France Cards and Payments: Opportunities and Risks to 2029 Update

Description

List of Tables

GlobalData's 'France Cards and Payments: Opportunities and Risks to 2029 Update' report provides detailed analysis of market trends in the French cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cards, cash, credit transfer, direct debits, and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData's 'France Cards and Payments: Opportunities and Risks to 2029 Update' report provides top-level market analysis, information and insights into the French cards and payments industry, including -

Current and forecast values for each market in the French cards and payments industry, including debit, credit and charge cards.
Detailed insights into payment instruments including cards, cash, credit transfer, direct debits, and cheques. It also, includes an overview of the country's key alternative payment instruments.
Ecommerce market analysis.
Analysis of various market drivers and regulations governing the French cards and payments industry.
Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
Comprehensive analysis of consumer attitudes and buying preferences for cards.
The competitive landscape of the French cards and payments industry.

Key Highlights

The European Payments Initiative (EPI) launched a digital wallet called Wero in September 2024 in France. Wero has taken over the domestic payment solution Paylib in France which had 35 million registered users and was discontinued in early 2025. The platform is accessible through EPI-associated member bank apps and mobile apps. Users can securely verify their mobile devices and link their bank accounts in the Wero application to make payments. Currently, the platform supports P2P fund transfers that can be completed within 10 seconds using phone numbers, app-generated QR codes or email addresses. Additional features, including online and POS payments, are expected to be added by the end of 2026.
New instant payment rules are being introduced around EU region. In November 2024, the European Payments Council (EPC) published an updated version of the Single Euro Payments Area (SEPA) Instant Credit Transfer (SCT Inst) rulebook which will come into effect from October 2025. Key features include the SCT Inst scheme must be fully compliant with the provisions of the Instant Payments Regulation (IPR)-an EU Regulation that mandates SEPA instant credit transfers up to EUR100,000 ($108,181.67) within 10 seconds. This regulation requires all SEPA Payment Service Providers (PSPs) to offer instant Euro-denominated credit transfers; allowing funds to be sent and received in under 10 seconds.
Awareness and usage of contactless payment cards is high in France. To capitalize on the growing adoption, contactless payments are being introduced in transportation in France. For instance, in February 2025, the mass transit payment solution Littlepay partnered with Famco-a mobile solutions provider for business-and the solution provider Dataraxyssoftware to launch Proximi-iti; a platform designed for public transportation services in the Department of Haute-Savoie, France. The system allows passengers to pay with contactless debit and credit cards, as well as NFC-enabled digital wallets without the need for cash or traditional card payments by entering a PIN across 37 buses.

Scope

Card market size in terms of number of cards, value and volume of transactions in the France along with detailed card segmentation of debit, credit and charge cards available in the country.
Market sizing and analysis of major payment instruments including cards, cash, credit transfer, direct debits, and cheques.
Payment market trends and growth for both historical and forecast period
Competitor analysis with detailed insights into leading card issuers and schemes.
Comprehensive analysis of consumer attitudes and buying preferences for cards.
A detailed snapshot of country's key alternative payment brands.

Reasons to Buy

Make strategic business decisions, using top-level historic and forecast market data, related to the France cards and payments industry and each market within it.
Understand the key market trends and growth opportunities in the France cards and payments industry.
Assess the competitive dynamics in France cards and payments industry.
Gain insights into marketing strategies used for various card types in France.
Gain insights into key regulations governing the France cards and payments industry.

