Banque BCP – Funds Availability

How to reduce your risk ?

You, as a Third Party Provider (TPP), delivered to a customer a private labeled payment card linked to his bank account. The customer (PSU) is performing a transaction on an e-commerce site with it. The customer has previously given a consent to your entity as well as to his bank account holder.

Using API “Funds availability” setup by banks (ASPSP), you can request for real-time transaction amount coverage data authorized by the customer without asking for online banking credentials. You can then reduce your risk for overdue payments.

The bank will respond yes or no without any funds blockage corresponding to the transaction amount, neither any validation of this transaction.

The API resources can only be consumed if you have obtained the Card Based Payment Instrument Issuer (“CBPII” or “PIISP”) role status. This prerequisite is described in section “Eligibility”.

Once done, the overall process is as follows :

1- The customer agreed to use your service. He needs to select his ASPSP through your interface.

2- During the first set of data exchanges, you will request for an authorization token (and a refresh one). For this CBPII role, you need these tokens BEFORE consuming API resources. These tokens are issued by the ASPSP AFTER an identification and authorization process of the bank accound holder.

The ASPSP will :

• check your certificates and on-going agreement delivered by the Comptent Authority ;
• identify and authorize the customer using the “redirect” mode in order to issue the tokens.

3- If the above access is granted by the customer, you can then get these OAUTH2 tokens thru secure exchanges (see use case “Get your token“).

4- Whenever you present this token to the BPCE API gateway, you will be able to consume this API resources (see use case “Check funds availability“). 

If the regulated 180-day token validity period expires, this process needs to be started again (see use case “Refresh your token“).

NB : any ASPSP can refuse the access to customer’s data fo rany justified reason (non compliant API call, blocked account, …).

Regulatory publications

/stet/psd2/v1/accounts/{accountResourceId}/balances

accountsBalance

ABSTRACT

Retrieval of an account balances report (AISP)

DESCRIPTION

This call returns a set of balances for a given PSU account that is specified by the AISP through an account resource Identification

• The ASPSP must provide at least the accounting balance on the account.
• The ASPSP can provide other balance restitutions, e.g. instant balance, as well, if possible.
• Actually, from the PSD2 perspective, any other balances that are provided through the Web-Banking service of the ASPSP must also be provided by this ASPSP through the API.

Prerequisites

• The TPP has been registered by the Registration Authority for the AISP role
• The TPP and the PSU have a contract that has been enrolled by the ASPSP
  • At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
• The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
• The TPP has previously retrieved the list of available accounts for the PSU

Business flow

The AISP requests the ASPSP on one of the PSU’s accounts. The ASPSP answers by providing a list of balances on this account.

• The ASPSP must provide at least the accounting balance on the account.
• The ASPSP can provide other balance restitutions, e.g. instant balance, as well, if possible.
• Actually, from the PSD2 perspective, any other balances that are provided through the Web-Banking service of the ASPSP must also be provided by this ASPSP through the API.

Scopes

• piisp
• extended_transaction_history
• aisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1/accounts

accounts

ABSTRACT

Retrieval of the PSU accounts (AISP)

DESCRIPTION

This call returns all payment accounts that are relevant the PSU on behalf of whom the AISP is connected. Thanks to HYPERMEDIA, each account is returned with the links aiming to ease access to the relevant transactions and balances. The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results.

Prerequisites

• The TPP has been registered by the Registration Authority for the AISP role.
• The TPP and the PSU have a contract that has been enrolled by the ASPSP
  • At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
• The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.

Business Flow

The TPP sends a request to the ASPSP for retrieving the list of the PSU payment accounts. The ASPSP computes the relevant PSU accounts and builds the answer as an accounts list. The result may be subject to pagination in order to avoid an excessive result set. Each payment account will be provided with its characteristics.

