{"id":7071,"date":"2025-11-27T10:00:22","date_gmt":"2025-11-27T09:00:22","guid":{"rendered":"https:\/\/yavin.com\/blog\/?p=7071"},"modified":"2025-11-28T14:48:44","modified_gmt":"2025-11-28T13:48:44","slug":"commissions-commercants","status":"publish","type":"post","link":"https:\/\/yavin.com\/blog\/a-la-une\/commissions-commercants\/","title":{"rendered":"Commissions commer\u00e7ants : comprendre et r\u00e9duire vos frais TPE"},"content":{"rendered":"\r\n<p style=\"text-align: justify;\">Accepter la carte bancaire est aujourd&#8217;hui incontournable pour tout commerce. Mais chaque paiement entra\u00eene des commissions commer\u00e7ants, parfois difficile \u00e0 comprendre. Entre l&#8217;interchange, les frais de r\u00e9seau et la marge pr\u00e9lev\u00e9e par la banque, le calcul n&#8217;est pas toujours clair.\u00a0<\/p>\r\n<p style=\"text-align: center;\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" style=\"background-color: #0097c4;\" href=\"https:\/\/21bb.typeform.com\/to\/Ptk3nuXa\/?source=websiteFR-blog\">Contacter un expert paiement Yavin<\/a><\/p>\r\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-23581 size-full\" src=\"https:\/\/yavin.com\/wp-content\/uploads\/2022\/07\/Frame-48096565.png\" alt=\"Commissions commer\u00e7ants\" width=\"984\" height=\"544\" srcset=\"https:\/\/yavin.com\/wp-content\/uploads\/2022\/07\/Frame-48096565.png 984w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/07\/Frame-48096565-300x166.png 300w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/07\/Frame-48096565-768x425.png 768w\" sizes=\"(max-width: 984px) 100vw, 984px\" \/><\/p>\r\n<p>&nbsp;<\/p>\r\n<p style=\"text-align: justify;\">Dans cet article, nous vous expliquons comment sont fix\u00e9s ces frais, les diff\u00e9rences entre les mod\u00e8les de tarification, et surtout comment r\u00e9duire vos commissions TPE gr\u00e2ce \u00e0 des solutions transparentes comme Yavin.\u00a0<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-comprendre-les-commissions-commercants\"><strong>Comprendre les commissions commer\u00e7ants<\/strong><\/h2>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\">Chaque transaction par carte bancaire est compos\u00e9e de trois types de frais :\u00a0<\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>L&#8217;interchange : pr\u00e9lev\u00e9 par la banque \u00e9mettrice de la carte.\u00a0<\/li>\r\n<li>Les frais de r\u00e9seau : factur\u00e9s par Visa, Mastercard, CB, etc.\u00a0<\/li>\r\n<li>La marge bancaire : ajout\u00e9e par la banque du commer\u00e7ant.\u00a0<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\">\ud83d\udca1 L&#8217;interchange et les frais de r\u00e9seau sont des frais incompressibles. Seule la marge bancaire est n\u00e9gociable et peut fortement varier d&#8217;un \u00e9tablissement \u00e0 l&#8217;autre.\u00a0<\/p>\r\n<p><iframe loading=\"lazy\" title=\"Tout comprendre sur les COMMISSIONS chez YAVIN\" width=\"700\" height=\"394\" src=\"https:\/\/www.youtube.com\/embed\/2yqmnOoxYhg?feature=oembed&#038;enablejsapi=1&#038;origin=https:\/\/yavin.com\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\r\n<h3 id=\"h-1-les-commissions-d-interchange\">1. <strong>Les commissions d\u2019interchange : d\u00e9finition et plafonds\u00a0<\/strong><\/h3>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\">La commission d&#8217;interchange (aussi appel\u00e9e CIP\/MIF) correspond au montant que la banque du commer\u00e7ant verse \u00e0 la banque du client.\u00a0<\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>Depuis 2015, elle est plafonn\u00e9e en Europe : 0,2% pour les cartes de d\u00e9bit et 0,3% pour les cartes de cr\u00e9dit.\u00a0<\/li>\r\n<li>Les cartes business et corporate ne sont pas concern\u00e9es par ce plafonnement, leurs frais \u00e9tant plus \u00e9lev\u00e9s.\u00a0<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\">Exemple : Pour un paiement de 100\u20ac avec une carte de d\u00e9bit, la banque du commer\u00e7ant reverse 0,20\u20ac \u00e0 la banque du client.