# 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 behavior 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](../../api/reference/Transfers-for-Payments-v1#operation/GatewayService.CreateTransfer)) 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](../integration-considerations/api-basics#Backward) 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](./tb-022123) for more details.

You should also refresh your bank meta data using the [GET /banks](../../api/reference/Banks-v1#operation/GatewayService.GetBanks) 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-to-Account Infrastructure, please contact [Token.io Support](https://support.token.io/).