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Sie hat an der Sorbonne deutsch-französisches Marketing studiert und lebt seit 10 Jahren in Paris.","text","nina-meyer","de/blog/author/nina-meyer",-390,[],176408854,"fdf5326b-a851-4b05-ba93-4dfd53539243","2022-11-02T15:26:00.557Z",[],"blog/author/nina-meyer",[97,98,99],{"path":95,"name":15,"lang":50,"published":15},{"path":95,"name":15,"lang":45,"published":15},{"path":95,"name":15,"lang":53,"published":15},[],{"type":79,"content":102},[103,107,118,119,126,148,156,168,173,177,187,191,217,233,238,242,272,276,277,282,286,304,308,313,323,328,338,343,347,353,358,368,373,377,383,411,431,436,446],{"type":82,"content":104},[105],{"text":106,"type":86},"Die Jagd nach Belegen erfreut weder Finanzteams noch Mitarbeiter. Das ist nicht überraschend, denn wer hat schon Lust, seine Kollegen vor jedem Monatsabschluss zu ermahnen, dass da noch etwas fehlt? Und wer möchte umgekehrt wie ein Schulkind ständig an verschollene Belege erinnert werden? Die Lösung heißt “Play by the Rules” von Spendesk.",{"type":82,"content":108},[109,111,116],{"text":110,"type":86},"Das Feature erinnert die Mitarbeiter daran, ihre Belege hochzuladen, und gibt Finanzteams die Möglichkeit, ",{"text":112,"type":86,"marks":113},"neue Ausgaben von Mitarbeitern vorübergehend zu blockieren",[114],{"type":115},"bold",{"text":117,"type":86},", bis sie alle fehlenden Belege eingereicht haben. Die negativ besetzte Aufgabe, die Kollegen zu ermahnen, fällt für das Finanzteam weg. So schafft es “Play by the Rules”, im gesamten Unternehmen bessere Gewohnheiten durchzusetzen.",{"type":82},{"type":120,"attrs":121,"content":123},"heading",{"level":122},3,[124],{"text":125,"type":86},"Die Jagd nach Belegen gleicht einem Hindernislauf",{"type":82,"content":127},[128,130,146],{"text":129,"type":86},"Die dezentralisierte Verwaltung von Geschäftsausgaben mit einem regelkonformen und effizientem Belegmanagement zu kombinieren ist keine leichte Aufgabe. Wenn Mitarbeiter für etwas bezahlen, kommt es vor, dass sie den Beleg nicht aufbewahren oder ihn mit dem Ticket der Kredit- oder ",{"text":131,"type":86,"marks":132},"Debitkarte",[133],{"type":134,"attrs":135},"link",{"href":136,"uuid":137,"anchor":15,"custom":138,"target":139,"linktype":18,"story":140},"/fr/blog/debitkarten-fur-unternehmen","db6abfa9-1664-40de-a920-9bd1584fa03f",{},"_self",{"name":141,"id":142,"uuid":137,"slug":143,"url":144,"full_slug":145,"_stopResolving":21},"Firmen-Debitkarte vs. Kreditkarte: Der Vergleich 2026",214315910,"debitkarten-fur-unternehmen","blog/debitkarten-fur-unternehmen","de/blog/debitkarten-fur-unternehmen",{"text":147,"type":86}," verwechseln. Die daraus resultierende Suche nach den Belegen gleicht einer Schnitzeljagd und kostet allen Beteiligten wertvolle Zeit und dem Unternehmen damit auch Geld.",{"type":82,"content":149},[150,154],{"text":151,"type":86,"marks":152},"Für das Finanzteam führt kein Weg an den Belegen vorbei",[153],{"type":115},{"text":155,"type":86},", sie werden benötigt, um Zahlungen abzugleichen, die Mehrwertsteuer erstattet zu bekommen und um im Falle einer Rechnungsprüfung einen Nachweis für die Ausgaben erbringen zu können. Hier kommt “Play By the Rules” von Spendesk ins Spiel.",{"type":82,"content":157},[158],{"type":159,"attrs":160,"marks":163},"image",{"alt":161,"src":162,"title":15,"copyright":15},"1200x628_PBR_H_2_DE","https://get.spendesk.com/hubfs/1200x628_PBR_H_2_DE.png",[164],{"type":134,"attrs":165},{"href":166,"uuid":15,"anchor":15,"custom":167,"target":15,"linktype":71},"https://www.spendesk.com/de/lp/play-by-the-rules",{},{"type":120,"attrs":169,"content":170},{"level":122},[171],{"text":172,"type":86},"Mehr Verantwortung übernehmen",{"type":82,"content":174},[175],{"text":176,"type":86},"Bei Spendesk ermöglichen wir es unseren Nutzern schon immer, ihre Belege mit einem Klick hochzuladen (ein Foto genügt). Doch trotz dieser modernen Lösung für Ausgabenmanagement und einer benutzerfreundlichen mobilen App sind nicht alle Nutzer immer sehr gewissenhaft mit ihren Belegen. Mancher häuft sogar mehrere fehlende Belege an.",{"type":82,"content":178},[179,181,185],{"text":180,"type":86},"Deshalb haben wir mit dem neuen Feature “Play by the Rules” zusätzliche Regeln zu Spendesk hinzugefügt. ",{"text":182,"type":86,"marks":183},"Es besteht die Möglichkeit, Nutzer vorübergehend zu blockieren, bis sie ihre fehlenden Belege hochgeladen haben.",[184],{"type":115},{"text":186,"type":86}," Das heißt die Person kann erst wieder mit einer virtuellen oder physischen Karte bezahlen, wenn sie alle Belege in Spendesk hochgeladen hat.",{"type":82,"content":188},[189],{"text":190,"type":86},"Das Finanzteam kann dafür zwei Parameter festlegen:",{"type":192,"content":193},"bullet_list",[194,205],{"type":195,"content":196},"list_item",[197],{"type":82,"content":198},[199,203],{"text":200,"type":86,"marks":201},"Autorisierte Verspätung",[202],{"type":115},{"text":204,"type":86},": So viele Tage hat der Nutzer Zeit, um seine Belege einzureichen. Danach zählen sie als zu spät.",{"type":195,"content":206},[207],{"type":82,"content":208},[209,211,215],{"text":210,"type":86},"D",{"text":212,"type":86,"marks":213},"ie maximale Beleganzahl",[214],{"type":115},{"text":216,"type":86},", d.h. die Anzahl der zu spät eingereichten