One of the primary ambitions of the Customer Experience Guidelines is to provide simplification and consistency throughout each stage of the Open Banking implementation. As such, we have defined and illustrated a core set of payment initiation journeys.
Other pages in this section Get Started Authentication Methods Account Information Services Payment Initiation Services Card Based Payment Instrument Issuers (CBPIIs) Checklist Appendices Change Log
Single Domestic Payments Account selection at PISP User Journey PSUs can initiate, by providing their consent to PISPs, an instruction to their ASPSPs to make a one-off payment for a specific amount to a specific payee. Where all information for a complete payment order (including the PSUs’ account details) is passed from PISPs to ASPSPs, once PSUs have been authenticated, PSUs must… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Account Selection at PISP – Supplementary Info User Journey 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, such that if supplementary information… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Account Selection at PISP – Supplementary Info User Journey 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, such that if supplementary information… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Account Selection at ASPSP User Journey 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. In these scenarios, OBIE considers that SCA only needs to be obtained once, as part of the initial interaction between ASPSPs and the PSU. The fact that the… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Account selection at PISP User Journey PSUs can initiate, by providing their consent to PISPs, an instruction to their ASPSPs to make a one-off payment for a specific amount to a specific payee. Where all information for a complete payment order (including the PSUs’ account details) is passed from PISPs to ASPSPs, once PSUs have been authenticated, PSUs must… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Account Selection at PISP – Supplementary Info User Journey 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, such that if supplementary information… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Account Selection at PISP – Supplementary Info User Journey 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, such that if supplementary information… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Account Selection at ASPSP User Journey 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. In these scenarios, OBIE considers that SCA only needs to be obtained once, as part of the initial interaction between ASPSPs and the PSU. The fact that the… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Other Payment Standing Orders User Journey PSUs can setup, through PISPs, an instruction to their ASPSPs to make a series of payments of a specific amount to a specific payee on a number of specified future dates or on a regular basis. The example reference journey illustrates account selection occurring in the PISP domain. However, please note that account… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 International Payments User Journey PSUs can initiate, through PISPs, single international payments from their GBP or foreign currency payment accounts. Payments can be made in any currency and to any country, using a number of routing options in order to meet the priority required, provided that functionality is available to PSUs when making international payments directly from… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Bulk / Batch Payments User Journey Business PSUs can initiate, through PISPs, bulk/batch payments allowing them to make multiple payments from their payment accounts. The authentication approach used in this journey replicates journey Domestic Payments – Supplementary info, where there is supplementary information to be displayed. If the payment order is incomplete, then the principles of journey Single Domestic Payments… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Multi-authorisation Payments User Journey PSUs can setup, through PISPs, payments which require multiple parties with delegated user authority to authorise a payment order. This functionality can be used by ASPSPs for any payment initiation that requires multiple authorities (including consumers, SMEs and Corporates). The authentication approach used in this journey replicates journey Single Domestic Payments – Supplementary… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Confirmation of Funds for PISP – Yes / No Response Process Flow PISPs can request confirmation of funds on a PSU’s payment account for the amount necessary for the execution of the payment transaction initiated through the PISP. ASPSPs must respond to such request from a PISP with an immediate ‘Yes’ or ‘No’ confirmation and should take into account the same information (e.g. balance, agreed overdraft, incoming and outgoing… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020 Payment Refunds User Journey In cases where the PSU selects their account at the ASPSP as shown in the journey Single Domestic Payments – a/c selection @ ASPSP, the PISP may not be able to obtain the PSU’s account details (sort code and account number) from the PSU directly within their consent journey. This could create challenges for the… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Standing Orders User Journey PSUs can setup, through PISPs, an instruction to their ASPSPs to make a series of payments of a specific amount to a specific payee on a number of specified future dates or on a regular basis. The example reference journey illustrates account selection occurring in the PISP domain. However, please note that account… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
International Payments User Journey PSUs can initiate, through PISPs, single international payments from their GBP or foreign currency payment accounts. Payments can be made in any currency and to any country, using a number of routing options in order to meet the priority required, provided that functionality is available to PSUs when making international payments directly from… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Bulk / Batch Payments User Journey Business PSUs can initiate, through PISPs, bulk/batch payments allowing them to make multiple payments from their payment accounts. The authentication approach used in this journey replicates journey Domestic Payments – Supplementary info, where there is supplementary information to be displayed. If the payment order is incomplete, then the principles of journey Single Domestic Payments… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Multi-authorisation Payments User Journey PSUs can setup, through PISPs, payments which require multiple parties with delegated user authority to authorise a payment order. This functionality can be used by ASPSPs for any payment initiation that requires multiple authorities (including consumers, SMEs and Corporates). The authentication approach used in this journey replicates journey Single Domestic Payments – Supplementary… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Confirmation of Funds for PISP – Yes / No Response Process Flow PISPs can request confirmation of funds on a PSU’s payment account for the amount necessary for the execution of the payment transaction initiated through the PISP. ASPSPs must respond to such request from a PISP with an immediate ‘Yes’ or ‘No’ confirmation and should take into account the same information (e.g. balance, agreed overdraft, incoming and outgoing… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020
Payment Refunds User Journey In cases where the PSU selects their account at the ASPSP as shown in the journey Single Domestic Payments – a/c selection @ ASPSP, the PISP may not be able to obtain the PSU’s account details (sort code and account number) from the PSU directly within their consent journey. This could create challenges for the… View journey This version was published 4 Years & 7 Months ago 31 Mar 2020