1.4.2 - Roadmap and migration path

Introduction

This aim of this page is to describe the steps we will follow in the migration from the API 1.4.1 to API 1.4.2. By "1.4.1" and "1.4.2" we refer to the 1.4.1.3 and 1.4.2.18 STET specifications described at the following address : https://www.stet.eu/en/psd2/

During the migration phase both versions are available. You will be able to specify which version you want to deal with. This can be done by setting a Accept header in each request which specifies the version (no header means the current version which is currently 1.4.1). 

The API are described here. This page aims at focusing on the roadmap and on the impacts of the migration.

Roadmap

The new version of the API will be delivered step by step

This tables quickly summarize the roadmap

PISP Features - V1.4.2 CMB CMSO Fortuneo Max ABP AZB BPE ABEI ABS
SCT (SEPA Payments) Available Available Available Sept2021 Available Available Available Available Available
SCT Inst (SEPA Instant Payments) NC NC NC NC
Redirect Web Available Available Available Available
SCT Scheduled (SEPA with requestedExecutionDate) Available Available Sept 2021 Available Available Available Available Available
SCT Multiple (SEPA Several payment instructions) Sept2021 Sept2021 NC NC Sept2021 NC NC Sept2021 NC
International
(Domestic payments in non-euro currency
and international payments)
Sept2021 Sept2021
International Scheduled
(with requestedExecutionDate)
Redirect App2App Oct2021 (Pro)
Nov2021 (Priv)
Oct2021 (Pro)
Nov2021 (Priv)
Sept2021 Sept2021 Oct2021 NC Oct2021 Oct2021 NC

 

AISP/CBPII Features - V1.4.2 CMB CMSO Fortuneo Max ABP AZB BPE ABEI ABS
AISP (Account information / End User Identity / Beneficiaries) Available Available Available Available Available Available Available Available Available
CBPII (Fund Confirmation)
Redirect Web
Redirect App2App Sept2021 NC NC

NC : Not Concerned
Pro : Professional Accounts
Priv : Private Accounts

CMB : Crédit Mutuel de Bretagne
CMSO : Crédit Mutuel du Sud-Ouest
ABEI : Arkéa Banque Entreprises et Institutionnels
ABP : Arkéa Banque Privée
ABS : Arkéa Banking Services
AZB : Allianz Banque

 

Step 1 - PISP REDIRECT Web Approach

Summary : this step allows you to integrate the new PISP REDIRECT Approach and to use it with "immediate" SEPA payments

Delivery date : available 

Concerned entities : CMB, CMSO, Fortuneo, ABP, ABEI, ABS, BPE, AZB

For Max, see sections below

Content 

This step focuses on the delivery on the OAUTH2 Enforced REDIRECT Approach for PISP use cases as described in STET Version 1.4.2 Documentation Framework (section 3.4.5.4). This is the only approach we provide : OAUTH2 Simple REDIRECT Approach won't be available in our implementation, thus this is the main update to deal with when migrating from 1.4.1 to 1.4.2.

At this step, the Approach is only available in Redirect Web. The delivery of the Redirect App2App will be available later (see below).

Fonctionnaly, this step only provides the ability to initiate "immediate" SEPA payments :

  • serviceLevel can only be set to "SEPA" 
  • instant payment is supported by specifying localInstrutment="INST"
  • transfer request (categoryPurpose="CASH") and payment request on behalf of a merchant (categoryPurpose="DVPM") are supported
  • only one payment instruction is supported
  • defered execution date is not supported

Step 2 - AISP/PISP/CBPII Main features

Summary : 

This step allows an AISP or a CBPII to fully migrate to 1.4.2.

For PISP, the main features are delivered and it will only miss the App2App Redirect Approach, International payments and Listed SEPA payments (the ability to specify several payments in one initiation).

Delivery date : planned for the begin of July 2021

Concerned entities : CMB, CMSO, Fortuneo, ABP, ABEI, ABS, BPE, AZB

For Max, see section below

Content 

All AISP/BPII and the main PISP features will be available which means :

Feature CMB CMSO Fortuneo ABP AZB BPE ABEI ABS
AISP (Account information / End User Identity / Beneficiaries) X X X X X X X X
CBPII (Fund Confirmation) X X X X X X X X
SCT (SEPA Payments) X X X X X X X X
SCT Multiple (SEPA Several payment instructions) Next NC Next NC NC Next NC
SCT Scheduled (SEPA with requestedExecutionDate) X X X X X X X X
SCT Inst (SEPA Instant Payments) X X X NC NC NC X NC
International (Domestic payments in non-euro currency and international payments) Next NC Next Next
International Scheduled (requestedExecutionDate specified) Next Next Next

NC : Not Concerned

CMB : Crédit Mutuel de Bretagne
CMSO : Crédit Mutuel du Sud-Ouest
ABEI : Arkéa Banque Entreprises et Institutionnels
ABP : Arkéa Banque Privée
ABS : Arkéa Banking Services
AZB : Allianz Banque

Step 3 - PISP Full features

Summary : 

At this step all PISP features will be available. The only missing topic will be the App2App Redirect Approach.

