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Payment
"Cash back": how many euros can we give you in change?
Publié le null - Directorate for Legal and Administrative Information (Prime Minister)
Make €20 grocery shopping, pay €50 by credit card and recover from the merchant €30 in cash: this type of transaction is beginning to develop in France. This practice is known as is contained in the European Payment Services Directive (PSD2).
A decree of 24 December 2018 specifies that the minimum purchase amount made under this framework is fixed at €1, the maximum amount which the trader may return to the customer being fixed at €60. This service can only be provided at the request (made before payment) of the customer acting for non-business purposes. Payments by check may not give rise to the provision of cash.
Withdrawing cash from supermarket checkouts at the time of purchase is already widespread in Europe, where this use of troubleshooting, according to a study by the European Central Bank published in November 2017, represents about 7% of the total withdrawals, transactions with bank machines approaching 40%.
FYI
Ordinance 2017-1252 of 9 August 2017 transposing the European directive updates the legal framework for payment services, in order to adapt it to new types of actors and products, better protect consumers, enhance data security and support innovation. It was ratified by the law of 3 August 2018.
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