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Multi-Payments

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Multi-Payments

Owned by Chris Michael
Last updated: 11 Dec 2024 by Rajeev Walia
37 min read

1. Description

Multi-Payments are defined as a series of payments initiated by a TPP based on either a fixed, variable or no schedule with each payment being either of fixed or variable amount. Multi-Payments use a long-lived Payment Consent, which enables Users to grant TPPs with long-lived access to their payment accounts for the purpose of instructing a series of such payments on their behalf, without the need for the User to authenticate each individual payment with the LFI.

The main payment types supported by the Multi-Payments functionality are:

  • Fixed Recurring Payments (FRPs)

  • Variable Recurring Payments (VRPs)

  • Combined Payments (Recurring Payments with a One-Time Setup)

1.1. Long-Lived Payment Consent

The Long-lived consent type is further categorized based on the consent payment parameters as shown in the following table:

Consent Type

Relevant Use Cases

Multi-Payments Type

Payment Amount

Payment Schedule

Typical Usage Examples

Consent Type

Relevant Use Cases

Multi-Payments Type

Payment Amount

Payment Schedule

Typical Usage Examples

Long-lived

Fixed Recurring Payments (FRPs)

 

Fixed Recurring

Fixed (known)

Fixed (known)

  • Person-to-Person (P2P) standing orders

  • Person-to-Merchant (P2M) monthly subscription

  • Installment payments

  • Buy Now, Pay Later (BNPL)

Variable Recurring Payments (VRPs)

 

Fixed On-demand

Fixed (known)

Variable (unknown)

Account top-up

Variable Recurring Payments (VRPs)

 

Variable Recurring

Variable (unknown)

Fixed (known)

P2M utility payments

Variable Recurring Payments (VRPs)

 

Variable On-demand

Variable (unknown)

Variable (unknown)

  • Account Sweeping

  • Cab booking App

Variable Recurring Payments (VRPs)

 

Fixed-defined

Fixed (known)

Fixed (known - predefined list of dates)

  • Installment payments (payment plan)

Variable Recurring Payments (VRPs)

 

Variable-defined

Variable (unknown)

Fixed (known - predefined list of dates)

  • Project completion-based payments

Combined Payments (Recurring Payments with a One-Time Setup)

Combined

Known and Fixed or Variable

 Instant and Fixed or Variable

  • Instalments with a different initial payment (payment plan with down-payment)

  • Two P2M payments (instant & future)

1.2 Debtor and Creditor Segments

The scope of the Multi-Payments bank service initiation related to the segments of debtors and creditors is shown below:

Debtor

Creditor

Debtor

Creditor

Consumer

SME

Corporate

Consumer

SME

Corporate

1.3 Fixed Recurring Payments (FRPs) - Example User Story

User Story

As a User (Consumer or Business),

I want to provide my consent to a TPP to set up a sequence of future recurring payments of fixed amounts with a fixed schedule to a domestic beneficiary account owned by a business or an individual,

so that I can arrange to pay the relevant beneficiary automatically without the need for me to initiate the payment every time.

Fixed Recurring Payments (FRPs) are defined as a series of fixed payments initiated by a TPP based on a periodic schedule, using a long-lived Fixed Recurring Payment (FRP) Consent. The Fixed Recurring Payment Consent enables Users to grant a long-lived consent to a TPP for the purpose of instructing a series of payments on their behalf, without the need for the User to authenticate each individual payment with the LFI.

1.4 Variable Recurring Payments (VRPs) - Example User Story

User Story

As a User (Consumer or Business),

I want to use a TPP to set up a sequence of future payments of fixed or variable amounts from my payment account with a fixed or variable schedule, to a domestic beneficiary account owned by a business or an individual,

so that I can arrange to pay the relevant beneficiary automatically without the need for me to initiate the payment every time.

VRPs are defined as a series of payments initiated by a TPP using a Long-lived payment consent. The Multi-Payments type for this use case may be one of the following types:

  • Fixed On-demand Consent: A long-lived consent that MUST be used for a series of future payments occurring on an unspecified schedule and each payment is of the same amount.

  • Variable Recurring Consent: A long-lived consent that MUST be used for a series of future payments occurring at a predefined periodic schedule and each payment is of different amount which is unknown at the point of consent.

  • Variable On-demand Consent: A long-lived consent that MUST be used for a series of future payments occurring on an unspecified schedule and each payment is of different amount which is unknown at the point of consent.

