[{"data":1,"prerenderedAt":3155},["ShallowReactive",2],{"de-blog/bargeldloser-zahlungsverkehr":3,"de-global-content":740,"de-article-global-content":2060,"de-blog-article-more-articles-213437494":2318},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":727,"full_slug":728,"sort_by_date":42,"position":729,"tag_list":730,"is_startpage":27,"parent_id":731,"meta_data":42,"group_id":732,"first_published_at":733,"release_id":42,"lang":48,"path":42,"alternates":734,"default_full_slug":735,"translated_slugs":736},"Bargeldloser Zahlungsverkehr für Unternehmen","2022-11-02T18:06:03.854Z","2026-09-25T11:59:40.587Z","2026-09-25T11:59:40.614Z",213437494,"9f56e060-464e-4046-8974-0bb8d0f13dba",{"_uid":11,"roles":12,"title":4,"author":13,"topics":58,"content":91,"category":620,"language":646,"component":633,"heroMedia":647,"sidebarCta":654,"publishedAt":655,"readingTime":656,"redirectUrl":25,"listingImage":657,"metaDescription":658,"componentsAfterTheArticle":659},"c788b009-9f81-49d5-9c3c-be2054bf98bf",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":40,"full_slug":41,"sort_by_date":42,"position":43,"tag_list":44,"is_startpage":27,"parent_id":45,"meta_data":42,"group_id":46,"first_published_at":47,"release_id":42,"lang":48,"path":42,"alternates":49,"default_full_slug":50,"translated_slugs":51,"_stopResolving":57},"Cristina Fesiuc","2022-10-19T17:43:49.042Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:22.413Z",206167988,"ad587c90-3a4f-4974-bd06-8350eb767925",{"_uid":21,"name":14,"links":22,"picture":23,"lastName":28,"component":29,"firstName":30,"description":31},"c44a779e-1510-434e-ab2b-034ed8da722b",[],{"alt":24,"name":25,"focus":25,"title":25,"filename":24,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/433x433/292f5b9b7c/cristina-fesiuc.jpg","","asset",false,"Fesiuc","author","Cristina",{"type":32,"content":33},"doc",[34],{"type":35,"content":36},"paragraph",[37],{"text":38,"type":39},"Cristina Fesiuc lebt seit 5 Jahren in Paris, spricht fließend 4 Sprachen und hat eine große Leidenschaft für Content und Social Media Marketing. Aktuell unterstützt sie Spendesk bei redaktionellen Inhalten auf dem deutschen Blog.","text","cristina-fesiuc","de/blog/author/cristina-fesiuc",null,-920,[],176408854,"10458377-eff1-46b7-ab3a-9b5346cbd467","2022-11-02T15:25:42.758Z","de",[],"blog/author/cristina-fesiuc",[52,54,55],{"path":50,"name":42,"lang":53,"published":42},"fr",{"path":50,"name":42,"lang":48,"published":42},{"path":50,"name":42,"lang":56,"published":42},"es",true,[59],{"name":60,"created_at":61,"published_at":62,"updated_at":63,"id":64,"uuid":65,"content":66,"slug":78,"full_slug":79,"sort_by_date":42,"position":80,"tag_list":81,"is_startpage":27,"parent_id":82,"meta_data":42,"group_id":83,"first_published_at":84,"release_id":42,"lang":48,"path":42,"alternates":85,"default_full_slug":86,"translated_slugs":87,"_stopResolving":57},"Firmenkreditkarte","2022-10-19T17:57:57.018Z","2026-09-29T09:14:14.380Z","2026-09-29T09:14:14.395Z",206171430,"960fb4eb-b934-4613-ab97-e88b6a69f128",{"seo":67,"_uid":75,"name":76,"component":77},[68],{"_uid":69,"noIndex":27,"component":70,"metaFields":71},"a281e47d-9fce-4e91-8c1e-6a08dba008b9","seo",{"_uid":72,"plugin":73,"description":74},"2c9ae355-0a93-40af-a365-5bb063f69eaf","meta-fields","Alles rund um die Firmenkreditkarte: Auswahlkriterien, Ausgabenkontrolle und wie Unternehmenskarten den Zahlungsalltag vereinfachen.","dbcf681f-6b39-42cc-84bc-b6ef13703d5b","Firmenkreditkarten","tag","firmenkreditkarte","de/blog/topic/firmenkreditkarte",-340,[],176456153,"fa0725d2-ef5d-4e5d-9932-4eecc7c1912e","2022-11-02T15:24:46.112Z",[],"blog/topic/firmenkreditkarte",[88,89,90],{"path":86,"name":42,"lang":53,"published":42},{"path":86,"name":42,"lang":48,"published":57},{"path":86,"name":42,"lang":56,"published":42},{"type":32,"content":92},[93,113,117,128,137,144,152,157,161,205,211,221,226,276,281,291,296,306,310,315,323,327,332,342,380,384,389,414,439,447,452,456,481,486,496,501,526,531,558,591,604,614],{"type":35,"content":94},[95,97,106,108,111],{"text":96,"type":39},"Während