ianbjacobs edited this page Mar 14, 2016 · 15 revisions

A task force of the Web Payments Working Group has taken on the action of documenting the real-life payment flows for different methods of payment. Questions? Contact @mattsaxon.


  • Verify whether and how the proposals support flows in use in real life
  • Identify any enhancements to the proposed flows or API to meet real life needs


  • Identify a set of payments flow types that should be modelled - Complete
  • Document the real-life flows currently in use in the wild - Complete
  • Map these flows to proposed future flows for the WG specification proposals - In Progress
  • Align these flows to ISO 20022 flows
  • Identity key pieces of data that must be passed to achieve a robust payment transaction (including support for subsequent settlement/disputes etc.)
  • Evaluate the resultant flows and provide recommendation/feedback to the WG
  • Initiate process to submit target flows and messages to ISO 20022


15:00 UTC for 1 hour every 2 weeks. Contact mailing list for invite.

Mailing List


The Archive is here https://lists.w3.org/Archives/Public/public-webpayments-flows/

Where you can set-up a subscription

Flows to be analysed

Note: Our "prioritized" flows are those that were submitted by Working Group participants by 7 January 2016.

Flow Name Author(s) Reviewed By Target Flows Modelled
Legacy Card Matt Saxon Manu Sporny 'Form-Filler' Payment App
Card with 3DS Matt Saxon Ian Jacobs Complex Card Payment App
JIT Tokenised Card Matt Saxon Manu Sporny Complex Card Payment App
SEPA Credit Transfer Cyril Vignet & Matt Saxon Manu Sporny 'Prompt' Credit Transfer Payment App
SEPA Credit Transfer via Merchant PISP Fred Meignien Matt Saxon
SEPA Credit Transfer via Shopper PISP Fred Meignien
Masterpass Laurent Castillo
Realtime Payment Vincent Kuntz
PSP Hosted Payment Matt Saxon Vincent Kuntz
Bank Supplied Wallet Laurent Castillo Vincent Kuntz
[SEPA Direct Debit] (http://www.plantuml.com/plantuml/proxy?fmt=svg&src=https://raw.githubusercontent.com/w3c/webpayments-flows/gh-pages/PaymentFlows/DirectDebit/SDD-One-Off-e-Mandate.pml) Fred Meignien Vincent Kuntz
Bitcoin Basic Adrian Hope-Bailie Vincent Kuntz
Bitcoin Payment Protocol Adrian Hope-Bailie Vincent Kuntz
[PayPal Standard] (http://www.plantuml.com/plantuml/proxy?fmt=svg&src=https://raw.githubusercontent.com/w3c/webpayments-flows/gh-pages/PaymentFlows/PayPal/PayPal-Current.pml) Matt Saxon
PayPal Intermediated Matt Saxon Dave Longley & Vincent Kuntz
AliPay Zephyr
Apple Pay Native Matt Saxon Laurent Castillo
SamsungPay Init mountie
SamsungPay Use mountie
Escrow Payment - Customer Protection case mountie
Cross Border Credit Transfer Vincent Kuntz
General Redirect Matt Saxon
Interledger Protocol Adrian Hope-Bailie

##Working Glossary

W3C Web Payments Term Common Terms ISO 20022 definition
Payee Merchant Acceptor, Creditor
Payee PSP Gateway Acquirer, Intermediary
Payer Shopper, Consumer, User Cardholder, Debtor
Payer PSP Wallet Issuer, Intermediary
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