{"id":7170,"date":"2026-09-15T11:33:37","date_gmt":"2026-09-15T09:33:37","guid":{"rendered":"https:\/\/www.synoptic-erp.com\/?p=7170"},"modified":"2026-09-16T10:36:26","modified_gmt":"2026-09-16T08:36:26","slug":"norme-iso-20022-adresses-structurees","status":"publish","type":"post","link":"https:\/\/www.synoptic-erp.com\/fr\/norme-iso-20022-adresses-structurees\/","title":{"rendered":"Norme ISO 20022 : ce que les adresses structur\u00e9es changent dans vos paiements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7170\" class=\"elementor elementor-7170\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8ec64e e-flex e-con-boxed e-con e-parent\" data-id=\"e8ec64e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2743803 elementor-widget elementor-widget-html\" data-id=\"2743803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Barlow:wght@600;700&display=swap\" rel=\"stylesheet\">\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Material+Symbols+Outlined\" rel=\"stylesheet\">\r\n<style>\r\n\r\n.syn-guide {\r\n  \/* Accent de la marque. 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color: var(--syn-accent-text); border: 1px solid var(--syn-border-strong); }\r\n.syn-guide-closing-btn-secondary:hover { transform: translateY(-2px); box-shadow: 0 6px 18px rgba(65,100,230,0.12); }\r\n.syn-guide-closing-btn .material-symbols-outlined { font-size: 20px; }\r\n\/* ===== RESPONSIVE ===== *\/\r\n@media (max-width: 780px) {\r\n  .syn-guide-section { margin-bottom: 24px; }\r\n  .syn-guide-hero { padding: 22px; margin-bottom: 24px; }\r\n  .syn-guide-hero-visual { margin-bottom: 20px; }\r\n  .syn-guide-hero-visual img { height: 180px; }\r\n  .syn-guide-hero h2.syn-guide-hero-title { font-size: 22px; }\r\n  .syn-guide h2.syn-guide-h2 { font-size: 21px; }\r\n  .syn-guide h3.syn-guide-h3 { font-size: 19px; }\r\n  .syn-guide-chip-row { gap: 8px; }\r\n  .syn-guide-chip { padding: 18px 14px; width: 100%; box-sizing: border-box; }\r\n  .syn-guide-checklist-item, .syn-guide-benefit-row, .syn-guide-faq-item, .syn-guide-ask-item { padding: 16px 18px; gap: 12px; }\r\n  .syn-guide-toc-link { padding: 11px 18px; }\r\n  .syn-guide h3.syn-guide-checklist-header,\r\n  .syn-guide h3.syn-guide-benefits-header,\r\n  .syn-guide h3.syn-guide-faq-header,\r\n  .syn-guide h2.syn-guide-faq-header,\r\n  .syn-guide h3.syn-guide-ask-header,\r\n  .syn-guide h3.syn-guide-toc-header { padding: 16px 18px; font-size: 18px; }\r\n  .syn-guide-faq-a { margin-left: 0; margin-top: 4px; }\r\n  .syn-guide-ask-line { margin-left: 0; }\r\n  .syn-guide-compare { grid-template-columns: 1fr; }\r\n  .syn-guide-compare-col { padding: 22px 20px; }\r\n  .syn-guide-note { padding: 18px 20px; }\r\n  .syn-guide-closing { padding: 24px 20px; }\r\n  .syn-guide-closing-stats { grid-template-columns: repeat(2, 1fr); gap: 18px 14px; }\r\n  .syn-guide-closing-cta { flex-direction: column; align-items: stretch; }\r\n  .syn-guide-closing-btn { justify-content: center; width: 100%; box-sizing: border-box; }\r\n}\r\n@media (max-width: 420px) {\r\n  .syn-guide-hero h2.syn-guide-hero-title { font-size: 20px; }\r\n  .syn-guide-hero-badge { font-size: 12px; }\r\n  .syn-guide-closing-stats { grid-template-columns: 1fr; }\r\n}\r\n<\/style>\r\n\r\n<div class=\"syn-guide\">\r\n\r\n  <p class=\"syn-guide-excerpt-seed\">La norme bancaire ISO 20022 impose des adresses structur\u00e9es dans les ordres de paiement : la ville et le pays deviennent des champs obligatoires dans vos fiches tiers. L'\u00e9ch\u00e9ance du 15 novembre 2026 a \u00e9t\u00e9 report\u00e9e par le Conseil europ\u00e9en des paiements le 9 septembre 2026, sans que la r\u00e8gle change. Deux v\u00e9rifications peuvent \u00eatre men\u00e9es sans attendre, c\u00f4t\u00e9 banque et c\u00f4t\u00e9 donn\u00e9es.