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There may be cases where the payment order submitted by PISPs to ASPSPs is incomplete, such as where user/customer account selection has not yet occurred. In these scenarios, Open banking Banking guideline considers that SCA only needs to be obtained once, as part of the initial interaction between the ASPSP and user/customer. The fact that the user/customer has to then carry out account selection or provide other information does not invalidate the SCA just performed by the ASPSP.

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In some scenarios, an additional step in ASPSPs' journeys may be required to display supplementary information to users/customers. 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 users/customers, then it must not be provided during an Open Banking PIS Payment Initiation Service journey. ASPSPs should also ensure that this information does not constitute an obstacle or additional check on the consent provided by the user/customer to the PISP.

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