  • Fixed-defined Consent: A long-lived consent that MUST be used for a series of future payments occurring on a predefined schedule (predefined list of dates) AND each payment is of different amount which is pre-defined and known at the point of consent.

  • Variable-defined Consent: A long-lived consent that MUST be used for a series of future payments occurring on a predefined schedule (predefined list of dates) AND each payment is of different amount which is not known at the point of consent, but it is capped to a maximum pre-defined value.

In summary, for VRPs:

  1. The Payment Consent MUST be authorized by the User via Multi-Factor Authentication (MFA) at their LFI (“VRP Consent Setup”). However, each individual payment instructed by the TPP using the Long-lived Consent does not require MFA of the User by the LFI.

  2. The creditor is fixed but the timing or amount of each payment does not need to be fixed during the VRP Consent Setup. Instead, it is subject to the constraints of certain parameters (“Consent Control Parameters”), agreed between the TPP and the User, which are enforced by the OFP.

  3. The Consent Control Parameters are included within the Consent. Therefore, they are subject to the LFI requiring MFA of the User, as part of the Consent Setup.

1.5 Combined Payments (Recurring Payments with a One-Time Setup)

TPPs MUST be able to support use cases where Users need to make an initial payment and then require the ability to make further payments on a recurring basis as part of a single Consent request.

A single request can include the consent for a SIP combined with the consent for FRPs or VRPs, which can be authorized by the User with the LFI in a single authentication/authorization flow. The User (Consumer or Business) makes one initial payment and authorizes further recurring payments of a fixed or variable amount with a fixed or variable schedule to a business or a personal beneficiary.

This functionality requires a Long-lived Consent. The consent parameter type for this functionality is Combined Payment Consent, which is a long-lived consent that MUST be used for a combination of a single instant payment and a series of future payments of fixed or variable amounts occurring at fixed or variable schedule.

1.5.1 Example User Story

User Story

As a User (Consumer or Business),

I want to provide my consent to a TPP to use my payment account for initiating both:

  • a Single Instant Payment of a fixed amount and;

  • a sequence of future recurring payments of fixed or variable amounts with a fixed or variable schedule to a domestic beneficiary account owned by a business or an individual,

so that I can pay an instant down-payment and allow the remaining future payments of my payment plan to the relevant beneficiary.

1.6 TPP and User Events to Agree to Initiate Payments

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).

1.7 Multi-Payments to Variable Beneficiaries

The long-lived Multi-Payments Consent can be extended to include payments to variable beneficiaries. This can be of one of 2 types:

Multi-Payment Type

Explicit Authorization

Beneficiary

Multi-Payments Type

Typical Usage Examples

Multi-Payment Type

Explicit Authorization

Beneficiary

Multi-Payments Type

Typical Usage Examples

Fixed Recurring Payments (FRPs)

or

Variable Recurring Payments (VRPs)

No

Variable-defined (known - predefined list of Beneficiaries)

Implicit-Auth Variable-defined Beneficiary (IAVDB)

Automated PFM/BFM & sweeping and account top-ups

Yes

Variable (unknown)

Explicit-Auth Variable Beneficiary (EAVB)

Payment app POS payments or sweeping

1.7.1 Implicit-Auth Variable-defined Beneficiary (IAVDB) Multi-Payments - Example User Story

1.7.2 Explicit-Auth Variable Beneficiary (EAVB) Multi-Payments - Example User Story

1.7.3 Prerequisites for Variable Beneficiary Multi-Payments

1.7.3.1 Liability Model

The liability model must be updated for the case of Variable Beneficiary Multi-Payment Consents. TPPs are expected to be fully liable for any disputes with Users in relation to unauthorized payments.

1.8 Balance Check Permission

The long-lived Multi-Payments Consent will also include the User’s consent (i.e. agreement) for Balance Check, which allows TPPs to check the balance of the User’s Payment account before initiating a payment as part of a long-lived Multi-Payments Consent.

This capability allows TPPs to:

  • check the balance in advance of payments to be initiated as part of the Multi-Payments Consent and ask Users to take remedial actions, if the funds are insufficient.

  • display the balance to Users at the point of initiating a payment.

