The bank card remains the favorite payment method of the French during their online purchases. Or, In France, The term "bank card" is more associated with the object than with the brand. However, there are differences to know between the types of payment card. Philippe Daly, Vice-president of Mollie France, Return to what e-merchants must know before offering this payment method on their site.
The bank card is an assurance of being paid : For e-merchants, It is the guarantee of being paid quickly. From the moment the transaction is accepted, the e-merchant is credited with the amount of the sale and immediately has funds. But beware of retrofactoring (chargebacks) : This system allows consumers, under certain conditions, to be reimbursed for an online payment made by bank card up to six months after the transaction. If the customer has not received his order, or if the purchase has been made with a stolen bank card, He can initiate a loadback procedure to be reimbursed. Result for e-merchants : loss of their product and money. Also pay attention to transaction costs : Proposing payment by bank card on its online site involves transaction fees, which can quickly prove to be high if you don't pay attention. Too, E-merchants should know that the costs may vary depending on the type of payment card used (credit card, debit, etc.), but also the network that will deal with the transaction (More details below). otherwise, If the sale is done internationally, You have to be careful not to be surprised by the higher transaction costs of the cards issued abroad.
Propose other means of payment
Do not forget to offer other means of payment, For example Paypal or other payment systems like Bancontact (Belgium) or ideal (Netherlands), which are a way of attracting more buyers and will help develop activity outside the borders. Call on a payment service provider (PSP) allow, among others, to personalize the payment page. A payment solution, It is also the guarantee of secure payments, advanced functions to keep control over your cash flow and, in general, access to technical assistance to help solve any problem.
Online payments involve costs
Out of language, In France, The bank card designates any type of credit card, or, The costs associated with card type transactions can be different. These costs, It is the online store owners who must pay them. There are three types. The Interchange Commission (also called the interbank payment commission or CIP) : These are costs related to money transfers between the bank of the person making the purchase and that of the e-commerce site. Within the European Economic Area (EEE), they are capped. Network or scheme fees : They vary depending on the type of card (CB, Visa or Mastercard of individuals, sales card, debit or credit), the payment platform used or the type of payment (Online or physical from a VSE). They are fixed freely by the card networks. Network fees for professional and commercial cards can be up to four times higher than that of cards for individuals. Buyer or PSP fees : They correspond to the costs invoiced by banks or payment solutions. They are fixed freely and generally make it possible to cover the interchange commission and network fees. For each payment by bank card (particular), A percentage on the amount of the transaction is applied.
