OPT-OPS-006Bank's choiceregulatedAPI contract and operations

Test environment

What does the bank's test environment cover?

The options

  • Connection and certificates

    Set up mTLS, exchange certificates, receive error messages.

  • Functional flows

    AIS, PIS and funds confirmation, with dummy PSU data.

  • Authentication

    Every authentication procedure offered to customers.

In STET 1.6.3
  • Nothing: this is outside the scope of the spec.
Bank side
Decide what the environment covers beyond the minimum, with which dummy data, and who answers TPPs during their tests.
TPP side
This is where acceptance testing happens, before going live with a new bank.
Regulation

The testing facility is mandatory, with support, for TPPs that are authorised or have applied for authorisation, without any sharing of sensitive data (Article 30(5) of the RTS). For the exemption from the contingency mechanism, it must cover points (a) to (g) of Guideline 6.5 of EBA/GL/2018/07.

Texts cited

Entry checked on October 19, 2026.

Based on the STET PSD2 API 1.6.3 specification, licensed CC BY 3.0 FR.

The entry as stored
{
  "id": "OPT-OPS-006",
  "edition": "1.6.3",
  "chooser": "aspsp",
  "title": {
    "fr": "Environnement de test",
    "en": "Test environment",
    "es": "Entorno de pruebas",
    "pt-br": "Ambiente de testes"
  },
  "question": {
    "fr": "Que couvre l'environnement de test de la banque ?",
    "en": "What does the bank's test environment cover?",
    "es": "¿Qué cubre el entorno de pruebas del banco?",
    "pt-br": "O que o ambiente de testes do banco cobre?"
  },
  "options": [
    {
      "label": {
        "fr": "Connexion et certificats",
        "en": "Connection and certificates",
        "es": "Conexión y certificados",
        "pt-br": "Conexão e certificados"
      },
      "text": {
        "fr": "Établir le mTLS, échanger les certificats, recevoir les messages d'erreur.",
        "en": "Set up mTLS, exchange certificates, receive error messages.",
        "es": "Establecer el mTLS, intercambiar los certificados, recibir los mensajes de error.",
        "pt-br": "Estabelecer o mTLS, trocar os certificados, receber as mensagens de erro."
      }
    },
    {
      "label": {
        "fr": "Parcours fonctionnels",
        "en": "Functional flows",
        "es": "Flujos funcionales",
        "pt-br": "Fluxos funcionais"
      },
      "text": {
        "fr": "AIS, PIS et confirmation de fonds, avec des données de PSU fictives.",
        "en": "AIS, PIS and funds confirmation, with dummy PSU data.",
        "es": "AIS, PIS y confirmación de fondos, con datos de PSU ficticios.",
        "pt-br": "AIS, PIS e confirmação de fundos, com dados fictícios de PSU."
      }
    },
    {
      "label": {
        "fr": "Authentification",
        "en": "Authentication",
        "es": "Autenticación",
        "pt-br": "Autenticação"
      },
      "text": {
        "fr": "Toutes les procédures d'authentification offertes aux clients.",
        "en": "Every authentication procedure offered to customers.",
        "es": "Todos los procedimientos de autenticación que se ofrecen a los clientes.",
        "pt-br": "Todos os procedimentos de autenticação oferecidos aos clientes."
      }
    }
  ],
  "stet": {
    "sections": [],
    "openapi": [],
    "flows": [],
    "changes": [],
    "remark": {
      "fr": "Rien : c'est hors du périmètre de la spec.",
      "en": "Nothing: this is outside the scope of the spec.",
      "es": "Nada: queda fuera del alcance de la especificación.",
      "pt-br": "Nada: isso está fora do escopo da especificação."
    }
  },
  "aspsp": {
    "fr": "Décider ce que l'environnement couvre au-delà du minimum, avec quelles données fictives, et qui répond aux TPP pendant leurs tests.",
    "en": "Decide what the environment covers beyond the minimum, with which dummy data, and who answers TPPs during their tests.",
    "es": "Decidir qué cubre el entorno más allá del mínimo, con qué datos ficticios, y quién atiende a los TPP durante sus pruebas.",
    "pt-br": "Decidir o que o ambiente cobre além do mínimo, com quais dados fictícios, e quem atende os TPP durante os testes."
  },
  "tpp": {
    "fr": "C'est là que se jouent les parcours de recette, avant d'ouvrir une nouvelle banque.",
    "en": "This is where acceptance testing happens, before going live with a new bank.",
    "es": "Ahí se hacen las pruebas de aceptación, antes de conectar un banco nuevo.",
    "pt-br": "É ali que acontecem os testes de homologação, antes de entrar em produção com um novo banco."
  },
  "regulation": {
    "text": {
      "fr": "Le dispositif de test est obligatoire, avec support, pour les TPP agréés ou en cours d'agrément, sans partage de données sensibles (art. 30(5) des RTS). Pour l'exemption de secours, il doit couvrir les points (a) à (g) de l'orientation 6.5 de l'EBA/GL/2018/07.",
      "en": "The testing facility is mandatory, with support, for TPPs that are authorised or have applied for authorisation, without any sharing of sensitive data (Article 30(5) of the RTS). For the exemption from the contingency mechanism, it must cover points (a) to (g) of Guideline 6.5 of EBA/GL/2018/07.",
      "es": "La infraestructura de pruebas es obligatoria, con soporte, para los TPP autorizados o en proceso de autorización, sin compartir datos sensibles (art. 30(5) de las RTS). Para la exención del mecanismo de reserva, debe cubrir los puntos (a) a (g) de la directriz 6.5 de EBA/GL/2018/07.",
      "pt-br": "O ambiente de testes é obrigatório, com suporte, para os TPP autorizados ou em processo de autorização, sem compartilhamento de dados sensíveis (art. 30(5) das RTS). Para obter a isenção do mecanismo de contingência, ele deve cobrir os pontos (a) a (g) da orientação 6.5 das orientações EBA/GL/2018/07."
    },
    "sources": [
      {
        "act": "rts",
        "ref": "art. 30(5)"
      },
      {
        "act": "eba-gl-2018-07",
        "ref": "6.5"
      }
    ]
  },
  "note": null,
  "production": null,
  "verifiedAt": "2026-10-19"
}