What is a corporate virtual bank card and how does it work?

The corporate virtual card is an alternative to the classic physical bank card. It can be single-use or recurring-use. It offers greater flexibility and security, especially for online transactions. Find out all you need to know about these e-cards and how to choose one for your business.

Find out all you need to know about a nominative corporate bank card

Are you considering a nominative business bank card for your employees? Allocated individually to a specific employee, it enables better control of spending. However, there are also constraints that make it unsuitable for certain types of business. In this article, we explain everything you need to know about the nominative business bank card.

All you need to know about the business bank card

A business bank card is a payment solution that enables company directors and employees to pay their business expenses. It can be physical, virtual, credit, debit or prepaid. In this article, we explain everything you need to know about business bank cards.

How can I easily reduce bank charges on a business account?

Are you wondering how to reduce the bank charges on your business account? These are the various charges necessary to remunerate the bank for the services included in your bank account package. They may not seem like a lot, but they can be very expensive, affecting the profitability of your business. Here's our advice on how to reduce them. As a bonus, we'll explain how to get a 100% free pro account at the end of this article.

How can I open a business bank account online quickly?

You're about to open an online business bank account, but you're wondering how to go about it, and which bank to choose. A bank account offers many advantages. Here's a complete overview to help you open your business account.

How can I easily change my business bank?

Would you like to change your professional bank and are wondering whether this is possible and how to go about it? Faced with the diversity of offers available on the banking market, it's natural to want to switch to a more advantageous banking offer. It's a choice that's entirely possible and, above all, rational for the good of your organization. Find out how to proceed and how to choose a good business bank.

Our unfiltered list of the best Shine alternatives

Shine is one of the neobanks dedicated to professionals. This young French pro-bank aims to simplify life for the self-employed and SMEs. But does this bank really deliver on its promises? Although Shine has convinced over 100,000 customers, there are some very competitive alternatives. Find out more about the most competitive alternatives to Shine in this article.

Are there cheaper, more competitive alternatives to Qonto?

Qonto is undeniably one of the preferred banking providers for French businesses. The proof: it currently has over 450,000 businesses and self-employed people to its credit. Of course, there are many other online banks with very attractive offers. Find out here about better alternatives to Qonto.

Which is the better business bank between N26 Business and Revolut Business?

Are you looking for a modern, user-friendly neobank for your financial transactions? Find out more about the pros and cons of N26 Business and Revolut Business, two benchmark online banks. You'll discover a more efficient alternative to these 2 banks.

A straightforward comparison of Qonto and Revolut business: which is the best pro account?

Wondering which bank you should open a business account with? You have a wide choice of online banks such as Qonto and Revolut Business. Our Qonto vs Revolut Business comparison gives you all you need to know about these two neobanks.

Which neobank to choose between Shine, Qonto and N26?

Are you looking for the ideal neobank to support you in the day-to-day running of your business? Are you hesitating between Shine, Qonto and N26? Our comparison takes into account features, quality of customer service and rates to help you make the right choice. At the end of this article, we'll suggest an alternative to these 3 neobanks.

Which neobank to choose between Shine and N26 Business?

Looking for a neobank to open your business account? Are you hesitating between Shine and N26 Business? Both banks have their advantages, but also a number of disadvantages. That's why it's important to compare their rates, features and customer service before making your choice. Here's our full comparison with a more comprehensive alternative to the 2 solutions.

Filter-free comparison between Blank and Shine (and an alternative)

Looking for an online bank? Are you hesitating between Blanq and Shine? The main advantages of these two neobanks are time savings and flexibility. Here's a full comparison to help you make your choice, and as a bonus, an alternative with even more advantages.

Unfiltered comparison between Qonto and Shine (+ an alternative to these two neobanks)

Looking for an online bank to open your business account? We've put together a Shine vs. Qonto comparison where you'll see details of both banks. You'll also discover an alternative to the two neobanks.

Shine vs Revolut business: comparing the two new banks

Would you like to open a pro account and are wondering which solution to choose between Shine and Revolut? These two neo-banks are renowned for their pro accounts. Both offer a wide range of financial services to their customers. We've put together a straightforward comparison to help you make your choice. You'll also discover a much better alternative...

