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Aktuelle unterstützt sie Spendesk als Expertin für Themen rund um Finanzen und Buchhaltung. 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Und das nicht ohne Grund: Die Kreditkarte wird von fast jedem Online-Shop, von jeder Fluggesellschaft und jedem Hotel als Zahlungsmittel akzeptiert. Moderne Unternehmen entscheiden sich daher zunehmend, ",{"text":149,"type":77,"marks":150},"ihren Mitarbeitenden über ",[151],{"type":152},"bold",{"text":100,"type":77,"marks":154},[155,156],{"type":152},{"type":144,"attrs":157},{"color":52},{"text":159,"type":77,"marks":160}," den Zugriff auf Firmengelder zu ermöglichen",[161],{"type":152},{"text":163,"type":77},". So können Teams gewisse Ausgaben wie beispielsweise für SaaS-Tools, Amazon-Bestellungen oder Bahn-Tickets selbst und ",{"text":165,"type":77,"marks":166},"bargeldlos",[167],{"type":144,"attrs":168},{"color":52},{"text":170,"type":77}," tätigen.",{"type":73,"content":172},[173,175,179,181,186],{"text":174,"type":77},"Doch welche Anbieter eignen sich am besten für die ",{"text":93,"type":77,"marks":176},[177],{"type":144,"attrs":178},{"color":52},{"text":180,"type":77},"? Und wie können Unternehmen sich vor der privaten Nutzung schützen? Spielt die Schufa-Bewertung der Mitarbeitenden eine Rolle? Wir erklären Ihnen, was Sie beim Einsatz von ",{"text":182,"type":77,"marks":183},"Geschäftskreditkarten",[184],{"type":144,"attrs":185},{"color":52},{"text":187,"type":77}," beachten sollten.",{"type":189,"attrs":190},"blok",{"id":191,"body":192},"e59b8dcf-4a18-4125-9832-2a7979f3aa0a",[193],{"_uid":194,"html":195,"component":196},"i-38490787-a8b5-481d-a739-c42bc154d1e7","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-600d6817-1990-49a1-8b82-94c111241e11\">\u003Cspan class=\"hs-cta-node hs-cta-600d6817-1990-49a1-8b82-94c111241e11\" id=\"hs-cta-600d6817-1990-49a1-8b82-94c111241e11\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/600d6817-1990-49a1-8b82-94c111241e11\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-600d6817-1990-49a1-8b82-94c111241e11\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/600d6817-1990-49a1-8b82-94c111241e11.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, '600d6817-1990-49a1-8b82-94c111241e11', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":198,"attrs":199,"content":201},"heading",{"level":200},2,[202,206,211],{"text":203,"type":77,"marks":204},"Was ist eine ",[205],{"type":152},{"text":93,"type":77,"marks":207},[208,209],{"type":152},{"type":144,"attrs":210},{"color":52},{"text":212,"type":77,"marks":213},"?",[214],{"type":152},{"type":73,"content":216},[217,219,223,225,231,235,241,245,247,252],{"text":218,"type":77},"Eine ",{"text":93,"type":77,"marks":220},[221],{"type":144,"attrs":222},{"color":52},{"text":224,"type":77},", auch als ",{"text":226,"type":77,"marks":227},"Geschäftskreditkarte",[228,229],{"type":152},{"type":144,"attrs":230},{"color":52},{"text":232,"type":77,"marks":233}," oder ",[234],{"type":152},{"text":236,"type":77,"marks":237},"Business Card",[238,239],{"type":152},{"type":144,"attrs":240},{"color":52},{"text":242,"type":77,"marks":243}," ",[244],{"type":152},{"text":246,"type":77},"bekannt, ist eine spezielle Art von Kreditkarte, die Unternehmen und Organisationen zur Verfügung steht. Sie wird oft von Mitarbeitenden genutzt, um geschäftsbezogene Ausgaben zu decken, wie zum Beispiel Kosten auf ",{"text":248,"type":77,"marks":249},"Geschäftsreisen",[250],{"type":144,"attrs":251},{"color":52},{"text":253,"type":77},", Verpflegung, Büroausstattung und mehr.",{"type":198,"attrs":255,"content":256},{"level":200},[257,261,267],{"text":258,"type":77,"marks":259},"Warum sind ",[260],{"type":152},{"text":262,"type":77,"marks":263},"Firmenkarten",[264,265],{"type":152},{"type":144,"attrs":266},{"color":52},{"text":268,"type":77,"marks":269}," sinnvoll?",[270],{"type":152},{"type":73,"content":272},[273,275,279,281,285,287,292,294,299,301,306,308,313,314,319,321,326],{"text":274,"type":77},"Die