\u00a0<\/p>\r\n<p style=\"text-align: justify;\">L&#8217;interchange finance notamment le transfert d&#8217;argent s\u00e9curis\u00e9, l&#8217;\u00e9quipement en cartes bancaires et la lutte contre la fraude.\u00a0<\/p>\r\n<p style=\"text-align: justify;\">\ud83d\udca1 Pour en savoir plus sur l&#8217;interchange, vous pouvez lire <a href=\"https:\/\/yavin.com\/blog\/paiement\/interchange-bancaire-tpe\/\">notre article complet<\/a>.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-2-les-frais-de-reseau\">2. <strong>Les frais de r\u00e9seau : r\u00f4le des cartes CB, Visa et Mastercard\u00a0<\/strong><\/h3>\r\n<p>Ces frais sont pr\u00e9lev\u00e9s par les r\u00e9seaux de paiement (CB, Visa, Mastercard&#8230;) pour garantir le bon d\u00e9roulement des transactions.\u00a0<\/p>\r\n<p>Ils sont g\u00e9n\u00e9ralement faibles (souvent &lt;0,02%) mais indispensablCommes pour assurer qu&#8217;un paiement accept\u00e9 sur votre TPE est bien cr\u00e9dit\u00e9 sur votre compte bancaire.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-3-la-marge-de-la-banque-commercant\">3. <strong>La marge bancaire : la part n\u00e9gociable<\/strong><\/h3>\r\n<p>C&#8217;est la partie variable de vos commissions commer\u00e7ants. Il s&#8217;agit de la seule partie des commissions sur laquelle le commer\u00e7ant \u00e0 un pouvoir de n\u00e9gociation.\u00a0<\/p>\r\n<ul>\r\n<li>Elle peut aller de 0,2% \u00e0 plus de 1,75% selon la banque, votre secteur d&#8217;activit\u00e9, le panier moyen ou encore le volume de transactions.\u00a0<\/li>\r\n<li>Bonne nouvelle : c&#8217;est la seule partie que vous pouvez n\u00e9gocier.\u00a0<\/li>\r\n<\/ul>\r\n<p style=\"text-align: center;\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" style=\"background-color: #0097c4;\" href=\"https:\/\/21bb.typeform.com\/to\/Ptk3nuXa\/?source=websiteFR-blog\">Obtenir une offre personnalis\u00e9e Yavin<\/a><\/p>\r\n<p>Pour avoir un visuel sur ce que vous payez en commissions, vous pouvez demander \u00e0 votre banque votre RAFEC (Relev\u00e9 Mensuel des Frais d&#8217;Encaissement Cartes).\u00a0<\/p>\r\n<p>\ud83d\udca1<a href=\"https:\/\/yavin.com\/blog\/paiement\/rafec-comment-lire-et-comprendre-son-releve-de-commissions-bancaires\/\">Comment lire et comprendre son RAFEC ?<\/a><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-le-modele-interchange\"><strong>Les mod\u00e8les de tarification des commissions commer\u00e7ants<\/strong><\/h2>\r\n\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-des-commissions-plus-transparentes\"><strong>Interchange++ : un mod\u00e8le transparent<\/strong><\/h3>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\">Le mod\u00e8le Interchange++ d\u00e9taille pr\u00e9cis\u00e9ment :\u00a0<\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>La commission d&#8217;interchange ;<\/li>\r\n<li>Les frais de r\u00e9seau (+) ;<\/li>\r\n<li>La marge de l&#8217;acqu\u00e9reur (+).<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\">Ce syst\u00e8me est privil\u00e9gi\u00e9 par les grands marchands car il s&#8217;adapte automatiquement aux baisses de l&#8217;interchange. R\u00e9sultat : quand les frais baissent, les \u00e9conomies sont transf\u00e9r\u00e9es au commer\u00e7ant.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-interchange-le-modele-des-grands-marchands\"><strong>Le mod\u00e8le moyenn\u00e9 ou combin\u00e9<\/strong><\/h3>\r\n<p style=\"text-align: justify;\">Aussi appel\u00e9 &#8220;blended&#8221;, ce mod\u00e8le applique une commission fixe (par ex : 1,75%), quel que soit le type de carte.\u00a0<\/p>\r\n<p style=\"text-align: justify;\">Il s\u2019agit l\u00e0 d\u2019une solution fr\u00e9quemment utilis\u00e9e par les banques et par de nouveaux acteurs de paiement, comme Zettle ou SumUp.<\/p>\r\n<ul style=\"text-align: justify;\">\r\n<li>Simple \u00e0 comprendre.