1.9 Using Fixed-defined Consent for Single Future Dated Payment (FDP)

TTPs are able to use a Fixed-defined Payment Consent as an alternative way to setup a Single Future Dated Payments (FDP). To achieve this, TPPs can setup a Fixed-defined Payment Consent with a single entry in the Predefined Payments Schedule as defined in Multi-Payments | 8.2.3 Fixed defined & Variable defined Payments & Schedule.

For example a Predefined Payment Schedule with a single entry of {(1st Jan-24, AED 10)}, will setup a Payment Consent for a single Future Dated Payment (FDP) of 10 AED to be initiated on the 1st Jan-24.

As with all long-lived consent Multi-Payments, the scheduling of the FDP payment will be the responsibility of the TPP. This provides additional flexibility and full control on the TPP allowing Users to manage the FDP from the TPP without having to use the LFI’s internet banking or mobile banking channels.

2. User Journey

2. User Journey (MPs) AlexD v3.png

3. Customer Experience

3.1 Consent Setup

3.1.1 Variable Recurring Payments (VRPs) - Variable On-demand Consent

image-20241206-085900.png

3.2 Rules & Guidelines

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Step

Rules & Guidelines

#

Step

Rules & Guidelines

MPCS-1

Multi-Payments Consent

Basic Consent Parameters

TPPs MUST:

1.1 Enable Users to provide and review the parameters related to the initiation of a series of Multi-Payments they need to consent to. These parameters include:

Note: Depending on the use case the Creditor details may not be displayed to the User in full. However, these need to be part of the payment request sent by the TPP to the LFI.

 

Fixed Recurring Payments (FRPs) Consent

 

Variable Recurring Payments (VRPs) - Fixed On-demand Consent

 

Variable Recurring Payments (VRPs) - Variable Recurring Consent

 

Variable Recurring Payments (VRPs) - Variable On-demand Consent

 

Variable Recurring Payments (VRPs) - Fixed-defined Consent & Variable-defined Consent

 

Additional Consent Parameters

1.2 Set/no set Is Single Authorization flag as appropriate (as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#7.-Is-Single-Authorization-flag).

1.3 Set the Authorization Expiry Date Time (as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#8.-Authorization-Time-Window) if there are specific timing requirements that must be met for the consent authorization. This is also relevant to cases where multiple authorizers are required to authorize the payment consent.

  • 1.3.1 For Fixed Recurring Consent and Variable Recurring Consent, the Authorization Time Window MUST be less than the time of the first payment in the Periodic Payment Schedule.

  • 1.3.2 For Fixed-defined & Variable-defined Consent, the Authorization Time Window MUST be less than the time of the first payment in the Fixed-defined & Variable-defined Payments Schedule.

1.4 Set/clear the “Is Pay By Account” flag as appropriate in the case the initiated payment Consent relates to payments at POS or e-commerce payments.

1.5 Set the Risk Information Block (as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#9.-Risk-Information-Block)

 

1.6 Enable Users to provide explicit consent for the initiation of a series of future Multi-Payments of fixed or variable amounts based on a fixed periodic schedule or a variable schedule from their online payment account held at their LFI as per the payment parameters specified in the consent.

 

Balance Check Permission

1.7 Acquire permission to check the balance of the payment account before initiating a payment.

MPCS-2

Consent Staging

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#10.-Consent-Staging

MPCS-3

Hand-off to LFI

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#11.-Hand-off-to-LFI

Example wording to use: ‘We will securely transfer you to YOUR LFI to authorize the payment setup“.

MPCS-4

Authentication

LFI Authentication Only

4.1 As per the following sections:

Centralized Authentication and Authorization (Federated) Only

4.2 As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210797711

MPCS-5

Authorization

LFIs MUST:

5.1 Enable Users to authenticate using Multi-Factor Authentication (MFA) in order to review and authorize the long-lived payment Consent.

5.2 Retrieve from the OFP the payment Consent details staged by the TPP using the unique Consent Identifier.

5.3 Allow Users to select a payment account for the initiation of the multi-payments, if this was not provided in the retrieved staged Payment Consent details as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#12.-Payment-Account-Selection-at-LFI

  • 5.3.1 Allow Users to select a payment account for the initiation of the multi-payments even if it has insufficient funds at the time of the payment Consent authorization. This allows Users to fund the payment accounts appropriately before the dates of the payment initiation. However, the LFIs MUST inform the User, if the selected payment account has insufficient funds.

5.4 NOT earmark (i.e. block) any funds related to the payment Consent in the Users' payment account at the point of Consent authorization.

