{"id":7761,"date":"2024-08-02T14:17:55","date_gmt":"2024-08-02T14:17:55","guid":{"rendered":"https:\/\/trustpair.com\/les-5-etapes-du-processus-dachat-et-le-risque-de-fraude-au-virement\/"},"modified":"2024-08-26T13:08:32","modified_gmt":"2024-08-26T13:08:32","slug":"les-5-etapes-du-processus-dachat-et-le-risque-de-fraude-au-virement","status":"publish","type":"post","link":"https:\/\/trustpair.com\/fr\/blog\/les-5-etapes-du-processus-dachat-et-le-risque-de-fraude-au-virement\/","title":{"rendered":"Les 5 \u00e9tapes du processus d\u2019achat et le risque de fraude au virement"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pour \u00e9tablir son approvisionnement, une entreprise suit un <\/span><b>processus d\u2019achat<\/b><span style=\"font-weight: 400;\">, divis\u00e9 en plusieurs \u00e9tapes &#8211; aussi appel\u00e9 <a href=\"https:\/\/trustpair.fr\/blog\/process-procure-to-pay-securise\/\">procure-to-pay<\/a>.\u00a0 \u00c0 partir de l\u2019identification de ses besoins, elle identifie ensuite les solutions pertinentes, les compare, et choisit celle qu\u2019elle estime \u00eatre la meilleure. Le processus d\u2019achat demeure \u00e0 la fois essentiel et r\u00e9current dans ses \u00e9tapes, et <\/span><b>il s\u2019applique \u00e0 tout produit ou service<\/b><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">Du fait de son caract\u00e8re syst\u00e9matique, le processus d\u2019achat comprend plusieurs <\/span><b>risques<\/b><span style=\"font-weight: 400;\">, notamment le <\/span><b>risque de fraude au virement<\/b><span style=\"font-weight: 400;\"> lors de l\u2019\u00e9tape de d\u00e9cision et d\u2019acte d&rsquo;achat. <\/span><span style=\"font-weight: 400;\">D\u00e9couvrez le processus d\u2019achat en entreprise, ses \u00e9tapes, et comment se pr\u00e9munir contre <a href=\"https:\/\/trustpair.fr\/blog\/gestion-risques-achats\/\">les diff\u00e9rents risques achat.<\/a><\/span><\/p>\n<p>Trustpair prot\u00e8ge votre processus d&rsquo;achat et vous prot\u00e8ge des risques fournisseurs gr\u00e2ce \u00e0 un contr\u00f4le continu des donn\u00e9es fournisseurs. <a href=\"https:\/\/trustpair.fr\/demo\/\">Contactez un expert pour en savoir plus !<\/a><\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-89dff89e-1a39-4c9c-9bbc-e93811d86926\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-89dff89e-1a39-4c9c-9bbc-e93811d86926\" class=\"hs-cta-node hs-cta-89dff89e-1a39-4c9c-9bbc-e93811d86926\"><!-- [if lte IE 8]>\n\n\n<div id=\"hs-cta-ie-element\"><\/div>\n\n\n<![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/5278241\/89dff89e-1a39-4c9c-9bbc-e93811d86926\"><img decoding=\"async\" id=\"hs-cta-img-89dff89e-1a39-4c9c-9bbc-e93811d86926\" class=\"hs-cta-img\" style=\"border-width: 0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/5278241\/89dff89e-1a39-4c9c-9bbc-e93811d86926.png\" alt=\"New call-to-action\" \/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(5278241, '89dff89e-1a39-4c9c-9bbc-e93811d86926', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code --><\/p>\n<p>&nbsp;<\/p>\n<h2>Qu\u2019est ce que le processus d\u2019achat dans une entreprise?<\/h2>\n<p><span style=\"font-weight: 400;\">Typiquement, <\/span><b>le processus d\u2019achat d\u00e9signe les diff\u00e9rentes \u00e9tapes amenant un acteur \u00e0 acheter un produit<\/b><span style=\"font-weight: 400;\">. Ce sch\u00e9ma peut s\u2019appliquer aussi bien \u00e0 un individu (un consommateur) \u00e0 la recherche d\u2019un produit qu\u2019une entreprise souhaitant s\u2019approvisionner pour ensuite revendre.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ce parcours se divise typiquement en 5 \u00e9tapes, de l\u2019identification du besoin jusqu\u2019\u00e0 l\u2019\u00e9tablissement du contrat de vente et l\u2019\u00e9valuation post-achat.