Traveling to France later this year? You could be paying for your next croissant with Apple Pay.

French site LesEchos reports that the service will arrive in the country before the end of the year, but the launch may happen over several months. Apple Pay could be available for some French banks in September though negotiations are apparently moving pretty slowly.

The main issue seems to be how Apple and the banks split each transaction fee. Normally a bank gets roughly nine cents for each payment, and in the U.S., five cents of that goes to Apple. The French banks apparently want a better deal. They’ve apparently pointed to China, where the Cupertino company reportedly agreed to take a smaller cut in similar negotiations.

None of this should affect the experience of using Apple Pay once it actually launches in France, but it does explain why the mobile payment app still isn’t available in the country.