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",[314,315,316],"strong",{},"mouvement bancaire"," (enregistrement d'un flux d'argent : un virement reçu, un paiement carte, un remboursement, un reversement vendeur… C'est l'objet pivot entre la banque et les factures) avec :",[319,320,321,346,352,366],"ul",{},[322,323,324,325,328,329,333,334,337,338,341,342,345],"li",{},"un ",[314,326,327],{},"type"," : ",[330,331,332],"code",{},"IN"," (argent qui entre), ",[330,335,336],{},"OUT"," (argent qui sort), ",[330,339,340],{},"INTERNAL"," (mouvement interne plateforme), ",[330,343,344],{},"TRANSFER"," ;",[322,347,324,348,351],{},[314,349,350],{},"montant",", une devise, une date ;",[322,353,354,355,358,359,362,363,345],{},"la ",[314,356,357],{},"communication"," (",[330,360,361],{},"remittanceInformation",") : le texte du virement, idéalement la référence structurée ",[330,364,365],{},"XXX\u002FXXXX\u002FXXXXX",[322,367,324,368,371],{},[314,369,370],{},"statut"," qui suit son traitement.",[302,373,374],{},"Le cycle d'un paiement entrant :",[376,377,382],"pre",{"className":378,"code":379,"language":380,"meta":381,"style":381},"language-mermaid shiki shiki-themes material-theme-lighter material-theme material-theme-palenight","flowchart LR\n  a[\"NEW\"] --> b[\"LINKED\"]\n  b --> c[\"MATCHED\"]\n  c --> d[\"SETTLED\"]\n","mermaid","",[330,383,384,392,398,404],{"__ignoreMap":381},[385,386,389],"span",{"class":387,"line":388},"line",1,[385,390,391],{},"flowchart LR\n",[385,393,395],{"class":387,"line":394},2,[385,396,397],{},"  a[\"NEW\"] --> b[\"LINKED\"]\n",[385,399,401],{"class":387,"line":400},3,[385,402,403],{},"  b --> c[\"MATCHED\"]\n",[385,405,407],{"class":387,"line":406},4,[385,408,409],{},"  c --> d[\"SETTLED\"]\n",[411,412,413,426],"table",{},[414,415,416],"thead",{},[417,418,419,423],"tr",{},[420,421,422],"th",{},"Statut",[420,424,425],{},"Signification",[427,428,429,440,450,460],"tbody",{},[417,430,431,437],{},[432,433,434],"td",{},[314,435,436],{},"NEW",[432,438,439],{},"Le mouvement vient d'être créé (synchronisé depuis Ponto, ou créé par un webhook MangoPay). Personne ne sait encore à quelle facture il correspond.",[417,441,442,447],{},[432,443,444],{},[314,445,446],{},"LINKED",[432,448,449],{},"Un lien provisoire vers une ou plusieurs factures a été posé (objet BankMovementInvoice avec le montant affecté à chaque facture).",[417,451,452,457],{},[432,453,454],{},[314,455,456],{},"AUTO_MATCHED \u002F MANUAL_MATCHED",[432,458,459],{},"Le rapprochement est confirmé : automatiquement (montant + référence + IBAN concordants) ou à la main par un comptable dans l'admin. C'est ce qui déclenche le passage de la facture à PAID.",[417,461,462,467],{},[432,463,464],{},[314,465,466],{},"SETTLED",[432,468,469],{},"Le mouvement est définitivement réconcilié avec la transaction bancaire réelle.",[302,471,472,473,476,477,480,481,484,485,487,488,491,492,495,496,499,500,503,504,495,507,510],{},"Pour les mouvements ",[314,474,475],{},"sortants"," (reversements, remboursements), le cycle est : ",[330,478,479],{},"SUBMITTED"," (préparé) → ",[330,482,483],{},"EXECUTED"," (envoyé à la banque \u002F à MangoPay) → ",[330,486,466],{}," (confirmé) — ou ",[330,489,490],{},"REJECTED"," en cas d'échec. Autres statuts : ",[330,493,494],{},"DRAFT",", ",[330,497,498],{},"IGNORED"," (mouvement volontairement écarté, ex. frais bancaires), ",[330,501,502],{},"SIGNED"," (legacy Ponto), ",[330,505,506],{},"PENDING",[330,508,509],{},"CANCELLED",".",[306,512,514],{"id":513},"le-lettrage-rapprochement-comment-on-marie-paiement-et-facture","Le lettrage \u002F rapprochement : comment on marie paiement et facture",[516,517,519],"tip",{"title":518},"« Lettrage », kézako ?","En comptabilité, « lettrer » c'est relier un paiement à la facture qu'il règle. Sans lettrage, vous avez d'un côté une pile de factures impayées, de l'autre une pile de virements anonymes, et personne ne sait qui a payé quoi. Le système fait ce travail automatiquement quand il le peut, et propose des suggestions sinon.",[302,521,522],{},"L'algorithme de suggestion (« guess ») croise plusieurs critères :",[319,524,525,531,556,562],{},[322,526,527,528,530],{},"le ",[314,529,350],{}," du virement = montant dû de la facture (avec tolérance) ;",[322,532,354,533,536,537,539,540,543,544,547,548,551,552,555],{},[314,534,535],{},"communication structurée"," (la référence ",[330,538,365],{}," est décodée — formats ",[330,541,542],{},"STRUCTURED"," ISO 20022, ",[330,545,546],{},"STRUCTURED_BE"," belge ",[330,549,550],{},"+++xxx\u002Fxxxx\u002Fxxxxx+++",", ou texte libre ",[330,553,554],{},"UNSTRUCTURED"," nettoyé) ;",[322,557,354,558,561],{},[314,559,560],{},"date"," (proche de l'échéance) ;",[322,563,564,565,568],{},"l'",[314,566,567],{},"organisation"," (le payeur correspond à l'acheteur ; côté MangoPay, l'IBAN virtuel crédité identifie directement l'acheteur).",[302,570,571,572,575,576,579,580,579,583,579,586,579,589,579,592,510],{},"Un virement peut couvrir ",[314,573,574],{},"plusieurs factures"," (le cas normal en facturation double : un seul virement règle la SALES et la BUYER_FEES grâce à la référence partagée). Les comptables disposent dans l'admin des actions ",[330,577,578],{},"LINK"," \u002F ",[330,581,582],{},"UNLINK",[330,584,585],{},"MANUAL_MATCH",[330,587,588],{},"AUTO_MATCH",[330,590,591],{},"UNMATCH",[330,593,594],{},"IGNORE",[596,597,599],"h3",{"id":598},"cas-imparfaits","Cas imparfaits",[411,601,602,612],{},[414,603,604],{},[417,605,606,609],{},[420,607,608],{},"Situation",[420,610,611],{},"Ce qui se passe",[427,613,614,625,644,654],{},[417,615,616,622],{},[432,617,618,621],{},[314,619,620],{},"Trop-perçu"," (a payé 1 050 € au lieu de 1 000 €)",[432,623,624],{},"Le rapprochement automatique échoue (montants différents) → traitement manuel ; l'excédent est remboursé via un avoir\u002Fremboursement.",[417,626,627,633],{},[432,628,629,632],{},[314,630,631],{},"Paiement partiel"," (500 € sur 1 000 €)",[432,634,635,636,639,640,643],{},"Le mouvement est lié partiellement : ",[330,637,638],{},"amountPaid"," = 500 €, ",[330,641,642],{},"amountDue"," = 500 € ; la facture n'est pas encore PAID. Relance de l'acheteur.",[417,645,646,651],{},[432,647,648],{},[314,649,650],{},"Pas de référence \u002F référence fausse",[432,652,653],{},"Suggestion par montant + organisation + date ; sinon lettrage manuel.",[417,655,656,661],{},[432,657,658],{},[314,659,660],{},"Jamais payé",[432,662,663,664,667,668,671,672,675,676,679],{},"Après l'échéance : action ",[330,665,666],{},"NO_PAY"," (manuelle ou ",[330,669,670],{},"NO_PAY_AUTO",") → facture et item ",[330,673,674],{},"NOT_PAID",", emails d'impayé, et éventuels frais d'annulation (",[330,677,678],{},"BUYER_CANCELLATION_FEES_NOT_PAID",").",[681,682,684,687,688,691,692,695,696,699,700,703,704,707,708,711,712,715],"collapsible",{"name":683},"les détails techniques",[314,685,686],{},"Fichiers du lettrage."," Liaison : ",[330,689,690],{},"auctelia-models\u002Fsrc\u002Fschemas\u002FBookKeeper\u002FBankMovementInvoice.js"," (mouvement ↔ facture ↔ montant). Suggestions : ",[330,693,694],{},"book-keeper\u002Fsrc\u002Fcontrollers\u002Finvoices\u002Fguess.js"," et ",[330,697,698],{},"book-keeper\u002Fsrc\u002Fcontrollers\u002FbankMovements\u002Fguess.js"," ; contrôle des montants : ",[330,701,702],{},"book-keeper\u002Fsrc\u002Fhelpers\u002FisBankMovementAmountCorrectForInvoice.js"," ; décodage des communications : ",[330,705,706],{},"book-keeper\u002Fsrc\u002Fhelpers\u002FparseRemittanceInformation.js",". Sync bancaire : Ponto (API) pour les comptes du shop. Écrans admin : ",[330,709,710],{},"admin-frontend\u002Fsrc\u002Fpages\u002Fbank-movements\u002F*.vue"," (liste, détail, match-list) et ",[330,713,714],{},"admin-frontend\u002Fsrc\u002Fpages\u002Finvoices\u002F*.vue"," (liste, détail avec mouvements liés\u002Fsuggérés, workflow).",[306,717,719],{"id":718},"les-deux-circuits-dencaissement-en-pratique","Les deux circuits d'encaissement en pratique",[721,722,723,765],"tabs",{},[724,725,727],"tabs-item",{"icon":245,"label":726},"Circuit MangoPay",[728,729,730,741,748,758],"ol",{},[322,731,732,733,736,737,740],{},"L'email de confirmation d'achat contient soit une ",[314,734,735],{},"URL de paiement carte"," (3-D Secure), soit l'",[314,738,739],{},"IBAN virtuel"," personnel de l'acheteur chez MangoPay ;",[322,742,743,744,747],{},"Carte : une ",[314,745,746],{},"PaymentRequest"," (demande de paiement portant les factures et le montant) initie le PayIn ; le rapprochement est immédiat et certain (on sait exactement quelles factures sont payées) ;",[322,749,750,751,754,755,757],{},"Virement : l'acheteur vire sur son IBAN virtuel ; le webhook ",[330,752,753],{},"PAYIN_NORMAL_SUCCEEDED"," crée le mouvement ",[330,756,332],{},", et comme l'IBAN virtuel appartient à un seul acheteur, l'auto-rapprochement est très fiable ;",[322,759,760,761,764],{},"Facture → ",[330,762,763],{},"PAID",", l'argent attend dans le wallet, prêt pour la répartition (chapitre suivant).",[724,766,769],{"icon":767,"label":768},"i-lucide-landmark","Circuit Ponto (virement classique)",[728,770,771,781,788,793],{},[322,772,773,774,777,778,780],{},"L'email de confirmation contient l'",[314,775,776],{},"IBAN du shop"," et la ",[314,779,535],{}," à recopier ;",[322,782,783,784,787],{},"Les mouvements du compte du shop sont synchronisés régulièrement via ",[314,785,786],{},"Ponto"," (agrégateur bancaire) ;",[322,789,790,791,345],{},"Le lettrage (auto ou manuel) marie le virement aux factures → ",[330,792,763],{},[322,794,795,796,798,799,802],{},"Plus tard, le reversement vendeur partira du même compte : mouvements ",[330,797,336],{}," regroupés dans un ",[314,800,801],{},"fichier XML SEPA (Isabel)"," signé par la direction, puis exécutés par la banque.",[804,805,806],"style",{},"html .light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html.light .shiki span {color: var(--shiki-light);background: var(--shiki-light-bg);font-style: var(--shiki-light-font-style);font-weight: var(--shiki-light-font-weight);text-decoration: var(--shiki-light-text-decoration);}html .default .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}html.dark .shiki span {color: var(--shiki-dark);background: var(--shiki-dark-bg);font-style: var(--shiki-dark-font-style);font-weight: var(--shiki-dark-font-weight);text-decoration: var(--shiki-dark-text-decoration);}",{"title":381,"searchDepth":394,"depth":394,"links":808},[809,810,813],{"id":308,"depth":394,"text":309},{"id":513,"depth":394,"text":514,"children":811},[812],{"id":598,"depth":400,"text":599},{"id":718,"depth":394,"text":719},"Mouvements bancaires, lettrage\u002Frapprochement paiement ↔ facture, et les deux circuits d'encaissement.","md",null,{},{"icon":245},{"title":242,"description":814},"o6bWFfJgv8ioScvLX5bSJtzG-dm-q7xwMHUnZ0v9Wcc",[822,824],{"title":237,"path":238,"stem":239,"description":823,"icon":240,"children":-1},"Montants en centimes, formules, les 4 régimes de TVA et le code comptable à 15 caractères.",{"title":247,"path":248,"stem":249,"description":825,"icon":250,"children":-1},"PayIn, Transfer, PayOut — l'argent entre, se répartit, puis sort vers une vraie banque, avec KYC\u002FSCA et webhooks.",1785163544258]