Our full, unfiltered review of the new Bunq bank

Looking for a bank for your business account? Discover our unfiltered opinion of Bunq. A neo-bank from the Netherlands, Bunq is a partner of choice, offering a comprehensive range of services for professionals and businesses. Its real plus is its commitment to the environment. We take a closer look at its features and present you with the best alternative.

Hero news: Valar raises 11.3 million euros

Fintech HERO raises €11.3 million from US investment fund Valar Ventures to become become the benchmark financial partner for VSEs and SMEs in Europe

How much does Revolut Business cost?

Are you looking for a mobile bank to create a pro account and would like to find out about Revolut Business rates? Launched in 2015, Revolut is one of the pioneers in mobile banking. Its mobile app makes it easy for self-employed workers and SMEs to have a bank account. In this article, we present the different tariffs offered by the British neobank. At the end, you'll discover a cheaper, more efficient alternative.

The 7 best alternatives to Revolut business

Are you looking for a bank to open a business account, and wondering what Revolut business is all about? Classed as a neobank, Revolut offers most of its services on an online platform. What are the features of a Revolut business account? In this article, we'll give you the answer, and at the same time suggest the best possible alternatives to Revolut business.

Pro bank account: 2024 comparison

Depending on their legal status, companies are sometimes required to open a business bank account. In all cases, this type of account is essential to separate the private and professional accounts of the manager(s). Here's a comparison of business bank accounts to help you choose among the many establishments available on the market.

France's new payment methods

The era of physical payment (cheques and cash) is on the wane. A trend that many of you have no doubt noticed. The landscape of new payment methods in France is undergoing a major transformation, with a craze for more modern, digital options. The popularity of contactless cards has grown impressively. Since the authorized limit was raised to 50 euros, use of this payment method has soared from 41% in 2019 to 62% in 2022. There has also been an accelerated rollout of NFC-compatible terminals in retail outlets, making contactless payments the new norm. And not to be outdone, online payments have surged, now occupying 17% of daily purchases, up from just 6% in 2019.

How can you integrate our multi-installment payment solution into your e-commerce site?

The use of a multi-payment solution has become an attractive alternative for e-tailers and consumers alike. It eases the financial pressure on buyers, while increasing the chances of conversion for sellers. According to a Deloitte study, almost half of all French people use it at least once a year.

What are the alternatives to Paypal for collecting your payments?

Looking for an alternative to PayPal? With sales of over $29 billion, PayPal dominates the market with its money transfer and payment platform functionalities. PayPal also integrates options such as "Buy Now, Pay Later" and credit solutions. For those looking for alternatives to its payment platform function, numerous options exist.

Which solution should you choose between GoCardless and Stripe?

Choosing a payment gateway is a crucial step for any online business. GoCardless vs. Stripe are two renowned alternatives in this field. The simplicity of the customer interface, pricing, geographical availability and integration possibilities are among the most important criteria for choosing between the two solutions. We take a look at these criteria for you in this article.

Which payment processor to choose between Stripe and Adyen?

You're looking for the ideal payment processor for your business and can't decide between Stripe and Adyen? Both solutions are well established on the market, each with its own strengths and weaknesses. They also have many similarities, so choosing between the two can be tricky. In this article, we give you all the keys you need to make your choice.

Which payment processor to choose between WooCommerce Payments and Stripe?

When choosing between WooCommerce and Stripe, there are a number of criteria to consider. As a key instrument in the checkout process, the payment processor is an essential element of your site. In this article, we explain everything you need to know to choose between WooCommerce and Stripe.

Which payment gateway to choose between Stripe and Paypal?

When it comes to payment processors, it's common to pit Stripe against Paypal. Are you hesitating between the two? The choice of a payment gateway is crucial to any online business. To make the right choice, you need to pay close attention to a number of criteria. Follow our guide to make the right choice.

Which payment processor to choose between Shopify payments and Stripe?

Looking for a payment gateway for your online store? Are you hesitating between Shopify payments and Stripe? Fairly similar on the whole, both platforms are excellent alternatives. In fact, Shopify payments integrates Stripe technology. Follow our guide to make the best choice.

Mollie vs Stripe: which is the best payment processor?

Are you looking for a solution to accept online payments and are hesitating between Mollie and Stripe? Both platforms offer secure and efficient solutions, but also have significant differences. However, your choice depends on your needs and your budget. In this article, you'll find a detailed comparison to help you make your choice.

