Card fraud in France reached its lowest level in history in 2025, with just 47 euros of fraud reported for every 100,000 euros of payments, according to the Observatory on the Security of Payment Methods. This marks a significant decrease in traditional forms of fraud, such as unauthorized card use. However, a new and growing threat has emerged: manipulation fraud. This type of fraud involves scammers tricking victims into authorizing fraudulent transactions themselves, often through phishing or deceptive phone calls. In 2025, manipulation fraud reached 516 million euros, a 34% increase from the previous year, and now accounts for 41.6% of all fraud. This rise is largely due to transfers, which saw 376 million euros in fraud, up 54%, while credit card fraud remained stable. Scriptural payments—covering credit card transactions, transfers, direct debits, and checks—reached a total of 36.264 billion euros in 2025, representing a 4.2% increase compared to 2024. The volume of these transactions also rose, with 35.6 billion operations recorded, a 5.5% increase. Transfers dominate in terms of value, making up 89% of all scriptural payments, while credit cards remain the most commonly used payment method among French consumers, accounting for 62.7% of transactions. Mobile payments are also growing in popularity, with nearly 20% of card payments at merchants now being made using a smartphone. Despite the overall increase in fraud amounts, which reached 1.24 billion euros—a 3.8% rise—there was a notable decrease in the number of fraudulent operations, down to 7.2 million, a 7.6% drop. Traditional card fraud reached its lowest level, with 91% of fraudulent operations involving card payments, totaling 475 million euros, a decrease of 8.6% compared to the previous year. Online payment fraud also saw a decline, with 12 euros of fraud reported for every 100,000 euros spent, down from 15 euros in the prior year. The Observatory on the Security of Payment Methods attributes the rise in manipulation fraud to data leaks that enable scammers to gather personal information and appear more credible when contacting victims. To combat this growing threat, the Observatory is calling for stronger collaboration with the telecommunications sector, the development of a cooperation plan with digital platforms such as social networks, and the continuous improvement of fraud prevention tools by banks. The Observatory also emphasizes the importance of raising public awareness about the risks of sharing sensitive data during phishing attempts and educating users on how to respond to suspicious phone calls.