gefühlt die ganze Welt auf ein ",{"text":98,"type":39,"marks":99},"bargeldloses System zusteuert",[100],{"type":101,"attrs":102},"link",{"href":103,"uuid":42,"anchor":42,"target":104,"linktype":105},"https://www.thredd.com/resources/industry-insights/physical-wallets","_blank","url",{"text":107,"type":39},", vollständig ohne Bargeld auszukommen, gilt in Deutschland immer noch oft „nur Bares ist Wahres”. Und obwohl wir Deutschen Bargeld lieben, und wir es am häufigsten zum Zahlen verwenden, zeigt ",{"text":109,"type":39,"marks":110},"eine Studie der Deutschen Bundesbank",[],{"text":112,"type":39},", dass die Verwendung von Bargeld zunehmend abnimmt.",{"type":35,"content":114},[115],{"text":116,"type":39},"Die Verbraucher:innen von heute greifen beim Einkaufen immer häufiger auf bargeldlose Zahlungsmittel zurück. Dieser Trend wurde insbesondere durch die Covid-19-Pandemie vorangetrieben - und blieb seither bestehen. ",{"type":35,"content":118},[119,121,126],{"text":120,"type":39},"Unternehmen sollten sich also mehr denn je auf den ",{"text":122,"type":39,"marks":123},"bargeldlosen Zahlungsverkehr",[124],{"type":125},"bold",{"text":127,"type":39}," einstellen, um mit den Wünschen ihrer Kund:innen Schritt halten zu können.",{"type":129,"attrs":130},"blok",{"id":131,"body":132},"29abf059-b58c-4c0c-98a3-87c39b495a10",[133],{"_uid":134,"html":135,"component":136},"i-85a6654d-8be1-41b8-84e7-2574a93bc5e3","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-c87ce8a0-ec12-4b5e-b7ef-01c327054a0d\">\u003Cspan class=\"hs-cta-node hs-cta-c87ce8a0-ec12-4b5e-b7ef-01c327054a0d\" id=\"hs-cta-c87ce8a0-ec12-4b5e-b7ef-01c327054a0d\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/c87ce8a0-ec12-4b5e-b7ef-01c327054a0d\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-c87ce8a0-ec12-4b5e-b7ef-01c327054a0d\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/c87ce8a0-ec12-4b5e-b7ef-01c327054a0d.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, 'c87ce8a0-ec12-4b5e-b7ef-01c327054a0d', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":138,"attrs":139,"content":141},"heading",{"level":140},2,[142],{"text":143,"type":39},"Was ist bargeldloser Zahlungsverkehr?",{"type":35,"content":145},[146,150],{"text":147,"type":39,"marks":148},"Bei bargeldlosen Transaktionen wird elektronisch und ohne die Verwendung von Papier- oder Münzgeld gezahlt.",[149],{"type":125},{"text":151,"type":39}," Stattdessen werden Karten oder Konten verwendet, die direkt mit den Bankkonten oder digitalen Konten der Kund:innen verbunden sind. Dabei gibt es verschiedene Arten von bargeldlosen Zahlungssystemen (siehe nächster Abschnitt).",{"type":138,"attrs":153,"content":154},{"level":140},[155],{"text":156,"type":39},"Welche bargeldlosen Zahlungsarten gibt es?",{"type":35,"content":158},[159],{"text":160,"type":39},"Es gibt zahlreiche Möglichkeiten, wie ein:e Nutzer:in bargeldlos bezahlen kann. Typische Methoden sind die folgenden:",{"type":162,"content":163},"bullet_list",[164,173,181,189,197],{"type":165,"content":166},"list_item",[167],{"type":35,"content":168},[169],{"text":170,"type":39,"marks":171},"Überweisungen",[172],{"type":125},{"type":165,"content":174},[175],{"type":35,"content":176},[177],{"text":178,"type":39,"marks":179},"Kartenzahlungen",[180],{"type":125},{"type":165,"content":182},[183],{"type":35,"content":184},[185],{"text":186,"type":39,"marks":187},"Lastschriftverfahren",[188],{"type":125},{"type":165,"content":190},[191],{"type":35,"content":192},[193],{"text":194,"type":39,"marks":195},"Scheck",[196],{"type":125},{"type":165,"content":198},[199],{"type":35,"content":200},[201],{"text":202,"type":39,"marks":203},"Mobile