Payment Initiation Services
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Published 4 years ago 31 Mar 2021ASPSPs’ 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.
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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 is not provided within the ASPSPs’ online channels directly to PSUs, then it must not be provided during an Open Banking PIS journey. ASPSPs should also ensure that this information does not constitute an obstacle or additional check on the consent provided by the PSU to the TPP.
Wireframes
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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
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CEG Checklist Requirements 2
PSU payment Account Selection: As perSingle Domestic Payments – a/c selection @ PISP, item #2
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CEG Checklist Requirements 3
PSU Consent to PISP : As per Single Domestic Payments – a/c selection @ PISP, item #3
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CX Considerations 4
As per Single Domestic Payments – a/c selection @ PISP, item #4
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CX Considerations 5
As per Single Domestic Payments – a/c selection @ PISP, item #5
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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.
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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“.
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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).
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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.
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CX Considerations 10
As per Single Domestic Payments – a/c selection @ PISP, item #9
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CEG Checklist Requirements 11
SP Confirmation: As per Single Domestic Payments – a/c selection @ PISP, item #10
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CEG Checklist Requirements 12
Further Payment Status Update: As per Single Domestic Payments – a/c selection @ PISP, item #12
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CX Considerations 13
As per Single Domestic Payments – a/c selection @ PISP, item #11
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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.
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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.
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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 “equal prominence“.
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ASPSPs should display to PSUs any additional payment instruction information received from PISPs together with the supplementary information. This information may include the following:
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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 should display the balance of PSUs payment account (see section Authentication methods for clarification on SCA requirements), provided that they are able to do so on the same authentication screen.
- 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)
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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” 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.
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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
ASPSPs must determine the situations where Supplementary Information is required to be shown to the PSU, having regard to the principle that parity should be maintained between Open Banking journeys and ASPSP direct online channel journeys. Supplementary Information may be required:
- Where fees, charges or Forex apply (e.g single CHAPS international payments).
- Where interest rates apply.
- To display a PSU warning that the relevant payment account will become overdrawn / exceed an overdraft limit as a result of the intended payment.
- If the relevant payment submission cut-off time has elapsed and the ASPSP wishes to offer an execution date/time.
- Where the PSU has been identified by the ASPSPs as a vulnerable customer (who therefore receives tailored journeys and messages in ASPSP’s own online platforms).
- To show value-add information based on functionality implemented by ASPSPs in competitive space which provides positive customer outcome (e.g. cashflow prediction engine).
- For high value transactions using a different payment scheme.
- Where the payments may be duplicated by the customer in a short period (e.g. ASPSP may display a warning that payment appears to be duplicated).
Single Domestic Payments – BACS and CHAPS
This journey can be used to initiate single domestic payment through Bacs or CHAPS, with the chosen payment scheme to be captured and included in the payment order. Thus:
- Minimum Set of Parameters: PISPs must either allow PSUs to specify the Payment Scheme as part of the information they provide to the PISP or pre-populate this information for the PSUs (in use cases where applicable).
- The payment scheme (Bacs, CHAPS, or Faster Payments) will then be included in the PSUs’ consent screen and will be forwarded to the ASPSP as part of the payment order.
- Please note that Faster Payments does not need to be explicitly defined, as it is considered to be the default payment scheme to use when the optional parameter is not defined.
Note: Single Bacs or CHAPS payments may require the display of supplementary information due to cut-off times and potential additional charges.
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