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 their online payment account.

The authentication approach used in this journey replicates journey Single 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 – a/c selection @ ASPSP apply. If all details of the payment order are provided by PISPs and ASPSPs decide not to display any supplementary information, then the principles of Single Domestic Payments – a/c selection @ PISP may also be applied.

 

Wireframes

CEG Checklist Requirements 1

Minimum Set of Parameters: PISPs must either allow PSUs to specify the below minimum set of parameters or pre-populate them (e.g. in cases of supplier invoice payments or eCommerce journeys):
Payment Amount and Currency.
Destination Country.
Instruction Priority (Normal or Urgent).
Payee Account Name.
Payee Account Identification details (e.g.. IBAN) 1.
Payment Reference - This is optional filed but it is good practice to be populated for a payment.
Any supplementary information required which the ASPSP has published as required and is specific to that ASPSP.

CX Considerations 2

PISPs could display an indicative FX rate for the payment currency pair if:
PSUs selected a PSU payment Account or provided PSU payment Account details in item #4.
PSUs provided the currency of the selected PSU payment Account.
In that case, PISPs must clearly indicate to PSUs that the FX rate displayed is indicative and may be different to the FX rate to be provided by their ASPSPs.

If the PISP has the ability to provide any actual FX rate quote to the PSU at this stage (e.g. having implemented a quoting mechanism with the ASPSP) then the PISP should be able to display the actual FX rate to be used for the transaction.

CEG Checklist Requirements 3

If PISPs want to offer PSUs the ability to make an International Scheduled Payment (Future Dated),then PISPs must allow PSUs to select the requested execution date for the payment, or pre-populate this information as part of the payment order request.

CEG Checklist Requirements 4

PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item #2.

CEG Checklist Requirements 5

PSU Consent to PISP: PISPs must request for the PSUs' consent to the payment in a clear and specific manner. PISPs must display the following information in the consent screen:
Payment Amount and Currency.
Destination Country.
Instruction Priority (Normal or Urgent).
Payee Account Name.
Requested Payment Execution Date (same day processing or future date).
Payment Reference and any supplementary info, 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).
Note 1: If PSU payment Account identification is selected in item #2, PISPs should mask the PSU payment Account details on the consent screen. Otherwise, if the PSU payment Account identification has been input by PSUs in item #2, PISPs should not mask these details to allow PSUs to check and verify correctness
Note 2: If PSU payment Account identification is provided by PSUs in item #2, PISPs could use this to identify and display the ASPSP without having to ask PSUs
For Payee Account Identification details (e.g. IBAN) 1.
If this has been provided by PSUs in item #1, then PISPs must also display this in the consent screen to allow PSUs to check and verify correctness.
If this has been pre-populated by PISPs (e.g. in a eCommerce payment scenario) PISPs could choose whether to display this information or not .

CX Considerations 6

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

CX Considerations 7

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

CEG Checklist Requirements 8

As per Single Domestic Payments – a/c selection @ PISP, item #8.

CEG Checklist Requirements 9

Supplementary Information / Additional Payment Order Details
ASPSPs must be able to introduce a step as part of the authentication journey to display supplementary information associated with that payment, if required. Moreover, ASPSPs must allow the PSU to provide additional details related to the payment order during the authentication journey (authentication and supplementary information screens) such as for example, the account for the payment. The information to be provided in the supplementary information / additional payment order details screen may include:
PSU payment Account Identification.
Payee Account Name.
Payment Reference.
Payee Account Identification details (e.g. account number and sort code or additionally roll number or full IBAN).
Country.
Payment Currency.
Payment Amount.
FX currency pair and rate.
Charges model (BEN/SHA/OUR) (for definitions please refer to appendix section PIS parameters and considerations).
Payment priority (Normal or Urgent).
Payment Execution Date (same day processing or future date).

CX Considerations 10

ASPSPs must display to the PSU the FX currency conversion rate to be used for the payment order. This FX rate can be:
Indicative - In this case ASPSPs must clearly inform PSUs that the FX rate is indicative and may be different than the actual rate that will be used for the payment order.
Actual - ASPSPs must clearly inform PSUs for the validity period of this actual FX rate. If the payment order is not submitted within the validity window of the FX, then a new actual FX quote must be displayed. If PSUs confirm the payment but the payment order submitted by PISPs is not submitted within validity period, ASPSPs could choose to either reject the payment or process it at the agreed FX rate.
ASPSPs could display the payment amount in the PSU payment Account currency (from applying the FX rate).

