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Certyneo
Annual report — 2026 edition

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.

Introduction

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 converge. 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 democratization of QES, which slowly exits the sphere of notaries and public procurement to become accessible to all companies through pooled trust service providers. Finally, the emergence of AI in the contractual chain — from clause drafting to post-signature verification — which reconfigures usage patterns 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 regulatory evolution, sector-level adoption dynamics, 18-24-month trends, persistent barriers, selection criteria for 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

In concrete terms, the wallet takes the form of a certified mobile app that holds the citizen's digital identity, verified attributes (diplomas, licences, professional cards) and a native QES signing capability. It runs on the OpenID for Verifiable Credentials standard. For companies, this means that from 2026-2027 a signer will be able to sign a contract at QES level without buying an individual certificate or acquiring a specific device — their smartphone will be enough.

ANSSI frameworks and sovereignty

In France, ANSSI publishes the reference frameworks applicable to trust-service providers (PSCO, PSCE) and delivers qualifications. The main frameworks — RGS, PVID, First-Level Security Certification — articulate with European ETSI standards (EN 319 401, EN 319 411, EN 319 421). The SecNumCloud label, required by the "Cloud at the centre" doctrine, governs the use of cloud platforms for administrations and OIV (operators of vital importance).

Articulation with French law

At the national level, article 1367 of the Civil Code — introduced by the law of March 13, 2000 and amended by the ordinance of February 10, 2016 — grants electronic signature the same value as handwritten signature, subject to reliable identification of the signer and document integrity. Decree no. 2017-1416 of September 28, 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: Sale mandates, preliminary agreements, commercial leases, inventory of fixtures, 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, contractual terminations, associated DPAE filings.

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, grant 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 underlying movements will shape the market over the next eighteen months.

EUDI Wallet rollout

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, is becoming accessible via shared QTSPs and the future identity wallets. Entry barriers (cost, UX) are falling sharply.

AI applied to contract review

Automatic clause analysis, key-date extraction, risk detection: AI is entering the loop upstream of signing. Caution is required on personal-data processing and accountability.

Integration standardisation

E-signature platforms are converging on REST APIs, webhooks and native connectors (Zapier, Make, HubSpot, Salesforce, Slack). Integration cost for SMEs is collapsing.

European sovereignty and hosting

European buyers — especially public and regulated ones — increasingly require EU hosting, GDPR-by-design compliance and independence from the US Cloud Act.

Mobile-first signing

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.

For a deeper look at market developments: Trends in electronic signature in 2025

Barriers to adoption

An honest report cannot be limited to celebrating success stories. Here are the obstacles we observe most frequently — including among prospects who ultimately give up on dematerialisation.

Perception of legal risk

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

Security and sovereignty concerns

CIOs legitimately demand guarantees on hosting, encryption, evidence retention and data portability. Platforms that do not publicly document their architecture or depend on an extra-European cloud are disqualified outright from sensitive tenders.

Perceived complexity and UX

External signers — clients, partners, candidates — shouldn't have to create an account. Platforms requiring sign-up, app download or a journey of more than three screens cause completion rates to drop.

Total cost of ownership

Beyond the posted per-signature price, real cost includes licences, SMS OTP volumes, bespoke integrations and long-term archiving. Opaque pricing grids slow decisions, particularly for SMEs.

Lack of internal governance

Without a clear signing policy (who can sign what, at which eIDAS level, with which approval workflow), deployment remains anecdotal. The obstacle is cultural and organisational as much as technical.

How to choose a solution wisely

Six criteria are enough to disqualify most offerings and converge on an informed choice. We recommend using them as-is in your RFP.

Documented eIDAS compliance

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

Hosting and sovereignty

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

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.

Readable pricing model

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

External-signer UX

Test the no-account journey: average signing time, mobile accessibility, clarity of instructions, handling of refusals. A good indicator: fewer than 3 clicks for an already-identified signer.

Multi-language and internationalisation

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

Certyneo positioning

In the interests of transparency — since this report is published by Certyneo — we specify here what we offer, what we don't 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 — signer 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 don't offer yet

  • EUDI Wallet integration: planned as soon as the first national wallets are available in production.
  • SecNumCloud certification: not prioritised at this stage; we'll evaluate based on demand from public-sector customers.

Our differentiators

  • Full transparency: public changelog, public roadmap, open API documentation, audit trail readable by every signer.
  • Account-free signer UX: 3 clicks at most, mobile-optimised, available in 24 languages.
  • Public pricing grid, no hidden surcharge on SMS OTPs (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: companies equipping themselves today with an eIDAS-compliant and extensible solution will not suffer costly migration when QES becomes democratized. Second, strengthen internal governance: a clear signature policy, broken down by contract type and level of importance, remains the main success factor — more so than the choice of tool itself. Finally, integrate signature into business processes rather than extract 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 durability given to infrastructure — get the most out of 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 and PVID frameworks plus trust-service-provider qualification guides.
  • ETSI (European Telecommunications Standards Institute) — EN 319 401, EN 319 411, EN 319 421 standards.
  • 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 a free licence (citation required, no full reproduction without agreement). For any citation, interview or press request, contact our press room.

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