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Re: basic-card like SEPA Payment Method

From: Ian Jacobs <ij@w3.org>
Date: Wed, 2 May 2018 09:07:47 -0500
Cc: "public-payments-wg@w3.org" <public-payments-wg@w3.org>, KUNTZ Vincent <Vincent.KUNTZ@swift.com>, "Saxon, Matt" <Matt.Saxon@worldpay.com>
Message-Id: <3F36A62D-ED9F-49C9-A007-B638AD60BF07@w3.org>
To: Florian Bender <Florian.Bender@bspayone.com>
Hi Florian,

Thank you for reaching out. I’m pinging Vincent Kuntz and Matt Saxon in particular on this topic.


> On May 2, 2018, at 8:23 AM, Florian Bender <Florian.Bender@bspayone.com> wrote:
> Dear all,
> I am working at a German Payment Service Provider. We have currently implemented the basic-card method in one of our shop extensions. This has raised a lot of interest in the German market, as merchants are always looking to explore new conversion-enhancing technologies.
> However, with SEPA direct debit payments being very popular in Germany, most merchants are resistant to implementing any variety of the Payment Request API into their shops, as it is (for them at least) currently limited to basic card payments.
> After a chat with Ian I've come across several propositions for SEPA credit transfer payments, the latest (and most advanced) probably being [1]. From our perspective as a PSP, we'd suggest a simpler approach: a basic-card like implementation of the exchange of address and bank data, allowing us to initiate the SEPA debit through our established platform (and handling all compliance issues on the way). I suppose this would be somewhere along the lines of [2], however, instead of a token the IBAN, payer's name and BIC would be sent off through an encrypted connection. This is the way most merchants have already implemented it their shops today without making use of the Payment Request API.
> Is there currently any discussion of such a payment method that I might have missed while browsing the archives? Is there any way to contribute to the development of such a method?
> Thank you and all the best
> Florian
> References
> [1]: https://w3c.github.io/payment-method-credit-transfer/
> [2]: https://w3c.github.io/payment-method-credit-transfer/#payee-initiated
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Ian Jacobs <ij@w3.org>
Tel: +1 718 260 9447
Received on Wednesday, 2 May 2018 14:08:03 UTC

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