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PSD2 API Developer Portal

In the scope of the European Payment Services Directive 2015/2366 (also known as PSD2), Crédit Mutuel provides API access to qualified Third Party Payment Service Providers for the following purposes:

  • Account and Transaction Information for Account Information Service Providers (AISPs)
  • Checking of Funds Coverage for Card-Based Payment Instrument Issuers (CBPIIs)
  • Payment Initiation for Payment Initiation Service Providers (PISPs)

These APIs are available at https://oauth2-apisi.e-i.com/cm/, with a sandbox environment at https://oauth2-apisi.e-i.com/sandbox/cm/.

Recent and upcoming changes

  • : Breaking change - On the OAuth2 registration API, a contacts metadata field has been added as specified in RFC 7591, and has been set as mandatory. That information is needed so that Crédit Mutuel can comply with legal notification requirements (notifying TPPs at least 3 months in advance) for technical changes in the future.

Subjects

API Specifications

If you want to dive directly into the APIs, they are documented as OpenAPI Specification (Swagger) files:

  • View OAuth 2 Endpoints Specification
  • Open Banking API Endpoints Specification:
    • View v1

    • View v1.1 Published

      Changelog

      • GET /accounts: the name of the account entry that represents a set of card-based transactions now specifies the holder name;
      • GET /accounts/{accountResourceId}/balances: the list of balances for a set of card-based transactions now contains additional balance objects, materializing per-booking-date transaction amounts;
      • GET /accounts/{accountResourceId}/transactions: for pending card-based transactions, bookingDate is now set to the expected booking date - it was previously left unset;
      • GET /accounts/{accountResourceId}/transactions: for cash-account transactions, bookingDate is now always set to the actual booking date on the user's account;
      • GET /accounts/{accountResourceId}/transactions: for card-based transactions, unstructured remittance information may now include location information;

Publication of statistics

  • January 2020 - Statistics from 1st October 2019 to 31st December 2019

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