Zahlungsdienste",[204],{"type":125},{"type":138,"attrs":206,"content":208},{"level":207},3,[209],{"text":210,"type":39},"1. Überweisungen",{"type":35,"content":212},[213,215,219],{"text":214,"type":39},"Mithilfe von Banküberweisungen werden Gelder ",{"text":216,"type":39,"marks":217},"zwischen zwei Konten übertragen",[218],{"type":125},{"text":220,"type":39},". Der oder die Absenderin tätigt die Zahlung bei der überweisenden Bank und gibt den Namen des Empfängers, die Kontonummer und den überwiesenen Betrag an. Die Bearbeitung der meisten Überweisungen kann dabei bis zu zwei Werktage dauern.",{"type":138,"attrs":222,"content":223},{"level":207},[224],{"text":225,"type":39},"2. Kartenzahlungen",{"type":35,"content":227},[228,230,246,250,264,268,270,274],{"text":229,"type":39},"Kartenzahlungen mit ",{"text":231,"type":39,"marks":232},"Kredit",[233,245],{"type":101,"attrs":234},{"href":235,"uuid":236,"anchor":42,"target":237,"linktype":238,"story":239},"/de/blog/firmenkreditkarte-fuer-mitarbeiter","1876dab5-6809-4789-885e-c4b07b1d55e2","_self","story",{"name":240,"id":241,"uuid":236,"slug":242,"url":243,"full_slug":244,"_stopResolving":57},"Kreditkarten für Mitarbeiter - welches Modell passt zu Ihrer Firma?",208785709,"firmenkreditkarte-fuer-mitarbeiter","blog/firmenkreditkarte-fuer-mitarbeiter","de/blog/firmenkreditkarte-fuer-mitarbeiter",{"type":125},{"text":247,"type":39,"marks":248},"- und ",[249],{"type":125},{"text":251,"type":39,"marks":252},"Debitkarten",[253,263],{"type":101,"attrs":254},{"href":255,"uuid":256,"anchor":42,"target":237,"linktype":238,"story":257},"/de/glossary/debitkarte","05894c7a-eabc-4acc-9e33-6b91196448c2",{"name":258,"id":259,"uuid":256,"slug":260,"url":261,"full_slug":262,"_stopResolving":57},"Debitkarte",213422057,"debitkarte","glossary/debitkarte","de/glossary/debitkarte",{"type":125},{"text":265,"type":39,"marks":266}," sind die beliebteste und am weitesten verbreitete Form",[267],{"type":125},{"text":269,"type":39}," des bargeldlosen Zahlungsverkehrs. Der/die Zahlungsempfänger:in legt einfach seine Karte vor oder gibt seine Kartendaten ein, um eine Zahlung zu tätigen. Darüber hinaus können die Karten mit ",{"text":271,"type":39,"marks":272},"mobilen Wallet-Apps verbunden oder für kontaktlose Zahlungen",[273],{"type":125},{"text":275,"type":39}," verwendet werden.",{"type":138,"attrs":277,"content":278},{"level":207},[279],{"text":280,"type":39},"3. Lastschriftverfahren",{"type":35,"content":282},[283,285,289],{"text":284,"type":39},"Mit dem Lastschriftverfahren lassen sich Gelder von Bank zu Bank überweisen. ",{"text":286,"type":39,"marks":287},"Mit einer Einzugsermächtigung erteilt der/die KontoinhaberIn der Bank die Erlaubnis",[288],{"type":125},{"text":290,"type":39},", zu einem bestimmten Zeitpunkt Geld abzubuchen und an die andere Partei zu überweisen.",{"type":138,"attrs":292,"content":293},{"level":207},[294],{"text":295,"type":39},"4. Scheck",{"type":35,"content":297},[298,300,304],{"text":299,"type":39},"Bei einem Scheck handelt es sich um ein ",{"text":301,"type":39,"marks":302},"schriftliches Dokument, das die Überweisung von Geldbeträgen von einer Person zur anderen gestattet",[303],{"type":125},{"text":305,"type":39},", ohne dass ein Bargeldtransport oder ein elektronisches System erforderlich ist.",{"type":35,"content":307},[308],{"text":309,"type":39},"Auf dem Scheck ist der Betrag angegeben, der von dem/der Kontoinhaber:in abgehoben werden soll. Die Bank nimmt