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,… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 Account Selection at PISP – Supplementary Info ASPSPs’ journeys may be required to display supplementary information to PSUs. Parity should be maintained between open banking journeys and ASPSPs’ online channel journeys. If supplementary information is not provided to PSUs within the ASPSPs’ online channels, then it must not be provided during an open banking PIS journey. View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 Single Domestic Payments – BACS and CHAPS ASPSPs’ journeys may be required to display supplementary information to PSUs. Parity should be maintained between open banking journeys and ASPSPs’ online channel journeys. If supplementary information is not provided to PSUs within the ASPSPs’ online channels, then it must not be provided during an open banking PIS journey. View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 Scheduled Payments – Future Dated User Journey PSUs can setup, through PISPs, an instruction to their ASPSPs to make a one-off payment for a specific amount to a specific payee on a specific future date. The example reference journey illustrates account selection occurring in the PISP domain. However, please note that account selection can take place at the ASPSP… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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,… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Account Selection at PISP – Supplementary Info ASPSPs’ journeys may be required to display supplementary information to PSUs. Parity should be maintained between open banking journeys and ASPSPs’ online channel journeys. If supplementary information is not provided to PSUs within the ASPSPs’ online channels, then it must not be provided during an open banking PIS journey. View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Single Domestic Payments – BACS and CHAPS ASPSPs’ journeys may be required to display supplementary information to PSUs. Parity should be maintained between open banking journeys and ASPSPs’ online channel journeys. If supplementary information is not provided to PSUs within the ASPSPs’ online channels, then it must not be provided during an open banking PIS journey. View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Scheduled Payments – Future Dated User Journey PSUs can setup, through PISPs, an instruction to their ASPSPs to make a one-off payment for a specific amount to a specific payee on a specific future date. The example reference journey illustrates account selection occurring in the PISP domain. However, please note that account selection can take place at the ASPSP… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Other Payments 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 Confirmation of Funds for PISP – Y/N 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Confirmation of Funds for PISP – Y/N 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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
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… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
Variable Recurring Payments VRP Payments with an SCA exemption VRPs are defined as a series of payments initiated by a PISP using a long-held consent (“VRP Consent”), where: the VRP Consent must be authorised by the Payment Service User (“PSU”) via Strong Customer Authentication (“SCA”) at their ASPSP (“VRP Consent Setup”), however, each individual payment instructed (“VRP Payment”) using the VRP Consent does… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 VRP Payments under Sweeping Access VRP Payments under sweeping access are a subset of VRP payments with SCA exemption that also has additional constraints: 1. Requires the PISP to attest that the activity meets the standardised definition of sweeping. 2. Requires the use of a specific set of sweeping consent parameters. 3. Requires the application of the ‘Trusted… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 VRP Payments with delegated SCA VRPs are defined as a series of payments initiated by a PISP using a long-held consent (“VRP Consent”), where: the VRP Consent must be authorised by the Payment Service User (“PSU”) via Strong Customer Authentication (“SCA”) at their ASPSP (“VRP Consent Setup”), however, each individual payment instructed (“VRP Payment”) using the VRP Consent does… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 VRP Consent Dashboard & Revocation User Journey PISPs must provide PSUs with a facility to view and revoke VRP consent(s) that they have given to that PISP. PSUs may have agreed to several VRP consents for different ASPSPs with a single PISP. This section describes how these consents should be displayed and how the customer journey to revoke them… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021 VRP – Access Dashboard & Revocation User Journey ASPSPs must provide PSUs with a facility to view and revoke variable recurring payment access that they have given to any PISP for each account held at that ASPSP. This section describes how PISP’s variable recurring payment access should be displayed and how the customer journey to revoke them should be… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
VRP Payments with an SCA exemption VRPs are defined as a series of payments initiated by a PISP using a long-held consent (“VRP Consent”), where: the VRP Consent must be authorised by the Payment Service User (“PSU”) via Strong Customer Authentication (“SCA”) at their ASPSP (“VRP Consent Setup”), however, each individual payment instructed (“VRP Payment”) using the VRP Consent does… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
VRP Payments under Sweeping Access VRP Payments under sweeping access are a subset of VRP payments with SCA exemption that also has additional constraints: 1. Requires the PISP to attest that the activity meets the standardised definition of sweeping. 2. Requires the use of a specific set of sweeping consent parameters. 3. Requires the application of the ‘Trusted… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
VRP Payments with delegated SCA VRPs are defined as a series of payments initiated by a PISP using a long-held consent (“VRP Consent”), where: the VRP Consent must be authorised by the Payment Service User (“PSU”) via Strong Customer Authentication (“SCA”) at their ASPSP (“VRP Consent Setup”), however, each individual payment instructed (“VRP Payment”) using the VRP Consent does… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
VRP Consent Dashboard & Revocation User Journey PISPs must provide PSUs with a facility to view and revoke VRP consent(s) that they have given to that PISP. PSUs may have agreed to several VRP consents for different ASPSPs with a single PISP. This section describes how these consents should be displayed and how the customer journey to revoke them… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021
VRP – Access Dashboard & Revocation User Journey ASPSPs must provide PSUs with a facility to view and revoke variable recurring payment access that they have given to any PISP for each account held at that ASPSP. This section describes how PISP’s variable recurring payment access should be displayed and how the customer journey to revoke them should be… View journey This version was published 3 Years & 8 Months ago 31 Mar 2021