Belege, die für diesen Nutzer autorisiert sind.",{"type":82,"content":218},[219,221,225,227,231],{"text":220,"type":86},"Diese Funktion gibt dem Finanzteam ",{"text":222,"type":86,"marks":223},"mehr Kontrolle",[224],{"type":115},{"text":226,"type":86},", gleichzeitig behalten die Mitarbeiter ",{"text":228,"type":86,"marks":229},"ihre Freiheit",[230],{"type":115},{"text":232,"type":86}," und können online und unterwegs autonom bezahlen. Wie genau das funktioniert, erfahren sie im nächsten Abschnitt.",{"type":120,"attrs":234,"content":235},{"level":122},[236],{"text":237,"type":86},"So funktioniert “Play by the Rules” mit Spendesk",{"type":82,"content":239},[240],{"text":241,"type":86},"Play by the Rules wurde mit Spendesk-Nutzern entwickelt und kann folgendermaßen in Spendesk eingerichtet werden.",{"type":243,"attrs":244,"content":247},"ordered_list",{"order":245,"key":246},1,"ol-0",[248,254,260,266],{"type":195,"content":249},[250],{"type":82,"content":251},[252],{"text":253,"type":86},"Die Finanzabteilung legt die allgemeinen Regeln für das Unternehmen fest, d.h. nach wie vielen Tagen die Belege spätestens eingereicht werden müssen, und wie viele fehlende Belege toleriert werden.",{"type":195,"content":255},[256],{"type":82,"content":257},[258],{"text":259,"type":86},"Die Mitarbeiter bezahlen wie gewohnt mit virtuellen und physischen Karten.",{"type":195,"content":261},[262],{"type":82,"content":263},[264],{"text":265,"type":86},"Alle Mitarbeiter werden automatisch an die Regeln erinnert.",{"type":195,"content":267},[268],{"type":82,"content":269},[270],{"text":271,"type":86},"Wenn ein Nutzer die maximale Anzahl der fehlenden Belege überschreitet und sich nicht an die Regeln hält, wird seine Karte gesperrt, bis die Belege hochgeladen wurden.",{"type":82,"content":273},[274],{"text":275,"type":86},"Das Finanzteam kann in einem Dashboard überprüfen, wie wirksam die festgelegten Regeln sind, und diese wenn nötig anpassen.",{"type":82},{"type":120,"attrs":278,"content":279},{"level":122},[280],{"text":281,"type":86},"Mehr eingereichte Belege",{"type":82,"content":283},[284],{"text":285,"type":86},"Unsere Kunden lieben “Play by the Rules” und die Ergebnisse sprechen für sich:",{"type":192,"content":287},[288,296],{"type":195,"content":289},[290],{"type":82,"content":291},[292],{"text":293,"type":86,"marks":294},"Im Durchschnitt werden 98% aller Belege eingereicht",[295],{"type":115},{"type":195,"content":297},[298],{"type":82,"content":299},[300],{"text":301,"type":86,"marks":302},"Die Belege werden doppelt so schnell hochgeladen",[303],{"type":115},{"type":82,"content":305},[306],{"text":307,"type":86},"Dieses Feature kann natürlich in Kombination mit allen bereits vorhandenen Spendesk-Funktionen verwendet werden, um die Erfassung gültiger Belege zu erleichtern:",{"type":120,"attrs":309,"content":310},{"level":122},[311],{"text":312,"type":86},"Belege unterwegs hochladen, mit der Spendesk App",{"type":82,"content":314},[315,317,321],{"text":316,"type":86},"Unterwegs können Sie Ihre ",{"text":318,"type":86,"marks":319},"Belege dank der mobilen Spendesk App im Handumdrehen hochladen",[320],{"type":115},{"text":322,"type":86},". 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Damit Sie nicht von zukünftigen Zahlungen geblockt werden, können Sie in Spendesk einen sogenannten ",{"text":363,"type":86,"marks":364},"Eigenbeleg ausstellen",[365],{"type":115},{"text":367,"type":86},". Die Finanzbehörden müssen Eigenbelege anerkennen, sofern die Ausgabe tatsächlich betrieblich oder beruflich bedingt ist und die Höhe der Ausgabe glaubhaft erscheint. Ihr Unternehmen ist also im Falle eines Audits trotzdem compliant. Dennoch bleiben Eigenbelege eine Notlösung und sollten nur in Ausnahmefällen erstellt werden.",{"type":120,"attrs":369,"content":370},{"level":122},[371],{"text":372,"type":86},"Wie muss ein gültiger Beleg aussehen?",{"type":82,"content":374},[375],{"text":376,"type":86},"Es kommt außerdem regelmäßig vor, dass Mitarbeiter anstelle des Belegs ein ungültiges Dokument wie z.B. das Ticket der Kreditkarte einreichen. Bei Spendesk erinnern wir die Mitarbeiter unserer Kunden regelmäßig daran, wie ein gültiger Beleg aussehen sollte. Er muss neben dem Namen und der Adresse des Anbieters das Kaufdatum, eine Auflistung aller Artikel, den Anteil der Mehrwertsteuer und natürlich den Gesamtpreis enthalten.",{"type":82,"content":378},[379],{"type":159,"attrs":380},{"alt":381,"src":382,"title":15,"copyright":15},"Valid_Receipt_DE_1","https://get.spendesk.com/hubfs/Valid_Receipt_DE_1.png",{"type":82,"content":384},[385,387,391,405,409],{"text":386,"type":86},"Wenn ein Mitarbeiter einen Beleg z.B. fälschlicherweise mit einem Kreditkartenticket verwechselt, kann das Finanzteam ",{"text":388,"type":86,"marks":389},"diese ",[390],{"type":115},{"text":392,"type":86,"marks":393},"Quittung",[394,404],{"type":134,"attrs":395},{"href":396,"uuid":397,"anchor":15,"custom":398,"target":139,"linktype":18,"story":399},"/was-ist-eine-quittung","c7b3fad2-460d-4368-8b02-6c1ca8e8231d",{},{"name":400,"id":401,"uuid":397,"slug":402,"url":402,"full_slug":403,"_stopResolving":21},"Ask Page: Was ist eine Quittung?",130863545,"was-ist-eine-quittung","de/was-ist-eine-quittung",{"type":115},{"text":406,"type":86,"marks":407}," direkt in Spendesk als ungültig