France Payments

Content on France payments for high-risk merchants (iGaming/betting, FX/CFD, crypto/CASP, adult, nutraceuticals, travel, subscriptions). We cover:

• Rails & methods: domestic Cartes Bancaires (CB) routing and co-badged CB + Visa/Mastercard cards; Apple Pay/Google Pay; SEPA SCT / SCT Inst, SEPA Direct Debit (Core/B2B); Open Banking (PIS) adoption; wallets like Paylib/Lydia; payout rails and settlement currencies (EUR, multi-currency accounts via EMI/banks).

• Optimization: local vs cross-border acquiring, BIN/issuer geo rules, 3DS2/SCA decisioning and exemptions (TRA/LVP/secure corporate), smart routing & cascading, retries on soft declines, descriptor testing in FR.

• Risk & compliance: AML/KYC/KYB & KYT, sanctions/geofencing; GDPR (CNIL) and data-minimization; scheme monitoring; documentation for banks/EMIs; audit-ready logs.

• Regulatory landscape (practical notes): PSD2/SCA in EU/EEA; France-specific oversight (e.g., ACPR/AMF for payment/financial services, ANJ for regulated online gambling); crypto CASP under EU MiCA; reporting to Tracfin for AML.

• Use cases: deposits (pay-ins), recurring & free-trial→subscription (CIT→MIT), wallet top-ups, prize/payout flows, refunds vs reversals, reconciliation/webhooks, VAT basics for digital services.

Authoritative outbound resources about France Payments:

• Groupement des Cartes Bancaires CB — network & merchant resources

• European Payments Council — SEPA SCT/SCT Inst & SDD

• EBA — PSD2/RTS on SCA (EU)

• CNIL — GDPR guidance (FR)

• ACPR/AMF — licensing & supervision (payments/CFD/FX)

• ANJ — online gambling regulation (FR)