Topic: Digital payments landscape in France

Digital payments landscape in France - statistics & facts

Digital payments in France are dominated by cards, both in POS and online shopping, due to the popularity of Cartes Bancaires. Cartes Bancaires (CB) - French for "bank cards" - is a domestic card scheme, often co-branded with Visa and Mastercard and is France's biggest card scheme. Additionally, contactless payments are used relatively regularly in this country. What digital payment characteristics and payment trends are noteworthy for France?

Forecasted number of digital payment transactions in Europe
*****bn

Credit card penetration in France
****%

Buy now, pay later market share in domestic e-commerce in France
*%

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Current statistics on this topic

Payments

Annual level of ATM cash payments in France 2014-2023

Payments

Annual number of POS terminals in France 2000-2025

Payments

Annual credit card spending in France 2014-2024, in local currency and USD

Market share

Annual level of ATM cash payments in France 2014-2023
Annual level of ATM cash payments in France 2014-2023
Share of ATM cash relative to the flow of other domestic payments at point of sale (POS) in France from 2014 to 2023
Annual currency in circulation (CIC) to GDP ratio of France 2001-2023
Annual currency in circulation (CIC) to GDP ratio of France 2001-2023
Share of currency in circulation (CIC) to the nominal GDP of France from 2001 to 2023
Most used in-store (POS) payment methods in France 2017-2025, with 2030 forecast
Most used in-store (POS) payment methods in France 2017-2025, with 2030 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in France from 2017 to 2025, with a forecast for 2030
Payments at points of sale by type in France 2025
Payments at points of sale by type in France 2025
Payments at points of sale by type in France as of June 2025
Most used e-commerce payment methods in France 2016-2025, with 2030 forecast
Most used e-commerce payment methods in France 2016-2025, with 2030 forecast
Market share of cash, credit cards, and other payment methods during online shopping in France from 2016 to 2025, with a forecast for 2030
Most common online payments by type in France 2025
Most common online payments by type in France 2025
Most common online payments by type in France as of June 2025

Penetration

Triennial credit card penetration in France 2011-2024, by demographic
Triennial credit card penetration in France 2011-2024, by demographic
Share of individuals who own a credit card in France in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
Triennial debit card penetration in France 2011-2024, by demographic
Triennial debit card penetration in France 2011-2024, by demographic
Share of individuals who own a debit card in France in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level
Quarterly adoption of mobile payments at POS in France 2018-Q1 2026
Quarterly adoption of mobile payments at POS in France 2018-Q1 2026
Mobile payments usage performed with any mobile device at POS in France from 2018 to 1st quarter of 2026
Mobile payments usage by situation in France 2024
Mobile payments usage by situation in France 2024
Mobile payments usage by situation in France in 2024
Annual crypto adoption development in France 2020-2025, by metric
Annual crypto adoption development in France 2020-2025, by metric
Crypto Adoption Index ranking of France from 2020 to 2025, by metric
Domestic and cross-border e-commerce revenue share 2026, by country
Domestic and cross-border e-commerce revenue share 2026, by country
Distribution of domestic and cross-border e-commerce revenues in 2026, by country
Quarterly market share of outgoing digital remittances in France 2016-2025
Quarterly market share of outgoing digital remittances in France 2016-2025
Share of digitally initiated remittances in France from 2nd quarter 2016 to 3rd quarter 2025, based on remittance outflow towards any other country

Biggest brands

Biggest international and domestic payment card schemes in France 2016-2024
Biggest international and domestic payment card schemes in France 2016-2024
Market share of payment card brands - Visa, Mastercard, American Express, or in-market local card schemes - in France from 2016 to 2024
Biggest contactless payment brands at POS in France 2024
Biggest contactless payment brands at POS in France 2024
Biggest contactless payment brands at POS in France as of December 2024
Biggest e-commerce payment brands in France 2024
Biggest e-commerce payment brands in France 2024
Biggest e-commerce payment brands in France as of December 2024
Monthly downloads of digital wallet Wero in several countries in Europe 2024-2025
Monthly downloads of digital wallet Wero in several countries in Europe 2024-2025
Number of downloads of the Wero digital wallet app in different countries and territories in Europe from November 2024 to July 2025
Biggest buy now, pay later (BNPL) apps in France 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in France 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in France from 1st quarter of 2015 to 2nd quarter of 2025, by number of downloads
Biggest cryptocurrency wallets in France 2015-2025, based on downloads
Biggest cryptocurrency wallets in France 2015-2025, based on downloads
Biggest wallets for cryptocurrency storage in France from 1st quarter of 2015 to 1st quarter of 2025, by number of downloads
Quarterly market share of outgoing remittance brands in France 2011-2025
Quarterly market share of outgoing remittance brands in France 2011-2025
Biggest brands for remittances in France from 1st quarter 2011 to 3rd quarter 2025, based on remittance outflow towards any other country