markieren",[408],{"type":115},{"text":410,"type":86}," und in einem Kommentar hinzufügen, aus welchen Gründen dieses Ticket nicht akzeptiert werden kann. So können sich das Finanzteam und die Mitarbeiter schneller miteinander austauschen.",{"type":82,"content":412},[413,415,429],{"text":414,"type":86},"Diese digitalisierte Form der Belegverwaltung hat für das Finanzteam außerdem den Vorteil, dass die Papierbelege nach dem Einscannen bzw. Fotografieren vernichtet werden dürfen, soweit sie nicht nach außersteuerlichen oder steuerlichen Vorschriften im Original aufzubewahren sind. Hier finden Sie weitere Erklärungen ",{"text":416,"type":86,"marks":417},"zum Thema digitale Buchhaltung",[418],{"type":134,"attrs":419},{"href":420,"uuid":421,"anchor":15,"custom":422,"target":139,"linktype":18,"story":423},"/fr/blog/digitale-buchhaltung","a13f796a-e2f2-4ce2-a5c7-b49b7140e409",{},{"name":424,"id":425,"uuid":421,"slug":426,"url":427,"full_slug":428,"_stopResolving":21},"Digitale Buchhaltung – so arbeiten Finanzteams papierlos",208802461,"digitale-buchhaltung","blog/digitale-buchhaltung","de/blog/digitale-buchhaltung",{"text":430,"type":86},".",{"type":120,"attrs":432,"content":433},{"level":122},[434],{"text":435,"type":86},"Testen Sie jetzt die automatisierte Belegverwaltung",{"type":82,"content":437},[438,440,444],{"text":439,"type":86},"Spendesk und “Play by the Rules” erleichtern es Ihnen, eine gesunde Ausgabenkultur im Unternehmen aufzubauen. Mit klaren Vorteilen für das Finanzteam, die Manager und alle Mitarbeiter ",{"text":441,"type":86,"marks":442},"schaffen Sie das richtige Gleichgewicht zwischen Kontrolle und Effizienz",[443],{"type":115},{"text":445,"type":86}," bei der Verwaltung von Firmenausgaben.",{"type":82,"content":447},[448],{"text":449,"type":86,"marks":450},"Testen Sie Spendesk und die Funktion \"Play by the Rules\" jetzt kostenlos.",[451],{"type":134,"attrs":452},{"href":453,"uuid":454,"anchor":15,"custom":455,"target":139,"linktype":18,"story":456},"/fr/lp/play-by-the-rules","ea1540a8-6f01-4ef6-a3b1-9b2c52dad529",{},{"name":457,"id":458,"uuid":454,"slug":459,"url":460,"full_slug":461,"_stopResolving":21},"Give Finance a break. 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Die Teilnahme und der tatsächliche Leistungsumfang hängen von den Programmvoraussetzungen ab.",[2764],{"type":1226,"attrs":2765},{"color":1990},{"_uid":2767,"hide":24,"title":2768,"component":506,"description":2769},"434afec3-e040-455f-b817-737c4fe69bb1","Haben Spendesk, Pleo und Payhawk eine DATEV-Anbindung?",{"type":79,"content":2770},[2771],{"type":82,"attrs":2772,"content":2773},{"textAlign":15},[2774],{"text":2775,"type":86,"marks":2776},"Alle drei Anbieter werden im DATEV-Marktplatz mit entsprechenden Anbindungen aufgeführt. Die konkrete technische Umsetzung kann sich jedoch unterscheiden. 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Erfahren Sie, wie Unternehmen verstreute Ausgaben erkennen, steuern und systematisch reduzieren.",[],[2865],{"cta":2866,"_uid":2867,"items":2868,"heading":2934,"reverse":24,"component":559,"sectionSettings":2956},[],"06d23238-be95-4e08-8779-f528eb21f371",[2869,2882,2895,2908,2921],{"_uid":2870,"hide":24,"title":2871,"component":506,"description":2872},"4e3deae4-bf33-4270-9862-bf0050366202","Was genau ist Tail Spend?",{"type":79,"content":2873},[2874],{"type":82,"attrs":2875,"content":2876},{"textAlign":15},[2877],{"text":2878,"type":86,"marks":2879},"Tail Spend bezeichnet viele kleine, häufig nicht strategische Ausgaben, die sich auf zahlreiche Lieferanten, Kostenstellen und Transaktionen verteilen.",[2880],{"type":1226,"attrs":2881},{"color":1990},{"_uid":2883,"hide":24,"title":2884,"component":506,"description":2885},"ee94d83d-6a73-4de1-8b94-c01f2c59abd7","Ist Tail Spend dasselbe wie indirekte Beschaffung?",{"type":79,"content":2886},[2887],{"type":82,"attrs":2888,"content":2889},{"textAlign":15},[2890],{"text":2891,"type":86,"marks":2892},"Nein. 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Tail Spend bezeichnet den kleinteiligen und häufig weniger gesteuerten Teil dieser Ausgaben.",[2893],{"type":1226,"attrs":2894},{"color":1990},{"_uid":2896,"hide":24,"title":2897,"component":506,"description":2898},"12f9d5ec-13b7-4b3b-b16b-553fe2587f8e","Was ist Maverick Buying?",{"type":79,"content":2899},[2900],{"type":82,"attrs":2901,"content":2902},{"textAlign":15},[2903],{"text":2904,"type":86,"marks":2905},"Maverick Buying sind Einkäufe, die außerhalb der festgelegten Beschaffungsprozesse erfolgen, etwa ohne erforderliche Freigabe oder bei nicht freigegebenen Lieferanten.",[2906],{"type":1226,"attrs":2907},{"color":1990},{"_uid":2909,"hide":24,"title":2910,"component":506,"description":2911},"0d03c927-3d25-454c-8f8f-64d2a786932f","Wie lassen sich Software-Abos besser kontrollieren?",{"type":79,"content":2912},[2913],{"type":82,"attrs":2914,"content":2915},{"textAlign":15},[2916],{"text":2917,"type":86,"marks":2918},"Mit einem zentralen Verzeichnis, klaren Verantwortlichkeiten, dokumentierten Laufzeiten und regelmäßigen Prüfungen von Nutzung, Kosten und Verlängerungen.",[2919],{"type":1226,"attrs":2920},{"color":1990},{"_uid":2922,"hide":24,"title":2923,"component":506,"description":2924},"7442c65f-fa82-44c2-9161-596372f9cf67","Sind virtuelle Karten eine Lösung für Tail