Cartes Bancaires is France's local card scheme and the most widely used payment method in the region. Payments with Cartes Bancaires accounts for around 60% of current household consumption in France. There are 71.1 million Cartes Bancaires issued cards and 12.4 billions transactions totalling €494 billion. More than 95% of French cards are Cartes Bancaires co-branded with Visa or Mastercard.

  • Higher authorization rates
  • Access to 94% French shoppers
  • Lower scheme fees
  • No SEPA entity required

Support omnichannel shopper journeys

With a single integration with Adyen, you can accept methods like Cartes Bancaires online, on mobile and in-store. An example flow is shown below:

 

Accept Cartes Bancaires with Adyen

Adyen offers a full-service Cartes Bancaires solution, including all reconciliation, reporting and settlement services. With Adyen, merchants have no need to enter into contracts with acquiring banks.

Market

Europe: France

Settlement currency

EUR

Channel Ecommerce, POS
Processing currencies EUR
Recurring transactions Yes
Refunds Yes
Partial refunds Yes
Multiple partial refunds Yes
Multiple partial captures Yes
3D Secure Yes
Settlement delay 2 days
Chargebacks Yes

The credit card commission is charged per transaction, and consists of three parts (referred to as Interchange++):

  • Acquirer markup: 0.60% 
  • Interchange fee: customer bank fee
  • Card Scheme fee: fee from the card scheme

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