Scopes

• aisp
• extended_transaction_history
• piisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1/accounts/{accountResourceId}/transactions

accountsTransactions

ABSTRACT

Retrieval of an account transaction set (AISP)

DESCRIPTION

This call returns transactions for an account for a given PSU account that is specified by the AISP through an account resource identification. The request may use some filter parameter in order to restrict the query

• on a given imputation date range
• past a given incremental technical identification

The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results.

Prerequisites

• The TPP has been registered by the Registration Authority for the AISP role
• The TPP and the PSU have a contract that has been enrolled by the ASPSP
  • At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) is any.
• The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
• The TPP has previously retrieved the list of available accounts for the PSU

Business flow

The AISP requests the ASPSP on one of the PSU’s accounts. It may specify some selection criteria. The ASPSP answers by a set of transactions that matches the query. The result may be subject to pagination in order to avoid an excessive result set.

SCOPES

• extended_transaction_history
• piisp
• aisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1/consents

consents

ABSTRACT

Forwarding the PSU consent (AISP)

DESCRIPTION

In the mixed detailed consent on accounts

• the AISP captures the consent of the PSU
• then it forwards this consent to the ASPSP

This consent replaces any prior consent that was previously sent by the AISP.

Prerequisites

• The TPP has been registered by the Registration Authority for the AISP role.
• The TPP and the PSU have a contract that has been enrolled by the ASPSP
  • At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
• The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.

Business Flow

The PSU specifies to the AISP which of his/her accounts will be accessible and which functionalities should be available. The AISP forwards these settings to the ASPSP. The ASPSP answers by HTTP201 return code.

SCOPES

• piisp
• aisp
• extended_transaction_history

PARAMETERS

RETURN CODES

INPUT

application/json

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1/funds-confirmations

fundsConfirmations

ABSTRACT

Payment coverage check request (PIISP)

DESCRIPTION

The PIISP can ask an ASPSP to check if a given amount can be covered by the liquidity that is available on a PSU cash account or payment card.

Prerequisites

• The TPP has been registered by the Registration Authority for the PIISP role
• The TPP and the PSU have a contract that has been registered by the ASPSP
  • At this step, the ASPSP has delivered an “Authorization Code”, a “Resource Owner Password” or a “Client Credential” OAUTH2 access token to the TPP (cf. § 3.4.2).
  • Each ASPSP has to implement either the “Authorization Code”/”Resource Owner Password” or the “Client Credential” OAUTH2 access token model.
  • Doing this, it will edit the [security] section on this path in order to specify which model it has chosen
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU.

Business flow

The PIISP requests the ASPSP for a payment coverage check against either a bank account or a card primary identifier.
The ASPSP answers with a structure embedding the original request and the result as a Boolean.

SCOPES

• extended_transaction_history
• piisp
• aisp

PARAMETERS

Codes retour

INPUT

application/json

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1/trusted-beneficiaries

trustedBeneficiaries

ABSTRACT

Retrieval of the trusted beneficiaries list (AISP)

DESCRIPTION

This call returns all trusted beneficiaries that have been set by the PSU. Those beneficiaries can benefit from an SCA exemption during payment initiation. The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results.

Prerequisites

• The TPP has been registered by the Registration Authority for the AISP role.
• The TPP and the PSU have a contract that has been enrolled by the ASPSP
  • At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
• The TPP and the ASPSP have successfully processed a mutual check and authentication
• The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
• The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.

Business Flow

The AISP asks for the trusted beneficiaries list. The ASPSP answers with a list of beneficiary details structure.

Scopes

• extended_transaction_history
• aisp
• piisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/accounts/{accountResourceId}/balances

accountsBalances

ABSTRACT

Retrieval of an account balances report (AISP)

DESCRIPTION

This call returns a set of balances for a given PSU account that is specified by the AISP through an account resource Identification
– The TPP has been registered by the Registration Authority for the AISP role
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication
– The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
– The TPP has previously retrieved the list of available accounts for the PSU
The AISP requests the ASPSP on one of the PSU’s accounts.
The ASPSP answers by providing a list of balances on this account. – The ASPSP must provide at least the accounting balance on the account. – The ASPSP can provide other balance restitutions, e.g. instant balance, as well, if possible. – Actually, from the PSD2 perspective, any other balances that are provided through the Web-Banking service of the ASPSP must also be provided by this ASPSP through the API.

