27. 6. 2025
France has tightened the rules around card payments. Since April 2025, stronger enforcement means stricter security standards - especially for payments where the cardholder isn't present.
The goal? Cut fraud. Protect consumers. And make sure merchants get paid safely.
These updates could mean headaches for many businesses. But for Mollie customers, there's nothing to fix or figure out. You're already compliant - and protected.
Here's what's changing, and why you don't need to lift a finger.
Card-not-present payments are more vulnerable to fraud. So French authorities are cracking down.
The new rules focus on two things:
Getting clear consent when a card is saved for future use
Making strong customer authentication (SCA) the default, not the exception
Until now, some payments could skip authentication altogether. That’s DTA – a shortcut that sent card details straight to the bank for authorisation, no 3DS step required.
Yes, it boosted conversion. But it also came with a fraud rate 3–4 times higher.
Now? That shortcut’s closed. French regulators have shut down DTA for almost all transactions. If you’re not using 3DS, you’re not getting paid.
At Mollie, we haven’t relied on DTA for years. Our payment flows are already built with security – and compliance – baked in.
Every transaction, including low-value ones and MOTO (Mail Order/Telephone Order), now goes through 3DS. That doesn’t always mean strong authentication, but it does mean higher security and better traceability.
Merchant-Initiated Transactions (like subscriptions) must link back to an initial 3DS-authenticated payment. That’s how you prove the customer agreed – and how you protect yourself from chargebacks.
MOTO payments are capped at €500 and closely monitored. They’re high-risk, and the regulator knows it.
Low-value payments (under €30) go through the 3DSv2 protocol. Some can be exempt from strong authentication – but not from traceability.
Almost nothing. Because we already built for it.
✔ Reuse of cards? Already handled. Our system always ties recurring payments to a strong first transaction.
✔ MOTO payments? Better alternatives in place. Mollie Payment Links let you take secure payments online – no phone calls, no manual data entry.
✔ Subscription flows? Fully supported. We help you build trust with customers by making terms and reuse crystal clear.
✔ Compliance updates? Done. We’re already aligned with the new standards – no action needed from your side.
The new French rules became mandatory in April 2025. We baked them into our platform long before that. If you’re using Mollie, you’re already covered.
Still using MOTO? There’s a better way. Mollie Payment Links let you send a secure, branded link by email, SMS, or chat. Customers pay in a few taps – no risk, no friction.
Selling subscriptions? We’ll help you make sure your customers know what they’re signing up for – and how their card will be used.
Worried about how the rules will affect you? We’re not. Mollie gives you the data to track performance, plus hands-on support when you need it.
Stricter card payment rules in France aren’t here to slow down your growth. They’re here to protect it.
With Mollie, you’re not scrambling to adapt – you’re already ahead. Our platform, support, and proactive updates mean you can keep doing what you do best: running your business.
Still taking MOTO payments? Need to check your subscription setup? Want to make sure you're compliant?
Let’s talk. We’ll make it effortless.
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