CX Considerations 11

ASPSPs must ensure that charges related to international payments are provided to PSUs as agreed in the framework contract.
Note1: Any provision of charges can only be those of the ASPSP as the Beneficiary's bank charges are not known in many cases.
Note 2: Where the final charges are not known to the ASPSP, the responsibility should remain with the ASPSP for notifying the customer of the charges as per the PSD2 regulatory requirements.

CX Considerations 12

Other Options:
ASPSPs should display the Final Debit Amount (including charges) in PSU payment Account currency.
ASPSPs could display the expected Value Date for the international payment.

CX Considerations 13

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“.
Note: In cases of future dated payments, PSUs are able to cancel the payments as described in section Scheduled International Payments (Future Dated).

CX Considerations 14

ASPSPs must allow PSUs to review the information described in items #9, #10, #11 & #12. The PSU can either proceed with the payment or cancel it, on the same screen using options with "equal prominence".

CX Considerations 15

As per Single Domestic Payments – a/c selection @ PISP, item #9.

CEG Checklist Requirements 16

PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10.

In addition, PISPs must display to PSUs the actual FX rate used for the international payment transaction if this information has been provided by the ASPSP.

CX Considerations 17

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

CEG Checklist Requirements 18

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

Requirements and Considerations

CEG Checklist Requirements & CX Considerations

Minimum Set of Parameters:

PISPs must either allow PSUs to specify the below minimum set of parameters or pre-populate them (e.g. in cases of supplier invoice payments or eCommerce journeys):

Payment Amount and Currency.
DestinationCountry.
Instruction Priority (Normal or Urgent).
Payee Account Name.
Payee Account Identification details (e.g.. IBAN) 1.
Payment Reference – This is optional filed but it is good practice to be populated for a payment.
Any supplementary information required which the ASPSP has published as required and is specific to that ASPSP.

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PISPs could display an indicative FX rate for the payment currency pair if:

  • PSUs selected a PSU payment Account or provided PSU payment Account details in item #4.
  • PSUs provided the currency of the selected PSU payment Account.

 In that case, PISPs must clearly indicate to PSUs that the FX rate displayed is indicative and may be different to the FX rate to be provided by their ASPSPs.

If the PISP has the ability to provide any actual FX rate quote to the PSU at this stage (e.g. having implemented a quoting mechanism with the ASPSP) then the PISP should be able to display the actual FX rate to be used for the transaction. 

If PISPs want to offer PSUs the ability to make an International Scheduled Payment (Future Dated),then PISPs must allow PSUs to select the requested execution date for the payment,or pre-populate this information as part of the payment order request.

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PSU payment Account Selection: As per Single Domestic Payments – a/c selection @ PISP, item #2.

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PSU Consent to PISP:

PISPs must request for the PSUs’ consent to the payment in a clear and specific manner. PISPs must display the following information in the consent screen:

  • Payment Amount and Currency.
  • DestinationCountry.
  • Instruction Priority (Normal or Urgent).
  • Payee Account Name.
  • RequestedPaymentExecution Date (same day processing or future date).
  • Payment Reference and any supplementary info, 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).
    • Note 1: If PSU payment Account identification is selected in item #2, PISPs should mask the PSU payment Account details on the consent screen. Otherwise, if the PSU payment Account identification has been input by PSUs in item #2, PISPs should not mask these details to allow PSUs to check and verify correctness
    • Note 2: If PSU payment Account identification is provided by PSUs in item #2, PISPs could use this to identify and display the ASPSP without having to ask PSUs

For Payee Account Identification details (e.g. IBAN) 1.

  • If this has been provided by PSUs in item #1, then PISPs must also display this in the consent screen to allow PSUs to check and verify correctness.
  • If this has been pre-populated by PISPs (e.g. in a eCommerce payment scenario) PISPs could choose whether to display this information or not.