Users

Quarterly Apple Pay penetration, online or offline, in France 2018-2026
Quarterly Apple Pay penetration, online or offline, in France 2018-2026
Apple Pay usage either for online payments or at POS in France from 2018 to 1st quarter of 2026
Quarterly Google Pay penetration, online or offline, in France 2019-2026
Quarterly Google Pay penetration, online or offline, in France 2019-2026
Google Pay usage either for online payments or at POS in France from 1st half 2019 to 1st quarter 2026
Biggest buy now, pay later (BNPL) apps in France in 2025, based on MAU
Biggest buy now, pay later (BNPL) apps in France in 2025, based on MAU
Biggest buy now, pay later (BNPL) apps in France as of July 2025, by number of monthly active users (MAU)
Preference for payment by smartwatch in France in 2023, by age and gender
Preference for payment by smartwatch in France in 2023, by age and gender
Share of respondents in France who prefer to pay with a smartwatch over cash, card, mobile phone, or biometric payment method from 2nd quarter of 2022 to 2nd quarter of 2023
Annual number of crypto users in France 2017-2023
Annual number of crypto users in France 2017-2023
Estimated number of people who hold or trade cryptocurrency in France from 2017 to 2023

Transaction value

Annual key figures on credit card payments in France, with forecasts up to 2029
Annual key figures on credit card payments in France, with forecasts up to 2029
Credit card payments trends overview for France from 2019 to 2024, with forecasts from 2025 to 209
Annual credit card spending in France 2014-2024, in local currency and USD
Annual credit card spending in France 2014-2024, in local currency and USD
Value of credit card transactions for payments in France from 2014 to 2024 (in million euros, and estimates in U.S. dollars)
Annual key figures on debit card payments in France, with forecasts up to 2029
Annual key figures on debit card payments in France, with forecasts up to 2029
Debit card payments trends overview for France from 2019 to 2024, with forecasts from 2025 to 2029
Annual debit card spending in France 2014-2025, in local currency and USD
Annual debit card spending in France 2014-2025, in local currency and USD
Value of debit card transactions for payments in France from 2014 to 2025 (in million euros, and estimates in U.S. dollars)
Annual contactless spending in France 2014-2023, in local currency and USD
Annual contactless spending in France 2014-2023, in local currency and USD
Value of overall contactless transactions for payments in France from 2014 to 2023 (in million euros, and estimates in U.S. dollars)
Annual BNPL spending in France 2022-2025, with a 2031 forecast
Annual BNPL spending in France 2022-2025, with a 2031 forecast
Estimated transaction value of buy now, pay later (BNPL) in France from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars)
Annual value of outgoing and incoming remittance flow in France 2021, by country
Annual value of outgoing and incoming remittance flow in France 2021, by country
Value of remittances sent from/to France to/from other countries or territories worldwide in 2021 (in million U.S. dollars)

