Carte Bleue

Carte Bleue (English: Blue Card) was a major debit card payment system operating in France. Unlike Visa Electron or Maestro debit cards, Carte Bleue allowed transactions without requiring authorization from the cardholder's bank. In many situations, the card worked like a credit card but without fees for the cardholder. The system has now been integrated into a wider scheme called CB or carte bancaire ("banking card"). All Carte Bleue cards were part of CB, but not all CB cards were Carte Bleue.

The system is national, and pure Carte Bleue cards did not operate outside France. However, it is possible and commonplace to get a CB Visa card that operates outside France. Carte Bleue was, technically speaking, the local affiliate of Visa.

Carte Bleue started in 1967, associating six French banks: BNP, CCF, Crédit du Nord, CIC, Crédit Lyonnais, and Société Générale. Combined Visa cards have existed since 1973 under the name Carte Bleue Internationale, changing to Carte Bleue Visa in 1976.

From 1992 on, all Cartes Bleues / CB have been smart cards. When using a Carte Bleue at a French merchant, the PIN of the card must be used, and a microchip on the card verifies and authenticates the transaction. Only some very limited transactions, such as motorway tolls or parking fees, are paid without PIN. Since automatic teller machines also check for the PIN, this measure strongly reduces the incentive to steal Cartes Bleues, since the cards are essentially useless without the PIN (though one may try using the card number for mail-order or e-retailing). Foreign cards without microchips can still be used at French merchants if they accept them, with the usual procedure of swiping the magnetic stripe and signing the receipt.

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