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

  • Type of payments
    • 3 Working Day BankTransfer
    • Amount Same DayFaster 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.