Number of transactions

Annual number of credit card transactions in France 2014-2025, per capita
Annual number of credit card transactions in France 2014-2025, per capita
Total number of credit card transactions processed for payments in France from 2014 to 2025
Size of a credit card transaction in France 2014-2023, in local currency and USD
Size of a credit card transaction in France 2014-2023, in local currency and USD
Average value of a credit card transaction in France from 2014 to 2023 (in euros, and estimates in U.S. dollars)
Annual number of debit card transactions in France 2014-2025, per capita
Annual number of debit card transactions in France 2014-2025, per capita
Total number of debit card transactions processed for payments in France from 2014 to 2025
Size of a debit card transaction in France 2014-2023, in local currency and USD
Size of a debit card transaction in France 2014-2023, in local currency and USD
Average value of a debit card transaction in France from 2014 to 2023 (in euros, and estimates in U.S. dollars)
Annual number of contactless transactions in France 2014-2023, per capita
Annual number of contactless transactions in France 2014-2023, per capita
Number of transactions involving contactless or NFC technology in France from 2014 to 2023
Size of a contactless transaction in France 2014-2023, in local currency and USD
Size of a contactless transaction in France 2014-2023, in local currency and USD
Average value of a contactless transaction in France from 2014 to 2023 (in euros, and estimates in U.S. dollars)
Annual number of real-time payments in France in 2023, with a 2028 forecast
Annual number of real-time payments in France in 2023, with a 2028 forecast
Total number of real-time (instant) payments in France in 2023, with a forecast for 2028

Miscellaneous

Annual number of POS terminals in France 2000-2025
Annual number of POS terminals in France 2000-2025
Total number of POS terminals reported in France from 2000 to 2025
Triennial unbanked population share in France 2011-2024, by demographic
Triennial unbanked population share in France 2011-2024, by demographic
Share of unbanked individuals in France from 2011 to 2024, by age, gender, and income level
Number of internet users in France 2000-2050
Number of internet users in France 2000-2050
Number of internet users in France from 2000 to 2050 (in millions)
Mobile internet usage penetration rate in France 2010-2050
Mobile internet usage penetration rate in France 2010-2050
Mobile internet usage penetration rate in France from 2010 to 2050
Retail e-commerce revenue in France 2017-2025
Retail e-commerce revenue in France 2017-2025
Retail e-commerce revenue in France from 2017 to 2025 (in billion U.S. dollars)
Payment types accepted by all e-commerce vendors in France in 2022 and 2024
Payment types accepted by all e-commerce vendors in France in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in France as of February 2024
Main cross-border online shopping origin markets in France 2022, by market share
Main cross-border online shopping origin markets in France 2022, by market share
Leading markets of origin of cross-border online purchases in France in 2022, by market share

Forecasted number of digital payment transactions in Europe
*****bn

Credit card penetration in France
****%

Buy now, pay later market share in domestic e-commerce in France
*%

Key figures

The most important key figures provide you with a compact summary of the topic of "Digital payments landscape in France" and take you straight to the corresponding statistics.

- Biggest brand offering BNPL as a service
- Klarna
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Detailed statistics
Biggest buy now, pay later (BNPL) apps in France 2015-2025, based on downloads
- BNPL share against overall transaction value in Europe
- *%
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Detailed statistics
Annual BNPL spending in France 2022-2025, with a 2031 forecast
- Share of respondents who used online payment services (e.g. PayPal, Amazon Pay)
- ***%
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Detailed statistics
Most common online payments by type in France 2025

- Biggest brand for crypto storage
- Binance
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Detailed statistics
Biggest cryptocurrency wallets in France 2015-2025, based on downloads
- Share of population who hold or trade cryptocurrency
- ****%
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Detailed statistics
Annual number of crypto users in France 2017-2023
- Crypto adoption ranking compared to rest of the world
- Position ***(out of ****countries)
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Detailed statistics
Annual crypto adoption development in France 2020-2025, by metric

- Biggest card brand
- Cartes Bancaires (CB)
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Detailed statistics
Biggest international and domestic payment card schemes in France 2016-2024
- Average value of a credit card transaction
- 50.99 euros
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Detailed statistics
Size of a credit card transaction in France 2014-2023, in local currency and USD
- Average value of a debit card transaction
- 38.11 euros
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Detailed statistics
Size of a debit card transaction in France 2014-2023, in local currency and USD

- Country of origin with highest value of remittances
- Spain
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Detailed statistics
Annual value of outgoing and incoming remittance flow in France 2021, by country
- Country of origin with highest value of cross-border e-commerce purchases
- China
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Detailed statistics
Main cross-border online shopping origin markets in France 2022, by market share
- Unbanked population share
- ***%
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Detailed statistics
Triennial unbanked population share in France 2011-2024, by demographic

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Online payment: Apple Pay users in France

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Digital payments landscape in France - statistics & facts

Key insights