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 a core set of payment initiation journeys.
Other Journeys in ‘v3.1.9’. Get Started Authentication Methods Account Information Services Payment Initiation Services CBPIIs / Card Based Payment Instrument Issuers Dashboards Customer Experience Checklist Appendices Change Log
Single Domestic Payments Account Selection at PISP 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. View journey This version was published 9 Months ago 21 Oct 2021 Account Selection in PISP – Supplementary Info 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. View journey This version was published 9 Months ago 21 Oct 2021 Single Domestic Payments – BACS and CHAPS 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. View journey This version was published 9 Months ago 21 Oct 2021 Account Selection at ASPSP 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. View journey This version was published 9 Months ago 21 Oct 2021 Scheduled Payments – Future Dated 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. View journey This version was published 9 Months ago 21 Oct 2021
Account Selection at PISP 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. View journey This version was published 9 Months ago 21 Oct 2021
Account Selection in PISP – Supplementary Info 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. View journey This version was published 9 Months ago 21 Oct 2021
Single Domestic Payments – BACS and CHAPS 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. View journey This version was published 9 Months ago 21 Oct 2021
Account Selection at ASPSP 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. View journey This version was published 9 Months ago 21 Oct 2021
Scheduled Payments – Future Dated 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. View journey This version was published 9 Months ago 21 Oct 2021
Other Payments Standing Orders 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. View journey This version was published 9 Months ago 21 Oct 2021 International Payments 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 their online payment account. View journey This version was published 9 Months ago 21 Oct 2021 Bulk / Batch Payments Business PSUs can initiate, through PISPs, bulk/batch payments allowing them to make multiple payments from their payment accounts. View journey This version was published 9 Months ago 21 Oct 2021 Multi-authorisation Payments 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). View journey This version was published 9 Months ago 21 Oct 2021 Confirmation of Funds – PISP 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. View journey This version was published 9 Months ago 21 Oct 2021 Payment Refunds 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. View journey This version was published 9 Months ago 21 Oct 2021
Standing Orders 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. View journey This version was published 9 Months ago 21 Oct 2021
International Payments 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 their online payment account. View journey This version was published 9 Months ago 21 Oct 2021
Bulk / Batch Payments Business PSUs can initiate, through PISPs, bulk/batch payments allowing them to make multiple payments from their payment accounts. View journey This version was published 9 Months ago 21 Oct 2021
Multi-authorisation Payments 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). View journey This version was published 9 Months ago 21 Oct 2021
Confirmation of Funds – PISP 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. View journey This version was published 9 Months ago 21 Oct 2021
Payment Refunds 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. View journey This version was published 9 Months ago 21 Oct 2021
Variable Recurring Payments VRP Payments with an SCA exemption VRPs with an SCA exemption is defined as “VRP Payments instructed under a VRP Consent with Consent Parameters that qualify for an SCA Exemption such that, following successful VRP Consent Setup, subsequent individual VRP Payments can be made without further authorisation from the PSU.” View journey This version was published 9 Months ago 21 Oct 2021 VRP Payments under Sweeping Access For the purpose of simplicity, we have defined the term 'Sweeping Consents' and 'Sweeping Payments' to refer to 'VRP Consents' & 'VRP Payments' respectively when they are dealt with under sweeping access. View journey This version was published 9 Months ago 21 Oct 2021 VRP Payments with delegated SCA VRPs with delegated SCA is defined as “VRP Payments that are initiated by the PISP and do not rely on the application of an SCA exemption by the ASPSP, but rather the application of delegated SCA to each individual VRP Payment.” View journey This version was published 9 Months ago 21 Oct 2021
VRP Payments with an SCA exemption VRPs with an SCA exemption is defined as “VRP Payments instructed under a VRP Consent with Consent Parameters that qualify for an SCA Exemption such that, following successful VRP Consent Setup, subsequent individual VRP Payments can be made without further authorisation from the PSU.” View journey This version was published 9 Months ago 21 Oct 2021
VRP Payments under Sweeping Access For the purpose of simplicity, we have defined the term 'Sweeping Consents' and 'Sweeping Payments' to refer to 'VRP Consents' & 'VRP Payments' respectively when they are dealt with under sweeping access. View journey This version was published 9 Months ago 21 Oct 2021
VRP Payments with delegated SCA VRPs with delegated SCA is defined as “VRP Payments that are initiated by the PISP and do not rely on the application of an SCA exemption by the ASPSP, but rather the application of delegated SCA to each individual VRP Payment.” View journey This version was published 9 Months ago 21 Oct 2021