Cartes Bancaires (CB)

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

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.

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

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.

Won disputes

In some cases, Cartes Bancaires might withdraw a dispute, and the dispute status becomes won.

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.

Apple Pay support

Note

Stripe only supports EUR payments for Cartes Bancaires with Apple Pay.

Use this guide to enable Cartes Bancaires in your Apple Pay integration.

Before you begin

To avoid issues with failed payments, take the following steps:

Add Cartes Bancaires to your list of enabled networks only if the transaction is in Euros.
Only enable Cartes Bancaires with Apple Pay if you support charges through Cartes Bancaires.
If you’re a platform using the on_behalf_of parameter, make sure that the on _ behalf _ of account supports Cartes Bancaires charges. Check an account’s eligibility using the Capabilities API .

Set up Stripe

First, you need a Stripe account. Register now.

Accept Apple Pay

Follow the Apple Pay guide to start accepting Apple Pay.

Add Cartes Bancaires as an enabled network

When your app starts, configure the SDK with Cartes Bancaires as an enabled Apple Pay network.

AppDelegate.swift

Select a language

Swift

Objective C

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StripeAPI.additionalEnabledApplePayNetworks = [.cartesBancaires]

Test Apple Pay

Apple Pay Wallet can’t save Stripe test card information. Instead, Stripe recognizes when you’re using your test API keys and provides a successful test card token for you to use. This allows you to make test payments using a live card without any charges being applied.

Make sure you test using a Cartes Bancaires card obtained from one of the Apple Pay participating banks.