1. Version Control

Version	Date	Description of Changes
Bahrain OBF v1.0.0	28th Oct 2020	Initial Release

2. Introduction

Single Future Dated Domestic Payment allows the user/customer to post his/her consent at PISP to make a one-time payment for a specific amount to a specific payee on a specific future date, wherein the PISP provides this instruction to the customer’s ASPSPs. 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. The use case is applicable to both retail and corporate customers.

Few sample Future Dated Domestic Payments may include account to account transfers, loan re-payment, university/exam fee, merchant payment (including bill payments for electricity, water, telephone, cab, and ticket), restaurant/hotel payments, E-commerce payment, wallet payments, invoice and other corporate payments. This is similar to the single domestic payment, however the payment here is at a future date as against immediate payment in single domestic payment.

3. Customer Experience Guidelines

3.1 Single Future Dated Domestic Payment

3.1.1 Customer Experience Journey

User/Customers can setup, through PISPs, an instruction to their ASPSPs to make a oneoff payment for a specific amount to a specific payee on a specific future date. The example reference journey illustrates account selection occurring in the PISP domain. However, please note that account selection can take place at the ASPSP domain. For this scenario, please follow the approach as documented in Single Domestic Payment a/c selection @ ASPSP of Single Domestic Payment.

3.1.2 Customer Experience Checklist and Customer Experience Considerations:

S.No.

Customer Experience Checklist and Customer Experience 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 - This is optional but it is good practice to be populated for a payment

PISP

Required

2

User/Customer payment Account Selection

PISPs must provide users/customers at least one of the following options (Please refer to the journeys defined in Single Domestic Payment for displaying the options):

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

PISP

Required

3

Payment Execution Date

PISPs must allow users/customers to select the payment execution date for the payment by the ASPSPs

PISP

Required

4

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 Execution Date
Payment Amount and Currency (BHD for Bahrain implementations)
Payee Account Name
Payment Reference, if it has been entered by users/customers or pre-populated by PISPs in S.No. 1
User/Customer payment Account Identification and/or the selected ASPSP (based on S.No. 2 options)
- Note 1: if user/customer payment Account identification is selected in S.No. 2, PISPs should mask the user/customer payment Account details on the consent screen. Otherwise, if the user/customer payment Account identification has been input by users/customers in S.No. 2, PISPs should not mask these details to allow users/customers to check and verify the correctness
- Note 2: if user/customer payment Account identification is provided by users/customers in S.No. 2, PISPs may use this to identify and display the ASPSP without having to ask users/customers

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

If this has been provided by users/customers in S.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 a 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

5

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 users/customer would experience when directly accessing the ASPSP channel.

ASPSP

Required

6

Additional Supplementary Information

ASPSPs must display as minimum the Payment Amount, Currency and the Payee Account Name, payment execution date, payment reference (if it has been entered by users/customers or prepopulated by PISPs in S.No. 1) to make the user/customer aware of these details. ASPSPs may display any additional supplementary information about the difference in actual execution date.

CX consideration:

ASPSPs 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”
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 PISP to ASPSP redirection screen and message

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 from 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)

In case of payment cancellation,
If received by ASPSP, PISPs must 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 S.No. 2 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

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.

PISP

Required

3.2 Cancellation of Single Future Dated Domestic Payment @ PISP

3.2.1 Customer Experience Journey

Users/Customers can setup, through PISPs, an instruction to their ASPSPs to cancel a Future Dated Domestic Payment. Future Dated Payments can also be amended or cancelled via the ASPSP’s direct online channel (where supported). Cancellation of these payments must be consistent with available capabilities on ASPSP’s existing online platform, as well as, in accordance with the provisions of the regulations relating to the revocation of payment orders. Note: PISPs can allow cancellation of only those specific payments that are initiated through the respective PISPs portal. User/Customer needs to initiate the cancellation process atleast 48 hours prior to the existing execution date of the Future Dated Payment.

3.2.2 Customer Experience Checklist and Customer Experience Considerations

S.No.

Customer Experience Checklist and Customer Experience Considerations

Participant

Implementation Requirements

1

Minimum Set of Parameters

PISPs must provide users/customers to view and select from the list of Future Dated Payment initiated at the PISP. PISPs must allow users/customers to select only those payments that have at least 48 hours buffer from the execution date and time.

CX Consideration:

PISP may send notifications to users/customers with the following detail:

Last applicable date for cancellation of the initiated Future Dated Payment from PISP portal

PISP

Required

2

User/Customer Consent to PISP

PISPs must request for the users'/customers' consent to the cancellation of the Future Dated Payment in a clear and specific manner. PISPs must display the following information in the consent screen:

Payment identifier assigned by the ASPSP
Payment Amount and Currency (BHD for Bahrain implementations)
Payee Account Name
Payment Reference, if it has been entered by users/customers or pre-populated by PISPs
Expected Payment Execution date
User/Customer payment Account Identification and/or the selected ASPSP

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

CX consideration:

Generic PISP to ASPSP redirection screen and message

PISP

Required

3

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.

ASPSP

Required

4

Additional Supplementary Information

ASPSPs must display the cancellation details and any supplementary information such as charges incurred, etc.

CX consideration:

ASPSPs should inform users/customers about their “point of no return” for cancellation and that their cancellation will be made after pressing the proceed button. Example wording: "Press proceed to cancel the initiated payment”
ASPSPs should allow users/customers to review the information described above. The user/customer can either proceed with the cancellation or terminate the process, on the same screen using options with “equal prominence”
Generic ASPSP to PISP redirection screen and message

ASPSP

Required

5

PISP Confirmation

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

The unique identifier assigned to the cancelation instruction by ASPSPs
The cancellation status (and status update date & time) - Confirmation of successful cancellation of the initiated payment

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

ASPSP charges (where applicable)

PISP

Required

6

Further Status Update

PISPs must follow up with ASPSPs in order to check and update the user/customer with the most updated information that can be received by ASPSPs in relation to the execution of the cancellation.

PISP

Required

4. API Specification: Brief description

4.1 Domestic Future Dated Payment Consents

This API Specification page details out the Domestic future dated Payment Consents resource that is used by a PISP to register an intent to initiate a Domestic Future Dated Payment.

4.2 Domestic Future Dated Payments

This API Specification page details out the Domestic Future Dated Payments resource that is used by a PISP to initiate a Domestic Future Dated Payment.