In order to accept credit card payments, retailers first need to have a contract signed with a bank that offers this kind of service. The bank will provide the retailer with an EFT device capable of processing credit card payments, along with a contract and general terms defining their relationship.
Rules in France for offering payment by credit card
Public
France
Author: Kristina Dosen
Category:
Fiscal subject related
General information
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1260
Content accuracy validation date:
09.03.2023
Content accuracy validation time:
08:14h
Accepting credit card payments can be a convenient way for businesses to expand their customer base and simplify transactions. However, there are a few things to keep in mind to ensure a smooth process for both the business and the customer.
Firstly, it is important to establish any limitations or restrictions on credit card payments. Businesses have the option to set a minimum amount for credit card payments, refuse certain types of credit cards, or request identification from the customer. However, these limitations must be clearly communicated to customers before any transactions take place. This can be done through signs at the store entrance or checkout, as well as through other visible means.
Additionally, there are specific procedures that businesses must follow when processing certain types of credit card payments:
- Payment with a foreign card not equipped with an electronic chip involves having the ticket issued by the EFT signed by the customer and verifying the consistency of the signature on the bank card.
- Payments above a certain threshold, established in your contract, must also be signed by your customer on the ticket. This ceiling is generally set at around €1,500.
It is important to note that if you plan on offering credit card payments for your online store, in situations where the customer is not present in person, you must sign a separate contract with the bank for electronic distance sales.
The costs incurred around this process center around the hardware and the operating costs associated with it, in particular the chosen subscription offered by the bank. There are also communication costs, payment-related commissions, and card acceptance fees.
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