{"id":23680,"date":"2026-04-01T16:30:41","date_gmt":"2026-04-01T15:30:41","guid":{"rendered":"https:\/\/yavin.com\/blog\/?p=23680"},"modified":"2026-04-10T16:41:03","modified_gmt":"2026-04-10T15:41:03","slug":"index-yavin-evolution-des-reseaux-de-paiements-en-france-2025","status":"publish","type":"post","link":"https:\/\/yavin.com\/blog\/news-yavin\/index-yavin-evolution-des-reseaux-de-paiements-en-france-2025\/","title":{"rendered":"Index Yavin : \u00c9volution des r\u00e9seaux de paiements en France (S2 2025)"},"content":{"rendered":"<h2><b>Index Yavin S2 2025<\/b><\/h2>\n<p>Apr\u00e8s une chute historique, le r\u00e9seau Cartes Bancaires amorce enfin son rebond en France<\/p>\n<p><a href=\"https:\/\/yavin.com\/fr_fr\/\"><b>Yavin<\/b><\/a><b>, sp\u00e9cialiste fran\u00e7ais des terminaux de paiements innovants pour les commer\u00e7ants, publie la nouvelle \u00e9dition de son Index des r\u00e9seaux de cartes bancaires. \u00c9labor\u00e9 \u00e0 partir de l&#8217;analyse de plus de 3 milliards d&#8217;euros de transactions, cet Index mesure les parts de march\u00e9 des r\u00e9seaux CB, Visa et Mastercard, et pour la premi\u00e8re fois depuis deux ans, r\u00e9v\u00e8le une inversion de tendance majeure pour la souverainet\u00e9 num\u00e9rique fran\u00e7aise\u00a0 : apr\u00e8s avoir chut\u00e9 \u00e0 61,4 % de parts de march\u00e9, le r\u00e9seau national GIE Cartes Bancaires (CB) amorce une reprise sur les paiements de proximit\u00e9 pour atteindre 63,6 % au second semestre 2025.\u00a0<\/b><\/p>\n<p><b>Un signal encourageant, port\u00e9 notamment par le retour du cobadgeage (l\u2019association sur une m\u00eame carte du r\u00e9seau fran\u00e7ais CB et d\u2019un r\u00e9seau international) chez les grandes banques et l&#8217;int\u00e9gration croissante de CB dans les paiements mobiles via Apple Pay.<\/b><\/p>\n<h3><b>Un plancher historique, puis un rebond<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La tendance baissi\u00e8re du r\u00e9seau Cartes Bancaires, document\u00e9e par Yavin depuis le lancement de son Index en 2021, avait conduit le r\u00e9seau national \u00e0 un seuil critique : pr\u00e8s de 60 % de PDM seulement sur les cartes fran\u00e7aises, contre 90 % fin 2021. Un recul spectaculaire en l&#8217;espace de quelques ann\u00e9es.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mais le dernier trimestre marque un tournant. Pour la premi\u00e8re fois, l&#8217;Index Yavin enregistre une inversion de tendance : la PDM de CB repart l\u00e9g\u00e8rement \u00e0 la hausse et se stabilise \u00e0 61 % des cartes fran\u00e7aises. Un signal encore modeste, mais significatif, qui confirme que les mesures prises par l&#8217;\u00e9cosyst\u00e8me bancaire commencent \u00e0 produire leurs effets.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-23681 size-full\" src=\"https:\/\/yavin.com\/wp-content\/uploads\/2026\/04\/Index-Yavin.png\" alt=\"index yavin S2 2025\" width=\"1200\" height=\"1000\" srcset=\"https:\/\/yavin.com\/wp-content\/uploads\/2026\/04\/Index-Yavin.png 1200w, https:\/\/yavin.com\/wp-content\/uploads\/2026\/04\/Index-Yavin-300x250.png 300w, https:\/\/yavin.com\/wp-content\/uploads\/2026\/04\/Index-Yavin-1024x853.png 1024w, https:\/\/yavin.com\/wp-content\/uploads\/2026\/04\/Index-Yavin-768x640.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h3><b>Le cobadgeage et Apple Pay comme moteurs du rebond de CB<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Le premier moteur de ce rebond est le retour au cobadgeage syst\u00e9matique chez les grandes banques fran\u00e7aises. Apr\u00e8s une p\u00e9riode durant laquelle plusieurs \u00e9tablissements avaient privil\u00e9gi\u00e9 l&#8217;\u00e9mission de cartes exclusivement Visa ou Mastercard, la quasi-totalit\u00e9 des grands r\u00e9seaux bancaires \u00e9met de nouveau des cartes associant le r\u00e9seau CB \u00e0 un r\u00e9seau international. Ce retour au double marquage permet de rediriger une part significative des transactions vers le r\u00e9seau national au moment de l&#8217;encaissement en magasin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Second facteur d\u00e9terminant : l&#8217;int\u00e9gration du r\u00e9seau CB dans les paiements mobiles via Apple Pay. Jusqu&#8217;\u00e0 r\u00e9cemment, les transactions effectu\u00e9es via le portefeuille num\u00e9rique d&#8217;Apple transitaient quasi exclusivement par les r\u00e9seaux Visa et Mastercard. D\u00e9sormais, de nombreuses banques fran\u00e7aises ont activ\u00e9 le routage CB dans Apple Pay, ce qui permet aux paiements sans contact par iPhone et Apple Watch d&#8217;emprunter le r\u00e9seau national. Un changement technique d\u00e9terminant, compte tenu de la croissance continue du paiement mobile en France.