dann die Auszahlung des Betrags vor.",{"type":138,"attrs":311,"content":312},{"level":207},[313],{"text":314,"type":39},"5. Mobile Zahlungsdienste",{"type":35,"content":316},[317,319],{"text":318,"type":39},"Zu den mobilen Zahlungen gehören Apple Pay, Samsung Pay, Google Pay, AliPay und viele andere. ",{"text":320,"type":39,"marks":321},"Sie befinden sich auf Smartphones und anderen Geräten wie Smartwatches und können als NFC- oder kontaktlose Zahlungen verwendet werden.",[322],{"type":125},{"type":35,"content":324},[325],{"text":326,"type":39},"Dank ihnen können Zahlungen schnell, praktisch und sicher abgewickelt werden, da sie das Speichern, Senden und Empfangen von Geld ermöglichen. Ein:e Nutzer:in kann durch einfache Verknüpfung mit einem Bankkonto Geld zu seiner Wallet hinzufügen und dort verwalten.",{"type":138,"attrs":328,"content":329},{"level":140},[330],{"text":331,"type":39},"4 Vorteile von bargeldlosem Zahlungsverkehr für Unternehmen",{"type":35,"content":333},[334,336,340],{"text":335,"type":39},"Die Umstellung auf bargeldlosen Zahlungsverkehr ",{"text":337,"type":39,"marks":338},"bietet erhebliche Vorteile",[339],{"type":125},{"text":341,"type":39},". So können Unternehmen, die kein Bargeld verwalten müssen, sowohl Zeit sparen als auch den Prozess des Kassierens und die Buchhaltung vereinfachen. Und zwar aus den folgenden Gründen:",{"type":343,"attrs":344,"content":347},"ordered_list",{"order":345,"key":346},1,"ol-0",[348,356,364,372],{"type":165,"content":349},[350],{"type":35,"content":351},[352],{"text":353,"type":39,"marks":354},"Geringes Risiko",[355],{"type":125},{"type":165,"content":357},[358],{"type":35,"content":359},[360],{"text":361,"type":39,"marks":362},"Zeitersparnis",[363],{"type":125},{"type":165,"content":365},[366],{"type":35,"content":367},[368],{"text":369,"type":39,"marks":370},"Geringere Betriebsausgaben",[371],{"type":125},{"type":165,"content":373},[374],{"type":35,"content":375},[376],{"text":377,"type":39,"marks":378},"Mehr Kontrolle",[379],{"type":125},{"type":35,"content":381},[382],{"text":383,"type":39},"Warum? Wir erklären es Ihnen! ",{"type":138,"attrs":385,"content":386},{"level":207},[387],{"text":388,"type":39},"1. Geringes Risiko",{"type":35,"content":390},[391,393,397,399,412],{"text":392,"type":39},"Bei bargeldlosen Zahlungen werden ",{"text":394,"type":39,"marks":395},"mehrere Ebenen von Schutz- und Sicherheitsmaßnahmen durchlaufen",[396],{"type":125},{"text":398,"type":39},", wie z.B. verschiedene Stufen der Verschlüsselung und Datenauthentifizierung, die bei anderen ",{"text":400,"type":39,"marks":401},"Zahlungsmethoden",[402],{"type":101,"attrs":403},{"href":404,"uuid":405,"anchor":42,"target":237,"linktype":238,"story":406},"/de/blog/zahlungsarten","79ad9f51-a5b2-4f55-ab76-b3cd0ce8d3ae",{"name":407,"id":408,"uuid":405,"slug":409,"url":410,"full_slug":411,"_stopResolving":57},"Zahlungsarten im Vergleich: Optionen für Flexibilität & Sicherheit in Unternehmen",404955253,"zahlungsarten","blog/zahlungsarten","de/blog/zahlungsarten",{"text":413,"type":39}," nicht gegeben sind.",{"type":35,"content":415},[416,418,431,433,437],{"text":417,"type":39},"Vor allem bei der ",{"text":419,"type":39,"marks":420},"Bezahlung mit Bargeld, wie beispielsweise mit der Portokasse",[421],{"type":101,"attrs":422},{"href":423,"uuid":424,"anchor":42,"target":237,"linktype":238,"story":425},"/de/blog/bargeldloses-bezahlen","d1a326a4-5fac-4ef1-8443-e29d95641d9e",{"name":426,"id":427,"uuid":424,"slug":428,"url":429,"full_slug":430,"_stopResolving":57},"Bargeldloses Bezahlen in Unternehmen: Weg mit der Portokasse!",208785674,"bargeldloses-bezahlen","blog/bargeldloses-bezahlen","de/blog/bargeldloses-bezahlen",{"text":432,"type":39},", wird ein