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Supplementary Information/ Additional Payment Order Details

ASPSPs must be able to introduce a step as part of the authentication journey to display supplementary information associated with that payment, if required. Moreover, ASPSPs must allow the PSU to provide additional details related to the payment order during the authentication journey (authentication and supplementary information screens) such as for example, the account for the payment. The information to be provided in the supplementary information / additional payment order details screen may include:

  • PSU payment Account Identification. 
  • PayeeAccountName.
  • PaymentReference.
  • Payee Account Identificationdetails (e.g. account number and sort code or additionally roll number or full IBAN).
  • Country.
  • PaymentCurrency.
  • PaymentAmount.
  • FXcurrency pair and rate.
  • Charges model (BEN/SHA/OUR) (for definitions please refer to appendix section PIS parameters and considerations.
  • Payment priority (Normal or Urgent).
  • Payment Execution Date (same day processing or future date).

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ASPSPs must display to the PSU the FX currency conversion rate to be used for the payment order. This FX rate can be:

  • Indicative – In this case ASPSPs must clearly inform PSUs that the FX rate is indicative and may be different than the actual rate that will be used for the payment order. 
  • Actual – ASPSPs must clearly inform PSUs for the validity period of this actual FX rate. If the payment order is not submitted within the validity window of the FX, then a new actual FX quote must be displayed. If PSUs confirm the payment but the payment order submitted by PISPs is not submitted within validity period, ASPSPs could choose to either reject the payment or process it at the agreed FX rate.

ASPSPs could display the payment amount in the PSU payment Account currency (from applying the FX rate).

ASPSPs must ensure that charges related to international payments are provided to PSUs as agreed in the framework contract.

Note1: Any provision of charges can only be those of the ASPSP as the Beneficiary’s bank charges are not known in many cases.

Note 2: Where the final charges are not known to the ASPSP, the responsibility should remain with the ASPSP for notifying the customer of the charges as per the PSD2 regulatory requirements.

Other Options:

  • ASPSPs should display the Final Debit Amount (including charges) in PSU payment Account currency.
  • ASPSPs could display the expected Value Date for the international payment.

ASPSPsshouldinform 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“.

Note: In cases of future dated payments, PSUs are able to cancel the payments as described in section Scheduled International Payments (Future Dated).

ASPSPs must allow PSUs to review the information described in items #9, #10, #11 & #12. The PSU can either proceed with the payment or cancel it, on the same screen using options with “equal prominence”.

PISP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10

In addition, PISPs must display to PSUs the actual FX rate used for the international payment transaction if this information has been provided by the ASPSP.

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

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Additional Information

Examples of international payments covered by OBIE PIS functionality include:

  • SEPA Credit Transfer payments. 
  • SEPA Instant Credit Transfer payments (where appropriate).
  • Correspondent payments / SWIFT Payments – Single Customer Credit Transfer MT103 (single payment).
  • International transfers (PSU’s domestic account to PSU’s overseas account).
  • Currency account transfers (i.e. IATs in currency).
  • RTGS on Target2 payments.
  • EBA Euro1 payments.

The FX currency conversion rates applicable to international payments and the charges incurred by PSUs constitute supplementary information and thus the international payments journey follows the same approach as the one-off domestic single payment with supplementary information.

There are a large number of parameters that may need to be specified for an international payments journey. These depend on a number of factors such as the beneficiary country, currency, payment scheme, charges model and others. The basic journey shown in this section is based on a single SEPA Euro payment in the EEA. Further options are explained in the options section and in the Appendix section PIS parameters and considerations.

Scheduled International Payments (Future Dated)

This Journey can be used to initiate single future dated international payments. In this case, the execution date of the payment is captured by PSUs and included in the payment order. Thus:

  • Minimum Set of Parameters: PISPs must either allow PSUs to specify the selected execution date for the payment by the ASPSPs or pre-populate this information for the PSUs (in use cases where applicable).
  • The execution date will then be included in the PSUs’ consent screen and will be forwarded to ASPSPs as part of the payment order.
  • OBIE Standards do not currently support the amendment or cancellation of Future Dated International Payments via PISPs. PSUs have to go to their ASPSPs’ direct online channel in order to amend or cancel these payments, where supported. In these cases cancellation must be allowed up to and including the business day prior to execution of the payment order by the ASPSP.

In general for this type of payment, both principles of journeys International Payments and Single Domestic Scheduled Payments.apply.

International Standing Orders

International Standing Orders can be setup by combining the principles described in journeys International Payments and Standing Orders. In this case, the Standing Order Schedule for the international payments is captured by PSUs and included in the international payments order. Please refer to item #2 of journey Standing Orders.

What the research says:

“Consumer research has shown that people find a recognisable ASPSP login page and process reassuring and increases their confidence in the journey.

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