<\/span><\/p>\n<h3><b>Le d\u00e9fi des n\u00e9obanques et fintechs pour consolider le rebond<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Malgr\u00e9 ces avanc\u00e9es, un point de fragilit\u00e9 demeure : les banques en ligne et fintechs continuent de privil\u00e9gier massivement les r\u00e9seaux internationaux. Revolut, N26, Qonto ou encore les acteurs du <\/span><i><span style=\"font-weight: 400;\">Banking-as-a-Service<\/span><\/i><span style=\"font-weight: 400;\"> \u00e9mettent exclusivement des cartes Visa ou Mastercard. \u00c0 mesure que ces acteurs gagnent des parts de march\u00e9 aupr\u00e8s des particuliers et des professionnels, leur poids dans le volume global de transactions augmente, ce qui freine m\u00e9caniquement la reconqu\u00eate de CB. Tant que le r\u00e9seau national ne parviendra pas \u00e0 convaincre ces nouveaux acteurs, son rebond restera fragile.<\/span><\/p>\n<h3><b>Un enjeu de souverainet\u00e9 et de co\u00fbts pour les commer\u00e7ants<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ce rebond de CB est une bonne nouvelle pour les commer\u00e7ants. Les frais de r\u00e9seau pr\u00e9lev\u00e9s par Visa et Mastercard restant significativement plus \u00e9lev\u00e9s que ceux du r\u00e9seau national, chaque point de PDM reconquis par CB contribue \u00e0 contenir la pression sur les commissions bancaires.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Par ailleurs, dans un contexte de d\u00e9pendance croissante aux infrastructures technologiques extra europ\u00e9ennes, le maintien d&#8217;un syst\u00e8me de paiement national autonome garantit la r\u00e9silience de l&#8217;\u00e9conomie fran\u00e7aise. Cette ind\u00e9pendance permet de prot\u00e9ger durablement les commer\u00e7ants contre des d\u00e9cisions tarifaires ou des \u00e9volutions strat\u00e9giques dict\u00e9es hors de l&#8217;Union europ\u00e9enne<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00ab <\/span><i><span style=\"font-weight: 400;\">Le rebond de Cartes Bancaires est un signal positif pour l&#8217;ensemble de l&#8217;\u00e9cosyst\u00e8me. Le cobadgeage des cartes \u00e9mises par les banques et l&#8217;int\u00e9gration dans Apple Pay montrent que le r\u00e9seau national peut reconqu\u00e9rir du terrain. Yavin continue de lutter au quotidien pour obtenir les taux les plus bas pour ses commer\u00e7ants ; le r\u00e9seau fran\u00e7ais CB est un alli\u00e9. <\/span><\/i><span style=\"font-weight: 400;\">\u00bb <\/span><b>Samuel Manass\u00e9, CEO et cofondateur de Yavin.<\/b><\/p>\n<p><b>M\u00e9thodologie :<\/b><\/p>\n<p><span style=\"font-weight: 400;\">L&#8217;Index Yavin est \u00e9labor\u00e9 \u00e0 partir des donn\u00e9es transactionnelles de ses clients afin de mesurer les parts de march\u00e9 des diff\u00e9rents r\u00e9seaux de cartes bancaires (CB, Visa et Mastercard). Le volume de donn\u00e9es analys\u00e9 repr\u00e9sente plus de 3 milliards d&#8217;euros de transactions. L&#8217;Index se concentre exclusivement sur les paiements de proximit\u00e9 (sur terminaux de paiement), qui constituent 100 % des paiements int\u00e9gr\u00e9s \u00e0 l&#8217;\u00e9tude. Les paiements de proximit\u00e9 repr\u00e9sentent la meilleure approximation de l&#8217;\u00e9tat du parc de cartes bancaires en France, car ils minimisent la capacit\u00e9 du consommateur \u00e0 choisir le r\u00e9seau de paiement au moment de l&#8217;encaissement. Le r\u00e9seau pris en compte est celui utilis\u00e9 par la carte pour initier la transaction, et le r\u00e9seau prioritaire chez Yavin est syst\u00e9matiquement celui du GIE CB. La r\u00e9partition des commer\u00e7ants participants est homog\u00e8ne sur le territoire fran\u00e7ais. Cet index est mis \u00e0 jour trimestriellement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00e9tails des chiffres accessibles via ce lien : <\/span><a href=\"http:\/\/yav.in\/-indexyavin\"><span style=\"font-weight: 400;\">yav.in\/-indexyavin<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Index Yavin S2 2025 Apr\u00e8s une chute historique, le r\u00e9seau Cartes Bancaires amorce enfin son rebond en France Yavin, sp\u00e9cialiste fran\u00e7ais des terminaux de paiements innovants pour les commer\u00e7ants, publie la nouvelle \u00e9dition de son Index des r\u00e9seaux de cartes bancaires. \u00c9labor\u00e9 \u00e0 partir de l&#8217;analyse de plus de 3 milliards d&#8217;euros de transactions, cet &#8230;<\/p>\n","protected":false},"author":6,"featured_media":22290,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[565,186,187],"tags":[789,736,788,748],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Index Yavin : \u00c9volution des r\u00e9seaux de paiements en France (S2 2025) | Yavin<\/title>\n<meta name=\"description\" content=\"Au cours du premier trimestre 2023, la tendance \u00e0 la baisse des parts de march\u00e9 des Cartes Bancaires (CB) s&#039;est confirm\u00e9e, refl\u00e9tant un changement significatif dans les habitudes de paiement des consommateurs fran\u00e7ais.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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