1. Version Control

2. Introduction

Bulk/Batch payment allows the user/customer to post his/her consent at PISP to initiate multiple payments to one or more beneficiaries in a single transaction, wherein the PISP provides this instruction to the customer’s ASPSPs. The user/customer can select the date of payment to the respective beneficiaries as per his/her requirements. This use case details out the Customer Experience Guidelines and Technical API Specifications that are required to be developed and followed by both ASPSPs and PISPs. This use case is applicable mainly for corporate customer.

Few sample bulk/Batch payments includes include salary payments, multi-invoice payments, supplier payments, multiple refund processing, etc.

...

3.

...

Customer Experience Guidelines

...

3.1 Initiation of Bulk/Batch Payment

...

3.1.1 Customer Experience Journey:

UBusiness userBusiness users/customer customers can initiate, through PISPs, Bulk/Batch payments allowing them to make multiple payments from their payment accounts.

...

Batch Payment: A group of payments (e.g. in a file) to be paid to multiple creditor accounts from multiple debtor accounts. These may involve different payment execution dates, currencies and payment schemes.

• These variations are defined in single domestic payment.

Image Removed

...

...

3.1.2

...

Customer Experience Checklist and

...

Customer Experience Considerations

...

Considerations Participant

S.No.	Customer Experience Checklist and Customer Experience	Considerations	Participant	Implementation Requirements
1	Minimum Set of Parameters PISPs must either allow usersuser/customers customer to specify any of the below information or pre-populate this information on their behalf for the bulk Bulk & batch Batch payments: Total amount of all payments in the bulkBulk/batch Batch and currency Number of payments included in the bulkBulk/batchBatch Reference for the file (as per best practice)	PISP	Required    Required
2	User/Customer payment Account Selection: IfPISPs allow users/customers to import/upload a batchBatch/bulk Bulk file of payments, then the file may contain one user/customer payment Account (for bulkBulk) or multiple user/customer payment Accounts (for batchBatch). In this case, PISPs should not allow the customer to define a user/customer payment Account for the bulk Bulk or batchBatch. PISPs could may read the file and pre-populate the user/customer payment Account in the case of bulk Bulk payments. Moreover, PISPs could may use the user/customer payment Account sort code(s) IBAN to identify and pre-populate the user'suser’s/customer's ASPSP that the bulkBulk/batch Batch needs to be submitted for processing. Otherwise, if no external file upload or user/customer payment Account(s) in the file, PISPs should must allow users/customers to either: Enter the user/customer payment Account details (one or multiple) Select their account details (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) Select their ASPSP in order to select their user/customer payment Account from there	PISP   RequiredPISP	Required
3	Minimum Set of Parameters: IfPISPs allows usersuser/customers to import/upload a batchBulk/ bulk Batch file of payments, then the file may contain the payment scheme(s) and the requested execution date(s) for the bulkBulk/batch Batch of payments. In this case, PISPs should not allow the customer to define the payment scheme and the requested execution date. PISPs may read the file and pre-populate the payment scheme and the requested execution date in the case of bulk Bulk payments and also for the batch Batch payments if the same throughout the file. Otherwise, if no external file upload or payment scheme and the requested execution date in the file, PISPs should must allow usersuser/customers customer to specify the below information: Instruction instrument (payment scheme) Requested Execution date Note: For batch payments Batch Payments, this will only hold if these parameters will need to apply to all the transactions within the batchBatch.	PISP	PISP   RequiredRequired
44	User/Customer Consent to PISP: PISPs must request for the user'suser’s/customer's consent to the payment clearly displaying any of the following information if specified by users/customers or pre- populated by PISPs: Total amount of all payments in the bulkBulk/batch Batch and currency (subject to item #2 S.No. 2 options) Number of payments included in the bulkBulk/batch Batch (subject to item #2 S.No. 2 options) Reference for the file (as per best practice) (subject to item #2 S.No. 2 options) Instruction instrument (payment scheme) (subject to item #1 S.No. 1 options) Requested Execution date (subject to item #1 S.No. 1 options) User/Customer payment Account or selected ASPSP (subject to item #3 S.No. 2 options) Note 1: If user/customer payment Account is selected in the previous screen, PISPs should mask the account details Note 2: If user/customer payment Account details are provided, PISPs could may use the account IBAN to derive and display the ASPSP PISPs must provide messaging to inform user 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” payment". CX consideration: Generic PISP to ASPSP redirection screen and message.	PISP	Required	PISP	Required
5	SCA-Strong Customer Authentication: SCA (including dynamic linking) 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 CX consideration: If SCA as described in this section cannot occur on the same screen as #5 of 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	ASPSP	Required
6	Additional Supplementary Information: Although the payee details and total amount are known to the ASPSP before the user/customer is authenticated,. ASPSPs must introduce a step after authentication to allow users/customers to provide additional information associated with the bulk Bulk/ batch Batch payment in order to complete the payment instructions , if the payment order is incomplete. This information may include: User  User/Customer payment Account Identification details (for bulk Bulk payments only) Instruction instrument (payment scheme) (for bulk Bulk payments and for batch Batch only if it applies to all payments in the batch Batch) Requested Execution date (for bulk Bulk payments and for batch Batch only if it applies to all payments in the batch Batch) ASPSPs should must be able to introduce a step after authentication to display additional /supplementary information in relation to the bulk Bulk\ batch Batch payment instructions such as expected execution date, specific terms related to this payment type, charges, etc.  CX consideration: ASPSPs should also display to users/customers all the payment instruction information received from PISPs ASPSPs must 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: "Proceed to make payment” ASPSPs must should allow users/customers to review the information described above. The user/customer can either proceed with the payment or cancel it, on the same screen using options with “equal prominence” Generic ASPSP to PISP redirection Screen and message.	ASPSP	Required	ASPSP	Required
7	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 form ASPSPs, PISPs must display the information received from the ASPSP. This information may include: The expected payment execution date & time The expected settlement date & time (i.e. the value date of the payment) The ASPSP charges (where applicable)	ASPSPPISP	Required
8	8	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. For more details on Payment Status, please also refer to section Payment Status	PISP	Required	PISP	Required

 

...

4. API specification: Brief description

...

4.1 Bulk/Batch Payment Consents

This API Specification document page details out the Bulk/Batch Payment Consents resource is used by a PISP to register an intent to initiate a File Bulk/Batch Payment.

...

4.2 Bulk/Batch Payments

This API Specification document page details out the Bulk/Batch Payment resource is used by a PISP to initiate a File Bulk/Batch Payment.

CENTRAL BANK OF BAHRAIN © 2020