La Banque centrale de Tunisie (BCT) a publi\u00e9, ce vendredi 31 janvier 2025, la circulaire n\u00b02025-03 concernant les conditions d’exploitation de la plateforme \u00e9lectronique unique des ch\u00e8ques.<\/p>\n\n\n\n
La BCT a pr\u00e9cis\u00e9 que cette circulaire \u00e9tablissait les obligations et les proc\u00e9dures applicables au gestionnaire, aux adh\u00e9rents et aux utilisateurs de la plateforme. Elle a soulign\u00e9 que l\u2019adh\u00e9sion \u00e9tait obligatoire pour les banques et la Poste. Ceux-ci doivent :<\/p>\n\n\n\n
– Respecter les pr\u00e9requis techniques et de s\u00e9curit\u00e9 n\u00e9cessaires \u00e0 l\u2019int\u00e9gration de la plateforme.<\/p>\n\n\n\n
– Signer les conditions d\u2019adh\u00e9sion, \u00e9labor\u00e9es par le gestionnaire de la plateforme et approuv\u00e9es par la Banque centrale de Tunisie.<\/p>\n\n\n\n
– Se conformer au mod\u00e8le \u00e9conomique exig\u00e9 par le gestionnaire, apr\u00e8s consultation de la Banque centrale de Tunisie.<\/p>\n\n\n\n
Concernant les utilisateurs, la circulaire a rappel\u00e9 que l’acc\u00e8s \u00e9tait gratuit et qu’il suffisait de cr\u00e9er un compte selon les r\u00e8gles d’utilisation. Ce compte peut \u00eatre li\u00e9 aux comptes bancaires et postaux de l’utilisateur pour les personnes physiques ou \u00e0 ceux de son repr\u00e9sentant l\u00e9gal ou mandataire pour les personnes morales.<\/p>\n\n\n\n
Chaque utilisateur aura la possibilit\u00e9 de v\u00e9rifier :<\/p>\n\n\n\n
– L’existence d\u2019interdictions d\u2019usage des formules de ch\u00e8ques \u00e0 l\u2019encontre du tireur.<\/p>\n\n\n\n
– L’existence d’une opposition au paiement du ch\u00e8que en raison du vol ou de la perte.<\/p>\n\n\n\n
– La cl\u00f4ture du compte sur lequel le ch\u00e8que est tir\u00e9.<\/p>\n\n\n\n
– L’existence d’une provision suffisante et disponible au moment de la v\u00e9rification.<\/p>\n\n\n\n
Il est \u00e0 noter qu\u2019en vertu de l\u2019article n\u00b09 de la circulaire, la plateforme permet la r\u00e9servation instantan\u00e9e et s\u00e9curis\u00e9e de la provision du ch\u00e8que. Elle informe \u00e9galement les utilisateurs de l’affectation d’une provision ou d’un pr\u00e9avis de rejet.<\/p>\n\n\n\n
La circulaire comprend de nombreux articles relatifs aux obligations de l’entit\u00e9 gestionnaire de la plateforme, des banques et de la BCT. Elle traite \u00e9galement des proc\u00e9dures \u00e0 suivre en cas de pannes ou de d\u00e9faillances techniques, ainsi que des m\u00e9canismes de r\u00e9solution des conflits.<\/p>\n","protected":false},"excerpt":{"rendered":"
La Banque centrale de Tunisie (BCT) a publi\u00e9, ce vendredi 31 janvier 2025, la circulaire n\u00b02025-03 concernant les conditions d’exploitation de la plateforme \u00e9lectronique unique des ch\u00e8ques. La BCT a pr\u00e9cis\u00e9 que cette circulaire \u00e9tablissait les obligations et les proc\u00e9dures applicables au gestionnaire, aux adh\u00e9rents et aux utilisateurs de la plateforme. Elle a soulign\u00e9 que […]<\/p>\n","protected":false},"author":4,"featured_media":5305,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[14,43],"tags":[3999,896,4424,14532],"class_list":["post-62094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business","tag-bct-2","tag-circulaire","tag-conditions","tag-plateforme-electronique-unique-des-cheques"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=62094"}],"version-history":[{"count":1,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62094\/revisions"}],"predecessor-version":[{"id":62095,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62094\/revisions\/62095"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/5305"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=62094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=62094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=62094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}