Our unvarnished opinion of Mollie

Originally from the Netherlands, Mollie is a payment gateway specifically designed for SMEs. Looking for a review of this solution? Find out more about Mollie's features, pricing, advantages and disadvantages in our full review.

The 10 best online payment gateways

For an e-commerce business, choosing the right online payment gateway is crucial. These solutions facilitate and secure transactions between merchants and customers. There are many online payment gateways on the market, but which are the best? In this article, we review the 10 best online payment gateways.

The best systems for secure online payments

Are you looking for a secure Online Payment solution? According to the Fraud and Cybercrime 2021 barometer, more than one in two businesses suffered an attempted fraud between 2018 and 2020. Faced with this scourge, it's all the more important to turn to a solution that offers every guarantee of transaction security. We take a look at the various security features you need to check before choosing your online payment solution.

How can I easily integrate an online payment solution?

Integrating an online payment solution optimizes the customer experience and increases transaction efficiency. It also ensures a smooth flow of financial transactions, boosting customer confidence. However, there are many online payment solutions to choose from, each offering different rates and levels of security. Find out how to integrate this solution with ease.

The 10 online payment solutions

Looking for an online payment solution? The Covid-19 pandemic has led to a significant increase in e-commerce flows. For individuals and businesses alike, being able to pay for purchases online is a guarantee of time savings, speed, flexibility and security. But it's important to choose the right tool. In this article, we draw up a list of the 10 best online payment solutions.

SEPA direct debit: how long does it take?

Convenient and secure for businesses, SEPA direct debits are becoming increasingly popular in Europe. The European Central Bank even forecasts a 5.8% increase in flows since 2000, with sales of 23.2 billion euros by 2021. In this article, we tell you all you need to know about the implementation timeframe.

Understanding B2B SEPA direct debits

B2B direct debit simplifies transactions with your business partners. It allows you to debit your customers' bank accounts directly. It offers many advantages, but it also involves risks for the parties involved. We tell you everything you need to know about this financial process.

What is an invoice due for payment and what does the invoice due date mean?

The notion of invoice due date is of crucial importance in corporate financial management. It determines the deadline for paying an invoice, impacting cash flow and commercial relations. However, defining this deadline can sometimes pose challenges, raising the complex question of how best to manage payment terms. We explain the rules you need to know to optimize this process.

What is an overdue invoice, and what can be done about it?

An overdue invoice is always a source of concern for a company. An overdue invoice means that the payment deadline has passed, but that the debtor has not yet paid. This is the starting point for collection proceedings. We explain everything you need to know about overdue invoices.

Understanding what a pending payment is

Payment on hold, frequently encountered in commercial transactions, gives rise to various considerations. When a payment is held up, it can impact the fluidity of operations and confidence in financial systems. Often, this delay raises questions about the fluidity of online monetary exchanges. We explain how to manage this process effectively.

How long does a business transfer take?

How long does a business transfer take? In this article, we'll take a look at the usual transfer times and the possible reasons for transfer delays.

How long does an international transfer take?

An international credit transfer is when the recipient account is domiciled abroad. How long does an international transfer take? We answer that question in this article.

Optimize maximum card payment times with Hero

The maximum time limit for debiting a bank card can have a considerable impact on a company's cash flow. In fact, according to a study by the Observatoire des Délais de Paiement, 30% of late payments in B2B are linked to bank delays.

How do I receive a bank transfer on a Sunday?

Banks aren't open every day: they don't process all transactions outside their business days. But your business may operate 24/7. So you're wondering whether it's possible to receive a bank transfer on a Sunday, or any other day off in the banking sector?

How to make instant payments between professionals

Introduced in France in 2018, instant payment is growing rapidly. Appreciated for its speed, its use is growing rapidly, although still in the minority, with 2.7% of the volume of transfers made in 2022 (+46.4% in 1 year). We explain everything you need to know about this type of transaction.

How do I get paid by bank transfer?

Bank transfers are appreciated by businesses for their speed. It accounts for 19% of all payments made in France (Source: Banque de France). A bank transfer is a financial operation used to transfer funds from one bank account to another. Would you like to adopt it as a payment method within your company? We tell you all you need to know in this article.

How can I get cash payment as soon as the customer receives the invoice?

