Member access
CB, French payment system
CB, a card payment system, is the leader in France with more than 10 billion transactions per year. The system is managed by the Groupement des Cartes Bancaires CB.

CB

CB is an Economic Interest Group (EIG) consisting about120 establishments that provide payment services. The Group’s missions include the governance, security and promotion of the CB system as well as the development of products and services and innovation in the field of payment systems with respect to legislative and regulatory rules.

 

The functions of the Group now include development work, standardising security specific to DLV cards (hardware support for Dematerialised Luncheon Vouchers, or Titres Restaurant Dématérialisés, produced by the members of College B).

 

 

Via the holding company CB Investments, CB controls three subsidiaries:

 

 

role CB

 

The CB members

Each member either belongs to College A (main member or associate member) or College B (DLV member). Each college has different conditions for membership and the respective rights and obligations both also differ.

 

Members of College A 

 

The members of College A are lending institutions or, in a more general sense, payment institutions authorised to provide payment services and/or issue and manage electronic payments. When they join, they undertake to comply with the CB Statutes and to respect all CB rules and decisions worldwide. They also sign a licensing agreement permitting them to use the CB brand.

 

The members of College A are obliged to present financial and technical guarantees and to contribute towards CB operating and investment costs. They may also issue CB cards, install ATMs and sign CB acceptance contracts with retailers. They are entitled to avail of CB services and also participate in its governance. Members also hold rights to CB shares.

 

Members of College A undertake to fulfil the requirements for membership or are associated with a main member.

 

The principal members provide financial and technical guarantees for their CB transactions and those of their associate members. The principal members inform their associate members of their rights and obligations. They may become members of the Executive Committee providing they fulfil the conditions defined in the by-laws.

 

Other institutions authorised to supply payment services may issue CB cards, install cash withdrawal machines and conclude contracts with merchants without being CB members because they are related in a capitalistic or legal manner to a CB member: these are CB Group Entities.

 

Members of College B

 

The Members of College B are issuers of Dematerialised Luncheon Vouchers (Titres Restaurant Dématérialisés), which are vouchers that are subject to those regulations applicable to restaurant and meal vouchers.

 

When they join, they undertake to respect those rules of the Group that are applicable to them and also present technical and financial guarantees so as to ensure the correct execution of DLV transactions.

 

Members who are involved in activities that are relevant to both College A and College B must respect the rights and obligations of each of the two colleges and, in particular, join separately for each of the respective activities.

 

THE interbank fees

Each member of collège A has obligations in relation to the other members of collège A and must provide services which are paid for: 

 

  • By the members of collège A who have affiliated merchants, for payment, 
  • By the issuers of CB cards, for cash withdrawal. 

 

MORE INFORMATION AND DOWNLOAD:

Decision of the Competition Authority 

The undertakings of the banks 

understanding the pricing of card payment transactions

multilateral interchange fees and tariffs

List of principal CB members on 27 September 2013 :

 

   

    

 

 

The Committee determines the general policy pursued by CB, confirms whether or not member requests for admission or exclusion fulfil the conditions set out in the constitutive contract, directs the work of the Group, approves its budget and validates the rules pertaining to the CB system.

 

It is constituted for two years and includes:

 

  • The top ten main members (in terms of voting rights);
  • Two other main members elected by a college of main members other than the top ten main members;
  • A representative of the Members of College B, who sits on the Executive Committee for matters common to the 2 colleges or specific to College B;
  • A Chairman appointed by the Executive Committee;
  • An observer from Banque de France ;
  • A qualified natural person.

 

List of principal members on the Executive Committee on 26 february 2015 :

 

    

   