<\/span><\/p>\n<h2>Les cinq \u00e9tapes du processus d\u2019achat<\/h2>\n<h3>1. La reconnaissance du probl\u00e8me : identifier les besoins de l\u2019entreprise<\/h3>\n<p><span style=\"font-weight: 400;\">L\u2019existence d\u2019un besoin signifie <\/span><b>l\u2019identification d\u2019un probl\u00e8me<\/b><span style=\"font-weight: 400;\">, soit l\u2019\u00e9cart entre la situation actuelle et la situation souhait\u00e9e.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00e8s lors, le gestionnaire des achats doit conna\u00eetre le fonctionnement et les processus logistiques de l\u2019entreprise afin de <\/span><b>d\u00e9terminer les ressources \u00e0 acqu\u00e9rir<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cependant, en fonction des services et collaborateurs de l\u2019entreprise, les besoins et enjeux diff\u00e8rent. Il peut alors \u00eatre int\u00e9ressant de <\/span><b>r\u00e9diger un cahier des charges<\/b><span style=\"font-weight: 400;\"> afin de r\u00e9unir les dol\u00e9ances.<\/span><\/p>\n<h3>2. La recherche de solutions : identifier les fournisseurs<\/h3>\n<p><span style=\"font-weight: 400;\">Maintenant que les besoins de l\u2019entreprise sont identifi\u00e9s, et afin d\u2019acqu\u00e9rir les ressources n\u00e9cessaires, il est n\u00e9cessaire d\u2019identifier les fournisseurs pertinents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dans un premier temps, il s\u2019agit de \u00ab viser large \u00bb en <\/span><b>collectant des informations sur tous les fournisseurs compatibles<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Il est ensuite n\u00e9cessaire d\u2019\u00e9tablir un inventaire afin de les comparer. Plusieurs crit\u00e8res entrent alors en compte, sans exhaustivit\u00e9 :<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">La <\/span><b>qualit\u00e9 des produits<\/b><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>tarifs<\/b><span style=\"font-weight: 400;\"> pratiqu\u00e9s ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>d\u00e9lais de production<\/b><span style=\"font-weight: 400;\"> et de <\/span><b>livraison<\/b><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>L\u2019historique de la soci\u00e9t\u00e9<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Les conditions contractuelles<\/b><span style=\"font-weight: 400;\">, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Comme lors de l\u2019identification des besoins, cette \u00e9tape du processus d\u2019achat est facilit\u00e9e par un cahier des charges. Gr\u00e2ce \u00e0 la comparaison, vous pouvez d\u00e9terminer un \u00ab pool \u00bb de fournisseurs potentiels.<\/span><\/p>\n<h3>3. L\u2019\u00e9valuation des options : lancer un appel d\u2019offre<\/h3>\n<p><span style=\"font-weight: 400;\">L\u2019entreprise ou le gestionnaire du processus d\u2019achat peut d\u00e9sormais contacter les fournisseurs choisis et lancer un appel d\u2019offres. Il faudra veiller \u00e0 joindre :<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>r\u00e8gles, conditions et dates de l\u2019appel d\u2019offres<\/b><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Le <\/span><b>cahier des charges<\/b><span style=\"font-weight: 400;\"> \u00e0 remplir ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>conditions contractuelles<\/b><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Toutes autres termes, toutes indications sp\u00e9cifiques au service, au produit, au secteur d\u2019activit\u00e9, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sur la base des offres propos\u00e9es, il faut ensuite choisir le fournisseur sur la base de crit\u00e8res :<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Le <\/span><b>montant total du devis<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Le <\/span><b>respect des d\u00e9lais de production<\/b><span style=\"font-weight: 400;\"> et de <\/span><b>livraison<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">La <\/span><b>qualit\u00e9 du produit<\/b><span style=\"font-weight: 400;\">, etc.