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Certyneo
Annual Report — 2026 Edition

The State of Electronic Signature in France — 2026 Report

An overview of the French and European market: the eIDAS 2.0 regulatory framework, the rollout of the EUDI wallet, usage by sector, persistent barriers and the outlook for 2026-2027. A reference document for executives, lawyers, CIOs and operational teams driving the digitisation of their contracts.

The first part of the book

2026 marks a turning point for electronic signatures in Europe. After more than twenty-five years of legal recognition in France (Act of 13 March 2000, article 1367 of the Civil Code), digital contracts have become everyday practice, and the advanced electronic signature (AES) has become the norm for high-stakes commercial contracts.

Yet this year is not like any other. Three major movements are converging. First, the application of eIDAS 2.0 regulation, adopted in 2024, which introduces the European digital identity wallet (EUDI Wallet) and redefines the conditions for qualified signature (QES). Second, the democratisation of QES, which slowly emerges from the sphere of notaries and public procurement to become accessible to all enterprises through mutualised qualified trust service providers. Finally, the emergence of AI in the contractual chain — from clause drafting to post-signature verification — which reconfigures uses and calls for new vigilance on personal data protection.

For businesses, the benefits are tangible: on the Certyneo platform, half of all remote signatures arrive within 35 minutes of sending, whereas a registered letter with proof of delivery costs €7.56 at La Poste's public price, before printing and delivery time. Add to this a digital evidence file that is more robust than paper and GDPR compliance when the platform is hosted in the EU. Barriers remain, however (perceived legal risk, complexity for external signers, hosting sovereignty), and this report documents them honestly.

This document is aimed at executives deciding on a rollout, lawyers securing processes, CIOs integrating signatures into their information systems, and operational teams (sales, HR, legal, purchasing) who sign documents every day. It may be freely reproduced provided it is credited. Every figure is either taken from a cited public source or measured on the Certyneo platform with its base and period; none is estimated.

We address in turn the market's key figures, the evolution of the regulatory framework, sectoral adoption dynamics, trends over the next 18–24 months, persistent barriers, criteria for choosing a solution, Certyneo's positioning, and our outlook for 2027.

Key figures

Every figure below is either taken from a legal text or public price list, or measured on the Certyneo platform with its base and period. None is an estimate.

35 min

Median time between sending a signature request and the signature

Source: Certyneo 2026 Barometer, measured on 388 remote signatures (invitations sent from 17 April to 26 September 2026)

A quarter of signatures arrive in under 4 minutes, another quarter after more than 15 hours.

€7.56

Price of a registered letter with proof of delivery (20 g)

Source: La Poste, prices from 1 January 2026: R1 registered letter €6.11 + proof of delivery €1.45

Excluding printing, envelope, preparation time and paper archiving.

42 %

Share of remote signatures made on a smartphone

Source: Certyneo 2026 Barometer, 163 signatures out of 388

Median time on a smartphone: 27 minutes, against 49 minutes on a computer.

27

EU Member States covered by the eIDAS Regulation

Source: Regulation (EU) No 910/2014 and eIDAS 2.0 revision (2024)

3 levels

SES, AES, QES — the three eIDAS levels

Source: eIDAS Regulation, Articles 25 to 34

10 years

Retention period for a contract concluded online with a consumer, from €120

Source: French Consumer Code, articles L213-1, D213-1 and D213-2

Not to be confused with the general limitation period of 5 years (article 2224 of the French Civil Code).

Regulatory evolution 2024–2026

eIDAS 2.0: the 2024 revision

Adopted in April 2024 and in force the same year, the eIDAS 2.0 regulation (Regulation (EU) 2024/1183) substantially amends Regulation (EU) 910/2014. It keeps the three historical levels — simple (SES), advanced (AES) and qualified (QES) electronic signatures — but introduces the European Digital Identity Wallet (EUDI Wallet). Every member state must offer its citizens, by 24 December 2026 at the latest, a compliant wallet for identifying themselves and signing at QES level.

The European EUDI Wallet

Concretely, the wallet takes the form of a certified mobile application, which contains the citizen's digital identity, their verified attributes (qualifications, driving licences, professional cards) and native QES signing capacity. It operates on the OpenID for Verifiable Credentials standard. For businesses, this means that from 2026-2027 onwards, a signer will be able to sign a contract at QES level without purchasing an individual certificate or acquiring specific equipment — their smartphone is sufficient.

ANSSI frameworks and sovereignty

In France, ANSSI publishes the requirement frameworks applicable to trust service providers (PSCO, PSCE) and issues qualifications. The main frameworks — RGS, PVID, First-level security certification — align with European ETSI standards (EN 319 401, EN 319 411, EN 319 421). The SecNumCloud label, required by the "Cloud at the centre" doctrine, conditions the use of cloud platforms for administrations and OIV (vital importance operators).

