Cards Overview

Payment group: Cards (debit & credit)
Payment product id: 130

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Carte Bancaire (CB) is the local card scheme in France and by far the most commonly issued brand there. CB cards are always co-badged with Visa, MasterCard or (although not very often) Maestro. This allows French customers to use their CB card outside of France.

Following the introduction of EU regulations, you need to offer your French customers CB in addition to Visa / MasterCard / Maestro. This empowers your customers to choose between the different brands.

To comply with this regulation, we offer you the following options for the respective integration method:

• Create Payment API: Offer your customers CB on your payment page and create the payment as a CB transaction by sending PaymentProductID=130
  
  
• HostedCheckout API: You have two possibilities
  1. Offer your customers CB on your payment page and create the payment as a CB transaction by sending PaymentProductID=130
  2. Do not send PaymentProductID at all. The customers can choose their preferred brand on our Hosted Payment Page

If you have an acquiring contract with a French acquirer, this brand will be available by default, provided it has been added in your Back Office.

Key benefits

• Lower scheme and acquirers fees
• Preferred payment method for French customers
• Lower fraud rate compared to Visa / MasterCard
• Card payments enable e-commerce with a real-time authorization approval/decline response supporting the faster delivery of goods and services to the consumer
• Secure payments
• Fast settlement cycle
• International acceptance(as CB cards are co-badged with Visa / MasterCard)