Integrate Cartes Bancaires, Visa and Mastercard in France and have access to a consumer base of over 68 million consumers. Cartes Bancaires (CB) is responsible for more than 65% of everyday purchases in France with more than 77 million cards in circulation and processed over 2 billion online payments in 2024. 95% of the CB cards are co-badge cards issued in conjunction with Visa or Mastercard. Learn more about Cartes Bancaires.

Payment method properties


Markets (consumer)	`FR`
Brands	`CB` `MASTER` `VISA`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Minimum payment amount	0.00 EUR
Maximum payment amount	Varies by card issuer
Payment instrument	`CARD_PPRO_VAULTED`
Network tokens	No
Recurring payments	Yes
Separate captures	Yes
Installments	No
Validation	Yes
Refund	Full - Partial - Multiple
Refund validity	2 years
Authorization reversal	Yes
Authorization validity	7 days
EMV 3-D Secure	Yes
Disputes	Yes
Settlement risk	No

Make a card payment

Redirect the consumer to your external 3DS provider before initiating a payment charge with PPRO.

Once the consumer is authenticated, create the payment charge and include the 3DS result in the authenticationSettings object.

EXTERNAL_3DS

"authenticationSettings": [
    {
      "type": "EXTERNAL_3DS",
      "settings": {
        "authenticationStatus": "SUCCESS",
        "authenticationValue": "+kAr/o8S0DxgGYkz7QQHZCw8V5k=",
        "eci": "5",
        "version": "2.2.0",
        "externalId": "4dc406b0-038d-43ef-a96c-c85352c5e2c0",
        "challenge": {
          "preference": "NO_PREFERENCE",
          "outcome": "CHALLENGE"
        }
      }
    }
  ],

To create a one-time card payment, you'll need to provide the following data at minimum when calling our payment charges API:

Data Field	Description
paymentMethod	`CARD`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`EUR`
consumer.name	Full name of the consumer.
consumer.country	The country where the consumer is shopping.
consumer.email	The email of the consumer.
consumer.client.ip	The IP of the consumers browser or HTTP client.
instrument.type	`RAW_CARD`
instrument.details.brand	`CB` `MASTER` `VISA` The `brand` field is optional. Only use the values listed above. If the card brand is not included in this list, omit the field.
instrument.details.number	The primary account number (PAN) of the card used for payment.
instrument.details.cvv	Card verification value (CVV) A security code used to verify that the card is in the consumer's possession and to authenticate the card during authorization.
instrument.details.holderName	The full name of the cardholder as it appears on the card.
instrument.details.expiryMonth	The one to two-digit expiration month of the card.
instrument.details.expiryYear	The four-digit expiration year of the card.
authenticationSettings: EXTERNAL_3DS	View the API reference for detailed specifications.

Request

POST /v1/payment-charges

{
  "paymentMethod": "CARD",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "FR",
    "name": "John Smith",
    "email": "[email protected]",
    "client": {
      "ip": "227.149.145.184"
    }
  },
  "instrument": {
    "type": "RAW_CARD",
    "details": {
      "brand": "CB",
      "number": "4066559930861909",
      "cvv": "123",
      "holderName": "John Smith",
      "expiryMonth": 2,
      "expiryYear": 2030
    }
  },
  "authenticationSettings": [
    {
      "type": "EXTERNAL_3DS",
      "settings": {
        "authenticationStatus": "SUCCESS",
        "authenticationValue": "+kAr/o8S0DxgGYkz7QQHZCw8V5k=",
        "eci": "5",
        "version": "2.2.0",
        "externalId": "4dc406b0-038d-43ef-a96c-c85352c5e2c0",
        "challenge": {
          "preference": "NO_PREFERENCE",
          "outcome": "CHALLENGE"
        }
      }
    }
  ]
}

Response:

{
    "id": "charge_Pg5UR2IvYalJQaIB8ztoP",
    "paymentMethod": "CARD",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_PEYyBji5Ge15hxQ2sWW1N",
    "instrumentUpdated": false,
    "currency": "EUR",
    "country": "BR",
    "paymentDescriptor": "French Card Payment Charge",
    "networkTransactionIdentifier": "67f4215512d46",
    "status": "CAPTURED",
    "consumer": {
        "name": "John Doe",
        "email": "[email protected]",
        "country": "BR",
        "client": {
            "ip": "227.149.145.184"
        },
        "taxIdentification": "39112171883",
        "billingAddress": {
            "firstName": "John",
            "lastName": "Doe",
            "street": "123 abc st",
            "postalCode": "75001",
            "city": "Rennes",
            "region": "Bretagne",
            "country": "FR"
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "LS123456789",
                "category": "bicycle",
                "name": "White T-Shirt",
                "quantity": 1,
                "amount": 1000
            }
        ],
        "shippingAddress": {
            "firstName": "Naldo",
            "lastName": "Ro",
            "phoneNumber": "01522113356",
            "street": "Rua Itaquera, 123",
            "postalCode": "41460",
            "city": "Sao Paulo",
            "region": "Sao Paulo",
            "country": "BR"
        },
        "industryData": []
    },
    "authorizations": [
        {
            "id": "authz_NZW4yODxwIP3Rx4qdDqtW",
            "amount": 1000,
            "status": "AUTHORIZED",
            "merchantPaymentChargeReference": "820ffbc4-c8ef-4015-9822-cbf80ea3ddb4",
            "createdAt": "2025-04-07T19:02:46.355Z",
            "updatedAt": "2025-04-07T19:02:46.355Z"
        }
    ],
    "captures": [
        {
            "id": "capture_dSetBUSFscpmIQsJv5egC",
            "amount": 1000,
            "status": "CAPTURED",
            "merchantCaptureReference": "820ffbc4-c8ef-4015-9822-cbf80ea3ddb4",
            "createdAt": "2025-04-07T19:02:46.355Z",
            "updatedAt": "2025-04-07T19:02:46.355Z"
        }
    ],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-04-07T19:02:43.765Z",
    "updatedAt": "2025-04-07T19:02:46.355Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_Pg5UR2IvYalJQaIB8ztoP/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_Pg5UR2IvYalJQaIB8ztoP/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_Pg5UR2IvYalJQaIB8ztoP/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_Pg5UR2IvYalJQaIB8ztoP/voids"
        }
    }
}

Handling the response

Once the payment has been successfully AUTHORIZED you can present the payment outcome to the consumer.
The payment charge status will be in CAPTURE_PENDING or CAPTURED depending if autoCapture was applied or not. If required, Capture the payment charge.