1. Introduction

Open Banking API specifications support Payment Initiation Services (PIS) that enable a PISP to initiate a payment order, with the PSU's explicit consent, from their online payment account held at their ASPSP. The PISP is then further able to retrieve the status of a payment order. This section describes how each of the Participants (PISPs and ASPSPs) in the delivery of these services can optimise the customer experience for these services. Furthermore, it provides clarifications to participants on the usage of the APIs, and best practice guidelines for implementation of the customer journeys. We have illustrated three variations for the single domestic payment use case. These variations are applicable to the other payment use cases as well. 

Please note that ASPSPs do not need to support the initiation of certain payment methods described in this section by a PISP, where the ASPSP does not support such transactions through their own channels (such as international transactions and bulk payment files).

End to End User flow:

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2. CX Guidelines

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