Trusted beneficiary

    Document purpose

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

    About the Trusted beneficiary end-user journey

    A customer can make a payee ‘trusted’ - meaning subsequent payments to that payee do not require SCA.

    Note: The act of making a payee trusted itself requires SCA and the payee must have been paid at least once before.

    The Trusted beneficiary workflow

    The Trusted beneficiary end-user journey

    Step 1 – Customer logs in

    The customer opens the app and logs in using 2FA SCA.

    Step 2 – Select Payments

    The customer selects the Payments options at the bottom of the screen and then selects Bank Payment.

    Step 3 – List of payees displayed

    A list of previous payees is displayed.

    Step 4 – Select the beneficiary

    The customer selects a beneficiary from the list by pressing and holding the selected beneficiary until the radio button is displayed.

    There are two options here:

    • Add trusted beneficiary
    • Remove trusted beneficiary

    Note: A displayed shield will indicate if the customer’s beneficiary is trusted or not trusted.

    Step 5 – Submit the request

    The customer selects the Submit button.

    Step 6 – SCA required

    The customer is required to perform SCA to verify the action.

    There are two potential SCA outcomes:

    • Success – continue to Step 9 – Success – updated Payments screen displayed.
    • Fail – continue to Step 7 – Other authentication/Account blocked/Retry SCA factor.

    Step 7 – Other authentication/Account blocked/Retry SCA factor

    • Success – continue to Step 9 – Success – updated Payments screen displayed.
    • Other authentication – The customer is presented with alternative SCA action to complete the transaction – continue to Step 9 – Success – updated Payments screen displayed.
    • Fail (maximum attempts exceeded will result in an Account Access blocked) – continue to Step 8 – Account Access blocked.

    Step 8 – Account Access blocked

    After exceeding the maximum number of SCA attempts, the customer is directed to the Account Access Blocked error screen - instructing them to ring customer services. See Login end-user journey.

    Step 9 – Success – updated Payments screen displayed

    The SCA has been successfully applied and the customer has completed the Trusted Beneficiary change – returning them to Bank Payment screen.