Notice of change - BPCE group changing to 2-step payments
Issued: 27th April 2023 | TB-1130
What's changing?
BPCE group banks are currently configured as a 1-step banks for payment initiation requests. This means that when you initiate a payment, a BPCE group bank will automatically execute the payment immediately after authorization is provided by the user.
BPCE group banks are now changing this behaviour and will no longer support 1-step payments. Instead they will support 2-step payments.
In future, after authorization is completed, you'll be expected to initiate the create transfer API call (POST /transfers) to initiate payment execution.
Does this change affect you?
If you wish to continue to support connectivity to BCPE group banks for payment initiation, you'll need to ensure that you treat these banks as 2-step banks instead of 1-step banks.
If you are using the Auto redeem capability you won't be impacted by this change.
The following banks will be affected:
| Banque BCP | Banque Populaire Sud | Caisse d’Epargne Loire Drôme Ardèche | ||
| Banque de Savoie | Banque Populaire Val de France | Caisse d’Epargne Loire-Centre | ||
| Banque Populaire Alsace Lorraine Champagne | Caisse d’Epargne Aquitaine Poitou-Charentes | Caisse d’Epargne Midi-Pyrénées | ||
| Banque Populaire Aquitaine Centre | Caisse d’Epargne Auvergne et Limousin | Caisse d’Epargne Normandie | ||
| Banque Populaire Auvergne et Rhône-Alpes | Caisse d’Epargne Bourgogne Franche-Comté | Caisse d’Epargne Midi-Pyrénées | ||
| Banque Populaire Bourgogne Franche Comté | Caisse d’Epargne Bretagne-Pays De Loire | Caisse d’Epargne Normandie | ||
| Banque Populaire du Nord | Caisse d’Epargne Côte d’Azur | Caisse d’Epargne Provence Alpes Corse | ||
| Banque Populaire Grand Ouest | Caisse d’Epargne Grand Est Europe | Caisse d’Epargne Rhône Alpes | ||
| Banque Populaire Méditerranée | Caisse d’Epargne Hauts de France | CMM Grand Ouest | ||
| Banque Populaire OCcitane | Caisse d’Epargne Ile De France | CMM Littoral du Sud Ouest | ||
| Banque Populaire Rives de Paris | Caisse d’Epargne Languedoc-Roussillon |
What action do I need to take?
You should check for Backward Compatibility to determine whether this will have an impact on your payment initiation requests.
You might want to consider implementing the Auto redeem capability. Please see the Technical Bulletin for the Enhancement to provide Auto redeem for 2-step payments for more details.
You should also refresh your bank meta data using the GET /banks call to ensure you have the latest configuration for all banks that you're currently connecting to.
When will this change apply to all impacted customers?
This change will apply from the 15th May 2023.
Where can I get further information?
For assistance with the above and other operational aspects of the Token.io Account 2 Account Infrastructure, please contact Token.io Support.
