Table of Contents

1. Single Domestic Payment: User Journey and Checklist Requirements

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Where fees, charges or Forex apply
Where interest rates apply
To facilitate confirmation of payee (for Bahrain implementations, where ASPSPs applied COP validation and found inconsistency between payee account name and payee account details)
To display a PSU warning that the relevant payment account will become overdrawn / exceed an overdraft limit as a result of the intended payment
If the relevant payment submission cut-off time has elapsed and the ASPSP wishes to offer an execution date/time
Where the PSU has been identified by the ASPSPs as a vulnerable customer (who therefore receives tailored journeys and messages in ASPSP’s own online platforms)
To show value-add information based on functionality implemented by ASPSPs in competitive space which provides positive customer outcome (e.g. cash flow prediction engine)
For high value transactions using a different payment scheme
Where the payments may be duplicated by the customer in a short period (e.g. ASPSP may display a warning that payment appears to be duplicated)

1.4 Useful Links

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