# Shine — Payment Provider

Shine (Shine by Cegid) is a French payment institution authorised by the ACPR that offers an online business account with a French IBAN, Mastercard cards, SEPA, instant and international transfers, plus cheque and cash deposits. It bundles invoicing, e-invoicing as an approved platform, pre-accounting and team expense tools. Online and in-person card acceptance is offered through partner providers Mollie and SumUp, not by Shine itself.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Freelancers, very small businesses and SMEs in France that want an online business account with a French IBAN, Mastercard cards, invoicing and bookkeeping tools.
- **Fees:** Free: 0 € / mois; Start: 9 € / mois HT; Plus: 20 € / mois HT; Business: 45 € / mois HT. Virements et prélèvements SEPA: 3 inclus / mois puis 0,50 € HT/sup. (Free); 30 inclus / mois (Start), 150 inclus / mois (Plus), 300 inclus / mois (Business), puis 0,20 € HT/sup. Virements internationaux (entrants): 6 € HT / virement (Free), 5 € HT / virement (autres offres). Virements internationaux (sortants): 1,5 % (6 € HT minimum) / 0,75 % (5 € HT minimum) / 0,6 % (4 € HT minimum) / 0,5 % (4 € HT minimum). Paiement par carte à l'étranger (hors zone euro): 2,5 % / 1,75 % / 1,25 % / 1 % par paiement.
- **Fee model:** custom
- **Categories:** regional
- **Countries served:** 1 (FR)
- **Payment methods:** bank_transfer, cash, check, mastercard, sepa, sepa_instant, swift, wire_transfer

## Legal & compliance

Legal entities:
- SHINE FRANCE — France — licenses: Payment Institution, FR, ACPR
- Shine Netherlands B.V. — Netherlands — licenses: Payment Institution, NL, DNB

2 license numbers and 2 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/shine#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=shine&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/shine

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)