{"id":9544,"date":"2024-03-19T16:25:32","date_gmt":"2024-03-19T15:25:32","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/informations-generales\/a-propos\/principes-de-reserve\/"},"modified":"2026-01-28T14:47:29","modified_gmt":"2026-01-28T13:47:29","slug":"principes-de-reserve","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/informations-generales\/ouvrir-un-compte-centralpay\/principes-de-reserve\/","title":{"rendered":"Principes de r\u00e9serve"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La r\u00e9serve\u00a0repr\u00e9sente les sommes qui sont maintenues sur votre compte de r\u00e9serve CentralPay afin de permettre de couvrir les R-transactions (rejets, refus, retours, remboursements, contestations, impay\u00e9s) lorsque votre compte de paiement n&#8217;est pas solvable. Ses param\u00e8tres sont d\u00e9finis en fonction du profil de risque financier de votre compte et sont actualis\u00e9s en fonction de l&#8217;analyse de vos R-transactions sur une p\u00e9riode suffisante. Les transactions r\u00e9currentes par pr\u00e9l\u00e8vement SEPA et par carte bancaire sont particuli\u00e8rement sujettes au risque de R-transactions.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">CentralPay poss\u00e8de 3 types de garanties de protection qui peuvent s\u2019appliquer aux marchands, en fonction de la nature de leur contrat :<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Le collat\u00e9ral<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il repr\u00e9sente la somme fixe vers\u00e9e en d\u00e9but de relation, servant \u00e0 couvrir le risque de cr\u00e9dit dans le cas o\u00f9 le marchand ne pourrait pas satisfaire ses obligations de remboursement envers ses clients.<\/p>\n\n\n<p>Le d\u00e9tail du collat\u00e9ral est visible depuis le Portail Marchand :         <span class=\"direction_steps\">\r\n            <span class=\"direction_step\"> Administration <\/span><span class=\"direction_step\"> Versements <\/span><span class=\"direction_step\"> Somme des cautions <\/span>        <\/span>\r\n        <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Le pied de compte<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En l\u2019absence de collat\u00e9ral, une somme fixe peut \u00eatre pr\u00e9lev\u00e9e directement sur les op\u00e9rations afin de garantir le remboursement des clients en cas de besoin. Le compte doit donc d\u00e9passer la valeur du pied de compte pour autoriser les versements sortants (<code>payout<\/code>).<\/p>\n\n\n<p>Le d\u00e9tail du pied de compte est visible depuis le Portail Marchand :         <span class=\"direction_steps\">\r\n            <span class=\"direction_step\"> Administration <\/span><span class=\"direction_step\"> Versements <\/span><span class=\"direction_step\"> Seuil fixe <\/span>        <\/span>\r\n        <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. La r\u00e9serve glissante<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon le secteur d\u2019activit\u00e9 et les processus de r\u00e8glement du compte, une r\u00e9serve glissante (&#8220;rolling r\u00e9serve&#8221; en anglais) peut \u00eatre automatiquement ouverte. Il s\u2019agit d\u2019une garantie de protection suppl\u00e9mentaire qui permet de maintenir un certain pourcentage du volume d\u2019encaissement sur votre compte de r\u00e9serve afin de permettre l\u2019initiation de remboursements automatiques en cas de contestation de transaction, de fraude ou encore afin de couvrir d\u2019\u00e9ventuels frais op\u00e9rationnels si votre compte de paiement n&#8217;est pas solvable. Cette somme appartient \u00e0 la tr\u00e9sorerie du marchand, elle est gard\u00e9e un nombre d\u00e9fini de jours avant d\u2019\u00eatre lib\u00e9r\u00e9e (g\u00e9n\u00e9ralement entre 90 \u00e0 180 jours).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, le seuil variable de la r\u00e9serve glissante est de 5 % du volume d\u2019encaissement sur 90 jours. Le calcul quotidien du montant de r\u00e9serve est le suivant : montant des transactions encaiss\u00e9es lors des 90 derniers jours * 5 %<\/p>\n\n\n<p>Le d\u00e9tail de la r\u00e9serve glissante est visible depuis le Portail Marchand :         <span class=\"direction_steps\">\r\n            <span class=\"direction_step\"> Administration <\/span><span class=\"direction_step\"> Versements <\/span><span class=\"direction_step\"> Seuil variable <\/span>        <\/span>\r\n        <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La r\u00e9serve\u00a0repr\u00e9sente les sommes qui sont maintenues sur votre compte de r\u00e9serve CentralPay afin de permettre de couvrir les R-transactions (rejets, refus, retours, remboursements, contestations, impay\u00e9s) lorsque votre compte de paiement n&#8217;est pas solvable. Ses param\u00e8tres sont d\u00e9finis en fonction du profil de risque financier de votre compte et sont actualis\u00e9s en fonction de l&#8217;analyse [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":13762,"menu_order":13,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-9544","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Principes de r\u00e9serve - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/informations-generales\/ouvrir-un-compte-centralpay\/principes-de-reserve\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Principes de r\u00e9serve - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"La r\u00e9serve\u00a0repr\u00e9sente les sommes qui sont maintenues sur votre compte de r\u00e9serve CentralPay afin de permettre de couvrir les R-transactions (rejets, refus, retours, remboursements, contestations, impay\u00e9s) lorsque votre compte de paiement n&#8217;est pas solvable. 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