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A task force of the Web Payments Working Group has taken on the action of documenting the real-life payment flows for different methods of payment. Questions? Contact @mattsaxon.
Objectives
- Verify whether and how the proposals support flows in use in real life
- Identify any enhancements to the proposed flows or API to meet real life needs
Approach
- Identify a set of payments flow types that should be modelled - Complete
- Document the real-life flows currently in use in the wild - Complete
- Map these flows to proposed future flows for the WG specification proposals - In Progress
- Align these flows to ISO 20022 flows
- Identity key pieces of data that must be passed to achieve a robust payment transaction (including support for subsequent settlement/disputes etc.)
- Evaluate the resultant flows and provide recommendation/feedback to the WG
- Initiate process to submit target flows and messages to ISO 20022
Meetings
15:00 UTC for 1 hour every 2 weeks. Contact mailing list for invite.
Mailing List
The Archive is here https://lists.w3.org/Archives/Public/public-webpayments-flows/
Where you can set-up a subscription
Flows to be analysed
Note: Our "prioritized" flows are those that were submitted by Working Group participants by 7 January 2016.
| Flow Name | Author(s) | Reviewed By | Target Flows Modelled |
|---|---|---|---|
| Legacy Card | Matt Saxon | Manu Sporny | 'Form-Filler' Payment App |
| Card with 3DS | Matt Saxon | Ian Jacobs | Complex Card Payment App |
| JIT Tokenised Card | Matt Saxon | Manu Sporny | Complex Card Payment App |
| SEPA Credit Transfer | Cyril Vignet & Matt Saxon | Manu Sporny | 'Prompt' Credit Transfer Payment App |
| SEPA Credit Transfer via Merchant PISP | Fred Meignien | Matt Saxon | |
| SEPA Credit Transfer via Shopper PISP | Fred Meignien | ||
| Masterpass | Laurent Castillo | ||
| Realtime Payment | Vincent Kuntz | ||
| PSP Hosted Payment | Matt Saxon | Vincent Kuntz | |
| Bank Supplied Wallet | Laurent Castillo | Vincent Kuntz | |
| SEPA Direct Debit | Fred Meignien | Vincent Kuntz | |
| Bitcoin Basic | Adrian Hope-Bailie | Vincent Kuntz | |
| Bitcoin Payment Protocol | Adrian Hope-Bailie | Vincent Kuntz | |
| PayPal Standard | Matt Saxon | ||
| PayPal Intermediated | Matt Saxon | Dave Longley & Vincent Kuntz | |
| AliPay | Zephyr | ||
| Apple Pay Native | Matt Saxon | Laurent Castillo | |
| SamsungPay Init | mountie | ||
| SamsungPay Use | mountie | ||
| Escrow Payment - Customer Protection case | mountie | ||
| Cross Border Credit Transfer | Vincent Kuntz | ||
| General Redirect | Matt Saxon | ||
| Interledger Protocol | Adrian Hope-Bailie |
Working Glossary
| W3C Web Payments Term | Common Terms | ISO 20022 definition |
|---|---|---|
| Payee | Merchant | Acceptor, Creditor |
| Payee PSP | Gateway | Acquirer, Intermediary |
| Payer | Shopper, Consumer, User | Cardholder, Debtor |
| Payer PSP | Wallet | Issuer, Intermediary |