France · Payments & e-money
Cnova Pay
CNOVA PAY is a French simplified joint-stock company (société par actions simplifiée) based in Bordeaux. The Autorité de Contrôle Prudentiel et de Résolution (ACPR) authorised it as an electronic money institution on 26 November 2019. The ACPR also approves it as a société de financement (finance company). It belongs to the Cnova group, which runs Cdiscount, and Casino, Guichard-Perrachon is its ultimate parent. The firm opens payment accounts for professional sellers on marketplaces served by the Octopia solution, and those marketplaces collect buyers' payments as its agents. It also grants the "paiement en 4 X" instalment offer to consumers on Cdiscount.com, in partnership with FLOA.
Licences and registrations
Held by Cnova Pay (LEI 969500TMLITVWF2C5N40). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterPrudential Supervisory and Resolution Authority | Electronic money institutionE-Money / Stored Value Institution | 827802737 | France | Active | 2019-11-26 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
E-money and accounts
Trades as CnovaPay
- Ownership
- The firm is a single-shareholder SAS in the Cnova group, and GLEIF reports Casino, Guichard-Perrachon as its ultimate accounting parent.
- Ultimate owner
- Casino, Guichard-Perrachon, France
- Head office
- 120-126 quai de Bacalan, 33000 Bordeaux, France
- Company register
- RCS Bordeaux 827 802 737
Sources · 7 pages consulted
- i2.cdscdn.com/resources/struct/Marketplace/seller/dashboard/cgu_octopia_fr.pdf?20220427=
- cdiscount.com/odr/ImagesOK/CommercialOffer/conditions_110283202509231151335659.pdf?rnd=67AFA339
- cdiscount.com/payment/paymentinfo.html
- fi.ee/en/payment-services/e-money-institutions/providers-cross-border-e-money-services/cnova-pa
- marketplace.cdiscount.com/wp-content/uploads/2025/08/2025.08.25-CGMAD-FR.pdf
- i2.cdscdn.com/resources/struct/Marketplace/seller/salesChannel/CGMAD_CASINO.pdf
- cnova.com/wp-content/uploads/2025/02/Cnova-NV_Communique-de-presse-Resultats-2024-et-Activite-T4-24
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as an electronic money institution and approves it as a société de financement. Marketplaces such as Cdiscount collect buyers' funds as its registered payment-services agents. Octopia (MAAS) acts as its banking and payment-services intermediary (IOBSP).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Établissement de monnaie électronique | 78191 | In its own name | Active | i2.cdscdn.com ↗ |
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Société de financement | 78191 | In its own name | Active | cdiscount.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that sellers' funds are placed in a safeguarding (cantonnement) account opened in its name with a credit institution, in line with the French Monetary and Financial Code, and the bank is not named.
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It holds and pays out the sales proceeds of professional sellers on Octopia-connected marketplaces, and it grants a four-instalment card payment offer on Cdiscount.com.
It serves marketplace sellers and French consumers under its French authorisation, and the Estonian FSA lists it as a provider of cross-border e-money services.
- Sells to
- Small businesses · Platforms and marketplaces · Consumers
- Serves customers in
- France
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Natacha Charvet Présidente
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 827802737
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- National bank code
- FR-CIB 17058
- Elucidate firm ID
- 76703bb9dbfd
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- E-Money / Stored Value Institution
- Activities
- Payment services
- Card acquiring
- E-money / stored value
- Licensed in
- France · Europe & Central Asia
- First registered
- 2019-11-26
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Ultimate parent
- Casino, Guichard-Perrachon · France969500VHL8F83GBL6L29 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 120-126 Quai de Bacalan, BORDEAUX, 33000
- Country
- France
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>969500TMLITVWF2C5N40</LEI>
<Nm>CNOVA PAY</Nm>
<PstlAdr>
<PstCd>33000</PstCd>
<TwnNm>BORDEAUX</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>120-126 Quai de Bacalan</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
National bank codes
National bank-code directories, matched by LEI
| Code | Scheme | Name in the directory | City |
|---|---|---|---|
| 17058 | FR-CIB | CNOVA PAY | BORDEAUX |
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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