<\/li>\r\n<li>Peu transparent, vous ne savez pas exactement ce que vous payez.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: justify;\">Vous n&#8217;avez pas acc\u00e8s au d\u00e9tail des frais qui vous sont factur\u00e9s et vous n&#8217;avez pas la garantie que votre prestataire vous transf\u00e9rera des \u00e9conomies.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-le-cas-de-sumup-une-commission-fixe-a-1-75\"><strong>Le cas de SumUp : une commission fixe \u00e0 1,75%<\/strong><\/h3>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\">Prenons l\u2019exemple des commissions appliqu\u00e9es par SumUp. Il s\u2019agit l\u00e0 d\u2019une commission fixe de 1,75%. Ce qui est relativement \u00e9lev\u00e9. Cependant, leur offre permet de b\u00e9n\u00e9ficier de leur terminal de paiement pour une petite somme. C\u2019est donc un mod\u00e8le int\u00e9ressant pour les tr\u00e8s petits commerces qui encaissent tr\u00e8s peu dans le mois.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<p>Le mod\u00e8le<strong> Interchange<\/strong>\u00a0appara\u00eet alors comme bien <strong>plus avantageux et transparent <\/strong>dans sa d\u00e9marche. Le montant des commissions fluctue selon le type de carte, ce qui permet d\u2019avoir des frais relativement bas, en moyenne.<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-layout-flex\">\r\n<div class=\"wp-block-button aligncenter has-custom-font-size\" style=\"font-size: 16px; text-align: center;\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" style=\"background-color: #0097c4;\" href=\"https:\/\/21bb.typeform.com\/to\/Ptk3nuXa\/?source=websiteFR-blog\">Obtenez une d\u00e9mo du TPE Yavin<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-les-commissions-commercants-sur-un-contrat-monetique-bancaire\"><strong>Le contrat mon\u00e9tique commer\u00e7ant expliqu\u00e9\u00a0<\/strong><\/h2>\r\n<p>Le contrat mon\u00e9tique est le document sign\u00e9 avec votre banque pour l&#8217;acceptation des cartes.\u00a0<\/p>\r\n<ul>\r\n<li>Il d\u00e9taille les commissions appliqu\u00e9es selon le type de carte et le volume de transactions.\u00a0<\/li>\r\n<li>Chaque mois, vous recevez un relev\u00e9 reprenant ces frais.\u00a0<\/li>\r\n<li>Il impose aussi certaines obligations : affichage des cartes accept\u00e9es, <a href=\"https:\/\/yavin.com\/blog\/news-yavin\/la-fin-du-papier-vers-le-ticket-de-caisse-numerique\/\">remise d&#8217;un ticket client (dans le pass\u00e9, plus obligatoire d\u00e9sormais)<\/a>.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\" id=\"h-exemple-de-contrat-classique-d-une-grand-banque-francaise\"><strong>Exemple de contrat classique d&#8217;une grand banque fran\u00e7aise<\/strong><\/h4>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-7078\" src=\"https:\/\/yavin.com\/blog\/wp-content\/uploads\/2022\/05\/exemple-de-contrat-1024x884.png\" alt=\"Exemple de contrat\" width=\"668\" height=\"577\" srcset=\"https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-contrat-1024x884.png 1024w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-contrat-300x259.png 300w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-contrat-768x663.png 768w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-contrat.png 1098w\" sizes=\"(max-width: 668px) 100vw, 668px\" \/><\/figure><\/div>\r\n\r\n\r\n<h4 class=\"wp-block-heading\" id=\"h-exemple-de-releves\"><strong>Exemple de relev\u00e9s<\/strong><\/h4>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-7079\" src=\"https:\/\/yavin.com\/blog\/wp-content\/uploads\/2022\/05\/exemple-de-releve\u0301s.png\" alt=\"Exemple de relev\u00e9s\" width=\"668\" height=\"598\" srcset=\"https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-releve\u0301s.png 974w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-releve\u0301s-300x269.png 300w, https:\/\/yavin.com\/wp-content\/uploads\/2022\/05\/exemple-de-releve\u0301s-768x689.png 768w\" sizes=\"(max-width: 668px) 100vw, 668px\" \/><\/figure><\/div>\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-yavin-l-alternative-transparente-aux-commissions-commercants-imbattables\"><strong>FAQ &#8211; Commissions commer\u00e7ants\u00a0<\/strong><\/h2>\r\n<h4 id=\"h-exemple-de-contrat-classique-d-une-grand-banque-francaise\"><strong>Quelle est la commission moyenne d&#8217;un TPE en France ?