2026 Annual Overview of Fraud in France

Card fraud rates may be historically low. But retail fraud has shifted beyond the checkout into BNPL, returns, refunds, delivery abuse, loyalty theft and promotion exploitation. This report explores:

• Why card fraud rates no longer tell the full story
• How BNPL became retail’s highest-risk payment channel, and why payment data alone isn’t enough
• How post-purchase fraud erodes margins and promo abuse hides inside legitimate-looking orders
• What synthetic identities, loyalty abuse and behavioural signals reveal about modern retail fraud

If you operate high-volume ecommerce or retail journeys, this is an essential guide that will help you understand and adapt to major challenges.