<\/p>\r\n\r\n  <div class=\"syn-guide-hero\">\r\n    <div class=\"syn-guide-badges\">\r\n      <div class=\"syn-guide-hero-badge\">\u00c9CH\u00c9ANCE BANCAIRE \u00b7 DIRECTIONS ADMINISTRATIVES ET FINANCI\u00c8RES<\/div>\r\n      <div class=\"syn-guide-hero-badge\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"update\"><\/span>Mis \u00e0 jour en septembre 2026<\/div>\r\n    <\/div>\r\n    <h2 class=\"syn-guide-hero-title\">Vos adresses tiers deviennent une donn\u00e9e bancaire \u00e0 part enti\u00e8re<\/h2>\r\n    <div class=\"syn-guide-hero-visual\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees.jpg\" alt=\"Fichier de paiement XML \u00e0 la norme ISO 20022 avec une adresse de b\u00e9n\u00e9ficiaire en champs structur\u00e9s\">\r\n    <\/div>\r\n    <p><strong>Un ordre de virement peut \u00eatre rejet\u00e9 non pas pour un IBAN erron\u00e9, mais pour une adresse de b\u00e9n\u00e9ficiaire incompl\u00e8te.<\/strong><\/p>\r\n    <p>La norme ISO 20022 demande que l'adresse des tiers soit transmise dans des champs identifi\u00e9s, et non plus sur deux lignes de texte libre. L'\u00e9ch\u00e9ance pr\u00e9vue au 15 novembre 2026 dans les sch\u00e9mas de paiement SEPA a \u00e9t\u00e9 report\u00e9e le 9 septembre 2026 par le <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/epc-delays-address-format-migration-timeline\" target=\"_blank\" rel=\"noopener\">Conseil europ\u00e9en des paiements<\/a>, qui fixera un nouveau calendrier en octobre 2026. La r\u00e8gle, elle, ne change pas, et le travail \u00e0 mener reste le m\u00eame.<\/p>\r\n    <div class=\"syn-guide-chip-row\">\r\n      <div class=\"syn-guide-chip\">\r\n        <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"location_city\"><\/span>\r\n        <span class=\"syn-guide-chip-number\">2<\/span>\r\n        <span class=\"syn-guide-chip-text\">champs obligatoires dans la fiche tiers, la ville et le code pays (<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/guidance-documents\/epc-guidance-document-provision-addresses-under-epc-payment\" target=\"_blank\" rel=\"noopener\">EPC, 2025<\/a>)<\/span>\r\n      <\/div>\r\n      <div class=\"syn-guide-chip\">\r\n        <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"event_busy\"><\/span>\r\n        <span class=\"syn-guide-chip-number\">15\/11\/2026<\/span>\r\n        <span class=\"syn-guide-chip-text\">\u00e9ch\u00e9ance SEPA report\u00e9e le 9 septembre 2026, nouvelle date attendue en octobre (<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/epc-delays-address-format-migration-timeline\" target=\"_blank\" rel=\"noopener\">EPC, 2026<\/a>)<\/span>\r\n      <\/div>\r\n      <div class=\"syn-guide-chip\">\r\n        <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"checklist\"><\/span>\r\n        <span class=\"syn-guide-chip-number\">2<\/span>\r\n        <span class=\"syn-guide-chip-text\">v\u00e9rifications \u00e0 mener sans attendre, aupr\u00e8s de votre banque et dans vos bases tiers<\/span>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-note\" style=\"margin-top:0;margin-bottom:36px;\">\r\n    <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"lightbulb\"><\/span>\r\n    <p><strong>En une phrase :<\/strong> la norme ISO 20022 impose que l'adresse port\u00e9e par un ordre de paiement comporte au minimum la ville et le pays dans des champs d\u00e9di\u00e9s, ce qui suppose des fiches tiers compl\u00e8tes et un logiciel de paiement \u00e0 jour.<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-section\">\r\n    <h2 class=\"syn-guide-h2\" id=\"s1\">1. Ce que la norme change dans vos ordres de paiement<\/h2>\r\n    <p>ISO 20022 est la norme internationale qui d\u00e9finit la structure des fichiers \u00e9chang\u00e9s entre une entreprise, sa banque et les infrastructures de paiement. Son effet concret pour une entreprise tient en une phrase : l'adresse d'un tiers ne peut plus \u00eatre une simple suite de lignes libres.