A Verisk Business
Verisk Financial Research Logo
Sign In
 /  Country Reports  /  Europe  /  France

France Country Report

Already purchased?
  • Published Date: February 2019

A comprehensive overview of the cards, payments and consumer banking market in France.

The Verisk Financial Research France Country Report delivers commentary on France's retail banking and payments landscape supported by historic and forecast data. The report gives detailed insight into the market's key players, including cards networks, issuers, acquirers, banks, and PSPs, plus France's payments infrastructure, digital and mobile payments developments, demographic and consumer trends, regulatory drivers, credit card profitability, and more.


  • France's retail banking and payments landscape is dominated by five large banking groups: BNP Paribas, Crédit Agricole, Société Générale, BPCE and Crédit Mutuel.
  • These banks are the leading issuers and acquirers in the market and are also key stakeholders in the national card association. Additionally, they compete with fintechs through mobile payment services and online banking subsidiaries.
  • There are several new banks providing competition to traditional retail banks in the market. These banks vary considerably in their delivery mechanisms, range of services and ownership models.
  • Contactless, mobile and instant payments are being promoted by the French government as alternatives to cash and cheques, which remain in widespread use.
  • Instant payments were made available in France in 2018 through the SEPA Instant Credit Transfer scheme. These have been made available by most banks – though many levy a charge which discourages widespread use.
  • The average French adult made 264 card purchases during 2018, of which 15 per cent were contactless and 13 per cent online.
  • There is a competitive mobile payments landscape though usage remains low. Homegrown options such as Paylib, Lyf Pay and Lydia compete with Apple, Samsung and Google.
  • Most bank-issued cards are issued on the domestic Cartes Bancaires network and co-badged with Visa or Mastercard.
  • Deferred debit cards are more common than revolving credit cards and attract higher transaction volumes.
  • Multifunctional cards are a feature of the French cards market with different combinations of debit, deferred debit and credit functionality available on a single card.
  • The market in France for revolving credit cards has declined significantly in the last decade due to new legislation placing restrictions on revolving credit. This has resulted in a substantial shift away from revolving credit towards other forms of consumer credit.
  • This has also weakened the position of consumer finance specialists such as Cetelem, which traditionally played a leading role in France's credit cards market.

France Payments research | Report Contents

Key Topics
Demographics and the economy
Payments environment
Cards market
Mobile payments
Profit pool
The networks
Key retail banks and issuers
Acquiring and processing
Online acquiring
Regulatory and other cards market information

Appendices: Payment Card Data

Appendix I: Demographics and the economy

  • Population metrics
  • Ownership of key consumer devices
  • Internet usage by population

Appendix II: Payments environment

  • Access points
  • Account penetration
  • Consumer payment trends
  • B2C e-commerce payment methods

Appendix III: Cards market

  • Total cards payment metrics
  • Contactless cards metrics
  • Credit card numbers
  • Total credit cards metrics
  • Credit cards profitability indicators
  • Debit cards numbers
  • Debit cards metrics
  • Prepaid/e-money cards metrics

Appendix IV: Mobile payments

  • Mobile proximity payment metrics
  • Mobile P2P payments

Appendix V: Profit pool

  • Profit pool

Appendix VI: The card networks

  • Networks' credit card market shares
  • Networks' credit card numbers
  • Networks' credit card billed volume
  • Networks' number of credit card transactions
  • Networks' average credit card transaction value
  • Credit card interchange fees by network
  • Networks' debit card market shares
  • Networks' debit card numbers
  • Networks' debit card billed volume
  • Networks' number of debit card transactions
  • Networks' average debit card transaction value

Appendix VII: Debit card interchange fees by network

  • Appendix VII: Key retail banks and issuers
  • Key credit card issuers market shares by credit card numbers
  • Key issuers market shares in credit card outstandings
  • Key debit card issuers market shares by debit card numbers

-Appendix VIII: Acquiring and processing

-Merchant acquirer credit card market share
-Credit card merchant service charges
-Merchant acquirer debit card market share
-Debit card merchant service charges
-Credit card issuer/issuing processor relationships
-Credit card acquirer/acquiring processor relationships
-Credit card issuing processor market shares by card numbers
-Credit card acquiring processor market shares by the number of POS transactions

Appendix IX: Online acquirers

  • Online merchant acquirer market share


Verisk financial reports include detailed market and competitor intelligence on payments cards, e-money, acquiring, retail banking, and consumer credit in Europe. Analysts use primary and secondary source data and conduct in-depth interviews with senior industry executives and finance experts.

See more European country reports or explore cards & payments research reports for 72 markets worldwide.

To find out more or to discuss subscription options, please email: research_enquiries@verisk.com or telephone: +44(0)20 7337 4200.