großes Sicherheitsrisiko eingegangen. Denn im Gegensatz zu anderen Zahlungsmitteln ist ",{"text":434,"type":39,"marks":435},"die Rückverfolgung von Bargeld praktisch unmöglich.",[436],{"type":125},{"text":438,"type":39}," Dies macht das gesamte System der Portokasse anfällig für Missbrauch oder Betrug, und darüber hinaus hat das Unternehmen keine Kontrolle über jegliche Zahlungen.",{"type":35,"content":440},[441,443],{"text":442,"type":39},"Auch geteilte Firmenkarten sind keine gute Idee, auch wenn sie vielleicht einfacher und bequemer erscheint. ",{"text":444,"type":39,"marks":445},"Die gemeinsam genutzte Karte kann nämlich in die falschen Hände geraten und somit das Konto überziehen.",[446],{"type":125},{"type":138,"attrs":448,"content":449},{"level":207},[450],{"text":451,"type":39},"2. Zeitersparnis",{"type":35,"content":453},[454],{"text":455,"type":39},"Überlegen Sie einmal, wie viel Zeit ein Unternehmen, und vor allem Ihr Finanzteam, für die Verwaltung von Bargeld aufbringen muss. Regelmäßige Fahrten zur Bank, um Einzahlungen vorzunehmen, und die Abrechnung am Ende eines jeden Tages ist erforderlich.",{"type":35,"content":457},[458,460,473,475,479],{"text":459,"type":39},"Sowohl für Verbraucher:innen als auch für Unternehmen ist der ",{"text":461,"type":39,"marks":462},"elektronische Zahlungsverkehr",[463],{"type":101,"attrs":464},{"href":465,"uuid":466,"anchor":42,"target":237,"linktype":238,"story":467},"/de/blog/eingangsrechnungsverarbeitung","17da76be-fd20-4644-aa5b-dee2bdc0b727",{"name":468,"id":469,"uuid":466,"slug":470,"url":471,"full_slug":472,"_stopResolving":57},"Eingangsrechnungen automatisieren: So verarbeiten Sie Rechnungen schneller und fehlerfrei",208785714,"eingangsrechnungsverarbeitung","blog/eingangsrechnungsverarbeitung","de/blog/eingangsrechnungsverarbeitung",{"text":474,"type":39}," wesentlich bequemer und geht in der Regel viel schneller als Bargeld. Dank der ",{"text":476,"type":39,"marks":477},"schnelleren Abwicklung des bargeldlosen Zahlungsverkehrs ist die Zeit, die für die Zahlungen benötigt wird, viel kürzer",[478],{"type":125},{"text":480,"type":39},".",{"type":138,"attrs":482,"content":483},{"level":207},[484],{"text":485,"type":39},"3. Geringere Betriebsausgaben",{"type":35,"content":487},[488,490,494],{"text":489,"type":39},"Ganz gleich, ob es sich um physische Bankeinzahlungen oder die Verwaltung der Portokasse des Unternehmens handelt. Die damit verbundenen ",{"text":491,"type":39,"marks":492},"Kosten für die Mitarbeitende summieren sich, während die Umstellung auf bargeldlosen Zahlungsverkehr zur Senkung der Betriebskosten",[493],{"type":125},{"text":495,"type":39}," beitragen kann.",{"type":138,"attrs":497,"content":498},{"level":207},[499],{"text":500,"type":39},"4. 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So verlieren sie keine wertvolle Zeit und können sich auf wichtigere Tätigkeiten konzentrieren.",{"_uid":2242,"title":2243,"component":666,"description":2244},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","Wie funktioniert Spendesk?",{"type":32,"content":2245},[2246],{"type":35,"content":2247},[2248,2250,2251,2252,2256,2257,2259,2260,2261,2263,2264,2265,2269,2270,2272,2273,2274,2276,2277,2278,2280,2284,2286,2287,2288,2290,2291,2292],{"text":2249,"type":39},"Spendesk bietet modernen Unternehmen die passenden Zahlungsmethoden und eine leistungsstarke Plattform zur Verwaltung von Ausgaben. Dazu gehören Debitkarten als Ersatz für altmodische Firmenkreditkarten, virtuelle Karten für Online-Zahlungen und automatisierte Spesenabrechnungen.",{"type":2094},{"type":2094},{"text":2253,"type":39,"marks":2254},"Für Beschäftigte",[2255],{"type":125},{"type":2094},{"text":2258,"type":39},"Die Teammitglieder müssen Ausgaben nicht mehr aus eigener Tasche vorstrecken. 