Verwendung von ",{"text":100,"type":77,"marks":276},[277],{"type":144,"attrs":278},{"color":52},{"text":280,"type":77}," können dabei helfen, Unternehmensausgaben besser zu verfolgen,  den Zahlungsverkehr zu erleichtern, zu budgetieren, und Berichte zu erstellen. Manchmal bieten ",{"text":262,"type":77,"marks":282},[283],{"type":144,"attrs":284},{"color":52},{"text":286,"type":77}," auch attraktive ",{"text":288,"type":77,"marks":289},"Zusatzleistungen",[290],{"type":144,"attrs":291},{"color":52},{"text":293,"type":77}," und ",{"text":295,"type":77,"marks":296},"Rabatte",[297],{"type":144,"attrs":298},{"color":52},{"text":300,"type":77},", wie beispielsweise ",{"text":302,"type":77,"marks":303},"Prämienmeilen",[304],{"type":144,"attrs":305},{"color":52},{"text":307,"type":77},", ",{"text":309,"type":77,"marks":310},"Versicherungspakete",[311],{"type":144,"attrs":312},{"color":52},{"text":232,"type":77},{"text":315,"type":77,"marks":316},"Cashback",[317],{"type":144,"attrs":318},{"color":52},{"text":320,"type":77},"-bzw. ",{"text":322,"type":77,"marks":323},"Bonusprogramme",[324],{"type":144,"attrs":325},{"color":52},{"text":327,"type":77},".",{"type":73,"content":329},[330,332,337,339,343,345,361,363,378,383],{"text":331,"type":77},"Ein ",{"text":333,"type":77,"marks":334},"weiterer Vorteil",[335],{"type":144,"attrs":336},{"color":52},{"text":338,"type":77}," ist, dass ",{"text":100,"type":77,"marks":340},[341],{"type":144,"attrs":342},{"color":52},{"text":344,"type":77}," den ",{"text":346,"type":77,"marks":347},"Cashflow",[348],{"type":349,"attrs":350},"link",{"href":351,"uuid":352,"anchor":25,"target":353,"linktype":354,"story":355},"/de/blog/cashflow-berechnen","28a23131-3466-4ef5-bc3c-d2305bdb8315","_self","story",{"name":356,"id":357,"uuid":352,"slug":358,"url":359,"full_slug":360,"_stopResolving":41},"Cashflow berechnen: Formeln, Beispiele und gängige Methoden",208802939,"cashflow-berechnen","blog/cashflow-berechnen","de/blog/cashflow-berechnen",{"text":362,"type":77}," verbessern können, indem sie ein kurzes, zinsfreies Darlehen zwischen dem Kaufdatum und dem ",{"text":364,"type":77,"marks":365},"Zahlungsziel",[366,376],{"type":349,"attrs":367},{"href":368,"uuid":369,"anchor":25,"target":353,"linktype":354,"story":370},"/de/blog/zahlungsziel","5535ab48-0ef5-485a-8452-0fd55210598a",{"name":371,"id":372,"uuid":369,"slug":373,"url":374,"full_slug":375,"_stopResolving":41},"Zahlungsziel – alle relevanten Infos auf einen Blick",294654267,"zahlungsziel","blog/zahlungsziel","de/blog/zahlungsziel",{"type":144,"attrs":377},{"color":52},{"text":242,"type":77,"marks":379},[380],{"type":349,"attrs":381},{"href":368,"uuid":369,"anchor":25,"target":353,"linktype":354,"story":382},{"name":371,"id":372,"uuid":369,"slug":373,"url":374,"full_slug":375,"_stopResolving":41},{"text":384,"type":77},"der Kreditkartenrechnung gewährt.",{"type":73,"content":386},[387,389,394],{"text":388,"type":77},"Unternehmen können Limits für Ausgaben setzen und die Art der Ausgaben, die mit der Karte getätigt werden können, steuern. Dies kann helfen, die Ausgaben zu kontrollieren und unangemessene oder unautorisierte Ausgaben, die vom ",{"text":390,"type":77,"marks":391},"Firmenkonto",[392],{"type":144,"attrs":393},{"color":52},{"text":395,"type":77}," abgehen, zu vermeiden.",{"type":198,"attrs":397,"content":398},{"level":200},[399,403,408,412,418],{"text":400,"type":77,"marks":401},"Welche Modelle gibt es für ",[402],{"type":152},{"text":100,"type":77,"marks":404},[405,406],{"type":152},{"type":144,"attrs":407},{"color":52},{"text":409,"type":77,"marks":410}," / Corporate ",[411],{"type":152},{"text":413,"type":77,"marks":414},"Credit Cards",[415,416],{"type":152},{"type":144,"attrs":417},{"color":52},{"text":212,"type":77,"marks":419},[420],{"type":152},{"type":73,"content":422},[423,425,430,434,440,444,446,451],{"text":424,"type":77},"Nicht jeder Arbeitgeber fühlt sich wohl mit dem Gedanken, dass zahllose Mitarbeitende mit einer ",{"text":93,"type":77,"marks":426},[427,428],{"type":152},{"type":144,"attrs":429},{"color":52},{"text":431,"type":77,"marks":432}," (oft auch als „",[433],{"type":152},{"text":435,"type":77,"marks":436},"Corporate Card",[437,438],{"type":152},{"type":144,"attrs":439},{"color":52},{"text":441,"type":77,"marks":442},"”",[443],{"type":152},{"text":445,"type":77}," bezeichnet) in der Tasche jederzeit und von überall Firmengelder ausgeben können. Was, wenn Beschäftigte die ",{"text":447,"type":77,"marks":448},"Firmenkarte",[449],{"type":144,"attrs":450},{"color":52},{"text":452,"type":77}," missbrauchen und private Restaurantbesuche als Geschäftsessen abrechnen und es niemand merkt?",{"type":73,"content":454},[455,457,462,464,469],{"text":456,"type":77},"Genau hier kommen die unterschiedlichen Modelle für ",{"text":458,"type":77,"marks":459},"Business Kreditkarten",[460],{"type":144,"attrs":461},{"color":52},{"text":463,"type":77}," ins Spiel: von vorgegebenen Budgets über Prepaid-Karten bis hin zu virtuellen Kreditkarten mit einem ",{"text":465,"type":77,"marks":466},"Verfügungsrahmen",[467],{"type":144,"attrs":468},{"color":52},{"text":470,"type":77}," ist alles möglich. Für einen Überblick beleuchten wir zwei Fragen:",{"type":472,"attrs":473,"content":477},"ordered_list",{"order":474,"key":476},{"order":475},1,"ol-0",[478,495],{"type":479,"content":480},"list_item",[481],{"type":73,"content":482},[483,487,492],{"text":484,"type":77,"marks":485},"Wer bekommt eine ",[486],{"type":152},{"text":93,"type":77,"marks":488},[489,490],{"type":152},{"type":144,"attrs":491},{"color":52},{"text":212,"type":77,"marks":493},[494],{"type":152},{"type":479,"content":496},[497],{"type":73,"content":498},[499],{"text":500,"type":77,"marks":501},"Welche Art von Kreditkarten werden herausgegeben?",[502],{"type":152},{"type":198,"attrs":504,"content":506},{"level":505},3,[507],{"text":508,"type":77},"Entscheidung #1: Wer bekommt eine Firmenkreditkarte?",{"type":73,"content":510},[511],{"text":512,"type":77},"Wer soll eine Geschäftskreditkarte erhalten? Wir haben die verschiedenen Szenarien durchgespielt inklusive Vor- und Nachteile.",{"type":189,"attrs":514},{"id":515,"body":516},"3dbd6e14-5d95-4906-bb53-2bdc8414d615",[517],{"_uid":518,"html":519,"component":196},"i-2b56f3b4-c67f-4e78-bb66-747ebd6d5e51","\u003Ctable style=\"border-collapse: collapse; table-layout: fixed; margin-left: auto; margin-right: auto; border: solid; height: 2554px; border-style: none;\" width=\"705\">\n\u003Ctbody>\n\u003Ctr style=\"height: 240px;\">\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 240px; width: 125px; padding: 16px; background-color: #fafafa;\"> \u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; background-color: #ffe4dd; height: 240px; width: 165px; padding: 16px;\">\n\u003Cp style=\"font-weight: bold; text-align: center;\">Nur die Geschäftsführung und / oder die Manager eines jeden Teams\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 240px; width: 185px; padding: 16px; background-color: #fafafa;\">\n\u003Cp style=\"font-weight: bold; text-align: center;\">Der zuständige Dienstleister für die Planung von Dienstreisen\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; background-color: #ffe4dd; height: 240px; width: 227px; padding: 16px;\">\n\u003Cp style=\"font-weight: bold; text-align: center;\">Individuelle Mitarbeitende\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr style=\"height: 589px;\">\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 589px; width: 125px; background-color: #ffe4dd; text-align: center; padding: 16px;\">\n\u003Cp style=\"font-weight: bold;\">Erklärung\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 589px; width: 165px; padding: 16px; background-color: #fafafa;\">\n\u003Cp>In kleinen Unternehmen, die ständig im gleichen Büro zusammenarbeiten, reicht u. U. eine einzige Kreditkarte pro Team, die die Mitarbeitenden sich bei Bedarf abholen können.