Cartes Bancaires

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.

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 propertiesAskCopy

AvailabilityAskCopy

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

DisputesAskCopy

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.

IntegrationAskCopy

If you can already accept card payments, you can accept Cartes Bancaires without additional integration work. See the Co-badged cards & EU compliance guide to handle customer network selection and find test cards for your integration.

See alsoAskCopy