Une analyse des facteurs de l’acceptation et de l’usage des instruments de paiement par les commerces en France

An Analysis of the Factors of the Acceptation and Use of Payment Instruments by Retailers in France The empirical literature on the economics of payment instruments mainly focused on consumer payment behaviours. However, the recent theoretical studies on the two-sided markets applied to payment cards show that merchant plays as well a fundamental role in the use of payment instruments at the point of sale. Now, to the exception of a Canadian study realized by Arango and Taylor (2008), there is no empirical study dedicated to the analysis of the determinants of the acceptation and use of the payment instruments by retailers. Using an original data set from a survey administrated in France from March to May 2008 on a sample of 4,601 retailers who sell goods and services to final consumers, this paper aims at analyzing the factors that influence the acceptation and use of cash, check and payment card by French retailers. Classification JEL : E42, G24, L81.