By Raphaël MORENON
3 August 2025
The payment card has become an indispensable tool in economic life, simplifying everyday transactions for individuals and businesses alike. Behind its ease of use, however, lies a dense legal framework, profoundly transformed by European law, which defines the rights and obligations of each player: the cardholder, the merchant who accepts it, and the bank that issues it. This article provides an overview of the fundamental principles governing payment cards under French and European law, from the legal definition of the instrument to the remedies available in the event of fraud. In the event of difficulties, particularly in the case of fraud, the assistance of a lawyer may prove decisive in asserting your rights; our expertise in banking fraud law is at your disposal to analyse your situation. What is a payment card? Legal definition The French Monetary and Financial Code no longer defines a payment card...
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