Discover our VoP solution by SEPAmail.eu
SEPAmail.eu and CBI have signed an agreement for interoperable IBAN-name checks
SEPAmail.eu and European banks successfully test cross-European Verification of Payee interoperability via the SWIFT network
Strategic partnership between STET and G+D to implement Click to Pay in France and beyond
Money 20/20: From Legacy to Leadership: The Future of Domestic Schemes
About Us
What do we do?
STET is a major European payment processor working primarily for the French and Belgian banking communities, with over 36 billion transactions processed in 2024.
We are one of the leading payment processors in Europe, operating both a high-performance Clearing and Settlement Mechanism (CSM) and a card authorization network. We support a full range of payment methods (cards, SEPA direct debits and credit transfers, instant payments, ATM transactions, cheques and bills of exchange) and provide the associated processing services (e.g. clearing, settlement, switching, fraud prevention, digital payments).
Key Figures 2024
0 billion
Transactions processed in CORE clearing payment services
0 billion
Authorized transactions
0 million
Tokenized payments
0 million
Instant payment transactions processed
0 billion
Transactions scored
Our Services
Clearing Services
Since 2004, STET is one of the leading European Automated Clearing Houses (ACH), operating for the French and Belgian banking communities. STET clears and prepares payments of all types for settlement, including credit transfers, direct debits, cheques, cards, and other legacy payment means.
Authorization
Our secure payment and cash withdrawal authorization network operates 24/7 with very high resilience and 99.999% availability. It supports both French domestic scheme Cartes Bancaires and international card schemes (Visa, Mastercard…).
Digital Payments
Through STET Digital Solution (SDS), we enable banks to access tokens linked to digital cards via various wallets. It allows merchants to use tokenization services (e.g. Card on File). Combined with the STET card authorization network, it offers a comprehensive coverage for all tokenized payment use cases, with the same guarantees as traditional card payments.
Instant Payments
STET has been delivering Instant Payment services to the French and Belgian banking communities since 2017.
Our Instant Payment service complies with EPC requirements and offers European interoperability through interconnection with TIPS and RT1.
Fraud Prevention & Detection
STET’s fraud prevention and detection tools cover all payment means (cards, SEPA and digital wallets) and provide scoring across the entire payment process (authentication, enrolment, authorization, prepayment) using IA to continuously enhance our best-in-class fraud prevention solutions.
Secure Messaging
SEPAmail.eu, a STET subsidiary since 2024, is a market infrastructure provider that manages secure messaging schemes with a broad membership base defining a trust and security standard for digital data transfers and acting as a certification authority. SEPAmail.eu offers secure messaging services such as account switching and IBAN Name Check (Verification of Payee), and as such, serves as a routing and verification mechanism.
Our Values
Cooperation
Think collective. Focus on shared projects rather than personal interests.
Recognition
Acknowledge hard work and individual contributions to shared success.
Exemplarity
Treat people with respect and play by the rules. Stay positive, consistent and transparent.
Cohesion
Be united and resilient in pursuit of a common goal.