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) 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-to-Account Infrastructure, please contact Token.io Support.