\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 589px; width: 185px; background-color: #ffe4dd; padding: 16px;\">\n\u003Cp>Eine sogenannte Reisestellenkarte kann in der internen Reiseabteilung oder beim Dienstleister, der für die Buchung von Dienstreisen zuständig ist, hinterlegt werden. Über diese Karte werden alle Reisebuchungen abgewickelt. \u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 589px; width: 227px; padding: 16px; background-color: #fafafa;\">\n\u003Cp>Früher oder später braucht wohl nahezu alle Beschäftigten einmal Zugriff auf Firmengelder. Am effizientesten lässt dieser sich gewährleisten, wenn alle Mitarbeitenden ihre eigenen Firmenkreditkarten bekommen.\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr style=\"height: 723px;\">\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 723px; width: 125px; text-align: center; padding: 16px; background-color: #fafafa;\">\n\u003Cp style=\"font-weight: bold;\">Vorteile\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 723px; width: 165px; background-color: #ffe4dd; padding: 16px;\">\n\u003Cp>- Ausgaben pro Abteilung gebündelt auf einer Karte\u003C/p>\n\u003Cp>- geringe Gefahr von Ausgaben ohne Genehmigung eines Managers\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 723px; width: 185px; padding: 16px; background-color: #fafafa;\">\n\u003Cp>- alle Reisekosten laufen an einem Ort zusammen\u003C/p>\n\u003Cp>- Jederzeit ein guter Überblick über Reisebudgets und -ausgaben \u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 723px; width: 227px; background-color: #ffe4dd; padding: 16px;\">\n\u003Cp>- Ausgaben können genau dann getätigt werden, wenn sie benötigt werden\u003C/p>\n\u003Cp>- Zahlungen und Abos können Mitarbeitende eindeutig zugeordnet werden. \u003C/p>\n\u003Cp>- Keine Notwendigkeit für Auslagen aus eigener Tasche durch die Mitarbeitenden\u003C/p>\n\u003Cp>- signalisiert Vertrauen und ermöglicht einen reibungslosen Arbeitsablauf\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003Ctr style=\"height: 866px;\">\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 866px; width: 125px; background-color: #ffe4dd; text-align: center; padding: 16px;\">\n\u003Cp style=\"font-weight: bold;\">Nachteile\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 866px; width: 165px; padding: 16px; background-color: #fafafa;\">\n\u003Cp>- Ist der Chef / die Chefin gerade im Meeting und kann den 3D-S-Code von Ihrem Handy nicht durchgeben, ist auch keine Zahlung möglich\u003C/p>\n\u003Cp>- Sehr aufwendig, wenn Mitarbeitende aus dem Home-Office oder an anderen Standorten arbeiten\u003C/p>\n\u003Cp>- Verantwortung für die Kündigung nicht mehr benötigter Abos liegt allein bei Kreditkarteninhaber:innen\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 866px; width: 185px; background-color: #ffe4dd; padding: 16px;\">\n\u003Cp>- Mitarbeitende müssen selbst gebuchte\u003C/p>\n\u003Cp>Dienstreisen sowie Spesen auslegen und zeitverzögert abrechnen\u003C/p>\n\u003Cp>- Nur sinnvoll für große Unternehmen mit Reiseabteilung bzw. Dienstleister, die sich um Reisebuchungen kümmern\u003C/p>\n\u003C/td>\n\u003Ctd style=\"border: 1pt solid #000000; vertical-align: top; height: 866px; width: 227px; padding: 16px; background-color: #fafafa;\">\n\u003Cp>- Kontrolle und Überblick über Genehmigungen und Budgets ohne den Einsatz eines Tools zum Ausgabenmanagement schwierig \u003C/p>\n\u003Cp>- ohne Ausgabenmanagement-Tool zudem ggf. großer Aufwand für die Finanzabteilung\u003C/p>\n\u003C/td>\n\u003C/tr>\n\u003C/tbody>\n\u003C/table>",{"type":73,"content":521},[522,524,532],{"text":523,"type":77},"Welches Modell ist also der Gewinner? Letztendlich liegt die Entscheidung bei Ihnen. Wie der ",{"text":525,"type":77,"marks":526},"Spendesk Spend Trends Report",[527,530],{"type":349,"attrs":528},{"href":529,"uuid":25,"anchor":25,"target":353,"linktype":60},"https://www.spendesk.com/en-eu/blog/spend-trends-report/",{"type":531},"underline",{"text":533,"type":77}," jedoch gezeigt hat, nehmen gerade Zahlungen an Amazon und SaaS-Anbieter zu (vor der Corona-Pandemie stiegen auch Reisekosten zunehmend) – und