STET is a critical operator for our clients, the banks and the banking communities we serve every day. Stet is responsible for more than 30 billion transactions a year, representing an average of more than 25 billion Euros per day. This is a great responsibility that we take for banks, central banks and finally end-users. As a Systemically Important Payment System (SIPS), we commit to respecting the highest level of security, rigour, and transparency.

Doing more for banks today, and even more tomorrow

We assume our role with a full dedication, which embraces day-to-day’s business, and a long-term vision to anticipate tomorrow’s market demand.

As the European payments business is undergoing dramatic changes, benefiting from the industry standardisation and the technology revolution, we work on a continuous process to design new functional and technical solutions, with an architecture capable of responding to tomorrow’s challenges.

Since its creation, STET’s vision is that European harmonisation will not preclude the market diversity. That’s why we develop flexible and sustainable architectures, designed to host the various needs of our clients with user-friendly multi-channel services.

Innovating to anticipate the market needs

What’s happening on the market? What will happen tomorrow and the day after? These questions are our major concern at STET.

In the fast-changing technology landscape, we pay great attention to the market new technical developments and business trends. Being a technology service provider, it means that we help our clients to move into the future and bring them new services to improve their time-to-market.

Enhanced competition involved by the market consolidation makes the importance of being the first on the market a critical point for our clients.

At STET we believe our first mission is to serve our clients todays and to anticipate their tomorrow’s expectations.

We pay great attention to the market evolution, in order to support and accompany our clients’ needs.


STET brings next generation solutions with open-access and transparent user policies.

Our approach of governance empowers each client’s community to maintain full control over its CSM. As a consequence, STET clearly separates management of a CSM from the corporation running scheme-agnostic processing capabilities. Each has its distinct governance organisation, ensuring balanced priorities:

  • The Board is responsible for running the corporation. These responsibilities include overseeing the corporation's strategy, organisation, investments, and future developments,
  • For our Clearing services, a governing body is designed for each community. This body has full control over payment instruments and rules for processing or routing them. This governing body's very organisation and governance are decided by each community. Individual banks are also considered as our flexible clearing services offer allows clients to opt in our additional services, such as Instant Payment.
  • For our card services, we designed a flexible network and services able to suit market demands.

A reliable partner of the European payment market

Our disruptive approach of governance that involves all our stakeholders, as well as our open-access policy makes possible for all European banks to benefit from our exceptional track record, our system and network robustness, our 24/7 processing capacity and our cost efficiency.

Thanks to our clients support, we believe we is in a good position to consolidate the European payment market, both on a technical and a business viewpoint.

Having a consistent 360° service offering including a clearing system able to handle the whole range of payment instruments (domestic and SEPA) as well as a routing and authorization network means that we can support all payment issues.

Reachability is also a key issue for STET, that’s why we are working on partnerships to allow our clients to reach any counterpart within the SEPA area.

Finally, we hope the payment market will leverage our price competiveness, which draws on optimized business process and economies of scale generated by our large transaction volumes.