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.