Page Comparison

S.No.

Requirements and Considerations

 Participant

Implementation Requirements

1

Minimum Set of Parameters

PISPs must either allow users/customers to specify the below minimum set of parameters or pre-populate them for the users/customers:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payee Account Identification details (e.g. IBAN, PAN)

• Payment Reference (optional)

PISP

Required

2

User/Customer payment Account Selection

PISPs must provide users/customers at least one of the following options:

• Enter their Payer's payment Account Identification details

• Select their Account Identification details (this assumes they have been saved previously and a user/customer is required to verify/authorize the account identification details in a PISP before storing it in PISP)

PISP

Required

3

User/Customer Consent to PISP

PISPs must request for the users'/customers' consent to the payment in a clear and specific manner. PISPs must display the following information in the consent screen:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payment Reference, ifit has been entered by users/customers or prepopulated by PISPs in item #1S.No. 1

• User/Customer payment Account Identification

o    Note 1: if user/customer payment Account identification is selected in item #2S.No. 2, PISPs should mask the user/customer payment Account details on the consent screen. Otherwise, or if the user/customer payment Account identification has been input by users/customers in item #2S.No. 2, PISPs should not mask these details to allow users/customers to check and verify correctness

o    Note 2: if user/customer payment Account identification is provided by users/customers in item #2S.No. 2, PISPs may use this to identify and display the ASPSP without having to ask user/customer

For Payee Account Identification details (e.g. IBAN, PAN):

• If this has been provided by users/customers in item #1S.No. 1, then PISPs must also display this in the consent screen to allow users/customers to check and verify correctness

• If this has been pre-populated by PISPs (e.g. in an e-commerce payment scenario) PISPs may choose whether to display this information or not

• PISPs must provide messaging to inform users/customers that they will be taken to their ASPSPs to complete the payment. Example wording: "You will be securely transferred to your ASPSP to authenticate and make the payment"

PISP

Required

4

CX consideration:

• Generic PISP to ASPSP redirection screen and message

SCA-Strong Customer Authentication

SCA must be the only action required at the ASPSPs (unless supplementary information required). The ASPSP authentication must have no more than the number of steps that the user/customer would experience when directly accessing the ASPSP channel.

CX consideration:

• If SCA as described above cannot occur on the same screen as displaying the amount and the payee (e.g. for some biometric authentications methods), then ASPSPs should offer users/customers options to proceed or cancel the payment with "equal prominence”

ASPSP

Required

5

ASPSPs must display as minimum as the Payment Amount, Currency and the Payee Account Name to make the user/customer aware of these details (unless an SCA exemption is being applied). These details must be displayed as part of the authentication journey on at least one of the following screens without introducing additional confirmation screens (unless supplementary information is required)

• ASPSPs’ Authentication screen

• ASPSP to PISP redirection screen

Note: Displaying the balance in this instance need not require any additional strong customer authentication

CX consideration:

• ASPSPs should inform users/customers about their “point of no return” for making the payment and that their payment will be made after authentication occurs. Example wording: “Authenticate to make payment”

• Generic ASPSP to PISP redirection screen and message

ASPSP

Required

6

PISP Confirmation

PISPs must display the information received from the ASPSP. This information may include:

• The unique identifier assigned to the payment instruction by ASPSPs

• The payment status (and status update date & time) - Confirmation of successful payment initiation

If received from ASPSP, PISPs must display the following additional information:

• The expected payment execution date & time

• The expected settlement date & time (i.e. the value date of the payment)

• The ASPSP charges (where applicable)

In case of payment cancellation,

PISP may update the user/customer with the reason for payment cancellation. The payment cancellation might be due to technical or non-technical scenarios. The messaging format for technical scenarios may be simplified to make it easy for users/customers to understand. Non-technical reasons such as fund availability, incorrect payee information, etc. may be detailed out.

