In Paris, and throughout France, Visa and Mastercard are the most widely accepted credit cards, used in virtually every restaurant, hotel, and boutique. They utilize the "Chip and PIN" (or "Chip and Signature") system, and contactless "tap" payments are the standard for transactions under €50. American Express is accepted in most major hotels, high-end department stores (like Galeries Lafayette), and luxury restaurants, but many smaller "mom-and-pop" bistros and independent boutiques may decline it due to higher merchant fees. Discover and Diners Club have very limited acceptance and are often only usable at major international hotel chains or specific ATMs. In 2026, mobile wallets like Apple Pay and Google Pay are ubiquitous in Paris, even at boulangeries and market stalls. For a smooth trip, travelers are advised to carry a Visa or Mastercard with no foreign transaction fees and to always choose to be charged in "Euros" rather than their home currency to avoid the poor exchange rates of Dynamic Currency Conversion (DCC).