In some scenarios, an additional step in ASPSPs’ journeys may be required to display supplementary information to PSUs. ASPSPs should determine the situations where this supplementary information is required, having regard to the principle that parity should be maintained between Open Banking journeys and ASPSPs’ online channel journeys.
Other pages in this section Account Selection at PISP Account Selection at PISP – Supplementary Info Account Selection at ASPSP Scheduled Payments – Future Dated Standing Orders International Payments Bulk / Batch Payments Multi-authorisation Payments Confirmation of Funds for PISPs Payment Refunds VRP Payments with 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. Additionally allow to capture Debtor reference to enable matching/reconciliation of an entry by commercial customers 2 CEG Checklist Requirements 2PSU payment Account Selection: As perSingle Domestic Payments – a/c selection @ PISP, item #2 3 CEG Checklist Requirements 3PSU Consent to PISP : As per Single Domestic Payments – a/c selection @ PISP, item #3 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 CEG Checklist Requirements 7Supplementary Information ASPSPs must be able to introduce a step as part of the authentication journey to display supplementary information associated with that payment if required. If the supplementary information screen is displayed ASPSPs must display as minimum the Payment Amount, Currency and the Payee Account Name to make the PSU aware of these details. ASPSPs must allow PSUs to review as a part of the authentication process any supplementary Information. The PSU can either proceed with the payment or cancel it on the same screen with items #7 & #8,using options with %22equal prominence“. 8 CX Considerations 8ASPSPs should display to PSUs any additional payment instruction information received from PISPs together with the supplementary information. This information may include the following: Payment Reference, if it has been entered by PSUs or pre-populated by PISPs in item #1 PSU payment Account Identification and/or the selected ASPSP (based on item #2 options). Payee Account Identification details (e.g. account number and sort code or additionally roll number or full IBAN) ASPSPs could display the balance of PSUs payment account (see Section Authentication method for clarification on SCA requirements) It is up to ASPSP to consider relevant obligations relating to the FCA’s: Overdrafts consultation paper and policy statement (CP18/42) and High-Cost Credit Review: Overdraft policy statement (PS19/16). 9 CX Considerations 9ASPSPs 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%22 In principle, while the PSU has the ability to cancel an authentication journey the expectation is for the ASPSP to redirect the PSU to the domain of the TPP and send the appropriate error code and description to the TPP, as supported by the OIDC Redirect Model. 10 CX Considerations 10As per Single Domestic Payments – a/c selection @ PISP, item #9 11 CEG Checklist Requirements 11SP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10 12 CEG Checklist Requirements 12Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item #12 13 CX Considerations 13As per Single Domestic Payments – a/c selection @ PISP, item #11 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 Additionally allow to capture Debtor reference to enable matching/reconciliation of an entry by commercial customers. 22 2 PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item 2 24 3 PSU Consent to PISP: As per Single Domestic Payments – a/c selection @ PISP, item 3 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 Supplementary Information ASPSPs must be able to introduce a step as part of the authentication journey to display supplementary information associated with that payment if required. If the supplementary information screen is displayed ASPSPs must display as minimum the Payment Amount, Currency and the Payee Account Name to make the PSU aware of these details. ASPSPs must allow PSUs to review as a part of the authentication process any supplementary Information.The PSU can either proceed with the payment or cancel it on the same screen with items 7 & 8,using options with ‘equal prominence“. 20 7a ASPSPs must offer the same minimum and maximum payment limits for payment types, as they offer in their direct online channels. 28f 8 ASPSPs should display to PSUs any additional payment instruction information received from PISPs together with the supplementary information. This information may include the following: Payment Reference, if it has been entered by PSUs or pre-populated by PISPs in item 1 PSU payment Account Identification and/or the selected ASPSP (based on item 2 options). Payee Account Identification details (e.g. account number and sort code or additionally roll number or full IBAN) ASPSPs should display the balance of PSUs payment account (see section Authentication methods for clarification on SCA requirements), provided that they are able to do so on the same authentication screen. It is up to ASPSP to consider relevant obligations relating to the FCA’s: Overdrafts consultation paper and policy statement (CP18/42)and High-Cost Credit Review: Overdraft policy statement (PS19/16) 9 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’ In principle, while the PSU has the ability to cancel an authentication journey the expectation is for the ASPSP to redirect the PSU to the domain of the TPP and send the appropriate error code and description to the TPP, as supported by the OIDC Redirect Model. 10 As per Single Domestic Payments – a/c selection @ PISP, item 9 11 PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item 10 25 26 12 Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item 12 27 13 As per Single Domestic Payments – a/c selection @ PISP, item 11
Account Selection at PISP Previous Related articles Please select API specifications Domestic Payments Consents Domestic Payments Domestic Payment Message Formats Domestic Payment Usage Examples Account Selection at ASPSP Next