Alignment with French law

At the national level, Article 1367 of the Civil Code — introduced by the law of 13 March 2000 and amended by the ordinance of 10 February 2016 — recognises electronic signature as having the same value as handwritten signature, provided the signatory is reliably identified and the document's integrity is ensured. Decree No. 2017-1416 of 28 September 2017 specifies the conditions for the presumption of reliability reserved for QES. Article 1366 of the Civil Code, for its part, admits electronic writing as evidence.

Usage by sector

A qualitative reading, without figures: which documents each sector signs electronically and at which eIDAS level. No representative source measures adoption by sector in France, so we publish no rates.

Real estate

Use cases: Mandates, agreements in principle, commercial leases, property inspections, amendments.

Practices: Common for mandates and leases. AES preferred for leases; the final deed of sale is still executed before a notary.

Human resources

Use cases: Employment contracts, amendments, termination agreements, associated DPAE.

Practices: AES with a one-time SMS code is common for employment contracts; integrations with HR information systems are becoming widespread.

Finance & insurance

Use cases: Product subscriptions, management mandates, amendments, powers of attorney.

Practices: Know-your-customer (KYC) requirements supervised by the ACPR: AES or QES depending on the product. Highly industrialised processes.

Legal

Use cases: NDAs, settlement agreements, mandates, fee agreements.

Practices: Law firms favour AES for private agreements; QES remains rare outside notarial deeds.

Healthcare

Use cases: Consents, cooperation agreements, supplier contracts.

Practices: Strict requirements for health data hosting (HDS) and from the CNIL; used mainly for supplier contracts and agreements.

Public sector

Use cases: Public procurement, deliberations, subsidy agreements.

Practices: When a public procurement contract is signed electronically, the order of 22 March 2019 requires at least an advanced signature based on a qualified certificate. FranceConnect+ and the upcoming EUDI wallet make identification easier.

2026-2027 trends

Six major movements will structure the market over the next eighteen months.

Deployment of the European EUDI Wallet

Every member state must offer at least one wallet by 24 December 2026 at the latest (Regulation 2024/1183, art. 5a). It will let every citizen sign at QES level from their smartphone, with a high eIDAS identity assurance level.

Democratisation of qualified signature (QES)

QES, long reserved for notaries and public procurement, becomes accessible via pooled QTSPs and future identity wallets. Entry barrier (cost, UX) falling sharply.

AI applied to contract review

Automatic clause analysis, key date extraction, risk detection: AI enters the loop upstream of signature. Vigilance is required on personal data processing and accountability.

Standardisation of integrations

E-signature platforms converge towards REST APIs, webhooks and native connectors (Zapier, Make, HubSpot, Salesforce, Slack). Integration costs for an SME are collapsing.

European sovereignty and hosting

European buyers — particularly public and regulated ones — increasingly demand EU hosting, GDPR-by-design compliance and independence from the American Cloud Act.

Mobile-first signature

On the Certyneo platform, 42 % of remote signatures are made on a smartphone, where people sign faster than on a computer (median of 27 minutes against 49). A flow designed for the computer first penalises those signers.

To learn more about market developments: Electronic signature trends in 2025

Adoption barriers

An honest report cannot simply celebrate successes. Here are the obstacles we observe most frequently — including among prospects who end up abandoning digitalisation.

Perception of legal risk

Despite twenty-five years of legal recognition (law of 13 March 2000, Article 1367 of the Civil Code, eIDAS regulation), some legal departments retain suspicion towards SES. The reflex "handwritten signature = safer" persists, even though electronic audit trail is objectively more robust than ink.

Security and sovereignty concerns

Chief Information Security Officers rightfully demand guarantees on hosting, encryption, evidence retention, and data portability. Platforms that do not publicly document their architecture or depend on extra-European cloud infrastructure are immediately disqualified from sensitive tender processes.

Perceived Complexity and UX

External signatories — clients, partners, candidates — are not intended to create an account. Platforms that require registration, application download, or a journey exceeding three screens cause completion rates to drop significantly.

Total Cost of Ownership

Beyond the advertised price per signature, the actual cost includes licences, SMS OTP volumes, bespoke integrations, and long-term archiving. Opaque pricing structures slow down decision-making, particularly for SMEs.

Lack of Internal Governance

Without a clear signature policy (who can sign what, with what eIDAS level, with what approval workflow), rollout remains anecdotal. The barrier is as much cultural and organisational as technical.

How to Choose Your Solution Well

Six criteria are sufficient to disqualify the majority of offerings and converge towards an informed choice. We recommend adopting them exactly as stated in your specifications document.

Documented eIDAS Compliance

Require the precise list of supported levels (SES, AES, QES), identification of the trust service provider (or partner QTSP), and publication of the audit trail included in each signed document.

