TPP and User Events to Agree to Initiate Payments

Nov 22, 2024

The TPPs MUST require Users to agree there will be one (or more) event(s) that the TPP will use to signal the User’s agreement for a payment initiation to be processed under the Multi-Payments consent.

Examples of these events could be the following:

• A User stating a single-purpose secret word / number string to a merchant, where the secret word / number string frequently changes and is known only to the User and the merchant via a secure channel

• A User tapping a wrist band (that features a RFID feature) on a scanner of a merchant 

• A user ordering a coffee at a merchant’s kiosk, where the User has registered with the merchant’s app via a smart device and where the merchant can detect the User’s device is present at the kiosk.

• A User, and the license plate of their vehicle, both of which are registered with a merchant's mobile app, is having their vehicle refuelled at the same merchant’s petrol pump, and their vehicle's license plate is recognized by the merchant's cameras as being present while a fuelling request was made.

TPPs MUST require one (or more) event(s) to demonstrate the User's agreement for a payment initiation to be processed. The event(s) will be agreed between TPPs and Users to be the qualifying conditions for each payment initiation to be considered as agreed to be processed.

The nature of these agreement events MUST be presented to Users while providing the initial, explicit consent for the long-lived Multi-payment consent to exist with their designated LFI. 

The event(s) applicable to any payment initiated by TPPs under a Multi-Payment MUST be recorded and stored by the TPPs in the case of a dispute case being raised about the payment (initiation).