# Cartes Bancaires

> Accept Cartes Bancaires — France's local card network — with VINR.

Learn about Cartes Bancaires, a common payment method in France.

Cartes Bancaires (CB) is France's local card network. More than 95% of these cards are co-badged with either Visa or Mastercard, meaning you can process them over either the Cartes Bancaires or the Visa/Mastercard networks. Businesses processing co-badged cards in the EEA must provide customers a choice of which network they prefer at checkout. See [Co-badged cards & EU compliance](/docs/payments/payment-methods/add-payment-methods/cards/co-badged-cards).

Cartes Bancaires can improve your acceptance rate in France. If a charge is declined on the Cartes Bancaires network for a technical reason, VINR automatically retries the charge on the Visa or Mastercard network.

## Payment method properties

| Property                  | Value                          |
| ------------------------- | ------------------------------ |
| Customer locations        | Europe                         |
| Presentment currency      | EUR                            |
| Payment confirmation      | Customer-initiated             |
| Payment method family     | Cards                          |
| Recurring payments        | Yes                            |
| Payout timing             | Standard payout timing applies |
| Dispute support           | Yes                            |
| Manual capture support    | Yes                            |
| Multicapture support      | Yes                            |
| Refunds / Partial refunds | Yes / Yes                      |

## Availability

Your business must be located in the Single Euro Payments Area (SEPA). You can activate Cartes Bancaires in the Dashboard under **Settings → Payment methods**.

If your business is not based in France, you must process at least one payment from a Cartes Bancaires-eligible card to fully enable this payment method.

VINR accounts in the following countries can accept Cartes Bancaires payments:

AT, AU, BE, BG, CA, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GI, GR, HK, HR, HU, IE, IS, IT, JP, LI, LT, LU, LV, MT, MX, NL, NO, NZ, PL, PT, RO, SE, SG, SI, SK, US

## Disputes

As with Visa and Mastercard, cardholders can dispute Cartes Bancaires charges. Because Cartes Bancaires dispute rules are more stringent, there are fewer grounds on which a cardholder can raise a dispute — this typically results in a lower dispute rate compared to Visa and Mastercard. Businesses cannot contest Cartes Bancaires disputes. The dispute fee is €0 on Cartes Bancaires.

> In some cases, Cartes Bancaires may withdraw a dispute, and the dispute status becomes `won`.

## Integration

If you can already [accept card payments](/docs/guides/accept-a-payment), you can accept Cartes Bancaires without additional integration work. See the [Co-badged cards & EU compliance](/docs/payments/payment-methods/add-payment-methods/cards/co-badged-cards) guide to handle customer network selection and find test cards for your integration.

## See also

[Co-badged cards & EU compliance](/docs/payments/payment-methods/add-payment-methods/cards/co-badged-cards) — EU requirement to offer cardholders a choice of network on co-badged cards.

[Cards](/docs/payments/payment-methods/add-payment-methods/cards) — Supported card brands, capabilities, and geographic considerations.