Hosting and Sovereignty

France or European Union preferred, with contractual commitment to no extra-EU data transfer. Verify the hosting provider (OVH, Scaleway, AWS EU with explicit EU region), ISO 27001 certification, and HDS for healthcare.

Native Integrations and API

Standard webhooks (`envelope.sent`, `recipient.signed`, `envelope.completed`), documented REST API (OpenAPI), Zapier / Make / HubSpot / Salesforce / Slack connectors. Without integrations, signing remains a silo.

Clear Pricing Model

Favour fixed-price plans per user or per envelope, with clear included thresholds. Beware of hidden surcharges (SMS OTP, long-term archiving, exports).

External Signatory UX

Test the accountless journey: average signing time, mobile accessibility, clarity of instructions, refusal handling. A good indicator: fewer than 3 clicks for an already-identified signatory.

Multi-Language and Internationalisation

French, English, Spanish, German, Italian at minimum if your activity is European. Localisation of emails and the signatory interface is key to completion rates.

Certyneo Positioning

In the interest of transparency—since this report is published by Certyneo—we clarify here what we offer, what we do not yet offer, and what sets us apart.

What We Offer

  • Electronic signature SES, AES and QES — the three eIDAS levels natively. AES with an SMS OTP code, QES per act (€14.90 without a subscription, €9.90 with one) via a qualified QTSP from the EU trust list. Timestamped audit trail embedded in PDF, 10-year archiving.
  • Hosting in the European Union, GDPR by design, no non-European dependency on signed data.
  • Native integrations: Slack, HubSpot, Salesforce, Zapier, plus a documented REST API (OpenAPI).
  • Multi-language: French, English, Spanish, German, Italian—signatory interface and emails.
  • Free plan (5 envelopes for 14 days, then 2/mo) with no credit card required, Standard and Business plans for teams.

What We Do Not Yet Offer

  • EUDI Wallet integration: planned as soon as the first national wallets become available in production.
  • SecNumCloud certification: not a priority at this stage; we will assess based on public sector customer demand.

Our Differentiators

  • Complete transparency: public changelog, public roadmap, open API documentation, audit trail readable by any signatory.
  • Account-free signer UX: 3 clicks at most, mobile-optimised, available in 24 languages.
  • Public pricing grid, no hidden surcharges on SMS OTP (included in AES plans).
  • Responsive French-speaking support from France.

Conclusion and Outlook

Electronic signatures have become an ordinary contracting tool. On the Certyneo platform, half of all remote signatures arrive within 35 minutes and 42 % are made on a smartphone; the legal framework, for its part, has been stable since 2016 and is being extended by eIDAS 2.0. We put no figure on the size or growth of the market: no representative public source allows it.

Three priorities emerge for the next eighteen months. First, anticipate the arrival of the EUDI wallet: enterprises equipping themselves today with an eIDAS-compliant and extensible solution will not suffer costly migration when QES becomes widespread. Second, consolidate internal governance: a clear signature policy, broken down by contract type and stakes level, remains the main success factor — more so than the choice of tool itself. Finally, integrate signature into business processes rather than extracting it from them: value is created in workflows (CRM, HRIS, procurement, legal), not in the isolated platform.

Looking ahead to 2027, we put forward three hypotheses, which are opinions rather than measurements: QES will gain ground on high-stakes contracts as EUDI wallets become available; AI will be built into contract review, under specific regulation (AI Act); and European sovereignty — EU hosting, independence from the US Cloud Act — will weigh more heavily in B2B tenders.

Electronic signature is no longer an IT project. It has become a contractual infrastructure. Organisations that treat it as such—with the rigour, governance, and permanence accorded to infrastructure—derive the greatest benefit from it.

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Sources & Methodology

  • eIDAS Regulation — Regulation (EU) No. 910/2014 and its eIDAS 2.0 revision (regulation (EU) 2024/1183).
  • Civil Code— Articles 1366 and 1367; Decree No 2017-1416 of 28 September 2017.
  • French Consumer Code — articles L213-1, D213-1 and D213-2 (retention of contracts concluded electronically).
  • ANSSI— RGS, PVID reference frameworks and trust service provider qualification guides.
  • ETSI (European Telecommunications Standards Institute) — standards EN 319 401, EN 319 411, EN 319 421.
  • La Poste — registered mail price list from 1 January 2026.
  • Certyneo 2026 Barometer — aggregated measurements from the Certyneo platform: 388 remote signatures, invitations sent from 17 April to 26 September 2026. Method, query and raw data (CSV, CC BY 4.0) published with the study.

This report is published under an open licence (citation required, no full reproduction without permission). For any citation, interview, or press inquiry, contact our press team.

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