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:
Shopper orders item at home from a desktop and chooses to save card details.
Shopper buys additional item via the mobile app and pays with a single click.
Shopper makes a purchase in store with the same credit card.
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, 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 |
Pricing
We charge a processing fee + payment method fee per transaction.
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
The Adyen platform supports all key payment methods globally.