<\/p>\r\n    <p>Deux formes sont admises. L'adresse enti\u00e8rement structur\u00e9e r\u00e9partit la voie, le code postal, la ville et le pays dans des champs d\u00e9di\u00e9s. L'adresse hybride conserve deux lignes de texte libre, mais la ville et le pays doivent y figurer en champs s\u00e9par\u00e9s. Seules les adresses enti\u00e8rement non structur\u00e9es sont vis\u00e9es par le rejet, l'adresse enti\u00e8rement structur\u00e9e restant la cible \u00e0 terme.<\/p>\r\n    <div class=\"syn-guide-note\">\r\n      <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"record_voice_over\"><\/span>\r\n      <p><strong>Une id\u00e9e re\u00e7ue \u00e0 \u00e9carter :<\/strong> la norme ne concerne pas uniquement les paiements internationaux. Elle s'applique aux virements et aux pr\u00e9l\u00e8vements SEPA, donc \u00e0 la tr\u00e8s grande majorit\u00e9 de vos r\u00e8glements fournisseurs et de vos encaissements clients.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-section\">\r\n    <h2 class=\"syn-guide-h2\" id=\"s2\">2. O\u00f9 en est le calendrier ?<\/h2>\r\n    <p>Les banques appliquent la r\u00e8gle entre elles depuis novembre 2025. Pour les fichiers que les entreprises leur remettent, l'\u00e9ch\u00e9ance \u00e9tait fix\u00e9e au 15 novembre 2026. Deux d\u00e9cisions l'ont d\u00e9plac\u00e9e : Swift a \u00e9tendu la migration sur son r\u00e9seau le 27 ao\u00fbt 2026, puis le Conseil europ\u00e9en des paiements a report\u00e9 la date du 15 novembre 2026 le 9 septembre 2026, sans en arr\u00eater de nouvelle. Elle sera fix\u00e9e lors de sa r\u00e9union d'octobre 2026.<\/p>\r\n    <p>Ce report ne dispense de rien. L'organisme demande aux entreprises et \u00e0 leurs banques de poursuivre leur migration, et une adresse fiabilis\u00e9e maintenant restera conforme quelle que soit la date retenue.<\/p>\r\n    <div class=\"syn-guide-note\">\r\n      <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"fact_check\"><\/span>\r\n      <p><strong>\u00c0 retenir :<\/strong> la date qui vous engage est celle que votre banque vous communique par \u00e9crit. Elle peut appliquer un calendrier plus strict sur ses propres canaux de remise de fichiers.<\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-section\">\r\n    <h2 class=\"syn-guide-h2\" id=\"s3\">3. Les deux v\u00e9rifications \u00e0 mener sans attendre<\/h2>\r\n    <p>Elles ne d\u00e9pendent ni de la date d\u00e9finitive ni de votre version de logiciel, et elles repr\u00e9sentent l'essentiel de la charge.<\/p>\r\n    <div class=\"syn-guide-benefits\">\r\n      <h3 class=\"syn-guide-benefits-header\">Deux chantiers ind\u00e9pendants du calendrier<\/h3>\r\n      <div class=\"syn-guide-benefit-row\">\r\n        <span class=\"material-symbols-outlined syn-guide-benefit-icon\" aria-hidden=\"true\" data-i=\"account_balance\"><\/span>\r\n        <div class=\"syn-guide-benefit-content\">\r\n          <div class=\"syn-guide-benefit-title\">Interroger votre banque<\/div>\r\n          <div class=\"syn-guide-benefit-text\">Demandez-lui sa date d'application et la conformit\u00e9 des services associ\u00e9s \u00e0 votre contrat de communication bancaire. Si ces services doivent \u00eatre modifi\u00e9s, demandez la lettre de param\u00e9trage correspondante, \u00e0 transmettre \u00e0 votre \u00e9diteur ou \u00e0 votre int\u00e9grateur.<\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-benefit-row\">\r\n        <span class=\"material-symbols-outlined syn-guide-benefit-icon\" aria-hidden=\"true\" data-i=\"contacts\"><\/span>\r\n        <div class=\"syn-guide-benefit-content\">\r\n          <div class=\"syn-guide-benefit-title\">Compl\u00e9ter les adresses de vos bases tiers<\/div>\r\n          <div class=\"syn-guide-benefit-text\">Chaque fournisseur, client ou salari\u00e9 concern\u00e9 par un ordre de paiement doit avoir une ville et un code pays renseign\u00e9s dans les champs pr\u00e9vus \u00e0 cet effet. C'est le chantier le plus long, puisqu'il porte sur le stock de fiches accumul\u00e9 au fil des ann\u00e9es.