Top 12 Payment Gateways in France that your Business Need to Know

A robust payment gateway can unlock the true potential of your online business. Elevate the checkout experience, curb cart abandonment, and unleash a surge in sales by streamlining the vital link at the heart of every transaction.

Elevate your checkout experience and boost sales in the French market with a superior payment gateway that minimizes cart abandonments. Join us on this journey to explore the world of simplified transactions and skyrocketing business expansion in France.

Below, we've listed some of France's most reliable payment gateways and the factors to consider before choosing one. This way, you can compare the available options better and make an informed decision.

Payment Solution Landscape in France

The Payment Market in France is constantly growing and is expected to grow further at a CAGR of 14.17 during 2022-2027. Thanks to the increasing digitalization, internet access, popularity of smartphones, and government programs encouraging customers to use contactless payments. 

In addition, the government is encouraging merchants to support contactless payments at every payment terminal and accept card payments for amounts as little as 1 GBP. Moreover, commercial banks and payment service providers are reducing reliance on cash and are promoting cashless payments. 

As this shift towards online/contactless payment continues, merchants should see this as an opportunity. They should integrate the best payment gateways and offer customers plenty of payment methods to choose from. This will help target a wider audience and defy competition.

Criteria to Look out for Payment Gateways in France

Keeping these factors in mind when looking for payment gateways in France can help you make an informed decision:

1. Security

   The first thing to look for in a payment gateway is security. Your payment gateway must comply with all the latest security standards, such as PCI DSS. This will help you ensure the safety of your customers and your business.

   In addition, your payment gateway must have an anti-fraud system that identifies and reports any potentially fraudulent transactions. Moreover, a customer support team dedicated to solving such queries will be the cherry on top.

2. Supported Currencies

   If you're operating within France, the only currency you need your payment gateway to support is Euro.

   But why stop there? Embrace a plethora of currencies to skyrocket your expansion across diverse regions. After all, in today's global economy, versatility is the key to unlocking limitless possibilities while avoiding the hassles and expenses of multiple payment gateway integration.

3. Payment Options

   Customers often abandon carts if they don't see their favorite or local payment method during checkout. Therefore, ensure your payment gateway has all the local and global payment methods your customers might prefer. This way, you can reduce the cart abandonment rate and improve conversions and, thus, your revenue.

4. Market Integrations

   You must use certain accounting, eCommerce, employee management, and other tools that need to sync with your payment gateway. However, every payment gateway may not offer integrations with the existing tools that you're using. And this can lead to communication gaps and productivity losses as you may have to change your tech stack.

   So, to avoid unnecessary hassle, make sure your payment gateway integrates smoothly with the existing tools or platforms you're using.

5. Pricing and Other Fees

   Explore the dynamic world of payment gateway costs, where each provider offers a unique blend of transaction fees, monthly charges, and setup fees. Engage in open conversations to unveil hidden costs and secure a tailor-made solution, ensuring you only pay for what's necessary. Tread this fascinating landscape with ease and find the perfect fit for your business.

6. Reliability

   Once you're done considering the above factors, it's time to analyze the platform's reliability. Your payment gateway should have a good reputation in the market. You can ensure this by checking out the customer reviews and talking to previous customers.

   Also, your payment gateway should have high authorization rates and a 24/7 uptime for all its services. This will help you ensure that all the transactions go through at all times of the day. In addition, customer support should be a call or message away if things go south.

Best payment Gateways in France

1. Stripe

Stripe is one of the most well-known and reliable payment platforms for merchants who want to sell in France and globally. It follows the best security guidelines, has an anti-fraud system in place offers a seamless checkout experience. Here are some highlights about Stripe:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: 1.5% + €0.25 for standard European cards and 2.5% + €0.25 for UK cards. 

Accepted Payment Methods:

• Credit/Debit Cards: Supports all major credit and debit card brands.
• Other methods: Supports alternative payment methods such as wallets, bank redirects, buy now, pay later, and more.

Supported Currencies: It supports over 135 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• NetSuite
• Shopify
• WooCommerce

2. Rapyd

Rapyd is a reliable payment gateway that meets the payment needs of businesses in multiple industries, such as online learning, trading, online gaming, marketplaces, e-commerce, and more. If you're a business looking to expand your operations in France and across the globe, Rapyd is for you. Here are the key highlights of this gateway: 

Pricing and Other Fees:

• Setup Fee: None
  
• Monthly or annual Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: 2.9% + €.30 for non-European cards and 1.2% + €.25 for European cards.

