BPCE DEVELOPER PORTAL - 89C3 API

Version History

➤ STET specifications

This REST-based API is compliant with the STET standard 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 Crédit Coopératif savings banks network.

dsp2

As a reminder :

payment services directive (PSD2, (UE) 2015/2366 of 25/11/2015) went into force on january 13, 2018 : http://eur-lex.europa.eu/legal-content/FR/TXT/?uri=CELEX:32015L2366
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/FR/TXT/?toc=OJ%3AL%3A2018%3A069%3ATOC&uri=uriserv%3AOJ.L_.2018.069.01.0023.01.FRA

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

Our API version	STET standard version
v1	v1.4.0.47
v1.4.2	V1.4.2.17

You can consult the virtual assistant Assistant virtuel on this portal.

➤ 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 :

API deprecation UK4

➤ Release notes

Important changes made since the first version was delivered :

Method(s)	Effective date	Description of the evolution
POST/paymentRequest GET/paymentRequest	May 17, 2019	Portal documentation : addition of clarification about the mandatory or optional nature of parameters and fields of requests.
Fallback	July 26, 2019	Portal documentation : insert Fallback use case
Roadmap	September 18, 2019	Portal documentation description of new sandbox features (UX) details on Eligibility (OID, certificates, Go Live) various editorial minor changes
All	December 21, 2020	Portal documentation : add a new access point url / "limitations" section add "one SCA" PISP transaction / "How to test the API" section add "Cancel a payment request initiation" / use case return debtor account reject of CASH PISP if SCA is not made using Secur'Pass and creditor IBAN in not registered previously switch payment status to NOAS if PSU has not confirmed within 30 mns after PISP request
All	June 30, 2021	Switch to STET V1.4.2 & new features linked to this version : Instant Payments for B2B segment Recurring payment Creditor BIC mandated Clarification on cut-off
Payment Initiation Roadmap	September 13, 2021	SCT Core activation for ENT Segment Note on urgent changes out of regulatory notice period
Payment Initiation	January 03, 2022	BIC not mandated anymore (excl'd non eurozone) + precision for pkce + new TurboSign physical token SCA
PIS used case & Limitations	April 1st, 2022	Additional information on ENT PSU, PSU inactivity timeout, PIS requests having identical parameters, min/max amounts