Page Comparison

COP-1

Single Instant Payment Consent

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Single-Instant-Payment-Consent except for:

• Payee Identification details

TPPs MUST:

1.1 Enable Payee Identification using one of the following options:

• 1.1.1 IBAN: In this case the information required for the payee is:

  • IBAN of the Payee

  • 1.1.1 TPPs MUST identify the holding entity by decoding the IBAN and MUST NOT ask Users to provide it or select from a list.

• 1.1.2 Account Number (Domestic): In this case the information required for the payee is:

  • Account Number of the Payee. This is the 12 or 14 digits domestic account number of the payee with their LFI.

  • The Payee account holding entity. TPPs MUST enable Users to identify the holding entity using its trading name which is familiar to Users. The trading name MUST correspond to a valid IBAN Bank Code.

1.2 Ensure that the format and the validation rules of the Payee Identification details are correct, when Users manually enter the Payee Identification details. If incorrect, TPPs MUST request Users to review and re-enter the information.

COP-2

Consent Staging

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Consent-Staging

COP-3

Hand-off to LFI

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Hand-off-to-LFI

COP-4

Authentication

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Authentication

COP-5

Confirmation/ Authorization

COP Service

LFIs MUST:

5.1 Request the OFP to perform Confirmation of Payee for the Payee Identification provided in the staged payment Consent. This may be required when:

• The payee identificaiton has been provided in the payment consent using the IBAN or the domestic Account number format.

• The User’s LFI js unable to search and identify a verified Payee Name internally (Intra-LFI payments) or by checking on the User’s Beneficiaries List

• Any other reason the User’s LFI identifies necessary in order to avoid any misdirected payments

5.2 Provide the necessary information to the OFP to perform the Confirmation of Payee service. This informaiton include:

• Payee Identification details (as specified in 1.1 above)

OFP MUST:

5.3 Identify the the Payee’s Account Holding LFI by using the Payee’s Account Holding code inclued in the payment Consent.

5.4 Make a Customer Data Request to the Payee’s LFI, using the appropriate API endpoint and specifying the Payee Account in IBAN or domestic account number format. The data permissions the the OFP request include the following:

• Account Name (including First Name and Surname)

5.5 Provide back to the User’s LFI the Account Name information received by the Payee’s LFI as the outcome of the Confirmation of Payee service request.

LFIs MUST:

5.6 Add to the Single Instant Payment (SIP) Consent the Payee Account Name returned by the Confirmation of Payee service, without masking.

5.7 Display the masked Payee Account Name (First and Surname) in the minimum required information for authorizing the Single Instant Payment (SIP) Consent.

5.8 Allow Users to abort the payment journey if the displayed masked Payee Account Name (First and Surname) is not the one they intended to pay.

COP No Return of Data/Error

LFIs MUST:

5.9 Inform the User that the Payee Name cannot be verified due to error in the Confirmation of Payee service. LFIs MUST provide the appropriate error message for the failure.

5.10 Inform the User about the risk of proceeding with making the payment without confirming the Payee and advise that the payment journey should be aborted and User redirected back to TPP.

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Confirmation%2F-Authorization

COP-6

Payment Initiation

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Payment-Initiation

COP-7

Payment Status Update

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Payment-Status-Update

COP-8

Hand-off back to the TPP

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Hand-off-back-to-the-TPP

COP-9

Confirmation to User

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Confirmation-to-User

COP-10

Payment Notifications

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1draft3/pages/70091893/Single+Instant+Payment#Payment-Notifications