Accepted Payment Methods:

• Credit/Debit Cards: Major cards such as JCB, Mastercard, Discover, Diners Club, and Visa are supported.
• Other methods: Supports APMs such as Google Pay, Apple Pay, PayPal, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify
• Wix
• Magento
• WooCommerce
  
  

3. Adyen

Adyen is not just a payment gateway but a complete end-to-end payments management platform that helps you accept and manage customer payments. You can accept online and offline payments with Adyen, as it supports payments across different channels. Here are some key highlights:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: Information Available on request
  
• Monthly Fee: None
• Charges on Refunds: depends on the payment method used.
• The commission per transaction: €0.10 per transaction + payment method fee. 

Accepted Payment Methods:

• Credit/Debit Cards: Major debit and credit card brands such as VISA, Diners Club, MasterCard, and Maestro are supported along with Cartes Bancaires: a local card program in France.
• Other methods: Other methods include PayPal and Meal vouchers.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms, including:

• Microsoft 365
• Vue Storefront   
• Big Commerce
• WooCommerce
  
  

4. Revolut

If you want to customize your checkout experience and improve sales in France, you can rely on Revolut. Revolut is a complete payments solution that you can easily integrate into your website and start accepting payments from customers in France and globally. Here are some key highlights: 

Pricing and Other Fees:

• Setup Fee: None
• Charges on Refunds: None
• Monthly Fee: None
• The commission per transaction: 1% + £0.20 for UK consumer cards and 2.8% + £0.20 international and commercial cards

Accepted Payment Methods:

• Credit/Debit Cards: Major cards such as JCB, Mastercard, Diners Club, Discover, and Visa are supported.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify
• PrestaShop
• OpenCart
• WooCommerce
  
  

5. MONEI

MONEI is an ideal payment gateway for businesses that want to sell in France. It comes with various payment methods, supports easy integrations, and is pretty affordable. Also, MONEI complies with the best security regulations and ensures safe payments. Here are some highlights about MONEI:

Pricing and Other Fees:

• Setup Fee: Free
  
• Daily Fee: €0.10 
• Charges on Refunds: €17.00 Per Chargeback
• The commission per transaction: smallest plan charges 0.15% to 1.19% + €0.24 per transaction

Accepted Payment Methods:

• Credit/Debit Cards: Major cards such as JCB, Mastercard, Diners Club, Discover, and Visa are supported.   

• Other methods: Supports numerous alternative payment methods such as Apple Pay, Google Pay, PayPal, giroPay, iDEAL, SOFORT, Klarna, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify 
• Magento
• Commerce tools
• Spreedly
• Wix

• Magento

6. 2Checkout

2Checkout is an amazing payment platform for businesses in France and across the globe. It can help you offer a localized checkout experience to your customers via local payment methods and customizable checkouts, thus boosting sales conversions. Here are some highlights about 2Checkout: 

Pricing and Other Fees:

• Setup
• Fee: Free
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: None
• The commission per transaction: 3.5% + $0.35 for every transaction (sales)

Accepted Payment Methods:

• Credit/Debit Cards: All popular credit and debit card brands, such as Discover, JCB, American Express, Visa, Diners Club, PO, MasterCard, and Skrill, are supported.
• Other methods: Skrill and PayPal

Supported Currencies: It supports +100 currencies.

Approvals and Onboarding Time: None.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify
• Drupal
• BigCommerce
• WooCommerce
  

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7. Checkout

Checkout is popular full-stack payments solution for businesses in France that can help you seamlessly accept payments from your customers. It comes with numerous payment methods that you can add later if you plan to expand into newer geographies. Here are some highlights about checkout:

Pricing and Other Fees:

• Setup Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: Information Available on request
  

Accepted Payment Methods:

• Credit/Debit Cards: All major cards from Discover, JCB, Visa, Diners Club, American Express, etc., are supported. 
• Other methods: Alternative payment methods such as Alipay, Apple, Pay, and PayPal are supported.

