The dematerialised CESU enables the financing of personal services in the same way as the CESU cheques. The dematerialised CESU is a payment voucher that does not involve any paper device and is managed entirely from an online account. The scheme gives the company the opportunity to increase the purchasing power of its employees and improve their work/life balance.
What services can I pay for with dematerialized CESU?
A wide range of services can be paid for using the dematerialized CESU: childcare, childminders, tutoring, home tuition, home meal delivery, DIY, gardening, home maintenance and odd jobs, ironing, help for the elderly or disabled.
CESU dematerialized, what are the advantages for users?
Increased purchasing power
First and foremost, for users, dematerialized CESUs represent a significant income supplement. They enable users to call on more than 20 different types of personal services to support them in their daily tasks, and to benefit from a tax credit ranging from 25% to 50% of the amount spent, up to a limit of €2,301 per employee per year. In this way, the CESU contributes to the well-being of the beneficiary, enabling him or her to strike an ideal balance between professional and private obligations.
Ease of use
It is also an accessible, simple and quick solution. Beneficiaries of the dematerialised CESU can pay for personal services on a dedicated web portal and therefore no longer need to resort to the traditional paper cheque. There are no longer any transactions to be made with the service provider, who is paid by means of a transfer made directly from the beneficiary's account. This makes it possible to pay the worker in a few clicks, to the nearest cent and in complete security. Dematerialisation thus avoids the inconvenience of lost or damaged paper cheques.
What are the advantages of dematerialized CESU for companies?
The dematerialised CESU is totally exempt from social security charges, like its paper version.
The dematerialized CESU will enable the financer to better manage human resources, salary policies and tax situation, and constitutes an exemption from social charges, up to a ceiling of €2,301 per year per employee, a tax credit of 25% for the financer, as well as a charge deductible from companies' taxable profits. With the dematerialized CESU, the financer avoids the cost of postage and handling.
The Worklife card, a more efficient and economical alternative to CESU
The Worklife card is a high-performance solution for financing personal services. Worklife has set up an API with Urssaf, which means that the withholding tax can be taken into account when paying the homecare provider. The Worklife credit can also be used to finance childcare hours once CAF aid has been deducted, thus multiplying the number of hours financed by around 2.5 with the same amount compared with the classic Cesu. Worklife also finances all costs, including employer and employee contributions. Finally, users benefit from a 50% tax credit on the remaining amounts they have to pay.
The Worklife card allows the same social exemptions as the classic CESU. Companies can choose to finance services in an equitable manner or to reward their high-performing employees at a lower cost to them. Moreover, unlike the classic Cesu, the company no longer advances the costs: it only finances what is used.