Scopes

• aisp
• extended_transaction_history
• cbpii

PARAMETERS

Codes retour

INPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/accounts

accounts

ABSTRACT

Retrieval of the PSU accounts (AISP)

DESCRIPTION

This call returns all payment accounts that are relevant the PSU on behalf of whom the AISP is connected.
Thanks to HYPERMEDIA, each account is returned with the links aiming to ease access to the relevant transactions and balances.
The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results. – The TPP has been registered by the Registration Authority for the AISP role.
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication
– The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP. The TPP sends a request to the ASPSP for retrieving the list of the PSU payment accounts.
The ASPSP computes the relevant PSU accounts and builds the answer as an accounts list. The result may be subject to pagination in order to avoid an excessive result set. Each payment account will be provided with its characteristics.

Scopes

• extended_transaction_history
• cbpii
• aisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/accounts/{accountResourceId}/transactions

accountsTransactions

ABSTRACT

Retrieval of an account transaction set (AISP)

DESCRIPTION

This call returns transactions for an account for a given PSU account that is specified by the AISP through an account resource identification.
The request may use some filter parameter in order to restrict the query – on a given imputation date range – past a given incremental technical identification
The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results.
– The TPP has been registered by the Registration Authority for the AISP role
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication – The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) is any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
– The TPP has previously retrieved the list of available accounts for the PSU
The AISP requests the ASPSP on one of the PSU’s accounts. It may specify some selection criteria.
The ASPSP answers by a set of transactions that matches the query. The result may be subject to pagination in order to avoid an excessive result set.
The default transaction set, in the absence of filter query parameter, has to be specified and documented by the implementation.

Scopes

• extended_transaction_history
• cbpii
• aisp

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/consents

consents

ABSTRACT

Forwarding the PSU consent (AISP)

DESCRIPTION

In the mixed detailed consent on accounts
– the AISP captures the consent of the PSU
– then it forwards this consent to the ASPSP
This consent replaces any prior consent that was previously sent by the AISP.
– The TPP has been registered by the Registration Authority for the AISP role.
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication
– The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
The PSU specifies to the AISP which of his/her accounts will be accessible and which functionalities should be available.
The AISP forwards these settings to the ASPSP.
The ASPSP answers by HTTP201 return code.

Scopes

• extended_transaction_history
• cbpii
• aisp

PARAMETERS

RETURN CODES

INPUT

application/json

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/end-user-identity

endUserIdentity

ABSTRACT

Retrieval of the identity of the end-user (AISP)

DESCRIPTION

This call returns the identity of the PSU (end-user).
– The TPP has been registered by the Registration Authority for the AISP role.
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication
– The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP. The AISP asks for the identity of the PSU. The ASPSP answers with the identity, i.e. first and last names of the end-user.

Scopes

• aisp
• cbpii
• extended_transaction_history

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/funds-confirmations

fundsConfirmations

ABSTRACT

Payment coverage check request (CBPII)

DESCRIPTION

The CBPII can ask an ASPSP to check if a given amount can be covered by the liquidity that is available on a PSU cash account or payment card.
– The TPP has been registered by the Registration Authority for the CBPII role
– The TPP and the PSU have a contract that has been registered by the ASPSP – At this step, the ASPSP has delivered an “Authorization Code”, a “Resource Owner Password” or a “Client Credential” OAUTH2 access token to the TPP (cf. § 3.4.2). – Each ASPSP has to implement either the “Authorization Code”/”Resource Owner Password” or the “Client Credential” OAUTH2 access token model. – Doing this, it will edit the [security] section on this path in order to specify which model it has chosen
– The TPP and the ASPSP have successfully processed a mutual check and authentication – The TPP has presented its OAUTH2 “Authorization Code”, “Resource Owner Password” or “Client Credential” access token which allows the ASPSP to identify the relevant PSU.
The CBPII requests the ASPSP for a payment coverage check against either a bank account or a card primary identifier.
The ASPSP answers with a structure embedding the original request and the result as a Boolean.