5.5 Check the authorization status of the selected payment account is in accordance with the TPPs' Is Single Authorization flag as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#7.-Is-Single-Authorization-flag.

5.6 Display to Users the TPP Trading Name of the TPP that initiated the long-lived payment Consent.

  • 5.6.1 If there are customer-facing service providers (e.g. Merchants) who are not TPPs but have commercial relationships with TPPs, the LFIs MUST display the customer-facing service provider name along with the TPP trading name.

5.7 Present to Users the following minimum required information for authorizing the long-lived payments Consent:

  • User Payment Account

  • Creditor Identification details (one or more if included in the Consent e.g. for Variable-defined)

    • For Variable Beneficiaries, a message stating the Payee will be specified and validated during the payment initiation

  • Debtor Reference (Optional)

  • Consent Reference

  • Purpose of Payment

  • Payment Amount & Currency (if relevant, depending on the type of the long-lived payment Consent)

  • Consent Controls Parameters (if relevant, depending on the type of the long-lived payment Consent)

  • Consent Control Period & Start Date (if relevant, depending on the type of the long-lived payment Consent)

  • The Payment Schedule (Periodic or Fixed-defined or Variable-defined) (if relevant, depending on the type of the long-lived payment Consent)

  • Consent Expiration Date & Time

5.8 Request Users to authorize the Multi-payments Consent, so that TPP can initiate payments from the payment account.

  • 5.8.1 Request Users to additionally authorize the Balance Check Permission, in the case that TPPs have requested permission to check the balance of the Users' payment accounts.

5.9 Provide Users the ability to cancel the payment journey, if Users decided to terminate the request. The LFI MUST hand-off the Users back to the TPP, providing the necessary error message to the OFP and reject the Multi-payments Consent.

5.10 Change the state of the payment Consent from Awaiting Authorization to Authorized when all Authorizers (one or more) have authorized the payment Consent.

5.11 Update the payment Consent details stored in the OFP with the relevant information.

 

OFP MUST:

5.12 Check the Authorization Time Window is valid as per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1final/pages/151850813/Common+Rules+and+Guidelines#19.-Check-Authorization-Time-Window.

5.13 Confirm back to the LFIs that the payment Consent details have been updated successfully.

5.14 Start tracking the Consent Control Parameters for the Control Period at the Control Period Start Date, if provided, or the Consent creation Date otherwise. The Control Period starts from 00:00:00 of the day and ends at 23:59:59 of the Control Period end day, calculated based on the Control Period type as defined in Multi-Payments | 8.3.2 VRP Consent Control Period & Start Date.

 

Multi-Authorization Journey Only

5.15 As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#18.-Multi-User-Authorization-Flow

MPCS-6

Hand-off back to the TPP

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#14.-Hand-off-back-to-the-TPP

MPCS-7

Confirmation to User

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#16.-Confirmation-to-User

3.3 Journey Variations

3.3.1 Fixed Recurring Payments (FRPs) Consent

3.3.2 Variable Recurring Payments (VRPs) - Fixed On-demand Consent

3.3.3 Variable Recurring Payments (VRPs) - Variable Recurring Consent

3.3.4 Variable Recurring Payments (VRPs) - Fixed-defined Consent

3.3.5 Variable Recurring Payments (VRPs) - Variable-defined Consent

3.3.6 Variable-defined Beneficiary (IAVDB) Multi-Payments

3.3.7 Variable Beneficiary (EAVB) Multi-Payments

3.4 COP Service for Multi-Payments Consent

3.4.1 COP Service for fixed or variable-defined Beneficiaries

3.4.2 COP Service for variable Beneficiaries

4. Balance Check

Prior to Payment Initiation, TPPs can optionally check the balance of the account for sufficient funds for the payment and display the balance to Users, subject to have received Balance Check permission during the Multi-Payments Consent setup.

#

Step

Rules & Guidelines

#

Step

Rules & Guidelines

MPBAL-1

Balance Check

TPPs MUST:

1.1 Be able to request balance information using the authorized Multi-payment Consent before initiating a payment.

1.2 Use this capability only in relation to the Payment initiation steps to follow.

1.3 NOT use this capability as an alternative for Account Information Service, for example, to satisfy use cases like Personal Finance Manager (PFM), where the account balance is being refreshed periodically.