<\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"syn-guide-note\">\r\n      <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"tips_and_updates\"><\/span>\r\n      <p><strong>Conseil pratique :<\/strong> commencez par les tiers r\u00e9ellement pay\u00e9s sur les douze derniers mois. Un export des fiches sans ville ou sans pays suffit \u00e0 mesurer le volume \u00e0 reprendre, souvent bien inf\u00e9rieur au nombre total de fiches.<\/p>\r\n    <\/div>\r\n    <h3 class=\"syn-guide-h3\">Et c\u00f4t\u00e9 logiciel ?<\/h3>\r\n    <p>Produire un fichier conforme suppose que l'outil qui g\u00e9n\u00e8re les ordres sache \u00e9crire ces champs. Selon les \u00e9diteurs et les versions, la capacit\u00e9 est native, apport\u00e9e par une mise \u00e0 jour, ou absente. Sur Sage 100 Moyens de paiement, l'\u00e9diteur indique que la norme est g\u00e9r\u00e9e \u00e0 partir de la version 12.2 : une installation ant\u00e9rieure demande une mont\u00e9e de version, \u00e0 planifier avec votre prestataire et \u00e0 conclure par un test de bout en bout avec votre banque.<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-section\">\r\n    <div class=\"syn-guide-faq\">\r\n      <h2 class=\"syn-guide-faq-header\" id=\"faq\">FAQ : norme ISO 20022 et adresses structur\u00e9es<\/h2>\r\n      <div class=\"syn-guide-faq-item\">\r\n        <h3 class=\"syn-guide-faq-q\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"help\"><\/span>Qu'est-ce que la norme ISO 20022 pour les ordres de paiement ?<\/h3>\r\n        <div class=\"syn-guide-faq-a\">ISO 20022 est la norme internationale qui d\u00e9finit la structure des fichiers \u00e9chang\u00e9s entre une entreprise, sa banque et les infrastructures de paiement. Pour une entreprise, son effet le plus concret est l'obligation de transmettre l'adresse des tiers dans des champs identifi\u00e9s plut\u00f4t que dans deux lignes de texte libre.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-faq-item\">\r\n        <h3 class=\"syn-guide-faq-q\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"help\"><\/span>Quelle est la date limite pour passer aux adresses structur\u00e9es ?<\/h3>\r\n        <div class=\"syn-guide-faq-a\">Les banques appliquent la r\u00e8gle entre elles depuis novembre 2025. Pour les fichiers remis par les entreprises, l'\u00e9ch\u00e9ance \u00e9tait fix\u00e9e au 15 novembre 2026 dans les sch\u00e9mas de paiement SEPA, mais le Conseil europ\u00e9en des paiements l'a report\u00e9e le 9 septembre 2026 et fixera le nouveau calendrier en octobre 2026. La date qui engage une entreprise reste celle que sa banque lui communique par \u00e9crit.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-faq-item\">\r\n        <h3 class=\"syn-guide-faq-q\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"help\"><\/span>Quels champs sont obligatoires dans une fiche tiers ?<\/h3>\r\n        <div class=\"syn-guide-faq-a\">La ville et le code pays constituent le minimum obligatoire, renseign\u00e9s dans les champs pr\u00e9vus \u00e0 cet effet et non dans une ligne de compl\u00e9ment d'adresse. La voie et le code postal disposent \u00e9galement de champs d\u00e9di\u00e9s.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-faq-item\">\r\n        <h3 class=\"syn-guide-faq-q\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"help\"><\/span>Mon virement sera-t-il rejet\u00e9 si l'adresse est incompl\u00e8te ?<\/h3>\r\n        <div class=\"syn-guide-faq-a\">Ce sont les ordres comportant une adresse enti\u00e8rement non structur\u00e9e qui sont vis\u00e9s par le rejet ou le retard de traitement, une fois l'\u00e9ch\u00e9ance applicable atteinte. L'adresse hybride, qui conserve deux lignes de texte libre mais isole la ville et le pays, reste accept\u00e9e.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-faq-item\">\r\n        <h3 class=\"syn-guide-faq-q\"><span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"help\"><\/span>Faut-il changer de version de son logiciel de paiement ?