Account Selection at PISP – Supplementary Info

1

CEG Checklist Requirements 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

2

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

3

CEG Checklist Requirements 3
PSU Consent to PISP : As per Single Domestic Payments – a/c selection @ PISP, item #3

4

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

5

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

6

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.

7

CEG Checklist Requirements 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 %22equal prominence“.

8

CX Considerations 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 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 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%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 10
As per Single Domestic Payments – a/c selection @ PISP, item #9

11

CEG Checklist Requirements 11
SP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10

12

CEG Checklist Requirements 12
Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item #12

13

CX Considerations 13
As per Single Domestic Payments – a/c selection @ PISP, item #11