1.4 Make the Balance Check request not earlier than 24 hours from when a scheduled payment is to be initiated.

MPBAL-2

Balance Check Request Processing

LFIs MUST:

2.1 Provide the OFP with the the information related to the balance of the User's account, which was used for authorizing the Multi-Payment Consent. This information MUST be the same information as defined under the Balances permission in https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800188/Customer+Data#6.3-Data-Cluster-Structure-%26-Language.

OFP MUST:

2.2 Provide TPPs with all the available information in relation to the Balance Check request.

2.3 Send an appropriate error response to TPPs in case the Balance Check request was not successful.

5. Payment Initiation

#

Step

Rules & Guidelines

#

Step

Rules & Guidelines

MPPI-1

Payment Initiation

Variable Beneficiaries Only

TPPs MUST:

1.1 NOT submit to OFP any payment initiation requests in relation to an authorized Multi-payment Consent with Variable Beneficiaries if the User authorization conditions have not been met.

1.2 Present to Users for each payment initiation the following minimum required information:

1.3 Ensure that all required authorization conditions as agreed with the User during the Consent setup are met.

1.4 Generate a unique identifier for the transaction that links the Users’ authorization factors with the payment details (i.e. amount and creditor identification). TPPs MUST generate an audit trail of the User’s payment initiation actions during the session. TPPs MUST have all required records as evidence required as listed in the liability model.

1.5 Provide Users the ability to abort the payment journey, if Users decided to terminate the request.

Scheduled Multi-Payments Only (Fixed Recurring Payment Consent, Variable Recurring Consent, Fixed-defined and Variable-defined Consent)

TPPs MUST:

1.6 Submit to OFP payment initiation requests on the scheduled dates defined in the Periodic or the Fixed-defined or the Variable-defined Payment Schedule of the long-lived Payment Consent authorized by the User.

1.7 Schedule the execution time of the payments related to the Periodic or the Fixed-defined or the Variable-defined Payment Schedule to occur during time periods of low payment volume such as the early hours of the day as defined in https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/edit-v2/210800530#Schedule-Payments-Time-Window, unless there are specific requirements based on their business case.

TPPs MUST:

1.8 Submit to OFP payment initiation requests with the same fixed parameters as per the long-lived Payment Consent authorized by the User.

1.9 Submit to OFP payment initiation requests with variable parameters within the allowable limits of the Consent Controls as per the long-lived Payment Consent authorized by the User.

1.10 Include in each one of the payment initiation requests the same Debtor Reference as specified in the authorized long-lived Payment Consent, as the default value, if previously provided. However, this may be overwritten by a new Debtor Reference provided by the User or the TPP, if relevant, for each payment initiation request.

1.11 Include in each of the payment initiation requests a Creditor Reference. This MUST be populated as follows:

  • 1.11.1 If the Creditor Reference in the authorized long-lived Payment Consent was provided by the User, TPPs MUST use the same Creditor Reference for every payment initiated under the long-lived Payment Consent.

  • 1.11.2 If the Creditor Reference in the authorized long-lived Payment Consent was pre-populated by the TPP, TPPs can:

    • EITHER use the same Creditor Reference for every payment initiated under the long-lived Payment Consent

    • OR pre-populate the Creditor Reference with different information for every payment initiated under the long-lived Payment Consent based on the requirements of the TPPs or their servicing customers.

VRPs Only

TPPs MUST:

1.12 NOT submit any payment initiation requests of amount more than the maximum payment value per payment initiation, if specified in the long-lived Payment Consent for VRPs.

1.13 Keep track of the cumulative value of all payment initiations and NOT submit any VRP payment initiation requests that will result in exceeding the maximum limit, if specified in the long-lived Payment Consent for the VRPs.

1.14 Keep track of the maximum cumulative number of all payment initiation and NOT submit any VRP payment initiation requests that will result in exceeding the maximum limit, if specified in the long-lived Payment Consent for the VRPs.

1.15 Keep track of the cumulative payment value of all payment initiations per time window and NOT submit any VRP payment initiation requests that will result in exceeding the maximum limit, if specified in the long-lived Payment Consent for the VRPs.

1.16 Keep track of the cumulative payment volume of payment initiations per time window and NOT submit any VRP payment initiation requests that will result in exceeding the maximum limit, if specified in the long-lived Payment Consent for the VRPs.