<\/h3>\r\n        <div class=\"syn-guide-faq-a\">Cela d\u00e9pend de la version install\u00e9e. Sur Sage 100 Moyens de paiement, l'\u00e9diteur indique que la norme est g\u00e9r\u00e9e \u00e0 partir de la version 12.2, ce qui suppose une mont\u00e9e de version pour les installations ant\u00e9rieures. Pour un autre outil, la question \u00e0 poser \u00e0 l'\u00e9diteur est de savoir \u00e0 partir de quelle version les adresses structur\u00e9es sont produites.<\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"syn-guide-section\">\r\n    <div class=\"syn-guide-checklist\">\r\n      <h3 class=\"syn-guide-checklist-header\">Sources<\/h3>\r\n      <div class=\"syn-guide-checklist-item\">\r\n        <span class=\"material-symbols-outlined syn-guide-checklist-icon\" aria-hidden=\"true\" data-i=\"gavel\"><\/span>\r\n        <div class=\"syn-guide-checklist-text\"><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/epc-delays-address-format-migration-timeline\" target=\"_blank\" rel=\"noopener\">EPC delays address format migration timeline<\/a>, European Payments Council, 10 septembre 2026. D\u00e9cision du comit\u00e9 de gestion des sch\u00e9mas du 9 septembre 2026.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-checklist-item\">\r\n        <span class=\"material-symbols-outlined syn-guide-checklist-icon\" aria-hidden=\"true\" data-i=\"menu_book\"><\/span>\r\n        <div class=\"syn-guide-checklist-text\"><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/guidance-documents\/epc-guidance-document-provision-addresses-under-epc-payment\" target=\"_blank\" rel=\"noopener\">Provision of Addresses under the EPC Payment Schemes<\/a>, version 2.1 du 6 octobre 2025. Formats d'adresse autoris\u00e9s et champs obligatoires.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-checklist-item\">\r\n        <span class=\"material-symbols-outlined syn-guide-checklist-icon\" aria-hidden=\"true\" data-i=\"hub\"><\/span>\r\n        <div class=\"syn-guide-checklist-text\"><a href=\"https:\/\/www.swift.com\/news-events\/news\/swift-accepts-community-request-extend-structured-address-migration-iso-20022-payment-messages\" target=\"_blank\" rel=\"noopener\">Swift accepts community request to extend structured address migration<\/a>, Swift, 27 ao\u00fbt 2026.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-checklist-item\">\r\n        <span class=\"material-symbols-outlined syn-guide-checklist-icon\" aria-hidden=\"true\" data-i=\"account_balance\"><\/span>\r\n        <div class=\"syn-guide-checklist-text\"><a href=\"https:\/\/www.cfonb.org\/espace-documentaire\/transposition-des-adresses-au-format-iso-20022\" target=\"_blank\" rel=\"noopener\">Transposition des adresses au format ISO 20022<\/a>, Comit\u00e9 fran\u00e7ais d'organisation et de normalisation bancaires.<\/div>\r\n      <\/div>\r\n      <div class=\"syn-guide-checklist-item\">\r\n        <span class=\"material-symbols-outlined syn-guide-checklist-icon\" aria-hidden=\"true\" data-i=\"help_center\"><\/span>\r\n        <div class=\"syn-guide-checklist-text\"><a href=\"https:\/\/fr-kb.sage.com\/portal\/app\/portlets\/results\/viewsolution.jsp?solutionid=250901120031570\" target=\"_blank\" rel=\"noopener\">Conna\u00eetre la norme ISO 20022<\/a>, base de connaissances Sage.<\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <h2 class=\"syn-guide-h2\" id=\"conclusion\">Pour conclure : nous pouvons vous accompagner<\/h2>\r\n  <div class=\"syn-guide-closing\">\r\n    <p class=\"syn-guide-closing-text\"><strong>Proges Plus est centre de comp\u00e9tence Sage pour la gestion financi\u00e8re et la paie, en tant qu'\u00e9diteur et int\u00e9grateur de Synoptic ERP.<\/strong><\/p>\r\n    <p class=\"syn-guide-closing-text\">\u00c0 ce titre, nous accompagnons nos clients dans leur mise en conformit\u00e9 : le point sur votre version, la pr\u00e9paration de vos donn\u00e9es tiers et les \u00e9changes avec votre banque.