genau diese sollten reibungslos und spontan durch individuelle Mitarbeitende getätigt werden können.",{"type":73,"content":535},[536],{"text":537,"type":77,"marks":538},"Übrigens: Bei Spendesk bekommt jeder Mitarbeiter eine eigene Kreditkarte. In diesem Beitrag erklären wir, warum.",[539,542],{"type":349,"attrs":540},{"href":541,"uuid":25,"anchor":25,"target":353,"linktype":60},"https://www.spendesk.com/en-eu/blog/spendesk-employees-company-card/",{"type":531},{"type":198,"attrs":544,"content":545},{"level":505},[546],{"text":547,"type":77,"marks":548},"Entscheidung #2: Welche Art(en) von Kreditkarte(en) soll(en) genutzt werden?",[549],{"type":152},{"type":73,"content":551},[552,554,558,560,564],{"text":553,"type":77},"Im ersten Moment ist der Gedanke an ",{"text":100,"type":77,"marks":555},[556],{"type":144,"attrs":557},{"color":52},{"text":559,"type":77}," für alle Mitarbeiter und Mitarbeiterinnen vielleicht überwältigend. Jedoch gibt es mittlerweile spannende Alternativen zu unlimitierten Standard-",{"text":100,"type":77,"marks":561},[562],{"type":144,"attrs":563},{"color":52},{"text":565,"type":77},":",{"type":472,"attrs":567,"content":570},{"order":568,"key":569},{"order":475},"ol-1",[571,627],{"type":479,"content":572},[573],{"type":73,"content":574},[575,592,600,610,618,620,625],{"text":576,"type":77,"marks":577},"Debitkarten",[578,588,589,591],{"type":349,"attrs":579},{"href":580,"uuid":581,"anchor":25,"target":353,"linktype":354,"story":582},"/de/blog/debitkarten-fur-unternehmen","db6abfa9-1664-40de-a920-9bd1584fa03f",{"name":583,"id":584,"uuid":581,"slug":585,"url":586,"full_slug":587,"_stopResolving":41},"Debitkarten für Unternehmen – eine Alternative zu Kreditkarten und Spesenabrechnungen?",214315910,"debitkarten-fur-unternehmen","blog/debitkarten-fur-unternehmen","de/blog/debitkarten-fur-unternehmen",{"type":152},{"type":144,"attrs":590},{"color":52},{"type":531},{"text":593,"type":77,"marks":594}," (",[595,598,599],{"type":349,"attrs":596},{"href":580,"uuid":581,"anchor":25,"target":353,"linktype":354,"story":597},{"name":583,"id":584,"uuid":581,"slug":585,"url":586,"full_slug":587,"_stopResolving":41},{"type":152},{"type":531},{"text":601,"type":77,"marks":602},"Prepaid-Kreditkarten",[603,606,607,609],{"type":349,"attrs":604},{"href":580,"uuid":581,"anchor":25,"target":353,"linktype":354,"story":605},{"name":583,"id":584,"uuid":581,"slug":585,"url":586,"full_slug":587,"_stopResolving":41},{"type":152},{"type":144,"attrs":608},{"color":52},{"type":531},{"text":611,"type":77,"marks":612},")",[613,616,617],{"type":349,"attrs":614},{"href":580,"uuid":581,"anchor":25,"target":353,"linktype":354,"story":615},{"name":583,"id":584,"uuid":581,"slug":585,"url":586,"full_slug":587,"_stopResolving":41},{"type":152},{"type":531},{"text":619,"type":77},", die mit einem bestimmten Betrag aufgeladen werden. Ist das ",{"text":621,"type":77,"marks":622},"Kartenlimit",[623],{"type":144,"attrs":624},{"color":52},{"text":626,"type":77}," erreicht, kann auch kein Geld mehr ausgegeben werden.",{"type":479,"content":628},[629],{"type":73,"content":630},[631,648,650,655],{"text":632,"type":77,"marks":633},"Virtuelle Karten",[634,644,645,647],{"type":349,"attrs":635},{"href":636,"uuid":637,"anchor":25,"target":353,"linktype":354,"story":638},"/de/blog/virtuelle-kreditkarte","05484202-8d88-4132-a760-9a1f4ddb81ea",{"name":639,"id":640,"uuid":637,"slug":641,"url":642,"full_slug":643,"_stopResolving":41},"Die virtuelle Kreditkarte: So bezahlen Unternehmen sicher online",208777197,"virtuelle-kreditkarte","blog/virtuelle-kreditkarte","de/blog/virtuelle-kreditkarte",{"type":152},{"type":144,"attrs":646},{"color":52},{"type":531},{"text":649,"type":77},", die online für genau eine Zahlung oder wiederkehrende Zahlungen (z. B. von Software-Abos) generiert werden. Es handelt sich hierbei nicht um physische Karten aus Plastik, daher können diese Karten ausschließlich für ",{"text":651,"type":77,"marks":652},"Online-Zahlungen",[653],{"type":144,"attrs":654},{"color":52},{"text":656,"type":77}," genutzt