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
- No scheme fees
- 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