Posts Tagged “Carte Bleue”

Paymill now supports Carte Bleue in France

PARIS | Paymill, the innovative payment service provider, integrated Carte Bleue into its payment solution. By this, merchants can now offer their customers the most commonly used card payment method in France. Next to Carte Bleue, Paymill also supports Visa, MasterCard, Visa Debit and Maestro cards and there are more card payment options to be integrated very soon.

Carte Bleue

Carte Bleue is a major debit card payment system operating in France. Unlike Visa Electron or Maestro debit cards, Carte Bleue allows transactions without requiring authorization from the cardholder's bank. In many situations, the card works like a credit card but without fees for the cardholder. The system has now been integrated into a wider scheme called CB or carte bancaire ("banking card"). All Carte Bleue cards are part of CB, but not all CB cards are Carte Bleue. The system is national, and pure Carte Bleue cards do not operate outside France. However, it is possible and commonplace to get Carte Bleue Visa card that operates outside France. Carte Bleue is, technically speaking, the local affiliate of Visa (all Visa cards in France are also Carte Bleue). Today, most cards can also double with the electronic cash system Moneo. Carte Bleue started in 1967, associating six French banks: BNP, CCF, Crédit du Nord, CIC, Crédit Lyonnais, and Société Générale. Combined Visa cards have existed since 1973 under the name Carte Bleue Internationale, changing to Carte Bleue Visa in 1976. From 1992 on, all Cartes Bleues / CB have been smart cards. When using a Carte Bleue at a French merchant, the PIN of the card must be used, and a microchip on the card verifies and authenticates the transaction. Only some very limited transactions, such as motorway tolls or parking fees, are paid without PIN. Since automatic teller machines also check for the PIN, this measure strongly reduces the incentive to steal Cartes Bleues, since the cards are essentially useless without the PIN (though one may try using the card number for mail-order or e-retailing). Foreign cards without microchips can still be used at French merchants if they accept them, with the usual procedure of swiping the magnetic stripe and signing the receipt.  


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