{"id":251466,"date":"2024-04-02T15:35:40","date_gmt":"2024-04-02T13:35:40","guid":{"rendered":"https:\/\/www.ecomstream.eu\/betaalmethoden\/cartes-bancaires\/"},"modified":"2026-06-17T14:46:10","modified_gmt":"2026-06-17T12:46:10","slug":"cartes-bancaires","status":"publish","type":"page","link":"https:\/\/www.ecomstream.eu\/nl\/betaalmethoden\/cartes-bancaires\/","title":{"rendered":"Cartes Bancaires"},"content":{"rendered":"

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Cartes Bancaires<\/strong><\/h1>\n

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Cartes Bancaires (CB) is het nationale kaartscheme van Frankrijk, beheerd door het GIE Cartes Bancaires-consortium en gedragen door vrijwel alle Franse banken. Met meer dan 80 miljoen kaarten in omloop is het het dominante betaalinstrument in Frankrijk, voor debet-, credit- en prepaidkaarten uitgegeven door Franse financi\u00eble instellingen. Vrijwel elke kaart die in Frankrijk wordt uitgegeven, heeft zowel het CB-logo als een co-badge van Visa of Mastercard, waardoor de transactie via beide netwerken kan worden gerouteerd. <\/p>\n

Die co-badging-regeling heeft directe commerci\u00eble gevolgen voor merchants. Wanneer een Franse consument een CB-badge kaart presenteert, kan de PSP of acquirer de transactie via het CB-netwerk of via Visa of Mastercard routeren. CB interchange-tarieven liggen doorgaans lager dan de Visa- of Mastercard-tarieven voor binnenlandse Franse transacties. Routering via CB waar mogelijk verlaagt dus de kosten per transactie voor de merchant. Niet alle PSP’s optimaliseren hier standaard op, en sommigen routeren uitsluitend via de internationale netwerken, ongeacht de CB-geschiktheid van de kaart. Voor merchants met substantieel Frans kaartvolume is het controleren van hoe je PSP omgaat met CB-routering een eenvoudige maar vaak over het hoofd geziene kostenoptimalisatie. <\/p>\n

Voor online transacties ondersteunt CB 3DS-authenticatie conform de PSD2 SCA-vereisten. Het scheme ondersteunt ook contactloos betalen, mobiele wallets waaronder Apple Pay met CB, en terugkerende betaalstromen. <\/p>\n

PSP-ondersteuning voor Cartes Bancaires is breed onder de grote aanbieders die in Europa actief zijn, waaronder Adyen, Stripe en Worldline. De kwaliteit van CB-specifieke routeringsoptimalisatie verschilt echter aanzienlijk per aanbieder. Als Frankrijk een relevante markt is en je werkt met interchange-plus-pricing, is de CB-routeringsvraag het waard om expliciet bij je PSP neer te leggen. <\/p>\n

Relevante markt: Frankrijk<\/p>\n

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[\/et_pb_text][et_pb_button button_url=”<!–[CDATA[https:\/\/www.ecomstream.eu\/payment-methods]]–>” button_text=”Check een andere betaalmethode” button_alignment=”right” _builder_version=”4.24.2″ custom_button=”on” button_text_size=”22″ button_text_color=”#ffffff” button_bg_color=”#60e52b” button_border_width=”1″ button_border_radius=”1″ button_font=”||||||||” button_icon=”p||divi||400″ button_icon_placement=”left” custom_margin=”0px||||false|false” custom_margin_tablet=”” custom_margin_phone=”150px||||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”|||” animation_style=”zoom” box_shadow_style=”preset3″ box_shadow_vertical=”28px” box_shadow_blur=”22px” box_shadow_spread=”-5px” button_border_radius_hover=”4″ saved_tabs=”all” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on” button_border_radius__hover=”4″ button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]<\/p>\n

[\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Popup – #my-popup7″ module_id=”my-popup7″ module_class=”popup single” _builder_version=”4.16″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_contact_form use_spam_service=”on” recaptcha_list=”EcomStream|EcomStream-0″ email=”ramon@ecomstream.nl” title=”Verwerk je Frans kaartvolume? Laten we checken of je PSP CB-transacties correct routeert. ” success_message=”Bedankt. Er wordt binnen 48 uur contact met je opgenomen. Nog een fijne dag! ” _builder_version=”4.27.6″ _module_preset=”default” _unique_id=”2b080173-4599-477f-994c-cf46478d77ad” title_text_align=”center” title_line_height=”1.5em” global_colors_info=”{}”][et_pb_contact_field field_id=”Name” field_title=”Naam” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Email” field_title=”E-mailadres” field_type=”email” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”message” field_title=”Bericht (optioneel)” required_mark=”off” fullwidth_field=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Cartes Bancaires   Cartes Bancaires (CB) is het nationale kaartscheme van Frankrijk, beheerd door het GIE Cartes Bancaires-consortium en gedragen door vrijwel alle Franse banken. Met meer dan 80 miljoen kaarten in omloop is het het dominante betaalinstrument in Frankrijk, voor debet-, credit- en prepaidkaarten uitgegeven door Franse financi\u00eble instellingen. Vrijwel elke kaart die in […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":251410,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-251466","page","type-page","status-publish","hentry"],"yoast_head":"\nCartes Bancaires uitgelegd voor merchants - EcomStream<\/title>\n<meta name=\"description\" content=\"Cartes Bancaires dekt vrijwel elke Franse kaart. 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