werden.",{"type":73,"content":658},[659,661,665],{"text":660,"type":77},"Und in Verbindung mit einem ",{"text":662,"type":77,"marks":663},"Tool zum Ausgabenmanagement",[664],{"type":152},{"text":666,"type":77}," können Ausgaben in Echtzeit verfolgt und Genehmigungsprozesse abgewickelt werden. Sie können für alle Beschäftigten einzeln festlegen, dass…",{"type":668,"content":669},"bullet_list",[670,680],{"type":479,"content":671},[672],{"type":73,"content":673},[674,678],{"text":576,"type":77,"marks":675},[676],{"type":144,"attrs":677},{"color":52},{"text":679,"type":77}," nur an Wochentagen oder zu bestimmten Uhrzeiten eingesetzt werden können;",{"type":479,"content":681},[682],{"type":73,"content":683},[684,688],{"text":576,"type":77,"marks":685},[686],{"type":144,"attrs":687},{"color":52},{"text":689,"type":77}," oder virtuelle Kreditkarten nur für gewisse Ausgaben zugelassen sind, zum Beispiel Hotels, Flüge, Amazon-Bestellungen.",{"type":73,"content":691},[692,696,701,705,707,722,729,737,742],{"text":693,"type":77,"marks":694},"Wer gerne die Kontrolle über Budgets behält, muss deswegen nicht auf ",[695],{"type":152},{"text":100,"type":77,"marks":697},[698,699],{"type":152},{"type":144,"attrs":700},{"color":52},{"text":702,"type":77,"marks":703}," verzichten",[704],{"type":152},{"text":706,"type":77},". ",{"text":576,"type":77,"marks":708},[709,719,721],{"type":349,"attrs":710},{"href":711,"uuid":712,"anchor":25,"target":353,"linktype":354,"story":713},"/de/product/employee-debit-cards","00b0f0d1-7470-478e-a189-6d443238f3e3",{"name":714,"id":715,"uuid":712,"slug":716,"url":717,"full_slug":718,"_stopResolving":41},"Employee Debit Cards",127661902,"employee-debit-cards","platform/employee-debit-cards","de/platform/employee-debit-cards",{"type":144,"attrs":720},{"color":52},{"type":531},{"text":723,"type":77,"marks":724}," und virtuelle ",[725,728],{"type":349,"attrs":726},{"href":711,"uuid":712,"anchor":25,"target":353,"linktype":354,"story":727},{"name":714,"id":715,"uuid":712,"slug":716,"url":717,"full_slug":718,"_stopResolving":41},{"type":531},{"text":458,"type":77,"marks":730},[731,734,736],{"type":349,"attrs":732},{"href":711,"uuid":712,"anchor":25,"target":353,"linktype":354,"story":733},{"name":714,"id":715,"uuid":712,"slug":716,"url":717,"full_slug":718,"_stopResolving":41},{"type":144,"attrs":735},{"color":52},{"type":531},{"text":242,"type":77,"marks":738},[739],{"type":349,"attrs":740},{"href":711,"uuid":712,"anchor":25,"target":353,"linktype":354,"story":741},{"name":714,"id":715,"uuid":712,"slug":716,"url":717,"full_slug":718,"_stopResolving":41},{"text":743,"type":77},"minimieren das Missbrauchsrisiko auf ein Minimum.",{"type":198,"attrs":745,"content":746},{"level":200},[747,751,757,760,766],{"text":748,"type":77,"marks":749},"Visa, ",[750],{"type":152},{"text":752,"type":77,"marks":753},"Mastercard",[754,755],{"type":152},{"type":144,"attrs":756},{"color":52},{"text":232,"type":77,"marks":758},[759],{"type":152},{"text":761,"type":77,"marks":762},"Amex",[763,764],{"type":152},{"type":144,"attrs":765},{"color":52},{"text":767,"type":77,"marks":768}," – wer hat eigentlich die besten Kreditkarten für Mitarbeitende?",[769],{"type":152},{"type":73,"content":771},[772,774,778,780,785,787,791,793,798,800,805,807,812],{"text":773,"type":77},"In der EU und ",{"text":141,"type":77,"marks":775},[776],{"type":144,"attrs":777},{"color":52},{"text":779,"type":77}," liegen zwei ",{"text":781,"type":77,"marks":782},"Kreditkarten-Anbieter",[783],{"type":144,"attrs":784},{"color":52},{"text":786,"type":77}," sowohl für private- als auch für ",{"text":100,"type":77,"marks":788},[789],{"type":144,"attrs":790},{"color":52},{"text":792,"type":77}," vorne: Visa und ",{"text":794,"type":77,"marks":795},"MasterCard",[796],{"type":144,"attrs":797},{"color":52},{"text":799,"type":77},". Diese beiden Kartentypen werden so gut wie überall akzeptiert und werden – im Gegensatz zu Kreditkarten von ",{"text":801,"type":77,"marks":802},"American