Cartes Bancaires (CB France)

Country: France (FR) | Payment Rail: card_network

Card Market Adoption: 90%

Cartes Bancaires (CB) is the national card scheme of France processing over 60% of all consumer transactions with full recurring billing support.

🔄 User Payment Flow

Customer selects CB / Card payment at checkout
Customer enters 16-digit CB card number, expiration date, and CVV
Customer completes 3D Secure 2.0 biometric authentication via French bank app
Transaction is authorized and merchant receives payment confirmation

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API passes CB card token to acquiring gateway (Stripe / Adyen)
PSP routes transaction directly through French CB local clearing network
PSP receives authorization token and settles funds to merchant account