Cartes Bancaires

Get the best authorization rates in France
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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:

 

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Shopper orders item at home from a desktop and chooses to save card details.

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Shopper buys additional item via the mobile app and pays with a single click.

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Shopper makes a purchase in store with the same credit card.

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From the shopper's card the sales associate can view all previous purchases and offer loyalty reward.

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
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

Pricing

We charge:

Adyen processing fee + payment method fee

Commission per transaction, may differ per region.

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
Processing fee Payment method fee
€ 0.10 Interchange++ (average total 0.90% - 1.10%)

The Adyen platform supports all key payment methods globally.

See the full list

Ready to integrate?

To support this payment method, we offer an integration in which the payment page is hosted by Adyen. However, to ensure a seamless experience, the customer is directed straight from your site to the payment method, so the customer never lands on Adyen's page.

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