➤ STET Compliance

This REST-based API is compliant with the STET specifications developed by the French market initiative (https://www.stet.eu/en/psd2/), version V1.4.2.17, in order to comply with PSD2 regulatory requirements. It takes into account functional limitations specific to this retail bank network (see use case "Limitations").

As a reminder : 

• payment services directive (PSD2, (UE) 2015/2366 of 25/11/2015) went into force on january 13, 2018:
  • https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32015L2366
• it is supplemented by regulatory technical standards for strong customer authentication (RTS, Commission Delegated Regulation (EU) No 2018/389) and common and secure open standards of communication that will apply on september14, 2019. These standards are called RTS (Rules Technical Standards) :
  • https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32018R0389

In France, the ordinance n° 2017-1252 of August 9, 2017 implements the PSD2 directive into the regulatory section of the monetary and financial code. This ordinance has been supplemented by two decrees (n° 2017-1313 and n° 2017-1314 on August 31, 2017), and five orders that were published on August 31, 2017

You can also consult the virtual assistant on this portal.

➤ Description of user support + duration of support

According to Article 30 (5) of the RTS, a support for third-party providers is available. This support can be joined via the form on this 89C3 API portal (https://www.api.89c3.com/en/contact-us). Responses are sent during office opening hours (09:00 - 18:00 Central European local Time) even so a 24h/7d monitoring process of our IT systems exists. 

Its general principle is shown below, taking into account delays of Article 30 (4) of the RTS :

➤ API versioning

You can consult the virtual assistant about the STET standard.

➤ Important changes made since the first version delivered