Levying your customers: can you impose it?

Calculate and apply a cash discount

Cash discounting allows savings of up to 2% on commercial transactions, optimizing companies' cash flow management.

How do you formulate your terms of payment? How with our template

Payment terms between professionals: a fundamental pillar for maintaining balance in B2B relationships.

Managing and accelerating customer collections: our 7 top tips

According to a report by the Banque de France, instant transfers have almost doubled in the space of a year. With these new payment methods, optimizing customer collection is crucial to maintaining healthy cash flow and supporting business growth, particularly in a dynamic B2B commercial environment.

Loi Dailly: everything you need to know to use it

According to the Banque de France, the average customer payment term in France is 42 days. Fortunately, there are solutions for securing customer collections. This guide will help you better understand the assignment of receivables under the Dailly Law.

How do you calculate the DSO?

How to calculate a trade receivable

A trade receivable is a sum of money owed by a customer for goods or services supplied on credit. This asset often represents more than a quarter of the balance sheet total. With the risk of non-payment and the importance of good cash management, you need to know how to calculate your trade receivables.

Optimize management of customer receivables

Wondering why trade receivables are such an important issue for your company? According to FIGEC, total bad debt losses in France amount to €56 billion a year. Find out how best to manage your trade receivables.

What is factoring and how does it work?

Factoring is an alternative financing solution for companies, enabling them to obtain advance payment of their trade receivables. It's the English version of factoring. What does factoring involve? What are its advantages and disadvantages? We tell you more in this article.

What is e-factoring?

Are you considering e-factoring to finance your company's working capital requirements? E-factoring is a derivative of factoring. It's a technique for selling receivables in return for immediate financing. We take a closer look at the concept in this article.

What is a factoring company and what is its purpose?

Looking for a way to finance your business, are you thinking of using a factoring company? Factoring is a financial technique that enables you to obtain immediate liquidity by transferring your customer invoices to a specialized company: the factoring company. But what does a factoring company do, and what is its purpose? We explain it all in this article.

Factoring contract: what is it and how does it work?

Are you looking for a source of financing for your business, and wondering how to structure your factoring contract? Factoring is a contract between a company and a specialized company to which it transfers its customer invoices in exchange for immediate cash. How does this type of contract work, and what are its advantages and disadvantages? We explain everything in this article.

Cheap factoring: how to compare the different factors?

Are you looking for a low-cost factoring solution? Factoring is a financing solution that provides companies with immediate liquidity in exchange for the sale of their customer invoices. It offers real advantages, provided you keep costs under control. Here's our guide to help you compare factoring companies and find a low-cost factoring contract.

Factoring: how much does it cost and how to calculate it?

Estimating the cost of factoring is essential before using this short-term financing solution. This technique enables you to benefit from immediate liquidity in return for commissions paid to the factoring company. Wondering how much this service costs? We take a look at the various elements that make up the cost of factoring.

Finance your invoices easily online with Hero (alternative to online factoring)

Are you looking for an alternative method of financing your business? Are you interested in online factoring? Factoring is an increasingly popular technique for selling invoices in exchange for a cash advance. It is now available in a variety of forms. In this article, we take a closer look at online factoring: advantages, disadvantages and procedures.

Finance your training organization's invoices with Hero

Are you a training organization looking to finance your invoices quickly? Factoring for training organizations is the ideal solution for you. In fact, this option is becoming increasingly popular in a wide range of sectors. It involves entrusting your invoices to a specialized company called a factor, to benefit from fast, flexible financing. In this article, we explore the advantages, disadvantages and terms and conditions of this financial technique.

Finance your SME's invoices easily with Hero

SME factoring is a financial solution for small and medium-sized businesses. By optimizing invoice management, this method enables SMEs to overcome cash flow challenges, promoting stable growth. In this way, factoring for SMEs offers a flexible alternative for strengthening the financial health of emerging businesses. In this article, we explain the specifics, conditions and advantages of this financing method.

Finance your VSE's invoices easily with Hero

VSE factoring offers an effective financial solution for small businesses. By assigning their invoices to specialized companies, VSEs can rapidly optimize their cash flow. This method enables entrepreneurs to maintain stable growth, ensuring smooth financial management. In this article, we present the characteristics, terms and benefits of this type of financing.