Variable-defined Beneficiaries Only

1.17 Include in each of the payment initiation requests one of the Creditor Identification details included in the Pre-defined Beneficiary List, as defined in Multi-Payments | 8.5.1 Payee Identification for Variable defined Beneficiaries

Variable Beneficiaries Only

1.18 Include in each of the payment initiation requests the Creditor Identification details, which were not provided as part of the long-lived Payment Consent authorized.

1.19 Include in each of the payment initiation requests the unique identifier for the transaction related to the User’s authorization of the payment details

MPPI-2

Processing of Payment Initiation Requests

OFP MUST:

2.1 Allow the TPPs to submit individual payment initiation requests under the long-lived Payment Consent authorized by the User, without any additional MFA or authorization from the User.

2.2 Check that the received payment initiation requests relate to a valid long-lived Payment Consent authorized by the User. The Consent MUST be in the Authorized state. The OFP MUST reject any payment initiation messages related to a Payment Consent in a different state (e.g. expired) and respond back to the TPP with the appropriate error message/code.

2.3 Check the payment initiation request parameters against the authorized long-lived Payment Consent. More specifically, the OFP MUST check the following:

  • The date of the submitted payment initiation request:

    • is within the validity period of the long-lived Payment Consent (i.e. Consent Expiration Date & Time)

    • MUST match exactly one of the dates defined by the Periodic Payment Schedule (for Fixed Recurring and Variable Recurring Payments) or the dates included in the Predefined Payment Schedule for the Fixed-defined & Variable-defined Multi-Payments.

  • The amount in the submitted payment initiation request:

    • matches exactly the payment amount for consents of type Fixed Recurring and Fixed On-demand.

    • matches exactly the payment amount for the date of the payment initiation for consents of type Fixed-defined.

    • is less or equal to the maximum payment value per payment initiation for consents of type Variable Recurring and Variable On-demand

    • is less or equal to the payment amount limit for the date of the payment initiation for consents of type Variable-defined.

FRPs Only

OFP MUST:

2.4 Check the Fixed Recurring Payment initiation request parameters against the Fixed Recurring Payment Consent. More specifically, the OFP MUST:

  • Check the cumulative Total Number of payment initiations including the submitted payment initiation request is less than the Total Number of Payments as defined in the authorized long-lived Fixed Recurring Payment Consent.

2.5 Increment the cumulative total number of payments after the payment has been successfully executed and received payment status confirmation from the creditor Bank. The initial value of this parameter should be zero for each authorized Fixed Recurring Payment Consent.

2.6 Set the Fixed Recurring Payment Consent state to a terminal state (Finished), if the cumulative total number of payments requests becomes equal to the Total Number of Payments parameter of the Fixed Recurring Payment Consent.

VRPs Only

OFP MUST:

2.7 Check the payment initiation request parameters against the authorized long-lived VRP Payment Consent. More specifically, the OFP MUST check the following:

  • The cumulative Total Value of all payment initiations including the amount of the submitted payment initiation request is less or equal to the Maximum Cumulative Value of all payment initiations defined in the authorized long-lived Payment Consent (For Variable Recurring and Variable On-demand Consent types).

  • The cumulative Total Number of all payment initiations including the submitted payment initiation request is less or equal to the Maximum Cumulative Number of all payment initiations defined in the authorized long-lived Payment Consent (For Variable Recurring Consent and Variable On-demand Consent types).

  • The cumulative Total Value of all payment initiations per Consent Control Period including the amount of the submitted payment initiation request is less or equal to the Maximum Cumulative Value of all payment initiations within the Consent Control Period as defined in the authorized long-lived Payment Consent (For Variable Recurring Consent and Variable On-demand Consent types).

  • The cumulative Total Number of all payment initiations per Consent Control Period including the submitted payment initiation request is less or equal to the Maximum Cumulative Number all payment initiations within the Consent Control Period as defined in the authorized long-lived Payment Consent (For Variable Recurring Consent and Variable On-demand Consent types).

2.8 Check that the date of the payment initiation and the payment amount match exactly the Fixed-defined Payment Schedule of the authorized Consent for the Fixed-defined Payments.

  • 2.8.1 Check that the date of the payment initiation matches exactly the date of the Variable-defined Payment Schedule of the authorized Variable-defined Consent AND that the payment amount of the payment initiation is less or equal to the payment amount limit of the Variable-defined Payment Schedule of the authorized Variable-defined Consent.

