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Visa Navigate

June 2023

 

1 - 2 Minutes

Delivering reliable and robust payment solutions in France

"The introduction of contactless payments has been a game changer for many SMEs in France"

With trust in digital commerce rising, security is one of the top priorities for French business leaders

In recent years, Europe has seen a widespread shift in consumer practices, to online shopping and digital payments for convenience and immediacy. In France, even before the COVID-19 outbreak, online sales accelerated sharply, and after the pandemic French consumers' trust in digital increased exponentially1.

It’s one of the reasons why many small and medium-sized business owners have decided to turn to online sales. Reliable and robust payment systems are essential to the survival and growth of these businesses, as they enable trouble-free online transactions, as well as the confidence of customers and businesses in their ability to pay and get paid.

An Ipsos study commissioned by Visa found that 52% of French business leaders who sell online have been victims of fraud. The need for security and reliability on the part of their acquiring bank is also reflected in the study, as 55% of business leaders rely on these banks to fight fraud.

Saying this, 43% of business leaders surveyed say they take steps to protect themselves. SMBs can count on Visa because we work with banks to ensure they are not solely responsible for protecting them from fraud. Our network continuously monitors cybercrime and fraud activity, protecting every transaction of any size and ensuring every business has access to the latest security technology. You can read more here about how Visa is keeping our data safe.

Visa is also a pioneer of Tokenisation technology, which replaces the 16-digit number found on a credit or debit card (PAN) with a digital token – a completely unique string of numbers with no meaningful data. When a payment is tokenised, consumers’ underlying account details are obscured, meaning their payment data is unreadable and unusable by anyone else, for any transaction other than the one they authorised.

The survey also highlights other top priorities for business leaders, such as improved authentication rates (45%) and faster checkout (43%). It’s another reason why Visa is continually investing in new ways to pay and get paid and keep up with customer expectations.

Romain Boisson, Country Manager, Visa France, commented on the findings and how Visa is working to keep up with the demands of consumers. He said, "The introduction of contactless payments has been a game changer for many SMEs in France, but digital payments have become an integral part of our daily lives. Consumers are less and less distinguishing between their virtual and face-to-face experiences. That's why we work closely with all our partners to ensure that businesses of all sizes have the best possible security tools.”

Arne Rotzmeier, Head of Product for FBL, Visa Europe, outlined some of the solutions Visa has delivered to support customers, "We are working with partners in France to implement the Visa Click to Pay solution, which enhances the e-commerce experience and makes online payment easy, smart and secure. Registered customers no longer need to enter their account number, search for password, or fill out lengthy forms to make a purchase. This reduces the barriers to purchase, which can help reduce cart abandonment and increase sales," says.

About the study
Ipsos survey for Visa conducted from 6 to 7 March 2023 among 500 French business leaders with a clientele of individuals. These entrepreneurs are between 18 and 75 years old and gender quotas were used, based on an impact question asked during an Omnibus survey in November 2022, on a nationally representative sample of 1000 people aged 18 to 75.

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All brand names, logos and/or trademarks are the property of their respective owners, are used for identification purposes only, and do not necessarily imply product endorsement or affiliation with Visa.

1Bank of France, 2021 report: “Online payments continued to grow strongly" (up 21% in 2021)

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