Re:Payment Request API
by rene_kapusta on Monday March 02, 2020 @03:46PM
(#22468762)
SEPA Instant Credit Transfer (SCTInst) + PSD2 Strong Customer Authentication (SCA) is working fine with PR API + Payment Handler + Payment Method ID + Payment Method Manifest specs.
Here is a not-so-uptodate PoC showing SCTInst with a live Raiffeisen Bank account (Austria) via S€PA.digital in Microsoft Edge: https://sepa.digital/pay.mp4
As Webkit / Safari only implemented the Payment Method ID for usage with Apple Pay (on the web), there it is only possible to redirect the user to a web page (a Progressive Web App which is else rendered in the PR modal).
... but in combination with the QR code format recommended by the European Payments Council* you'll get an other nice UX like "iOS Scan & Pay":
https://www.linkedin.com/posts/renekapusta_apple-ios-scan-pa... // vimeo.com/391365723
QR codes suck you think? Card schemes & payment apps too.
So, I think "Request to Pay" in combination with eIDAS will be the future of frictionless SEPA / EUR real time payments (in combination with PR API to exchange the checkout data):
https://www.linkedin.com/posts/renekapusta_instant-account2a... // vimeo.com/391881139
btw.: Persona was quite nice -- WebAuthn seems promising too (but it is/was only supporting hardware tokens and not the finger print reader on osx at my first trials ...)
Here is a not-so-uptodate PoC showing SCTInst with a live Raiffeisen Bank account (Austria) via S€PA.digital in Microsoft Edge: https://sepa.digital/pay.mp4
As Webkit / Safari only implemented the Payment Method ID for usage with Apple Pay (on the web), there it is only possible to redirect the user to a web page (a Progressive Web App which is else rendered in the PR modal). ... but in combination with the QR code format recommended by the European Payments Council* you'll get an other nice UX like "iOS Scan & Pay": https://www.linkedin.com/posts/renekapusta_apple-ios-scan-pa... // vimeo.com/391365723
QR codes suck you think? Card schemes & payment apps too.
So, I think "Request to Pay" in combination with eIDAS will be the future of frictionless SEPA / EUR real time payments (in combination with PR API to exchange the checkout data): https://www.linkedin.com/posts/renekapusta_instant-account2a... // vimeo.com/391881139
btw.: Persona was quite nice -- WebAuthn seems promising too (but it is/was only supporting hardware tokens and not the finger print reader on osx at my first trials ...)
) https://www.europeanpaymentscouncil.eu/document-library/guid... *) https://en.wikipedia.org/wiki/EIDAS