{"id":528131,"date":"2026-04-20T15:00:00","date_gmt":"2026-04-20T19:00:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=528131"},"modified":"2026-04-20T14:31:55","modified_gmt":"2026-04-20T18:31:55","slug":"frances-cb-payments-redoubles-efforts-to-vie-with-visa-and-mastercard","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/frances-cb-payments-redoubles-efforts-to-vie-with-visa-and-mastercard\/","title":{"rendered":"France\u2019s CB Payments Redoubles Efforts to Vie with Visa and Mastercard"},"content":{"rendered":"\n<p>As more regions prioritize payments sovereignty, France\u2019s Cartes Bancaires (CB) network is working to reclaim some of the market share it has lost to Visa and Mastercard.<\/p>\n\n\n\n<p>The nonprofit network was created in the 1980s as a joint venture among France\u2019s leading banks. However, CB has seen its domestic market share decline from over 90% to roughly three-quarters of card payments. This shift is partly due to the reliability and global reach of Visa and Mastercard\u2019s networks, and partly due to the rise of digital-first financial players.<\/p>\n\n\n\n<p>CB head Philippe Laulanie recently <a href=\"https:\/\/www.ft.com\/content\/dfc4dd67-01ff-436e-bd8e-229f9fe77d6c?syn-25a6b1a6=1\" target=\"_blank\" rel=\"noreferrer noopener\">told the Financial Times<\/a> that the network\u2019s position has stabilized and interest in CB is growing again. Not only does the payments network hope to regain traction in France, but it also hopes to play a leading role in the broader push for greater payments independence in Europe.<\/p>\n\n\n\n<p>\u201cCartes Bancaires is the French bank network much like an Interlink or Maestro here in the U.S.,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/don-apgar-0\">Don Apgar<\/a>, Director of Merchant Payments at Javelin Strategy &amp; Research. \u201cMost of their cards are co-branded, meaning they can run over Visa and Mastercard rails or on the CB bank rails\u2014again, just like in the US. &nbsp;However, the market share for CB has been shrinking as new fintechs like Revolut and others have driven towards exclusive deals and single-network architecture.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-challengers-and-competitors\">Challengers and Competitors<\/h2>\n\n\n\n<p>UK-based Revolut has experienced meteoric growth, becoming a global fintech phenomenon. The company has set <a href=\"https:\/\/www.revolut.com\/en-PL\/news\/revolut_unveils_global_hq_setting_out_global_vision_and_ambitious_timeline_for_100_million_customers\/\" target=\"_blank\" rel=\"noreferrer noopener\">ambitious goals, including <\/a>reaching 100 million customers by 2027 and expanding into 30 new markets by 2030. Revolut recently announced plans to establish a Western Europe headquarters in Paris and signaled that it will apply for a banking license.<\/p>\n\n\n\n<p>Alongside fintech challenger like Revolut, CB also faces competition from emerging payment rails like digital assets\u2014including euro-backed stablecoins and <a href=\"https:\/\/www.paymentsjournal.com\/digital-euro-enters-pilot-phase-with-questions-around-its-viability\/\">potentially the digital euro<\/a>\u2014the bank-backed Wero digital wallet, and prospective Europe-wide real-time payment systems.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-an-off-the-shelf-alternative\">An Off-the Shelf Alternative<\/h2>\n\n\n\n<p>Many of these newer rails have gained favor because the EU is increasingly searching for ways <a href=\"https:\/\/www.paymentsjournal.com\/the-eu-seeks-to-break-its-dependence-on-visa-mastercard-rails\/\">to reduce reliance on <\/a>foreign payment systems. U.S.-based infrastructure, led by Visa and Mastercard, currently processes over 60% of card transactions in Europe.<\/p>\n\n\n\n<p>Given recent geopolitical tensions and ongoing uncertainty, EU leaders have called for changes to the region\u2019s payments infrastructure. This could potentially create an opportunity for CB.<\/p>\n\n\n\n<p>\u201cThe political climate is now flashing a yellow light about over-dependency on US-based Visa and Mastercard, with the EU central bank pushing to bring a new network online by 2030,\u201d Apgar said. \u201cCB is already built and operating and could be extended in other EU countries as an off-the-shelf alternative to Visa and Mastercard.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As more regions prioritize payments sovereignty, France\u2019s Cartes Bancaires (CB) network is working to reclaim some of the market share it has lost to Visa and Mastercard. The nonprofit network was created in the 1980s as a joint venture among France\u2019s leading banks. However, CB has seen its domestic market share decline from over 90% [&hellip;]<\/p>\n","protected":false},"author":8464,"featured_media":528132,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1261"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259,64830,1261],"tags":[65970,65969,65250,723,161,1211,791,160],"class_list":["post-528131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","category-credit-cards","category-merchant","tag-cartes-bancaires","tag-cb-payments","tag-eu","tag-france","tag-mastercard","tag-merchant","tag-revolut","tag-visa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>France\u2019s CB Payments&#039; Efforts to Vie with Visa and Mastercard<\/title>\n<meta name=\"description\" content=\"Explore France&#039;s CB payments as it aims to reclaim market 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