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 that defines the rights and obligations of each player: the cardholder, the merchant who accepts it, and the bank that issues it. This contractual and regulatory universe can quickly become complex, particularly in the event of a dispute or fraud. This article provides an overview of the fundamental principles governing payment cards under French law, and will serve as a guide to understanding the mechanisms that we detail in more specific publications. In the event of difficulties, particularly in the area 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...
EN 
FR