CX consideration:

• If users/customers provide their payment account identification details (as per item #2 S.No. 2 options), the PISP may, with the consent of the user/customer, save the account details for future transactions (such as making further payments or initiating refunds back to users/customers) where this is part of the payment initiation service explicitly requested by the user/customer. For example, a merchant, upon request from the user/customer, may initiate a refund back to the user/customer, by instructing the same PISP that initiated the initial user/customer transaction to use the saved user/customer payment account identification details as the beneficiary details for the refund. This will be dependent on the same PISP being used by both the user/customer and the merchant, their specific contractual terms and the existing regulations

PISP

Required

7

Further Payment Status Update

PISPs mustfollow up with ASPSPs in order to check and update the users/customers with the most updated information that can be received by ASPSPs in relation to the execution of the payment

PISP

Required

S. No.

Requirements and Considerations

 Participant

Implementation Requirements

1

Minimum Set of Parameters

PISPs must either allow users/customers to specify the below minimum set of parameters or pre-populate them for the users/customers:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payee Account Identification details (e.g. IBAN, PAN)

• Payment Reference (optional)

PISP

Required

2

User/Customer payment ASPSP Selection

PISPs must provide users/customers with the following options:

• Select their ASPSP in order to select their user/customer payment Account from there later on in the journey

PISP

Required

3

User/Customer Consent to PISP

PISPs must request for the users'/customers' consent to the payment initiation in a clear and specific manner. PISPs must display the following information in the consent screen:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payment Reference, if it has been entered by users/customers or prepopulated by PISPs in item #1 S.No. 1

• Selected ASPSP (based on item #2 S.No. 2 options)

For Payee Account Identification details (e.g. IBAN, PAN):

• If this has been provided by users/customers in item #1S.No. 1, then PISPs must also display this in the consent screen to allow users/customers to check and verify correctness

• If this has been pre-populated by PISPs (e.g. in an e-commerce payment scenario) PISPs may choose whether to display this information or not

• PISPs must provide messaging to inform users/customers that they will be taken to their ASPSPs to complete the payment. Example wording: "You will be securely transferred to your ASPSP to authenticate and make the payment"

PISP

Required

4

CX consideration:

• Generic PISP to ASPSP redirection screen and message

SCA-Strong Customer Authentication

ASPSPs must apply SCA unless an exemption applies

The ASPSP authentication must have no more than the number of steps that the user/customer would experience when directly accessing the ASPSP channel

ASPSP

Required

5

User/Customer payment Account Selection

ASPSPs must allow user/customers to select the payment account to complete the payment order for execution

Once the user/customer has selected their account, the ASPSPs must display the following information to the user/customer:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payment Reference, if it has been entered by users/customers or prepopulated by PISPs in item #1S.No. 1

• The account selected by the user/customer for payment

ASPSPs must allow users/customers to review as a part of the authentication process the information described above in #5. The user/customer can either proceed with the payment or cancel it, on the same screen, using options with "equal prominence"

CX consideration:

• ASPSPs should inform users/customers 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"

• Generic ASPSP to PISP redirection screen and message

ASPSP

Required

6

PISP Confirmation

PISPs must display the information received from the ASPSP. This information may include:

• The unique identifier assigned to the payment instruction by ASPSPs

• The payment status (and status update date & time) - Confirmation of successful payment initiation

If received from ASPSP, PISPs must display the following additional information:

• The expected payment execution date & time

• The expected settlement date & time (i.e. the value date of the payment)

• The ASPSP charges (where applicable)

In case of payment cancellation,

PISP may update the user/customer with the reason for payment cancellation. The payment cancellation might be due to technical or non-technical scenarios. The messaging format for technical scenarios may be simplified to make it easy for users/customers to understand. Non-technical reasons such as fund availability, incorrect payee information, etc. may be detailed out.

CX consideration:

• If users/customers provide their payment account identification details (as per item #5 S.No. 5 options), PISPs may save the account details for future transactions, where this is part of the payment initiation service explicitly requested by the user/customer

PISP

Required

7

Further Payment Status Update

PISPs must follow up with ASPSPs in order to check and update the users/customers with the most updated information that can be received by ASPSPs in relation to the execution of the payment

PISP

Required

S. No.

Requirements and Considerations

Participant

Implementation Requirements

1

Minimum Set of Parameters

PISPs must either allow users/customers to specify the below minimum set of parameters or pre-populate them for the users/customers:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payee Account Identification details (e.g. IBAN, PAN)

• Payment Reference (optional)