Supported Currencies: It supports more than 150 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including: 

• WooCommerce
• Shopify 
• SAP Commerce Cloud
• Salesforce Commerce Cloud
  
  

8. Authorize.net

Authorize.net is a payment gateway that allows you to accept payments from anywhere in the world, including France. Credit cards, contactless payments, checks, or on-the-go payments are possible with Authorize.net. Also, this payment gateway is secure and easy to integrate. Here are some key highlights:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Monthly fee: $25
• Charges on Refunds: Information Available on request
  
• The commission per transaction: 2.9% + 30¢
  
  

Accepted Payment Methods: 

• Credit/Debit Cards: It supports all major card brands such as MasterCard, Visa, Discover, American Express, etc. 

• Other methods: Alternative payment methods include Apple Pay, PayPal, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including:

• Magento
• WooCommerce
• BigCommerce
  
  

9. Skrill

Whether you're in the gaming, trading, online gaming, or betting industry, you can rely on Skrill to accept and manage your payments. It has a simple user interface and offers different market integration options making it more useful. Also, Skrill supports a range of payment methods and provides a seamless checkout experience. Here are some key highlights of Skrill: 

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: is 1.25 % for global cards.

Accepted Payment Methods: 

• Credit/Debit Cards: All major debit/credit cards, such as MasterCard, Discover, Visa, American Express, etc., are accepted.

• Other methods: Several alternative payment methods, such as Trustly, Paysafecard, and more, are accepted. 

Supported Currencies: It supports over 40 currencies.

Approvals and Onboarding Time: None.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including:

• BigCommerce
• Wix
• WooCommerce
• Magento
  
  

10. Cybersource

Cybersource is a complete payment platform for businesses expanding in France. It can help you accept payments and deliver a local experience to a global audience. Customers can choose from whatever payment methods they like and pay via a seamless checkout process. Here are some features it offers:

Pricing and Other Fees:

• Setup Fee: Free
• Annual Fee: Free
  
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: Information Available on request
  

Accepted Payment Methods:

• Credit/Debit Cards: Cards from Discover, JCB, American Express, Visa, Diners Club, MasterCard, and Cartes Bancaire (domestic card service in France) are supported. 

• Other methods: Other methods include BNPL, Apple Pay, Samsung Pay, Sofort (online bank transfer in France), etc.

Supported Currencies: It supports all major currencies, including Euro, GBP, HKD, NZD, AUD, and more.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including: 

• Salesforce Commerce Cloud

• SAP Commerce Cloud
  

11. Vapulus

Vapulus is a simple yet effective platform that makes online payments simple. You can accept online or in-person payments globally through any device using Vapulus. Also, it's PCI DSS certified, because of which the authorization rate is amazing, meaning more successful transactions. Here are some key highlights of Vapulus.

Pricing and Other Fees:

• Setup Fee: None 
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• The commission per transaction: No processing fee for global transactions using Visa or MasterCard.

Accepted Payment Methods:

• Credit/Debit Cards: Major card brands such as Mastercard and Visa are supported.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms.

12. SecurionPay

SecurionPay is a Switzerland-based payment gateway that onboards merchants from across the globe, including France. It's secure and surprisingly easy to integrate. Here are some key highlights of SecurionPay:

Pricing and Other Fees:

• Setup Fee: None 
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  

• The commission per transaction:
  2.95% + €0.25 per transaction (successful) for regular merchants
  4.9% + €0.35 per transaction (successful) for High-risk merchants

Accepted Payment Methods:

• Credit/Debit Cards: Major card brands are supported.

Supported Currencies: It supports over 160 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms.

Local Payment Gateways and the Rising Complexities for the Businesses

You can now choose the best payment gateway and accept payments in France. 

But what if you want to expand your business to other countries? What if your payment gateway starts charging a massive transaction fee or simply fails to process transactions? 

While integrating multiple payment gateways might sound like a solution to this problem, it's not viable, both logistically and financially. So, what should you do? Well, you can opt for a payment aggregator like inai.

Let's learn how inai can help!

How can inai Help you Integrate Multiple Payment Gateway Integrations in France?

inai is a global payment aggregator solution poised to transform your business transactions. Effortlessly manage 30+ payment gateways through a unified dashboard and captivate customers with over 300 diverse payment methods. Stay ahead of the game with inai.

Further, inai completely removes your dependency on a single payment gateway via payment routing. For instance, if a payment gateway hikes the transaction fee out of the blue or fails to process transactions, using inai's payment routing feature, you can route the transaction via a different payment gateway you find suitable. This way, you don't have to depend on a single payment gateway and can ensure a seamless flow of payments.

Book a free trial to learn more about inai and how we can help you globalize your business.