Despite its growing use, bank cards are still not accepted by one out of three VSEs and SMEs in France. In question in particular, the costs of equipment in payment terminals.
In France, nearly one out of six payments, excluding cash, is made by bank card (1). Despite this spectacular figure, and in constant progress, more than a third of French small and medium-sized businesses do not yet accept this means of paymentaccording to a study published today Visa (2). Not retail businesses, 92% of which have taken the plunge, but above all craftsmen and local services.
However, more than half of the SMEs surveyed noted an increase in their sales when customers use cards (57%), reports the US Acceptance Network. Nearly half of the merchants surveyed (49%) said they had experienced growth in their turnover of between 6% and 15% after the introduction of card acceptance, details Sophie Noel, Head of Merchant Sales and Acquiring at Visa France, Belgium and Luxembourg.
What is holding these small businesses back? First of all, payment terminal access costs, cited by 57% of the probes. A quarter of them would be encouraged to take the plunge if they did not need additional equipment. What is now possible, thanks to to technology tap to paywhich allow you to accept contactless payments on a simple Android or iPhone mobile.
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(1) Source: Observatory for the security of means of payment, Banque de France, 1st half of 2022. (2) Survey conducted by Dynata among 5,563 people in 14 European countries, at the end of 2022, including 805 in France. Very small and small businesses include companies with less than 50 employees and whose turnover is less than 10 million euros.