# Cartes Bancaires with Apple Pay

> Accept Apple Pay payments on the Cartes Bancaires network for French customers paying in EUR.

Cartes Bancaires (CB) is the dominant card network in France. Most French bank cards are co-branded: the card belongs to both the Cartes Bancaires network and an international network such as Visa or Mastercard. When a French customer pays with Apple Pay, you can route the transaction through the Cartes Bancaires network rather than the international network, which typically means lower interchange fees for EUR transactions.

> VINR only supports Cartes Bancaires with Apple Pay for EUR payments. Transactions in other currencies must use the international network (Visa or Mastercard).

## When to enable Cartes Bancaires

Enable Cartes Bancaires with Apple Pay if:

- You accept EUR payments.
- You have Cartes Bancaires enabled on your VINR account (contact your account manager to confirm).
- You want to minimise interchange costs for French customers.

Do **not** include Cartes Bancaires in your supported networks for non-EUR transactions — doing so causes payment failures because the network only processes EUR.

## Liability shift

Cartes Bancaires Apple Pay transactions carry inherent liability shift within the EEA, the same as Visa and Mastercard Apple Pay transactions. The one-time cryptogram generated by device authentication satisfies SCA, and fraud chargeback liability shifts to the issuer. See [Disputes and refunds](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay/disputes-and-refunds) for the full liability table.

## Supported devices and regions

Cartes Bancaires with Apple Pay is available to customers at participating French banks. Refer to [Apple's participating banks list](https://support.apple.com/en-us/102775) for the current list of issuers. The card must be added to Apple Wallet at a participating bank to appear as a Cartes Bancaires card.

***

##### iOS

## Before you begin

To avoid payment failures:

- Add Cartes Bancaires to your enabled networks **only** when the transaction currency is EUR.
- Only enable Cartes Bancaires if your VINR account supports Cartes Bancaires charges — contact your account manager to confirm.
- If you are a platform using the `on_behalf_of` parameter, verify the connected account supports Cartes Bancaires charges using the [Capabilities API](/docs/api-reference).

## Accept Apple Pay

Follow the [Apple Pay setup guide](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay) to start accepting Apple Pay in your iOS app.

## Add Cartes Bancaires as an enabled network

When your app starts, add Cartes Bancaires to the SDK's enabled Apple Pay networks. Do this alongside your standard networks — do not replace them.

```swift
// AppDelegate.swift
VinrAPI.additionalEnabledApplePayNetworks = [.cartesBancaires]
```

This tells PassKit to present the Cartes Bancaires option when the customer has a co-branded French card in Wallet. For non-EUR transactions, omit this line.

## Test Apple Pay with Cartes Bancaires

Apple Pay Wallet cannot store VINR test card numbers. Instead, use a real Cartes Bancaires card from a participating French bank with your test API keys. VINR recognises the test key and returns a successful token without charging the card.

##### Web

## Before you begin

To avoid payment failures:

- Include `cartesBancaires` in your supported networks **only** when the transaction currency is EUR.
- Only enable Cartes Bancaires if your VINR account supports Cartes Bancaires charges.
- If you are a platform using the `on_behalf_of` parameter, verify the connected account supports Cartes Bancaires charges using the [Capabilities API](/docs/api-reference).

## Accept Apple Pay

Follow the [Apple Pay setup guide](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay) to complete domain verification and enable Apple Pay on your VINR account.

## Add Cartes Bancaires as a supported network

When creating your payment request, include `cartesBancaires` in the `supportedNetworks` array. Only include it when the payment currency is `EUR`.

```javascript
const paymentRequest = vinr.paymentRequest({
  country: 'FR',
  currency: 'eur',
  total: {
    label: 'Your order',
    amount: 2000,
  },
  supportedNetworks: ['visa', 'mastercard', 'cartesBancaires'],
  merchantCapabilities: ['supports3DS'],
});
```

### Elements (Express Checkout Element / Payment Element)

If you use the Express Checkout Element or Payment Element, VINR automatically includes Cartes Bancaires in the supported networks when the currency is EUR and your account supports it. No additional configuration is required.

## Test Apple Pay with Cartes Bancaires

Apple Pay Wallet cannot store VINR test card numbers. Use a real Cartes Bancaires card from a participating French bank with your test API keys — VINR returns a successful test token without charging the card.

## See also

[Apple Pay overview](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay) — Domain registration, eligibility, and integration methods.

[Disputes and refunds](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay/disputes-and-refunds) — Liability shift and fraud protection for Apple Pay transactions.

[Button guidelines](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay/button-guidelines) — Correct button styles and CTA types for French storefronts.