Cartes Bancaires

Get the best authorization rates in France

Cartes Bancaires is the French local card scheme and the most widely used payment method in France. In 2014, more than 94% of the French population above 15 years of age had a Cartes Bancaires card, and in 2015 there were 63.2 million Cartes Bancaires issued cards - representing an average of 1.4 cards per person. More than 95% of French cards are Cartes Bancaires cards co-branded with Visa and 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.


Europe: France

Settlement currency


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


We brengen verwerkingskosten en kosten voor de betaalmethode in rekening voor elke transactie​.

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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