2.9 Increment the cumulative Total Number and the cumulative Total Value of payments under the VRP Consent after the payment resource has been created and it is in ‘Pending’ status and has not been rejected. This will prevent multiple payments being initiated that could exceed the Maximum values of the respective Consent Control parameters. The initial value of the cumulative Total Number and the cumulative Total Value of payments should be zero for each authorized VRP Consent.

2.10 Increment the cumulative Total Number and the cumulative Total Value of all payment initiations per Control Period after the payment resource has been created and it is in ‘Pending’ status and has not been rejected. This will prevent multiple payments being initiated that could exceed the Maximum values of the respective Consent Control parameters. The cumulative Total Number and the cumulative Total Value of all payment initiations per Control Period are reset to zero when a new Consent Control Period starts at 00:00:00 of the first day of the Control Period.

2.11 Set the long-lived Payment Consent state to a terminal state (Finished), if the cumulative total number of payment requests becomes equal to the Total Number of Payments parameter of the VRP Consent.

 

OFP MUST:

2.12 Allow the description of the Creditor Reference in the submitted payment initiation request to be different than the one defined in the Consent Reference of the long-lived Payment Consent.

2.13 Reject the payment initiation and provide the necessary error message to the TPP if any other checks of the payment initiation request parameters fails against Consent parameters of the authorized long-lived Payment Consent.

  • 2.13.1 In this case:

    • For all payments related to a VRP Consent, the OFP MUST decrement:

      • the cumulative Total Number of payments by 1 and,

      • the cumulative Total Value of payments by the value of the payment

    • For all payments related to a VRP Consent where a Control Period is set, the OFP MUST decrement:

      • the cumulative Total Number of payments per Control Period and,

      • the cumulative Total Value of payments per Control Period.

2.14 Send a payment initiation request to the LFI for initiating an instant payment using the payment parameters included in the payment initiation request including:

  • User Payment Account (or account identifier)

  • Payment Amount & Currency

  • Creditor Identification details

  • Debtor Reference (If provided)

  • Creditor Reference

  • Purpose of Payment

2.15 Send a payment initiation request to the LFI for initiating an instant payment using the payment parameters included in the Payment Initiation Request including:

  • Authorized Payment Consent Identifier

  • Payment Amount & Currency

  • Debtor Reference (If provided)

  • Creditor Reference

  • Purpose of Payment

Variable Beneficiaries Only

  • 2.15.1 Check that the payment initiation request contains valid creditor identification details and that there is a unique identifier related to the Users’s authorization of the payment details.

LFIs MUST:

2.16 Trigger the payment initiation process for the payment Consent immediately after receiving the payment initiation request from the OFP.

Fixed Beneficiaries Only

  • 2.16.1 Retrieve the Creditor Identification details from the encrypted PII information block included in the original Payment Consent message.

  • 2.16.2 Apply all existing BAU check and validation processes in relation to the Creditor Identification details. In case of failure. LFIs MUST reject the payment initiation request and notify the OFP about this rejection with an appropriate error message.”

Variable Beneficiaries Only

  • 2.16.3 Check that the payment initiation request contains valid Creditor Identification details and that there is a unique identifier related to the User’s authorization of the payment details. In case of failure. LFIs MUST reject the payment initiation request and notify the OFP about this rejection with an appropriate error message.”

Variable-defined Beneficiaries Only

  • 2.16.4 Check and validate the Creditor Identification details included in the payment initiation request against the Creditor details in the authorized Multi-Payment Consent. In case that the Creditor Identification details do not exactly match any of the Creditor Identification details in the authorized Multi-Payment with Variable-defined Beneficiaries Consent, LFIs MUST reject the payment initiation request and notify the OFP about this rejection with an appropriate error message.”

2.17. Allow the OFP to submit the payment initiation request without any additional MFA or authorization from the User.

2.18 Additionally apply all existing BAU payment account controls and limits such as single transaction value limit, total transaction value limit, AML checking (if applicable) and others, as if the payment request has been initiated by the existing channels of the LFI. LFIs MUST send an appropriate error response to the OFP in case the payment is rejected due to violating any of these limits or checks.

2.19 Reject the payment initiation if the payment account selected for the payment has insufficient funds. The OFP MUST be notified about this rejection with an appropriate error message.

2.20 Subject to successful BAU checking, validation and payment processing, proceed with the execution of the payment by either submitting the payment to the underlying payment rails or executing internally as Intra-bank payment.