<\/span><\/li>\n<\/ul>\n<h3>4. La d\u00e9cision et l\u2019acte d\u2019achats : \u00e9tablir le contrat de vente<\/h3>\n<p><span style=\"font-weight: 400;\">L\u2019offre propos\u00e9e par le fournisseur n\u2019est pas immuable. A l&rsquo;acheteur de pr\u00e9parer des arguments solides en amont des n\u00e9gociations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apr\u00e8s accord sur l\u2019ensemble des conditions (y compris de rupture, de SAV, de litige, de collaboration marketing etc.), <\/span><b>le contrat de vente peut \u00eatre sign\u00e9<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3>5. L\u2019\u00e9valuation post-achat : R\u00e9colter les avis clients<\/h3>\n<p><span style=\"font-weight: 400;\">Dans cette derni\u00e8re phase du processus d\u2019achat, l\u2019entreprise doit collecter les \u00ab feedback \u00bb des consommateurs, lesquels permettent ainsi d\u2019\u00e9valuer la qualit\u00e9 du partenariat avec le fournisseur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Il est possible de se rapprocher du distributeur directement pour obtenir des avis client, ou encore simplement faire appel au bouche-\u00e0-oreille (proches, connaissances, etc.). Il est \u00e9galement possible de trouver de nombreux retours d\u2019exp\u00e9riences sur :<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>sites d\u2019avis certifi\u00e9s<\/b><span style=\"font-weight: 400;\"> (TrustPilot, etc.) ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>forums de consommateurs<\/b><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Les <\/span><b>r\u00e9seaux sociaux du fournisseur<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Choix du fournisseur et acte d\u2019achat : une \u00e9tape \u00e0 risque<\/h2>\n<h3>Quels sont les risques pesant sur le processus d\u2019achat ?<\/h3>\n<p><span style=\"font-weight: 400;\">Il existe d\u2019abord un risque inh\u00e9rent \u00e0 \u00e9tablir un partenariat avec un fournisseur, \u00e0 savoir le risque de dysfonctionnements et de d\u00e9gradation de l\u2019activit\u00e9 \u00e9conomique : c\u2019est ce qu\u2019on appelle les risques fournisseurs. La <\/span><a href=\"https:\/\/trustpair.fr\/blog\/la-gestion-des-risques-fournisseurs-une-priorite-pour-les-entreprises\" target=\"_blank\" rel=\"noopener\">gestion des risques fournisseurs<\/a> <span style=\"font-weight: 400;\">est d\u00e8s lors essentielle pour <\/span><b>assurer la continuit\u00e9 de l\u2019activit\u00e9 \u00e9conomique de l\u2019entreprise<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>La d\u00e9cision et l\u2019acte d\u2019achat<\/b><span style=\"font-weight: 400;\">, sp\u00e9cifiquement, <\/span><b>sont particuli\u00e8rement \u00e0 risque<\/b><span style=\"font-weight: 400;\">. Puisqu\u2019il y a achat, il y a \u00e9videmment paiement, et c\u2019est donc une opportunit\u00e9 \u00e9vidente pour les fraudeurs. Les <\/span><b>risques cyber<\/b><span style=\"font-weight: 400;\"> (phishing, <a href=\"https:\/\/trustpair.fr\/blog\/ransomware-actions-protection-entreprise\/\" target=\"_blank\" rel=\"noopener\">ransomware<\/a>, malware, etc.) et le <\/span>risque de <a href=\"https:\/\/trustpair.fr\/blog\/fraude-virement-bancaire-comment-se-proteger\/\">fraude au virement<\/a><span style=\"font-weight: 400;\"> doivent donc \u00eatre pris en consid\u00e9ration. La fraude au virement peut prendre plusieurs formes :<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><a href=\"https:\/\/trustpair.fr\/blog\/fraude-au-faux-client-explication-prevention\/\" target=\"_blank\" rel=\"noopener\"><b>Fraude au faux client<\/b><\/a><span style=\"font-weight: 400;\"> ou au <\/span><a href=\"https:\/\/trustpair.fr\/blog\/fraude-au-faux-fournisseur-menace-entreprise\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">faux fournisseur<\/span><\/a><span style=\"font-weight: 400;\"> ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><a href=\"https:\/\/trustpair.fr\/fraude-au-president\/\"><b>Fraude au pr\u00e9sident<\/b> <\/a><span style=\"font-weight: 400;\">(ou au FOVI) ;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><a href=\"https:\/\/trustpair.fr\/blog\/fraude-interne-une-menace-a-contrer\/\" target=\"_blank\" rel=\"noopener\"><b>Fraude interne<\/b><\/a><span style=\"font-weight: 400;\">, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Les fraudeurs s&rsquo;infiltrent dans la cha\u00eene de paiement et d\u00e9tourne la donn\u00e9e fournisseur pour effectuer des virements frauduleux. La solution ? Adopter des solution d\u00e9di\u00e9e comme Trustpair pour se pr\u00e9munir contre le risque de fraude.