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:
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 |
| 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.