Scopes

• cbpii
• extended_transaction_history
• aisp

PARAMETERS

Codes retour

INPUT

application/json

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/payment-requests/{paymentRequestResourceId}/o-confirmation

paymentRequestOConfirmation

ABSTRACT

Confirmation of a payment request or a modification request using an OAUTH2 Authorization code grant (PISP)

DESCRIPTION

The PISP confirms one of the following requests or modifications:
– payment request on behalf of a merchant
– transfer request on behalf of the account’s owner
– standing-order request on behalf of the account’s owner
The ASPSP answers with a status of the relevant request and the subsequent Credit Transfer. – The TPP has been registered by the Registration Authority for the PISP role
– The TPP was provided with an OAUTH2 “Client Credential” access token by the ASPSP (cf. § 3.4.2).
– The TPP has previously posted a Request which has been saved by the ASPSP (cf. § 4.5.3) – The ASPSP has answered with a location link to the saved Payment Request (cf. § 4.5.4) – The TPP has retrieved the saved request in order to get the relevant resource Ids (cf. § 4.6).
– The PSU has been authenticated by the ASPSP through an OAUTH2 authorization code grant flow (REDIRECT approach) and the PISP got the relevant token
– The TPP and the ASPSP have successfully processed a mutual check and authentication – The TPP has presented its “OAUTH2 Authorization Code” access token Once the PSU has been authenticated through an OAUTH2 authorization code grant flow (REDIRECT approach), it is the due to the PISP to confirm the Request to the ASPSP in order to complete the process flow.
The ASPSP must wait for confirmation before executing the subsequent Credit Tranfer.

Scopes

• pisp
• aisp
• extended_transaction_history
• cbpii

PARAMETERS

RETURN CODES

INPUT

application/json

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

/stet/psd2/v1.4.2/trusted-beneficiaries

trustedBeneficiaries

ABSTRACT

Retrieval of the trusted beneficiaries list (AISP)

DESCRIPTION

This call returns all trusted beneficiaries that have been set by the PSU.
Those beneficiaries can benefit from an SCA exemption during payment initiation.
The result may be subject to pagination (i.e. retrieving a partial result in case of having too many results) through a set of pages by the ASPSP. Thereafter, the AISP may ask for the first, next, previous or last page of results.
– The TPP has been registered by the Registration Authority for the AISP role.
– The TPP and the PSU have a contract that has been enrolled by the ASPSP – At this step, the ASPSP has delivered an OAUTH2 “Authorization Code” or “Resource Owner Password” access token to the TPP (cf. § 3.4.2).
– The TPP and the ASPSP have successfully processed a mutual check and authentication
– The TPP has presented its OAUTH2 “Authorization Code” or “Resource Owner Password” access token which allows the ASPSP to identify the relevant PSU and retrieve the linked PSU context (cf. § 3.4.2) if any.
– The ASPSP takes into account the access token that establishes the link between the PSU and the AISP.
The AISP asks for the trusted beneficiaries list.
The ASPSP answers with a list of beneficiary details structure.

Scopes

• cbpii
• aisp
• extended_transaction_history

PARAMETERS

RETURN CODES

OUTPUT

application/hal+json; charset=utf-8

application/json; charset=utf-8

AVAILABLE AUTHENTIFICATION

OAuth 2.0

Get your token

Access to PSD2 API is granted by the bank with an authorization token (or access token) issued using OAUTH2 standardized process.

How it works ?