Spend?",{"type":79,"content":2925},[2926],{"type":82,"attrs":2927,"content":2928},{"textAlign":15},[2929],{"text":2930,"type":86,"marks":2931},"Sie können kleine oder wiederkehrende Ausgaben besser begrenzen, zuordnen und kontrollieren. Sie ersetzen jedoch keine Ausgabenrichtlinie, keine Freigabeprozesse und kein Vertragsmanagement.",[2932],{"type":1226,"attrs":2933},{"color":1990},[2935],{"cta":2936,"_uid":2937,"title":2938,"eyebrow":2948,"subtitle":2951,"component":120,"textAlign":12,"eyebrowPill":24,"checkmarkList":24,"flexibleSection":2954,"sectionSettings":2955,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":12},[],"c231ffdc-8128-4141-9f4c-a226522c6bd2",{"type":79,"content":2939},[2940],{"type":120,"attrs":2941,"content":2942},{"level":548,"textAlign":15},[2943],{"text":2944,"type":86,"marks":2945},"Häufige Fragen zum Tail-Spend-Management",[2946],{"type":1226,"attrs":2947},{"color":1990},{"type":79,"content":2949},[2950],{"type":82},{"type":79,"content":2952},[2953],{"type":82},[],[],[],"kontrolle-kleine-ausgaben-tail-spend-management","de/blog/kontrolle-kleine-ausgaben-tail-spend-management",-2270,[],"88c05a2a-e795-4670-8d84-c3baea07a722",[],"blog/kontrolle-kleine-ausgaben-tail-spend-management",[2965,2966,2967],{"path":2963,"name":15,"lang":50,"published":15},{"path":2963,"name":15,"lang":45,"published":15},{"path":2963,"name":15,"lang":53,"published":15},{"name":2969,"created_at":2970,"published_at":2971,"updated_at":2972,"id":2973,"uuid":2974,"content":2975,"slug":3098,"full_slug":3099,"sort_by_date":15,"position":3100,"tag_list":3101,"is_startpage":24,"parent_id":572,"meta_data":15,"group_id":3102,"first_published_at":3103,"release_id":15,"lang":45,"path":15,"alternates":3104,"default_full_slug":3105,"translated_slugs":3106},"Bedarfsanforderung im Unternehmen: BANF-Prozess, Rollen und digitale Umsetzung","2026-07-28T08:42:17.002Z","2026-07-28T11:00:09.687Z","2026-07-28T11:00:09.709Z",202909847600792,"3f672628-e166-49b9-aa83-e043e1928a4b",{"_uid":2976,"title":2969,"topics":2977,"noIndex":24,"category":2986,"language":2995,"component":476,"heroMedia":2996,"publishedAt":2852,"redirectUrl":12,"listingImage":2997,"metaDescription":3006,"bottomArticleCta":3007,"componentsAfterTheArticle":3008},"b8035ef2-8d2b-4172-97b0-c0d500ef629c",[2978],{"name":646,"created_at":2824,"published_at":30,"updated_at":2825,"id":2826,"uuid":2827,"content":2979,"slug":648,"full_slug":2830,"sort_by_date":15,"position":2831,"tag_list":2980,"is_startpage":24,"parent_id":2237,"meta_data":15,"group_id":2833,"first_published_at":2834,"release_id":15,"lang":45,"path":15,"alternates":2981,"default_full_slug":2836,"translated_slugs":2982,"_stopResolving":21},{"_uid":2829,"name":646,"component":37},[],[],[2983,2984,2985],{"path":2836,"name":15,"lang":50,"published":15},{"path":2836,"name":15,"lang":45,"published":15},{"path":2836,"name":15,"lang":53,"published":15},{"name":464,"created_at":465,"published_at":30,"updated_at":466,"id":467,"uuid":468,"content":2987,"slug":476,"full_slug":477,"sort_by_date":15,"position":40,"tag_list":2989,"is_startpage":24,"parent_id":479,"meta_data":15,"group_id":480,"first_published_at":481,"release_id":15,"lang":45,"path":15,"alternates":2990,"default_full_slug":483,"translated_slugs":2991,"_stopResolving":21},{"_uid":470,"icon":2988,"name":464,"component":475},{"id":472,"alt":473,"name":12,"focus":12,"title":12,"filename":474,"copyright":12,"fieldtype":16,"is_external_url":24},[],[],[2992,2993,2994],{"path":483,"name":15,"lang":50,"published":15},{"path":483,"name":15,"lang":45,"published":15},{"path":483,"name":15,"lang":53,"published":15},[45],[],[2998],{"_uid":2999,"asset":3000,"caption":12,"component":159},"4fd76af0-c5da-4ab6-8b5c-209071c985c2",{"id":3001,"alt":3002,"name":12,"focus":12,"title":3003,"source":12,"filename":3004,"copyright":593,"fieldtype":16,"meta_data":3005,"is_external_url":24},202914244607654,"Monochrome lila Gravur eines kontrollierten Beschaffungsprozesses von der Bedarfsanforderung bis zur Bestellung","BANF: Bedeutung, Ablauf und Freigabe im Einkauf","https://a.storyblok.com/f/146026/2752x1536/4f3002eafe/banf-titelbild-lila-gravur.jpg",{"alt":3002,"size":2705,"title":3003,"source":12,"copyright":593},"Was ist eine Bedarfsanforderung (BANF)? Erfahren Sie mehr über den BANF-Prozess, Rollen, Freigaben und die digitale Umsetzung im Unternehmen.",[],[3009],{"cta":3010,"_uid":3011,"items":3012,"heading":3078,"reverse":24,"component":559,"sectionSettings":3097},[],"5f18a3a1-a7cc-4e34-8fae-b54726445ac6",[3013,3026,3039,3052,3065],{"_uid":3014,"hide":24,"title":3015,"component":506,"description":3016},"b143d577-5b86-40e8-8fa4-44bf891974f5","Was ist der Unterschied zwischen Bedarfsanforderung und Bestellanforderung?",{"type":79,"content":3017},[3018],{"type":82,"attrs":3019,"content":3020},{"textAlign":15},[3021],{"text":3022,"type":86,"marks":3023},"Beide Begriffe bezeichnen dasselbe: den internen Antrag vor der Bestellung. In SAP heißt er Bestellanforderung, im allgemeinen Sprachgebrauch Bedarfsanforderung.",[3024],{"type":1226,"attrs":3025},{"color":1990},{"_uid":3027,"hide":24,"title":3028,"component":506,"description":3029},"4ac4482f-efe0-4ecb-aa7e-a467641dfd95","Wer darf eine Bedarfsanforderung erstellen?",{"type":79,"content":3030},[3031],{"type":82,"attrs":3032,"content":3033},{"textAlign":15},[3034],{"text":3035,"type":86,"marks":3036},"Jede