Make a payment

    Document purpose

    This document is intended to provide a non-technical audience with an understanding of the Make a Payment end-user journey. Note: For illustrative purposes the Canvas app has been used to demonstrate the end user-functionality of the SDK.

    About the Payments end-user journey

    Payments made from a customer account require SCA (exemptions may apply).

    The Payments workflow

    The Payments end-user journey

    Step 1 – SCA applied at login

    The customer has already registered and performs a login using 2FA SCA.

    Step 2 - Transactions screen

    After successfully logging in, the customer is directed to the Transactions screen.

    In the Transactions screen, select the Payments option.

    Step 3 - Select bank payment type

    In the Payments screen, select Bank payment to make an external transfer. For this guide, we will select UK Account as it is the most common use case.

    The three available options are:

    • Canvas Account
    • UK Account
    • International

    Step 4 – Bank payment screen

    In the Bank payment screen, select the + icon to add the new payment details. Note: This process remains the same even if the customer has already saved the payee’s details.

    Before the next step, a Fraud Alert pop-up will appear. Click OK to access the next screen to add the payee and payment details.

    Step 5 – Add payment details

    Next, add the mandatory Payee details and Payment details.

    Payee details

    • Payee name
    • Account number

    Payment details

    • Amount
    • Type of payments
      • 3 Working Day Bank Transfer
      • Same Day Faster Payment

    Step 6 – Confirm payment

    Select Confirm Payment. Available options before the payment is confirmed include:

    • Type of payment – Same Day Faster Payment or Next Day Faster Payment
    • Reference – an optional description of the transaction
    • Send the recipient a receipt? – Optional addition of the recipient’s email address

    Step 7 – Confirm payment (exemptions)

    When Confirm Payment is selected, one of the four following exemptions determine the next steps of the journey.

    • Trusted beneficiary – continue to Step 8 – SCA not required.
    • Not trusted beneficiary – continue to Step 9 – SCA required (SDK).
    • Low value transaction – continue to Step 8 – SCA not required.
    • Low value transaction threshold – continue to Step 9 – SCA required (SDK).

    Step 8 – SCA not required

    If the payment meets one of the following conditions, the SCA will not be applied.

    • Trusted beneficiary
    • Low value transaction

    Continue to Step 15 – Payment has been sent.

    Step 9 – SCA required (SDK)

    If the payment meets one of the following conditions, SCA will be required and the SDK will be applied:

    • Not a trusted beneficiary
    • Low value transaction – threshold exceeded

    Step 10 – Cancel/Authorise/Not recognised

    Depending on the outcome of the SCA, one of the following paths will be taken:

    • Cancel (by the customer to return to edit the payment details) – return to Step 5 – Add payment details.
    • Authorise/Recognised – continue to Step 15 – Payment has been sent.
    • Not recognised – continue to Step 11 – Try again/Fail/Cancel.

    Step 11 – Try again/Fail/Cancel

    There are three potential outcomes from this point:

    • Try again – return to Step 9 – SCA factor required.
    • Fail – continue to Step 12 – Alternative SCA factor/Fail – Account blocked.
    • Cancel – return to Step 5 – Add payment details.

    Step 12 – Alternative SCA factor/Fail – Account blocked

    There are two potential outcomes from this point:

    • Alternative SCA factor – continue to Step 14 – Alternative SCA factor.
    • Error screen – continue to Step 13 – Error screen displayed – Account blocked.

    Step 13 – Error screen displayed – Account blocked

    An Error screen is displayed after a maximum number of failed attempts is exceeded and a message is displayed instructing the customer to contact customer services.

    Step 14 – Alternative SCA factor

    The customer can choose an alternative SCA action to complete transaction – continue to Step 15 – Payment has been sent.

    Step 15–Payment has been sent

    The Success! pop-up will appear with a ‘Payment has been sent’ message.