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Der Vergleich 2026 zeigt Unterschiede bei Kontrolle, Sicherheit, Belegen und DATEV-Anbindung – inkl. Entscheidungshilfe.",[],[2381],{"_uid":2382,"items":2383,"heading":2560,"reverse":27,"component":718,"sectionSettings":2577},"8a1596d0-2e20-4164-8545-f1fbebd2d846",[2384,2412,2446,2473,2540],{"_uid":2385,"title":2386,"component":666,"description":2387},"fdfee5a3-511a-426f-bd38-8441000722d3","Debitkarte oder Kreditkarte fürs Unternehmen – was ist besser?",{"type":32,"content":2388},[2389],{"type":35,"attrs":2390,"content":2391},{"textAlign":42},[2392,2398,2400,2405,2407],{"text":2393,"type":39,"marks":2394},"Für die meisten deutschen Unternehmen ist die ",[2395],{"type":1816,"attrs":2396},{"color":2397},"oklch(0.147 0.004 49.25)",{"text":2399,"type":39},"Firmen-Debitkarte",{"text":2401,"type":39,"marks":2402}," die bessere Wahl: Sie bucht sofort vom Firmenkonto ab, ermöglicht Echtzeit-Kontrolle über alle Ausgaben und lässt sich mit vorab festgelegten Budgets pro Mitarbeiter:in versehen. ",[2403],{"type":1816,"attrs":2404},{"color":2397},{"text":2406,"type":39},"Kreditkarten",{"text":2408,"type":39,"marks":2409}," sind dann sinnvoll, wenn ein Zahlungsziel von bis zu 30 Tagen oder hohe Verfügungsrahmen gebraucht werden – typischerweise für Vielreisende oder Führungskräfte. In der Praxis kombinieren viele Unternehmen beide Kartentypen und ergänzen sie um virtuelle Karten für Online-Ausgaben.",[2410],{"type":1816,"attrs":2411},{"color":2397},{"_uid":2413,"title":2414,"component":666,"description":2415},"0b385d6a-4732-49af-a008-e5df89f189ac","Wann sollte ein Unternehmen virtuelle Karten nutzen und wie reduzieren sie das Betrugsrisiko?",{"type":32,"content":2416},[2417],{"type":35,"attrs":2418,"content":2419},{"textAlign":42},[2420,2425,2427,2432,2434,2439,2441],{"text":2421,"type":39,"marks":2422},"Virtuelle Karten eignen sich für ",[2423],{"type":1816,"attrs":2424},{"color":2397},{"text":2426,"type":39},"alle Online-Zahlungen",{"text":2428,"type":39,"marks":2429},", insbesondere Software-Abonnements, Werbeanzeigen (Google, Meta, LinkedIn), einmalige Online-Käufe und Zahlungen an unbekannte Anbieter. 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Erst diese Kombination macht die Firmenkarte zu einem echten Spend-Management-Tool.",[2471],{"type":1816,"attrs":2472},{"color":2397},{"_uid":2474,"title":2475,"component":666,"description":2476},"3e115e59-06dd-4cde-9688-a8548de1ddf3","Welche Anbieter liefern sowohl virtuelle als auch physische Firmenkarten – und worauf sollte ich achten?",{"type":32,"content":2477},[2478],{"type":35,"attrs":2479,"content":2480},{"textAlign":42},[2481,2486,2488,2493,2495,2500,2502,2506,2508,2512,2514,2519,2521,2526,2528,2533,2535],{"text":2482,"type":39,"marks":2483},"Zu den etablierten Anbietern in Europa zählen unter anderem ",[2484],{"type":1816,"attrs":2485},{"color":2397},{"text":2487,"type":39},"Spendesk, Pleo, Moss, Payhawk und Qonto",{"text":2489,"type":39,"marks":2490}," – alle bieten physische Debitkarten in Kombination mit virtuellen Karten und integriertem Spend-Management. Bei der Auswahl sollten Sie prüfen: native ",[2491],{"type":1816,"attrs":2492},{"color":2397},{"text":2494,"type":39},"DATEV-Anbindung",{"text":2496,"type":39,"marks":2497},", ",[2498],{"type":1816,"attrs":2499},{"color":2397},{"text":2501,"type":39},"GoBD-konforme Belegarchivierung",{"text":2496,"type":39,"marks":2503},[2504],{"type":1816,"attrs":2505},{"color":2397},{"text":2507,"type":39},"Freigabe-Workflows und Rollenmodell",{"text":2496,"type":39,"marks":2509},[2510],{"type":1816,"attrs":2511},{"color":2397},{"text":2513,"type":39},"Multi-Entity-Fähigkeit",{"text":2515,"type":39,"marks":2516}," bei