aux transactions sont clairement indiqu\u00e9s. Cela comprend non seulement les frais de transaction, mais aussi d&#8217;\u00e9ventuels frais suppl\u00e9mentaires tels que les frais de conversion de devise, les frais de service, etc.\u00a0<\/span><\/p><\/li><li><p><b>Transparence en mati\u00e8re de Paiement :<\/b><\/p><p>Les \u00e9tapes du processus de paiement doivent \u00eatre expliqu\u00e9es de mani\u00e8re simple et compr\u00e9hensible pour l&#8217;utilisateur. Cela inclut n\u00e9cessairement des informations en cas de recours \u00e0 un prestataire ext\u00e9rieur, notamment sur le partage de responsabilit\u00e9s (<span style=\"letter-spacing: 0px;\">d\u00e9lais de traitement des transactions, conditions de remboursement, mesures prises en cas d&#8217;\u00e9chec de transaction, etc.).<\/span><\/p><\/li><li><p><b>Responsabilit\u00e9 des Fonds : <br \/><\/b><b><\/b><\/p><p><b><\/b>Les marketplaces doivent mettre en place des m\u00e9canismes rigoureux pour la gestion des fonds des utilisateurs. Cela comprend une s\u00e9curisation des fonds des utilisateurs par le recours \u00e0 des techniques de cantonnement des fonds et\/ou de garanties et assurances.<\/p><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38404e8 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"38404e8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Vous souhaitez assurer une transparence irr\u00e9prochable sur votre plateforme ?<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62e9a31 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"62e9a31\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dcc00b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dcc00b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb0e931\" data-id=\"eb0e931\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82037f6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"82037f6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurer la s\u00e9curit\u00e9 des transactions<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea41fb0 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ea41fb0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La s\u00e9curit\u00e9 des transactions est un pilier fondamental de la conformit\u00e9 en mati\u00e8re de paiement pour les marketplaces et est un point de vigilance de la Banque de France. Adopter des mesures robustes pour s\u00e9curiser chaque transaction est essentiel pour pr\u00e9venir la fraude et prot\u00e9ger les donn\u00e9es des utilisateurs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a460dc elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"8a460dc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><p><b><span style=\"letter-spacing: 0px;\">Authentification Forte :<\/span><\/b><\/p><p>Impl\u00e9menter des protocoles d&#8217;authentification forte pour toutes les transactions est crucial. Cela peut inclure l&#8217;utilisation de l&#8217;authentification \u00e0 deux facteurs (2FA), des v\u00e9rifications biom\u00e9triques, ou des codes de s\u00e9curit\u00e9 envoy\u00e9s par SMS. Ces mesures assurent que l&#8217;utilisateur effectuant la transaction est bien le d\u00e9tenteur l\u00e9gitime du compte ou du moyen de paiement utilis\u00e9.<\/p><\/li><li><p><b>Mesures Anti-Fraude :<\/b><\/p><p>Les marketplaces doivent int\u00e9grer des syst\u00e8mes avanc\u00e9s de d\u00e9tection et de pr\u00e9vention de la fraude. Ces syst\u00e8mes peuvent inclure des logiciels de surveillance des transactions en temps r\u00e9el, des algorithmes de d\u00e9tection des activit\u00e9s suspectes, et des protocoles de v\u00e9rification des identit\u00e9s des vendeurs et des acheteurs.<\/p><\/li><li><p><b>Protection des Donn\u00e9es : <br \/><\/b><b><\/b><\/p><p><b><\/b>Assurer la confidentialit\u00e9 et la s\u00e9curit\u00e9 des donn\u00e9es personnelles et financi\u00e8res des utilisateurs est imp\u00e9ratif. Cela n\u00e9cessite des technologies de cryptage avanc\u00e9es, des politiques de confidentialit\u00e9 strictes, et une conformit\u00e9 aux r\u00e9glementations sur la protection des donn\u00e9es telles que le RGPD.<\/p><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-845a61c elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"845a61c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Besoin de renforcer la s\u00e9curit\u00e9 de vos transactions ?\u00a0<\/strong><\/p><p><strong>Pyxans est l\u00e0 pour vous aider avec des solutions sur mesure !<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb5f56 elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"bdb5f56\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/pyxans.com\/index.php\/contact\/\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\" id=\"bouton_classic\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a706b71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a706b71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b9f780\" data-id=\"8b9f780\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-224e6a1 animated-fast elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"224e6a1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a566336 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a566336\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>En adoptant ces strat\u00e9gies, les marketplaces peuvent non seulement respecter les exigences r\u00e9glementaires, mais aussi renforcer la confiance des utilisateurs et soutenir leur croissance.<\/p><p>La compr\u00e9hension et le respect de ces qualifications juridiques sont essentiels pour maintenir la conformit\u00e9 r\u00e9glementaire et la confiance des utilisateurs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29b01479 elementor-section-full_width elementor-section-content-top elementor-section-height-default elementor-section-height-default\" data-id=\"29b01479\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6075f510\" data-id=\"6075f510\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1455fcfa elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1455fcfa\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Articles \u00e0 la une<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-25ea3d27 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"25ea3d27\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ef3ea7a\" data-id=\"4ef3ea7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-690f06ed elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"690f06ed\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/pyxans.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1667 post type-post status-publish format-standard hentry category-marketplace category-services-de-paiement tag-conformite tag-dsp3 tag-marketplace tag-paiement\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/pyxans.com\/index.php\/2024\/04\/03\/marketplaces-et-encaissement-pour-compte-de-tiers-comprendre-les-enjeux-juridiques-et-reglementaires\/\" >\n\t\t\t\tMarketplaces et Encaissement pour Compte de Tiers : Comprendre les Enjeux Juridiques et R\u00e9glementaires\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/pyxans.com\/index.php\/2024\/04\/03\/marketplaces-et-encaissement-pour-compte-de-tiers-comprendre-les-enjeux-juridiques-et-reglementaires\/\" aria-label=\"Read more about Marketplaces et Encaissement pour Compte de Tiers : Comprendre les Enjeux Juridiques et R\u00e9glementaires\" >\n\t\t\tPlus\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f11017d\" data-id=\"6f11017d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69764233 elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"69764233\" data-element_type=\"widget\" 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des<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36,26],"tags":[38,30,39,37,35],"class_list":["post-1637","post","type-post","status-publish","format-standard","hentry","category-marketplace","category-services-de-paiement","tag-conformite","tag-dsp3","tag-externalisation","tag-marketplace","tag-paiement"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/comments?post=1637"}],"version-history":[{"count":28,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1637\/revisions"}],"predecessor-version":[{"id":1666,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/posts\/1637\/revisions\/1666"}],"wp:attachment":[{"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/media?parent=1637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/categories?post=1637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pyxans.com\/index.php\/wp-json\/wp\/v2\/tags?post=1637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}