<\/p>\r\n    <div class=\"syn-guide-closing-cta\">\r\n      <a href=\"URL_INTERNE_CONTACT\" class=\"syn-guide-closing-btn syn-guide-closing-btn-primary\">\r\n        <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"mail\"><\/span>\r\n        Nous contacter\r\n      <\/a>\r\n      <a href=\"https:\/\/www.synoptic-erp.com\/fr\/fonctionnalites\/erp-comptabilite-finances-rh\/\" class=\"syn-guide-closing-btn syn-guide-closing-btn-secondary\">\r\n        <span class=\"material-symbols-outlined\" aria-hidden=\"true\" data-i=\"account_balance_wallet\"><\/span>\r\n        Notre expertise Sage 100\r\n      <\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Qu'est-ce que la norme ISO 20022 pour les ordres de paiement ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"ISO 20022 est la norme internationale qui d\u00e9finit la structure des fichiers \u00e9chang\u00e9s entre une entreprise, sa banque et les infrastructures de paiement. Pour une entreprise, son effet le plus concret est l'obligation de transmettre l'adresse des tiers dans des champs identifi\u00e9s plut\u00f4t que dans deux lignes de texte libre.\"\r\n      }\r\n    },\r\n    {\r\n      \"@type\": \"Question\",\r\n      \"name\": \"Quelle est la date limite pour passer aux adresses structur\u00e9es ?\",\r\n      \"acceptedAnswer\": {\r\n        \"@type\": \"Answer\",\r\n        \"text\": \"Les banques appliquent la r\u00e8gle entre elles depuis novembre 2025. Pour les fichiers remis par les entreprises, l'\u00e9ch\u00e9ance \u00e9tait fix\u00e9e au 15 novembre 2026 dans les sch\u00e9mas de paiement SEPA, mais le Conseil europ\u00e9en des paiements l'a report\u00e9e le 9 septembre 2026 et fixera le nouveau calendrier en octobre 2026. 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Sur Sage 100 Moyens de paiement, l'\u00e9diteur indique que la norme est g\u00e9r\u00e9e \u00e0 partir de la version 12.2, ce qui suppose une mont\u00e9e de version pour les installations ant\u00e9rieures. Pour un autre outil, la question \u00e0 poser \u00e0 l'\u00e9diteur est de savoir \u00e0 partir de quelle version les adresses structur\u00e9es sont produites.\"\r\n      }\r\n    }\r\n  ]\r\n}\r\n<\/script>\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<div class=\"elementor-element elementor-element-3aa32fb e-flex e-con-boxed e-con e-parent\" data-id=\"3aa32fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b05cb elementor-widget elementor-widget-heading\" data-id=\"10b05cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D\u00e9couvrez nos autres articles<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b0d58c elementor-grid-3 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type-post status-publish format-standard has-post-thumbnail hentry category-actualites category-synoptic-erp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.synoptic-erp.com\/fr\/application-suivi-interventions-sav\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Application-suivi-interventions-Synoptic-ERP-300x200.jpg\" class=\"attachment-medium size-medium wp-image-7269\" alt=\"Application SAV ERP\" srcset=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Application-suivi-interventions-Synoptic-ERP-300x200.jpg 300w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Application-suivi-interventions-Synoptic-ERP-768x512.jpg 768w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Application-suivi-interventions-Synoptic-ERP.