{"id":6746,"date":"2025-07-15T12:37:11","date_gmt":"2025-07-15T12:37:11","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=6746"},"modified":"2025-07-16T07:39:26","modified_gmt":"2025-07-16T07:39:26","slug":"chargeback-vs-refund-business-payments-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/chargeback-vs-refund-business-payments-2\/","title":{"rendered":"Remboursement ou r\u00e9trofacturation : prot\u00e9ger vos revenus"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-Ao3Vd05odoZaGzxMJO9l7ofUgKe\">\n<p data-start=\"634\" data-end=\"986\">Lorsqu\u2019un client souhaite r\u00e9cup\u00e9rer son argent, deux voies sont possibles : le <strong data-start=\"713\" data-end=\"730\">remboursement<\/strong> ou la <strong data-start=\"737\" data-end=\"757\">r\u00e9trofacturation<\/strong> (chargeback). Bien que les deux aboutissent au m\u00eame r\u00e9sultat \u2014 le retour des fonds au client \u2014 la mani\u00e8re dont cela se produit, et surtout <strong data-start=\"897\" data-end=\"931\">qui en contr\u00f4le le d\u00e9roulement<\/strong>, peut avoir un impact consid\u00e9rable sur votre activit\u00e9.<\/p>\n<p data-start=\"988\" data-end=\"1366\">Chez <strong data-start=\"993\" data-end=\"1002\">Buvei<\/strong>, nous accompagnons les entreprises qui construisent une infrastructure de paiements programmable \u00e0 l\u2019aide de <strong data-start=\"1112\" data-end=\"1133\">cartes virtuelles<\/strong> et d\u2019<a href=\"https:\/\/buvei.com\/developer\"><strong data-start=\"1139\" data-end=\"1146\">API<\/strong><\/a>. Un d\u00e9fi majeur pour nos utilisateurs reste la gestion efficace des litiges. Ma\u00eetriser les diff\u00e9rences entre remboursement et r\u00e9trofacturation permet d\u2019optimiser les workflows et d\u2019\u00e9viter les pertes de revenus inutiles.<\/p>\n<\/div>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6648 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"1368\" data-end=\"1403\">qu\u2019est-ce qu\u2019un remboursement ?<\/h3>\n<p data-start=\"1405\" data-end=\"1546\">Un remboursement est un retour volontaire des fonds effectu\u00e9 par l\u2019entreprise. Il est g\u00e9n\u00e9ralement d\u00e9clench\u00e9 dans des situations telles que :<\/p>\n<ul data-start=\"1548\" data-end=\"1695\">\n<li data-start=\"1548\" data-end=\"1591\">\n<p data-start=\"1550\" data-end=\"1591\">Annulation d\u2019une commande par le client<\/p>\n<\/li>\n<li data-start=\"1592\" data-end=\"1627\">\n<p data-start=\"1594\" data-end=\"1627\">Produit d\u00e9fectueux ou non livr\u00e9<\/p>\n<\/li>\n<li data-start=\"1628\" data-end=\"1653\">\n<p data-start=\"1630\" data-end=\"1653\">Erreur de facturation<\/p>\n<\/li>\n<li data-start=\"1654\" data-end=\"1695\">\n<p data-start=\"1656\" data-end=\"1695\">Annulation d\u2019un service avant ex\u00e9cution<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1697\" data-end=\"1877\">Dans ce cas, c\u2019est le <strong data-start=\"1719\" data-end=\"1733\">commer\u00e7ant<\/strong> qui initie l\u2019op\u00e9ration, via sa plateforme de paiement. C\u2019est une solution plus fluide, moins co\u00fbteuse et moins risqu\u00e9e que la r\u00e9trofacturation.<\/p>\n<p data-start=\"1879\" data-end=\"2043\">\ud83d\udccc <em data-start=\"1882\" data-end=\"1893\">Exemple :<\/em> Un client annule son abonnement SaaS avant le renouvellement. Votre \u00e9quipe de support traite le remboursement proactivement : c\u2019est un remboursement.<\/p>\n<h3 class=\"heading-3 ace-line old-record-id-TT6ydapnMovlzNxMfqtln4mYgvd\"><a style=\"font-size: 16px;\" href=\"https:\/\/www.buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h3>\n<h3 data-start=\"2045\" data-end=\"2084\">qu\u2019est-ce qu\u2019une r\u00e9trofacturation ?<\/h3>\n<p data-start=\"2086\" data-end=\"2326\">Une <strong data-start=\"2090\" data-end=\"2110\">r\u00e9trofacturation<\/strong> se produit lorsque le client contacte <strong data-start=\"2149\" data-end=\"2162\">sa banque<\/strong> ou <strong data-start=\"2166\" data-end=\"2192\">l\u2019\u00e9metteur de sa carte<\/strong> pour contester un paiement. Cela d\u00e9clenche une <strong data-start=\"2240\" data-end=\"2262\">proc\u00e9dure formelle<\/strong> de remboursement via les r\u00e9seaux de cartes (Visa, Mastercard\u2026).