Express",[803],{"type":144,"attrs":804},{"color":52},{"text":806,"type":77}," (kurz: ",{"text":808,"type":77,"marks":809},"AmEx",[810],{"type":144,"attrs":811},{"color":52},{"text":813,"type":77},") – von Partnerbanken herausgegeben.",{"type":73,"content":815},[816,818,822,824,828,830,834,836,840],{"text":817,"type":77},"Bei ",{"text":808,"type":77,"marks":819},[820],{"type":144,"attrs":821},{"color":52},{"text":823,"type":77},"-Karten ist ",{"text":801,"type":77,"marks":825},[826],{"type":144,"attrs":827},{"color":52},{"text":829,"type":77}," selbst der Emittent. Zudem fallen höhere Gebühren für den Zahlungsempfänger an. Daher sind ",{"text":808,"type":77,"marks":831},[832],{"type":144,"attrs":833},{"color":52},{"text":835,"type":77},"-Karten nicht überall in ",{"text":141,"type":77,"marks":837},[838],{"type":144,"attrs":839},{"color":52},{"text":841,"type":77}," gern gesehen.",{"type":73,"content":843},[844,846],{"text":845,"type":77},"In ihrer Anwendung unterscheiden sich die drei Kartentypen für die Endnutzer so gut wie gar nicht. ",{"text":847,"type":77,"marks":848},"Wichtiger als die Frage nach dem Kreditkartentyp ist die Frage nach der Bank, mit der Sie zusammenarbeiten wollen.",[849],{"type":152},{"type":198,"attrs":851,"content":852},{"level":200},[853,857,862],{"text":854,"type":77,"marks":855},"Die Abrechnung von ",[856],{"type":152},{"text":100,"type":77,"marks":858},[859,860],{"type":152},{"type":144,"attrs":861},{"color":52},{"text":863,"type":77,"marks":864}," über Privatkonten – eine gute Idee?",[865],{"type":152},{"type":73,"content":867},[868,870,874],{"text":869,"type":77},"Die kurze Antwort ist: nein. Seit 2015 ist es Unternehmen rechtlich nicht mehr möglich, die Privatkonten von Mitarbeitenden mit Ausgaben über die ",{"text":93,"type":77,"marks":871},[872],{"type":144,"attrs":873},{"color":52},{"text":875,"type":77}," zu belasten. Vor der entsprechenden EU-Verordnung sah der Prozess folgendermaßen aus:",{"type":472,"attrs":877,"content":880},{"order":878,"key":879},{"order":475},"ol-2",[881,907],{"type":479,"content":882},[883],{"type":73,"content":884},[885,887,891,893,898,900,905],{"text":886,"type":77},"Ein Mitarbeiter/eine Mitarbeiterin bekommt eine ",{"text":93,"type":77,"marks":888},[889],{"type":144,"attrs":890},{"color":52},{"text":892,"type":77},", die in bestimmten Zeitintervallen (z. B. alle drei Monate) über das private Kredit- bzw. ",{"text":894,"type":77,"marks":895},"Girokonto",[896],{"type":144,"attrs":897},{"color":52},{"text":899,"type":77}," statt über das ",{"text":901,"type":77,"marks":902},"Geschäftskonto",[903],{"type":144,"attrs":904},{"color":52},{"text":906,"type":77}," abgerechnet wird.",{"type":479,"content":908},[909],{"type":73,"content":910},[911,913,929],{"text":912,"type":77},"Bevor der fällige Betrag abgebucht werden kann, reicht der Mitarbeiter/die Mitarbeiterin eine ",{"text":914,"type":77,"marks":915},"Spesenabrechnung",[916,926,928],{"type":349,"attrs":917},{"href":918,"uuid":919,"anchor":25,"target":353,"linktype":354,"story":920},"/de/blog/spesenabrechnung-automatisch","9ef1fd2a-5d8a-4d5b-a362-b36b597b4a56",{"name":921,"id":922,"uuid":919,"slug":923,"url":924,"full_slug":925,"_stopResolving":41},"Automatische Spesenabrechnung: Weniger Papierkram mit Spendesk",208782335,"spesenabrechnung-automatisch","blog/spesenabrechnung-automatisch","de/blog/spesenabrechnung-automatisch",{"type":144,"attrs":927},{"color":52},{"type":531},{"text":930,"type":77}," ein und bekommt den Betrag vom Unternehmen erstattet.",{"type":73,"content":932},[933,935,939,941,946],{"text":934,"type":77},"Die Idee: Mitarbeitende sollten sich durch die Belastung des eigenen Kontos mit ihrer ",{"text":914,"type":77,"marks":936},[937],{"type":144,"attrs":938},{"color":52},{"text":940,"type":77}," beeilen und unterbewusst sparsamer mit Firmengeldern ausgeben. Dem setzte die EU jedoch ein Ende. Wenn Beschäftigte Kosten auslegen sollen, muss dies über ihre ",{"text":942,"type":77,"marks":943},"privaten Kreditkarten",[944],{"type":144,"attrs":945},{"color":52},{"text":947,"type":77}," geschehen.",{"type":189,"attrs":949},{"id":191,"body":950},[951],{"_uid":952,"text":953,"color":954,"title":955,"component":956},"i-b0a72a69-1cad-40a0-9f2d-89d846a2e882","**Gut zu wissen:** Für Firmenkreditkarten haftet immer das Unternehmen. 