A - B - C - D - E - F - G - H - I - J - K - L - M - N - O -P - Q - R - S - T - U - V - W - X - Y - Z


A
ADYEN BV

AFONE PAIEMENT

AL KHALIJI FRANCE

ALLIANZ BANQUE

ANDBANk MONACO SAM

ATTIJARIWAFA BANK EUROPE

AXA BANQUE

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B
BANCA CARIGE SPA

BANCA POPOLARE DI SONDRIO (SUISSE) SA

BANCO BILBAO VIZCAYA ARGENTARIA SA

BANCO BPI

BANCO DE SABADELL

BANK AUDI FRANCE

BANK OF CHINA LIMITED

BANQUE CALEDONIENNE D’INVESTISSEMENT - BCI

BANQUE CHAABI DU MAROC

BANQUE CHABRIERES

BANQUE COURTOIS

BANQUE DE FRANCE

BANQUE DE L’EUROPE MERIDIONALE - B E M O

BANQUE DELUBAC & CIE

BANQUE D’ESCOMPTE

BANQUE DU GROUPE CASINO

BANQUE EDEL SNC

BANQUE ESPIRITO SANTO ET DE LA VENETIE

BANQUE FRANCAISE MUTUALISTE - BFM

BANQUE FIDUCIAL

BANQUE KOLB SA

BANQUE LAYDERNIER

BANQUE MARTIN-MAUREL

BANQUE MICHEL INCHAUSPE - BAMI

BANQUE MISR

BANQUE NEUFLIZE OBC

BANQUE NUGER

BANQUE POUYANNE

BANQUE REVILLON

BANQUE RHONE ALPES

BANQUE SBA

BANQUE SOCREDO

BANQUE SOLFEA

BANQUE TARNEAUD

BARCLAYS BANK PLC

BLOM BANK FRANCE

BMCE BANK INTERNATIONAL PLC

BNP PARIBAS

BNP PARIBAS PERSONAL FINANCE

BNP PARIBAS WEALTH MANAGEMENT

BPCE

BSI - MONACO SAM

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C
CA CONSUMER FINANCE

CA INDOSUEZ WEALTH (FRANCE)

CAISSE DE CREDIT MUNICIPAL DE TOULON

CAISSE DES DEPOTS ET CONSIGNATIONS

CAIXA GERAL DE DEPOSITOS

CARREFOUR BANQUE

CFM INDOSUEZ WEALTH

CHOLET DUPONT

COFIDIS

COMPAGNIE GENERALE DE CREDIT AUX PARTICULIERS CREDIPAR

COMPAGNIE MONEGASQUE DE BANQUE

CONCARDIS

CONFEDERATION NATIONALE DU CREDIT MUTUEL

CREALFI

CREATIS

CREDIT AGRICOLE S.A.

CREDIT DU NORD

CREDIT INDUSTRIEL ET COMMERCIAL

CREDIT LYONNAIS

CREDIT MUTUEL ARKEA

CREDIT SUISSE (LUXEMBOURG)

CREDIT SUISSE (MONACO)

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D

DANELYS PAYMENT

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E

EDMOND DE ROTHSCHILD (FRANCE)

EDMOND DE ROTHCSHILD (MONACO)

EFG BANK (MONACO) SAM

 

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G
GROUPAMA BANQUE 

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H
HSBC FRANCE

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I
ING BANK NV

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K
KBC BANK

KBL RICHELIEU BANQUE PRIVEE

KEB HANA BANK

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L
LA BANQUE POSTALE

LAZARD FRERES BANQUE

LEMON WAY

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M
MONABANQ.

MONTE PASCHI BANQUE S.A.

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O

OFFICE DES POSTES ET TELECOM. DE LA NOUVELLE CALEDONIE

OFFICE DES POSTES ET TELECOM DE LA POLYNESIE FRANCAISE

OLKY PAYMENT SERVICE PROVIDER

ONEY BANk

OPS

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P
PAYPAL

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R
RCI BANQUE

ROTHSCHILD ET COMPAGNIE BANQUE 

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S

SETEFI

SOCIETE GENERALE S.A.

SOCIETE MARSEILLAISE DE CREDIT

SOCRAM BANQUE

SWISSLIFE BANQUE PRIVEE

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T

TRESOR PUBLIC

TUNISIAN FOREIGN BANK 

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U

UBI BANCA SPA

UBS (FRANCE) SA

U ETABLISSEMENT DE PAIEMENT

UNION BANCAIRE PRIVEE (UBP) MONACO

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V
VOLKSWAGEN BANK

VTB BANK (FRANCE) SA

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W

W-HA

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  • EDENRED FRANCE
  • NATIXIS INTERTITRES
  • SODEXO PASS FRANCE
  • UP

The fundamentals of e-cash

You are a CB member and you are interested in the fundamentals of e-cash: consult the programme and register for the next session.

