{"id":986,"date":"2017-08-02T10:37:13","date_gmt":"2017-08-02T08:37:13","guid":{"rendered":"http:\/\/blog.swikly.com\/2017\/08\/02\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/"},"modified":"2025-03-11T11:00:25","modified_gmt":"2025-03-11T10:00:25","slug":"alternative-aux-cheques-cautions-et-acomptes-numeriques","status":"publish","type":"post","link":"https:\/\/www.swikly.com\/en\/hpa\/2017\/08\/alternative-to-bonds-and-numeric-accounts\/","title":{"rendered":"Alternative to cheques: digital deposits and deposits!"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"986\" class=\"elementor elementor-986\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-102ebc8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"102ebc8f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75ed867e\" data-id=\"75ed867e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-512b1b8a elementor-widget elementor-widget-text-editor\" data-id=\"512b1b8a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>The cheque is a\u00a0<strong>national payment system<\/strong> which follows the laws of the jurisdiction in which it is used. Therefore, its legislative framework varies from one country to another. <strong>On the margins in industrialized countries<\/strong>However, it is still used in the United States, Canada, the United Kingdom and particularly in France. It is a written document allowing the <strong>shooter<\/strong> (issuer) to pay the <strong>drawn<\/strong> (receiver) without delay.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":50} --><\/p>\n<div style=\"height: 50px;\" aria-hidden=\"true\">\u00a0<\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2><strong>The origins of the cheque<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>At <strong>18th<\/strong> In the 19th century, the Bank of England had a monopoly on bank notes. English bankers could no longer issue banknotes. So they <strong>invented<\/strong> a new payment method : <strong>the check<\/strong>.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Cheques arrived in France in the 19th century, they were only used in <strong>issued by the Banque de France<\/strong> under the name of \" <strong>blank mandates<\/strong> \". They became more democratic in the 20th century, becoming mandatory for certain operations. In order to fight against the black market during the <strong>World War II<\/strong>the issuance of <strong>chequebooks becomes free.<\/strong> As time goes by, the cheque becomes more and more <strong>regulated<\/strong>. For example, the Banque de France has set up a census of unpaid cheques. Later, sanctions will be introduced against issuers of bad cheques.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":50} --><\/p>\n<div style=\"height: 50px;\" aria-hidden=\"true\">\u00a0<\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2><strong>The check and France today<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The <strong>France<\/strong> is one of the countries with <strong>the most use of cheques<\/strong>In 2004, they accounted for 29% of interbank payment transactions, compared with 11% in Europe.\u00a0<span style=\"font-size: 23.04px; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Cheques are still used in France. Out of every 10 cheque payments made in Europe, 9 are made in France \ud83c\uddeb\ud83c\uddf7<\/span><\/p>\n<p>\u00a0<\/p>\n<p>However, the <strong>previous decades<\/strong> have demonstrated a <strong>overall decrease<\/strong> of its use: between 2006 and 2010 the number of payments by cheque fell by 25%. This decline can be explained by the increasing use of bank cards, transfers and <strong>digital payment methods which are in full evolution<\/strong>.<\/p>\n<p>And there's more to come: cheques continue to be used less and less, particularly since the Covid-19 pandemic, as these statistics show:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d8b1ed elementor-widget elementor-widget-heading\" data-id=\"2d8b1ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b><span style=\"font-family: Lato, sans-serif;font-size: 23.04px\">Number of payments by cheque in France (Source: Statista)<\/span><\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f1ca09 elementor-widget elementor-widget-image\" data-id=\"9f1ca09\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"696\" height=\"439\" src=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/Capture-decran-2025-03-11-a-10.48.50.png\" class=\"attachment-large size-large wp-image-12399\" alt=\"Cheque use in France\" srcset=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/Capture-decran-2025-03-11-a-10.48.50.png 696w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/Capture-decran-2025-03-11-a-10.48.50-300x189.png 300w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/Capture-decran-2025-03-11-a-10.48.50-18x12.png 18w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ebfc77 elementor-widget elementor-widget-text-editor\" data-id=\"9ebfc77\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><strong style=\"color: var( --e-global-color-text ); font-family: inherit; font-size: 2rem;\">The end of the cheque is already planned<\/strong><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Users have turned to other payment methods for many reasons. Among them, a <strong>complex operation,<\/strong> a <strong>unsecured payment guarantee,<\/strong> an important <strong>ecological impact,<\/strong> etc.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":50} --><\/p>\n<div class=\"wp-block-spacer\" style=\"height: 50px;\" aria-hidden=\"true\">&nbsp;<\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>A significant environmental cost<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>According to a study by Ernst &amp; Young, in 2009 in France <strong>3.3 billion cheques<\/strong> have been issued with an ecological footprint, <strong>representing 20,000 round trips<\/strong> Paris-New York. In comparison, the ecological footprint of <strong>bank cards represents<\/strong> <strong>7,200 round trip Paris-New York<\/strong>.