Coverage
🇫🇷 Payments in France
Every payment method and gateway Orchestrapay has integrated for France.
Sources: Banque de France, ACPR and provider disclosures, 2024–2025.
How France pays
France pays by card, but with a national twist: most French cards run on Cartes Bancaires (CB), the domestic scheme that is co-badged with Visa or Mastercard. Merchants and acquirers can route domestic transactions over CB — often at lower cost — while the same card still works internationally. Add SEPA transfers and direct debits for recurring and higher-value flows, plus PayPal and the express wallets online.
The wallet to watch is Wero, the bank-backed European initiative that absorbed Paylib's tens of millions of French users and is rolling out e-commerce acceptance from 2026. For an enterprise merchant, the value is optimization: CB-aware routing to cut domestic cost, frictionless 3DS under PSD2 strong customer authentication, and retries across acquirers to protect approvals — all behind one integration, in euros, with French-language checkout and ACPR-aligned compliance handled for you.
Why merchants run on us here
CB-aware routing
Route domestic transactions over Cartes Bancaires to cut cost, while the co-badged Visa/Mastercard still works everywhere.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed — protecting both compliance and conversion.
SEPA and the rise of Wero
SEPA transfers and direct debits today, with the bank-backed Wero wallet tracked as e-commerce acceptance arrives.
One integration, euro settlement
Cards, wallets and PayPal behind one integration, in euros, with French-language checkout and ACPR-aligned compliance.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPay
Cartes BancairesDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
PayPal
StripeStripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Airwallex
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalPayPal CommerceBuilt for enterprise
Everything it takes to run payments in France
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat France like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in France through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in France?
Talk to our payments team about going live in France — coverage, local acquiring, settlement and timelines for your business.