mehreren Gesellschaften, die ",[2517],{"type":1816,"attrs":2518},{"color":2397},{"text":2520,"type":39},"Lizenzierung des Zahlungsdienstleisters",{"text":2522,"type":39,"marks":2523}," (BaFin/ACPR/FCA), die ",[2524],{"type":1816,"attrs":2525},{"color":2397},{"text":2527,"type":39},"Kostenstruktur",{"text":2529,"type":39,"marks":2530}," (pro Karte oder pro Nutzer:in) sowie vorhandene ",[2531],{"type":1816,"attrs":2532},{"color":2397},{"text":2534,"type":39},"Integrationen",{"text":2536,"type":39,"marks":2537}," in ERP-, HR- und SSO-Systeme.",[2538],{"type":1816,"attrs":2539},{"color":2397},{"_uid":2541,"title":2542,"component":666,"description":2543},"63501c77-b608-4b63-bbce-503a784ce6b0","Sind Debitkarten für Unternehmen eine bessere Alternative zur klassischen Spesenabrechnung?",{"type":32,"content":2544},[2545],{"type":35,"attrs":2546,"content":2547},{"textAlign":42},[2548,2553,2555],{"text":2549,"type":39,"marks":2550},"Ja, in nahezu allen Fällen. 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Erfahren Sie, wie Finanzteams Betrugserkennung, Ausgabenkontrolle und EU-AI-Act-Pflichten richtig einordnen.\n",[3008],{"cta":3009,"_uid":3016,"image":3017,"title":3019,"subtitle":3032,"component":2103,"imageFullWidth":27},[3010],{"tag":25,"_uid":3011,"hide":27,"icon":3012,"link":3014,"type":25,"label":1375,"style":780,"component":781,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27,"isDownloadable":27},"7ca13635-10a5-44bd-9976-cf487114b99c",{"id":42,"alt":42,"name":25,"focus":42,"title":42,"source":42,"filename":25,"copyright":42,"fieldtype":26,"meta_data":3013},{},{"id":1367,"url":25,"linktype":238,"fieldtype":771,"cached_url":1368,"prep":57,"story":3015},{"name":1370,"id":1371,"uuid":1367,"slug":1372,"url":1373,"full_slug":1374,"_stopResolving":57},"00e7fa21-8fa4-439f-931d-db3a7c696a5b",{"id":42,"alt":42,"name":25,"focus":42,"title":42,"source":42,"filename":25,"copyright":42,"fieldtype":26,"meta_data":3018},{},{"type":32,"attrs":3020,"content":3021},{"backgroundColor":42},[3022],{"type":35,"attrs":3023,"content":3024},{"textAlign":42},[3025],{"text":3026,"type":39,"marks":3027},"KI-basierte Ausgabenkontrolle mit Spendesk",[3028,3030],{"type":1816,"attrs":3029},{"color":2088},{"type":2090,"attrs":3031},{"class":2165},"Mehr Kontrolle über Ausgaben, ohne Finanzteams mit manuellen Prüfungen zu überlasten: Sehen Sie, wie Spendesk feste Ausgabenregeln, Freigaben und intelligente Automatisierung verbindet.",[3034],{"cta":3035,"_uid":3036,"items":3037,"heading":3122,"reverse":27,"component":718,"sectionSettings":3142},[],"22a317b7-dce3-4d47-bc83-9842b1a5b3a4",[3038,3052,3066,3080,3094,3108],{"_uid":3039,"hide":27,"title":3040,"component":666,"description":3041},"e5119dc1-d032-4d0a-8199-3ce16836b803","Ist eine Betrugserkennung auf Firmenkarten nach dem EU AI Act Hochrisiko-KI?",{"type":32,"attrs":3042,"content":3043},{"backgroundColor":42},[3044],{"type":35,"attrs":3045,"content":3046},{"textAlign":42},[3047],{"text":3048,"type":39,"marks":3049},"Nicht automatisch. Eine Funktion, die einzelne Kartenzahlungen zur Betrugserkennung markiert, fällt nicht automatisch unter die Hochrisiko-Kategorie für Kreditwürdigkeitsprüfungen. Die konkrete Einordnung hängt jedoch vom Zweck, den Daten und den Auswirkungen der Funktion ab.",[3050],{"type":1816,"attrs":3051},{"color":2088},{"_uid":3053,"hide":27,"title":3054,"component":666,"description":3055},"cd09c91b-319a-4d6a-af5d-06b39a3d03a0","Sind automatische Kartensperren verboten?",{"type":32,"attrs":3056,"content":3057},{"backgroundColor":42},[3058],{"type":35,"attrs":3059,"content":3060},{"textAlign":42},[3061],{"text":3062,"type":39,"marks":3063},"Nein. Eine automatische Sperre ist nicht