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":50} --><\/p>\n<div class=\"wp-block-spacer\" style=\"height: 50px;\" aria-hidden=\"true\">&nbsp;<\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>The cheque abandoned by its users and suppliers<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The <strong>traders<\/strong> victims of <strong>unpaid, stolen checks<\/strong> or <strong>unfunded<\/strong>&nbsp;are increasingly refusing to accept this form of payment. The<strong> consumers<\/strong> also abandon them by <strong>impracticality<\/strong>They use it as a back-up (e.g. in case of loss of a bank card). The <strong>banks<\/strong> are increasingly reluctant to use them, as they are provided free of charge and their <strong>treatment is very expensive<\/strong>. The <strong>governmental decisions<\/strong> also revealed a willingness to <strong>reduce payments by cheque<\/strong>. This was illustrated by the project to modernise economic life: the <strong>Sapin II law<\/strong>. This law provided for <strong>lower the validity period<\/strong> cheques to 6 months. However, the National Assembly has restored its duration to the initial 1 year and 8 days, with the argument that cheques are still widely used by the elderly. It should be added that the payment industry is particularly dynamic and is a sector of future growth. An opportunity for entrepreneurs who are increasingly establishing themselves in this field.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":50} --><\/p>\n<div class=\"wp-block-spacer\" style=\"height: 50px;\" aria-hidden=\"true\">&nbsp;<\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2><strong>Deposits and guarantees by internet: Swikly replaces cheques<\/strong><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You got it, <strong>the cheque will disappear<\/strong>. Our habits will therefore be shaken up, especially for deposit checks! But don't worry, simple alternatives already exist!<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong><a href=\"https:\/\/www.swikly.com\/en\/\">Swikly<\/a> responds to this evolution<\/strong> by offering a<strong>down payments and deposits by internet<\/strong>. This solution allows you to <strong>secure your reservations simply and quickly<\/strong> You no longer have to deal with cheques, cash or requests for credit card numbers. All you have to do is enter your customer's email and phone number. He will receive a request <strong>e-guarantee or e-account<\/strong> by email and SMS and will be able to enter his bank print very simply. He will not be debited, except in case of damage. With <a href=\"https:\/\/www.swikly.com\/en\/\">Swikly<\/a>you benefit from a <strong>enhanced payment guarantee<\/strong>&nbsp;!<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Between 2000 and 2022, the number of payments by cheque fell by 75%. This fall can be explained by the increasing use of bankcards, credit transfers and digital payment methods, which are in the process of evolving.<\/p>","protected":false},"author":990018,"featured_media":4687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_mo_disable_npp":"","footnotes":""},"categories":[94,100,95],"tags":[127,105,218,219,220,221,152],"post_folder":[],"class_list":["post-986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hpa","category-location-de-vehicules","category-location-saisonniere","tag-acomptes-et-cautions-par-internet","tag-cautions","tag-cheque","tag-e-acompte","tag-e-caution","tag-garantie","tag-paiement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! - Swikly<\/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:\/\/www.swikly.com\/en\/hpa\/2017\/08\/alternative-to-bonds-and-numeric-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! - Swikly\" \/>\n<meta property=\"og:description\" content=\"Entre 2000 et 2022 le nombre de paiements par ch\u00e8que a chut\u00e9 de 75%. Cette baisse s\u2019explique par une utilisation de plus en plus fr\u00e9quente des cartes bancaires, virements et moyens de paiements digitaux qui sont en pleine \u00e9volution.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.swikly.com\/en\/hpa\/2017\/08\/alternative-to-bonds-and-numeric-accounts\/\" \/>\n<meta property=\"og:site_name\" content=\"Swikly\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swikly\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-02T08:37:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-11T10:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/pexels-karolina-grabowska-4475524.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Charles Jung\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@swikly_company\" \/>\n<meta name=\"twitter:site\" content=\"@swikly_company\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Charles Jung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\"},\"author\":{\"name\":\"Charles Jung\",\"@id\":\"https:\/\/www.swikly.com\/#\/schema\/person\/45bba15f3f1a85e94c2fd5730a6684c5\"},\"headline\":\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques !\",\"datePublished\":\"2017-08-02T08:37:13+00:00\",\"dateModified\":\"2025-03-11T10:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\"},\"wordCount\":848,\"publisher\":{\"@id\":\"https:\/\/www.swikly.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/pexels-karolina-grabowska-4475524.jpg\",\"keywords\":[\"acomptes et cautions par internet\",\"cautions\",\"ch\u00e8que\",\"e-acompte\",\"e-caution\",\"garantie\",\"paiement\"],\"articleSection\":[\"H\u00f4tellerie de plein air\",\"Location de v\u00e9hicules\",\"Location saisonni\u00e8re\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\",\"url\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\",\"name\":\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! 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