Cartes Bancaires (CB France)
国家/地区: 法国 (FR) | 底层清算轨道: card_network
Card
市场普及率: 90%
Cartes Bancaires（简称 CB）是法国统治级的国民银行卡清算网络与本地卡体系，在法国消费支付与零售清算中占据 60% 以上的绝对主导地位，以法国商业银行全民持有、支持 3DS 安全验证及支持绑卡定期自动代扣为核心优势，广泛用于电商网购付款、SaaS 软件订阅、零售线下刷卡及公用事业缴费。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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