What is spot factoring (definition, advantages, how it works)

Spot factoring offers companies a flexible solution for optimizing their short-term cash flow. By temporarily transferring their receivables to a specialized third party, they benefit from an immediate financial injection.

All you need to know about factoring: definition, advantages, how it works

How to calculate and manage outstanding receivables?

Outstanding receivables correspond to all invoices due for payment by your customers. Find out how to control and optimize it

Supplier payment terms and rules to know

How can you effectively manage your supplier debts?

Trade payables represent the financial obligations a company owes its suppliers for goods or services purchased on credit.

How can you finance your business with a cash advance?

A cash advance can be a strategic lever to support a company's growth. This financing solution offers an immediate injection of cash, helping to overcome temporary obstacles. It can be used to finance the company's operating cycle, or to bridge a cash flow gap. Let's explore the different options for financing your business with this approach.

How to anticipate and manage urgent cash requirements?

An urgent cash requirement is a situation in which a company is faced with a lack of liquidity to meet its immediate expenses. This may be due to a sudden drop in revenues, late payment by customers, etc. To alleviate this urgent need, company managers need to find a source of financing quickly. In this article, we take a look at possible financing solutions.

What are cash requirements and how do you manage them?

To grow or simply to survive, a company needs cash flow. This is a crucial element in its financial health, as it can compromise its ability to pay suppliers and employees. So you need to act fast and find solutions to finance your cash flow needs. Let's take a look at what this means and how to deal with it.

Rates for a business loan in 2024: the latest data and our best advice

What is positive WCR and how can it be managed?

You've calculated your working capital requirements and are wondering how to interpret the result? A positive WCR is not necessarily bad news for your company. Several interpretations are possible. We explain everything in this article.

How can you pay your suppliers after 30 days?

30-day payment terms are common practice. This option makes it possible to extend payment terms, offering companies valuable flexibility. By understanding the implications of this approach, it is possible to better manage financial flows and optimize business relationships. In this article, we look at how you can extend your payment terms to optimize your cash flow.

Calculate and reduce your cash burn in 7 steps

How to plan and optimize your advertising budget?

Are you a small business looking to launch an advertising campaign? The first step is to set aside an advertising budget. This is the budget needed to launch an advertising campaign. Why plan for it? And how do you determine it? We tell you everything you need to know about the advertising budget in this article.

What is the rolling forecast and how do I use it?

In an ever-changing world, corporate finance managers increasingly need forecasting tools such as rolling forecasts. Wondering how to implement rolling forecasts in your organization? Here's a complete guide.

How to finance a start-up? The 8 best options

Financing your start-up is the lifeblood of any successful young company. But how do you identify the best source of funds for your entrepreneurial adventure? Hero has selected the 8 best solutions for you.

Business financing solutions: How to choose the right one?

Starting up or expanding a business often requires a suitable financing solution. In this complex entrepreneurial landscape, understanding and selecting the best option is vital to ensure healthy, sustainable growth.

Easily improve a company's cash flow

How can you improve your company's cash flow? This is a key question for any company manager or CFO. There are a number of ways to achieve this, such as optimizing the operating cycle, reducing costs, using factoring, and so on. Indeed, efficient management of financial flows is essential to ensure the stability and growth of a company. In this article, we present the main levers for achieving this.

Non-dilutive financing: what options are available?

Entrepreneurs, are you concerned about diluting your company when raising capital? In this article, we decipher the possibilities of non-dilutive financing, an alternative that enables you to mobilize financial resources without selling a share in your company. We'll look at the different options available.

What sources of financing for companies?

There's no shortage of sources of business financing: capital contribution, subsidy, bank loan, business angel, crowdfunding, factoring, leasing...

Opening a business with no money: impossible gamble or achievable challenge?

Would you like to open a business but don't have a penny to your name? Find out how with our 5-step guide.

Alternative financing: everything you need to know from A to Z

Are you looking for alternative financing for your business? There's no shortage of solutions: crowdlending, microcredit, RBF, factoring, BA, funds ...

What rate for a business loan this year? How do I get one?

Business loan rates are linked to Euribor rates (market rates). Bank loans are one of the most common forms of financing for businesses: if you too are considering a loan, find out all you need to know in this article.

What is negative WCR: and how can it be managed?

Do you have a negative WCR (working capital requirement)? Find out exactly what this means and how to use it to optimize your management.