See also STET V1.4.2.17 / Part I / section 3.4

1. The customer (PSU) provides the identity of the bank which holds his accounts (ASPSP) to the TPP.

2. The TPP initiates an OAUTH2 access token request sequence by redirecting the customer to the ASPSP’s authorization infrastructure using GET /authorize

See also STET V1.4.2.17 / Part I / section 3.4 1

3- ASPSP will :

• Identify and authenticate the PSU
• Check your role and validity of your eIDAS certificates and agreement

4- Once checks are done and correct, ASPS will redirect the PSU to your site using “call-back” URL given in the GET /authorize and to ASPSP for the Go Live process.

You will find in the response of this request a one-time-token with a short life period.

5- You can then call the ASPSP in order to request the OAUTH2 token (and refresh one) using POST /token with previously received data (incl’d the one-time-token).

Note : these /token requests for getting the Authorization Code flow shall be sent WITHOUT the « scope » parameter.

See also STET V1.4.2.17 / Part I / section 3.4 

6- ASPSP will :

• Check your role and validity of your eIDAS certificates and agreement
• Checks the direct or indirect matching between the Authorization Number within the eIDAS certificate and the [client_id] value

7- Once checks are done and correct, ASPSP returns a response HTTP200 (OK) with data including the access token.

See also see STET V1.4.2.17 / Part I / section 3.4 

8- As soon as you get the OAUTH2 access token (and a 180-day valid refresh token) issued by the bank, you can use it for each API request within the “Authorization” header, prefixed by the token type “Bearer”.

The [client_id] that is linked to the access token must directly or indirectly match with the Authorisation Number that is located within the TPP’s eIDAS certificate (QWAC).

If the access token is expired, the request will be rejected with HTTP401 with an error equal to “invalid_token”.

The request can be replayed once the access token has been refreshed suing the use case “Refresh your token“.

If your refresh token is about to expire, you will have to perform again all this process, meaning also redirect to ASPSP for customer’s strong autentication (PSU SCA).

For more details, see also OAUTH 2.0 Authorization Framework : https://tools.ietf.org/html/rfc6749#section-4.1

Exemple

You can find an example of this request in section “Test our API” and then “Use our sandbox“

Check Funds Availability

This service allows you to check if customer has enough funds available on his payment bank account (linked to your payment card based intrument) to cover the current transaction.

Prerequisites

In order to proceed, TPP needs to fulfill all eligibility criteria and to present a valid OAUTH2 Authorization token (see use case “Get your token“).

Request

post /funds-confirmations

see STET V1.4.0 / Part II / section 4.6.4  page 23

Mandatory parameters 

paymentCoverageRequestId : Id for the request 

payee : merchant 

instructedAmount : amount and currency of the transaction 

accountId : Unique Id for the customer’s account

Result

The result given by the ASPSP is a boolean (YES or NO).

Example

Request

Post http://localhost:8080/v1/funds-confirmations

Body 

Résultat

Status code : 200

Body

see also STET V1.4.0 / Part III / section 6  page 12

Acceptance tests

The purpose of these tests is to ensure that the API complies with the STET standard. They should be validated before any application deployment.

Refresh your token

Principle

The refresh token issued by the bank ASPSP is valid up to 180 days and needs to be renewed before it expires. Please also note that :

•  Authorization and refresh tokens can be revoked at any moment ;
• If the Authorization token is revoked, then the refresh one is automatically revoked (and the other way round) ;
• The access token has a shorter life cycle (10 to 15min) on standalone device.

How it works ?

1. You request for a refresh token using POST /token

See also STET V1.4.0.47 / Part I / section 3.4.3.4 / page 25 

2. ASPSP :

• Identifies and authenticates the TPP through the presented eIDAS certificate (QWAC)
• Checks the direct or indirect matching between the Authorization Number within the eIDAS certificate and the [client_id] value.
• Controls last PSU SCA date (< 180 jours).

3. If correct, ASPSP then answers through a HTTP200 (OK) that embeds a new autorization token and refresh token that can replace the previous one. You need to store safely these tokens.