grundsätzlich verboten. Kritisch wird sie, wenn sie auf personenbezogenen Verhaltensprofilen basiert oder ohne ausreichende Kontrolle erhebliche Auswirkungen auf Mitarbeitende hat.",[3064],{"type":1816,"attrs":3065},{"color":2088},{"_uid":3067,"hide":27,"title":3068,"component":666,"description":3069},"b5957dea-beda-473b-86db-a46691e019fd","Sind Kartenlimits mit künstlicher Intelligenz verbunden?",{"type":32,"attrs":3070,"content":3071},{"backgroundColor":42},[3072],{"type":35,"attrs":3073,"content":3074},{"textAlign":42},[3075],{"text":3076,"type":39,"marks":3077},"Nicht unbedingt. Ein festgelegtes Limit oder eine Händlerkategorie ist in der Regel eine regelbasierte Kontrolle. Ein System, das Limits aus dem individuellen Verhalten von Mitarbeitenden ableitet, sollte dagegen gesondert geprüft werden.",[3078],{"type":1816,"attrs":3079},{"color":2088},{"_uid":3081,"hide":27,"title":3082,"component":666,"description":3083},"a35acaf5-319d-45ba-99d4-7350738c5ab7","Muss der Betriebsrat beteiligt werden?",{"type":32,"attrs":3084,"content":3085},{"backgroundColor":42},[3086],{"type":35,"attrs":3087,"content":3088},{"textAlign":42},[3089],{"text":3090,"type":39,"marks":3091},"Das kann erforderlich sein, wenn die Kartenplattform objektiv geeignet ist, Verhalten oder Leistung von Mitarbeitenden zu überwachen. Ob das der Fall ist, hängt von der konkreten Funktion und ihrer Nutzung ab.",[3092],{"type":1816,"attrs":3093},{"color":2088},{"_uid":3095,"hide":27,"title":3096,"component":666,"description":3097},"6ac87d90-f6e7-414f-9413-d3c8629fc0a3","Wie lange müssen Protokolle aufbewahrt werden?",{"type":32,"attrs":3098,"content":3099},{"backgroundColor":42},[3100],{"type":35,"attrs":3101,"content":3102},{"textAlign":42},[3103],{"text":3104,"type":39,"marks":3105},"Für Betreiber von Hochrisiko-Systemen sieht der EU AI Act grundsätzlich eine Aufbewahrung automatisch erzeugter Protokolle von mindestens sechs Monaten vor, soweit die Protokolle unter ihrer Kontrolle stehen. Für andere Systeme sollte die Aufbewahrung gemeinsam mit Datenschutz und Compliance festgelegt werden.",[3106],{"type":1816,"attrs":3107},{"color":2088},{"_uid":3109,"hide":27,"title":3110,"component":666,"description":3111},"59e96f5c-3e1d-4614-8634-f77b39ecb97e","Was sollte ein Anbieter zum EU AI Act nachweisen?",{"type":32,"attrs":3112,"content":3113},{"backgroundColor":42},[3114],{"type":35,"attrs":3115,"content":3116},{"textAlign":42},[3117],{"text":3118,"type":39,"marks":3119},"Der Anbieter sollte für jede KI-Funktion Zweck, Risikoeinstufung, Datenverarbeitung, Modellgrenzen, Protokollierung, menschliche Übersteuerung und Informationspflichten erläutern. Eine allgemeine Aussage zur Konformität reicht nicht aus.",[3120],{"type":1816,"attrs":3121},{"color":2088},[3123],{"cta":3124,"_uid":3125,"title":3126,"layout":25,"eyebrow":3134,"subtitle":3137,"component":138,"textAlign":25,"eyebrowPill":27,"checkmarkList":27,"flexibleSection":3140,"sectionSettings":3141,"displaySeparator":27,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":25},[],"24105627-2457-4af8-8f12-d60c1c9731a0",{"type":32,"attrs":3127,"content":3128},{"backgroundColor":42},[3129],{"type":35,"attrs":3130,"content":3131},{"textAlign":42},[3132],{"text":3133,"type":39},"Häufige Fragen zu KI auf Firmenkarten",{"type":32,"content":3135},[3136],{"type":35},{"type":32,"content":3138},[3139],{"type":35},[],[],[],"ki-firmenkarten-eu-ai-act","de/blog/ki-firmenkarten-eu-ai-act",-4180,[],"25910b64-9ca3-4fa7-9d52-614ec9742dcb","2026-11-06T19:46:07.094Z",[],"blog/ki-firmenkarten-eu-ai-act",[3152,3153,3154],{"path":3150,"name":42,"lang":53,"published":42},{"path":3150,"name":42,"lang":48,"published":42},{"path":3150,"name":42,"lang":56,"published":42},1794233357690]