Delivery date : planned for September 2021

Concerned entities : CMB, CMSO, ABP, ABEI, ABS, BPE, AZB

For Max, see section below

Content 

All features will be available which means :

Feature CMB CMSO Fortuneo ABP AZB BPE ABEI ABS
AISP (Account information / End User Identity / Beneficiaries) X X X X X X X X
CBPII (Fund Confirmation) X X X X X X X X
SCT (SEPA Payments) X X X X X X X X
SCT Multiple (SEPA Several payment instructions) X* X* NC X* NC NC X* NC
SCT Scheduled (SEPA with requestedExecutionDate) X X X X X X X X
SCT Inst (SEPA Instant Payments) X X X NC NC NC X NC
International (Domestic payments in non-euro currency and international payments) X X NC X NC X X X
International Scheduled (requestedExecutionDate specified) X X NC X NC X X X

NC : Not Concerned
* : not available for Private Accounts

CMB : Crédit Mutuel de Bretagne
CMSO : Crédit Mutuel du Sud-Ouest
ABEI : Arkéa Banque Entreprises et Institutionnels
ABP : Arkéa Banque Privée
ABS : Arkéa Banking Services
AZB : Allianz Banque

Step 4 - PISP REDIRECT App2App Approach

Planned delivery dates : 

  • Crédit Mutuel de Bretagne / Crédit Mutuel du Sud-Ouest - Private accounts : November 2021
  • Crédit Mutuel de Bretagne / Crédit Mutuel du Sud-Ouest - Professional accounts : October 2021 
  • Fortuneo : September 2021
  • Arkéa Banque Privée : October 2021
  • BPE : October 2021
  • Arkéa Banque Entreprises et Institutionnels : October 2021

Max

Max delivers in September 2021 AISP, CBPII and PISP API v1.4.2 in one step with both Redirect Web and App2App approaches

Feature Max
AISP (Account information / End User Identity / Beneficiaries) X
CBPII (Fund Confirmation) X
SCT (SEPA Payments) X
SCT Multiple (SEPA Several payment instructions) NC
SCT Scheduled (SEPA with requestedExecutionDate) X
SCT Inst (SEPA Instant Payments) X
International (Domestic payments in non-euro currency and international payments) NC
International Scheduled (requestedExecutionDate specified) NC

NC : Not Concerned

1.4.1 Decommissioning

To simplify the visibility, we have decided to homogenize the 1.4.1 decommissioning plan :

  • In October 2021, we will stop the maintenance of the version. This means that the fixes will be only delivered in 1.4.2.
  • In January 2022, the defaut version becomes the 1.4.2. This means that if you not explicitely specify that you want to use the 1.4.1 version, your requests will be treated with 1.4.2 format.
  • In February 2022, the 1.4.1 version will be decommissionned  

How to use 1.4.2 ?

To be able to use the version 1.4.2, you simply have to put an Accept header in your requests.

Accept : version=1.4.2

With multiple Accept headers 

Accept: application/json; version=1.4.2

You do not have to use a different URL or a different App (the same client_id can be used).

Change Log

PISP

REDIRECT Approach

As described above, the 1.4.2 version introduces the OAUTH2 Enforced REDIRECT Approach for PISP use cases as described in STET Version 1.4.2 Documentation Framework (section 3.4.5.4).

The OAUTH2 Simple REDIRECT Approach, supported in 1.4.1 version, won't be available in our implementation.

The main consequences are the following 

  • In POST /payment-requests request body
    • the only supported value for appliedAuthenticationApproach is still REDIRECT (other values will be ignored)
    • you do not have to provide a successfulReportUrl or an unsuccessfulReportUrl because we will use the redirect_uri provided in the redirection (or the managed callback URL by default)
  • In POST /payment-requests 201 response
    • the consentApproval is prepared for the Enforced REDIRECT Approach by specifiying the response_type (code) and scope (pisp) used for the OAuth2 Authorization code flow (more detail available here)
  • After the user validates the payment initiation in the redirect, and once the user is redirect back to your application with the authorization code, the payment is not executed.
    You will have to confirm the payment initiation by

    • retrieving the access token from the authorization code
    • invoking POST /o-confirmation with the access token

Payment request fields

  • Amount's type is a float in 1.4.2 (it is a string in 1.4.1)
  • remittanceInformation evolves but even if the STET specification allows to specified structured data, we only support the unstructured information

 

AISP

REDIRECT Approach

No change

Accounts

  • In psuStatus, as described in STET specification, the value "Co-account Holder" is replaced by "Account Co-Holder"
  • New psuStatus values are not used  

Balances

  • Amount's type is a float in 1.4.2 (it is a string in 1.4.1)
  • referenceDate is a date-time format (it is a date format in 1.4.1)

Transactions

  • Amount's type is a float in 1.4.2 (it is a string in 1.4.1)
  • Dates are in date-time format (it is a date format in 1.4.1)
  • Even if bankTransactionCode is new in 1.4.2 we have been already providing it in out implementation of 1.4.1 : no change on that suject
  • We do not support anymore the query paramaeter page=-1 to retrieve upcoming transactions
  • The dateFrom and dateTo query parameters must be specified in date-time format (eg 2021-01-01T12:00:01Z)

Trusted beneficiaries

No change

End user identity

No change : last name and first name are still provided in connectedPsu field

connectedPsuNamePrefix, connectedPsuFirstName and connectedPsuLastName are not filled

 

CBPII

REDIRECT Approach

No change

Funds confirmation

  • Amount's type is a float in 1.4.2 (it is a string in 1.4.1)