 PISP

 Required

2

User/Customer payment Account Selection

PISPs must provide users/customers at least one of the following options:

• Enter their Payer's payment Account Identification details

• Select their Account Identification details (this assumes they have been saved previously and a user/customer is required to verify/authorize the account identification details in a PISP before storing it in PISP)

 PISP

 Required

3

User/Customer Consent to PISP

PISPs must request for the users'/customers' consent to the payment initiation in a clear and specific manner. PISPs must display the following information in the consent screen:

• Payment Amount and Currency (BHD for Bahrain  implementations)

• Payee Account Name

• Payment Reference, if it has been entered by users/customers or prepopulated by PISPs in item #1S.No. 1

• User/Customer payment Account Identification

o    Note 1: if User/Customer payment Account identification is selected in item #2S.No. 2, PISPs should mask the user/customer payment Account details on the consent screen. Otherwise, or if the user/customer payment Account identification has been input by user/customers in item #2S.No. 2, PISPs should not mask these details to allow users/customers to check and verify correctness

o    Note 2: if user/customer payment Account identification is provided by users/customers in item #2S.No. 2, PISPs may use this to identify and display the ASPSP without having to ask user/customer

For Payee Account Identification details (e.g. IBAN, PAN):

• If this has been provided by user/customers in item #1S.No. 1, then PISPs must also display this in the consent screen to allow users/customers to check and verify correctness

• If this has been pre-populated by PISPs (e.g. in an e-commerce payment scenario) PISPs may choose whether to display this information or not

• PISPs must provide messaging to inform users/customers that they will be taken to their ASPSPs to complete the payment

Example wording: "You will be securely transferred to your ASPSP to authenticate and make the payment"

PISP

Required

4

CX consideration:

• Generic PISP to ASPSP redirection screen and message

SCA-Strong Customer Authentication

ASPSPs must apply SCA unless an exemption applies

The ASPSP authentication must have no more than the number of steps that the user/customer would experience when directly accessing the ASPSP channel

ASPSP

Required

5

Additional 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

ASPSPs must display to users/customers all the payment instruction information received from PISPs together with the supplementary information. This information may include the following:

• Payment Amount and Currency (BHD for Bahrain implementations)

• Payee Account Name

• Payment Reference, if it has been entered by users/customers or prepopulated by PISPs in item #1S.No. 1

• User/Customer payment Account Identification

ASPSPs must allow users/customers to review as a part of the authentication process any supplementary Information. The user/customer can either proceed with the payment or cancel it on the same screen with supplementary information details, using options with "equal prominence“

CX consideration:

• ASPSPs should inform users/customers 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"

• Generic ASPSP to PISP redirection screen and message

ASPSP

Required

6

PISP Confirmation

PISPs must display the information received from the ASPSP. This information may include:

• The unique identifier assigned to the payment instruction by ASPSPs

• The payment status (and status update date & time) - Confirmation of successful payment initiation

If received from ASPSP, PISPs must display the following additional information:

• The expected payment execution date & time

• The expected settlement date & time (i.e. the value date of the payment)

• The ASPSP charges (where applicable)

In case of payment cancellation,

PISP may update the user/customer with the reason for payment cancellation. The payment cancellation might be due to technical or non-technical scenarios. The messaging format for technical scenarios may be simplified to make it easy for users/customers to understand. Non-technical reasons such as fund availability, incorrect payee information, etc. may be detailed out.

CX consideration:

If users/customers provide their payment account identification details (as per item #2 S.No. 2 options), the PISP may, with the consent of the user/customer, save the account details for future transactions (such as making further payments or initiating refunds back to users/customers) where this is part of the payment initiation service explicitly requested by the user/customer. For example, a merchant, upon request from the user/customer, may initiate a refund back to the user/customer, by instructing the same PISP that initiated the initial user/customer transaction to use the saved user/customer payment account identification details as the beneficiary details for the refund. This will be dependent on the same PISP being used by both the user/customer and the merchant, their specific contractual terms and the existing regulations

PISP

Required

7

Further Payment Status Update

PISPs must follow up with ASPSPs in order to check and update the users/customers with the most updated information that can be received by ASPSPs in relation to the execution of the payment

PISP

Required