 

 

 

 

 

 

 

 

 

 

The fight against fraud

You are a CB member and you are interested in the fight against fraud: consult the programme and register for the next session.

 

 

 

 

 

 

 

 

 

 

 

The issuance of bank cards

You are a CB member and you are interested in the issuance of bank cards: consult the programme and register for the next session.

 

 

 

 

 

 

 

 

 

  

Cryptography

You are a CB member and you are interested cryptography: consult the programme and register for the next session.

 

 

 

 

 

 

 

 

 

 

  

OSCar: A SEPA payment solution

You are a CB member and you are interested OSCar: consult the programme and register for the next session.

 

 

 

 

 

 

 

 

 

 

 

  

Successful OSCar, EPAS, SEPA-FAST project implementation

You are a CB member and you are interested OSCar, EPAS, SEPA-FAST: consult the programme and register for the next session.

 

College A:

 

The approximately 130 CB members are establishments who provide payment services and/or issue and manage electronic payments. When they join, they undertake to comply with the rules of the CB system and present technical and financial guarantees to ensure the correct execution of all CB card operations and the activities of those authorised to use the system.

 

College B:

 

The members of College B are issuers of Dematerialised Luncheon Vouchers (Titres Restaurant Dématérialisés) – vouchers that are subject to those regulations applicable to restaurant and meal vouchers.

 

When they join, they undertake to comply with the rules of the CB system and present technical and financial guarantees to ensure the correct execution of all DLV (TRD) transactions.

 

The General Assembly approves the accounts. It appoints the Administrator, the management controllers and the auditor. It also decides the CB system’s general principles for invoicing.

 

As part of the mission assigned to it by the members, the Executive Committee is tasked with determining the general policy pursued by CB and consequently issuing directives to the Administrator.

 

The Executive Committee is elected for two years and is comprised of:

 

  • The top ten main members (in terms of voting rights);
  • Two other main members elected by a college of main members other than the top ten main members;
  • A representative of the Members of College B, who sits on the Executive Committee for matters common to the 2 colleges or specific to College B;
  • A Chairman appointed by the Executive Committee;
  • An observer from Banque de France ;
  • A qualified natural person.

CB is attentive to the considerations of all the card-payment stakeholders, peculiarly via their representative bodies and associations. They meet at least twice a year in three Advisory Councils (Manufacturers, Acceptors and Consumers), under a protocol that defines the areas of competence of each of the councils. They therefore contribute to enhancing and developing the range of CB services. This governance reflects the level of contact and high responsiveness in case of requirements that CB always wishes to have.

 

The Group is organised as a project group. Projects are defined by the Executive Committee and pursued in collaboration with the CLPD (Committee for Large Projects and Developments).

 

Three user groups (range of products and services – the fight against fraud – systems and data) work together to complete each project and maintain the systems and data verified by the Group.

 

 

THE INTERBANK COMMITTEES

 

Each member of collège A has obligations in relation to the other members of collège A and must provide services which are paid for:

 

  • By the members of collège A who have affiliated merchants, for payment
  • By the issuers of CB cards, for withdrawal

 

For more information, download the following documents:

Decision of the Competition Authority

The undertakings of the banks

Understanding the pricing of card payment transactions

multilateral interchange fees and tariffs

The Constitutive Contract

The NEW GOvernance

CB must make sure that the products that are used on the field and the industrial processes that generate these products are compliant with functional and security standards.  

 

CB certification is the technical process for performing this check: 

 

  • A manufacturer who wishes to sell a product within the CB system must first have it approved.
  • A merchant that belongs to the CB system must use an approved CB terminal.
  • A CB member bank must deliver, to its cardholders, bank cards that are approved by the Group.

Also, CB certification is concerned when referencing the Certification Organisations and Laboratories, which are stakeholders in the CB certification scheme. The certification scheme has been established in accordance with European requirements (SEPA).

 

It is the CB Certification Centre which, within the Group, manages the CB certification policy and controls the various processes of CB approval.

 

CB acceptance approval scheme

 

MORE AND DOWNLOAD

CB acceptance approval scheme

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