Account Selection at ASPSP

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CEG Checklist Requirements 1
Minimum Set of Parameters: As per Single Domestic Payments – a/c selection @ PISP, item #1.

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CEG Checklist Requirements 2
PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item #2.

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CEG Checklist Requirements 3
PSU Consent to PISP PISPs must request for the PSUs’ consent to the payment initiation in a clear and specific manner. PISPs must display the following information in the consent screen: Payment Amount and Currency (GBP for UK implementations). Payee Account Name. Payment Reference, if it has been entered by PSUs or prepopulated by PISPs in item #1. Selected ASPSP (based on item #2 options). For Payee Account Identification details (e.g. account number and sort code or additionally roll number or full IBAN): If this has been provided by PSUs in item #1, then PISPs must also display this in the consent screen to allow PSUs to check and verify correctness. If this has been pre-populated by PISPs (e.g. in a eCommerce payment scenario) PISPs could choose whether to display this information or not.

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CX Considerations 4
As per Single Domestic Payments – a/c selection @ PISP, item #4.

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CX Considerations 5
As per Single Domestic Payments – a/c selection @ PISP, item #5.

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CEG Checklist Requirements 6
ASPSPs must apply SCA including dynamic linking, unless an exemption applies. The ASPSP authentication must have no more than the number of steps that the PSU would experience when directly accessing the ASPSP channel

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CX Considerations 7
ASPSPs could also display a message to prompt PSUs to authenticate to continue with their payment instruction.

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CX Considerations 8
Once the PSU has selected their account, ASPSPs should display the following information to the PSU: Payment Amount and Currency (GBP for UK implementations). Payee Account Name. Payment Reference, if it has been entered by PSUs or prepopulated by PISPs in item #1. The account selected by the PSU for payment. Payee Account Identification details (e.g. account number and sort code or additionally roll number or full IBAN).

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CEG Checklist Requirements 9
Additional Parameters ASPSPs must allow PSUs to select the payment account to complete the payment order for execution. It is up to ASPSP to consider relevant obligations relating to the FCA’s High Cost Credit Review: Overdrafts consultation paper and policy statement (CP18/42) & (PS19/16)”

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CX Considerations 10
ASPSPs should inform PSUs about their “point of no return” for making the payment and that their payment will be made after pressing the Proceed button. Example wording: “Press Proceed to make payment“.

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CX Considerations 11
As per Single Domestic Payments – a/c selection @ PISP, item #9.

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CEG Checklist Requirements 12
PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10.