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Payment Flow

The diagram below depicts an overview of the flow, taking place during the creation and authorisation of a payment, including who plays what role. BEC's responsibility is limited to the actions happening between the TPP and ASPSP. All parts of the flow except the SCA, which has been depicted below.


SCA Flow

In relation to payments, the SCA process is confined to the NemId process and is implemented as both 1 and 2-factor authentication, depending on the bank in question, upon completion of the SCA process, the PSU will be redirected to the TPP-Redirect-URI if an error occurred, however, the user will be redirected to the TPP-Nok-Redirect-URI.


1-Factor Flow


2-Factor Flow