{"id":388024,"date":"2025-11-21T20:19:54","date_gmt":"2025-11-21T19:19:54","guid":{"rendered":"https:\/\/www.webdo.tn\/fr\/?p=388024"},"modified":"2025-11-22T07:29:10","modified_gmt":"2025-11-22T06:29:10","slug":"paiements-en-tunisie-les-lettres-de-change-explosent-les-cheques-seffondrent","status":"publish","type":"post","link":"https:\/\/www.webdo.tn\/fr\/actualite\/national\/paiements-en-tunisie-les-lettres-de-change-explosent-les-cheques-seffondrent\/388024\/","title":{"rendered":"Paiements en Tunisie : Les lettres de change explosent, les ch\u00e8ques s\u2019effondrent"},"content":{"rendered":"\n<p>La Banque centrale de Tunisie (BCT) constate un basculement majeur dans les moyens de paiement : les op\u00e9rations par lettres de change ont bondi de 160% \u00e0 fin septembre 2025, tandis que les transactions par ch\u00e8ques ont fortement recul\u00e9. Ces \u00e9volutions, publi\u00e9es dans le bulletin \u00ab Paiements en chiffres \u00bb, t\u00e9moignent d\u2019un changement profond dans les habitudes des usagers et des entreprises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-les-lettres-de-change-en-plein-essor\">Les lettres de change en plein essor<\/h2>\n\n\n\n<p>Selon la BCT, les lettres de change ont atteint 3,4 millions d\u2019op\u00e9rations sur les neuf premiers mois de l\u2019ann\u00e9e, totalisant 39,78 milliards de dinars. Cette progression spectaculaire (+160%) contraste fortement avec le recul des ch\u00e8ques, confirmant une adoption accrue des supports num\u00e9riques s\u00e9curis\u00e9s.<\/p>\n\n\n\n<p>Le taux de rejet de ces instruments reste notable : 10,2% pour les lettres de change.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-chute-massive-des-paiements-par-cheques\">Chute massive des paiements par ch\u00e8ques<\/h2>\n\n\n\n<p>Les ch\u00e8ques enregistrent une baisse nette de 67,9%, ne totalisant que 5,9 millions d\u2019op\u00e9rations pour un volume de 40,212 milliards de dinars. Leur taux de rejet, plus faible que celui des lettres de change, s\u2019\u00e9tablit \u00e0 2,2%.<\/p>\n\n\n\n<p>Cette tendance confirme un d\u00e9clin structurel du ch\u00e8que comme instrument privil\u00e9gi\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-virements-cartes-dab-et-paiements-electroniques-les-autres-chiffres-cles\">Virements, cartes, DAB et paiements \u00e9lectroniques : les autres chiffres cl\u00e9s<\/h2>\n\n\n\n<p>La BCT fait \u00e9tat d\u2019une hausse des virements, atteignant 28,1 millions d\u2019op\u00e9rations (+10,2%) pour un volume de 58 milliards de dinars.<\/p>\n\n\n\n<p>Le parc de cartes bancaires a progress\u00e9 de 6,4%, d\u00e9passant les 5,8 millions de cartes.<\/p>\n\n\n\n<p>En revanche, le nombre de DAB\/GAB a l\u00e9g\u00e8rement recul\u00e9 \u00e0 3290 appareils (-0,5%).<\/p>\n\n\n\n<p>C\u00f4t\u00e9 paiements \u00e9lectroniques :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E-paiement : +19% \u2192 14,1 millions d\u2019op\u00e9rations<\/li>\n\n\n\n<li>Paiement de proximit\u00e9 via TPE : +16,3% \u2192 34,8 millions d\u2019op\u00e9rations<\/li>\n\n\n\n<li>Sites marchands actifs : +2% \u2192 1 148 sites<\/li>\n\n\n\n<li>TPE install\u00e9s : +9,2% \u2192 42,8 mille appareils<\/li>\n<\/ul>\n\n\n\n<p>Ces chiffres confirment une transition acc\u00e9l\u00e9r\u00e9e vers les moyens de paiement d\u00e9mat\u00e9rialis\u00e9s, port\u00e9e par la transformation num\u00e9rique, l\u2019extension de l\u2019e-commerce et les efforts des banques pour moderniser les outils de transaction. Le ch\u00e8que glisse d\u00e9sormais en arri\u00e8re-plan, tandis que les lettres de change et les paiements \u00e9lectroniques prennent une place pr\u00e9pond\u00e9rante.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Lire aussi<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.webdo.tn\/fr\/actualite\/national\/paiements-en-tunisie-un-basculement-des-cheques-vers-lettres-de-change-et-solutions-numeriques\/383637\/\">Paiements en Tunisie : Un basculement des ch\u00e8ques vers lettres de change et solutions num\u00e9riques<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.webdo.tn\/fr\/actualite\/national\/tunisie-le-recours-au-cheque-divise-par-trois\/387663\/\">Tunisie : Le recours au ch\u00e8que divis\u00e9 par trois<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.webdo.tn\/fr\/actualite\/national\/paiement-mobile-un-boom-en-tunisie-malgre-des-technologies-limitees\/220111\/\">Paiement mobile : un boom en Tunisie malgr\u00e9 des technologies limit\u00e9es<\/a><\/li>\n<\/ul>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>La Banque centrale de Tunisie (BCT) constate un basculement majeur dans les moyens de paiement : les op\u00e9rations par lettres de change ont bondi de 160% \u00e0 fin septembre 2025, tandis que les transactions par ch\u00e8ques ont fortement recul\u00e9. Ces \u00e9volutions, publi\u00e9es dans le bulletin \u00ab Paiements en chiffres \u00bb, t\u00e9moignent d\u2019un changement profond dans [&hellip;]<\/p>\n","protected":false},"author":3191,"featured_media":388025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[2807,13258,12878,4142,2608],"class_list":["post-388024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","tag-bct","tag-cheque-2","tag-lettre-de-change","tag-paiement-bancaire","tag-tunisie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Paiements en Tunisie : Les lettres de change explosent, les ch\u00e8ques s\u2019effondrent - webdo<\/title>\n<meta name=\"description\" content=\"Analysez la tendance des paiements en Tunisie : les lettres de change 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