Every Christmas day, till you cancel it: &date=2020-12-25 &recur_frequency=year
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As an aside: I wonder if more people would understand “repeat” instead of “recur” recur_frequency → repeat_frequency recur_day → repeat_day recur_interval → repeat_interval recur_count → repeat_count recur_until → repeat_until
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This is more light-weight than the PSD2 Payment Initiation API, yet preserves the push payment setup and bank authentication
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The downside for the initiator is the lack of transaction status confirmation, so that will have to be done out of band. Which is the same for the EPC QR code
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No reason why the United States couldn’t do this too, as long as they introduce alias/proxy support (think Zelle): pay.federalreserve.gov/v1/ ?type=now &receiver_name=John+Smit &receiver_identifier=541-754-3010 [phone] ¤cy=USD &amount=5.00
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A risk is that people might just click on a random link, get redirected to their bank, and don’t realize they are asked to transfer money. Though request services like Venmo, PayPal, and Tikkie seem to show this is manageable.
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Thoughts? What am I missing?
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Replying to @thijsniks
I think the transaction status is the toughest for quickly confirming the order. I like the type, if it also exposes the account number of the client, why not use it for confirming sdd as well? Allows for proper managing mandates in bank env as well.
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Replying to @japborst
The original link could include a transaction_identifier generated by the initiator (RFC 4122 UUID?) and returned to the callback url alongside a status code? How would the direct debit confirmation work?
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Replying to @thijsniks @japborst
Not sure how you would secure the transaction confirmation though. Sign the request with the same certificate as the bank domain name and the EBA would already maintain a registry of bank domain names you can check against?
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The best confirmation is actually receiving the funds and processing the remittance reference, and using that as the out of band verification. Instant transfers should take less than 10 seconds and most of them are under 5, which might be an acceptable wait time
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