Deemed too expensive to take care of and too easily falsifiable, checks undoubtedly live their last years of existence.
While it represented 37% of transactions in 2000, checks are now only used in 3% of cases in 2024. These pieces of paper that banks have no systematically send their customers to have been disappearing in recent years, now accelerated with the planned stop of the last Treasury Treasury treatment center in 2027.
It must be said that the check has had its time. Deemed too easily falsifiable, this means of payment is also expensive to take care of. According to information from the world, only 39 million checks were collected in 2024 by the Treasury, a state service attached to the Ministry of Finance, dizzying of 72% in 15 years.
Expensive and old -fashioned for banks and the state
If the French appreciated the check to pay the rent, send a deposit, or even pay in several times, more modern solutions have taken the plunge. The bank card has become the majority, even more with the means of contactless payment like Apple Pay, just like virtual cards or platforms like Lydia and Paypal.
The time when you took out your checkbook, sometimes in the colors of a region, an event, or neutral color, seems to be over. Especially since the state has made this means of payment drastically reduce. For taxes, you must not exceed 300 euros, under penalty of having to pay an increase of 0.2%. In stores as in supermarkets, the check is almost no longer accepted either.
To treat these checks, the public treasury therefore goes through a single treatment center still open, but which could disappear within two years. The state would then go through a private actor, Tessi, who has already won part of the activities during important periods. A closure that would concern up to fifty positions, alerts the CFDT, which would rather like a modernization of the equipment.
Even if the treasure wishes to see them disappear, the checks are not ready to die completely. They remain useful for many steps and can also prove to be a good delayed payment way -Tean banks that do not receive it for several days. In the trade, to refuse a check, cash payment and bank card must be possible.