Product Code: GDFS0914CI

1. Executive Summary

2. Market Overview

3. Payment Instruments

4. Card-Based Payments

5. Card Payments Acquiring

6. Ecommerce Payments

7. In-store Payments

8. Buy Now Pay Later

9. Digital Wallet Payments

10. P2P Payments

11. Bill Payments

12. Alternative Payments

13. Payment Innovations

14. Job Analysis

15. Payment Infrastructure and Regulation

16. Appendix

Product Code: GDFS0914CI

List of Table

List of Tables

Key facts, 2025
Benchmarking of payment cards, 2024
Payment instrument transaction values (LCU), 2021-29f
Payment instrument transaction values ($), 2021-29f
Payment instrument transaction volumes (units), 2021-29f
Payment cards in circulation by type (units), 2021-29f
Volume of payment card transactions (units), 2021-29f
Value of payment card transactions (LCU), 2021-29f
Value of payment card transactions ($), 2021-29f
Debit cards in circulation (units), 2021-29f
Debit card transaction volumes, 2021-29f
Debit card transaction values (LCU), 2021-29f
Debit card transaction values ($), 2021-29f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit and charge cards in circulation (units), 2021-29f
Credit and charge card transaction volumes, 2021-29f
Credit and charge card transaction values (LCU), 2021-29f
Credit and charge card transaction values ($), 2021-29f
Credit and charge cards in circulation by scheme (units), 2021-25e
Credit and charge card transaction values by scheme (LCU), 2021-25e
Credit and charge card transaction values by scheme ($), 2021-25e
Credit and charge cards in circulation by issuer (units), 2021-25e
Credit and charge cards transaction value by issuer (LCU), 2021-25e
Credit and charge cards transaction value by issuer ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 2021-29f
Credit cards in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit cards in circulation by issuer (units), 2021-25e
Credit cards transaction value by issuer (LCU), 2021-25e
Credit cards transaction value by issuer ($), 2021-25e
Charge cards in circulation (units), 2021-29f
Charge card transaction volumes, 2021-29f
Charge card transaction values (LCU), 2021-29f
Charge card transaction values ($), 2021-29f
Charge cards in circulation by scheme (units), 2021-25e
Charge card transaction values by scheme (LCU), 2021-25e
Charge card transaction values by scheme ($), 2021-25e
Merchant acquiring transaction volumes (units), 2020-29f
Merchant acquiring transaction values (LCU), 2020-29f
Merchant acquiring transaction values ($), 2020-29f
Acquirers' transaction volumes (units), 2020-24e
Acquirers' transaction values (LCU), 2020-24e
Acquirers' transaction values ($), 2020-24e
Retail outlets and card-accepting merchants (units), 2020-29f
Debit card average interchange fees (%), 2020-24e
Credit and charge card average interchange fees (%), 2020-24e
Debit card merchant service charge and interchange fee (%), 2020-29f
Credit and charge card merchant service charge and interchange fee (%), 2020-29f
Retail market by product categories (LCU), 2021-29f
Retail market by product categories ($), 2021-28f
Retail market by service categories (LCU), 2018-22
Retail market by service categories ($), 2018-22

List of Figure

List of Figures

Inflation rate
GDP growth rate
Payment instruments transaction value and volume
Instant payments transaction value and volume
Card penetration
Card payments by value
Debit card frequency of payments and average transaction value
Debit card schemes transaction value and volume
Debit card issuers by number of cards and transaction value
Credit and charge card frequency of payments and average transaction value
Credit and charge card schemes transaction value and volume
Credit and charge card issuers by number of cards and transaction value
Credit card debt
Contactless card holding and usage in detail
Merchant acquiring of payment card transaction value and volume
Merchant acquiring of payment card transaction value and volume by company type
Retail product by catagories transaction value and year-on-year grouth
Retail services by catagories transaction value and year-on-year grouth
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Factors driving in-store payments and In-store transaction value by payment method
In-store transaction value by products and services
BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
Digital wallet transaction value and volume
Digital wallet funding methods, Digital wallet preference by product/service and Digital wallet ownership by brand
Domestic and international P2P money transfers
Paymnet tool preference for bill payment and bill paymnet frequency
Active jobs intensity in the country
Number of POS terminals and ATMs

France Cards and Payments: Opportunities and Risks to 2029 Update

Description

Table of Contents

List of Tables

Key Highlights

Scope

Reasons to Buy

Table of Contents

Table of Contents

1. Executive Summary

2. Market Overview

3. Payment Instruments

4. Card-Based Payments

5. Card Payments Acquiring

6. Ecommerce Payments

7. In-store Payments

8. Buy Now Pay Later

9. Digital Wallet Payments

10. P2P Payments

11. Bill Payments

12. Alternative Payments

13. Payment Innovations

14. Job Analysis

15. Payment Infrastructure and Regulation

16. Appendix

List of Table

List of Tables

List of Figure

List of Figures