Person mit einem konkreten Bedarf. Die Freigabe liegt jedoch bei einem separaten Genehmiger, sodass mindestens zwei Personen beteiligt sind.",[3037],{"type":1226,"attrs":3038},{"color":1990},{"_uid":3040,"hide":24,"title":3041,"component":506,"description":3042},"76507c51-2b3d-41df-a0a4-bf0d43d33b59","Wie lange dauert die Bearbeitung einer BANF?",{"type":79,"content":3043},[3044],{"type":82,"attrs":3045,"content":3046},{"textAlign":15},[3047],{"text":3048,"type":86,"marks":3049},"Manuell liegt die Durchlaufzeit typischerweise zwischen zwei und 15 Werktagen. Mit digitalem Freigaberouting sinkt sie deutlich, in stark automatisierten Prozessen oft auf unter drei Werktage.",[3050],{"type":1226,"attrs":3051},{"color":1990},{"_uid":3053,"hide":24,"title":3054,"component":506,"description":3055},"958fc5f8-ccd0-489c-aabf-9198e44018ff","Braucht ein kleines Unternehmen ohne SAP eine BANF?",{"type":79,"content":3056},[3057],{"type":82,"attrs":3058,"content":3059},{"textAlign":15},[3060],{"text":3061,"type":86,"marks":3062},"Ja. Die Bedarfsanforderung ist ERP-unabhängig. 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Getränke bleiben bei 19 Prozent – mit Ausnahme von Milchmischgetränken mit mindestens 75 Prozent Milchanteil und Leitungswasser.",[4223],{"type":1226,"attrs":4224},{"color":3903},{"_uid":4226,"hide":24,"title":4227,"component":506,"description":4228},"be13124a-d45d-4da3-bc47-a2772ea4b6ee","Welche Bewirtungskosten sind abzugsfähig und welche nicht?",{"type":79,"content":4229},[4230],{"type":82,"attrs":4231,"content":4232},{"textAlign":15},[4233],{"text":4234,"type":86,"marks":4235},"70 Prozent der angemessenen Netto-Bewirtungskosten sind nach Paragraph 4 Abs. 5 Nr. 2 EStG als Betriebsausgaben abzugsfähig. Die restlichen 30 Prozent sind nicht abzugsfähig. Der Vorsteuerabzug bleibt davon unberührt und ist zu 100 Prozent möglich.",[4236],{"type":1226,"attrs":4237},{"color":3903},{"_uid":4239,"hide":24,"title":4240,"component":506,"description":4241},"11c5e914-ab92-4ecb-8928-359054f62152","Wie buche ich Bewirtungskosten mit zwei MwSt-Sätzen korrekt?",{"type":79,"content":4242},[4243],{"type":82,"attrs":4244,"content":4245},{"textAlign":15},[4246],{"text":4247,"type":86,"marks":4248},"Teilen Sie die Nettosumme in Speisen (Vorsteuer sieben Prozent, Konto 1571 in SKR03) und Getränke (Vorsteuer 19 Prozent, Konto 1576). Dann buchen Sie 70 Prozent der Nettosumme auf Konto 4650 und 30 Prozent auf Konto 4654.",[4249],{"type":1226,"attrs":4250},{"color":3903},{"_uid":4252,"hide":24,"title":4253,"component":506,"description":4254},"9373c41c-28f4-46d8-83e2-d9f210efe775","Wie teile ich die Mehrwertsteuer auf einer Restaurantquittung auf?",{"type":79,"content":4255},[4256],{"type":82,"attrs":4257,"content":4258},{"textAlign":15},[4259],{"text":4260,"type":86,"marks":4261},"Multiplizieren Sie den Speisen-Nettobetrag mit sieben Prozent und den Getränke-Nettobetrag mit 19 Prozent. Die Summe ist Ihre abzugsfähige Vorsteuer – zu 100 Prozent, unabhängig von der ertragsteuerlichen 70/30-Regel.",[4262],{"type":1226,"attrs":4263},{"color":3903},{"_uid":4265,"hide":24,"title":4266,"component":506,"description":4267},"3fffe330-16a4-4ae9-8b2c-d8e067df93f3","Ist Trinkgeld bei Bewirtungskosten abzugsfähig?",{"type":79,"content":4268},[4269],{"type":82,"attrs":4270,"content":4271},{"textAlign":15},[4272],{"text":4273,"type":86,"marks":4274},"Ja, wenn der Kellner es handschriftlich auf dem Beleg quittiert hat. Trinkgeld enthält keine MwSt und wird mit derselben 70/30-Aufteilung gebucht wie die Bewirtung.",[4275],{"type":1226,"attrs":4276},{"color":3903},{"_uid":4278,"hide":24,"title":4279,"component":506,"description":4280},"c82e9878-a7a6-41f9-bfb7-0fd3850a188b","Was passiert bei einer Betriebsprüfung, wenn die MwSt falsch codiert wurde?",{"type":79,"content":4281},[4282],{"type":82,"attrs":4283,"content":4284},{"textAlign":15},[4285],{"text":4286,"type":86,"marks":4287},"Das Finanzamt kann nach § 164 AO bis zu vier Jahre rückwirkend korrigieren. Es drohen Nachzahlungen plus 1,8 Prozent Zinsen pro Jahr nach § 233a AO.",[4288],{"type":1226,"attrs":4289},{"color":3903},[4291],{"cta":4292,"_uid":4293,"title":4294,"eyebrow":4301,"subtitle":4304,"component":120,"textAlign":12,"eyebrowPill":24,"flexibleSection":4307,"sectionSettings":4308,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":12},[],"2567fefe-384c-4422-a234-a312e6389d4f",{"type":79,"content":4295},[4296],{"type":120,"attrs":4297,"content":4298},{"level":548,"textAlign":15},[4299],{"text":4300,"type":86},"Häufige Fragen zu Mehrwertsteuer in Restaurants",{"type":79,"content":4302},[4303],{"type":82},{"type":79,"content":4305},[4306],{"type":82},[],[],[],"mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen","de/blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",-2010,[],"7bba5ff9-dbf2-4b57-ae08-e17f347da34d","2026-06-25T13:23:54.460Z",[],"blog/mehrwertsteuer-restaurant-2026-speisen-korrekt-buchen",[4319,4320,4321],{"path":4317,"name":15,"lang":50,"published":15},{"path":4317,"name":15,"lang":45,"published":15},{"path":4317,"name":15,"lang":53,"published":15},{"name":4323,"created_at":4324,"published_at":4325,"updated_at":4326,"id":4327,"uuid":4328,"content":4329,"slug":4471,"full_slug":4472,"sort_by_date":15,"position":4473,"tag_list":4474,"is_startpage":24,"parent_id":572,"meta_data":15,"group_id":4475,"first_published_at":4476,"release_id":15,"lang":45,"path":15,"alternates":4477,"default_full_slug":4478,"translated_slugs":4479},"EU