There are cases where the payment order submitted by PISPs to ASPSPs is incomplete, such as where the PSU’s account selection has not yet occurred.
Other pages in this section Account Selection at ASPSP Account Selection at PISP Account Selection in PISP – Supplementary Info Scheduled Payments – Future Dated Standing Orders International Payments Bulk / Batch Payments Multi-authorisation Payments Confirmation of Funds – PISP Payment Refunds VRP Payments with an SCA exemption VRP Payments under Sweeping Access VRP Payments with delegated SCA
This content is best viewed on a desktop browser. 1 CEG Checklist Requirements 1Minimum Set of Parameters: As per Single Domestic Payments – a/c selection @ PISP, item #1. 2 CEG Checklist Requirements 2PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item #2. 3 CEG Checklist Requirements 3PSU 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. 4 CX Considerations 4As per Single Domestic Payments – a/c selection @ PISP, item #4. 5 CX Considerations 5As per Single Domestic Payments – a/c selection @ PISP, item #5. 6 CEG Checklist Requirements 6ASPSPs 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 7 CX Considerations 7ASPSPs could also display a message to prompt PSUs to authenticate to continue with their payment instruction. 8 CX Considerations 8Once 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). 9 CEG Checklist Requirements 9Additional 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)” 10 CX Considerations 10ASPSPs 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“. 11 CX Considerations 11As per Single Domestic Payments – a/c selection @ PISP, item #9. 12 CEG Checklist Requirements 12PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10. 13 CEG Checklist Requirements 13Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item #12. Select to scroll left Select to scroll right
CEG Checklist Requirements & Customer Experience Considerations 1 Minimum Set of Parameters: As per Single Domestic Payments – a/c selection @ PISP, item 1. 22 2 PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item 2. 24 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. 8 4 As per Single Domestic Payments – a/c selection @ PISP, item 4. 5 As per Single Domestic Payments – a/c selection @ PISP, item 5. 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 19 1 7 ASPSPs could also display a message to prompt PSUs to authenticate to continue with their payment instruction. 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). 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)”. 23 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“. 11 As per Single Domestic Payments – a/c selection @ PISP, item 9. 12 PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item 10. 25 26 13 Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item 12. 27
Payment Initiation Services Previous Related articles Please select API specifications Domestic Payments Consents Domestic Payments Domestic Payment Usage Examples Account Selection at PISP Next