Version history
➤ STET Compliance
This REST-based API is compliant with the STET specifications developed by the French market initiative (https://www.stet.eu/en/psd2/) 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), and five orders that were published on August 31, 2017.
You can also refer to the FAQ section and the virtual assistant about STET specifications.
➤ Description of TPP 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 :
➤ Release Notes
Important changes made since the first version of this documentation was published :
Method(s) | Effective date | Description of the evolution |
All | October 30, 2020 | See all previous evolutions on Version V1 API |
All GET /accounts/../transactions | December 21, 2020 | Add a new entry point / "limitations" section Status change from "PDNG" to "OTHR" |
All | January 28, 2021 | Add new customer segments / "limitations" section |
GET /accounts/../transactions | February 03, 2021 | Add optional STET data "entryReference" / "limitations" section & "get transactions history" use case |
GET /accounts/../transactions | September 14, 2021 | Add optional STET data "BankTranscationCode" / "get transactions history" use case |
GET /accounts/../transactions Fallback Refresh the access Token | September 29, 2021 | Add optional STET data "bankTransactionCode" (for ENT & CORP) Add impacts of the new online banking solution Add a note on revocation process |
Roadmap | October 30th, 2021 | Note on urgent changes out of regulatory notice period |
All | January 3rd, 2022 | Editorial issues and SCA updates |
Overview | August 28, 2022 | Editorial issues and App2App updates |