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Mitarbeitende beantragen Budgets, erhalten aufladbare Karten mit Ausgabenlimits, laden Belege per App hoch und lösen Genehmigungen in der Plattform aus; Finanzteams sehen Echtzeitausgaben, passen Buchungskonten und Mehrwertsteuersätze an und exportieren geprüfte Daten in die Buchhaltung.",{"_uid":3093,"title":3094,"component":1154,"description":3095},"790e1999-38a3-42aa-bac8-0fb45b14d1b9","Sind Debitkarten für Unternehmen eine bessere Alternative zu Firmenkreditkarten?",{"type":70,"content":3096},[3097],{"type":73,"content":3098},[3099],{"text":3100,"type":77},"Debitkarten bieten Unternehmen mehr Ausgabenkontrolle und geringeres Kreditrisiko als Firmenkreditkarten. Spendesk stellt physische und virtuelle Debitkarten mit individuellen Ausgabenlimits, automatischer Belegerfassung und Echtzeittransparenz bereit, sodass Finanzteams Betrug schneller erkennen, Budgets einhalten und Abrechnungen ohne Kreditschulden verwalten können.",{"_uid":3102,"title":3103,"component":1154,"description":3104},"3e115e59-06dd-4cde-9688-a8548de1ddf3","Wie helfen virtuelle Karten bei Online-Ausgaben und Abonnements?",{"type":70,"content":3105},[3106],{"type":73,"content":3107},[3108],{"text":3109,"type":77},"Virtuelle Karten reduzieren Betrugsrisiko und vereinfachen das Management von Online-Abonnements. 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Jetzt entdecken! ",[3188],{"_uid":3189,"items":3190,"heading":3227,"reverse":28,"component":1206,"sectionSettings":3245},"1c1c4a1e-9a5b-4d8e-b342-d540625e7bb4",[3191,3200,3209,3218],{"_uid":3192,"title":3193,"component":1154,"description":3194},"81b58d81-cd98-40db-a83a-2f4e13eeba61","Wie kann mein Unternehmen bargeldlose Zahlungen sicher verwalten?",{"type":70,"content":3195},[3196],{"type":73,"content":3197},[3198],{"text":3199,"type":77},"Spendesk zentralisiert und sichert bargeldlose Zahlungen für Unternehmen. Die Plattform bietet physische und virtuelle Firmenkarten, mehrstufige Freigabeworkflows, Budgetkontrollen und Echtzeit-Transparenz. Automatisierte Belegverwaltung, sofortige Kartensperre, Ausgabenkategorien und direkte Buchhaltungsintegrationen reduzieren Betrugsrisiko und beschleunigen Spesenabrechnungen. Integration mit ERP- und Buchhaltungstools, rollenbasierte Berechtigungen und Audit-Logs bieten vollständige Kontrolle für Finanzteams.",{"_uid":3201,"title":3202,"component":1154,"description":3203},"6f3036ab-e99c-4d7b-9a76-04b7bb0ca76f","Welche Vorteile bietet bargeldloser Zahlungsverkehr für kleine und mittelständische Unternehmen?",{"type":70,"content":3204},[3205],{"type":73,"content":3206},[3207],{"text":3208,"type":77},"Spendesk verbessert Liquidität und Kontrolle bei bargeldlosen Zahlungen für KMU. Die Plattform automatisiert Spesen und Rechnungszahlungen, bietet virtuelle Firmenkarten, Budgetlimits und sofortige Transaktionsübersichten. Das reduziert manuellen Aufwand, beschleunigt die Abstimmung mit Buchhaltungssystemen und verbessert Forecasting durch zentrale Ausgabenberichte. Die Lösung spart Finanzteams zudem Zeit bei Monatsabschlüssen.",{"_uid":3210,"title":3211,"component":1154,"description":3212},"b256a44a-f8f3-4269-a435-46206e440f4a","Wie unterstützt Spendesk die Umstellung von Bargeld auf digitale Zahlungen?",{"type":70,"content":3213},[3214],{"type":73,"content":3215},[3216],{"text":3217,"type":77},"Spendesk unterstützt die Umstellung von Bargeld auf digitale Zahlungen mit Tools zur Kartenvergabe, Ausgabenkontrolle und digitalen Belegen. Onboarding-Vorlagen, Ausgabenrichtlinien, physische und virtuelle Karten sowie automatische Belegerfassung erleichtern Mitarbeiterakzeptanz. 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