Easily finance and optimize working capital requirements

Are you looking for financing for your working capital requirements? Find out how to finance and optimize it

How to finance your VSE?

Are you wondering how to secure financing for your very small business? Discover the different solutions in this article

What is revenue-based financing and how do you set it up?

Want to scale your business with revenue-based financing? Find out what it is and how to set it up.

Optimize your cash flow with a business cash loan

Are you considering a cash flow loan for your business? Find out more about cash loans for businesses and optimize your cash flow.

What is reverse factoring?

Are you considering reverse factoring to finance your supplier invoices? Discover reverse factoring in this article

Why has B2B checkout become essential to every business?

Progressive digitalization and the increase in online purchases have made online payment methods an essential tool for converting prospects into customers. With an average shopping cart abandonment rate of 70% for e-retailers and marketplaces, the ability to bring customers to the point of purchase is a front-line issue to which B2B checkout provides a real solution. What is checkout? How does it work, and what are its advantages? Hero explains.

Online payment for businesses: an indispensable payment facility

Long reserved for B2C transactions, online payment is now playing an increasingly important role in B2B commerce. Indeed, offering a seamless, secure payment experience is a major competitive advantage for all suppliers, e-merchants and B2B marketplaces.

B2B Marketplace: focus on payment solutions

For all B2B e-tailers, the choice of payment method for their marketplace is a major issue, which can influence the customer experience and boost sales. But with so many payment solutions to choose from, it's not always easy to make the right choice. Here's an overview of checkout methods for B2B marketplaces.

B2B Marketplace: the boom of a new model

The benefits of online payment for B2B companies

Gone are the days of checks and bank transfers! Today, payment in the B2B sector is well and truly on the road to digitalization. And with good reason! It represents a real opportunity for all B2B players. From building loyalty and boosting sales to securing transactions, here's an overview of the benefits of online payments for B2B companies!

Payment security: companies' number 1 concern

According to the Baromètre Fraude et Cybercriminalité 2021, 2 out of 3 companies have suffered at least one fraud attempt this year, and 1 out of 5 has suffered more than 5 attacks. This upsurge in fraud attempts (according to the same study, 64% of companies report an increase in the number of fraud attempts) is part of a long-term trend, which can be observed in all business sectors. It has to be said that the Covid-19 crisis has prompted companies to digitize at breakneck speed. And while there are real advantages to digitalization, the widespread use of teleworking in recent months (and the subsequent dematerialization of processes) has made companies more vulnerable to fraud attempts. Faced with these heightened risks, payment security is a major concern for companies. For, in addition to the financial cost of fraud, they also face a less tangible but equally real cost: the weakening of their image and damage to their reputation. That's why companies need to make payment security a priority, by identifying the associated risks and combating the potential fallibility of their processes. Detailed explanations.

Digitizing B2B payments

It's a fact: for several years now, the explosion of digital technology has completely reshuffled the cards in the professional world. A metamorphosis that the Covid-19 crisis, which began in March 2020, has only accelerated. With physical retailers forced to close their doors, managers have had to deploy a wealth of imagination to keep their businesses going and maintain links with their customers. In particular, they have relied on digitalization, by creating e-commerce sites, setting up "click and collect" systems, or (for the most advanced companies on this subject) improving their payment systems. It's no surprise, then, that online payments reached a staggering 112 billion euros in 2020, up 8.5% year-on-year. Sometimes forced, business leaders have come to realize the immense potential behind digital, and especially digital payments. Time and efficiency savings, simplified processes, enhanced security... There's no shortage of advantages. However, in the B2B sector, awareness doesn't seem to be the same. Are we really lagging behind? Generally speaking, how does the emergence of digital payments represent a minor revolution for the B2B sector?

Integrating a "Buy Now Pay Later" solution into your supply chain: 5 keys to success

BNPL ("Buy Now Pay Later") is a growing trend in e-commerce. As the name suggests, it's a financing model that allows customers to pay later, or in instalments (split payment). A much-appreciated flexibility! Of course, to ensure that this is risk-free for the merchant, any outstanding payments are covered by the solution provider, whether a bank or a platform like Hero. Would you like to integrate a BNPL solution into your purchasing process? Here are 5 key elements to implement to guarantee the success of this advantage.