<\/p>\n<p data-start=\"2328\" data-end=\"2366\">Les raisons les plus fr\u00e9quentes sont :<\/p>\n<ul data-start=\"2368\" data-end=\"2508\">\n<li data-start=\"2368\" data-end=\"2407\">\n<p data-start=\"2370\" data-end=\"2407\">Paiement frauduleux ou non autoris\u00e9<\/p>\n<\/li>\n<li data-start=\"2408\" data-end=\"2431\">\n<p data-start=\"2410\" data-end=\"2431\">Produit jamais re\u00e7u<\/p>\n<\/li>\n<li data-start=\"2432\" data-end=\"2467\">\n<p data-start=\"2434\" data-end=\"2467\">Remboursement promis non trait\u00e9<\/p>\n<\/li>\n<li data-start=\"2468\" data-end=\"2508\">\n<p data-start=\"2470\" data-end=\"2508\">Client ne reconna\u00eet pas la transaction<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2510\" data-end=\"2691\">Les r\u00e9trofacturations sont <strong data-start=\"2537\" data-end=\"2550\">co\u00fbteuses<\/strong> : elles entra\u00eenent des frais, augmentent votre ratio de litiges, et peuvent <strong data-start=\"2627\" data-end=\"2660\">menacer votre compte marchand<\/strong> si elles sont trop fr\u00e9quentes.<\/p>\n<h3 data-start=\"2693\" data-end=\"2765\">remboursement vs r\u00e9trofacturation : quelle est la vraie diff\u00e9rence ?<\/h3>\n<div class=\"_tableContainer_80l1q_1\">\n<div class=\"_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2767\" data-end=\"3301\">\n<thead data-start=\"2767\" data-end=\"2856\">\n<tr data-start=\"2767\" data-end=\"2856\">\n<th data-start=\"2767\" data-end=\"2796\" data-col-size=\"sm\">Crit\u00e8re<\/th>\n<th data-start=\"2796\" data-end=\"2822\" data-col-size=\"sm\">Remboursement<\/th>\n<th data-start=\"2822\" data-end=\"2856\" data-col-size=\"sm\">R\u00e9trofacturation<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2946\" data-end=\"3301\">\n<tr data-start=\"2946\" data-end=\"3034\">\n<td data-start=\"2946\" data-end=\"2974\" data-col-size=\"sm\">Initiateur<\/td>\n<td data-start=\"2974\" data-end=\"3000\" data-col-size=\"sm\">Commer\u00e7ant<\/td>\n<td data-start=\"3000\" data-end=\"3034\" data-col-size=\"sm\">Client (via banque \u00e9mettrice)<\/td>\n<\/tr>\n<tr data-start=\"3035\" data-end=\"3123\">\n<td data-start=\"3035\" data-end=\"3063\" data-col-size=\"sm\">Contr\u00f4le du processus<\/td>\n<td data-start=\"3063\" data-end=\"3089\" data-col-size=\"sm\">G\u00e9r\u00e9 par l\u2019entreprise<\/td>\n<td data-start=\"3089\" data-end=\"3123\" data-col-size=\"sm\">G\u00e9r\u00e9 par les banques\/r\u00e9seaux<\/td>\n<\/tr>\n<tr data-start=\"3124\" data-end=\"3212\">\n<td data-start=\"3124\" data-end=\"3152\" data-col-size=\"sm\">Frais associ\u00e9s<\/td>\n<td data-start=\"3152\" data-end=\"3178\" data-col-size=\"sm\">Souvent aucun<\/td>\n<td data-start=\"3178\" data-end=\"3212\" data-col-size=\"sm\">Frais de r\u00e9trofacturation<\/td>\n<\/tr>\n<tr data-start=\"3213\" data-end=\"3301\">\n<td data-start=\"3213\" data-end=\"3241\" data-col-size=\"sm\">Risque r\u00e9putationnel<\/td>\n<td data-start=\"3241\" data-end=\"3267\" data-col-size=\"sm\">Faible<\/td>\n<td data-start=\"3267\" data-end=\"3301\" data-col-size=\"sm\">\u00c9lev\u00e9 si trop fr\u00e9quentes<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p data-start=\"3303\" data-end=\"3451\">\ud83c\udfaf En r\u00e9sum\u00e9 : <strong data-start=\"3318\" data-end=\"3364\">le remboursement est un bon service client<\/strong>, tandis que la r\u00e9trofacturation est une <strong data-start=\"3405\" data-end=\"3426\">mesure d\u2019escalade<\/strong> qu\u2019il vaut mieux \u00e9viter.<\/p>\n<h3 data-start=\"3453\" data-end=\"3546\"><\/h3>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6649 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Chargeback-vs.-Refund-How-to-Protect-Your-Revenue3.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"3453\" data-end=\"3546\">comment buvei vous aide \u00e0 automatiser les remboursements et limiter les r\u00e9trofacturations<\/h3>\n<p data-start=\"3548\" data-end=\"3751\">Dans de nombreux cas, les r\u00e9trofacturations surviennent parce que le <strong data-start=\"3617\" data-end=\"3661\">remboursement n\u2019a pas \u00e9t\u00e9 trait\u00e9 \u00e0 temps<\/strong>, ou parce que le client <strong data-start=\"3686\" data-end=\"3723\">n\u2019a pas trouv\u00e9 de solution simple<\/strong> pour r\u00e9soudre son probl\u00e8me.