Member access
The bank card is the means of payment preferred by the French
More than 40% of internal French consumption is paid for with a CB card.

Merchants

A reliable payment system

Other than the approximately 60 million CB cards in circulation, payment by CB card has a fundamental advantage: it is guaranteed, meaning that the CB acceptor (the merchant, the craftsmen, the member of a liberal profession, the local authority, etc.), is certain of being paid the corresponding amount providing they have respected their contractual obligations.

 

To accept the CB card, it is just a matter of concluding a contract with your bank, equipping yourself with certified equipment and complying with the CB graphical charter. Of course, you must also follow the security rules specified in the contract to avoid fraud.

 

In order to improve the way that the expectations of merchants are taken into account in its products and services, CB dialogues with their representatives via an advisory council.

All companies, associations, public administrations or single-person companies may accept payments by CB card (sale of goods and services, rental, donations and subscription premiums) providing they are registered with INSEE, which has assigned them a SIRET number (14 figure identifier).  

 

This concerns commercial companies, associations, people with the French status of "auto-entrepreneur", individual contractors and liberal professions, whose by-laws and company name justify the acceptance of payment by CB card. To accept the card, it is necessary to sign an acceptance contract with a bank that is a CB member, which defines the obligations of each party: security measures, commercial relationship, financial and guarantee conditions. 

 

A contract is necessary for each payment channel: face-to-face payment, remote payment (remote sales, e-commerce, etc.), payment on automated systems, recharging electronic wallets, etc. 

 

CB merchants may obtain the elements necessary for setting up payments (equipment and software) either from their CB member bank or from retailers who market manufacturer’s products that have obtained CB certification. CB merchants are also obliged to tell the public that they accept CB cards by prominently placing signs and window stickers including the CB logo at the point of sale, on their Internet site and in all communication media. 

 

Official CB window sticker:

 

 

FOR MORE INFORMATION, DOWNLOAD THE FOLLOWING DOCUMENTS:

Understanding the pricing of card payment transactions

multilateral interchange fees and tariffs

A merchant that belongs to the CB system must use an approved CB terminal. CB certification is the technical process for ensuring that these terminals reach the functional and security level required by CB. The equipment certified by CB covers both the requirements of face-to-face sales (independent terminal) and those of large brands (distributed e-cash). 

 

The same item of equipment may be used for several purposes such as CB payment, payment using a foreign card, processing a loyalty card, etc. CB certification makes sure that there is no interference between these different uses. 

 

To obtain the equipment, the merchant may contact their bank. Each CB bank has a personalised range of certified terminals. They may also purchase equipment directly from retailers offering certified equipment. 

 

Consult the list of certified equipment

These 9 instructions should be followed to offer your customers CB payments in complete security.

 

  • 1. Give the cardholder optimal security conditions: the location of the keyboard must let them enter the confidential code away from prying eyes. 
  • 2. Keep the payment receipts in a safe place for fifteen months. 
  • 3. Educate personnel in contact with customers, regularly reminding them of the visual checks to be made on the CB card. 

In case of the presentation of a foreign card or in case of doubt 

 

  • 4. When it is required, compare the signature on the ticket with that on the card. 
  • 5. Ask the cardholder for proof of identity. 
  • 6. Check the presence of the card’s visual security systems, particularly the hologram or the watermark visible under the same UV light that is used to check banknotes. 
  • 7. Check that the card number printed on the "merchant receipt" does correspond to the number shown on the holder’s card. 

For remote sales 

 

  • 8. Ask the cardholder to communicate the last three figures of the number shown on the signature panel on the back of the card: this additional security mechanism is known as the card verification value code. 
  • 9. Preserve the confidentiality of the data for the card communicated by its holder during a remote purchase. During a purchase by telephone, the oral validation consisting of repeating the data stated by the cardholder must be done in a discreet manner.

Twice a year, a meeting of the advisory council brings together CB experts and organisations representing CB acceptors. These meetings inform stakeholders of news concerning the CB system and, above all, provide a means of discussing issues on specific expectations. These meetings are a crucial component of CB governance. 

 

The professional organisations participating in this committee form part of the main representative organisations, including: 

 

   

         

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