AI Act ab August 2026: Sie betreiben KI im Finanzteam ohne es zu wissen ","2026-06-19T11:04:34.712Z","2026-07-08T18:42:55.725Z","2026-07-08T18:42:55.749Z",189142936457471,"3cb0e342-4f23-468e-bd07-ee19c66c3753",{"_uid":4330,"title":4323,"topics":4331,"noIndex":24,"category":4342,"language":4351,"component":476,"heroMedia":4352,"publishedAt":4353,"redirectUrl":12,"listingImage":4354,"metaDescription":4364,"bottomArticleCta":4365,"componentsAfterTheArticle":4366},"4600eac2-baec-4ab0-8ea0-2d229ed4e2cc",[4332],{"name":2374,"created_at":2375,"published_at":30,"updated_at":2376,"id":2377,"uuid":2378,"content":4333,"slug":2383,"full_slug":2384,"sort_by_date":15,"position":2385,"tag_list":4336,"is_startpage":24,"parent_id":2237,"meta_data":15,"group_id":2387,"first_published_at":2388,"release_id":15,"lang":45,"path":15,"alternates":4337,"default_full_slug":2390,"translated_slugs":4338,"_stopResolving":21},{"_uid":2380,"icon":4334,"name":2374,"component":37},{"id":15,"alt":15,"name":12,"focus":15,"title":15,"source":15,"filename":12,"copyright":15,"fieldtype":16,"meta_data":4335},{},[],[],[4339,4340,4341],{"path":2390,"name":15,"lang":50,"published":15},{"path":2390,"name":15,"lang":45,"published":15},{"path":2390,"name":15,"lang":53,"published":15},{"name":464,"created_at":465,"published_at":30,"updated_at":466,"id":467,"uuid":468,"content":4343,"slug":476,"full_slug":477,"sort_by_date":15,"position":40,"tag_list":4345,"is_startpage":24,"parent_id":479,"meta_data":15,"group_id":480,"first_published_at":481,"release_id":15,"lang":45,"path":15,"alternates":4346,"default_full_slug":483,"translated_slugs":4347,"_stopResolving":21},{"_uid":470,"icon":4344,"name":464,"component":475},{"id":472,"alt":473,"name":12,"focus":12,"title":12,"filename":474,"copyright":12,"fieldtype":16,"is_external_url":24},[],[],[4348,4349,4350],{"path":483,"name":15,"lang":50,"published":15},{"path":483,"name":15,"lang":45,"published":15},{"path":483,"name":15,"lang":53,"published":15},[45],[],"2026-06-19 00:00",[4355],{"_uid":4356,"asset":4357,"caption":4363,"component":159},"b4c90cb2-0afd-4ab6-8699-7b7377e55878",{"id":4358,"alt":4359,"name":12,"focus":12,"title":4360,"source":12,"filename":4361,"copyright":593,"fieldtype":16,"meta_data":4362,"is_external_url":24},143492014200848,"Grafische Darstellung in Violett auf hellem Hintergrund. Zu sehen sind zwei Tastaturtasten mit den weißen Buchstaben A und I. Die Tasten sind als Linienmuster stilisiert und gehen am rechten Bildrand in wellenförmige Linien über.","Tastatur mit den Buchstaben A und I als Symbol für künstliche Intelligenz","https://a.storyblok.com/f/146026/1020x680/8ff9cee056/ai-roi-finance.png",{"alt":4359,"title":4360,"source":12,"copyright":593},"OCR, Kategorisierung, Anomalie-Erkennung – wo KI im Finanzteam beginnt, beginnen auch die Pflichten des EU AI Act.","Ab August 2026 treffen Sie als Nutzer KI-gestützter Finanzsoftware konkrete Pflichten. Was wirklich gilt was nicht und welche fünf Schritte ausreichen.",[],[4367],{"cta":4368,"_uid":4369,"items":4370,"heading":4447,"reverse":24,"component":559,"sectionSettings":4470},[],"f9815c55-7f50-4a8f-901b-341773cc1203",[4371,4395,4408,4421,4434],{"_uid":4372,"hide":24,"title":4373,"component":506,"description":4374},"11c678a7-7408-4da9-a844-bba643e44f74","Fällt unsere KI-gestützte OCR unter den EU AI Act?",{"type":79,"content":4375},[4376],{"type":82,"attrs":4377,"content":4378},{"textAlign":15},[4379,4384,4390],{"text":4380,"type":86,"marks":4381},"Ja, sie fällt unter den Anwendungsbereich des AI Act, aber ",[4382],{"type":1226,"attrs":4383},{"color":3903},{"text":4385,"type":86,"marks":4386},"nicht",[4387,4389],{"type":1226,"attrs":4388},{"color":3903},{"type":3538},{"text":4391,"type":86,"marks":4392}," in die Hochrisiko-Kategorie nach Anhang III. Es gelten primär die Pflichten aus Art. 4 (KI-Kompetenz) und gegebenenfalls Art. 50 (Transparenz für KI-Inhalte).",[4393],{"type":1226,"attrs":4394},{"color":3903},{"_uid":4396,"hide":24,"title":4397,"component":506,"description":4398},"c16bbfb0-3386-4fa9-addf-ce0a88ef9226","Was ist der Unterschied zwischen Anbieter und Betreiber?",{"type":79,"content":4399},[4400],{"type":82,"attrs":4401,"content":4402},{"textAlign":15},[4403],{"text":4404,"type":86,"marks":4405},"Der Anbieter (Provider) entwickelt und vertreibt das KI-System, der Betreiber (Deployer) setzt es im eigenen Verantwortungsbereich ein. Ein Finanzteam, das eine KI-gestützte Ausgabenmanagement-Software nutzt, ist Betreiber – nicht Anbieter. Die Pflichtenkataloge unterscheiden sich erheblich.",[4406],{"type":1226,"attrs":4407},{"color":3903},{"_uid":4409,"hide":24,"title":4410,"component":506,"description":4411},"8dda6fca-d653-44ef-acb1-347c79cdf26d","Wie hoch sind die Bußgelder konkret?",{"type":79,"content":4412},[4413],{"type":82,"attrs":4414,"content":4415},{"textAlign":15},[4416],{"text":4417,"type":86,"marks":4418},"Für Verstöße gegen verbotene Praktiken bis zu 35 Mio. Euro oder 7 Prozent des weltweiten Jahresumsatzes. Für sonstige Verstöße bis zu 15 Mio. Euro oder 3 Prozent, für unrichtige