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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:\/\/www.synoptic-erp.com\/fr\/application-suivi-interventions-sav\/\" >\n\t\t\t\tApplication de suivi des interventions : Synoptic ERP lance son outil terrain\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t16 septembre 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tAucun commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.synoptic-erp.com\/fr\/application-suivi-interventions-sav\/\" aria-label=\"En savoir plus sur Application de suivi des interventions : Synoptic ERP lance son outil terrain\" tabindex=\"-1\" >\n\t\t\tLire l'article \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-7170 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-sage\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.synoptic-erp.com\/fr\/norme-iso-20022-adresses-structurees\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"138\" src=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees-300x138.jpg\" class=\"attachment-medium size-medium wp-image-7197\" alt=\"Norme ISO 20022\" srcset=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees-300x138.jpg 300w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees-1200x552.jpg 1200w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees-768x353.jpg 768w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/09\/Norme-iso-20022-adresses-structurees.jpg 1300w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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:\/\/www.synoptic-erp.com\/fr\/norme-iso-20022-adresses-structurees\/\" >\n\t\t\t\tNorme ISO 20022 : ce que les adresses structur\u00e9es changent dans vos paiements\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t15 septembre 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tAucun commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.synoptic-erp.com\/fr\/norme-iso-20022-adresses-structurees\/\" aria-label=\"En savoir plus sur Norme ISO 20022 : ce que les adresses structur\u00e9es changent dans vos paiements\" tabindex=\"-1\" >\n\t\t\tLire l'article \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6950 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-synoptic-erp\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.synoptic-erp.com\/fr\/cycle-de-vente-industriel-devis-facture\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/07\/Devis-facture-fluidifier-cycle-vente-300x200.jpg\" class=\"attachment-medium size-medium wp-image-6952\" alt=\"Fluidifier cycle de vente industriel\" srcset=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/07\/Devis-facture-fluidifier-cycle-vente-300x200.jpg 300w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/07\/Devis-facture-fluidifier-cycle-vente-768x512.jpg 768w, 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srcset=\"https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/06\/Conduite-changement-ERP-300x164.jpg 300w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/06\/Conduite-changement-ERP-768x419.jpg 768w, https:\/\/www.synoptic-erp.com\/wp-content\/uploads\/2026\/06\/Conduite-changement-ERP.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div>\n\t\t<\/a>\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:\/\/www.synoptic-erp.com\/fr\/conduite-du-changement-projet-erp\/\" >\n\t\t\t\tR\u00e9ussir la conduite du changement lors d&rsquo;un projet ERP\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t30 juin 2026\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-avatar\">\n\t\t\tUn commentaire\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/www.synoptic-erp.com\/fr\/conduite-du-changement-projet-erp\/\" aria-label=\"En savoir plus sur R\u00e9ussir la conduite du changement lors d&rsquo;un projet ERP\" tabindex=\"-1\" >\n\t\t\tLire l'article \u00bb\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\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>La norme bancaire ISO 20022 impose des adresses structur\u00e9es dans les ordres de paiement :<\/p>\n","protected":false},"author":7,"featured_media":7197,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,833],"tags":[],"class_list":["post-7170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-sage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.2) 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