title: France — Scheme & Network Compliance | World Payments Monitor canonical: https://payments.gi/jurisdictions/france/w4/ publisher: Asymmetric Intelligence ### W4 Scheme & Network Compliance Probable confirmed 2026-06-23 France's domestic card scheme is Cartes Bancaires (CB), governed by Groupement des Cartes Bancaires CB (est. 1984), accounting for over 65% of household card spend; >95% of CB cards are co-badged with Visa or Mastercard, enabling routing choice domestically (CB) vs internationally (Visa/MC). Interchange is capped by the EU Interchange Fee Regulation (Reg. 2015/751: 0.2% debit / 0.3% credit). PCI DSS and 3D Secure / SCA are mandatory for card acceptance. Standing sub-brief · as of 26 June 2026 176 words · last cycle 2026-06-23 #### Scheme & Network Compliance Cartes Bancaires CB, established in 1984, is the leading French payment brand, with over 65% of household consumption paid by CB card; more than 95% of French cards are co-badged with Visa or Mastercard, enabling a choice between domestic CB routing and international scheme routing. CB does not support commercial-dispute or merchant-led fraud contestation, and PCI DSS and 3D Secure are mandatory. Co-badging and routing choice define merchant economics and acceptance strategy in France, and CB's no-commercial-dispute design differs materially from the international schemes. On scheme economics, the EU Interchange Fee Regulation caps interchange at 0.2% debit and 0.3% credit, applicable to CB transactions; CB interchange ranges roughly 0.20%–0.90% per EU regulation, paid by the acquiring bank to the issuing bank, with PCI DSS adherence required. These interchange caps directly set merchant acceptance cost economics for card payments in France. #### Outlook The scheme and interchange picture is stable; CB co-badging and routing arrangements and the IFR caps are not in active flux, with PCI DSS and 3D Secure remaining mandatory baseline obligations. no periodic updates on record for this sub-brief ** Sources and findings (4)** 1. T1 [https://www.pcisecuritystandards.org/about_us/principal-participating-organizations/cartes-bancaires/](https://www.pcisecuritystandards.org/about_us/principal-participating-organizations/cartes-bancaires/) retrieved 2026-06-23 2. T3 [https://knowledge.antom.com/cartes-bancaires-explained-what-global-merchants-need-to-know](https://knowledge.antom.com/cartes-bancaires-explained-what-global-merchants-need-to-know) retrieved 2026-06-23 3. T3 [https://stripe.com/resources/more/cartes-bancaires-an-in-depth-guide](https://stripe.com/resources/more/cartes-bancaires-an-in-depth-guide) retrieved 2026-06-23 4. T3 [https://www.lexology.com/library/detail.aspx?g=43e97180-d767-4eaf-966f-963646cb80b4](https://www.lexology.com/library/detail.aspx?g=43e97180-d767-4eaf-966f-963646cb80b4) retrieved 2026-06-23