Informationen an Behörden bis zu 7,5 Mio. Euro oder 1 Pozent. Maßgeblich ist jeweils der höhere Wert. Diese Maxima betreffen die schwersten Fälle, nicht jede formale Lücke.",[4419],{"type":1226,"attrs":4420},{"color":3903},{"_uid":4422,"hide":24,"title":4423,"component":506,"description":4424},"1ec61c20-bf5a-4c08-911b-4d0aca88c6c4","Müssen wir Mitarbeitende formal schulen?",{"type":79,"content":4425},[4426],{"type":82,"attrs":4427,"content":4428},{"textAlign":15},[4429],{"text":4430,"type":86,"marks":4431},"Art. 4 verlangt „ausreichende KI-Kompetenz\", nicht eine bestimmte Schulungsstundenzahl. Eine dokumentierte Einweisung mit nachvollziehbarem Inhalt reicht in der Regel aus. Externe Zertifikate sind nicht vorgeschrieben.",[4432],{"type":1226,"attrs":4433},{"color":3903},{"_uid":4435,"hide":24,"title":4436,"component":506,"description":4437},"266967d9-3783-4be1-b91b-d64d993b55da","Gilt der AI Act auch für US-Anbieter unserer Software?",{"type":79,"content":4438},[4439],{"type":82,"attrs":4440,"content":4441},{"textAlign":15},[4442],{"text":4443,"type":86,"marks":4444},"Ja. Sobald das KI-System in der EU genutzt wird oder Ergebnisse erzeugt, die in der EU verwendet werden, greift der AI Act – unabhängig vom Sitz des Anbieters. Achten Sie bei Vertragsverhandlungen mit Nicht-EU-Anbietern auf eine ausdrückliche Compliance-Zusage.",[4445],{"type":1226,"attrs":4446},{"color":3903},[4448],{"cta":4449,"_uid":4450,"title":4451,"eyebrow":4462,"subtitle":4465,"component":120,"textAlign":12,"eyebrowPill":24,"flexibleSection":4468,"sectionSettings":4469,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":12},[],"14d98cda-9986-43fc-9ffb-afc526aad4da",{"type":79,"content":4452},[4453],{"type":120,"attrs":4454,"content":4455},{"level":548,"textAlign":15},[4456],{"text":4457,"type":86,"marks":4458},"Häufig gestellte Fragen zum EU AI Act",[4459,4461],{"type":1226,"attrs":4460},{"color":3903},{"type":115},{"type":79,"content":4463},[4464],{"type":82},{"type":79,"content":4466},[4467],{"type":82},[],[],[],"eu-ai-act-august-2026-ki-finanzteam","de/blog/eu-ai-act-august-2026-ki-finanzteam",-1940,[],"b42612e0-71ca-45bb-866a-fc54d950c7cb","2026-06-19T11:23:32.309Z",[],"blog/eu-ai-act-august-2026-ki-finanzteam",[4480,4481,4482],{"path":4478,"name":15,"lang":50,"published":15},{"path":4478,"name":15,"lang":45,"published":15},{"path":4478,"name":15,"lang":53,"published":15},{"name":4484,"created_at":4485,"published_at":4486,"updated_at":4487,"id":4488,"uuid":4489,"content":4490,"slug":4661,"full_slug":4662,"sort_by_date":15,"position":4663,"tag_list":4664,"is_startpage":24,"parent_id":572,"meta_data":15,"group_id":4665,"first_published_at":4666,"release_id":15,"lang":45,"path":15,"alternates":4667,"default_full_slug":4668,"translated_slugs":4669},"SEPA 2026: wenn ein einziger Datensatz den ganzen Zahlungslauf kippt ","2026-06-19T08:54:26.111Z","2026-07-08T18:43:19.743Z","2026-07-08T18:43:19.769Z",189110952425291,"33f28b6f-f6e0-440c-8755-a704bb2e936b",{"_uid":4491,"title":4484,"topics":4492,"noIndex":24,"category":4512,"language":4521,"component":476,"heroMedia":4522,"publishedAt":4353,"redirectUrl":12,"listingImage":4523,"metaDescription":4532,"bottomArticleCta":4533,"componentsAfterTheArticle":4534},"ee62abc9-a973-4ff2-bbe6-f7676f71f5a8",[4493],{"name":1144,"created_at":4494,"published_at":30,"updated_at":4495,"id":4496,"uuid":4497,"content":4498,"slug":4500,"full_slug":4501,"sort_by_date":15,"position":4502,"tag_list":4503,"is_startpage":24,"parent_id":2237,"meta_data":15,"group_id":4504,"first_published_at":4505,"release_id":15,"lang":45,"path":15,"alternates":4506,"default_full_slug":4507,"translated_slugs":4508,"_stopResolving":21},"2022-10-19T17:57:58.268Z","2026-03-12T10:47:23.823Z",206171436,"96e6beb6-72ee-4d7e-80e7-051cceef91a6",{"_uid":4499,"name":1144,"component":37},"c47edfa2-5a7f-4c2b-966b-bd29e0b334a3","sicherheit","de/blog/topic/sicherheit",-400,[],"4bc732e7-2646-431d-9d49-7d0ba9f90782","2022-11-02T15:24:44.095Z",[],"blog/topic/sicherheit",[4509,4510,4511],{"path":4507,"name":15,"lang":50,"published":15},{"path":4507,"name":15,"lang":45,"published":15},{"path":4507,"name":15,"lang":53,"published":15},{"name":464,"created_at":465,"published_at":30,"updated_at":466,"id":467,"uuid":468,"content":4513,"slug":476,"full_slug":477,"sort_by_date":15,"position":40,"tag_list":4515,"is_startpage":24,"parent_id":479,"meta_data":15,"group_id":480,"first_published_at":481,"release_id":15,"lang":45,"path":15,"alternates":4516,"default_full_slug":483,"translated_slugs":4517,"_stopResolving":21},{"_uid":470,"icon":4514,"name":464,"component":475},{"id":472,"alt":473,"name":12,"focus":12,"title":12,"filename":474,"copyright":12,"fieldtype":16,"is_external_url":24},[],[],[4518,4519,4520],{"path":483,"name":15,"lang":50,"published":15},{"path":483,"name":15,"lang":45,"published":15},{"path":483,"name":15,"lang":53,"published":15},[45],[],[4524],{"_uid":4525,"asset":4526,"caption":4531,"component":159},"0f8cd8a9-a19c-4983-b703-6251a33f0328",{"id":4527,"alt":4528,"name":12,"focus":12,"title":4528,"source":12,"filename":4529,"copyright":593,"fieldtype":16,"meta_data":4530,"is_external_url":24},123992245019406,"Aufgestapelte Münzen","https://a.storyblok.com/f/146026/1020x680/90cdc17e54/spendesk-international-payments.jpg",{"alt":4528,"title":4528,"source":12,"copyright":593},"Ab