\u00a0<\/strong><\/h4>\r\n<p>Elle varie entre 0,5% et 1,5% selon la banque, le type de carte et le volume encaiss\u00e9.<\/p>\r\n<h4 id=\"h-exemple-de-contrat-classique-d-une-grand-banque-francaise\"><strong>Les frais d&#8217;interchange sont-ils n\u00e9gociables ?\u00a0<\/strong><\/h4>\r\n<p>Non, ils sont fix\u00e9s par la r\u00e9glementation europ\u00e9enne. Seule la marge bancaire est n\u00e9gociable.\u00a0<\/p>\r\n<h4 id=\"h-exemple-de-contrat-classique-d-une-grand-banque-francaise\"><strong>Pourquoi choisir le mod\u00e8le Interchange++ ?\u00a0<\/strong><\/h4>\r\n<p>Parce qu&#8217;il est transparent : chaque co\u00fbt est d\u00e9taill\u00e9, et vous b\u00e9n\u00e9ficiez des baisses de l&#8217;interchange.\u00a0<\/p>\r\n<h4 id=\"h-exemple-de-contrat-classique-d-une-grand-banque-francaise\"><strong>Que faire si ma banque applique une commission trop \u00e9lev\u00e9e ?\u00a0<\/strong><\/h4>\r\n<p>Comparer, n\u00e9gocier et envisager des alternatives comme Yavin, qui propose un mod\u00e8le plus clair et plus comp\u00e9titif.\u00a0<\/p>\r\n<h2 id=\"h-yavin-l-alternative-transparente-aux-commissions-commercants-imbattables\"><strong>Yavin : l&#8217;alternative transparente aux commissions commer\u00e7ants<\/strong><\/h2>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\">Chez Yavin, nous avons choisi le mod\u00e8le Interchange++.\u00a0<\/p>\r\n<ul>\r\n<li style=\"text-align: justify;\">Vous savez exactement ce que vous payez, \u00e0 chaque transaction.\u00a0<\/li>\r\n<li style=\"text-align: justify;\">Vous profitez de commissions plus basses et n\u00e9goci\u00e9es.\u00a0<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-layout-flex\">\r\n<div class=\"wp-block-button aligncenter has-custom-font-size\" style=\"font-size: 16px; text-align: center;\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" style=\"background-color: #0097c4;\" href=\"https:\/\/21bb.typeform.com\/to\/Ptk3nuXa\/?source=websiteFR-blog\">Obtenir un devis Yavin<\/a><\/div>\r\n<\/div>\r\n<div>\u00a0<\/div>\r\n<div style=\"text-align: justify;\">\ud83d\udc49 Vous voulez payer moins de commissions commer\u00e7ants et encaisser plus vite ? Demandez une d\u00e9mo gratuite de Yavin et d\u00e9couvrez comment notre solution rend vos frais bancaires simples, transparents et avantageux.\u00a0<\/div>\r\n<div>\u00a0<\/div>\r\n<div>\ud83d\udca1<a href=\"https:\/\/yavin.com\/blog\/paiement\/pourboires-carte-bancaire-tpe\/\"> Comment accepter les pourboires sur votre terminal de paiement Yavin ?<\/a>\u00a0<\/div>\r\n<div>\u00a0<\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>Accepter la carte bancaire est aujourd&#8217;hui incontournable pour tout commerce. Mais chaque paiement entra\u00eene des commissions commer\u00e7ants, parfois difficile \u00e0 comprendre. Entre l&#8217;interchange, les frais de r\u00e9seau et la marge pr\u00e9lev\u00e9e par la banque, le calcul n&#8217;est pas toujours clair.\u00a0 Contacter un expert paiement Yavin &nbsp; Dans cet article, nous vous expliquons comment sont fix\u00e9s &#8230;<\/p>\n","protected":false},"author":12,"featured_media":23580,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[104,187],"tags":[753,858,808,857],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Commissions commer\u00e7ants : comprendre et r\u00e9duire vos frais TPE<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez tout sur les commissions commer\u00e7ants : interchange, frais de r\u00e9seau, marge bancaire. 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