<\/span><\/p>\n<p>Pour en savoir plus sur la gestion des risques fournisseurs, <a href=\"https:\/\/trustpair.fr\/livre-blanc\/guide-pratique-onboarding-fournisseurs\/\">t\u00e9l\u00e9chargez notre livre blanc !<\/a><\/p>\n<p><!--HubSpot Call-to-Action Code --><span id=\"hs-cta-wrapper-3699a95b-e4ad-43a1-9003-f672b1072af8\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-3699a95b-e4ad-43a1-9003-f672b1072af8\" class=\"hs-cta-node hs-cta-3699a95b-e4ad-43a1-9003-f672b1072af8\"><!-- [if lte IE 8]>\n\n\n<div id=\"hs-cta-ie-element\"><\/div>\n\n\n<![endif]--><a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/5278241\/3699a95b-e4ad-43a1-9003-f672b1072af8\"><img decoding=\"async\" id=\"hs-cta-img-3699a95b-e4ad-43a1-9003-f672b1072af8\" class=\"hs-cta-img\" style=\"border-width: 0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/5278241\/3699a95b-e4ad-43a1-9003-f672b1072af8.png\" alt=\"New call-to-action\" \/><\/a><\/span><script charset=\"utf-8\" src=\"https:\/\/js.hscta.net\/cta\/current.js\"><\/script><script type=\"text\/javascript\"> hbspt.cta.load(5278241, '3699a95b-e4ad-43a1-9003-f672b1072af8', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); <\/script><\/span><!-- end HubSpot Call-to-Action Code --><\/p>\n<h3>Comment pr\u00e9venir la fraude au virement dans le processus d\u2019achat ?<\/h3>\n<p><span style=\"font-weight: 400;\">Les risques de fraude et<\/span> <span style=\"font-weight: 400;\">les risques cyber r\u00e9sultent souvent de l\u2019erreur humaine<\/span><span style=\"font-weight: 400;\"> et, dans un premier temps, il est donc essentiel de former les collaborateurs aux bonnes pratiques num\u00e9riques et de cybers\u00e9curit\u00e9. Cela est d\u2019autant plus vrai pour les services critiques les plus \u00e0 risque, comme les Directions Financi\u00e8res.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La meilleure option est d\u2019\u00e9quiper l\u2019entreprise d&rsquo;une <\/span><b>solution technologique anti-fraude<\/b><span style=\"font-weight: 400;\">, comme\u00a0<\/span> <b>Trustpair<\/b><span style=\"font-weight: 400;\">. Notre plateforme SaaS s\u00e9curise l\u2019ensemble des paiements lors du processus d\u2019achat, gr\u00e2ce \u00e0 la v\u00e9rification continue des donn\u00e9es tiers. <\/span><b>Trustpair contr\u00f4le le couple coordonn\u00e9es bancaires \/ identit\u00e9 de l\u2019entreprise automatiquement et en temps r\u00e9el<\/b><span style=\"font-weight: 400;\">. L\u2019entreprise est prot\u00e9g\u00e9e contre le risque de fraude au virement.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour \u00e9tablir son approvisionnement, une entreprise suit un processus d\u2019achat, divis\u00e9 en plusieurs \u00e9tapes &#8211; aussi appel\u00e9 procure-to-pay.\u00a0 \u00c0 partir de l\u2019identification de ses besoins, elle identifie ensuite les solutions pertinentes, les compare, et choisit celle qu\u2019elle estime \u00eatre la meilleure. Le processus d\u2019achat demeure \u00e0 la fois essentiel et r\u00e9current dans ses \u00e9tapes, et [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7762,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[85],"tags":[],"class_list":["post-7761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fraude-virement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les 5 \u00e9tapes du processus d\u2019achat et le risque de fraude<\/title>\n<meta name=\"description\" content=\"Le processus d&#039;achat est compos\u00e9 de 5 \u00e9tapes et est l&#039;une des \u00e9tapes du processus Procure-to-Pay. 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