A shared fraud-intelligence framework for payment service providers in France.
What is FNC-RF and Why PSPs Must Connect
FNC-RF, or the Fichier national des comptes signalés pour risque de fraude, is France’s national database of accounts reported as presenting a fraud risk. Managed by the Banque de France, it enables payment service providers to share information about suspicious accounts and act on fraud intelligence contributed by other participants.
The framework strengthens collective fraud prevention by giving PSPs access to account-level risk information that may not be visible from their own transaction data alone.
Why FNC-RF matters
Fraudulent payments often move across institutions, making it difficult for any single PSP to see the complete risk picture. FNC-RF allows participating institutions to share suspicious account information, investigate reports involving accounts they hold, and keep fraud-risk data current across the network.
FNC-RF became operational in May 2026 and applies to relevant PSPs established or operating in France. Compliance requires more than connecting to a database. PSPs must support the ongoing declaration, qualification, updating, and synchronization of fraud events.
Participate in the network without adding unnecessary complexity to fraud operations.
For PSPs, FNC-RF introduces several ongoing operational and technical responsibilities. Institutions must contribute fraud intelligence, respond when accounts they host are reported, and maintain access to current information from across the network.
Declare suspicious accounts
Report accounts identified through internal fraud controls and share the relevant fraud event with the FNC-RF community.
Investigate events raised against accounts held by your institution and share the outcome with other participants.
Modify or remove previously reported events as investigations progress and account statuses change.
Maintain an up-to-date local view of FNC-RF data through continuous polling and synchronization with the Banque de France.
Connect to FNC-RF without building and maintaining the full integration in-house.
IPID simplifies participation in France’s fraud-sharing framework by translating FNC-RF requirements into intuitive operational workflows.
PSPs can declare, qualify, update, and query fraud events through standardized APIs and a user-friendly interface, while automated synchronization keeps account-risk information current.
Support FNC-RF participation through the workflows required to declare, qualify, update, and synchronize fraud information.
Use intelligence shared across the network to identify accounts associated with suspected fraud before payments are completed.
Connect through standardized APIs and operational tools without requiring internal teams to manage the full complexity of the underlying FNC-RF infrastructure.
FNC-RF is France’s national database of accounts reported as presenting a risk of fraud. It is managed by the Banque de France and enables participating PSPs to share and consult information about suspicious accounts.
FNC-RF stands for Fichier national des comptes signalés pour risque de fraude, meaning the national database of accounts reported for fraud risk.
FNC-RF applies to relevant payment service providers established or operating in France. These institutions are expected to participate by reporting suspicious accounts, investigating reports concerning accounts they hold, and sharing the results of those investigations.
PSPs must declare accounts suspected of involvement in fraud, qualify reports involving accounts they hold, update events when their status changes, and maintain access to current FNC-RF information.
A qualification request is triggered when an account held by a PSP is reported by another participant. The account-holding PSP must investigate the report and share its assessment through FNC-RF.
No. The two controls provide different risk signals. Verification of Payee (VoP) checks whether the account name matches the intended recipient, while FNC-RF provides information about fraud events associated with an account. Used together, they provide a more complete view of payment risk.
Yes. With IPID, an FNC-RF risk indication can be incorporated into Verification of Payee or IPID's global payee verification responses, helping the PSP assess both recipient identity and known account-level fraud risk.
IPID provides the connectivity and operational capabilities PSPs need to participate in FNC-RF. This includes synchronizing with the FNC-RF database and supporting the declaration, qualification, modification, deletion, and querying of fraud events through standardized APIs and user-friendly workflows.
Eligible participants include authorized PSPs operating in France, such as banks, electronic money institutions, and payment institutions. Participation requires the relevant Banque de France enrollment, credentials, certificates, and technical connectivity.
Yes. IPID’s fraud-sharing architecture is designed to connect with FNC-RF today while supporting additional domestic and cross-border fraud-intelligence networks as they emerge.