2.21 Provide the OFP with all the available information in relation to the initiated payment instruction including the payment’s unique identifier Payment Transaction ID. The format of the Payment Transaction ID can be found in the UAE Open Finance Standard specifications.

OFP MUST:

2.22 Send an appropriate error response to the TPPs in case the payment is rejected due to violating any of the LFIs BAU payment accounts checks or limits.

  • 2.22.1 In this case:

    • For all payments related to a VRP Consent, the OFP MUST decrement:

      • the cumulative Total Number of payments by 1 and,

      • the cumulative Total Value of payments by the value of the payment

    • For all payments related to a VRP Consent where a Control Period is set, the OFP MUST decrement:

      • the cumulative Total Number of payments per Control Period and,

      • the cumulative Total Value of payments per Control Period.

2.23 Send to the TPP the appropriate error message in case the payment payment initiation was rejected by the LFI due to insufficient funds in the selected payment account.

2.24 Provide the TPP with all the available information in relation to the initiated payment instruction including the payment’s unique identifier Payment Transaction ID.

MPPI-3

Payment Status Update

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#15.-Payment-Status-Update

MPPI-4

Payment Notifications

As per https://openfinanceuae.atlassian.net/wiki/spaces/standardsv1dot1final/pages/210800446/Common+Rules+and+Guidelines#17.-Payment-Notifications

6. Combined Payments (Recurring Payments with a One-Time Setup)

6.1 Customer Experience

6.2 Rules & Guidelines

#

Step

Rules & Guidelines

#

Step

Rules & Guidelines

MPCOMB-1

Combined Payments Consent

TPPs MUST:

1.1 Enable Users to provide a single explicit consent for both a Single Instant Payment and the setup of FRPs and all types of VRPs. More specifically, Users MUST be allowed to combine in a single consent the following options:

  • Single Instant Payment with Fixed Recurring Payments

  • Single Instant Payment with Fixed on Demand Payments

  • Single Instant Payment with Variable Recurring Payments

  • Single Instant Payment with Variable On-demand Payments

  • Single Instant Payment with Fixed-defined Payments

  • Single Instant Payment with Variable-defined Payments

  • 1.1.1. All the above options with fixed or Variable and Variable-defined Beneficiaries

1.2 Set/clear the “Is Pay By Account” flag as appropriate in the case the initiated payment Consent relates to payments at POS or e-commerce payments.

1.3 Request both the single instant payment and the FRPs or VRPs setup within a single explicit consent. There MUST be a single Authorization step for this request with the LFI.

MPCOMB-2

Combined Payments Consent Processing

LFIs MUST:

2.1 Process the Combined Payments Consent as a single Authentication and Authorization request. LFIs MUST NOT request Users to authenticate twice to authorize both parts of the Consent.

2.2 Enable Users to authorize Combined Payment Consents in a single authentication flow.

2.3 Respond back to TPPs with a failure for the entire request, if there is a failure in processing either part of the Combined Payment Consent request.

7. Consent Updates

#

Step

Rules

#

Step

Rules

MPCU-1

Consent Update

TPPs MUST:

1.1 Enable Users to use the Consent Dashboard to amend the following parameters of a long-lived Payment consent:

1.2 Require the Users to authenticate with their LFI and authorize the Consent update.

8. Multi-Payments Common Rules & Guidelines

8.1 Consent Reference

8.2 Period & Payment Schedule

8.2.1 Periodic Payment Schedule

8.2.2 Period Type & Start Date

8.2.3 Fixed-defined & Variable-defined Payments & Schedule

8.3 VRP Consent Control Parameters

Consent Control Parameters for Variable Recurring Payments (VRPs) are a set of constraints included within the VRP Consent that restrict the way in which it can be used to make variable payments. The restrictions are enforced both by the TPP and the OFP.

8.3.2 VRP Consent Control Period & Start Date

8.4 Consent Expiration Date & Time

8.4.1 Consent Expiration for FRPs (Fixed Recurring Consent)

8.4.2 Consent Expiration for Periodic Scheduled VRPs (Variable Recurring Consent)

8.4.3 Consent Expiration for Unscheduled VRPs (Fixed and Variable On-demand Consent)

8.4.4 Consent Expiration for Fixed-defined & Variable-defined Consent

8.5 Creditor Identification for Variable Beneficiary Consent

8.5.1 Creditor Identification for Variable-defined Beneficiaries

8.5.2 Creditor Identification for Variable Beneficiaries

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