🇫🇷 France Local Acquiring

Integrate to Carte Bancaire, 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.
PPRO is operating Cartes Bancaires, Visa and Mastercard in France through a payment orchestration model with a partner acquirer. With PPRO’s global API you will have access to all payment functionalities in France, including settlement and reconciliation reports, and the funds will be settled directly by our partner acquirer.

Payment Method Properties


Markets	`FR`
Brands	`CB`,`MASTER`, `VISA`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Settlement currencies	`EUR`
Minimum payment amount	0.00 EUR
Maximum payment amount	Varies by card issuer
Recurring payments	Yes
Separate captures	Yes
Instalments	No
Zero value authorizations	Yes
Refund	Full - Partial - Multiple Partial
Refund validity	2 years
Authorization reversal	Yes
Authorization validity	7 days
EMV 3-D Secure	Yes
Chargeback	Yes
Sandbox Availability	PPRO provided

Authentication method

EXTERNAL_3DS

Before initiating a payment charge with PPRO, redirect the consumer to your external 3DS provider.

After the consumer is authenticated via 3DS, initiate the payment charge informing the 3DS result in the authenticationSettings object:

"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"
        }
      }
    }
  ],

One-time Payment

1. Create a payment charge

In your /v1/payment-charges request, include:

paymentMethod: CARD

instrument.type: RAW_CARD

authenticationSettings.type: EXTERNAL_3DS

Request:

{
    "paymentMethod": "CARD",
    "merchantPaymentChargeReference": "{{$guid}}",
    "paymentDescriptor": "French Card Payment Charge",
    "autoCapture": true,
    "amount": {
        "value": 1000,
        "currency": "EUR"
    },
    "instrument": {
        "type": "RAW_CARD",
        "details": {
            "brand": "CB",
            "holderName": "John Smith",
            "expiryMonth": 5,
            "expiryYear": 2025,
            "number": "4066559930861909",
            "cvv": "123"
        }
    },
    "authenticationSettings": [
        {
            "type": "EXTERNAL_3DS",
            "settings": {
                "authenticationStatus": "SUCCESS",
                "authenticationStatusReason": "CARD_AUTHENTICATION_FAILED",
                "authenticationValue": "+kAr/o8S0DxgGYkz7QQHZCw8V5k=",
                "authenticationAlgorithm": "",
                "authenticationMode": "SCA",
                "eci": "5",
                "version": "2.2.0",
                "externalId": "4dc406b0-038d-43ef-a96c-c85352c5e2c0",
                "externalAcsId": "4dc406b0-038d-43ef-a96c-c85352c5e2c0",
                "score": "25",
                "outOfScope": {
                    "reason": "MIT"
                },
                "challenge": {
                    "preference": "CHALLENGE_REQUESTED",
                    "outcome": "CHALLENGE",
                    "exemptionReason": "LOW_RISK",
                    "cancellationReason": "CARDHOLDER_CANCELLED"
                }
            }
        }
    ],
    "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"
        }
    }
}

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"
        }
    }
}

2. Handle the response

A successful payment charge status will be in CAPTURE_PENDING or CAPTURED depending if autoCapture was applied or not. If required, Capture the payment charge.