<\/p>\n<p data-start=\"3753\" data-end=\"3896\">Gr\u00e2ce \u00e0 l\u2019infrastructure de paiement programmable de <strong data-start=\"3806\" data-end=\"3815\">Buvei<\/strong>, vous pouvez cr\u00e9er des parcours de r\u00e9solution <strong data-start=\"3862\" data-end=\"3894\">plus rapides et intelligents<\/strong> :<\/p>\n<ul data-start=\"3898\" data-end=\"4251\">\n<li data-start=\"3898\" data-end=\"3996\">\n<p data-start=\"3900\" data-end=\"3996\"><strong data-start=\"3900\" data-end=\"3937\">Limites de d\u00e9penses en temps r\u00e9el<\/strong> : pour bloquer automatiquement les transactions \u00e0 risque<\/p>\n<\/li>\n<li data-start=\"3997\" data-end=\"4112\">\n<p data-start=\"3999\" data-end=\"4112\"><strong data-start=\"3999\" data-end=\"4036\">Gel instantan\u00e9 de carte virtuelle<\/strong> : en cas de litige probable, bloquez la carte pour \u00e9viter d\u2019autres d\u00e9bits<\/p>\n<\/li>\n<li data-start=\"4113\" data-end=\"4251\">\n<p data-start=\"4115\" data-end=\"4251\"><strong data-start=\"4115\" data-end=\"4139\">\u00c9tiquetage par usage<\/strong> : cat\u00e9gorisez les cartes (ex : <a href=\"https:\/\/buvei.com\/blog\/google-ads-virtual-card-risk-control\/\">pub<\/a>, <a href=\"https:\/\/buvei.com\/blog\/virtual-cards-for-subscription-management\/\">SaaS<\/a>, essai gratuit) pour d\u00e9tecter les canaux g\u00e9n\u00e9rant le plus de litiges<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4253\" data-end=\"4441\">\ud83d\udccc <em data-start=\"4256\" data-end=\"4267\">Exemple :<\/em> Un client oublie d\u2019annuler sa p\u00e9riode d\u2019essai ? Le syst\u00e8me peut d\u00e9clencher un <strong data-start=\"4346\" data-end=\"4375\">remboursement automatique<\/strong> d\u00e8s qu\u2019il en fait la demande, \u00e9vitant ainsi une r\u00e9trofacturation.<\/p>\n<h3 data-start=\"4443\" data-end=\"4460\">en conclusion<\/h3>\n<p data-start=\"4462\" data-end=\"4814\">Les litiges sont in\u00e9vitables, mais ils n\u2019ont pas \u00e0 nuire \u00e0 votre activit\u00e9. Former vos \u00e9quipes sur la diff\u00e9rence entre remboursement et r\u00e9trofacturation est <strong data-start=\"4618\" data-end=\"4639\">la premi\u00e8re \u00e9tape<\/strong>. Construire des processus centr\u00e9s sur la r\u00e9solution proactive et la <strong data-start=\"4708\" data-end=\"4734\">pr\u00e9vention des litiges<\/strong> vous aidera \u00e0 <strong data-start=\"4749\" data-end=\"4774\">pr\u00e9server vos revenus<\/strong> tout en renfor\u00e7ant la confiance client.<\/p>\n<p data-start=\"4816\" data-end=\"5029\">\ud83d\udce8 Vous souhaitez r\u00e9duire les r\u00e9trofacturations et automatiser les remboursements gr\u00e2ce \u00e0 une infrastructure de paiement intelligente ?<br data-start=\"4951\" data-end=\"4954\" \/><strong data-start=\"4954\" data-end=\"5029\"><a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"4956\" data-end=\"5027\">D\u00e9couvrez les solutions Buvei d\u00e8s maintenant \u2192<\/a><\/strong><\/p>\n<div><a href=\"https:\/\/www.buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"Lorsqu\u2019un client souhaite r\u00e9cup\u00e9rer son argent, deux voies sont possibles : le remboursement ou la r\u00e9trofacturation (chargeback). Bien&hellip;","protected":false},"author":2,"featured_media":6869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[23],"tags":[96,2905,334,3749,623],"class_list":{"0":"post-6746","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-fr","8":"tag-buvei-fr","9":"tag-chargeback-fr","10":"tag-payments-fr","11":"tag-refund-fr","12":"tag-virtual-cards-fr","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6746","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=6746"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6746\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/6869"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=6746"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=6746"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=6746"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}