November 2026 entscheidet die Qualität Ihrer Lieferantenstammdaten darüber, ob Ihre SEPA-Zahlungen durchlaufen.","Ab November 2026 entscheiden Adressformat, pain-Version und Empfängername darüber, ob Ihre SEPA-Zahlungen durchlaufen. Der Sechs-Wochen-Plan.",[],[4535],{"cta":4536,"_uid":4537,"items":4538,"heading":4637,"reverse":24,"component":559,"sectionSettings":4660},[],"6b4bc66b-a45b-4b12-b6b9-faf1d2f4a9d7",[4539,4562,4575,4588,4611,4624],{"_uid":4540,"hide":24,"title":4541,"component":506,"description":4542},"4c562475-5ef1-4327-8475-5a5dff9c1411","Ab wann ist die ISO-20022-Umstellung für SEPA-Zahlungen verpflichtend?",{"type":79,"content":4543},[4544],{"type":82,"attrs":4545,"content":4546},{"textAlign":15},[4547,4552,4557],{"text":4548,"type":86,"marks":4549},"Ab dem 15.11.2026 müssen Überweisungen im Format ",[4550],{"type":1226,"attrs":4551},{"color":3903},{"text":4553,"type":86,"marks":4554},"pain.001.001.09 und Lastschriften im Format pain.008.001.08",[4555],{"type":1226,"attrs":4556},{"color":1990},{"text":4558,"type":86,"marks":4559}," eingereicht werden. Unstrukturierte Adressen werden ab diesem Datum abgelehnt.",[4560],{"type":1226,"attrs":4561},{"color":3903},{"_uid":4563,"hide":24,"title":4564,"component":506,"description":4565},"32447d44-cf05-4acc-9cba-3ee6be7f946e","Was passiert, wenn ein einziger Datensatz im Lauf unstrukturierte Adressen enthält?",{"type":79,"content":4566},[4567],{"type":82,"attrs":4568,"content":4569},{"textAlign":15},[4570],{"text":4571,"type":86,"marks":4572},"Viele ERPs und Banken weisen in dieser Konstellation den gesamten Zahlungslauf zurück, nicht nur den fehlerhaften Posten. Eine Pre-Run-Validierung ist deshalb wichtiger als jede nachgelagerte Korrektur.",[4573],{"type":1226,"attrs":4574},{"color":3903},{"_uid":4576,"hide":24,"title":4577,"component":506,"description":4578},"cbaf0389-66e1-4336-b577-408956209105","Prüft Verification of Payee auch Sammelüberweisungen?",{"type":79,"content":4579},[4580],{"type":82,"attrs":4581,"content":4582},{"textAlign":15},[4583],{"text":4584,"type":86,"marks":4585},"Bei Einzelüberweisungen ist VoP verpflichtend. Bei Sammelüberweisungen optional, Banken können sie aber durchführen. Realistischer Planungsstandard: Jede Zahlung wird geprüft.",[4586],{"type":1226,"attrs":4587},{"color":3903},{"_uid":4589,"hide":24,"title":4590,"component":506,"description":4591},"4cccff21-ef42-40e9-b38f-c542938820c6","Welche Adressfelder müssen mindestens strukturiert vorliegen?",{"type":79,"content":4592},[4593],{"type":82,"attrs":4594,"content":4595},{"textAlign":15},[4596,4601,4606],{"text":4597,"type":86,"marks":4598},"Stadt (",[4599],{"type":1226,"attrs":4600},{"color":3903},{"text":4602,"type":86,"marks":4603},"TwnNm) und Land (Ctry",[4604],{"type":1226,"attrs":4605},{"color":1990},{"text":4607,"type":86,"marks":4608},") sind die Pflichtfelder nach EPC-Vorgabe. In Deutschland werden zusätzlich PLZ, Straße und Hausnummer erwartet.",[4609],{"type":1226,"attrs":4610},{"color":3903},{"_uid":4612,"hide":24,"title":4613,"component":506,"description":4614},"4a8b0cf5-b8c9-4c96-85a6-c34ad4c23ae7","Was bedeutet ein „Close Match\" bei der VoP-Prüfung?",{"type":79,"content":4615},[4616],{"type":82,"attrs":4617,"content":4618},{"textAlign":15},[4619],{"text":4620,"type":86,"marks":4621},"Die Empfängerbank erkennt eine geringfügige Abweichung, etwa einen Tippfehler oder eine abgekürzte Rechtsform. Die Zahlung wird nicht automatisch abgelehnt, aber der Auftraggeber erhält einen Warnhinweis und muss die Ausführung aktiv bestätigen.",[4622],{"type":1226,"attrs":4623},{"color":3903},{"_uid":4625,"hide":24,"title":4626,"component":506,"description":4627},"35fa2a3f-413d-44dc-b9e1-29aea2c78e05","Kann ich altes und neues SEPA-Format parallel nutzen?",{"type":79,"content":4628},[4629],{"type":82,"attrs":4630,"content":4631},{"textAlign":15},[4632],{"text":4633,"type":86,"marks":4634},"Während der Übergangsphase bis November 2026 akzeptieren die meisten Banken beide Formate. Nach dem Stichtag werden die alten Versionen nicht mehr unterstützt.",[4635],{"type":1226,"attrs":4636},{"color":3903},[4638],{"cta":4639,"_uid":4640,"title":4641,"eyebrow":4652,"subtitle":4655,"component":120,"textAlign":12,"eyebrowPill":24,"flexibleSection":4658,"sectionSettings":4659,"displaySeparator":24,"breakLineOnMobile":24,"subtitleLeftBorder":24,"customTitleFontSize":12},[],"f3250a9d-7c4a-484b-81c2-0bfac24c9b5a",{"type":79,"content":4642},[4643],{"type":120,"attrs":4644,"content":4645},{"level":548,"textAlign":15},[4646],{"text":4647,"type":86,"marks":4648},"Häufig gestellte Fragen zur ISO-20022-Umstellung für SEPA-Zahlungen",[4649,4651],{"type":1226,"attrs":4650},{"color":3903},{"type":115},{"type":79,"content":4653},[4654],{"type":82},{"type":79,"content":4656},[4657],{"type":82},[],[],[],"sepa-2026-datensatz-zahlungslauf","de/blog/sepa-2026-datensatz-zahlungslauf",-1930,[],"7b261590-386b-4094-8345-6ddd2965286d","2026-06-19T09:23:07.916Z",[],"blog/sepa-2026-datensatz-zahlungslauf",[4670,4671,4672],{"path":4668,"name":15,"lang":50,"published":15},{"path":4668,"name":15,"lang":45,"published":15},{"path":4668,"name":15,"lang":53,"published":15},[4674,4675,4676,4677],["Reactive",3962],["Reactive",3268],["Reactive",2510],["Reactive",2813],1786118470767]