Chèque-Vacances is a public voucher scheme that French employees accumulate through employer and social security contributions to spend on holidays and leisure, and it represents a significant source of spending in French tourism and leisure. However, because it is operated by a public body (ANCV) and merchant eligibility is legally limited by statute to domestic French tourism and leisure businesses, it is highly uncertain whether a structure allowing a Korean merchant located outside France to accept it online can exist at all.

For Korean businesses targeting French travel and leisure demand, we therefore recommend treating Cartes Bancaires, PayPal, and installment payments (Alma, Oney) — which French consumers use universally — as the primary methods, and considering ANCV only as a secondary option once eligibility has actually been confirmed. See the links below for other methods worth reviewing together.

Chèque-Vacances is issued in both paper-voucher and digital (Chèque-Vacances Connect) form, and consumers can only use it with French tourism and leisure businesses that have been approved as ANCV merchants. Whether a Korean merchant can accept it online at all depends first on whether it can meet ANCV's merchant requirements, so this guide does not describe a standard PG integration flow as a given.

Accepting ANCV through Hecto Financial is currently difficult to present as a standard coverage item. Because of the institutional constraint that merchants must be domiciled in France, interested merchants should first confirm through consultation whether adoption is possible at all.

• Acceptance eligibility

  Since this voucher is restricted to domestic France, first confirm whether remote acceptance by a Korean merchant is even possible

• Sales channels

  Integration method and priority differ depending on your online sales channel mix — owned storefront, marketplaces, mobile app, and so on

• Product categories

  Check in advance whether your product categories fall under ANCV's restricted merchant categories

• EU regulatory compliance

  Confirm compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

Even assuming ANCV acceptance is eligible, settlement would follow the same structure as other methods: Hecto Financial receives euro (EUR) funds, converts them, and pays out in whichever of USD, KRW, or JPY is selected in the contract. However, because vouchers can carry refund and cancellation rules that differ from ordinary payments, and how the EU's 14-day withdrawal right would be handled also needs separate confirmation, eligibility, settlement, and refund terms should all be negotiated together.

• Banque de France (Central Bank of France)Official information on France's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.
• Autorité de contrôle prudentiel et de résolution (ACPR)The authority that licenses and supervises payment service providers. Useful for confirming payment service regulations in France.