4. ASPSP de facto revokes the previous refresh token :

• After timeout of the by-law specified delay between two SCAs ;
• After timeout of the ASPSP specified delay based on internal rules if any ;
• After reject of a request for insufficient scope in order to allow the AISP to request another token with the desired scope ;
• On request of a PSU wanting to revoke the TPP access on his/her account data.

Please also note that, as a TPP, you are able to ask for the revocation of the refresh token through a POST /revoke request.

See also STET V1.4.0 / Part I / section 3.4.3.5 / page 26 

RFC 7009, cf. https://tools.ietf.org/html/rfc7009

Version history

This API is based on STET specifications in order to meet PSD2’s regulatory requirements. It takes into account the functional limitations specific to this ASPSP.

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.

Roadmap

• urgent functional issue to solve impacting all PSU of at least one major customers segment
• security issue
• evolutions requested by the national competent authority

Please do find below our forecast roadmap :

Deprecation process

According to API product life cycle, an API version can be deprecated (means this API is not any more accessible on gateways and sandbox). An overlap period between two major API releases is provided as described below :

The communication on the deprecation of a version N will be done at the release date of version N+1 through this portal / “roadmap” section.

Limits

Functional Limitation

The limitations of this PSD2 API are :

• Apply only to customers who suscribed online banking services

• Apply only to active and eligible online accessible payment accounts in euro currency

• Payment accounts from corporate segments are not yet available using this API

• Use the authentication with redirect only (Strong Customer Authentication required and handled by the bank APSPS)

• Acces to the customer’s informations will only be possible if he gave his consent previously

• Access to payment account is done only using IBAN as main parameter (and not your payment instrument)
• There will be no reservations of funds

Limitations on data

Live data will be accessible by using first our enrolment API “Register”.

Examples for this ASPSP :

• STET V1.4.0     POST https://www.12579.live.api.89c3.com/stet/psd2/v1/funds-confirmations   (/!\ scope = piisp)

• STET V1.4.2     POST https://www.12579.live.api.89c3.com/stet/psd2/v1.4.2/funds-confirmations   (/!\ scope = cbpii)

Eligibility

The “Funds availability” API resources can only be used by Payment Service Providers (PSP) with a “Card Based Payment Instrument Issuer” role (CBPII or PIISP depending on used STET version).

In order to provide a service to users of payment services under PSD2 directive, you must be a licenced PSP such as credit institution, electronic money institution, and payment institution. This status is delivered by financial authorities of the country where the request is made ; in France it is the “Autorité de Contrôle Prudentiel et de Résolution” (ACPR), under the supervision of the Banque de France regulatory body.

Obtaining and maintaining an authorization requires rigorous procedures in order to give strong guarantees to the payment services users.

The forms are provided on the ACPR website : https://acpr.banque-france.fr/autoriser/procedures-secteur-banque/tous-les-formulaires.

Once the agrement is granted, the Organisation Identifier (OID) given by the national authority has the following format :

PSDXX-YYYYYYYY-ZZZZZZZZ

“PSD” as 3 character legal person identity type reference

2 character ISO 3166 country code representing the NCA country

2-8 character NCA identifier (A-Z uppercase only, no separator)

PSP identifier (authorization number as specified by NCA)

This OID is very important for :

• identify yourself as a TPP in the STET API requests using the parameter “client_ID”

• to be included into the eIDAS certificates to be delivered to the bank (see below)

You also need eIDAS (electronic IDentification And trust Services) compliant certificates delivered by a Qualified Certification Service Provider (QTSP, see list available on https://webgate.ec.europa.eu/tl-browser/#/).

In order to be able to consume PSD2 API published on our BPCE Portal, you have to forward us using .pem format :

• QWAC and et QSEALC live certificates for the sandbox (if available for this ASPSP)
• QWAC and et QSEALC live certificates for our BPCE API Live gateway

Please embed only public keys. Controls on other data will be based on European Banking Association TPP register (https://euclid.eba.europa.eu/register/pir/disclaimer).

You can also refer to the FAQ section and the chatbot about the principle of eligibility.