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France

Top e-commerce industries
22.3%
Electronics
17.1%
Hobby & Leisure
19.6%
Fashion
Furniture & Homeware
Care Products
DIY
Grocery
Paris
Capital
68.4M
Population
+1
Time Zone (GMT)
EUR (€)
Currency
Euro
USD 120.9B
Transactions
value in 2028
7.5%
CAGR
of Digital Payments
during 2025-2028
during 2025-2028
Popularity of e-commerce payment methods
Extend your reach

Pay by Bank in France is an emerging payment method that leverages direct account-to-account transfers, providing a secure, instant, and cost-effective alternative to traditional card payments. While 28% of consumers are already familiar with the service, this signals early-stage adoption with high growth potential as the country advances its open banking infrastructure. Recent regulations under PSD2 have laid the groundwork for wider adoption, ensuring enhanced security and interoperability.
Method
Pay by Bank (FR)
Pay by Bank (FR)
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full refunds only
Type
Bank Transfer
Local Card Scheme
Users
19M
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
EUR
Authorization
speed
speed
Instant
Recurring
No
No