Cartes Bancaires (CB)

Cartes Bancaires is France’s local card network. More than 95% of these cards are co-badged with either Visa or Mastercard, meaning you can process these cards over either Cartes Bancaires or the Visa or Mastercard networks. Businesses processing co-badged cards in the EEA must provide customers a choice of which network they prefer at checkout. Learn more in our guide for co-badged cards compliance.

Cartes Bancaires can have a positive effect on your acceptance rate in France. If a charge is declined on the Cartes Bancaires network for a technical reason, Stripe automatically retries the charge on Visa or Mastercard’s networks.

Availability

If your business isn’t based in France, you must first process one payment from a Cartes Bancaires eligible card to fully enable this payment method.

Disputes

As with Visa and Mastercard, cardholders can dispute Cartes Bancaires charges. Because Cartes Bancaires dispute rules are more stringent, there are fewer reasons that a cardholder can dispute a charge, which on average leads to a lower dispute rate compared to Visa and Mastercard. Businesses can’t contest Cartes Bancaires disputes. The dispute fee is 0 EUR on Cartes Bancaires.

Integration

If you can already accept card payments, you can accept Cartes Bancaires. See the co-badged cards compliance guide to learn how to best handle customer priority selection, and to find multiple test cards that you can use to test your integration as soon as it’s active. If you require that Cartes Bancaires is never the default network for any payments, contact Stripe Support.