In the scope of the European Payment Services Directive 2015/2366 (also known as PSD2), CREATIS 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-apiii.e-i.com/creatis/, with a sandbox environment at https://oauth2-apiii.e-i.com/sandbox/creatis/.

Recent and upcoming changes

Stay up-to-date with our updates feed:

• Last update: 2022-05-23T00:00:00 Updates Feed

Subjects

• Registration for API Access - Who can access the APIs, under what criteria?
• OAuth 2 and Strong Customer Authentication Workflows - How, when, and under which conditions will Strong Customer Authentication be processed?
• OAuth 2 Endpoints - How is OAuth 2 implemented?
• Open Banking API Endpoints - How to call the endpoints, what do they return?
• Fallback Mechanism - As published by ACPR in September 2021, CREATIS has been exempted from the fallback mechanism. Therefore, the fallback mechanism has been shut down on January 19, 2022.

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 v2.0 End-of-life on June 1, 2022

    Changelog

    • In the PaymentRequestResource schema, the field that describes the payment request status is now correctly named paymentInformationStatus;
    • In the CreditTransferTransaction schema, the fields transactionStatus and statusReasonInformation are now available;
    • Payment cancellation workflows are now initiated with status CANC and do not require SCA;
    • The API endpoints now conform to STET Specification v1.4.2;
    • The REDIRECT workflow for payment confirmation now conforms to OAuth2 authorization code flow;

  • View v2.1 Published

    Changelog

    • On the /accounts endpoint, credit cards are now identified by their masked PAN, using the MPAN scheme;
    • On the /accounts/{id}/transactions endpoint, all amounts are returned in absolute values with a CRDT/DBIT indicator;
    • [ERRATUM March 9, 2022] Previous changelog said that amounts on the /accounts endpoint were returned in absolute values, which is not the case;
    • On the /accounts/{id}/transactions endpoint, pending credit card transactions are now marked with status OTHR instead of PDNG;
    • In payment initiation workflows, once the PSU has validated the SCA, debtor.name will be filled in response to a GET request;
    • In payment initiation workflows, in cases of pending validation by CREATIS, status PDNG will be returned instead of ACSP;

API specifications updates and deprecation announcements are also in our updates feed.

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Contact us

• Need some help? Get in touch with CREATIS